TABLE OF CONTENTS

1. What Information Do We Gather?
2. How Do We Process Your Information?
3. When and With Whom Do We Share Your Personal Information?
4. Do We Use Cookies and Other Tracking Technologies?
5. Do We Offer Artificial Intelligence-Based Products?
6. How Long Do We Keep Your Information?
7. How Do We Keep Your Information Safe?
8. Do We Collect Information From Minors?
9. What Are Your Privacy Rights?
10. Controls for Do-Not-Track Features
11. Do United States Residents Have Specific Privacy Rights?
12. Do We Make Updates to This Policy?
13. How Can You Contact Us About This Policy?
14. How Can You Review, Update, or Delete the Data We Collect From You?

1. WHAT INFORMATION DO WE GATHER?

Personal Information You Provide to Us

Summary: We gather personal data that you share with us.

We collect the personal information you voluntarily choose to provide when you register for our Services, show interest in about us, our products and Services, participate in activities on our platform, or reach out to us in any other way.

Personal Information Provided by You: The specific personal information we collect depends on your interactions with us and the Services, the choices you make, and the products or services and features you use. The personal information we may gather include:

• Names
• Phone numbers
• Email addresses
• Mailing addresses
• Usernames
• Passwords
• Contact preferences
• Billing addresses
• Debit/credit card numbers
• Job titles
• Contact or authentication data

Sensitive Information: When necessary and with your consent or as allowed by applicable law, we may process the following categories of sensitive information:

• Financial data
• Biometric data
• Information about a person’s sexual life or orientation
• Creditworthiness data
• Social security numbers or other government identifiers
• Student data

Payment Data: If you choose to make purchases, we may collect data required to process your payment, such as your payment instrument number and the security code associated with it. All payment data is managed by [ ___________ ]. You can view their privacy policy [ ____ ].

Application Data: If you use our application(s), we may collect additional information (mentioned below) if you provide us access or permission, such as:

• Geolocation Information: We may request permission to access your mobile device’s location data to provide certain location-based services. If you choose to modify our access or permissions, you can do so in your device settings.
• Mobile Device Access: We might request access to specific features on your mobile device, such as Bluetooth, calendar, camera, contacts, microphone, reminders, sensors, SMS messages, storage, and others. You can change the permissions you accept or reject in your device’s settings.
• Mobile Device Data: We automatically collect data about your device, including your mobile device ID, model, manufacturer, operating system, version information, system configuration, browser type and version, device and application identification numbers, hardware model, Internet service provider, and/or mobile carrier, and IP address (or proxy server). If you use our application(s), we might also gather details about the phone network linked to your mobile device, your device’s OS or platform, the type of mobile device you use, your mobile device’s unique device ID, and information about the features of our application(s) you accessed.
• Push Notifications: Regarding your account or certain features, we may ask to send you push notifications. You have the choice to opt out of these communications by adjusting your device’s settings.

This information is crucial for maintaining the security and functionality of our application(s), troubleshooting issues, and conducting internal analytics and reporting.

All personal information you provide to us should be true, complete, and accurate. You are required to notify us if any changes are made to your personal information.

Information Automatically Collected

Summary: Some data, like your IP address and/or browser and device characteristics, is collected automatically when you interact with our Services.

When you visit, use, or navigate our Services, we automatically collect certain information. While this information doesn’t reveal your identity (such as your name or contact details), it may include device and usage data, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, and details about how and when you use our Services. This data is primarily used to ensure the security and operation of our Services and for internal analytics and reporting purposes.

Like many other businesses, we also collect information through cookies and similar technologies.

The information we gather includes:

• Log and Usage Data: This data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and this data is also recorded in log files. Depending on your interactions with us, this data may include your IP address, device information, browser type, and settings, as well as details about your activity in the Services (such as the date/time stamps of your usage, pages and files viewed, searches, and other actions you take, like which features you use), device event information (like system activity, error reports (sometimes called "crash dumps"), and hardware settings).
• Device Data: We collect data about the computer, phone, tablet, or other device you use to access the Services. Depending on the device, this data may include details such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, OS information and also system configuration data.
• Location Data: We gather location data about your device, which may be precise or imprecise. The amount of information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data indicating your current location (based on your IP address). You can opt out of allowing us to collect this information by refusing access to it or by disabling the Location setting on your device. However, if you choose to opt out, some aspects of the Services may not be available to you.

Google API: Our use of data received from Google APIs will comply with the Google API Services User Data Policy, including the Limited Use requirements.

Information Collected from Other Sources

Summary: We may gather limited data from databases available publically, some marketing partners, and various other sources.

To improve our applicable marketing, services, and offers that we provide to you and to update our records, we may acquire information about our users from various sources including public databases, joint marketing partners, affiliate programs, data providers, and third parties for targeted advertising and event promotion. This information may include:

• Mailing addresses
• Job titles
• Email addresses
• Phone numbers
• Intent data (or user behavior data)
• IP addresses
• Custom profiles

2. HOW DO WE PROCESS YOUR INFORMATION?

Summary: We process your data to deliver, improve, and manage our Services, communicate with you, ensure security, prevent fraud, and comply with legal obligations. We may also process the information provided by you or collected automatically for various other purposes with your consent.

We process your personal information for many different reasons, based on on how you engage with our Services, such as:

• To facilitate account creation and authentication and manage user accounts: We may process your information to help you create and log in to your account and to keep your account functioning properly.
• To deliver and facilitate the delivery of services to the user: We may process your data to provide the services you have requested.
• To respond to user inquiries and offer support: We may process your information to respond to your questions and resolve any issues you may encounter with our services.
• To send you administrative information: We may process your data to send you details about our products, services, changes to our terms and policies, and other relevant information.
• To fulfill and manage your orders: We may process your data to manage your orders, payments, returns, and exchanges through our services.
• To enable user-to-user communications: We may process your information if you choose to use features that allow communication between users.
• To request feedback: We may process your information when needed to request feedback and to contact you about your use of our services.
• To send marketing and promotional communications: We may process the personal information you provide to send marketing messages, if this aligns with your preferences. You can unsubscribe from our marketing emails whenever you want. For more details, you can visit the section: "WHAT ARE YOUR PRIVACY RIGHTS?"
• To deliver targeted advertising: We may process your information to create and display personalized content and ads tailored to your interests, location, and more.
• To post testimonials: We post testimonials on our services that may include personal information.
• To protect our services: We may process your data as part of our efforts to maintain the security and integrity of our services, including monitoring for fraud.
• To administer prize draws and competitions: We may process your information to manage contests and prize draws.
• To evaluate and improve our services, products, marketing, and your experience: We may process your information when it’s necessary to identify usage trends, assess the success of our promotional campaigns, and enhance our services.
• To comply with legal obligations: We may process your information to meet legal obligations, such as cooperating with law enforcement or regulatory bodies, defending legal claims, or fulfilling our obligations related to a contract.
• To enforce our terms, conditions, and policies for business purposes: We may process your data to enforce our terms, conditions, and policies as necessary.
• To respond to legal requests and prevent harm: If we receive a legal request, we may need to inspect the data we hold to determine how to respond.
• For other business purposes: We may process your information for other business purposes, such as analyzing data, identifying usage trends, determining the effectiveness of our promotional campaigns, and evaluating and enhancing our products, services, marketing, and user experience.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

Summary: We may share your information under specific circumstances described in this section and/or with the following third parties.

When we use Google Maps Platform APIs: We may share your data with certain Google Maps Platform APIs, such as Google Maps API and Places API. We may collect and store your location data on your device ("cache"). You can withdraw your consent at any time by reaching out to us using the contact information provided at the end of this document.

Affiliates: We might share your information with our affiliates, requiring them to uphold this privacy policy. Affiliates include our parent company, subsidiaries, joint venture partners, or any other companies we control or are under common control with us.

Business Partners: We might share your information with our partners to deliver you certain products, services, and promotional deals and offers.

Offer Wall: Our application(s) may include a third-party hosted "offer wall." This offer wall allows third-party advertisers to provide virtual currency, gifts, or other incentives to users in exchange for completing an advertisement offer. This offer wall might appear in our application(s) and be shown to you based on data like your geographic location or demographic details. If you click on an offer wall, you will be redirected to an external site operated by third parties, and you will leave our application(s). A unique identifier, such as your user ID, will be shared with the offer wall provider to prevent fraud and correctly credit your account with the relevant reward.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Summary: We may use cookies and other tracking technologies to collect and store your data.

We may employ cookies and similar tracking technologies (such as web beacons and pixels) to gather information when you interact with our Services. These online tracking technologies assist us in maintaining the security of our Services and your account, preventing crashes, fixing bugs, saving your preferences, and aiding with basic site functions.

To the extent that these online tracking technologies are considered a "sale"/"sharing" (which includes targeted advertising as defined by applicable laws) under relevant U.S. state laws, you can opt out by submitting a request as detailed in the section "DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?" below.

For more specific details on how we use these technologies and how you can refuse certain cookies, please refer to our Cookie policy.

Google Analytics

We may share your data with Google Analytics to monitor and analyze the use of the Services. The Google Analytics Advertising Features we might use include Google Analytics Demographics and Interests Reporting. To opt out of getting tracked by Google Analytics when using our Services, you can visit Google Analytics Opt-Out. You can also opt out of Google Analytics Advertising Features through Ads Settings and Ad Settings for mobile apps, or by visiting Network Advertising Opt-Out and Mobile Choice. For further details on Google's privacy practices, visit the Google Privacy & Terms page.

5. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

In Short: We provide products, features, or tools powered by technologies such as artificial intelligence (AI), machine learning (ML), and more.

Our Services include products, features, or tools powered by artificial intelligence, machine learning, or related technologies (collectively referred to as "AI Products"). These tools are meant to improve your experience and deliver innovative solutions. The terms outlined in this privacy policy govern your use of the AI Products within our Services.

Our AI Products

Our AI Products are designed for functions such as providing AI insights.

How We Process Your Data Using AI

All personal data processed using our AI Products is managed in accordance with our privacy policy and agreements with third parties. This ensures your personal data is handled with high security, providing you with peace of mind about the safety of your information.

6. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We retain your information for the necessary duration for the purposes mentioned in this privacy policy unless a longer retention period for information is legally required.

We will retain your personal data only for as long as necessary to achieve the purposes outlined in this privacy policy, unless a longer retention period is mandated or permitted by law (such as tax, accounting, or other legal purposes). No purpose outlined in this policy will require us to retain your personal data for longer than the period during which you maintain an account with us.

When we no longer have a legitimate business need to process your personal information, we will either delete or anonymize it. If this is not possible (for instance, if your personal data has been stored in backup archives), we will securely store your personal information and isolate it from further processing until deletion is possible.

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

Summary: We strive to protect your personal information through a combination of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to safeguard the personal information we process. However, despite our efforts and the measures we take to secure your data, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure. Therefore, we cannot guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to breach our security and improperly access, steal, or modify your data. Although we do our utmost to protect your personal information, the transmission of data to and from our Services is at your own risk. You should access and use our Services only within a secure environment.

8. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to minors (children under 18 years of age).

We do not knowingly collect or solicit data from, or market to, children under 18 years of age. Nor do we knowingly sell personal information related to children under this age. By using the Services, you affirm that you are at least 18 years old, or that you are the parent or guardian of a minor under 18, and consent to their use of the Services. If we discover that we have collected personal data from users under 18, we will deactivate the account and take appropriate steps to promptly delete such information from our records. If you become aware of any data we may have collected from children under 18, please contact us at support@afnocorp.com or support@pocketnest.com.

9. WHAT ARE YOUR PRIVACY RIGHTS?

Summary: You may review, modify, or terminate your account whenever you want, based on your country, province, or state of residence.

Withdrawing your consent: If our processing of your personal information is based on your consent, whether express or implied depending on the applicable law, you have the right to withdraw that consent at any time. You can do withdraw your consent by reaching out to us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS POLICY?" below.

Please note, however, that withdrawing your consent will not affect the lawfulness of any processing carried out before your withdrawal, nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent, where permitted by applicable law.

Opting out of marketing and promotional communications: Reply "STOP" or "UNSUBSCRIBE" to SMS messages, or reach out to us by using the information shared in the section "HOW CAN YOU CONTACT US ABOUT THIS POLICY?" to opt out of our marketing and promotional communications at any time by clicking the unsubscribe link in the emails we send. You will then be removed from our marketing lists, although we may still communicate with you for non-marketing purposes, such as service-related messages necessary for use and account administration or to respond to your requests.

Account Information

If you would like to review or change the information in your account or terminate your account at any time, you can do so by contacting us using the provided contact information.

Once you request to terminate your account, we will deactivate or delete your account and information from our active databases. However, some of the information may still remain in our files to prevent fraud, troubleshoot issues, assist with investigations, enforce our legal terms, and/or comply with applicable legal requirements.

Cookies and similar technologies: Most web browsers accept cookies by default. However, if you prefer, you can usually choose to set your browser to remove cookies or reject them. If you decide to remove or reject cookies, it could impact certain features or functionalities of our Services.

If you have any questions or comments regarding your privacy rights, you can email us at support@afnocorp.com or support@pocketnest.com.

10. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. As of now, there is no uniform technology or standard to identify and implement DNT signals. Therefore, as of now, we do not respond to DNT browser signals or any other mechanism that automatically communicates your choice of “Do Not Track” online. Should a standard for online tracking be adopted that we must follow in the future, we will inform you about that practice in an updated version of this privacy policy.

California law mandates us to let you know how we handle web browser DNT signals. Since there is currently no industry or legal standard to recognize or honor DNT signals, we do not respond to them at this time.

12. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

Summary: If you a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Montana, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have specific rights regarding your personal information. These rights may include requesting access to, receiving details about, correcting inaccuracies in, obtaining a copy of, or deleting the personal information we maintain about you. Additionally, you may have the right to withdraw your consent to our processing of your personal data. Some of these rights may be restricted by applicable laws in some circumstances. Further details are provided below.

Categories of Personal Information We Collect

We gather sensitive personal information only as defined by applicable privacy laws, and only for purposes allowed by law or with your consent. This sensitive personal information may be used or disclosed to a service provider or contractor for specific additional purposes. You may also have the right to restrict the use or disclosure of your sensitive personal information.

In addition to these categories, we may collect other personal information when you interact with us in person, online, by phone, or by mail, particularly in the context of:

• Receiving support through our customer service channels.
• Participating in customer surveys or contests.
• Assisting in the delivery of our services and responding to inquiries.

We will use and retain the collected personal information for the duration required to provide the Services or for:

• Category A: For as long as you maintain an account with us;
• Category B: For as long as you maintain an account with us;
• Category C: For as long as you maintain an account with us;
• Category D: For as long as you maintain an account with us;
• Category E: For as long as you maintain an account with us;
• Category F: For as long as you maintain an account with us;
• Category G: For as long as you maintain an account with us;
• Category I: For as long as you maintain an account with us;
• Category K: For as long as you maintain an account with us;
• Category L: For as long as you maintain an account with us;

Sources of Personal Information

To learn more about the sources from which we collect personal information, please refer to the section "WHAT INFORMATION DO WE COLLECT?"

How We Use and Share Personal Information

Details on how we utilize your personal information can be found in the section "HOW DO WE PROCESS YOUR INFORMATION?"

Will Your Information Be Shared With Anyone Else?

We may share your personal information with our service providers, as outlined in a written agreement between us and each service provider. More information on this can be found in the section "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?"

We may also use your personal information for internal business purposes, such as conducting research for technological development and demonstration. This is not deemed a "sale" of your personal information.

In the past twelve (12) months, we have not disclosed, sold, or shared any personal data or information with third parties for business or commercial gains. In the future, we will not sell or share personal information belonging to website visitors, users, or other consumers.

Your Rights

Under specific US state data protection laws, you have certain rights related to personal data. However, these rights are not absolute, and in some circumstances, we may not accept your request as allowed legally. These rights include:

• The right to know whether we are processing your personal data;
• The right to access your personal data;
• The right to correct inaccuracies in your personal data;
• The right to request the deletion of your personal data;
• The right to obtain a copy of the personal data you previously shared with us;
• The right to non-discrimination for exercising your rights;
• The right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California’s privacy law), the sale of personal data, or profiling that results in decisions with legal or similar significant effects ("profiling").

Depending on your state of residence, you may also have the following rights:

• The right to obtain a list of categories of third parties to whom we have disclosed personal data (as allowed by applicable law, such as California's and Delaware's privacy law);
• The right to obtain a list of specific third parties to whom we have disclosed personal data (as allowed by applicable law, such as Oregon’s privacy law);
• The right to limit the use and disclosure of sensitive personal data (as permitted by applicable law, such as California’s privacy law);
• The right to opt out of the collection of sensitive data and personal data through the use of voice or facial recognition features (as allowed by applicable law, such as Florida’s privacy law).

How to Exercise Your Rights

To exercise your rights, you can submit a data subject access request by emailing us at support@afnocorp.com or support@pocketnest.com, visiting https://budzet.io/contact, or using the contact information provided at the end of this document.

If you enable the Global Privacy Control (GPC) opt-out signal on your browser, we will honor your opt-out preferences.

Under certain US state data protection laws, you can appoint an authorized agent to make a request on your behalf. We may deny a request from an authorized agent who does not provide proof that they have been validly authorized to act on your behalf, in accordance with applicable laws.

Request Verification

Upon receiving your request, we may need to verify your identity to confirm that you are the individual whose information is in our system. We will use personal information provided in your request solely to verify your identity or authority to make the request. If we cannot verify your identity with the information we already maintain, we may ask you to provide additional information for verification purposes and for security or fraud prevention.

If a request is submitted by an authorized agent, we may require additional information to verify your identity. The agent must provide written and signed permission from you, authorizing them to submit the request on your behalf.

Appeals

Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at support@afnocorp.com or support@pocketnest.com. We will tell you of any action taken or not taken in writing in response to your appeal. This includes a written explanation with the reasons for the decisions we take. You may also file a complaint with your state attorney general if your appeal is denied.

California "Shine The Light" Law

California Civil Code Section 1798.83, also known as the "Shine The Light" law, allows California residents to request and receive, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with whom we shared personal information in the previous calendar year. If you are a California resident and wish to make such a request, please submit it in writing using the contact information provided in the section "HOW CAN YOU CONTACT US ABOUT THIS POLICY?"

13. DO WE MAKE UPDATES TO THIS POLICY?

In Short: Yes, we will update this policy as necessary to remain in compliance with relevant laws.

We may periodically update this privacy policy. The updated version will be indicated by a revised date at the top of this policy. If we make significant changes to this policy, we may notify you either by posting a prominent policy or by directly sending you a notification. We encourage you to review this privacy policy frequently to stay informed about how we protect your information.

14. HOW CAN YOU CONTACT US ABOUT THIS POLICY?

If you have any questions or comments about this policy, you can email us at

support@afnocorp.com or support@pocketnest.com or contact us by mail at:

Afno Financial Holdings Corporation
1612 Coastal Hwy
Lewes, DE 19958
United States

15. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Depending on the laws of your country or state of residence in the US, you may have the right to request access to, review, correct, or delete the personal data we gather from you and details about how we processed it. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited by applicable law in certain scenarios. To request to review, update, or delete your personal information, please submit a data subject access request.