OUR COMMITMENT TO PRIVACY Dreammy is the owner of Karatcoin which includes the Karatcoin logo, Karatcoin design, Karatcoin name, KTC and other marks specifically related to Karatcoin itself. We are registered at the Italian Patent and Trademark Office with registration Reference 0001607250. For the purposes of this Policy the terms "we," "us," "our Company," and "Company" refer to Dreammy and all of our affiliates. "You" refers to you, as a user of this site. Explained in this section is our policy regarding any personal information you might supply to us when you visit our web site(s). Our Privacy Policy (the “Policy”) was developed as an extension of our commitment to combine the highest-quality products and services with the highest level of integrity in dealing with our customers and partners. This Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our Site and our products and services. This statement will be continuously assessed against new technologies, business practices and our customers’ needs. YOUR CONSENT By using this Site, you consent to our collection and use of your personal information as described in this Privacy Policy. Dreammy’s Privacy Policy applies to individuals and all other users of the site to ensure we carry out our services on your behalf and carry out the necessary relevant due diligence to reduce fraud and money laundering. We reserve the right to change this Privacy Policy, along with related procedures, at any time. COLLECTION, USE AND RETENTION OF CLIENT INFORMATION When you visit our Site you may provide us with two types of information: 1) Network Security 2) Employee Access, Training and Expectations


A.GENERAL POLICY Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Site, new services and offers we think you will find valuable. The lists used to send you product and service offers are developed and managed under our traditional corporate standards designed to safeguard the security and privacy of our customers’ personal information. If you desire not to receive these offers, please SEND US AN EMAIL TO karatcoin@dreammy.io WITH “REMOVE US FROM OFFERS”. B.CREDIT CARD INFORMATION If you choose to purchase products or services from our Company or our partners, you may need to give personal information and authorization to obtain information from various credit services. For example, you may need to provide the following information:

C.E-MAIL If you choose to correspond with us through e-mail, we may retain the content of your e-mail and our response so that we can more efficiently handle any follow-up questions you may have. D.ONLINE APPLICATIONS When you apply on the Site for accounts or services, you provide personal information that is necessary for us to process your application. Dreammy, along with our affiliates, may keep the information you provide to us, along with information we collect from outside sources, so that we can offer you accounts and services related to your financial needs. E.ONLINE SURVEYS This information you provide to Company via online surveys and promotions on the Site will be used for internal marketing purposes, including for the development of new services and information on the Site.


Similar to other commercial web sites, our Site utilizes a standard technology called “cookies” and web server logs to collect information about how our Site is used. A.WHAT ARE COOKIES? “Cookies” are a feature of web browser software that allows web servers to recognize the computer used to access a web site. They are small pieces of data that are stored by a user’s web browser on the user’s hard drive. Information gathered through cookies and web server logs may include information such as date and time of visits, the pages viewed, time spent at the Site, and as the web sites visited just before and just after our Site. Cookies can remember what information a user accesses on one web page to simplify subsequent interactions with that web site by the same user or to use the information to streamline the user’s transactions on related web pages. This makes it easier for a user to move from web page to web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier and more personalised. B.HOW WE USE INFORMATION WE COLLECT FROM COOKIES WE USE WEB SITE BROWSER SOFTWARE TOOLS SUCH AS COOKIES AND WEB SERVER LOGS TO GATHER INFORMATION ABOUT OUR SITE USER’ BROWSING ACTIVITIES IN ORDER TO CONSTANTLY IMPROVE OUR SITE AND BETWEEN SERVE OUR CUSTOMERS. THIS INFORMATION ASSISTS US TO DESIGN AND ARRANGE OUR WEB PAGES IN THE MOST USER-FRIENDLY MANNER AND TO CONTINUALLY IMPROVE OUR SITE TO BETTER MEET THE NEEDS OF OUR CUSTOMERS AND PROSPECTIVE CUSTOMERS. WE DO NOT USE THESE TECHNOLOGIES TO CAPTURE YOUR INDIVIDUAL E-MAIL ADDRESS OR ANY PERSONALLY IDENTIFYING INFORMATION ABOUT YOU ALTHOUGH THEY DO PERMIT US TO SEND FOCUSED ONLINE BANNER ADVERTISEMENTS OR OTHER SUCH RESPONSES TO YOU.


A.GENERALLY We may provide aggregate information about our customers, sales, site traffic patterns and related Site information to our affiliates or reputable third parties such as credit reference and fraud prevention agencies, but this information will not include personally identifying data, except as otherwise provided in this Privacy Policy. B.LEGALLY COMPELLED DISCLOSURE OF INFORMATION We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights or our customers rights. C.SHARING INFORMATION WITH AFFILIATES From time to time, you may notice offers from outside companies advertised on our Site. We take measures to select product or service providers that are responsible and afford privacy protections to their customers. However, we cannot and do not make any representations about the practices and policies of these companies. D. SHARING INFORMATION WITH STRATEGIC PARTNERS We may enter into strategic marketing alliances or partnerships with third parties who may be given access to personal information including your name, address, telephone number and e-mail for the purpose of providing you information regarding products and services that we think will be of interest to you. In connection with strategic marketing alliances or partnerships, we will retain all ownership rights to the information, and we will not share information regarding your personal financial data.


A.INFORMATION SECURITY We utilize encryption/security software to safeguard the confidentially of personal information we collect from you. Cyptography scrambles messages exchanged between your browser and our online banking server. Encryption happens as follows: when you go to the sign-on page for online banking, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session and are only known between your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our serve. Both sides require the keys because they need to de-scramble (decrypt) the messages when they are received. The SSL protocol not only ensures privacy but also ensures that no other browser can “impersonate” your browser is in secure mode by looking for the secured lock symbol at the bottom of your browser window. The numbers used as encryption keys are analogous to combination locks. The strength of encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grows, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. Today’s browsers offer 40-bit encryption or 128-bit encryption. Both result in a large number of possible combinations, 240 and 2128, respectively. Our servers are compatible with both, however we recommend the use of 128-bit capable browsers. Click here to determine the level of encryption that your browser supports. Netscape Users go here: home.netspace.come/download/index.html?cp=djudepart Microsoft Internet Explorer Users go here: www.microsoft.com/msdownload/iebuild/msnie5/EN/msn.asp E-mail that you may send without going to the sign-on page for online banking, may not be secure unless we advise you that security measure will be in place prior to your transmitting the information. For that reason, we ask that you do not send confidential information such as account numbers to us through an unsecured e-mail. B.NETWORK SECURITY We provide a number of additional security features in your online transactions. Online transactions will “timeout” after a specified period of inactivity. This prevents curious persons from continuing your session in case you have left your PC unattended without logging out. You may set the timeout period in the User Options screen of online transactions. However, we recommend that you always sign-off (log out) when you are done with your online transactions.The network architecture used to provide the online service was designed by the brightest minds in network technology. While the architecture is too complex to explain here, it is important to point out that the computers that store your actual account information are not hooked up to the Internet. AUTHORIZATION It is also important to verify that only authorized persons log into your account. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure date center. We allow you to enter your password incorrectly five times, your online account will be locked until you call us to reinitialize the account. We monitor and record “bad login” attempts to detect any suspicious activity (i.e., someone trying to guess your password). You play a crucial role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are: birth dates, first names, pet names, addresses, phone numbers, national insurance numbers, etc. Never reveal your password to another person. You should periodically change your password in the User Option screen of the Website. C.EMPLOYEE ACCESS, TRAINING AND EXPECTATIONS Our corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, our business practices limit employee access to authorized persons, processes and transactions. D.OTHER WEB SITES LINKED TO OUR SITE We are not responsible for the practices employed by web sites linked to or from our Site nor the information or content contained therein. Often links to other web sites are provided solely as pointers to information on topics that may be useful to the users of our Site. Please remember that when you use a link to go from our Site to another web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other web site, including web sites which have a link to our Site, is subject to that web site’s own rules and policies. Please read over those rules and policies before proceeding. E.CHILDREN’S PRIVACY Our Site is not intended for the use of children. We do not knowingly market to, or solicit data from, children.