CardMe - Privacy policy

Introduction

Welcome to “MOULKY LTD” and the “Card Me” Application.

This Privacy Policy is for both users & visitors to our website, applications, apps and other digital platforms and services.

Your privacy is important to us and this Privacy Policy provides important information about how “MOULKY LTD” and /or the “Card Me” Application (“Moulky Ltd”, “Card Me” Application, “Card-Me”, “the Company”, “Site”, “Service”, “the Application”, “the App”, “we”, “our”, “us”) handle personal information. It sets out how we collect and process the personal data that we hold about you and gives information on how to exercise your legal rights.

This Privacy Policy applies to any MOULKY LTD. , website, application or service that links to it and to the Card Me Application (collectively, our “Service(s)”).

The Company offers its services under the terms of this “Privacy Policy”, the “Terms and Conditions” and our “Pricing Policy” (hereafter collectively referred to as the “Agreement(s)”) that constitute a legal agreement between you and the “Company”.

You should read them carefully and use the Card Me Application services and any other of our Services only if you agree and consent to the Agreement.

The Agreement applies to all visitors, users, subscribers and others who wish to access or use our website and our Service.

The Agreements applies to all our services directly or indirectly, made available online, through any mobile device, by email or by telephone.

For purposes of this Privacy Policy and the Agreement, the following definitions apply:

• “Moulky Ltd”, “Card Me” Application, “Card-Me”, “the Company”, “Site”, “Service(s)”, “the Application(s)”, “the App”, “we”, “our”, “us”, refer to MOULKY LTD and its affiliates.
• “You”, “your”, “yours”, “user”, “subscriber”, “client”, refer to visitors, the customer and user, subscribing and using our Software, services and applications through our mobile applications or through the website and/or otherwise.
• “Software” and “Service(s)”, refers to the software, site, Mobile and Web applications owned by Moulky Ltd and used by you and any other services rendered by us through the use of our Software.

This Privacy policy may be changed from time to time. If we proceed on modifying any subsequent changes we consider to be important, either as an issue of compliance with the GDPR regulatory initiative or according to future applicable law(s), we will let you know by placing a crystal clear notice on the relevant Privacy Policy field.

We encourage you to read this Privacy Policy, the Terms & Conditions and the Pricing Pollicy, carefully when using our website, the Card Me Application and any other of our services or transacting business with us. By using our websites, the Card Me Application or any of our applications and services, you are effectively accepting and submitting to the practices described in this Privacy Policy, the Terms & Conditions and the Pricing Pollicy

Please note that we Include this Privacy Policy as a binding document in:

• The CardMe Application store listings
• The web pages /sites of Moulky Ltd and of CardMe App.
•  Our Terms and Conditions

Information We Collect About You

‘Personal data’ means any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

 ‘Processing’ means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction.

We collect and process your personal data in accordance with the principles of legality, fairness, transparency, accuracy, availability, data minimization, storage limitation, integrity and confidentiality by taking appropriate technical and organizational measures and always in accordance with the applicable national and European legislation and in particular the General Regulation [EU] 2016/679, known as GDPR.

Personal Data we collect

We may collect personal information that can identify you, such as your name, surname, conduct number, postal or email address, and other information that does not identify you.

We collect and process the strictly necessary personal data which are appropriate and relevant for the achievement of the purpose for which it is intended at any time and we will process on a case-by-case basis certain categories of personal data, which means information from which you are identifiable, and includes, but is not limited to the following:

• Personal information and contact details e. g. name, surname, telephone number, postal /e mail address.
• You may also need to provide your billing address and payment card information, tax data and information you give us for our payment or for the payment of services you wish to receive through us and our business partners (e. g. VAT number, credit card details, bank details, card data and any other detail and data that the relevant Payment Institution shall demand to enable you to pay and enjoy our services, see also our Pricing Policy.
• Connection and geolocation data (how you interact with us from within the App). And Geographic location data for the needs of our sites and applications see also our Cookies notice
• In Account sign-up and login pages AND In Checkout or payment pages
• Other information about you and your activity that you provide to us by filling out forms, the subscription form of our CardMe Application, via email, phone or physical presence.
• Data collected through cookies see below our Cookies Notice
• Non-Personal Information which we may collect consists of technical information and behavioral information, and may include, among other things, type and version of operation system, type of browser, screen resolution, browser and keyboard language, referrer, User’s ‘click-stream’ on the properties and the User’s browsing history (visited pages and dates).
• Device data (such as the names of the apps installed on the device).
• If you register for an account on our website / application, and /or if you fill your subscription form in order to use our Card Me Application and /or any other of our services, or to post, link, store, share or otherwise make available your Content to receive selected mails, queries, requests form us or any other user of the Card Me Application, you may be requested to provide us with your full name, email address, year of birth, postcode, information about your tastes and preferences and any other information you may voluntarily provide us with (for example, through our Customer Support service, etc. ).
• If you contact our Customer Services team, we will need your name and contact information as well as full details of your query.  

Ways of collection:

• Personal information which you provide us voluntarily. We collect this information when you subscribe to our Card Me Application, to use any of our services, by completing the registration/subscription form. We also collect information when you contact us for any reason;when you address to post/link/store/share or otherwise make available your Content, to receive services and/or products; when you submit a CV for your recruitment to the company; when you register and request to receive email and/or newsletters; when you fill out electronic forms or send email to receive information or use the services available on the websites and our Card Me Application or any other of our Applications; from our contractual relationships. However we undertake the obligation to protect and shield any such information from leaking outside our database.
• From publicly accessible sources, including social networks (for example Facebook, Twitter, Instagram, LinkedIn, Google etc. ). The collection of this information may depend on the privacy settings you have specified with your social media provider, so please review the service’s declaration or privacy policy. We can also access information from social media activity such as when you ‘like’- the website, share content or follow us on Twitter. When you sign in to the website using social media you grant permission to the social network to share some of your details with us. Depending on the network this will include basic account information such as name, email address, date of birth and any other details you choose to share according to your particular social media account settings. Transparency of information is the fundamental cornerstone of our ethical and business conduct on these grounds, so please review your privacy settings with them.
• Automatically using cookies through the browser and/or the devices or applications you use to access the Web pages. We automatically collect information from your browser when you visit our website, through google analytics. If you would like to know more about our use of cookies and how to manage them, please read our Cookie Notice.
• Generic data acquisition through the application, using custom methods.

Visitors who are only visiting our Site do not need to provide any Personal Information.

Users & Visitors who are interested in the use of our services, such as subscribing to our Card Me Application, will be required to provide details on the registration/ subscription form of the Site and the Application).

When we ask you to fill in your personal data to afford you access to any functionality or service of the App, we will mark certain fields as mandatory, since these are the minimum that we need to be able to provide the service. Please take into account that, if you decide not to make such data available to us, you may be unable to complete your user registration or may not be able to enjoy those services.

We may send newsletters and sometimes we may send marketing emails. These will always include instructions on how to opt out of receiving these newsletters & emails in the future, in compliance with the General Regulation [EU] 2016/679 Known as GDPR European regulatory framework.

 If you choose to participate in a survey or poll, any personal information you provide may be used for marketing or market research purposes.

We store the personal information either independently or through the help of our authorized third-party service providers.

For what purposes do we collect and process this data?

• Granting you access to a subscription and Allow users to use our Card Me Application, our Sites and any of our Services, including in their applications.
• To enable you to succeed in the Payment of your subscription and use of our services according to the pricing policy.
• Verifying your identity (for example when you return to the website and have already logged in) and thus securing that the user’s – visitor’s I. P. address is an authentic one, and not a malware account managed by a software and or robot.
• Ensuring the security of our website and services & improving the design and style of the website.
• Allow us to contact the registered Users.
• Sending you service messages about your subscription or account registration. This could be by newsletters, email, overlay on the website or push notification.
• Communicating (and personalizing such communication) with you through our newsletters, mails, messages, but only those you have consented to receive.
• Perform research and analysis about your use of, or interest in, our services, or content, or services or content offered by others and feeding back all major relevant research products/and services and Conducting market research.
• Develop and display content and advertising tailored to your interests on our site and other sites & informing you about products, services or promotional offers that you might find interesting if you have chosen to receive these types of communications.
• Collect information for statistical and research purposes and for the customization and improvement of the Service and/or Site / Application.
• Maintaining back-ups of our databases.
• Manage our business & enforce our terms and conditions.
• Perform functions as otherwise described to you at the time of collection.
• Dealing with, and responding to you about, a Content, and or comment you have submitted for or on our message boards, blogs and other such user generated content facilities.
• Enabling you to share our content with others using social media or email.
• Administering competitions and informing you if you have been successful in any competitions or promotions.
• Compiling customer reviews.
• Sending you push notifications from our apps.
• Dealing with any query or complaint you submit to our customer services team.
• To examine data you have submitted with a CV, expressing interest in the occupation of a job with us.
• We also log / store and use information about any service errors or interruptions that you have experienced in order to help us create fixes and to make technical improvements to our website.
• Google Maps. We use Google Analytics to monitor and analyze web traffic and to keep track of User behavior in order to improve the Service. For more information see our “Cookies notice / cookies used by our service providers” section. However, you are always asked whether you prefer to disable the specific performance cookies.
• We may use demographic and preference information to allow advertising on the Service to be targeted to the users for whom they are most pertinent, only after the acceptance of the terms and conditions provided by MOULKY LTD and/or CardMe App in order to secure the shielded protection of sensitive personal data. This means users see advertising that is most likely to interest them, and advertisers send their messages to people who are most likely to be receptive, improving both the viewer’s experience and the effectiveness of the ads.

We disclose information to third parties only in aggregate or de-identified form. The third-party we use for this service is Google Ad Services. For more information see our “Cookies notice / Service Providers Cookies” below.

The legal basis

We collect & process your personal data for legitimate reasons based upon:

• Your consent.

Please note that:

a/ By filling in the contact form on our website with their data and by filing the subscription form of our Card Me Application, the users give permission to the Site and to the CardMe Application, to use this data to reply to requests for information, inquiries or any other form of request as indicated by the form’s header.

b/ By entering to, connecting to, accessing or using the site and/or service and/or by installing/subscribing the “Card Me” Application you agree to the terms and conditions set forth in this Privacy Policy (the “Privacy policy”) including our “TERMS AND CONDITIONS” “Terms & Conditions”) and our “Pricing Policy” “Pricing Policy” collectively referred as the terms and Conditions of the “Agreement”, including to the collection and processing of your personal information.

 If you disagree to any term provided herein, please do not enter to, connect to, access or use the site (including but not limited to the services) in any manner and uninstall the “CardMe” application from your device.

Your consent, in any case, is required, when you wish to use the services of the Card Me Application, when you are successfully subscribed to our CardMe Aplication and any of its services, to post/link/store/share or otherwise make available your Content, to receive via email newsletter, updates, notices for news, publications, promotions, or even promotions, when there is no previous contact between us.

You will be able to revoke your consent at any time.

We will only use your personal data for advertising and marketing, personalization of content and services, advertising analytical purposes and to track e-Commerce purchases if we have your specific consent to do so.

This includes the use of data provided by you and our partners for profiling purposes in order to generate revenue from you so we can provide our services and to improve our products and services.

• The contractual relationship between us for the provision of our services and the fulfillment of our contractual obligations.
• Our Apps i. e. , “Card Me” Application, collect personal information from users in a number of ways such as by asking them to log in/subscribe and create an account, having them input payment details for in-app purchases, allowing location tracking in order to be able to provide services, requesting access to contacts, gathering usage data, etc.
• The promotion of our legitimate interests, where these legitimate interests do not exceed your rights or interests. For example, the legitimate interest pursued by us to analyses our website traffic in order to maintain the service, monitoring successful page loads or error messages, analyzing the content posted on our websites, and/or analyzing the applications so that we can understand your needs, offer you tailored services, inform you for new programs and services, answer your questions and queries and improve and promote our services and exploit our websites effectively. We use google analytics for this service.
• In any case, we use your data for compatible purposes, including claiming, exercising or defending civil claims and in compliance with an obligation imposed by law, for example where we have an obligation to use and maintain your personal data for tax purposes.
• The use of the information as described for example to detect and protect you from fraudulent, abusive or illegal activity and maintain the security of Web pages are our legitimate interest in preventing fraud, security of Information and the reliability of the services provided.

Emails / Newsletters

MOULKY LTD and / or CardMe App, may send you email newsletters or promotional email about services offered by MOULKY LTD, the CardMe Application and their advertisers.

If you received a mailing from us, either a) your email address is listed with us as belonging to someone who has expressly requested receipt of information in the future (‘opt-in’), or b) you have registered with, purchased from or otherwise have an existing relationship with us.

We will not send you email if you have opted out (opt-out).

You can choose not to receive messages in the future by either (1) following the “Subscribe / Unsubscribe” link at the bottom of each email we send, or (2) you can email us at support@card-me.net with your request and the email address it concerns.

If you feel you have received an email from us in error, please contact support@card-me.net.

Emails From You

If you send us an email, we will use your email address to respond directly to your questions or comments.

YOUR LEGAL RIGHTS:

• Right of information
• Right of access – you have the right to request a copy of the data that we hold about you.
• Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
• Right to be forgotten – you can ask for the data we hold about you to be erased from our records.
• Right to restriction of processing – you can ask for us to restrict the way we process your data.
• Right of portability – you have the right to have the data we hold about you transferred to another organization.
• Right to object – you have the right to object to our processing your data where we are relying on a legitimate interest in order to process it.
• Right to withdraw your consent – you have the right to withdraw your consent at any time.
• Right to make a complaint with a supervisory authority

Please note that these rights are not absolute and certain exemptions apply.

Exercise of your Legal Rights

• How can I access and update my personal information?

You can ask for a copy of the personal information we may hold about you, or for your data to be deleted via customer services.

If wish to contact us please contactsupport@card-me.net.

 How long do you keep my personal information for?

We will keep your information only for as long as it is relevant and useful for the purpose for which it was originally collected.

• Who will you share my personal information with?

Information submitted to us is only available:

a) To employees managing this information for the purpose of contacting you regarding your subscription or a request made by you and /or other users for information and /or complaints. Only authorized employees are permitted to access personal information, and they may do so only for permitted business functions and we use firewalls to help prevent unauthorized persons from gaining access to your personal information. Our employees are bound by the relevant law regime and confidentiality.

 b) To contracted service providers for the purpose of providing services relating to our communications with you.

c) Advertisers and advertising networks sometimes require data to select and serve relevant advertisements to you and others. They can collect cookie data but this cannot be used to identify you personally.

d) Other users of the Card Me Application according to your consent and permission to the Subscription form.

We will never share, sell, license, disclose or rent individual personal information to/with anyone third person without your advance permission unless ordered by law or court order or other administrative act or if it has contractual required for proper functioning, as in the following cases: We may disclose your personal data to third-party reputable cooperating companies, which offer website management services, applications, technical support and maintenance of automation software for the purpose of mass management and dispatch of electronic messages (newsletter services), credit card payment service, postage management, comments, data analysis and business activities and/or information systems of support and marketing, measurement analysis, Subscriptions management, feedback Services, payment services, hosting, sales, maintenance and support and Web / Application analysis.

 These service providers may have access to personal information needed to perform their functions such as supporting our website functionality, and supporting newsletter services and other features offered through our website, but are not permitted to share or use such information for any other purposes.

We will only use companies who can provide adequate safeguards to ensure your data is stored and processed securely.

The transfer of data to our partners is carried out under the article 28 (1) of the GDPR, alternatively on the basis of our legitimate interest in the financial and technical advantages associated with the use of the specialized partners.

We reserve the right to disclose your personal information to comply with applicable laws and government or regulatory bodies’ lawful requests for information.

We may also have to release information because of a legal requirement on us or pursuant to a court order.

We may be required to use and retain personal information for legal and compliance reasons, such as the prevention, detection, or investigation of a crime; loss prevention; or fraud. We may also use personal information to meet our internal and external audit requirements, information security purposes, and as we otherwise believe to be necessary or appropriate: (a) under applicable law, which may include laws outside your country of residence; (b) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include such authorities outside your country of residence; (c) to enforce our terms and conditions; and (d) to protect our rights, privacy, safety, or property, or those of other persons.

We also may disclose your information in connection with a substantial corporate transaction, such as the sale of our business, change of control of our business, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

• Will my data be sent overseas?

The transfer of data to our partners is carried out under article 28 (1) of the GDPR, alternatively on the basis of our legitimate interest in the financial and technical advantages associated with the use of the specialized partners.

Third-Party Websites / Software/Service

BE AWARE that This Privacy Policy applies only to information that we collect from you.

There are a number of places on our website or through our services which may direct your internet browser to a third party website or a portion of the Site controlled by a third party that do not operate under this Privacy Policy. Disclosure of personal information to such third party shall be subject to the terms of such third party’s privacy policy. We are not responsible for the privacy policy or content of web sites that we do not own, even if such a site is linked on our Site.

When you share or recommend links to content on a third-party and social network platforms (such as social media, Facebook, Instagram, LinkedIn, Google, Twitter), that action and any information you share will be covered by their privacy policy. So pls review their privacy policies and your settings on regular basis.

Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they collect, process and disclose personal information.

Those policies will govern collect, processing and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy.

These entities or their servers may be located either inside or outside the United States of America.

So please review their privacy policies and your settings on regular basis.

Security & Confidentiality

MOULKY LTD takes great care in implementing and maintaining your security and uses reasonable efforts to help safeguard your personal information from unauthorized access and disclosure. We want you to feel confident using MOULKY LTD and/or CardMe Application.

The company takes all appropriate organizational and technical measures for the protection and security of your personal data and implements an information security management system to ensure the confidentiality, the security of the processing of your data and their protection against accidental or unlawful destruction, alteration, loss, forbidden access, misuse, dissemination and any other form of improper processing. We will advance the measures we are taking and when necessary we will modify them.

Exercising your rights, asking questions and raising concerns:

In the first instance, please submit your request using our online form available here: support@card-me.net.

Supervisory Authority contact details:

Commissioner for Personal data Protection

1 Iasonos Str, 1682 Nicosia, Cyprus

Tel : +357 22818456

fax: +357 22304565

Email: commissioner@dataprotection.gov.cy

LEGISLATION The current national and European legislation and in particular the general regulation for the protection of personal Data 2016/679/EU (EU) known as GDPR. The Courts of Limassol Cyprus are responsible for resolving any disputes.

Marketing preferences:

If, at any time, you prefer not to receive posts, notes, emails from us, simply follow the unsubscribe options at the bottom of each email, or email us at support@card-me.net with your request and the email address it concerns.

Information related to controlling cookies can be found COOKIES POLICY.

If you experience difficulty with the unsubscribe process, feel free to contact us at support@card-me.net and provide your email address so we can remove it from the mailing list.

Cookies & similar technologies / Cookies Notice

We use cookies. When you visit our websites, our Card Me Application or any of our apps, we may assign your computer one or more performance cookies, to facilitate access to our site and to personalize your online experience. When you access or use our Sites, our Card Me Application or any of our apps and Services, we may use industry-wide technologies, such as cookies, which stores certain information on your computer and which will allow us to enable automatic activation of certain features, and make your experience much more convenient and effortless.

Cookies are small files that your browser places on your device in a specified directory.

Among other things, it can be used to determine if you have visited a website before. If you agree, cookies may also store login information for an online service, so you do not need to enter this login information each time you visit the site. Many cookies contain a so-called cookie ID. The cookie ID is a unique identifier of the cookie. It consists of a string through which the websites and servers can be mapped to the specific Internet browser in which the cookie was saved. This allows its websites and servers to distinguish the person’s browser from other Internet browsers that contain other cookies. A particular Web browser can be recognized and recognized by the unique cookie ID.

Through the use of a cookie and other custom methods implemented, we also may automatically collect information about your online activity on our website, such as the pages and posts you visit on our website, the links you click on our website, and the searches you conduct on our website, provided that user – visitor has already granted MOULKY LTD and/or CardMe Application access to such details by accepting terms and conditions and via our cookie application. Most browsers will allow you to erase cookies from your computer’s hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies, as explained in our online manual. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our website. You may also clear or delete existing cookies from standard internet browsers.

Cookies used by our service providers

We also use certain third-party cookies. These are a different kind of cookies, stored on your computer by third parties, rather than by MOULKY LTD and CardMe Application. This kind of cookies is only read (and not altered by the Site and /or App. ) each time you visit the Sites and/or you make a subscription to the Card Me application, and /or you use the services of the Card Me Application and also when you visit certain websites or applications that use similar cookies.

We use Google Analytics and custom data acquisition methods to analyze the use of our website and/or application. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google’s privacy policy is available at: https://www. google.com/policies/privacy/.

We may publish Google AdSense interest-based advertisements on our website. These are tailored by Google to reflect your interests. To determine your interests, Google will track your behavior on our website and on other websites across the web using cookies. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to your users based on their visit to your sites and/or other sites on the internet.

You can view, delete or add interest categories associated with your browser by visiting: https://adssettings. google.com. You can also opt out of the AdSense partner network cookie using those settings or using the Network Advertising Initiative’s multi-cookie opt-out mechanism at: http://optout.networkadvertising. org. However, these opt-out mechanisms themselves use cookies, and if you clear the cookies from your browser your opt-out will not be maintained. To ensure that an opt-out is maintained in respect of a particular browser, you may wish to consider using the Google browser plug-ins available at: https://support. google.com/ads/answer/7395996.

Children’s Privacy

Our website / application is a general audience site, and we do not knowingly collect personal information from people under the age of 18. We do not intentionally collect personal data from people under eighteen [18] years of age, nor is the content of our website addressed to people of those ages. If we find that we have accidentally collected personal data from minors, and/or if we discover that minors used our websites / application, we will delete their personal data as soon as possible.

Application Service is intended only for access and use by individuals at least eighteen (18) years old.

By accessing or using Service, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of the Agreements. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of Service. If you reside in a jurisdiction which restricts the use of the Services because of age, or restricts the ability to enter into agreements such as this one due to age, you must abide by such age limits and you must not use the Software and Service. See also our Terms & Conditions

User’s FUTHER USE

CardMe Application is strictly intended for personal use of the User / buyer / Subcriber only.

MOULKY LTD and CardMe Application, do not provide Users and Subscribers, the opportunity to purchase, sale, share or otherwise use the application for any further transfer, assign and/or deal with any other commercial purposes etc.

This is a strict prohibition and any violation of this gives Moulky and CardMe the legal grounds for indemnifications, See also our Terms & Conditions

User’s FUTHER comments/Content(s)

MOULKY LTD and CardMe Application, provide Users the opportunity to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content(s) ”).

Users are sole, absolute and unlimited responsible and liable for Content that they post on or through Service, including its legality, reliability, and appropriateness.

For more information see also Our Terms&Conditions.

How to Contact Us

If you have any questions about this Privacy Policy, Our Terms & Conditions, our Pricing Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by email at: support@card-me.net.

MOULKY LTD, “the Company” owns and manages the website “MOULKY LTD” and the “CardMe” Application.

The Company has been incorporated under the Companies Law of Cyprus, Cap. 113, as a Limited Liability Company.

 Address: Chrysorroyatissis & Kolokotroni, 3040 Limassol, Cyprus

Tel :0035725274000

Mail : support@card-me.net

This Privacy Policy dated on 6^th of August 2022.