1. Definitions:

a. AntPay Mobile App: Means the AntPay Mobile Application using Android, apple or Other platform of similar nature whether current or future.

b. The Company, “We”, “Us”,“ AntPay” or “our” shall mean Antworks Financial buddy Technologies Private Limited having its office at 165, Tower B1, Spaze IT Park,Sector-49, Gurugram.

c. Referrer: Referrer shall mean any person who has registered with Antworks Financial buddy Technologies through AntPay Mobile App and / or the Site, to act as a Referrer for generating Financial Marketing Lead and for being eligible to Success Fee.

d. Service: Service shall mean any service provided by Antworks Financial buddy Technologies on www.antworksmoney.com/financial-buddyor AntPay Mobile App and shall include the registration of Referrer and generation of Financial Marketing Lead.

e. Personal Information: Personal Information with respect to a user, i.e. you, shall mean and include, your username or login details; e-mail id; contact number(s), your email address, name, phone number, postal address and other identifiable information.

f. Policy or Privacy Policy: Policy or Privacy Policy shall mean this Policy and shall include all future updates.

g. Precise Location Data: Precise Location Data shall mean the location data that describes the precise geographic location of your device.

h. Site: Site means www.antworksmoney.com/financial-buddyor AntPay Mobile App which is owned and managed by the Company.

i. You/Your: You/Your shall mean a natural or legal person who is at least 18 years of age and could legally enter into a contract in India and could act as a Referrer for the Facility provided on www.antworksmoney.com/financial-buddyin accordance with the terms and conditions recorded hereinafter.

2. Privacy Policy Overview

i. This Policy explains how your confidential data/ personal information might be collected, used, processed or disclosed by the Site or the AntPay Mobile App and how you can control the use and disclosure of your information, and how your information is protected. This Policy is subject to amendment from time to time, and it shall be your responsibility to read understand and accept the amended Policy for your continued use of the Site or the AntPay Mobile App.

ii. Antworks Financial Buddy Technologiesalong with its affiliates (referred to as “AntPay Mobile App”, “us”, “our” or “we”), provides certain services through its platform through the Site or the AntPay Mobile App. For a complete list of Services please refer to “Our Services” section in www.antworksmoney.com/financial-buddy or AntPay Mobile App.

3. Information Collection

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to the following: Personal Information, Demographic information: gender (optional); age/date of birth; nationality; Precise Location Data, Payment records; payment method; cardholder or account-holder name; payment amount; and payment date. Other information that may be requested or gathered while you visit, access or use the Site or the AntPay Mobile App.

4. Data Log

We collect information that your browser sends whenever you visit our site or use our AntPay Mobile App (“Log Data”). This shall include Browsing history, Type of device you are using, I.P address, the internet service provider, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics, The Device identification (“ID”) of your smartphone or similar handheld device. Details relating to your internet like your IP (“Internet Protocol”) address, internet service provider (“ISP”), mobile operator, WiFi connection, service set identifier (“SSID”), International Mobile Subscriber Identity (“IMSI”) and International Mobile Equipment Identity (“IMEI”). Device type, settings, software used, cookies used. Any other data as our third-party services provider might collect, monitor and analyze to increase our Service’s functionality. These third-party service providers have their own privacy policies addressing how they use such information.

5. Location information

To improve our services, we may use and store information about your location. This shall depend on the permissions you have set on your device. You can enable or disable location services when you use our Service at any time, through your device settings. However, keeping your location services on will give you better experience about the Site or AntPay Mobile App.

6. Cookies

Cookies are small text files that are created by website that is stored in the user’s computer either temporarily for a particular session or permanently on the hard disk to provide certain information to recognize the user and keep a record of the preferences by the user. We use cookies to collect information in order to improve our services for you. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept the using of cookies by us, you may not be able to use some features of our Service and we recommend that you leave them turned on.

7. Do Not Track Activation

The Site and AntPay Mobile App supports Do Not Track. Most of the common browser allows the user “Do Not Track (“DNT”). You may set your preference of DNT in your Browser if you do not want to be tracked.

8. Usage of Your Information

The Personally Identifiable Information we collect from you may be used for providing the Services to you; communicating with you; providing advertising to you on the Services and Channels; Lead generation; analyzing your need and interest; observing user engagement and booking activities across Services and Channels; conducting surveys; managing our IT systems i.e. identification and mitigation of fraudulent activity; compliance with applicable law; and improving our Services

9. Direct Marketing

We may use your Personal Information to contact you via SMS, whatsapp, email, telephone or other methods of communication to provide you with information regarding our Services that may be of interest to you. We may send information to you regarding our Services, offers; upcoming promotions that may be of interest to you, using the contact details that you have provided to us and always in compliance with applicable law.

10. Disclosure of Information to Third Parties

i. The Personal Information and other Information you share may be used by us to third parties for legitimate business purposes for providing better services to you. ii. The third parties websites have their respective Privacy Policy which you may refer to.

11. Service Providers

We might engage 3rd party individuals / entities to extend certain Service on our behalf. These 3rd parties shall have access to your Personal Information only to perform pre-identified tasks on our behalf and are not allowed or entitled to disclose or use your Personal Information for any other purpose.

12. Security of Your Information and Data and Necessary Disclaimer

We understand the importance of protecting your Personal Information. We shall take every reasonably possible step to implement and maintain commercially acceptable security systems, policies, procedures and practices appropriate to the type of the information we process, to protect your Personal Information from unauthorized access, destruction, use, modification, or disclosure. However, Internet being an open source method of transmission of data and information, it may not be possible to provide 100% security to your Personal Information and thus we do not guarantee complete protection of your Personal Information.

13. Disclosure of Your Personal Information As Per Law

There may be instances where the law enforcement agencies of India having jurisdiction over us may ask us to disclose your Personal Information and in such case we shall be disclosing such information as required by the law without any reference to you.

14. Links To Other Sites

The Site or the Financial Buddy - Mobile App may contain links to other sites that are not operated by us. If you choose to visit / access such third-party website we request you to do so after detailed review of the privacy policy of that third party. We assume no liability for any misuse of your data by that 3rd party.

15. Merger & Acquisition

In case the Site or the AntPay Mobile App or the Company is sold or transferred by way of Merger & Acquisition in accordance with law to a third party we shall transfer your Personal Information as a business asset and your Personal Information shall be subject to a different Privacy Policy.

16. Children’s Privacy

We do not collect any information of persons below the age of 18 years and parents are required to exercise reasonable control for that.

17. Third Party Information

A referrer is presumed to have made the referred person aware of the privacy policy and terms & conditions as contained herein (including the app and the website) and also obtained consent from the referred person while sharing his/ her information including personal information/ confidential data with us. All the terms and conditions, important notice, privacy policy mentioned here (including the app and the website) are also applicable for the same.

18. Changes To This Privacy Policy

This Privacy Policy is effective as 18/01/2020. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

19. Contact Us

For any questions about this Privacy Policy, please contact us at the following address feedback@antworksmoney.com