This privacy policy (the "Privacy Policy") applies to your use of the website of Lark Finserv hosted at larkfinserv.com, the Services (as defined under the Lark Finserv "Terms of Use") and Lark Finserv applications on mobile platforms (Android, Blackberry, Windows Phone, iOS etc.) (collectively ("LARK FINSERV" or "WEBSITE")), but does not apply to any third-party websites that may be linked to them, or any relationships you may have with the businesses listed on Lark Finserv.

We have implemented reasonable security practices and procedures that are commensurate with the information assets being protected and with the nature of our business. While we try our best to provide security that is better than the industry standards, because of the inherent vulnerabilities of the internet, we cannot ensure or warrant complete security of all information that is being transmitted to us by you.

We collect, receive and store your Personal Information. If you provide your third-party account credentials ("Third Party Account Information") to us, you understand that some content and information in those accounts may be transmitted to your account with us if you authorise such transmissions and that Third Party Account Information transmitted to us shall be covered by this Privacy Policy.

How We Use Your Information:

• Enable you to use the services provided by us
• Help promote a safe service and calibrate consumer interest
• Inform you about online offers and updates
• Troubleshoot problems and customize user experience
• Detect and protect against error, fraud and criminal activity

If you create an account to take advantage of the full range of services offered on Lark Finserv, we ask for and record Personal Information such as your name, email address and mobile number.

Communication Preferences:

• • Email updates, news, and newsletters (if subscribed)
• • Transaction alerts and SMS notifications based on preferences
• • Contact on behalf of other users for social collaboration

We also store customer information such as address, mobile number, Third Party Wallet details, Card Details and email address for customers making payments through Lark Finserv checkouts.

We record information relating to your use of Lark Finserv, such as:

• • Searches you undertake
• • Pages you view
• • Browser type and IP address
• • Location and timestamp information
• • Requested and referring URLs

Lark Finserv may share your Personal Information with third-party vendors, consultants, and other service providers ("Service Providers") who are engaged by or working with us in connection with the operation of the services we provide to you and who need access to such information to carry out their work.

We retain your Personal Information only for as long as is necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable laws and regulations, including guidelines issued by the Reserve Bank of India (RBI).

Retention Timelines (examples):

Once the data retention period expires, we will securely delete, anonymize, or archive your data in compliance with applicable laws.

Lark Finserv has implemented protocols to ensure secure destruction of Personal Information once it is no longer required for regulatory, business, or legal purposes. This includes deletion from active systems, backups, and third-party storage (where applicable).

In the event of a data breach, Lark Finserv will follow RBI-mandated standards and industry best practices for incident response. This includes:

In compliance with RBI guidelines for Digital Lending Applications (DLAs), we clarify that certain third-party service providers and lending partners may collect Personal Information directly from you for the purpose of processing loan applications or providing financial services.