PRIVACY POLICY

THIS PRIVACY POLICY IS AN ELECTRONIC RECORD IN THE FORM OF AN ELECTRONIC CONTRACT FORMED UNDER THE INFORMATION TECHNOLOGY ACT, 2000 AND THE RULES MADE THEREUNDER AND THE AMENDED PROVISIONS PERTAINING TO ELECTRONIC DOCUMENTS/RECORDS IN VARIOUS STATUTES AS AMENDED BY THE INFORMATION TECHNOLOGY ACT, 2000. THIS PRIVACY POLICY DOES NOT REQUIRE ANY PHYSICAL, ELECTRONIC OR DIGITAL SIGNATURE. THIS PRIVACY POLICY IS A LEGALLY BINDING DOCUMENT BETWEEN YOU AND ADJ UTILITY APPS PRIVATE LIMITED. THE TERMS OF THIS PRIVACY POLICY WILL BE EFFECTIVE UPON YOUR ACCEPTANCE OF THE SAME (DIRECTLY OR INDIRECTLY IN ELECTRONIC FORM, BY CLICKING ON THE "I ACCEPT" TAB OR BY USE OF THE WEBSITE OR BY OTHER MEANS AND WILL GOVERN THE RELATIONSHIP BETWEEN YOU AND ADJ UTILITY APPS PRIVATE LIMITED FOR YOUR USE OF THE WEBSITE (DEFINED BELOW). THIS DOCUMENT IS PUBLISHED AND SHALL BE CONSTRUED IN ACCORDANCE WITH THE PROVISIONS OF THE INFORMATION TECHNOLOGY (REASONABLE SECURITY PRACTICES AND PROCEDURES AND SENSITIVE PERSONAL DATA OF INFORMATION) RULES, 2011 UNDER INFORMATION TECHNOLOGY ACT, 2000; THAT REQUIRE PUBLISHING OF THE PRIVACY POLICY FOR COLLECTION, USE, STORAGE AND TRANSFER OF SENSITIVE PERSONAL DATA OR INFORMATION. PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY USING THE WEBSITE, YOU INDICATE THAT YOU UNDERSTAND, AGREE AND CONSENT TO THIS PRIVACY POLICY. THIS POLICY IS GLOBAL IN NATURE AND GOVERNS OUR DATA PROTECTION PRACTICES WHETHER WE COLLECT YOUR PERSONAL INFORMATION THROUGH OUR WEBSITES, APPLICATION SOFTWARE, OR ANY OTHER MEANS. WHEN WE COLLECT INFORMATION ABOUT YOU OTHER THAN THE AFOREMENTIONED MEANS, WE WILL FIRST OBTAIN YOUR PERMISSION TO DO SO, IF AND AS REQUIRED BY THE APPLICABLE LAW. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT USE THIS WEBSITE. YOU HEREBY PROVIDE YOUR UNCONDITIONAL CONSENT OR AGREEMENT TO ADJ UTILITY APPS PRIVATE LIMITED AS PROVIDED UNDER SECTION 43A AND SECTION 72A OF INFORMATION TECHNOLOGY ACT, 2000.

ADJ Utility Apps Private Limited (“CashBook”, “we”, “us”, “our”) is concerned with the privacy of its users (hereinafter referred to as “You”, “Your”, “Yourself”) that frequent its website www. www.cash-book.in (“Website”). CashBook recognizes the importance of privacy as well as the importance of maintaining the confidentiality of your information. This Privacy Policy

applies to all products and services provided by us and is drafted to explain to You how CashBook collects, uses and discloses your information to relevant entities that are vital to the functioning of this Website.

BY USING THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS OF THIS POLICY. IF YOU DO NOT AGREE WITH THE TERMS AND CONDITIONS OF THIS POLICY, PLEASE DO NOT PROCEED FURTHER TO USE THIS WEBSITE.

CashBook respects Your privacy and has provided this Privacy Policy to familiarise You with:

• The type of data or information that You share with or provide to CashBook and that CashBook collects from You;
• The purpose for collection of such data or information from You;
• CashBook’s information security practices and policies;
• CashBook 's policy on sharing or transferring Your data or information with third parties.

We take measures to protect the security of the information provided by You. You can contact Us about Our privacy practices. Our privacy practices may vary among the countries in which We operate to reflect local practices and legal requirements. This Privacy Policy describes CashBook’s current data protection policies and practices and may be amended/updated from time to time. Upon amending/updating the Privacy Policy, We will accordingly amend the date above and post the revised version behind the link marked “Privacy Policy” in the footer of each page of CashBook’s websites. We suggest that You regularly check this Privacy Policy to apprise Yourself of any updates. Your continued use of Website or provision of data or information thereafter will imply Your unconditional acceptance of such updates to this Privacy Policy.

COLLECTION OF INFORMATION

• Your privacy is important to us and we have taken steps to ensure that we do not collect more information from you than is necessary for us to provide you with our services and to protect your account
• Information including, but not limited to, user name, address, phone number, fax number and email address ("Registration Information") may be collected at the time of user registration on the website.
• In connection with any transaction and payment services or services under our buyer protection schemes, we provide on the Website, information, including but not limited to, bank account numbers, billing and delivery information, credit/debit card numbers and expiration dates and tracking information from cheques or money orders ("Account Information") may be collected to, among other things, facilitate the sale and purchase as well as the settlement of purchase price of the products or services transacted on or procured through the website.
• We record and retain details of users’ activities on the website. Information relating to

such transactions including, but not limited to, the types and specifications of the goods, pricing and delivery information and any trade dispute records (“Activities Information”) may be collected when the sale and purchase transactions are conducted on or facilitated through the website.

• We record and retain records of users' buying and browsing activities on our platform including but not limited to IP addresses, browsing patterns and buyer behavioural patterns. In addition, we gather statistical information about the website and visitors to the website including, but not limited to, IP addresses, browser software, operating system, software and hardware attributes, pages viewed, a number of sessions and unique visitors (together "Browsing Information").
• Registration Information, Account Information, Activities Information and Browsing Information generally relate to business entities and are together referred to as business (“Business Data”). Insofar and only insofar as they constitute personally identifiable data of living individuals, such information is together referred to as personal data (“Personal Data”).
• We do not store any messages, photos, videos or documents from your chats/emails through our servers.

REPRESENTATION

• You hereby represent to CashBook that the Information You provide to CashBook from time to time is and shall be authentic, correct, current and updated and You have all the rights, permissions and consents as may be required to provide such Information to CashBook.
• You’re providing the Information to CashBook and CashBook’s consequent storage, collection, usage, transfer, access or processing of the same shall not be in violation of any third party agreement, laws, charter documents, judgments, orders and decrees.

USE OF TECHNOLOGY

CashBook collects, uses, stores and processes Your Information for any purpose as may be permissible under applicable laws (including where the applicable law provides for such collection, usage, storage or processes in accordance with the consent of the user) including the following (“Purposes”):

• to facilitate Your use of the Website;
• to respond to Your inquiries or fulfil Your requests for information about the various products and services offered on the Website;
• to provide You with information about products and services available on the Website

and to send You information, materials, and offers from CashBook;

• to send You important information regarding the Website, changes in terms and conditions, user agreements, and policies and/or other administrative information;
• to send You surveys and marketing communications that CashBook believes may be of interest to You;
• to personalize Your experience on the Website by presenting advertisements, products and offers tailored to Your preferences;
• to help You address Your problems incurred on the Website including addressing any technical problems;
• if You purchase any product or avail of any service from the Website, to complete and fulfil Your purchase, for example, to have Your payments processed, communicate with You regarding Your purchase and provide You with related customer service;
• for proper administering of the Website;
• to conduct internal reviews and data analysis for the Website (e.g., to determine the number of visitors to specific pages within the Website);
• to improve the services, content and advertising on the Website;
• to facilitate various programs and initiatives launched by CashBook or third party service providers and business associates;
• to analyse how our services are used, to measure the effectiveness of advertisements, to facilitating payments;
• to protect the integrity of the Website;
• to respond to legal, judicial, quasi-judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law;
• to conduct analytical studies on various aspects including user behaviour, user preferences etc.;
• to permit third parties who may need to contact users who have bought products from the Website to facilitate service and any other product-related support;
• to implement information security practices;
• to determine any security breaches, computer contaminant or computer virus;
• to investigate, prevent, or take action regarding illegal activities and suspected fraud;
• to undertake forensics of the concerned computer resource as a part of an investigation or internal audit;
• to trace computer resources or any person who may have contravened, or is

suspected of having or being likely to contravene, any provision of law including the Information Technology Act, 2000 that is likely to have an adverse impact on the services provided on any Website or by CashBook.

You hereby agree and acknowledge that the Information so collected is for a lawful purpose connected with a function or activity of CashBook or any person on our behalf, and the collection of information is necessary for the Purposes.

DISCLOSURE OF PERSONAL DATA

• You further agree that we may disclose and transfer your Personal Data to service providers engaged by us to assist us with providing you with our services (including but not limited to data entry, database management, promotions, products and services alerts, delivery services, payment extension services, and membership authentication and verification services) ("Service Providers"). These Service Providers are under a duty of confidentiality to us and are only permitted to use your Personal Data in connection with the purposes specified above, and not for their own purposes (including direct marketing).
• When necessary we may also disclose and transfer your Personal Data to our professional advisers, law enforcement agencies, insurers, government and regulatory and other organizations for the purposes specified at B.9 above.
• Any Personal Data supplied by you will be retained by us and will be accessible by

our employees, any Service Providers engaged by us and third parties referred to above, for or in relation to any of the Purposes.

• All Voluntary Information may be made publicly available on the website and therefore accessible by any internet user. Any Voluntary Information that you disclose to us becomes public information and you relinquish any proprietary rights (including but not limited to the rights of confidentiality and copyright) in such information. You should exercise caution when deciding to include personal or proprietary information in the Voluntary Information that you submit to us.
• We may share your Account Information with banks or vendors to enable your transactions on the website to be completed. In addition, we may use your Account Information to determine your creditworthiness and, in the process of such determination, we may need to make such Account Information available to banks or credit agencies. While we have in place up-to-date technology and internal procedures to keep your Account Information and other Personal Data secure from intruders, there is no guarantee that such technology or procedures can eliminate all of the risks of theft, loss or misuse.
• We may provide statistical information to third parties, but when we do so, we do not provide personally-identifying information without your permission.

COOKIES

We use "cookies" to store specific information about you and track your visits to the website. It is not uncommon for websites to use cookies to enhance identification of their users.A "cookie" is a small amount of data that is sent to your browser and stored on your computer's hard drive. A cookie can be sent to your computer's hard drive only if you access the website using a computer. If you do not deactivate or erase the cookie, each time you use the same computer to access the website, our web servers will be notified of your visit to the website and in turn we may have knowledge of your visit and the pattern of your usage. Generally, we use cookies to identify you and enable us to i) access your Registration Information or Account Information so you do not have to re-enter it; ii) gather statistical information about usage by users; iii) research visiting patterns and help target advertisements based on user interests; iv) assist our partners to track user visits to the website and process orders; and v) track progress and participation in promotions. You can determine if and how a cookie will be accepted by configuring the browser which is installed in the computer you are using to access the website. If you choose, you can change those configurations. By setting your preferences in the browser, you can accept all cookies or you can choose to be notified when a cookie is sent or you can choose to reject all cookies. If you reject all cookies by choosing the cookie-disabling function in your browser, you may be required to re-enter information on the website more often and certain features of the website may be unavailable.

MINORS

The website and their contents are not targeted to minors (those under the age of 18) and we do not intend to sell any of our products or services to minors. However, we have no way of distinguishing the age of individuals who access our Site. If a minor has provided us with personal information without parental or guardian consent, the parent or guardian should contact our Legal Department at the address set out in paragraph D above to remove the information.

PASSWORD SECURITY

We employ commercially reasonable security methods to prevent unauthorized access to the website, to maintain data accuracy and to ensure the correct use of the information we hold. For registered users of the website, your Registration Information and Account Information (if any) can be viewed and edited through your account, which is protected by a password. We recommend that you do not divulge your password to anyone. Our personnel will never ask you for your password in an unsolicited phone call or in an unsolicited email. If you share a computer with others, you should not choose to save your login information (e.g., user ID and password) on that shared computer. Remember to sign out of your account and close your browser window when you have finished your session. No data transmission over the internet or any wireless network can be guaranteed to be perfectly secure. As a result, while we try to protect the information we hold for you, we cannot guarantee the security of any information you transmit to us and you do so at your own risk.

CHANGES TO THIS PRIVACY POLICY

Any changes to this Privacy Policy will be communicated by us posting an amended and restated Privacy Policy on the website. Once posted on the website the new Privacy Policy will be effective immediately. You agree that any information we hold about you (as described in this Privacy Policy and whether or not collected prior to or after the new Privacy Policy became effective) will be governed by the latest version of the Privacy Policy. Please visit the policy periodically to be updated.

USER DISCRETION AND OPT-OUT

You agree and acknowledge that You are providing Your Information out of Your free will. Subject to certain exceptions prescribed by law and provided CashBook can authenticate Your identity, You can contact CashBook at support@khatabook.com or send mail to khatabook HQ, 1203, 22nd cross, HSR Layout, Sector 3, Bangalore, Karnataka India.

• Access, verify, correct, update, amend, restrict, object to, or later on withdraw Your consent delete any personal information CashBook has about You.
• Review the information CashBook retains, how it has been used, to whom CashBook has disclosed such information to.
• Opt to transfer Your personal data.
• Change preferences regarding how Your personal information is disclosed.
• Notify CashBook if You do not want Your data to be processed anymore.
• Notify CashBook if You do not wish to receive further communication from CashBook.

We will respond to such requests in a reasonable time within the time limits established by the applicable law. In accordance with the applicable laws, we reserve the right to charge you a reasonable fee for the processing of any data access or correction request.

In the event that You opt-out, You should neither visit the Website nor use the services provided by CashBook nor shall You contact CashBook. Further, CashBook may not deliver products to You, upon Your order, or CashBook may deny You access from using certain services offered on the Website.

GRIEVANCE OFFICER

If You find any discrepancies or have any grievances in relation to the collection, storage, use, disclosure and transfer of Your Personal Information under this Privacy Policy or any terms of CashBook 's Terms of Use and other terms and conditions of CashBook, please contact the designated grievance officer under Information Technology Act, 2000 using the details below:

E-mail: Jayanth@khatabook.com

Postal address: ADJ Utility Apps Pvt. Ltd. 1203, 22nd cross, Sector 3, HSR Layout, Bangalore, Karnataka, India

Telephone number: (+91) 7204279040

The details of the grievance officer may be changed by Us from time to time by updating this Privacy Policy.