This Privacy and Security Policy (“Privacy Policy”) describes how We protect information about Our
users. For the purposes of this Privacy Policy, the capitalised term: (a) used herein shall have the
meaning as described hereunder; and (b) used herein but not defined shall have the meaning so
ascribed under the Terms and Conditions.

CashFlo has adopted this Privacy Policy to inform You of what information We collect from You
through the Website, how We collect the information, how We may use it and the steps We take to
protect it. For the purposes of this Privacy Policy, any information that uniquely identifies Our users
(“User” / “You” / “Your”) such as Your name, address, contact number or email address, is referred
to as “Personal Information”. We lay great emphasis on Our privacy and security standards to guard
against identity theft and provide security for Your personal information. We regularly re-evaluate
Our privacy and security policies and adapt them as necessary to respond to new challenges.

By using the Website, You unconditionally agree to the terms and conditions of this Privacy Policy
and consent to usage, storage and handling of the information submitted by You in accordance with
the terms contained hereunder. If You do not agree with the terms and conditions of this Privacy
Policy, please do not proceed further to use the Website.

User Information
CashFlo collects Your Personal Information when You successfully submit information while filling
any form or survey on the Website, or while creating Your User account (“User Information”). User
Information is the data that can be used to uniquely identify or contact a person and/or the business
entity that a person represents and shall include, but not be limited to, information regarding Your
Personal Information, information associated to Your social networking platform and such other
information for the purposes of identification and verification.

When You submit User Information on the Website, it shall be deemed that You have granted Us the
right to collect, store, process, handle and use such User Information, in accordance with this Privacy
Policy (as amended from time to time).

You may visit and browse the Website without having to provide User Information. Where possible,
We indicate which fields are mandatory and which fields are optional to be filled on the Website.
You always have the option to not provide information by choosing not to submit particular
information or feature on the Website. When you visit the Website, We may collect certain non-
personal information such as Your internet protocol address, operating system, browser type, and
internet service provider. This type of information does not identify You personally during Your visit
to the Website. We can identify You only after You submit User Information voluntarily on the
Website.

By using this Website, You consent to the collection, storage and use of the User Information that
You provide for any of the services that We offer and You consent to Our collection of any changes
or updates that You may provide to the User Information. We collect only such User Information
that We believe to be relevant for the purpose of identification and verification and is required to
understand You or Your interests. We clarify that We shall not be liable, for any reason whatsoever,
for the authenticity of any User Information provided by You to Us. You hereby confirm that the
User Information provided by You is and shall continue to be valid, true and accurate to the best of
Your knowledge.

Collection of information
To enhance Your use of the Website, We may collect technical and navigational information each
time You visit the Website, which are saved in server logs. These are encrypted statistics, which help
Us in improving the efficiency of the Website by giving Us information relating to Your use of the
Website. Such information may include details of:
(i) the server (Internet Protocol Address) from where the Website is being accessed;
(ii) the browser and operating system used to browse the Website;
(iii) links clicked, scrolled and pages visited;
(iv) details of Your last visit to the Website, including time, date and the duration of Your session
on the Website; etc.

This information may be used by CashFlo, for example, to understand the number of users visiting
the Website, to alert You to any software compatibility issues, or it may be to gather broad
demographic information for aggregate use of the Website in improving Our functionality. While
collecting such information, Your anonymity is maintained at all times and, at no time can We
identity You personally, unless You submit the User Information on the Website or through the e-
mail feature.

CashFlo may make anonymous or aggregate personal information and disclose such data only in a
non-personally identifiable manner to: advertisers and other third parties for their marketing and
promotional purposes, such as the number of Users and how many users clicked on a particular
product, services, third party links or any other Content available on the Website. Such information
does not identify You individually. Access to Your User Information, account credentials, account
information and any other personal information You provide is strictly restricted and used in
accordance with specific internal procedures and safeguard governing access, in order to operate,
develop or improve the services provided by Us. These individuals have been selected in accordance
with our security policies and practices and are bound by confidentiality obligations. They may be
subject to discipline, including termination and criminal prosecution, if they fail to meet these
obligations.

We may also use third party vendors or service providers to help Us provide various services to You,
such as sending e-mail messages on Our behalf or hosting and operating a particular feature or
functionality of Website. Our contracts with these third parties outline the appropriate use and
handling of Your information and prohibit them from using any of Your Personal Information for
purposes unrelated to the product or service they provide. We require such third parties to maintain
the confidentiality of the information We provide to them.

You acknowledge that apart from Your User Information, if You upload or exchange any data,
content, information, pictorial representations and/or images (i.e. User Content) including
comments on the Website, such User Content may contain information including User Information
and the same may be available to the other Users of the Website. CashFlo will not be liable for the
disclosure and dissemination of such User Information on the Website.

Cookies
Like most other sites, We use data collection devices known as “cookies” to collect and store
information of Users visiting the Website. A cookie is an alpha-numeric identifier, which is small
amount of data that is sent to a User’s browser from a web server and is eventually stored on a
User’s computer hard drive. Cookies are a reliable mechanism to remember the activities of the User
on the Website and help in improving Your experience on the Website.

CashFlo may set and access cookies on Your computer to track and store preferential information
about You. We may gather information about You through cookie technology. For example, We may
assign a cookie to You, to help better determine which of CashFlo’s news stories appeals to your
interests. This anonymous information is maintained distinctly and is not linked to the User
Information You submit to Us. The option of accepting cookies is up to You, however certain
features of the Website including Content and the forms may not be accessible without accepting
cookies. Please note that most Internet browsers will allow You to stop cookies from being stored on
Your computer and to delete cookies stored on Your computer. If You choose to eliminate cookies,
the full functionality of the Website may be impaired for You.

To browse anonymously, You may set Your browser to disable cookies or delete cookies. Most
cookies are session cookies that are automatically deleted from Your hard drive when You close the
browser. Additionally, You may encounter cookies or other similar devices on certain pages of the
Website that are placed by third parties. We do not control the use of cookies by third parties and
shall not be liable for any reason whatsoever for these third-party cookies.
We may use third party service providers to help Us analyse certain online activities. For example,
these service providers may help us measure the performance of Our online campaigns or analyse
visitor activity on the Website. We may permit these service providers to use cookies and other
technologies to perform these services for CashFlo. We do not share any Personal Information with
these third party service providers, and these service providers do not collect such information on
Our behalf. Our third party service providers are required to comply fully with this Privacy Policy.

Use of User Information
User Information provided by You is used by Us only to provide information that You request. We do
not and will not sell or rent User Information to anyone, anytime for any reason. Our use of User
Information includes the following:
(i) verifying Your identity;
(ii) facilitating Your use of the Website;
(iii) responding to Your queries or complaints or to fulfil Your requests for information about the
services and solutions that We offer and the process relating to the same;
(iv) providing You with information about CashFlo and to deliver to You any administrative
notices, notifications regarding your subscription and other materials, news updates and
campaigns supported by CashFlo;
(v) fulfilling your requests for certain services and providing You with related customer service;
(vi) sending You surveys and marketing communications that CashFlo believes may be of interest
to You;
(vii) personalizing Your experience on the Website by presenting news and stories of interest to You;
(viii) help You address trouble-shooting problems, detecting and protecting against error, fraud or other criminal activity;
(ix) conducting internal reviews and data analysis for the Website (e.g., to determine the number of visitors to specific pages on the Website);
(x) sharing such information with third party contractors that provide services to CashFlo and are bound by the same privacy restrictions;
(xi) improving the Content on the Website;
(xii) protecting the integrity of the Website;
(xiii) responding to judicial process and provide information to law enforcement agencies or in relation to an investigation on matters concerning public safety, as permitted by law; and
(xiv) as otherwise set forth in the Privacy Policy.

Sharing of User Information
User Information may be shared with such third parties as are required for: (a) the purposes of
providing You with the services on the Website, and may be subject to the practices of such third
parties; or (b) facilitating subscription for CashFlo content and services on the Website by You; or (c)
to grow Our business which may include our affiliates, strategic partners, investors, suppliers and
service providers, as the case maybe. The User Information may be saved in servers, at Our sole
discretion.

Except as provided in paragraph above, We shall disclose the User Information only in circumstances
where:
(i) The User has provided instructions or consent towards such disclosure;
(ii) We, in good faith, believe that access, use, preservation or disclosure of such information is
reasonably necessary to:
(a) satisfy any applicable law, regulation, legal process or enforceable
governmental or regulatory request; (b) enforce the applicable User Agreement or Privacy
Policy; (c) detect, prevent, prohibit or otherwise address fraud, security or technical issues, (d)
enforce Our rights against You or in connection with a breach by You of this Privacy Policy; or
(e) protect against imminent harm to the rights, property or safety of CashFlo, its Users or the
public as required or permitted by law; and
(iii) If We sell or transfer any of Our business or assets, certain User Information may be a part of
that sale or transfer.

Security Precautions
To prevent any form of unlawful interception or misuse of User Information, We use reasonable
physical, electronic and managerial procedures to safeguard and secure the User Information
collected. We use reasonable secure and technologically appropriate measures, in compliance with the Information Technology Act, 2000 and the rules related thereto to protect You against loss or
misuse of Your User Information including internal reviews of data collection, storage and processing
practices and other reasonable security measures which are equivalent to security measures that
CashFlo uses to protect its own confidential information. We have in place a secure server for all
Your transactions on the Website, which, if required to be accessed, are accessible only by the
authorised personnel of CashFlo. However, as You are aware, no internet site is completely free of
security risks and We do not make any representation in respect of the same.

We do not warrant that Our Website or any electronic communication made by Us is free from virus
or other harmful effects. In the event of any errors in transmission or due to an act of a third party,
We shall have no liability. You explicitly agree that Your use of the Website and/or services provided
by Us is at Your own individual risk. You agree and confirm that Your User Information may be
transferred, processed and stored. You hereby confirm that You have been made aware of the
security measures undertaken by Us and You expressly consent to Us storing, handling, using Your
User Information.

Blogs and other Forums on the Website
If You use a bulletin board, blog or chat room on the Website, You should be aware that any
information You submit there can be read, collected or used by other users and could be used to
send You unsolicited messages. We are not responsible for Personal Information You choose to
submit in these forums. These forums may be hosted by CashFlo or by one of Our third party service
providers or featured individuals or organisations on CashFlo’s behalf.

Change in Privacy Policy
We reserve the right to update, modify and amend any of the terms of Our Privacy Policy, at any
time without prior intimation to You. We will post these changes on the Website for Your
information. These changes will become effective immediately on posting. We shall not be liable for
any failure or negligence on Your part to review the updated Privacy Policy before accessing or
availing the Website. Your continued use of the Website, following changes to the Privacy Policy, will
constitute Your acceptance of those changes.

Contacting Us
If You have any questions about (i) this Privacy Policy; (ii) practices of this Website, or (iii) Your
dealings with this Website or believe that We have not adhered to it, You may contact
info@cashflo.io.

Email Opt-Out
You can opt out of receiving our marketing and update emails. To stop receiving our promotional
emails, please email marketing@cashflo.io. It may take about 7-10 days to process your request.