Privacy Policy

PRIVACY NOTICE — Effective July 14, 2026

What does Capitalyze® do with your personal information?

Why? Financial companies choose how they share your personal information. You have the right to limit some, but not all, of this sharing. We are also required to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Permanent Account Number (PAN) and account balances
• Transaction history
• Account transactions and bank account information

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information for legal and regulatory purposes. In the table below, we list the reasons financial companies can share their customers’ personal information; the reasons Capitalyze® chooses to share; and whether you can limit this sharing.

Questions? Visit our Contact Us page.

Who we are

Who is providing this Privacy Policy?

This privacy notice is provided by Woke and Lit, Private Limited.

What we do

How does Capitalyze® protect my personal information?

To protect your personal information from unauthorised access and use, we use security measures that comply with applicable law. These measures include computer safeguards and secured files and buildings.

How does Capitalyze® collect my personal information?

We collect your personal information, for example, when you:

• Pay your bills or make deposits or withdrawals from your account;
• Provide account information or give us your contact information;
• Show your government issued ID.

We also collect your personal information from other companies.

Why can’t I limit all sharing?

The law gives you the right to limit only:

• sharing for affiliates’ everyday business purposes — information about your creditworthiness
• affiliates using your information to market to you
• sharing for non-affiliates to market to you

Individual companies may give you additional rights to limit sharing. See below for more information on your rights.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates we share with can include direct marketing companies.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial service companies.

Privacy Policy

This Privacy Policy sets out how we collect and use the personal information provided through the websites located at www.capitalyze.in and www.wokeandlit.com (the “Sites”) and our mobile application (collectively, “Capitalyze® Technology”).

Unless otherwise indicated, this Privacy Policy only applies to personal information collected through Capitalyze® by Woke and Lit, Private Limited or any of their respective affiliates (together, for purposes hereof, “Woke and Lit”). By using the Capitalyze® Technology, you agree to be bound by this Privacy Policy and our Terms of Use, as they may be amended from time to time in the future (see “Changes to this Privacy Policy” below).

Woke and Lit is committed to maintaining the confidentiality, integrity and security of any personal information about our users. This Privacy Policy explains how we protect personal information provided through the Capitalyze® Technology, and how we use that information in connection with our service offered through the Capitalyze® site or app (the “Service” or “Services”).

“Personal information” for purposes of this Privacy Policy means information that identifies you, such as your name, address, phone number, or email address.

Woke and Lit stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges.

The information we collect about you depends on the information you provide us and how you use our Service. We collect information:

• When you provide information directly to us;
• Through automated technology when you use the Service; and
• From other sources.

Personal Information Collected Directly from You

We collect the following personal information when you provide it to us:

• contact information such as name, email address, mailing address, phone number;
• billing information such as account number, and billing address;
• financial information such as bank or brokerage account numbers, types of investments;
• Permanent Account Number;
• AADHAAR card image;
• unique identifiers such as Capitalyze® username, account number, password;
• preferences information such as product wish lists, order history, and marketing preferences; and
• demographic information such as age, education, gender, interests, and zip code.

Information Collected Through Automated Technology

When you visit the Site or download and use our Services, we may automatically collect certain information sent to us by your computer, mobile device, or any other device. This information may include the type of device you use, operating system, the device identifier (or “UDID”), your IP address, location, mobile network information, and standard web log information — such as your browser type, traffic to and from our site, the pages you accessed on our website, and other available information.

We may also collect information about your use and interaction with the Site, our mobile application, or our Services. For example, we may evaluate your computer, mobile phone, or other access device to identify any malicious software or activity that may affect the availability of the Services.

When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, clickstream information, and cookies (see the Cookies / Tracking Technologies section below) that may uniquely identify your browser or your account.

Information Collected From Other Sources

We may also receive information about you from other sources, such as payment, analytics, and security service providers, affiliates, joint-marketers, social network platforms, and others, consistent with any privacy or sharing choices you have made with any third-party platform.

Information Use and Sharing

Woke and Lit uses and discloses your personal information only as follows:

• to analyze site usage and improve the Service;
• to deliver to you any administrative notices, money alerts, and communications relevant to your use of the Service;
• to fulfill your requests for certain products and services;
• for market research, project planning, troubleshooting problems, and detecting and protecting against error, fraud, or other criminal activity;
• to third-party contractors that provide services to Woke and Lit and are bound by these same privacy restrictions;
• to enforce Woke and Lit’s Terms of Use; and as otherwise set forth in this Privacy Policy.
• other purposes for which we seek your consent.

In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.

In addition, we may from time to time offer promotions with various businesses, websites, mobile applications or third parties, which may include opportunities for you to invest or earn. Each such promotion will be subject to and governed by our Terms of Use, this Privacy Policy, and any applicable rules or terms and conditions we may post online, post in our mobile application, include within email or other communications, or otherwise make available to you.

If you choose to participate in any such promotion, or otherwise make any purchase subject to a promotion, we may share personal information such as name, email address, purchase dates, and other related information with the applicable third party — for the limited purpose of allowing the parties to make the promotion available and to track participation within it.

We may also disclose your personal information when we believe in good faith such disclosure is required by law, such as to comply with a subpoena, or similar legal process and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

If Woke and Lit, Private Limited is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Third Party Services

Please be aware that third-party websites accessible or recommended through our Services may have their own privacy and data collection policies and practices. These links and features are provided for your reference and convenience only and do not imply any endorsement of information provided through these third-party links and features, nor any association with their operators. We are not responsible for any actions, content of websites, or privacy policies of such third parties. We urge you to read the privacy and security policies of these third parties.

Your Choices about Your Personal Information

If the personal information on file for you changes, or if you no longer want our service, you can correct or update it on your customer information page, or by getting in touch through our contact form.

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you.

You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, by changing the email preferences in your account settings page, or by contacting us using the details below.

Retention of Your Personal Information

We will retain and use your information as necessary to complete the purpose for which it was collected, comply with our legal and/or regulatory obligations, resolve disputes, and enforce our agreements.

Cookies / Tracking Technologies

A cookie is a small text file that is stored on your computer. We use cookies for a variety of purposes, including for record-keeping and to help us understand your use of the Site, allow us to improve it, and personalize it for you. We use cookies on the Site. We do not link the information we store in cookies to any information that directly identifies you that you submit while on the Site.

We and our service providers may use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your internet browser’s “help” directory.

If you limit or reject cookies, you may still use the Site, but your ability to use some areas of the Site, such as contests or surveys, may be limited.

Our Site and Service may contain links to third-party services, as further described in the “Third Party Services” section above. Any cookies or tracking technologies used by such third parties are outside of the scope of this Privacy Policy.

You can control cookies through browser settings and other controls:

• You can manage cookies through controls on your web browser. As controls vary from one web browser to another, you should visit your web browser’s help menu for more information on cookie preferences. You can also configure your browser at any time to be notified of the receipt of a cookie, so that you can decide whether you want to accept it or not.
• To opt out of analytics cookies managed by our third-party analytics partners, either use the browser controls discussed immediately above, or use the analytics opt-out mechanisms maintained by our analytics provider Google Analytics: Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout

Children’s Privacy

Our Services are not directed at children. If we become aware that we have collected data without legally valid parental consent from children under 13 years of age, we will take reasonable steps to delete it as soon as possible.

Notice Concerning Do Not Track

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. At this time, we do not recognize or respond to DNT signals.

Security

The security of your personal information is important to us. When you enter sensitive information, financial information, on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We have implemented reasonable and appropriate measures to protect the security of the personal information submitted to us, both during transmission and once we receive it.

No method of transmission over the internet, or method of electronic storage, is 100% secure, however, so we cannot guarantee its absolute security. If you have any questions about security on the Site, please contact us using the details in the “Contact Us” section below.

Your Rights

Depending on how you interact with our website and services, in the preceding 12 months, we may have collected the following categories of personal information about you, in addition to the information we collect in connection with providing financial products and services:

• Identifiers, such as your name and contact information, IP address, and mobile device identifiers
• Internet usage information regards to use and interaction with our website.

You may have the right to receive information about the financial incentives that we offer you for your personal information (if any). You also have the right not to be discriminated against (as provided for in applicable law) for exercising certain of your rights.

Certain information may be exempt from such requests under applicable law. For example, we need certain types of information so that we can provide the Services to you and to comply with applicable law. If you ask us to delete certain information, you may no longer be able to access or use the Services.

For further support, please get in touch through our contact form.

You will need to provide additional information to verify your identity before we fulfil your request. You can also designate an authorised agent to make a request on your behalf. To do so, you must provide us with written authorization or a power of attorney, signed by you, for the agent to act on your behalf. You will still need to verify your identity directly with us.

The law sets out certain obligations for businesses that “sell” personal information. Based on the definition of “sell” under the law and under current regulatory guidance, we do not believe we engage in any such activity, and we have not engaged in such activity in the past twelve months. We share certain information as set out in the Information Use and Sharing section above, and allow our service providers to collect certain information about your activity — for example through cookies, as explained in the Cookies / Tracking Technologies section above.

Consumers may want to opt out of the sale of “personally identifiable information” for “monetary consideration”, as defined under law, to a person for that person to licence or sell such information to others. We do not engage in such activity.

Consumers may also opt out of the sharing of certain categories of personal information with third parties for those third parties’ direct marketing purposes. We do not share your personal information with third parties for their own direct marketing purposes within the meaning of the law.

However, if you have purchased goods or services from us, you may submit a request to opt out of any future sales by contacting us as set out in the “Contact Us” section below. Please note that we may take reasonable steps to verify your identity and the authenticity of the request.

Changes to this Privacy Policy

We may update this privacy policy to reflect changes to our information practices. If we make any material changes we will notify you by email or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Services, you are confirming that you have read and understood the latest version of our privacy policy.

Contact Us

If you have any questions about our Privacy Policy, please get in touch through our contact form.

Woke and Lit, Private Limited, Nasik, Maharashtra – 422002, India.