PRIVACY POLICY. The Policy is incorporated into Terms of Use and is subject to the terms laid down therein.

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1 PRIVACY POLICY This Privacy Policy ( Policy ) applies to the website Creditseva.com which is an online internet portal ( Creditseva ), offering credit repair, credit monitoring and credit consulting services ( Services ). This Policy describes Creditseva s use and sharing of information received from persons accessing or using the Services ( User ) whether he/she is a Visitor (which means that User simply browses the Creditseva.com, or otherwise uses any Services without being registered with Creditseva) or is a Member (which means that User has registered with Creditseva). Creditseva adheres to the applicable laws regarding the collection, use, and retention of personal information. Creditseva s Policy is subject to change at any time without notice. The User shall review the Policy periodically to make sure that he/she is aware of any changes to it. The User agrees to be bound by the terms and conditions of this Policy while accessing Creditseva.com. If User does not agree with the terms and conditions of the Policy, he/she should not use or access Creditseva.com. The Policy is incorporated into Terms of Use and is subject to the terms laid down therein. Information Collected from User 1.1. When User registers with Creditseva or uses the Services, the User may be asked to provide information such as: (1) personally identifiable information, which includes any information about the User that could reasonably be used to identify him/her in person, such as User s name, gender, address, address, date of birth, driver s license number, phone number or Credit Report information ( Personal Information ); and, (2) financial information such as User s Permanent Account Number (PAN), income, credit/debit card details, bank details, financial accounts details, etc. ( Financial Information ) In addition to any Personal Information or Financial Information that User chooses to submit to Creditseva, Creditseva and its third-party service providers may use a variety of technologies that automatically (or passively) collect certain information, including but not limited to usernames, passwords, and other security and usage related information, whenever User visits or utilizes the Services ( Usage Information ). Creditseva automatically receives and records information that User s browser sends whenever User visits Creditseva.com. Further, these server logs may include information such as User s IP address or a unique identifier ( Device Identifier ), browser type, browser language, the date and time of User s request, pages viewed, time spent on Creditseva.com and one or more cookies that may uniquely identify the User s browser, from his/her computer or other device used to access the Services (the Device ). A Device Identifier is a number that is automatically assigned to the User s Device, used to access the Services, and Creditseva s computers identify User s Device by its Device Identifier.

2 1.3. Cookies (data file placed on a Device when it is used to access the Services) may be used for many purposes, including, without limitation, remembering User and User s preferences and tracking User s visits to Creditseva.com. Creditseva uses temporary and permanent cookies when User signs in, to identify him/her and keep track of his/her personal session. All such information is securely stored, and no Personal Information is stored on User s cookie. If User chooses to disable the cookies on his/her Device, some features of the Services may not function properly. If User chooses to allow the cookies on his/her Device, User is hereby permitting Creditseva to use the Information collected by the cookies Creditseva uses aggregate data collected in log files and cookies to enhance or otherwise improve the Services, ascertain User preferences, to customize any advertising and content User sees, retrieval of information already provided by the User on Creditseva.com, improve the Services, develop new services, conduct research, etc. These cookies and log files do not store User s Personal Information, but they are tied to User s Personal Information in Creditseva s system Creditseva uses session ID cookies to make it easier for User to navigate through the Creditseva.com. Session ID cookies expire upon [ ] minutes of inactivity or when User closes his/her browser whichever is shorter. Creditseva also uses a persistent cookie that remains on User s hard drive for an extended period of time, so that Creditseva can recognize such User when he/she returns to the Creditseva.com Small graphic images or other web programming code called web beacons (also known as 1x1GIFs or cleargifs ) may be present on the Creditseva.com. Web beacons may be invisible to the User, but any electronic image or other web programming code inserted into the Creditseva.com can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count the Users of the Services, to monitor how Users navigate the Services, to count how many sent s were actually opened or to count how many particular pages or links were actually viewed. In contrast to cookies, which are stored on a User's computer hard drive, clear gifs are embedded invisibly on the Creditseva.com. Creditseva does not tie web beacons to Personal Information Further, a programming code that is designed to collect information about User s interactions with the Services ( EmbeddedScript ) is temporarily downloaded onto User s Device from Creditseva s web server. However, such Embedded Script is active only while User is connected to the Services, and is deactivated or deleted thereafter. Use of such Information Collected 1.8. Creditseva will use the Personal Information and Financial Information collected from Users to deliver the products and Services requested through Creditseva.com, enhance

3 the operations of the Creditseva.com, or collect payment for the Services offered. Creditseva may also use any non-financial Information to improve Creditseva s marketing and promotional efforts, analyze Creditseva.com use, improve Creditseva s product and Service offerings, to inform Users about online and offline offers, products, services, updates, and to tailor User s experience with third parties. For example, if User sends Creditseva s customer service an , Creditseva may use the User s comments and feedback to tell others about Creditseva s services, and may post User s comments in Creditseva s marketing materials or on Creditseva.com Creditseva may use the Personal Information for the purpose of correspondence and for the objective of providing any requested Service or product. Such information may also be used for collecting and analysing the demographic and profile data of Creditseva.com s User and such User s activity on the Creditseva.com. Personal Information and Usage Information may be used by Creditseva to ensure that the Services and the Creditseva.com are available at all times to the User. Such information may also be used by Creditseva for gathering demographic information by way of occasional online surveys. Creditseva may also use the Personal Information to troubleshoot, resolve disputes, accomplish administrative tasks, contact User, enforce Creditseva s agreements with User including Creditseva.com s Terms of Use and this Policy, comply with applicable laws, and cooperate with law enforcement activities Creditseva may, use and/or share with third-parties, the Personal and/or Financial Information provided by the User for providing the User with the requested Services or products, including but not limited to, dealing with disputes and interventions with credit bureaus and creditors as well as processing of payments. Further, Creditseva may also share Financial Information with Creditseva s authorized third party service providers, such as payment gateways to facilitate the transactions proposed to be entered on Creditseva.com in relations to the Services. However, such Financial Information is only given to third party vendors when necessary to carry out legitimate business objectives The User may also request for certain Services of Creditseva which may involve the sending and receiving of communication to and correspondence with certain specific third-party agencies or entities. Such communication may contain certain Personal and/or Financial Information of the User and may be sent by the User from Creditseva. While sending such communication, Creditseva uses certain technology by which such communication would appear to the particular third-party agency or entity as having been sent directly by the User from his/her personal account (as provided to Creditseva for becoming a Member) without any involvement, or mention, of Creditseva. Further, any response to such communication shall be solely and directly received by the User, and Creditseva would not access or otherwise use any such information contained in such response, unless specifically provided by the User.

4 1.12. Creditseva will not indulge in any trading activity using the Personal Information, Financial Information, or any other information collected from Users. Disclosure of Personal Information Except as set forth herein, Creditseva does not rent, sell or share Personal Information it collects about User to or with third parties, and Personal Information collected from User is only used to provide him/her with Creditseva s products and Services, suggest products that might be of use, assistance and/or interest to User ( Personalisation ) and to comply with any requirements of law. Notwithstanding the foregoing statement, User has the option to opt-out of Personalisation Creditseva s agents or contractors may have access to User s Personal Information for the purpose of performing Services on behalf of Creditseva. All such agents or contractors who have access to User s Personal Information are required to keep the information confidential and not use it for any other purpose than to carry out the Services they are performing for Creditseva or as otherwise required by law Creditseva may share Personal Information with its other corporate entities and affiliates to detect and prevent identity theft, fraud and other potentially illegal acts; and correlate related or multiple accounts to prevent the abuse of Creditseva s Services. Those entities and affiliates may not market to User as a result of such sharing unless User explicitly opts in Creditseva may disclose Personal Information, if required to do so, by law or in the good faith belief that such disclosure is reasonably necessary to respond to summons, court orders, or other legal process. Creditseva may disclose User s Personal Information to law enforcement offices, third party rights owners, or others in the good faith belief that such disclosure is reasonably necessary to enforce Creditseva s Terms of Use or this Policy, respond to claims that an advertisement, posting or other content violating the rights of a third party, or protect the rights, property or personal safety of Users or the public at large Further, if Creditseva should ever file for bankruptcy or merge with another company or sell its assets, Creditseva may sell or transfer the information User provided to Creditseva on this Creditseva.com to a third party or share User s Personal Information to the company with which Creditseva enters into such transaction. Security of Information Collected from Users Creditseva works continuously to protect the privacy and security of User s Personal and Financial Information. Creditseva updates and tests its technology regularly to ensure that it maintains commercially reasonable standards in securing User s privacy.

5 Creditseva maintains physical, electronic, and procedural safeguards to protect User s Personal and Financial Information. Creditseva has designed its systems to ensure that passwords and any other access codes are always private and confidential. For User protection, only Users have knowledge about their access codes. In addition, User s Personal and Financial Information resides on secure server(s) to which only selected personnel and contractors have access. Creditseva encrypts sensitive information using Secure Socket Layer (SSL) technology to ensure that User s Personal and Financial Information is safe as it is transmitted to it To ensure and maintain standards of data protection and information security, Creditseva complies with and maintains the International Standard IS/ISO/IEC on Information Technology Security Techniques Information Security Management System Requirements in accordance with the Reasonable Security Practices and Procedures as stipulated under the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, Links to Other Websites Creditseva.com may contain links to other third-party websites that may collect User s Personal Information. Creditseva is not responsible for the privacy practices or the content of those linked websites. Communication If User has any questions or concerns regarding Creditseva s privacy policy, please send a detailed message to [ ].

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