We may gather and acquire Personal Data from you or various sources, including but not limited to your submission of Personal Data, analysis of your account usage, publicly available sources, government authorities, regulatory authorities, law enforcement agencies, third parties, and information collected through website visits, including IP addresses and cookies. However, we only collect this data with your consent or where not otherwise restricted.

Your Personal Data will be utilized for risk management, fraud prevention, and similar purposes outlined in our Privacy Policy, aimed at improving our services. For instance, your IP address may be used for anti-fraud measures.

Occasionally, we may request additional Personal Data, which will only be collected after you provide consent through system prompts that appear after creating your account. By submitting information to us, our authorized agents, or the Platforms, you explicitly confirm the accuracy and non-misleading nature of such information.

When you create an Advance Salary account or provide personal information through the Advance Salary application, website, or other downloading platforms, you may be asked to supply information such as your name, contact details, financial data, and telecommunications usage data (telco usage score), among other relevant information ("Personal Data").

We collect and obtain this Personal Data from various sources, including your submissions, account usage analysis, publicly available sources, government authorities, regulatory authorities, law enforcement agencies, third parties, and information collected through website visits, such as IP addresses and cookies. However, this data is only collected with your consent or where not otherwise restricted.

Your Personal Data will be used for risk management, fraud prevention, and other purposes specified in our Privacy Policy to enhance our services. For example, we may use your IP address for anti-fraud measures. We may request additional Personal Data at times, which will only be collected after obtaining your consent through system prompts that appear after creating your account. Your decision to provide or withdraw your consent for the submission of Personal Data will be respected, and you can request the removal of your data from our system.

If you sign up for Advance Salary using our mobile app, we may access information voluntarily provided and consented to under your contact number mobile app account. However, we will handle and use this information solely for the purposes stated in this Privacy Policy and in accordance with Advance Salary's Privacy Policy.

Purpose of Collecting Personal Data During your use of our service, we may utilize, process, and disclose your Personal Data to Advance Salary's affiliates, subsidiaries, and partner companies for the following purposes ("Permitted Purpose"):

• Authenticating your identity
• Assessing and processing your applications for our products and services
• Communicating with you, including sending updates, reminders, and responding to inquiries and complaints
• Managing and maintaining your accounts/facilities
• Conducting credit checks and verifying credit/financial worthiness
• Evaluating your financial needs
• Strategic alliances, cross-selling, marketing, and promotions
• Maintaining your credit history
• Detecting and investigating crime, fraud, or illegal activities
• Compliance with legal requirements and regulations
• Debt collection and enforcement
• Market research, statistical analysis, and surveys
• Providing information on our and third-party products and services
• Verifying information accuracy with third parties
• Research, design, and improvement of our products, services, and processes
• Business, financial, and risk monitoring, planning, and decision-making
• Handling complaints and queries
• Audit, compliance, and risk management
• Transfer or assignment of rights and duties
• Outsourcing of business and internal operations
• Security purposes
• Cross-border transactions and foreign processing/storage of Personal Data
• Processing applications and assessing suitability for the program, including background checks