Nomisma Mobile Solutions Pvt Ltd. (�ftcash�) is committed to protecting your privacy and earning your trust. This Privacy Policy discloses our privacy practices for personal information we collect when you use or access our products, services, features, or content through any website, application, or service (�ftcash Services�), even if you have not opened a ftcash account or visited our websites www.ftcash.com or our mobile application (�ftcash Sites�). We may, in our sole discretion, change this Privacy Policy from time to time by posting a revised version at www.ftcash.com/privacy. If we make any material change, we will notify you by email (as listed in your account profile) or by means of a notice on www.ftcash.com/privacy prior to the change becoming effective.

What information does ftcash collect?

If you use or access the ftcash Services, or open a ftcash account, we may collect the following personal information:

• Contact information, such as your name, address, phone, email, and other similar information.
• Mobile data, we only get access to certain transactional and promotional SMS which enable our decision engine to provide enhance added services to you.
• Financial information, such as your full bank account, credit / debit card number if you choose to use it with the ftcash Services.
• Detailed personal information, such as your date of birth or PAN Card no.
• Other personal information provided by third parties such as credit bureaus and identity verification services.
• Your photo or �avatar� if you choose to add one to your ftcash profile. Other users of the ftcash Services may be able to view your photo. You may remove your photo or change it at any time in your account settings.
• Information that you provide to ftcash when interacting with our customer support team or other team members via phone, email, online form, or other correspondence.
• Personal information stored with third parties that you choose to provide to ftcash, such as social media account information and your social media contacts. By linking your third party accounts or using third party sign-in services, you authorize ftcash to have access to this information and you agree that ftcash may collect and use this information in accordance with this Privacy Policy.
• Personal testimonial information or endorsements that you voluntarily provide to us and which we may display with your name on the ftcash Sites with your consent. To update or delete your testimonial, contact us at privacy@ftcash.com.

We also collect the following information (�Web Browser Information�) from your device when you use the ftcash Services: your IP address, the type of device you use, your device identifier, your operating system version, the type of browser you use, your location, and the URL that you came from and the next URL that you visit.

How does ftcash use the personal information that it collects?

• Provide the ftcash Services to you.
• Notify you about your account activity.
• Process transactions and collect fees.
• Provide customer support and resolve disputes.
• Verify your identity and account information.
• Identify, prevent, and report potentially prohibited, fraudulent, or illegal activities.
• Customize and improve your ftcash experience and the ftcash Services.
• Contact you at your telephone number by voice or SMS to validate the telephone number or your ftcash account.
• Notify you about important changes to the ftcash Services and/or ftcash�s terms and conditions.
• Provide you with news, offers, and information about the ftcash Services based on your communications preferences.
• Any other purpose that we disclose to you in the course of providing the ftcash Services to you.

How does ftcash share my personal information?
We may share your personal information as follows:

• Provide the ftcash Services to you.When you send or receive money using the ftcash Services, we will provide the other ftcash user with your registered name, city and state, and your avatar photo (if any).
• If your payment to another ftcash user fails, we may provide that user with details of the unsuccessful payment.
• With third parties to provide, maintain, and improve the ftcash Services (and not for these third parties� own purposes), including fraud prevention, identity verification, analytics and marketing services, and financial institutions and other partners that are part of the payment process.
• With third parties upon your request. For example, you may ask ftcash to confirm your status as a ftcash user with a third party merchant.
• If we believe disclosure is reasonably necessary to comply with any applicable law, legal process, or government request; to investigate or bring legal action against someone who may be violating our rights, our terms and conditions, or the rights of others; or to protect the safety and security of ftcash, our users, or the public.
• With a third party if we are involved in a merger, acquisition, or sale of all or a portion of our stock or assets. If this occurs, you will be notified of any change to this Privacy Policy, as well as any choices you may have regarding your personal information.
• We may share aggregated, non-personally identifiable information with third parties.

Other than as stated in this Privacy Policy, ftcash does not disclose or sell any of your personal information to third parties without your consent. Please note that third parties, such as merchants that you pay and third party websites that you visit, have their own privacy policies. ftcash is not responsible for the policies and practices of such third parties.

How does ftcash use cookies and web beacons?

Cookies and web beacons are technologies that ftcash and our third party service providers use to collect Web Browser Information in order to track how the ftcash Sites and ftcash Services are used. Cookies are small data files that are stored on your computer�s hard drive and web beacons are tiny graphics embedded on webpages. These technologies allow us to: provide you with a personalized experience by recognizing you when you return to the ftcash Sites; better understand our users by tracking how they use the ftcash Services; improve the design and content of the ftcash Sites by tracking how users interact with the ftcash Sites; and identify and prevent fraudulent activity. We may link Web Browser Information to any personal information that you submit while on the ftcash Sites. Our third party service providers may use cookies and web beacons to provide analytics services to ftcash, or to serve you advertisements in connection with the ftcash Services.

The ftcash Sites include social media features that allow you to �Like� or share content on third party sites. These features may be hosted by the third party sites or the ftcash Sites, and may collect your IP address, the ftcash Site page you are visiting, and may set a cookie to enable the feature to function. You can change your browser settings to refuse cookies, but this may interfere with your use of the ftcash Sites. Third parties with whom we partner to provide some content such as video clips, use Flash cookies which cannot be removed using your browser settings. To learn how to manage your Flash cookie preferences, visit the Flash Player Settings Manager Help page here.

This Privacy Policy does not apply to third party cookies, web beacons, social media features and widgets (such as the Facebook Like button), or other tracking technologies used by third parties. ftcash is not responsible for the privacy policies and practices of such third parties.

How do I opt-out of receiving promotional emails from ftcash?

If you prefer not to receive promotional emails from ftcash, click on the unsubscribe link at the bottom of any promotional email that we send you to remove your email address from future promotional email campaigns. If you have difficulty with the unsubscribe process, contact us at privacy@ftcash.com.

What security precautions does ftcash take to protect me?

We have security measures in place to protect your personal information, including the use of industry-standard data encryption technology and internal policies and restrictions regarding the storage of and access to your personal information. Please note that no data transmission over the Internet or method of electronic storage can be guaranteed to be 100% secure.

How do I update my information?

If your personal information changes, you can update or correct it in your account settings by logging into your account at www.ftcash.com.

We will retain your information for as long as your account is active or as needed to provide you the ftcash Services. If you wish to close your account or request that we no longer use your information to provide you the ftcash Services, contact us at privacy@ftcash.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our terms and conditions.

What about the privacy of children?

ftcash is a general audience website. ftcash does not knowingly collect any personal information from anyone under the age of 13.

Refer a friend

To use ftcash�s referral service, you provide your friend�s name and email address which ftcash uses to send a email inviting them to visit the ftcash Sites. ftcash stores this contact information for the sole purpose of sending the email and tracking the success of our referral program. Your friend may contact us at privacy@ftcash.com to request that we remove this information from our database.

Public Forums

The ftcash sites may offer publicly accessible blogs or community forums, which may require creation of an account with a third party. Any information you provide in these areas may be visible to the public, so we recommend that you avoid disclosing personal information. To request removal of your personal information from these areas, contact us at privacy@ftcash.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.