OUR COMMITMENT TO YOU AND YOUR PRIVACY

Woje Money, Woje, Inc. understands that you care about how your personal information is used and shared, and we take your privacy seriously. Our main goal is to provide you with amazing service, and we understand that you may have questions or concerns regarding your personal information and how it will be used. For your convenience, we have made this privacy policy readily available on almost every page of www.wojemoney.com and www.wojeinc.com, (the “websites”) and through our mobile applications. You may also email us at support@wojeinc.com with any privacy-related questions you have.

This privacy policy (the “Policy”) describes how WOJE, Inc. and our related companies (“WOJE Money” or “We/Our/Us”) collect, use and share personal information that we collect from you as a user of WOJE, Inc. websites, devices, applications, and services (together, the “Services”). WOJE, Inc. strives to comply with all laws that apply to our handling of information collected about you. This Policy is subject to those laws that may be more strict than as outlined here. The term “related companies” means WOJE, Inc. SAJ Research & Development, LLC, and WOJE Money affiliates which collect and process your personal information in the countries you are located.

We may add to, or amend, this Policy with other notices. We may also post different privacy policies for some Services and, when we do so, this Policy does not apply. For example, where applicable, separate policies apply to information collected from your device through WOJE, Inc. Usage and WOJE, Inc. Error Reporting.

You have the right to object to us using, sharing, or carrying out any activity with your personal information (in certain circumstances) including using your personal information for direct marketing (i.e. receiving emails from us notifying you about other services which we think will be of interest to you or being contacted with varying potential opportunities). Contact us at any time with the details provided in the contact section below for more detail and to exercise this right where applicable.

NOTE: Your operating system, mobile operating system provider, and/or third-party applications, toolbars, services, “plug-ins”, social media platforms, and websites may also collect, use and share information about you. WOJE, Inc.’s privacy policies do not cover any third parties, their products, actions, or their services. WOJE, Inc. does not control how third parties collect, use or secure your data. For information about third-party privacy practices, please consult their privacy policies. Only download applications from, and interact and connect with, reputable third parties.

1. INFORMATION YOU GIVE US

We are committed to providing a safe, secure service. Therefore, before permitting you to use the services, we may require additional information from you we can use to verify your identity, address, or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention, and similar services. When you are using the services, we collect information about your account transactions and we may collect geolocation information and/or information about your computer or other access devices for fraud prevention and other similar purposes.

Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

When you use our services, you may provide information to us, both online and offline, including, for example, your name, email address, street address, phone numbers, fax number, date of birth, device identifiers, location data, your provider information, photos, videos and demographics (gender, company or organization name, occupation, language preference, city, country, post code, area code, time zone, etc.). If you purchase services from us, we may also store your bank account numbers or other payment information, as required. We may hold and associate any information you provide us together with information gathered from other sources, including the social accounts that you choose to associate with your use of the services, or with information we receive from other companies.

2. INFORMATION WE AUTOMATICALLY COLLECT

When you use the Services, we automatically collect some information. We may collect information about your activity on our Services. When you visit our websites, information we may automatically log includes, for example, your operating system, Internet Protocol (IP) address, access times, browser type and language, and the website that you visited before visiting our website. When you use our devices, download and use our applications, or access the Services from your device, we may also log information related to your device and your use of our applications and Services. We may log, for example, the date you activate your device, your location, phone number, device type, serial number, device identifiers (e.g., IMEI, MEID, serial number, CID, MID, and MCC ID Number or SIM card ID), the types and versions of mobile operating systems on your device, applications and software you install and use and how you use them, content you view or use and time-stamped logs of data exchanges. If you use the Services to back up and store your device data and content with an independent third-party service provider, we will collect certain information needed to help restore your data and content to your devices, such as your device settings and the names of files and applications that you wish to back up. We may also log information about you using web beacons, cookies, local shared objects (LSOs), and similar methods. We may automatically link any of the information that we collect about you using these methods, to information that you provide us and any other information that we collect about you in accordance with this Policy.

3. INFORMATION COLLECTED THROUGH THIRD PARTY

Some of our WOJE, Inc. e-stores are operated by third parties, such as Kartra. When you purchase products through that e-store you enter into terms and conditions with that e-store and they have a separate privacy policy available on the site. Kartra is a data controller in its own right. E-Store providers share certain user transaction data with us for our sales reports, a better understanding of customer behavioral analysis, or other legitimate purposes as described in this Policy.

4. Other information for Advertising

We may use third-party ad service providers to serve ads in our Services. We may also use third parties to deliver or help us deliver WOJE,Inc.-branded ads to you on third-party websites. To deliver these ads, third parties automatically collect certain information about you and your devices and your use of the Services. This information may include visits to the websites and applications of WOJE,Inc. and others, your IP address, your Internet service provider, and the browser that you use to visit our website. Third parties may collect information by using cookies. WOJE,Inc. may use information collected through third-party cookies or beacon in our Service or email for purpose to serve better ads to you on third-party websites. We may know when you visit WOJE,Inc. website after you browse such third-party websites and use the information collected about you to serve tailored ads to your interests through our Services or third-party service.

5. USE OF YOUR PERSONAL INFORMATION

WOJE, Inc. may use your information, including personal information, as follows:

To provide requested services or perform a contract with you. To provide and deliver products and services that you request;

To process the post transaction requested by you, such as refund;

To send you information related to your requests, queries, and purchases, including confirmations, invoices, technical notices, updates, security alerts, and support and administrative messages; Where we have your consent To send you marketing communications including contests, promotions, rewards, upcoming events and news about products and services offered by WOJE,Inc. and our selected partners (we do this as per your choices) and to process and deliver contest entries and rewards. Where we have a legitimate interest in improving your customer.

To operate and improve our websites, products, services, and marketing;

To respond to your comments and questions and provide customer service; • To compile information to be able to provide you with a personalized and customized experience, content, marketing, and recommendations across all our Services (in line with your choices as relates to receiving any direct marketing communications);

To link or combine your personal information with other information we get about your use of other WOJE, Inc. Services and from third parties for the purposes that we disclose in this policy, including to help understand you and your needs, and provide you with recommendations, better service, and customized marketing;

To filter the content to be displayed as part of the Services;

To compile usage and other statistics and insights relating to the Services;

To prevent, investigate and deter against fraudulent, unauthorized, or illegal activity, and ensure network and information security; and

To facilitate sharing of information and content that you choose to upload via social media (for example if you choose to upload content on the WOJE,Inc. forum or other applications, this may be made available for others to see through such forum). Where we have a legal obligation

To protect, investigate and deter against fraudulent, unauthorized, or illegal activity.

Where your personal information is necessary for us to be able to provide you with requested services we make this clear on collection. If you decline to provide us with this information or object to continued processing of this information we will be unable to provide such requested services to you. If you object to the processing of your personal data for marketing communication or if you withdraw your consent, we are obliged, according to data protection law, to enter the required data (name, e-mail address) into our internal emailing system in order to ensure the ongoing observance of your objection or of your withdrawal of consent. We will use your blocked data exclusively for this purpose.

6. SHARING OF PERSONAL INFORMATION

INFORMATION YOU SHARE

The Services may allow you to connect and share your actions, comments, content, and information publicly or with people you specify. You may also connect to, and share your information on, third-party social media platforms, websites, applications, and services (“Third Party Sharing Services”) through “plug-ins,” widgets, buttons, and other third-party features made available on and connected with our Services. Please be mindful of your own privacy needs as you choose who to connect with and what to share and make public. We cannot control the privacy or security of information that you choose to make public or share with others. We also cannot control and are not responsible for any Third-Party Sharing Services or their actions, including the data that these Third-Party Sharing Services collect from you and your device, or how they use such data. Please review the privacy policies of all Third-Party Sharing Services to understand their privacy practices.

INFORMATION WE SHARE

We may share your personal information as follows where it is lawful to do so: With your consent. We share your personal information with ad network providers where you have given your consent. We also share your personal information with co-branded partners where you have consented to this. Our partners’ use of your personal information will be subject to their privacy policies. For the purposes of a business deal (or negotiation of a business deal) involving a sale or transfer of all or a part of our business or assets. Business deals may include but are not limited to any merger, financing, acquisition or bankruptcy transaction, or proceeding. For legal, protection, security, and safety purposes:

to comply with laws or regulatory requirements and to respond to lawful requests and legal processes;

to protect the rights and property of WOJE, Inc., our agents, customers, and others, including enforcing our agreements, policies, and terms of use and protecting our network and physical assets; and/or

in an emergency, including protecting the safety of our employees and agents, our customers or any other person. With service providers who process personal information as part of services to us and who are subject to appropriate contractual obligations.

7. WHERE WE STORE YOUR INFORMATION AND TRANSFER OF YOUR INFORMATION

Information that we collect may be stored on your phone or stored on our servers and transferred to, stored and processed in the United States, Taiwan, Singapore, People’s Republic of China, United Kingdom, other EU member state countries (such as Poland) and any other country where WOJE, Inc. or its service providers maintain facilities, depending on where you use our product and services. Where your personal information is transferred from within the EU to outside the European Economic Area (EEA), security measures and appropriate safeguards are put in place to protect your information and we ensure that all transfers of your information comply with applicable data protection law, and are carried out in accordance with our instructions. We have in place the relevant EU Model Clauses* with any party (including AC,Inc. Corporation) your information is transferred to outside the EEA, as an adequate safeguard. To find out more about how we safeguard your information (including obtaining a copy of such safeguards) in relation to transfers outside the EEA, please contact us via the details provided in the contact section below.

* EU Model clauses means standard clauses for transfer of personal information to a controller established in third party countries under European Commission decision 2001/497/EC of 15 June 2001, as amended by European Commission decision 2004/915/EC of 27 December 2004, and the standard clauses for transfer of personal information to processors established in third countries under European Commission decision 2010/87/EC of 5 February 2010.

8. RETENTION

Information that we collect may be retained for as long as needed to fulfill the purposes outlined in the “use of your personal information” section above, or for a period of time specifically required by applicable regulations or laws such as retaining the information for tax and accounting purposes. When determining the relevant retention periods, we will take into account factors including:

our contractual obligations and rights in relation to the information involved;

legal obligation(s) under applicable law to retain data for a certain period of time; • statute of limitations under applicable law(s);

(potential) disputes; and

guidelines issued by relevant data protection authorities. Otherwise, we securely erase your information once this is no longer needed. Contact us if you would like more information on how long we retain your information.

9. YOUR RIGHTS

By law, you have a number of rights (subject to certain conditions) when it comes to your information. Further information and advice about your rights can be obtained from the data protection regulator in your country. You can exercise any of these rights by contacting us through our contact information below.

The right to object to processing. You have the right to object to certain types of processing, including processing for direct marketing (i.e. receiving emails from us notifying you about other services which we think will be of interest to you or being contacted with varying potential opportunities).

The right to be informed. You have the right to be provided with clear, transparent, and easily understandable information about how we use your information and your rights. This is why we’re providing you with the information on this Policy.

The right of access. You have the right to obtain access to your information (if we’re processing it), and certain other information (similar to that provided in this Privacy Policy). This is so you’re aware and can check that we’re using your information in accordance with data protection law.

The right to rectification. You are entitled to have your information corrected if it is inaccurate or incomplete. You can request that we rectify any errors in information that we hold. • The right to erasure. This is also known as ‘the right to be forgotten’ and, in simple terms, enables you to request the deletion or removal of your information that we hold.

The right to restrict processing. You have the right to ‘block’ or suppress further use of your information. When processing is restricted, we can still store your information, but will not use it further. We keep lists of people who have asked for further use of their information to be ‘blocked’ to make sure the restriction is respected in the future.

The right to data portability. You have the right to obtain and reuse your information for your own purposes across different services. For example, if you decide to switch to a new provider, this enables you to move, copy or transfer your information easily between our IT systems and theirs safely and securely, without affecting its usability. This is not a general right however and there are exceptions.

The right to lodge a complaint. You have the right to lodge a complaint about the way we handle or process your information with your national data protection regulator.

The right to withdraw consent. If you have given your consent to anything we do with your information (i.e. we rely on consent as a legal basis for processing your information), you have the right to withdraw your consent at any time (although if you do so, it does not mean that anything we have done with your personal data with your consent up to that point is unlawful). You can withdraw your consent to the processing of your information at any time.

10. INFORMATION CHOICES AND CHANGES

Our marketing emails tell you how to “opt-out” of receiving further marketing emails. If you opt-out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts and our business dealings with you, and may include a request that you participate in surveys related to your use of, and satisfaction with, the Services. You may send requests about your personal information to us through our contact information below. You can request to change contact choices or marketing choices and to update, access, delete or make other changes regarding your personal information or content that you post on the Services in line with your rights above. We may not honor all such requests unless required by law. When you use our Services, we and third parties may give you choices about the use of certain mechanisms for tracking, including tracking of your online activities over time and across different websites, applications, and online services. We may provide settings on your device that allow you to change how we, and others, collect certain information about you. Read your product manual for more information about settings on your device. Many browsers are set to accept cookies unless and until you change your settings. Removing or rejecting our cookies could affect how our websites and Services work for you and could delete or disable opt-out cookies set by us and third parties. Some of our third-party ad service providers also provide choices for use of cookies to deliver ads tailored to your profile and preferences.

While we and others give you certain choices, as further outlined in this Policy, there are many ways in which Web browser signals and similar mechanisms can indicate your choice to disable tracking, and we may not be aware of nor honor every such mechanism.

11. PROTECTION OF YOUR PERSONAL INFORMATION

We strive to protect personal information by taking appropriate physical, technical, and organizational measures to help guard against unauthorized or unlawful access, use, processing, or alteration of the personal information that we obtain from you through our Services and against any breaches or loss of such personal information, such as anonymization, pseudonymization, encryption (such as encrypted by Transport Layer Security (HTTPS) during transmission), restricted access, etc. Although we take steps to use and improve various safeguards, no system or technology is completely secure. If you become aware of a technical vulnerability affecting WOJE, Inc. Services, please email scott@wojemoney.com or visit this website to report it. If you have a concern related to the protection of personal information or this Policy, please send an email to the same. WOJE,Inc. An account lets you use a single username and password to log on to www.wojeymoney.com and other WOJE, Inc. applications and Services. Some WOJE,Inc. applications and Services require a different user name and password. Please protect your usernames and passwords to help prevent anyone from accessing your accounts and your personal information. We are not responsible for the security of any independent third-party applications and services or the data those third-party applications and services may collect about you. Please ask those third parties how they keep your data safe.

12. CONTACT INFORMATION

We welcome your comments or questions about this Policy. Please email us at service@wojeinc.com.

13. CHANGES TO THIS PRIVACY POLICY

We may make changes to this Policy. If we make any changes to the Policy they will be posted on this page and we will change the “Last Updated” date below. THIS PRIVACY POLICY WAS LAST UPDATED ON 28th June 2021.