OBOLX is committed to the protection of personal information. As part of this commitment, we have prepared this Privacy Policy to describe the manner in which OBOLX inc. and its affiliated companies (collectively, “OBOLX”, “we”,“us” or “our”) collect, use, disclose and otherwise manage information about you (“Personal Information”) in connection with your access to and use of our Services (as defined in our Terms of Use) including through (the “Website”) and through other interactions with us.
OBOLX may provide third party content or links to third-party web sites or applications. When you leave our Services or interact with a third-party feature, you should read the applicable third party’s privacy policies and terms of service to make sure you understand how they might collect and share information about you.

We do not share your information with third parties and we do not share your Personal Information with third parties for their advertising or marketing lists without your consent.

If you do not agree with any term in this Privacy Policy, please do not provide us your information or use our Website or Services.

The ways we collect information about you include:
● information you give us
● information we collect about you based on your use of our Services

You may give us information about you when you use our Services or by communicating with us. This includes information you provide when you create an account to use our Services, answer specific questions throughvarious forms, provide us with feedback, participate in surveys, contests or promotions and when you contact us with a question or to report a problem.The information you give us may include your name, contact information (suchas mailing address and email address), date of birth, income, information about your rent or mortgage payments, credit-related information, your financial goals, health information and referral sources. We may also collect additional information as otherwise described to you at the point of collection or pursuant to your consent.

Each time you visit our Website or we may automatically collect certain information about how you access and interact with our Services. We and third parties may use various technologies to collect, use and store this information. These may include cookies, browser web storage, web beacons and similar technologies. The information we may automatically collect includes the following: Website Information, Information about your visit,
Locators (URL) clickstream to, through and from our website(including date and time); products you viewed or searched for;page response times, download errors, length of visits to certainpages, page interaction information (such as scrolling, clicks, andmouse-overs), and methods used to browse away from the pageTechnical information, including the Internet protocol (IP) address, device information, device operations, your login information, browser type and version, time zone setting, operating system and platform Location information, including your internet protocol (IP) address or other device information or information about your visit to estimate your location (e.g., your city or province). You may control or disable the sharing of location Information via your device settings.
● We may also request to use location-enabled services on your device(which typically provide GPS or Wi-Fi access point details) to enhanceour Services. We will only use these location-enabled services on your device with your consent.
● See Cookies and Interest-Based Advertising below for more information

Some examples of how we use the information we collect may include, but are not limited to, the following:
● providing you with our Services
● managing your account and relationship with us and to, communicate with you by telephone, mail, email, text (SMS) message or other electronic means about your account
● verifying your identity as part of our identity authentication process andother information you have provided to us
● providing you with information, products and Services
● notifying you about changes to our Services
● ensuring that content from our Website presented in the most effectivemanner for you and your device
● aggregating it on an anonymous basis with other data for data analysisand reporting purposes
● responding to your inquiries about our Website and our Services
● meeting legal and regulatory requirements
● detecting and preventing fraud and other unauthorized or illegalactivities
● as otherwise permitted or required by applicable law.

If you have provided your consent, we may provide you with information about OBOLX or other products and services we feel may interest you or be best for you based on information we have about you (including emails, text messages, and notifications).
You can opt-out any time by contacting us as set out under Contact Us below, or by taking the following steps:
● You can opt-out of receiving marketing emails at any time by clicking onthe unsubscribe link included in our marketing email communications.Please note that you may continue to receive certain transactional oraccount-related emails from us.
● To opt-out of receiving push notifications, you can manage your notification preferences within Your Account Settings
● To opt-out of receiving push notifications on your mobile device, you can adjust your settings in your mobile device.

We will not disclose, trade, rent, sell or otherwise transfer your Personal Information, without your consent, except as otherwise set out herein. We use information we hold about you to provide our Services to you and improve those services, manage your account and communicate with you and to use information on an anonymous basis for research, profiling and analytical purposes.
Legal/Compliance : OBOLX and its affiliates and Canadian, US and other service providers may provide your Personal Information in response to a search warrant or other legally valid inquiry or order (which may include lawful access by Canadian, US or other foreign governmental authorities, courts or law enforcement agencies), to other organizations in the case of investigating a breach of an agreement or contravention of law or detecting, suppressing or preventing fraud or as otherwise required or permitted by applicable Canadian, US or other law. Your Personal Information may also be disclosed where necessary for the establishment, exercise or defence of legal claims and to investigate or prevent actual or suspect loss or harm to persons or property.
Sale of Business : Personal Information may be transferred as an asset inconnection with a prospective or completed merger or sale (including transfersmade as part of insolvency or bankruptcy proceedings) involving all or part of OBOLX or as part of a corporate reorganization or stock sale or other changein corporate control.

Visiting our Website In general, you can visit the Website without telling us who you are or submitting any Personal Information. However, we and/or our serviceproviders to collect IP (Internet protocol) addresses from all visitors to the Website and other related information such as page requests, browser type, operating system and average time spent on our Website. This information isused to help us understand our Website activity, and to monitor and improvethe Website.
Cookies, Tracer Tags & Web BeaconsOur Website uses a technology called “cookies”. A cookie is a tiny element of data that our Website sends to a user’s browser, which may then be stored on the user’s hard drive so that we can recognize the user’s computer or device when they return. Cookies may provide us and our service providers with information that we will use to personalize our Website in accordance with a user’s preferences. You may set your Web browser to notify you when you receive a cookie or to not accept certain cookies.However, if you decide not to accept cookies from our Website, you may not be able to take advantage of all of the features of our Website.
We may use a third party such as Google Analytics to help us gather and analyze information about the areas visited on the Website (such as the pages most read, time spent, search terms and other engagement data) in order to evaluate and improve the user experience and the Website. For moreinformation or to opt-out using the Google Analytics opt-out browser add-on, see “How Google uses data when you use our partners’ sites or apps” and“Google Analytics and Privacy”.
Our Website may also use a technology called “tracer tags” or “WebBeacons”. This technology allows us to understand which pages you visit onour Website. These tracer tags are used to help us optimize andtailor our Website for you and other future visitors to our Website.
Interest-Based Advertising We work with third-parties such as ad networks and other advertising companies that use their own tracking technologies (including cookies and pixel tags) on our Website in order to provide you with tailored advertisements across the Internet. These companies may collect information about your activity on our Website and third-party websites (such as web pagesyou visit and your interaction with our advertising and other communications)and use this information to make predictions about your preferences, develop personalized content and deliver ads that are more relevant to you on third party websites. This information may also be used to evaluate our online advertising campaigns.
Opting-out of Interest-Based Advertising: For more information about interest-based advertising and to understand your options, including how you can opt-out of receiving behavioural ads from third-party advertisingcompanies participating in the Digital Advertising Alliance of Canada, pleasevisit the Digital Advertising Alliance of Canada website at .
Please note that even if you opt-out of interest-based advertising by a third party, these tracking technologies may still collect data for other purposes including analytics and you will still see ads from us, but the ads will not be targeted based on behavioural information about you and may, therefore, be less relevant to you and your interests.
To successfully opt out, you must have cookies enabled in your web browser(see your browser’s instructions for information on cookies and how to enablethem). Your opt-out only applies to the web browser you use so you must opt-out of each web browser on each computer you use. Once you opt out, ifyou delete your browser’s saved cookies, you will need to opt-out again.
Third Party LinksOur Website may contain links to other sites that we do not own or operate,including social media websites. Also, links to our Website may be featured on third party websites on which we advertise. Except as provided herein, we will not provide any of your Personal Information to these third parties without your consent. We provide links to third party websites as a convenience to theuser. These links are not intended as an endorsement of or referral to thelinked websites. The linked websites have separate and independent privacy statements, notices and terms of use, which we recommend you readcarefully. We do not have any control over such websites, and therefore we have no responsibility or liability for the manner in which the organizations that operate such linked websites may collect, use or disclose, secure and otherwise treat your Personal Information.

We maintain your Personal Information on a confidential basis on servers located in Canada and the United States. We have implemented reasonable administrative, technical and physical measures in an effort to safeguard the Personal Information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. We restrict access to your Personal Information on a need-to-know basis to employees and authorized service providers who require access to fulfil their job requirements.

We have Personal Information retention processes designed to retain Personal Information of our customers for no longer than necessary for thepurposes stated above or to otherwise meet legal requirements (which may extend beyond the end of your relationship with us).

You have the right to access, update, and correct inaccuracies in your Personal Information in our custody and control, subject to certain exceptions prescribed by law. You may request access, updating and corrections ofinaccuracies in Personal Information we have in our custody or control by emailing or writing to us at the contact information set out below. You may also update certain contact information through our Website. We may request certain Personal Information for the purposes of verifying the identity of theindividual seeking access to their Personal Information records.

This Privacy Policy may be updated periodically to reflect changes to ourPersonal Information practices. We will post the updated Privacy Policy on ourwebsite. Your Personal Information will be treated in accordance with the Privacy Policy in place at the time your Personal Information was collectedunless you otherwise consent.

Please contact us if:
● you have any questions or comments about this Privacy Policy,
● you wish to access, update, and/or correct inaccuracies in your Personal Information, or
● you otherwise have a question or complaint about the manner in whichwe or our service providers treat your Personal Information.
You may contact us by email at privacy[obolx]com