NOTICE

In order to ensure uninterrupted use of services, we collect, and disclose, information about you(user) in accordance with the IT Act, 2000 (21 of 2000) and other national and state laws which relates to the processing of personal data. We hereby provide this notice explaining our information practices, and the choices you can make about the way your information is collected and used. Please read the following carefully to understand our views and practices regarding your personal data.

• We collect your personal information in order to provide and continually improve our product and services
• Our privacy policy is subject to change at any time without notice. To make sure you are awrae of any changes, please review this policy periodically.
• All partner firms and any third party working with or for us, and who have access to personal information, will be expected to read and comply with this policy. No third party may access or process sensitive personal information held by us with having first entered into a confidentially Agreement.

GENERAL

We are committed to respecting your online privacy data. We further recognize your need for appropriate protection and management of any personally identifiable information ("Personal Information") you share with us. Information that is considered personal about you includes, but is not limited to, your name, address, email address or other contact information, your bank account / Credit / Debit Card details, your financial information, investment experience, investment objectives, your financial situation, KYC norms, etc. This privacy policy applies to data we collect from users who browse, access or view the site, for informational purposes or otherwise.

SECTION 1 - HOW DO WE COLLECT THE INFORMATION?

From you directly and through this Application, We may collect the information through the Application. When you visit. The data we collect depends on the context of your interaction with our Application.

Through business interaction, we may collect information through business interaction with you or your employees.

From other sources: We may receive information from other sources, such as Public databases, joint marketing partners, social media platforms or other third parties such as:

• Update delivery and address information from our carriers or other third parties, which we use to correct our records and deliver your next purchase or communication more easily.
• Information about your interactions with the products/ services offered by our subsidiaries.

SECTION 2 - WHAT DO WE DO WITH YOUR INFORMATION?

When you interact with us /Merino Emeraldz/ Program App for some business related activity, we collect the personal information you give us such as your name, address and email address. We primarily use this information to provide, maintain, protect and improve our current products and services to our entire customer.

When you browse our website/app, we also automatically receive your computer's internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

With your permission, we may send you emails about our program, new products and other updates including SMS on your entered mobile number when you interact with the program/personnel/program app

We use the information collected through this Application as described in this policy and we may use your information to:

• Improve our services, Site, Application and how we operate our businesses;
• Understand and enhance your experience using our Site, Application, products and services;
• Personalize our products or services and make recommendations;
• Provide and deliver products and services you request,
• Process, manage, complete, and account for transactions;
• Provide customer support and respond to your requests, comments, and inquiries,
• Create and manage the online accounts you manage on our Website, Application,
• Send you related information, including confirmations, invoices, technical notices, updates security alerts and support and administrative messages
• Communicate with you about promotions, upcoming events and news about products and services
• We may process your personal information without your knowledge or consent where required by applicable law or regulation for the purposes of verification of identity or for prevention, detection or investigation, including of cyber incidents, prosecution and punishment of offences,
• Protect investigate and deter against fraudulent, unauthorized or illegal activity.

SECTION 3 - CONSENT

How do you get my consent?

When you provide us with personal information to complete a request, schedule some activity, verify your mobile number, we imply that you consent to our collecting it and using it for that specific reason only.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at any time, by mailing us at: [email protected]

SECTION 4 - DISCLOSURE

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

SECTION 5 - THIRD-PARTY SERVICES

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain third-party service providers, such as SMS and Email processors, may have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

For these providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

In particular, remember that certain providers may be located in or have facilities that are located a different jurisdiction than either you or us. Therefore, if you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located.

When you click on links on our program site, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

SECTION 6 - DATA SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

We take reasonable steps to help protect your personal information in an effort to prevent the loss, misuse, and unauthorized access, disclosure alteration and destruction. It is your responsibility to protect your user names and passwords to help prevent anyone from accessing or abusing your accounts and services. You should not use or reuse the same passwords you use with other accounts as your password for our services.

It is important for you to protect against unauthorized access to your password and your computers, devices, and applications. Be sure to sign off when you finish using a shared computer

Information collected from you will be stored for such period as required to complete the transaction entered into with you or such period as mandated under the applicable laws.

SECTION 7 - DATA TRANSFER

Information about our user is an important part of our business and we take due care to protect the same. We share your data with your consent or to complete any transaction or provide any product or service you have requested or authorized. We also share data with our affiliates and subsidiaries, with vendors working on our behalf.

We may employ other companies and individuals to perform functions on our behalf. The functions include fulfilling orders for products and services, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, transmitting content, scoring credit risk, and providing customer service.

We release account and other personal information when we believe is appropriate to comply with the law, enforce or apply our conditions of use, and other agreements, protect the rights, property, safety of us, our users or others. This include exchanging information with other companies and organisation for fraud protection and credit risk reduction.

SECTION - 8 COOKIES

To optimize our web presence, we use cookies. These are small text files stored on your computer's main memory. These cookies are deleted after you close the browser. Other cookies remain on your computer (long-term cookies) and permit its recognition on your next visit. This allows us to improve your access to our site. This helps us to learn more about your interests, and provide you with essential features and services and for additional purposes, including

• Keeping track of items stored in your shopping basket
• Conducting research and diagnostics to improve the content, products, and services.
• Preventing fraudulent activity
• Improving security

Our cookies allow you to take advantage of some of our essential features, For instance, if you block or otherwise reject our cookies, you will not be able to add items to your shopping basket proceed to checkout, or use any products or services that require you to sign in. Approved third parties also may set cookies when you interact with Our services.

Third parties include search engines, providers of measurement and analytics services, social media networks, and advertising companies.

Third parties use cookies in the process of delivering content, including ads relevant to your interests, to measure the effectiveness of their ads, and to perform services on behalf of us.

You can prevent the storage of cookies by choosing a "disable cookies option in your browser settings, But this can limit the functionality of our services.

SECTION 9 - AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your state or province of residence, or that you are over the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

SECTION 10 - CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If our site is acquired or merged with another company, your information may be transferred to the new owners so that we may continue with our services provided to you.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information, please contact us by mail at [email protected]