Privacy Policy
Updated at 2021-07-29
A2 Finance (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal
information is collected, used, and disclosed by A2 Finance.
This Privacy Policy applies to our website, and its associated subdomains (collectively, our “Service”) alongside our application,
A2 Finance. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage,use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

Definitions and key terms
To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly
defined as:● Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser,

provide analytics, remember information about you such as your language preference or login information.
● Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to A2 Finance, that is responsible for yourinformation under this Privacy Policy.
● Country: where A2 Finance or the owners/founders of A2 Finance are based, in this case is Russia● Customer: refers to the company, organization or person that signs up to use the A2 Finance Service to manage therelationships with your consumers or service users.
● Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit A2

Finance and use the services.
● IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address.

These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location fromwhich a device is connecting to the Internet.
● Personnel: refers to those individuals who are employed by A2 Finance or are under contract to perform a service onbehalf of one of the parties.
● Personal Data: any information that directly, indirectly, or in connection with other information — including a personal
identification number — allows for the identification or identifiability of a natural person.
● Service: refers to the service provided by A2 Finance as described in the relative terms (if available) and on this platform.
● Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide
our content or whose products or services we think may interest you.
● Website: A2 Finance."’s" site, which can be accessed via this URL: a2-finance.com● You: a person or entity that is registered with A2 Finance to use the Services.

What Information Do We Collect?
We collect information from you when you visit our website, register on our site, place an order, subscribe to our newsletter,
respond to a survey or fill out a form.
● Name / Username● Email Addresses● Password

How Do We Use The Information We Collect?

Any of the information we collect from you may be used in one of the following ways:● To personalize your experience (your information helps us to better respond to your individual needs)● To improve our website (we continually strive to improve our website offerings based on the information and feedback we

receive from you)
● To improve customer service (your information helps us to more effectively respond to your customer service requests andsupport needs)● To process transactions● To administer a contest, promotion, survey or other site feature● To send periodic emails

When does A2 Finance use end user information fromthird parties?
A2 Finance will collect End User Data necessary to provide the A2 Finance services to our customers.
End users may voluntarily provide us with information they have made available on social media websites. If you provide us withany such information, we may collect publicly available information from the social media websites you have indicated. You cancontrol how much of your information social media websites make public by visiting these websites and changing your privacy
settings.

When does A2 Finance use customer information fromthird parties?
We receive some information from the third parties when you contact us. For example, when you submit your email address to
us to show interest in becoming a A2 Finance customer, we receive information from a third party that provides automated fraud
detection services to A2 Finance. We also occasionally collect information that is made publicly available on social media
websites. You can control how much of your information social media websites make public by visiting these websites andchanging your privacy settings.

Do we share the information we collect with third
parties?
We may share the information that we collect, both personal and non-personal, with third parties such as advertisers, contest
sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may
interest you. We may also share it with our current and future affiliated companies and business partners, and if we are involvedin a merger, asset sale or other business reorganization, we may also share or transfer your personal and non-personal
information to our successors-in-interest.
We may engage trusted third party service providers to perform functions and provide services to us, such as hosting andmaintaining our servers and the website, database storage and management, e-mail management, storage marketing, credit
card processing, customer service and fulfilling orders for products and services you may purchase through the website. We will
likely share your personal information, and possibly some non-personal information, with these third parties to enable them toperform these services for us and for you.
We may share portions of our log file data, including IP addresses, for analytics purposes with third parties such as web

analytics partners, application developers, and ad networks. If your IP address is shared, it may be used to estimate generallocation and other technographics such as connection speed, whether you have visited the website in a shared location, andtype of the device used to visit the website. They may aggregate information about our advertising and what you see on thewebsite and then provide auditing, research and reporting for us and our advertisers. We may also disclose personal andnon-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion,
believe necessary or appropriate in order to respond to claims, legal process (including subpoenas), to protect our rights andinterests or those of a third party, the safety of the public or any person, to prevent or stop any illegal, unethical, or legally
actionable activity, or to otherwise comply with applicable court orders, laws, rules and regulations.

Where and when is information collected from
customers and end users?
A2 Finance will collect personal information that you submit to us. We may also receive personal information about you fromthird parties as described above.

How Do We Use Your Email Address?
By submitting your email address on this website, you agree to receive emails from us. You can cancel your participation in anyof these email lists at any time by clicking on the opt-out link or other unsubscribe option that is included in the respective email.
We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send
unsolicited commercial emails, because we hate spam as much as you do. By submitting your email address, you also agree toallow us to use your email address for customer audience targeting on sites like Facebook, where we display custom advertisingto specific people who have opted-in to receive communications from us. Email addresses submitted only through the orderprocessing page will be used for the sole purpose of sending you information and updates pertaining to your order. If, however,
you have provided the same email to us through another method, we may use it for any of the purposes stated in this Policy.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at
the bottom of each email.

How Long Do We Keep Your Information?
We keep your information only so long as we need it to provide A2 Finance to you and fulfill the purposes described in thispolicy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When
we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory
obligations, we’ll either remove it from our systems or depersonalize it so that we can't identify you.

How Do We Protect Your Information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order orenter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit informationis transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only
to be accessible by those authorized with special access rights to such systems, and are required to keep the information
confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) is never kept on
file. We cannot, however, ensure or warrant the absolute security of any information you transmit to A2 Finance or guaranteethat your information on the Service may not be accessed, disclosed, altered, or destroyed by a breach of any of our physical,
technical, or managerial safeguards.

Could my information be transferred to other countries?

A2 Finance is incorporated in Russia. Information collected via our website, through direct interactions with you, or from use of
our help services may be transferred from time to time to our offices or personnel, or to third parties, located throughout theworld, and may be viewed and hosted anywhere in the world, including countries that may not have laws of general applicability
regulating the use and transfer of such data. To the fullest extent allowed by applicable law, by using any of the above, youvoluntarily consent to the trans-border transfer and hosting of such information.

Is the information collected through the A2 Finance
Service secure?
We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures tohelp safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither
people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes,
make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personal information, we
cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personal information,
you agree that intentional misconduct will be the standards used to measure our compliance with that duty.

Can I update or correct my information?
The rights you have to request updates or corrections to the information A2 Finance collects depend on your relationship with
A2 Finance. Personnel may update or correct their information as detailed in our internal company employment policies.
Customers have the right to request the restriction of certain uses and disclosures of personally identifiable information as
follows. You can contact us in order to (1) update or correct your personally identifiable information, (2) change your preferenceswith respect to communications and other information you receive from us, or (3) delete the personally identifiable information
maintained about you on our systems (subject to the following paragraph), by cancelling your account. Such updates,
corrections, changes and deletions will have no effect on other information that we maintain, or information that we haveprovided to third parties in accordance with this Privacy Policy prior to such update, correction, change or deletion. To protect
your privacy and security, we may take reasonable steps (such as requesting a unique password) to verify your identity before
granting you profile access or making corrections. You are responsible for maintaining the secrecy of your unique password andaccount information at all times.
You should be aware that it is not technologically possible to remove each and every record of the information you haveprovided to us from our system. The need to back up our systems to protect information from inadvertent loss means that a
copy of your information may exist in a non-erasable form that will be difficult or impossible for us to locate. Promptly after
receiving your request, all personal information stored in databases we actively use, and other readily searchable media will be
updated, corrected, changed or deleted, as appropriate, as soon as and to the extent reasonably and technically practicable.
If you are an end user and wish to update, delete, or receive any information we have about you, you may do so by contacting
the organization of which you are a customer.

Sale of Business
We reserve the right to transfer information to a third party in the event of a sale, merger or other transfer of all or substantiallyall of the assets of A2 Finance or any of its Corporate Affiliates (as defined herein), or that portion of A2 Finance or any of its
Corporate Affiliates to which the Service relates, or in the event that we discontinue our business or file a petition or have filed
against us a petition in bankruptcy, reorganization or similar proceeding, provided that the third party agrees to adhere to theterms of this Privacy Policy.

Affiliates
We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy
Policy, "Corporate Affiliate" means any person or entity which directly or indirectly controls, is controlled by or is under common
control with A2 Finance, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate
Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law
This Privacy Policy is governed by the laws of Russia without regard to its conflict of laws provision. You consent to the
exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection
with this Privacy Policy except for those individuals who may have rights to make claims under Privacy Shield, or the Swiss-US
framework.
The laws of Russia, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your use of thewebsite may also be subject to other local, state, national, or international laws.
By using A2 Finance or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to thisPrivacy Policy, you should not engage with our website, or use our services. Continued use of the website, direct engagementwith us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of yourpersonal information will mean that you accept those changes.

Your Consent
We've updated our Privacy Policy to provide you with complete transparency into what is being set when you visit our site andhow it's being used. By using our website, registering an account, or making a purchase, you hereby consent to our Privacy
Policy and agree to its terms.

Links to Other Websites
This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by
A2 Finance. We are not responsible for the content, accuracy or opinions expressed in such websites, and such websites are
not investigated, monitored or checked for accuracy or completeness by us. Please remember that when you use a link to gofrom the Services to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any otherwebsite, including those that have a link on our platform, is subject to that website’s own rules and policies. Such third parties
may use their own cookies or other methods to collect information about you.

AdvertisingThis website may contain third party advertisements and links to third party sites. A2 Finance does not make any representation
as to the accuracy or suitability of any of the information contained in those advertisements or sites and does not accept any
responsibility or liability for the conduct or content of those advertisements and sites and the offerings made by the third parties.
Advertising keeps A2 Finance and many of the websites and services you use free of charge. We work hard to make sure that

ads are safe, unobtrusive, and as relevant as possible.
Third party advertisements and links to other sites where goods or services are advertised are not endorsements orrecommendations by A2 Finance of the third party sites, goods or services. A2 Finance takes no responsibility for the content of
any of the ads, promises made, or the quality/reliability of the products or services offered in all advertisements.

Cookies for Advertising
These cookies collect information over time about your online activity on the website and other online services to make online
advertisements more relevant and effective to you. This is known as interest-based advertising. They also perform functions likepreventing the same ad from continuously reappearing and ensuring that ads are properly displayed for advertisers. Without
cookies, it’s really hard for an advertiser to reach its audience, or to know how many ads were shown and how many clicks theyreceived.

Cookies
A2 Finance uses "Cookies" to identify the areas of our website that you have visited. A Cookie is a small piece of data stored onyour computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our
website but are non-essential to their use. However, without these cookies, certain functionality like videos may become
unavailable or you would be required to enter your login details every time you visit the website as we would not be able toremember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you
disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place PersonallyIdentifiable Information in Cookies.

Blocking and disabling cookies and similar technologies
Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block ouressential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its featuresand services. You should also be aware that you may also lose some saved information (e.g. saved login details, site
preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a
cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within yourbrowser, you should visit your browser's help menu for more information.

Remarketing Services
We use remarketing services. What Is Remarketing? In digital marketing, remarketing (or retargeting) is the practice of serving
ads across the internet to people who have already visited your website. It allows your company to seem like they're “following”
people around the internet by serving ads on the websites and platforms they use most.

Payment Details
In respect to any credit card or other payment processing details you have provided us, we commit that this confidential
information will be stored in the most secure manner possible.

Kids' Privacy

We do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone
under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data,
please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without
verification of parental consent, We take steps to remove that information from Our servers.

Changes To Our Privacy Policy
We may change our Service and policies, and we may need to make changes to this Privacy Policy so that they accuratelyreflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before
we make changes to this Privacy Policy and give you an opportunity to review them before they go into effect. Then, if you
continue to use the Service, you will be bound by the updated Privacy Policy. If you do not want to agree to this or any updated
Privacy Policy, you can delete your account.

Third-Party Services
We may display, include or make available third-party content (including data, information, applications and other products
services) or provide links to third-party websites or services ("Third- Party Services").
You acknowledge and agree that A2 Finance shall not be responsible for any Third-Party Services, including their accuracy,completeness, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect thereof. A2 Finance does
not assume and shall not have any liability or responsibility to you or any other person or entity for any Third-Party Services.
Third-Party Services and links thereto are provided solely as a convenience to you and you access and use them entirely at
your own risk and subject to such third parties' terms and conditions.

Facebook Pixel
Facebook pixel is an analytics tool that allows you to measure the effectiveness of your advertising by understanding the actions
people take on your website. You can use the pixel to: Make sure your ads are shown to the right people. Facebook pixel may
collect information from your device when you use the service. Facebook pixel collects information that is held in accordancewith its Privacy Policy

Tracking Technologies● Cookies

We use Cookies to enhance the performance and functionality of our $platform but are non-essential to their use.
However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter
your login details every time you visit the $platform as we would not be able to remember that you had logged inpreviously.
● Local Storage

Local Storage sometimes known as DOM storage, provides web apps with methods and protocols for storing client-side
data. Web storage supports persistent data storage, similar to cookies but with a greatly enhanced capacity and noinformation stored in the HTTP request header.

● Sessions$elnombre uses "Sessions" to identify the areas of our website that you have visited. A Session is a small piece of datastored on your computer or mobile device by your web browser.

Information about General Data Protection Regulation(GDPR)
We may be collecting and using information from you if you are from the European Economic Area (EEA), and in this section of
our Privacy Policy we are going to explain exactly how and why is this data collected, and how we maintain this data underprotection from being replicated or used in the wrong way.

What is GDPR?
GDPR is an EU-wide privacy and data protection law that regulates how EU residents' data is protected by companies andenhances the control the EU residents have, over their personal data.
The GDPR is relevant to any globally operating company and not just the EU-based businesses and EU residents. Our
customers’ data is important irrespective of where they are located, which is why we have implemented GDPR controls as ourbaseline standard for all our operations worldwide.

What is personal data?
Any data that relates to an identifiable or identified individual. GDPR covers a broad spectrum of information that could be usedon its own, or in combination with other pieces of information, to identify a person. Personal data extends beyond a person’sname or email address. Some examples include financial information, political opinions, genetic data, biometric data, IP
addresses, physical address, sexual orientation, and ethnicity.
The Data Protection Principles include requirements such as:● Personal data collected must be processed in a fair, legal, and transparent way and should only be used in a way that aperson would reasonably expect.
● Personal data should only be collected to fulfil a specific purpose and it should only be used for that purpose.

Organizations must specify why they need the personal data when they collect it.
● Personal data should be held no longer than necessary to fulfil its purpose.
● People covered by the GDPR have the right to access their own personal data. They can also request a copy of their data,

and that their data be updated, deleted, restricted, or moved to another organization.

Why is GDPR important?
GDPR adds some new requirements regarding how companies should protect individuals' personal data that they collect andprocess. It also raises the stakes for compliance by increasing enforcement and imposing greater fines for breach. Beyond
these facts it's simply the right thing to do. At A2 Finance we strongly believe that your data privacy is very important and wealready have solid security and privacy practices in place that go beyond the requirements of this new regulation.

Individual Data Subject's Rights - Data Access,Portability and Deletion
We are committed to helping our customers meet the data subject rights requirements of GDPR. A2 Finance processes orstores all personal data in fully vetted, DPA compliant vendors. We do store all conversation and personal data for up to 6 years
unless your account is deleted. In which case, we dispose of all data in accordance with our Terms of Service and Privacy
Policy, but we will not hold it longer than 60 days.
We are aware that if you are working with EU customers, you need to be able to provide them with the ability to access, update,retrieve and remove personal data. We got you! We've been set up as self service from the start and have always given you
access to your data and your customers data. Our customer support team is here for you to answer any questions you might
have about working with the API.

California Residents
The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we
use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which
we have explained above.
We are also required to communicate information about rights California residents have under California law. You may exercise
the following rights:● Right to Know and Access. You may submit a verifiable request for information regarding the: (1) categories of Personal

Information we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used byus; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information
we have collected about you.
● Right to Equal Service. We will not discriminate against you if you exercise your privacy rights.
● Right to Delete. You may submit a verifiable request to close your account and we will delete Personal Information about
you that we have collected.
● Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contactus.
We do not sell the Personal Information of our users.
For more information about these rights, please contact us.

California Online Privacy Protection Act (CalOPPA)CalOPPA requires us to disclose categories of Personal Information we collect and how we use it, the categories of sourcesfrom whom we collect Personal Information, and the third parties with whom we share it, which we have explained above.
CalOPPA users have the following rights:● Right to Know and Access. You may submit a verifiable request for information regarding the: (1) categories of Personal

Information we collect, use, or share; (2) purposes for which categories of Personal Information are collected or used byus; (3) categories of sources from which we collect Personal Information; and (4) specific pieces of Personal Information
we have collected about you.
● Right to Equal Service. We will not discriminate against you if you exercise your privacy rights.

● Right to Delete. You may submit a verifiable request to close your account and we will delete Personal Information about

you that we have collected.
● Right to request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contactus.
We do not sell the Personal Information of our users.
For more information about these rights, please contact us.

Contact Us
Don't hesitate to contact us if you have any questions.

Powered by TCPDF (www.tcpdf.org)● Via Email: info@a2-finance.com● Via Phone Number: +79522379515