1. Privacy Policy
Mobile Wealth brand name Mobile Wealth are committed to safeguarding personal information. This Mobile Wealth brand name Mobile Wealth Privacy Policy relates to our use and collection of personal information relating to clients of the Product platforms, including directors, beneficial owners, principals, employees or consultants of our institutional clients and vendors (you/your). With respect to US clients, Mobile Wealth brand name Mobile Wealth is the data controller of your personal information processed under this Privacy Policy. With respect to non-US clients (including clients based within the European Economic Area (EEA)) is the data controller of your personal information processed under this Privacy Policy. This Mobile Wealth brand name Mobile Wealth Privacy Policy provides you with detail about how we use such personal information. We use commercially reasonable physical, electronic and procedural measures to protect people’s personal information in accordance with data protection legislative requirements. This Privacy Policy does not apply to anonymized data as it cannot be used to identify you.

Mobile Wealth brand name Mobile Wealth will not use your personal information for purposes other than those purposes we have disclosed to you in this Privacy Policy without your permission. By visiting, accessing or using Mobile Wealth brand name Mobile Wealth, you acknowledge that we use your personal information as set out in this Privacy Policy.

1.1. This Privacy Policy is intended to explain our privacy practices and covers the following areas:
• What personal information about you we may collect
• How we may use your personal information
• Whom we may disclose your personal information to
• Our use of automated decision-making
• How we protect your personal information
• How to contact us
• Your rights to prevent marketing and to access and update your personal information
• Our Cookies Policy
• How changes to this Privacy Policy and the Cookies Policy will be made

2. Information We May Collect About You
2.1. We may collect the following personal information from you when you open a White Rhino
Innovations, Inc. brand name Mobile Wealth Account:
• Contact Information: name, address, email address
• Account information: username and password
• Financial Information: bank and bank account numbers
• Identity Verification Information: date of birth, tax ID number, images of government issued
ID, passport, national ID or driving license
• Tax identification number
• Residence Verification Information: Utility bill details or similar information
• In addition, for institutional customers:
o Organizational Information: proof of legal existence, business licenses
o Identification Information for beneficial owners, principals and executive
management (as applicable)

2.2. We also automatically collect certain computer, device and browsing information when you access the Mobile Wealth brand name Mobile Wealth website:
• Computer or mobile device information, including IP address, operating system, browser type
• Website usage information
• Location information

2.3. We also may collect personal information about you (including your beneficial owners, principals and executive management, as applicable) from public databases and ID verification partners, including:
• public employment profile
• criminal history
• credit history
• status on any politically exposed person and sanctions lists
• address
• other information to help validate your identity

2.4. We also collect personal information disclosed by you when you contact us or respond to our communications (e.g., email, telephone, other writing).

2.5. We also collect the following personal information from your usage of our products and services:
• Account Information: information that is generated by your account activity, including, but not limited to, purchases and redemptions, deposits, withdrawals and account balances. When we require certain personal information from you, it is because we are required by applicable law to collect this information or it is relevant for specified purposes. We may not be able to serve you as effectively or offer you all of our services if you elect not to provide certain types of information.
3. Uses Made of Your Personal Information We may use your personal information in the ways listed below. If you are based in the European Economic Area (EEA), use of personal information under EU data protection laws must be justified under one of a number of legal “grounds” and we are required to set out the grounds in respect of each use in this policy. An explanation of the scope of the grounds available can be found in the table below. We note the grounds we use to justify each use of your information next to the use below. These are the principal legal grounds that justify our use of your personal information: Consent: where you have consented to our use of your information (you will have been presented with a consent form in relation to any such use) Contract performance: where your information is necessary to enter into or perform our contract with you.

Legal obligation: where we need to use your information to comply with our legal obligations.
Legitimate interests: where we use your information to achieve a legitimate interest and our reasons for using it outweigh any prejudice to your data protection rights. Legal claims: where your information is necessary for us to defend, prosecute or make a claim against you, us or a third party. There are the principal legal grounds that justify our use of your special categories of personal information. Legal claims: where your information is necessary for us to establish, defend, prosecute or make a claim against you, us or a third party. In the substantial public interest: Processing is necessary for reasons of substantial public interest, on the basis of EU or local law. Explicit consent: You have given your explicit consent to the processing of those personal information for one or more specified purposes. You are free to withdraw your consent by contacting us in as per section 6 below. If you do so, we may be unable to provide a service that requires the use of such data.
We may use your personal information for our core business purposes, including:
• To provide our services effectively to our clients and conduct our business ► to administer our services, including to carry out our obligations arising from any agreements entered into between our clients and us, which may include passing your data to third parties such as agents or contractors or to our advisors (e.g., legal, financial, business or other advisors). We may also use your personal information to develop our products and services, to evaluate new products and services and to improve our service quality, including by performing statistical analysis and reporting on transactions and site usage. In addition, we may use your personal information for financial reporting, management reporting, audit and record keeping purposes. Use justification: contract performance, legitimate interests (to enable us to perform our obligations and provide our services to you)
• To manage our risk ► We may use your personal information in managing the risk of our client base, including for assessing and processing applications, instructions or requests from you, maintaining credit and risk related models, managing our infrastructure and business operations and complying with internal policies and procedures and monitoring the use of our products and services. Use justification: contract performance, legitimate interests (to manage the risk of our client base and to ensure you fall within our acceptable risk profile). Where this includes special categories of personal information, we will usually rely on substantial public interests (processing for the prevention and detection of fraud/crime), or very rarely where necessary, explicit consent.
• To receive services from our vendors and conduct our business ► to receive services, including to carry out our obligations arising from any agreements entered into between our vendors and us, which may include passing your data to third parties such as agents or contractors or to our advisors (e.g., legal, financial, business or other advisors). This includes vendors that provide ID verification and sanctions tools, which we use to help verify your identity and comply with our legal obligations, such as anti-money laundering laws. ID verification partners use a combination of government records and publicly available information to verify identity. This also includes the financial institutions with which we partner to process payments you have authorized. Our contracts require these vendors to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else. Use justification: legal obligations, legitimate interests (to enable us to perform our obligations and receive services from vendors). Where this includes special categories of personal information, we will usually rely on substantial public interests (processing for the prevention and detection of fraud/crime), or very rarely where necessary, explicit consent.

• To verify your identity ► for the purposes of providing facilities, products or services, including conducting screenings or due diligence checks as may be required under applicable law, regulation, directive or our Terms and Conditions. For more information on the anti-fraud measures adopted by us, please see section 7 of this Privacy Policy. Use justification: legal obligation, contract performance, legitimate interests (to enable us to manager client risk). Where this includes special categories of personal information, we will usually rely on substantial public interests (processing for the prevention and detection of fraud/crime), or very rarely where necessary, explicit consent.

• In relation to fraud prevention ► We and other organizations may also access and use certain information to prevent fraud as may be required by applicable law and regulation and best practice at any given time. If false or inaccurate information is provided or fraud is identified or suspected, details may be passed to law enforcement and fraud prevention agencies and may be recorded by us or by them. In addition, we may share information with the financial institutions with which we partner to process payments you have authorized. Mobile Wealth brand name Mobile Wealth Trust Company may also share information with other financial institutions pursuant to Section 314(b) of the U.S. Patriot Act. For more information on the anti-fraud measures adopted by us, please see section 7 of this Privacy Policy. Use justification: legal obligations, legitimate interests (to ensure that your organization falls within our acceptable risk profile and to assist with the prevention of crime and fraud). Where this includes special categories of personal information, we will usually rely on substantial public interests (processing for the prevention and detection of fraud/crime), or very rarely where necessary, explicit consent.
• To reorganise or make changes to our business ► In the event that we are (i) subject to negotiations for the sale of our business or part thereof to a third party, (ii) sold to a third party or (iii) undergo a reorganization, we may need to transfer some or all of your personal information to the relevant third party (or its advisors) as part of any due diligence process or transferred to that reorganized entity or third party and used for the same purposes as set out in this policy or for the purpose of analysing any proposed sale or reorganization. Use justification: legitimate interests (in order to allow us to change our business)

• In connection with legal or regulatory obligations ► Law enforcement, regulators and the court service ► We may share your information with law enforcement, regulatory authorities, tax authorities (including the US Internal Revenue Service pursuant to the Foreign Account Tax Compliance Act, to the extent this applies), self-regulatory
• organizations (such as those that operate virtual currency derivative exchanges) and officials, or other third parties when we are compelled to do so by a subpoena, court order, or similar legal procedure, or when we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our Terms and Conditions or any other applicable policies. We may also use your personal information to otherwise comply with all applicable laws, regulations, rules, directives and orders. Use justification: legal obligations, legal claims, legitimate interests (to cooperate with law enforcement and regulatory authorities). Where this includes special categories of personal information, we will usually rely on legal claims, substantial public interests (processing for the prevention and detection of fraud/crime), or very rarely where necessary, explicit consent.
• In order to communicate with you ► We may use your personal information to communicate with you, including providing you with updates on changes to products, services and banking facilities (whether made available by us or through us) including any additions, expansions, suspensions and replacements of or to such products, services and banking facilities and their terms and conditions. Use justification: contract performance, legitimate interests (to enable us to perform our obligations and provide our services to you)
• In connection with disputes ► We may use your personal information to address or investigate any complaints, claims or disputes and to enforce obligations owed to us. Use justification: legal claims, contract performance, legitimate interests (to enforce our rights under our agreements with you). Where this includes special categories of personal information, we will usually rely on legal claims, or very rarely where necessary, explicit consent.
• For advertising ► Subject to applicable laws and regulations, we may use your personal information to inform our advertising and marketing strategy and to tailor our messaging to your needs. Where required by law, we will ask for your consent at the time we collect your data to conduct such marketing. An opt-out mechanism will be provided to you in each communication to enable you to exercise your right to opt out of any direct marketing. We never sell your information. You may withdraw this consent/opt-out at any time without affecting the lawfulness of processing based on your prior consent. Use justification: consent, legitimate interest (to keep you updated with news in relation to our products and services)
4. Automated Decision-Making Our operation of the Mobile Wealth brand name Mobile Wealth platforms relies on automated analysis of personal information provided by you, alongside that received from credit referencing agencies and fraud prevention agencies. For more information on the anti-fraud measures adopted by us, please see section 7 of this Privacy Policy.
We may use criteria such as your identifying information (e.g., your name, tax id number or date of birth) to validate your identity against public records on an automated basis or without human/manual intervention. We do this on the basis that it is necessary for us to enter into a contract with you. If you fail to meet these criteria, your application to use the Mobile Wealth brand name Mobile Wealth platform will be rejected. You may also request that we provide information about our methodology and ask us to verify that the automated decision has been made correctly. We may reject the request, as permitted by applicable law, including when providing the information would result in a disclosure of a trade secret or would interfere with the prevention or detection of fraud or other crime. However, generally in these circumstances we will verify (or request the relevant third party to verify) that the algorithm and source data are functioning as anticipated without error or bias.

5. Transmission, Storage and Security of Your Personal Information Security over the internet
5.1. No data transmission over the Internet or website can be guaranteed to be secure from intrusion.
However, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your personal information in accordance with data protection legislative requirements.
5.2. All information you provide to us is stored on our or our subcontractors’ secure servers and accessed and used subject to our security policies and standards. Where we have given you (or where you have chosen) a password that enables you to access certain parts of our websites, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone. Export outside the EEA (this section only applies if you are based in the EEA)
5.3. Your personal information may be accessed by staff or suppliers in, transferred to, and/or stored at, a destination outside the EEA in which data protection laws may be of a lower standard than in the EEA. Regardless of location or whether the person is an employee or contractor, we will impose the same data protection safeguards that we deploy inside the EEA.
5.4. Certain countries outside the EEA have been approved by the European Commission as providing essentially equivalent protections to EEA data protection laws and therefore no additional safeguards are required to export personal information to these jurisdictions. In countries that have not had these approvals, (see the full list here http://ec.europa.eu/justice/data-protection/internationaltransfers/adequacy/index_en.htm), we will either ask for your consent to the transfer or transfer it subject to European Commission approved contractual terms that impose equivalent data protection obligations directly on the recipient unless we are permitted under applicable data protection law to make such transfers without such formalities.
5.5. Please contact us as set out in section 6.4 below if you would like to see a copy of the specific
safeguards applied to the export of your personal information.

Storage limits

5.6. We will retain your personal information for as long as is necessary for the processing purpose(s)
for which they were collected and any other permitted linked purpose (for example certain transaction
details and correspondence may be retained until the time limit for claims in respect of the transaction
has expired or in order to comply with regulatory requirements regarding the retention of such data).
So, if information is used for two purposes, we will retain it until the purpose with the latest period
expires; but we will stop using it for the purpose with a shorter period once that period expires.
5.7. We restrict access to your personal information to those persons who need to use it for the relevant
purpose(s). Our retention periods are based on business needs, and your information that is no longer
needed is either irreversibly anonymised (and the anonymised information may be retained) or securely
destroyed. By way of example:
• use to perform a contract: in relation to your personal information used to perform any
contractual obligation to you, we may retain that personal information whilst the contract
remains in force plus a further period (depending on jurisdiction and other factors) to deal
with any queries or claims thereafter;
• copies of evidence obtained in relation to AML checks: in relation to your personal
information obtained in relation to AML checks, we may retain that personal information
whilst our client relationship remains in force plus a further 5 years to deal with any queries
or claims thereafter; and
• where claims are contemplated: in relation to any information where we reasonably
believe it will be necessary to defend or prosecute or make a claim against you, us or a
third party, we may retain that information for as long as that claim could be pursued.
Anonymity
5.8. STABLE COINS and other virtual currencies may not be fully anonymous as a result of the public
digital ledgers reflecting these currencies. Generally, anyone can view the balance and transaction
history of any public wallet address. We, and others who are able to can match your public wallet
address to other information about you, and also may be able to identify you from a blockchain
transaction. Furthermore, third parties may use data analytics to identify other information about you.
Please note that such third parties have their own privacy policies and that we do not accept any
responsibility or liability for their policies or processing of your personal information.

6. Your Rights & Contacting Us
Marketing
6.1. You have the right to ask us not to process your personal information for marketing purposes. We
will inform you if we intend to use your information for such purposes or if we intend to disclose your
information to any third party for such purposes. You can exercise your right to prevent such processing
by not checking certain boxes on our marketing consent form. You can also exercise the right at any
time by contacting us as set out below.
Updating Information
6.2. We will use reasonable endeavours to ensure that your personal information is accurate. In order
to assist us with this, you should notify us of any changes to the personal information that you have
provided to us by contacting us as set out below.

Your Rights (this section only applies if you are based in the EEA):
6.3. Where you are based in the EEA, under certain conditions under EU data protection law, you may
have the right to require us to:
• provide you with further details on the use we make of your information;
• provide you with a copy of information that you have provided to us;
• update any inaccuracies in the personal information we hold (please see paragraph 6.2);
• delete any personal information the we no longer have a lawful ground to use;
• where processing is based on consent, to withdraw your consent so that we stop that
particular processing (see section 6.1 for marketing);
• transmit the personal information you have provided to us and we still hold about you to a
third party electronically;
• object to any processing based on the legitimate interests ground unless our reasons for
undertaking that processing outweigh any prejudice to your data protection rights; and
• restrict how we use your information whilst a complaint is being investigated.
Your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g., the
prevention or detection of crime) and our interests (e.g., the maintenance of legal privilege). If you
exercise any of these rights, we will check your entitlement and respond in most cases within a month.
If we are unable to resolve an inquiry or a complaint, you have the right to contact the data protection
regulator in the EEA country in which you are based. A list of the data protection regulators and their
contact details can be found at http://ec.europa.eu/newsroom/article29/itemdetail.cfm?item_id=612080.
Contacting us
6.4. If you have any questions in relation to this policy or your personal information, please
contact: support@Mobile Wealth.trade, via our support page or by writing to us at Mobile Wealth
Company: Legal Department, 2 Robert Speck Parkway, Suite# 750 Mississauga ONT L4Z 1H8
7. Processing for Fraud Prevention and Detection Purposes
7.1. Before we provide our services to you, we undertake checks for the purposes of preventing fraud
and money laundering and to verify your identity. These checks require us to process personal
information about you.
7.2. The personal information you have provided, we have collected from you, or we have received
from third parties will be used to prevent fraud and money laundering and to verify your identity.
7.3. In order to do so, we may provide information to, obtain information from, and verify information
with fraud prevention and debt collection agencies and credit reference agencies (in their role as fraud
prevention agents). We will continue to exchange information with such parties while you have a
relationship with us.
7.4. We, fraud prevention and debt collection agencies and credit reference agencies may also enable
law enforcement agencies to access and use your personal information to detect, investigate and
prevent crime.

7.5. Fraud prevention agencies and credit reference agencies can hold your personal information for
different periods of time, and if you are considered to pose a fraud or money laundering risk, your data
can be held for up to six years.
7.6. As part of the processing of your personal information, decisions may be made by automated
means. This means we may automatically decide that you pose a fraud or money laundering risk if our
processing reveals your behaviour to be consistent with money laundering or known fraudulent conduct,
or is inconsistent with your previous submissions, or you appear to have deliberately hidden your true
identity. You have rights in relation to automated decision making as set out in section 4 of this policy.
7.7. As a consequence of processing, if we, or a fraud prevention agency or credit reference agency,
determine that you pose a fraud or money laundering risk, we may refuse to provide the services you
have requested or we may stop providing existing services to you.
7.8. A record of any fraud or money laundering risk will be retained by the fraud prevention agencies
and credit reference agencies, and may result in others refusing to provide services, financing or
employment to you. If you have any questions about this, please contact us as per section 6 of this
policy.
7.9. If you are based in the EEA, whenever fraud prevention agencies transfer your personal data
outside of the EEA, they impose contractual obligations on the recipients of that data to protect your
personal data to the standard required in the EEA. They may also require the recipient to subscribe to
‘international frameworks’ intended to enable secure data sharing.
8. Cookies Policy
We use cookies on the websites. To find out more about how we use cookies, please see our [cookie
policy document], which has been provided or made available to you.
9. Changes to our Privacy Policy and/or Cookies Policy
We may change the content of our Privacy Policy from time to time in the future. We therefore
encourage you to review this policy from time to time to stay informed of how we are using personal
information. This Mobile Wealth brand name Mobile Wealth Privacy Policy was created on April
12, 2023.
“Special categories of personal information” means personal information which include personal data
that may reveal racial/ethnic origin, religion/belief, health, sexual orientation, political affiliation, trade
union membership and criminal convictions.