Privacy of Personal Data

3.1 Cash Plus collects and uses your personal data in accordance with various legal and regulatory obligations, but not limited to:

   3.1.1 Compliance with laws and regulations applicable to Non-Bank Financial Institutions, including:

1. a) Establishing security measures to prevent abuse, fraud, or other prohibited activities;
2. b) Detecting transactions deviating from normal patterns;
3. c) Recording, when necessary, phone calls, chats, emails during communication with you, etc.;
4. d) Preventing money laundering and terrorist financing;
5. e) Responding to an official request from a public authority, court, or other competent body;
6. f) Defining the credit risk assessment and your debt repayment capacity;
7. g) Identifying you for security purposes;
8. h) Enforcing laws and sub-laws in force.

   3.1.2 Execution of a contract with you or taking steps at your request before entering into a contract, these personal data are used to:

1. a) Provide information about our products and services;
2. b) Assist and respond to your requests/complaints and to establish communication with you;
3. c) Assess whether we can offer you a product or service and under what conditions;
4. d) Provide products or services to our clients (in the context of managing ready cash);
5. e) Manage and execute any payment (including loan repayment) related to the services and products requested by you.

   3.1.3 Fulfillment of our legitimate interest, Cash Plus uses your personal data to distribute and develop our products or services, improve risk management, and protect our legal rights, including:

1. a) Transaction evidence;
2. b) Fraud prevention;
3. c) Training our staff;
4. d) IT management, including infrastructure management (e.g., shared platforms);
5. e) Business continuity and IT security;
6. f) Creating statistics, tests, and models collected for research and development purposes, aiming to improve risk management or improve existing products and services or create new ones.

   3.1.4 Personalization of our offer through:

1. a) Improving the quality of our financial products or services;
2. b) Advertising products or services that match your status and profile, including:
3. a) Segmenting our current and potential clients;
4. b) Administering a competition, promotional lottery, gift, competition, or other similar marketing and event management campaign;
5. c) Communication about our products, services, offers, news; Customer service, including responding to your questions;
6. d) Improving and personalizing your experience on our websites and applications;
7. e) Maintaining the credit account, including managing any loyalty or customer reward program;
8. f) Processing and awarding the prize won through your participation in our promotional games;
9. g) Your data may be collected in anonymous statistics that may be provided to professional clients to assist them in developing their business. In this case, your personal data will never be disclosed, and those who accept these anonymous statistics will not be able to identify you.

   3.1.5 Respecting your choice if we have requested your consent for specific processing of your personal data, in certain cases, such as:

1. a) When the above purposes lead to automated decision-making, which produces legal effects or significantly affects you. At that time, Cash Plus will inform you separately about the logic involved, as well as the importance and anticipated consequences of such processing;
2. b) If Cash Plus needs to carry out further processing for purposes other than those mentioned above, Cash Plus will inform you and, where necessary, obtain your consent;

      c) For interaction on social networks for the organization of contests.