PRIVACY POLICY

EFFECTIVE DATE: 15 February 2022

This website, www.Mattercash.com (the “Website”), is owned and operated by Mattercash Inc.

We always want our policies to be clear and easy to understand, so this policy offers a simple breakdown of how we manage your personal information in connection with the Website and the services. This policy is incorporated into the Mattercash Client Agreement and the Mattercash Terms of Service (for existing clients of Mattercash).

By using our website, using or applying for a Mattercash Precious Metals Holding, you are consenting to being bound by this Privacy Policy.

This policy sets out:

• What information we collect and why we collect it.
• How we use that information and how we secure it.
• Any third parties with access to it and use of cookies.
• The choices you have regarding the use of your personal information.

We have tried to keep it as simple as possible, but if you’re not familiar with terms like cookies, IP addresses, and browsers, then read about these key terms first. Your privacy matters to Mattercash so, whether you are new to Mattercash or a long-time user, please do take the time to get to know our practices and, if you have any questions, please contact us at questions@Mattercash.com.

WHAT WE COLLECT

1. Depending on the type of Mattercash Services you use, the information we collect about you may include:

Contact information (such as your name, email and postal addresses, telephone number, and country of residence) that you provide by completing forms on the Website, by telephone, or through a paper application form.

Information permitting us to offer the Mattercash Services to you, including details relating to your personal bank accounts or virtual currency wallet, details allowing us to prevent and detect money laundering and terrorist financing activities, copies of your current valid government-issued photo identification, and/or such other identifying and verifying information as we require from time to time in our discretion, and credit bureau information about you for purposes of confirming your identity under applicable “know-your-client” rules.

• Details about your finances that you provide to us or permit us to collect through third party service providers.
• Your login and password details.
• Details of any transactions you make through the Mattercash Services.
• Information about your activity on the Website, such as your IP address, the pages you have visited and the device or browser you use.
• Information provided via your mobile devices, such as your location, phone ID, mobile username, password, contacts, location.
• Communications with us (for example, when you ask for support, send us requests, questions, or comments, or report a problem, whether by mail, telephone, fax, online, or by any other means).
• Information that you submit through the Website, including in the form of comments, contributions to discussions, or messages to other users; and
• Demographic information.
• Geolocation information.
• Data mining and financial profiling.

2. When you opt in for our Newsletter, or marketing materials, we collect your email address and name.

3. As is true of most websites, but subject to your browser settings, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system.

We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.

HOW WE USE YOUR PERSONAL INFORMATION

1. We need to use the personal information described in section A to offer the Mattercash Services to you, including for the following purposes:

• Ascertaining whether to approve you for use of the Mattercash Services when you apply to use the Mattercash Services.
• Identifying you when you sign in to your Mattercash Holding or Mattercash Personal or Business Account.
• Processing transactions in your Mattercash Holding or Mattercash Personal or Business Account, and communicating with recognized counterparties, bullion-dealers, bullion-banks, and vault operators in respect of the Mattercash Services.
• Administering your Mattercash Holding or Mattercash Personal or Business Account, understanding your needs as a client, and monitoring your satisfaction with the Mattercash Services.
• Contacting you about the status of the Mattercash Services (for example, to inform you of changes to or the termination of particular Mattercash Services, or to respond to a question, comment or complaint);
• Complying with legal requirements, including those imposed by laws, regulations, court orders, and regulatory guidelines, policies and procedures, in the countries in which we operate, including tax, “know your client” and Anti-Money Laundering obligations, requirements applicable to Mattercash Inc as a Dealer in Precious Metals.
• Detection of suspicious transactions, including transactions involving fraud, money laundering or terrorist financing activities.
• Managing invoicing, accounting and information security services related to our transactions with you.
• Protecting against harm to the rights, property or safety of Mattercash, its clients, employees, service providers, or the public.
• Internal management purposes, including planning, resource allocation, policy development, quality improvement, compliance, monitoring, audit, evaluation, and reporting.
• Improving the Mattercash Services.
• Managing your communications preferences; and
• Maintaining ownership records.

2. When you contact Mattercash, we may keep a record of your communication to assist us and you in ensuring that you get the best from our services.

3. You can contact us at any time to:

• Request information that Mattercash has about you.
• Correct any information Mattercash has about you.

Please contact us at privacy@Mattercash.com with any questions relating to your information that we control.

HOW WE SHARE YOUR PERSONAL INFORMATION

1. From time to time, we engage unaffiliated third parties and their affiliates, agents, and subcontractors (“Service Providers”) to perform certain technological or administrative services in connection with the Mattercash Services. For example, a Service Provider may be asked to serve as a Vault Operator, operate a Verification Network, process transactions, provide credit reports or assessments, verify customer identities, detect suspicious transactions, perform security services, and manage or audit our operations. In some cases, a Service Provider will be collecting your personal information from other sources on our behalf to fulfil the purposes set out in section B. We also may use a Service Provider to host and administer one or more of our websites, process and store data, and fulfil similar technology-related functions on our behalf. In these circumstances, the personal information that the Service Provider receives is limited to the personal information needed to render their service to us.

2. In certain cases, we may also share some of the personal information we collect with carefully selected business partners, who are first required to sign an agreement that obligates them to keep the information confidential and secure and prohibits them from using it for unauthorized purposes.

3. We may disclose personal information without notice to you if a law, regulation, search warrant, subpoena, court order, or regulatory notice permits or requires us to do so. We may also disclose personal information without notice to you to prevent fraud or abuse, or to protect the rights, property or personal safety of Mattercash, its customers, employees, service providers, or the public.

4. For clients with a Mattercash Precious Metals Holding Accounts, the data controller is based in the United States. By signing up for Mattercash Services, you agree to the data controllers sharing information with each other. Should you not consent to such disclosures between, please do not utilize Mattercash Services.

5. Mattercash will treat as confidential all information it holds in relation to a client where that information is not in the public domain. Subject to this clause, Mattercash will not disclose such confidential information to third parties.

6. Mattercash will share your personal information with third parties only in the ways that are described in this Privacy Policy. We will not sell, rent, loan, trade, or lease any of your personal information collected, including application forms, financial data, or email addresses. Mattercash may ask for your permission by email to disclose your personal data to service providers not affiliated with Mattercash, but you have the right to refuse.

7. Mattercash may provide your personal information to companies that provide services to help us with our business activities such as emailing newsletters or offering client service. These companies are authorized to use your personal information only as necessary to provide these services to us.

8. Mattercash may share aggregated, non-personally identifiable information publicly and with our partners – like publishers, advertisers or connected sites. For example, we may share information publicly to show trends or publish market research.

9. We will disclose otherwise confidential personal data and confidential information if we are compelled to do so by laws and regulations applicable to us and/or our agents.

HOW WE COMMUNICATE WITH YOU

1. Communications between you and Mattercash may be conducted by mail or by telephone, fax, online, text message, or by other electronic means. Any instructions that you give to us in any such manner will have the same legal effect as if you gave them to us in original written form. You agree that all telephone calls and electronic communications may be recorded and kept by us as a record of your instructions. You also agree that we may contact you electronically in response to a request, inquiry, or complaint, as otherwise solicited by you, or as permitted or required by law.

2. We may also communicate with you from time to time electronically about news, promotions, special offers and other information from Mattercash, regarding either Mattercash or its selected partners. If you wish to unsubscribe to marketing emails from Mattercash please contact marketing@Mattercash.com. We will strive to honor your request as soon as possible, and in any event within the next ten business days. Please note, however, that this request will apply only to marketing emails and not to certain account-based information emails sent to our account holders. We are not responsible for any additional information you provide directly to these partners, and we encourage you to become familiar with their privacy and security practices and policies before disclosing information to them.

INFORMATION STORAGE AND RETENTION

1. When Mattercash processes or stores your personal information we will, in addition to complying with all applicable laws and regulations in that authority, comply with this Privacy Policy. Employees or consultants may also process your information. By submitting your personal data, you agree to this processing, storing, and transfer.

2. We will retain your information for as long as you have an open Mattercash Holding or Mattercash Personal or Business Account or as is needed to provide you Mattercash Services. If you wish to terminate Mattercash Services or request that we no longer use your information to provide you services, please contact us on privacy@Mattercash.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

3. The California Consumer Protection Act provides residents of California the right to request the deletion of their Personal information.

4. Requests related to personal information can be made by any means, including by email to privacy@Mattercash.com or by phone 1(800)669-2810 during business hours Pacific Standard Time.

COOKIES AND OTHER TRACKING TECHNOLOGIES

LOG FILES

1. You can visit our website without giving away your personal information. Mattercash uses Google Analytics and Cookies to improve our service, user experience, and analyze how you use the website. As is true of most websites, but subject to your browser settings, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, languages, device information date/time stamp, and clickstream data.

2. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site, and to gather demographic information about our user base.

3. We do not link this automatically collected data to personally identifiable information.

4. We reserve the right to use a third-party tracking service, Google Analytics, which uses cookies to track aggregate non-personally identifiable information about visitors to our site such as number of visits, searched pages and browser type to improve our website and client experience.

COOKIES

1. Cookies are small pieces of information which is stored in your computer’s memory when you visit a website. Mattercash uses cookies to recognize you as a repeat visitor, to identify your browser type, to keep track of online patterns and preferences to better understand you as a customer, and to improve the quality of the Website and Mattercash Services. When you enter our website, our servers (or those of our Service Providers) will recognize your computer but not who is using it. However, by associating the identification numbers in the cookies with other customer information when, for example, you log in to the Mattercash Services, we know that the cookie information relates to you.

It is always open to you to modify your web browser settings to prevent the placing of cookies or to notify you each time a cookie is set. The website www.allaboutcookies.org contains additional useful information on how to block or control cookies using different browsers. However, by blocking or deleting cookies used on the Mattercash Services, you may not be able to take full advantage of the Mattercash Services.

The Website and the Mattercash Services may allow you to interact with plugins from social media sites such as Facebook, Twitter, LinkedIn or Instagram. In such cases, there may be a flow of your personal information between Mattercash and such social media sites. Your use of these plugins is governed by each social media site’s privacy policy and not this privacy policy. We encourage you to become familiar with each social media site’s privacy and security practices and policies before enabling such plugins.

REMARKETING

1. Mattercash uses, through its Website, the Google AdWords and AdRoll Remarketing services to advertise on third party websites (including Google) to previous visitors to the Website. Google AdWords Remarketing is a remarketing and behavioral targeting service provided by Google. It connects activity on www.Mattercash.com with the AdWords advertising network.

2. Google AdWords Remarketing displays relevant advertisements to you based on pages of the Mattercash Website that you have viewed by placing a cookie on your computer. This cookie does not identify you or give us access to your computer. The cookie allows us to show you relevant advertisements across the Google Advertising Network based on your previous browsing of the Mattercash website.

3. Any data that we collect will be used in accordance with this Privacy Policy and Google’s privacy policy. You can opt out of Google AdWords Remarketing by visiting:

http://www.google.com/settings/ads

You can opt out of all third-party cookie advertising by visiting:

http://www.networkadvertising.org/choices

CHANGES TO THIS POLICY

It may become necessary to change the terms of this Privacy Policy from time to time. We reserve the right to change this Privacy Policy as necessary to comply with law or for legitimate business purposes. By continuing to use the Mattercash Services, you agree to be bound by the updates to this Privacy Policy. Please check back frequently; you will be able to see if changes have been made by looking at the top of the Privacy Policy for the date it was last updated. Last updated: 15 February 2022.