End User Privacy Policy

Privacy and security are very important to us at Bar Cash Inc. (“Company” or “We”). We respect your privacy and are committed to protecting it through our compliance with this policy. This End User Privacy Policy (“Policy”) is meant to help the End User (the “You”) understand how we collect, use, and share your data to power the application (the “App”) you use. This policy describes:

• The types of information we may collect or that you may provide when you download, install, register, access, or use Bar Cash (the “App”).
• Our practices for collecting, using, maintaining, protecting, and disclosing the information.

This Policy applies only to information we collect in this App and/or in email, text, and other electronic transmission sent through or in connection with this App and any other third-party software integrated with the App.

This policy DOES NOT apply to information that:

• We collect offline or on any other Company apps or websites, including websites you may access through this App.
• You provide to or is collected by any third party.

Our websites, apps, and other third parties may have their own privacy policies, which we encourage you to read before providing information on or through them.

Please read this Policy carefully to understand our practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with, or use this App. By downloading, registering with, or using this App, you explicitly agree to this privacy policy and opt-in to all settings. You also acknowledge that we may change our policy from time to time. Your continued use of the App after we revise the policy means that you accept those changes. Please check the policy periodically for updates.

Children Under the Age of 18

This App is not intended for children under the age of 18 years of age. We do not knowingly collect personally identifiable information from children under 18. If we learn we have collected or received personally identifiable information from a child under 18 without verification of parental consent, we will delete that information.

If you believe that we might have any information from or about any child under 18, please contact us at customercare@bar-cash.com.

Data We Collect and Categories of Sources

As explained in greater detail below, the data we collect, use, and share depends on and may vary based on your usage of the App. We may collect the following:

• Data you provide to us;
• Data from using the App;
• Data from third parties;
• Data from the electronic devices you use to connect;
• Data from other sources, including service providers and identity verification services.

Data You Provide to Us

When you download, register with, or use this App, we may collect personally identifiable information (“personal information”), such as:

• Identifiers, such as real name, postal address, phone number, date of birth, email address, signature.
• Government-Issued Identifiers, such as your social security number, driver’s license, state identification card, or passport number.
• Login Identifiers, such as usernames, passwords, and security tokens.

By providing Us this data, you also give the Company permission and authority to act on your behalf to access and transmit data to and from the relevant parties or third parties that hold your financial account.

Data from Using the App

When you download, register with, or use this App, it may use technology to automatically collect:

• Usage details, such as location data, logs, and other communication data that you access on use on or through the App.
• Geolocation data, time zone setting and location, including data that helps Us to determine your location.
• Cookies (or mobile cookies). A cookie is a small file placed on your smartphone. It may be possible to refuse to accept mobile cookies by activating the appropriate setting on your smartphone. Cookies allow the Company to collect information about site usage so that we may draw inferences to other listed categories of information that we collect.
• Stored Information and Files. The App may also access metadata and other information associated with other files stored on your device. This may include audio and video clips, personal contacts, and address book information.
• Inferences. We may draw inference upon personal information reflecting your trends, predispositions, attitudes, intelligence, abilities, and aptitudes.

Data from Third Parties

Depending on your usage of the App, we may collect the following data from third parties when you connect your financial accounts with or through the App. By linking your third-party accounts, you authorize the Company to collect and have access to this information. Third-party data includes:

• Account Data. Account data includes financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, debit card number.
• Account Balance. Account balance data includes current and available balance.
• Commercial Information. Commercial Information includes transaction history and details.

Data from your Devices

When you use a device, like your smartphone, tablet, or computer, we may receive data about that device, including:

• IP address
• Mobile Device Manufacturer
• Mobile Service Provider
• Operating System
• Browser and technical data about the device

Data from Other Sources

When needed to provide a service or to prevent fraud, abuse, or security threats, we may also receive data about you directly from third parties, including our service providers or identify verification services.

How We Use Your Data

We use your data for the following business and commercial purposes:

• Provide Services. To operate, provide, and maintain our services.
• Develop Existing Services. To improve, enhance, modify, add to, and further develop our services.
• Help Prevent Fraud or Protect Privacy. To help protect your and other third parties from fraud, malicious activity, and other privacy and data security-related concerns.
• Develop New Services. To develop new products and services.
• Develop Insights. To develop insights based on the data we’ve collected about you. This includes your transaction data and data from other sources provide a better experience for you.
• Provide Support. To provide support to you, including to help respond to your inquiries related to our services.
• Investigate Misuse and Misconduct. To investigate any misuse of our service, criminal activity, or other unauthorized access to our services.
• For Legal Purposes. To comply with contractual and legal obligations under applicable law and for other legal purposes such as to establish and defend against claims.
• With Your Consent. For other notified purposes with your consent or at your direction.

We may also use your information to contact you about our own and third parties’ goods and services that may interest you. If you do not want us to use your information in this way, please opt out by going to [Settings > Privacy Information].

How We May Disclose Your Information

We may share your personal information by disclosing it to a third party for business purposes. We only make these business purpose disclosures under written contracts that describe the purposes, requires the recipient to keep personal information confidential, and prohibits using the disclosed information for any purpose except performing the contract.

We do not “sell” or “share” your personal information. In the preceding twelve (12) months, and on an on-going basis, the Company will disclose personal information such as cookies, commercial information, geolocation data, and internet or similar network activities to gather information about Our user base. We may receive such information on an individual or aggregate basis. We may share or disclose your personal information to partners, affiliates, subsidiaries, internet service providers, data analytic providers, social networks, government entities, advertising networks.

The Company will not discriminate against you for exercising any rights you may have under the California Consumer Privacy Act (“CCPA”) or any other applicable law or rule.

Your Rights to Your Personal Information

If you are a resident of a state that has adopted privacy regulations, including the CCPA, you may have additional rights to your personal information. This includes:

• Right to Know. You may have a right to know what personal information we collected about you, including the categories of personal information, the categories of sources from which it is collected, the business or commercial purposes for collecting, selling, or sharing it, and the categories of third parties to who we disclose it.
• Right to Access and Data Portability. You may have the right to request a copy of the personal information we collected about you during the 12 months before your request.
• Right to Deletion. You may have the request that we delete information collected from you and retrained.
• Right to Out of Selling or Sharing. You may have the right to opt-out of having your personal information sold or shared. To Opt-Out, go to settings and select the Opt-Out Option.

To request the deletion or copy of your personal information, you may contact us at:

E-mail: customercare@bar-cash.com

We will confirm receipt of your request within 10 business days.

We will endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time, we will inform you of the reason and extension period in writing.

Any disclosures we provide will only cover the 12-month period preceding receipt of your request.

How We Protect Your Data

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Any payment transactions will be encrypted using third-party platforms.

The safety and security of your information also depends on you. Where We have given you a password for access to the App, you are responsible for keeping this password confidential. We urge you to be careful about giving out information in public areas of the App.

Please note that no data transmission over the internet or method of electronic storage can be guaranteed to be 100% secured. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures we provide.

How Long We Retain Your Personal Information

We retain your personal information for so long as we are providing services to you or for a period during which we reasonably anticipate providing services. Even after we stop providing services to you, we may retain some personal information to comply with legal and regulatory obligations. We may also retain personal information for fraud monitoring, detection, and prevention activities.

Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make changes to how we treat your personal information, we will post the new privacy policy on this page with a notice that the privacy policy has been updated.

Sincerely,

Bar Cash Inc. Management Team.