GLANCE PRIVACY POLICY FOR TV

Glance InMobi Pte. Ltd. (“Glance” or “We”) respects your privacy and is committed to protecting it through our compliance with this policy. Please read this policy carefully to understand our practices regarding your information. By installing, subscribing to, accessing, or using the Glance TV Platform, you agree to this privacy policy as permitted under the applicable law. To the extent required under applicable law, we may ask for your consent to this Policy.

Note that the creation of AI Looks on Glance TV is powered and governed by Glance AI App, please refer to the Glance AI App Privacy Policy for more details on the personal data we process and how to exercise your privacy rights.

Notice at Collection. At or before the time of collection, certain countries and/or States may provide its residents with the right to receive notice of our practices, including the categories of personal or sensitive information to be collected, the purposes for which such information is collected or used, whether such information is sold or shared and how to opt-out of such uses, and how long such information is retained. You can find those details in this statement by clicking on the below links. Certain countries may also require explicit consent acceptance, your Application experience is tailored to such requirements. 

Please see sections below on Supplemental Notice as required by certain countries or States regarding your rights, Retention of Personal Information and How We Use Your Personal Information sections below. 

1. Scope
2. Information We collect and How We Collect It
3. How We Use Your Information
4. Disclosure of Your Information
5. Your Privacy Choices and Rights About Our Collection, Use, and Disclosure of Your Information
6. Data Security
7. Data Retention Period
8. International Data Transfer
9. Supplemental state-specific privacy notice
10. Children’s Information
11. Supervisory Authority
12. Third-Party Websites/Applications
13. Changes to Our Privacy Policy
14. Contact Us
15. Order of Prevalence

1. Scope

This policy describes (i) the types of information we may collect when you install, subscribe to, access, and/or use the features of Glance TV Platform; (ii) the types of information we may collect or that you may provide when any advertisement is displayed by Glance on Glance TV Platform or as part of your interaction with such advertisement by Glance ; (iii) how we use that information, and the purposes for which we collect it; and (iv) how we disclose such information.

As used in this Privacy Policy, “Glance TV Platform” means and refers to Glance’s proprietary platform (application/software/website/feature or as made available in any other format) which enables end-users to explore and discover content or services through patch wall, screensavers or home screen for smart television. Content discovery may include interesting stories, news, content, events, games, advertisements, products etc. which can be viewed/ accessed on your smart devices such as television. The platform also enables partners to display their content (including advertising, games promotional, entertainment or informational content) on smart television of the end users and sites.

This policy applies only to information we collect through the Glance TV Platform and in email, text, and other electronic communications sent through or in connection with the Glance TV Platform. It does not apply to information that we may obtain from other sources (other than Glance TV Platform) who may provide your information based on their privacy policies and your interaction with their offerings. Glance TV Platform may also be permitted to collect certain information about you from the websites, applications, channels, services or landing pages (“Sites”) you access through Glance TV Platform by the provider/owner of such Sites, in which case, we will treat such information in accordance with the privacy policies of such Sites in addition to this policy, subject to the terms of the former. This policy does not apply to websites or landing pages you may access through the Glance TV Platform, nor does it apply to information that you provide to or that is collected by any third party. We encourage you to read any such non-Glance TV Platform terms, conditions, policies, notices etc. before providing information on or through them including Sites.

FOR GLANCE TV PLATFORM THAT IS MADE AVAILABLE AS A PRE-LOADED FEATURE OR ON A SMART DEVICE (INCLUDING TELEVISION), PLEASE NOTE THAT, THE PROVIDER OF THE DEVICE MAY INCOPORATE RELEVANT TERMS OF THIS POLICY WITHIN THEIR OWN PRIVACY POLICIES OR PROVIDE FOR A DIFFERENT VERSION OF THE GLANCE TV PLATFORM PRIVACY POLICY AND MAKE THE SAME AVAILABLE TO YOU. PLEASE REFER TO THE SETTINGS PAGE OF YOUR SMART DEVICE, OR THE TERMS OF USE OF THE APPLICATON IN WHICH GLANCE IS BUNDLED TO FIND THE RELEVANT PRIVACY POLICY.

Glance assumes no responsibility for any third-party landing pages you access or your direct interaction with any third-party including content providers, advertisers, e-commerce partners, reward partners or payment facilitators even if you elect to engage with any content such as specific content, advertisement, product purchase or survey campaign displayed through Glance TV Platform; we recommend that you review the privacy policies of such third parties that you interact with.

2. Information We Collect and How We Collect It

We collect certain categories of information depending on how you interact with Glance TV Platform. The information that we collect are described below:

• a. Automatic Information Collection

  When you access, and use the Glance TV Platform including when you view any advertisement displayed on the Glance TV Platform, it may use technology to automatically collect certain details of your access to and use of the Platform, including interaction data, logs, time stamp, and other performance data and the resources that you access and use on or through the Platform, stories/videos/content you read, view, watch, interact with or otherwise access.

  We may also collect information about your device and internet connection, including but not limited to, the one way hashed unique device identifier, advertising identifier, device make, IP Address, coarse location derived from IP address, display features, operating system, network information (Wi-Fi, 3G, 4G). Some of these data sets may be personal information and in which case, we ensure compliance with applicable privacy laws in our collection or use of the same, to the extent applicable in such jurisdictions.

Our uses of these Technologies fall into the following general categories:

• Operationally Necessary.

This includes Technologies that allow you access to our Services, applications, and tools that are required to identify irregular website behavior, prevent fraudulent activity, improve security, or allow you to make use of our functionality.

• Performance-Related.

We may use Technologies to assess the performance of our Services, including as part of our analytic practices to help us understand how individuals use our Services (see Analytics below). For example, we may track your in-Glance TV Platform activity, and other interactions with the platform.

• Functionality-Related.

We may use Technologies that allow us to offer you enhanced functionality when accessing or using our Services. This may include identifying you when you sign into our Services or keeping track of your specified preferences, interests, or past items viewed.

• Advertising- or Targeting-Related.

We may use first party or third-party Technologies to deliver content, including ads relevant to your interests, on our Services or on third-party websites.

See “Your Privacy Choices and Rights About Our Collection, Use, and Disclosure of Your Information” below to understand your choices regarding these Technologies.

• Analytics.

We may use Technologies and other third-party tools to process analytics information on our Services. These technologies allow us to process usage data to better understand how our website and web-related Services are used, and to continually improve and personalize our Services.

We may also use these technologies to collect information about your activities over time and across third-party websites, apps, or other online services (behavioral tracking).  

• c.Third-Party Information Collection:When you use the Glance TV Platform or its content, certain third parties may use automatic information collection technologies to collect information about you or your device. These third parties may include our partners such as data enrichment partners, content providers, ad networks, attribution partners and analytics companies etc. The information provided in those cases follows the respective privacy policies of such third parties.

In the context of advertising displayed on Glance TV Platform, our customers, partners or vendors (“Ad-Third Parties”) may also disclose to us certain personal or non-personal information they have separately collected about you so that we can effectively provide our services. They do this in accordance with their own specific privacy policies and subject to their own applicable legal requirements and, we will treat such information in accordance with the privacy policies of such Ad-Third Parties in addition to this policy, subject to the terms of the former. We do not use the information they provide to us for any purpose other than providing or improving our services.

These third parties may use tracking technologies to collect information about you when you use the Glance TV Platform. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different content sites, websites, apps, and other online services. They may use this information to provide you with interest-based (behavioural) advertising or other targeted content. While we contractually require all our partners to comply with applicable privacy laws, please note that we do not control these third parties’ tracking technologies.

• d.Information about advertisements presented on your Glance TV Platform:We may also collect some or all of the following information about an ad presented on your device: (i) the content type of the ad (what the ad is about, e.g. games, entertainment, news); (ii) the ad type (e.g. whether the ad is a text, image, or video based ad); (iii) where the ad is being served (e.g. the address of the site on which the ad appears); and (iv) certain information about post-click activity in relation to the ad including user interaction with such ad.
3. How We Use Your Information

We may use information that we collect about you or that you provide to us, to (collectively referred to as “Permitted Purposes”):

• a. Provide you with the Glance TV Platform features and its contents, fulfil our contract with you, such as: location-based news, events, featured stories, services or products, offers and any other information; answer requests for customer or technical support, activities on our Services, and policy changes.
• b. Provide advertisements and promotions that may be of interest to you.
• c. Notify you when any relevant Glance TV Platform updates or upgrades are available and requires notification.
• d. Estimate our audience size and usage patterns.
• e. Frequency capping of content displayed.
• f. Enrich, build custom audience segments or merged data sets (using the data referred herein and/or third party or Group provided data sets) to enable Glance TV Platform, Ad Partners or the Group to better target advertisements and offer their services.

“Group” as used in this policy, means, with respect to Glance, its affiliates and group entities listed here . 

• g. Fulfil other administrative purposes, such as: pursuing our legitimate interests such as direct marketing, research and development (including marketing research), network and information security, and fraud prevention; detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, and prosecute those responsible for that activity; ensure internal quality control and safety; authenticate and verify individual identities, including requests to exercise your rights under this policy; debug to identify and repair errors with our Services; audit relating to interactions, and other compliance activities; share information with third parties as needed to provide the Services; enforce our policies; and other uses as required to comply with our legal obligations.
• h. Improve, upgrade, or enhance our services, attribution and to deliver a better personalized experience which may include short-term, transient use, such as interest-based advertising customized to individuals’ inferred interests, preferences and locations, measure interest and engagement in our Services; and to perform analysis aimed at improving your user experience.
• i. Tailor and provide you with content and advertisements that are customized to the users’ interests and geographic locations, which Glance may derive or infer from information that it collects about how those users interact with such sites, over the top applications and apps (this type of advertising is often called “interest-based advertising” or “targeted advertising”). The information Glance collects from your device also helps to provide filtering options to manage ads appearing on the Glance TV Platform, and to provide targeting options for advertisers. Further, Glance may also obtain user data from our data partners, advertisers and/or advertisers’ partners for optimizing digital advertising and/or analytical purposes including providing relevant advertising and reporting. See “Your Privacy Choices and Rights About Our Collection, Use, and Disclosure of Your Information” below to understand your choices regarding these Technologies.If you have any questions about our marketing practices, you may contact us anytime as set forth in “Contact Us” below.
• j. Fulfil the purpose for which you provide it.
• k. Honor your consent.
• l. Fulfil other purposes as requested by you, when you provide the information, for purposes stated in this policy, or as permitted by applicable law.
• Automated Decision Making.We may engage in automated decision making, including profiling, such as displaying content that may be relevant to your interests on your device’s lock screen. Glance’s processing of your personal information will not result in a decision based solely on automated processing that significantly affects you unless such a decision is necessary as part of a contract we have with you, we have your consent, or we are permitted by law to engage in such automated decision making. If you have questions about our automated decision making, you may contact us as set forth in “Contact Us” below.
• De-identified and Aggregated Information.We may use personal information and other information about you to create de-identified and/or aggregated information, such as de-identified demographic information, information about the device from which you access our Services, or other analyses we create. De-identified and/or aggregated information is not personal information, and we may use, disclose, and retain such information as permitted by applicable laws including, but not limited to, for research, analysis, analytics, and any other legally permissible purposes. If we create or receive personal data that has been de-identified or aggregated, we will not attempt to reidentify it, except to comply with applicable law.
4. Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual or device, without restriction. We may disclose your information to the third parties (as set out below) for a variety of business purposes, as described above, in accordance with applicable privacy laws and regulatory requirements:

1. To our key shareholders, Board, subsidiaries, and/or the Group for our administrative purposes, including activities such as IT management, for them to provide services to you or support and supplement the Services we provide. 
2. To contractors, customers, data partners, brands, measurement companies, service providers, and other third parties we engage with for providing the Glance TV Platform and its services. 
3. To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, due diligence, financing, acquisition, or other sale or transfer of some or all of Glance assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which information held by Glance about Glance TV Platform users is among the assets transferred. 
4. To third parties to market their content, products, or services to you if you have not opted out of these disclosures. 
5. If an advertisement or monetization transactions are made available to you through advertising channels of Glance and/or its Group, Glance may share your data obtained by Glance with such advertising channels or Group for such advertising purposes. 
6. If we, in good faith, believe doing so is required or appropriate to comply with any court order, law, or legal process, including to law enforcement authorities and legal advisors or to respond to any government, national security, or regulatory request, or legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; or assist with an investigation or prosecution of suspected or actual illegal activity. 
7. To execute our obligations and enforce our rights arising from or in relation to any contracts including with respect to billing, collection, disputes. 
8. If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Glance, its Group, our customers, or others. 
    

5. Your Privacy Choices and Rights About Our Collection, Use, and Disclosure of Your Information

Your Privacy Choices.We strive to provide you with choices regarding the information you provide to us. This section describes mechanisms we provide for you to control certain uses and disclosures of over your information. You may elect to uninstall or disable from the Glance TV Platform or change your Television default screensaver from your OS settings, as applicable. In the event the Glance Platform is pre-loaded in your mobile device, please visit the settings page on your device to disable ‘Glance’ or ‘Glance Experience’ as made available under “Privacy” section on the settings page of your smart device.

• a. Interest-based advertising:You can opt out of receiving certain targeted ads by visiting the third parties’ websites; however, please note that these links may not reach all of our advertising partners and certain advertising may still be displayed to you. If you want to be certain that no interest-based advertisements will be sent to you, please visit your “Settings” page of your smart device, click on Google, click on “Ads”, then select “Opt out of interest-based ads” on your Android device or such other opt-out mechanisms made available on your Device. Please note that if you opt-out of interest-based advertising you will still receive “generic” ads from Glance.
• b. Surveys: Each survey that you participate in would provide for clear opt-out instructions including option to skip, which if elected will ensure that we do not include your device for that survey. Please note that if you opt-out of a survey you will still receive other survey requests.
• c. Tracking Technologies:When receiving an alert to permit or not to permit to be tracked, you can select “do not allow to be tracked” on your smart device. Such selection will disable the use of tracking technologies, some parts of the Glance Platform may then be inaccessible or not function properly. You may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, and others. The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, the European Digital Advertising Alliance, and the Digital Advertising Alliance of Canada .

Please note you must separately opt out in each application and on each device.

Your Privacy Rights. In accordance with applicable law, you may have the right to:

• Access Personal Information about you, including: (i) confirming whether we are processing your personal information; (ii) obtaining access to or a copy of your personal information;
• Request Correction of your personal information where it is inaccurate, incomplete or outdated. In some cases, we may provide self-service tools that enable you to update your personal information;
• Right not to be subject to automated decision making and profiling and request the review of such decisions.
• Request to Opt-Out of Certain Processing Activities including, as applicable, if we process your personal information for “targeted advertising” (as “targeted advertising” is defined by applicable privacy laws),  if we “sell” your personal information (as “sell” is defined by applicable privacy laws), or if we engage in “profiling” in furtherance of certain “decisions that produce legal or similarly significant effects” concerning you (as such terms are defined by applicable privacy laws); 
• Request Deletion, Anonymization or Blocking of your personal information when processing is based on your consent or when processing is unnecessary, excessive or noncompliant;
• Request Restriction of or Object to our processing of your personal information;
• Withdraw your Consent to our processing of your personal information. Please note that your withdrawal will only take effect for future processing and will not affect the lawfulness of processing before the withdrawal. Please note that when you withdraw your consent to processing of personal information, some features of our Service may not be available;
• Appeal our Decision to decline to process your request

If you would like to exercise any of these rights, please click here to raise request with us. We will process such requests in accordance with applicable laws. You may also reach out to us as set forth in “Contact Information” section.

6. Data Security

We process your personal data in a manner that ensures its appropriate security, including protection against unauthorized or unlawful processing, accidental loss, destruction or damage. We use appropriate technical or organizational measures to achieve this level of protection.

7. Data Retention Period

Glance may retain the personal information we collect as described in this Privacy Policy for as long as you use your Services, or as necessary to resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

Glance may retain the information it obtains about you as per the instructions of its customers or partners who provide such information or as required to fulfil our contractual obligations. In case any information is provided by you in participation of a survey, Glance will only retain your personal data for as long as necessary to fulfil the purposes it collected it for.

After the applicable retention period, Glance may retain and use such data in an aggregated format, as necessary for internal analytical purposes, to comply with its legal obligations, resolve disputes (including billing) and enforce agreements.

8. International Data Transfer

All personal information processed by us may be transferred, processed, and stored anywhere in the world, including, but not limited to, the United States or other countries, which may have data protection laws that are different from the laws where you live. We shall safeguard your information consistent with the requirements of applicable laws.

If we transfer personal information which originates in the European Economic Area, Switzerland, and/or the United Kingdom to a country that has not been found to provide an adequate level of protection under applicable data protection laws, one of the safeguards we may use to support such transfer is the EU Standard Contractual Clauses or such other legally prescribed contractual terms.

For more information about the safeguards, we use for international transfers of your personal information, please contact us as set forth below.

9. Supplemental state-specific privacy notice 

This Supplemental State-Specific Privacy Notice supplements our Privacy Policy and is required by the California Consumer Privacy Act, as amended (CCPA) and including without limitation as required under the Colorado Privacy Act, Connecticut Data Privacy Act, Utah Consumer Privacy Act and Virginia Consumer Data Protection Act. To the extent there are further U.S. State laws mandate similar requirements, this paragraph shall apply to such applicable users.

The categories of sources from which we collect personal information and our business and commercial purposes for using personal information are set forth in “Information We Collect and How We Collect it”, “ How We Use Your Personal Information”, and “Disclosure of Your Information” above, respectively. We will retain personal information in accordance with the time periods set forth in “Data Retention Period.” 

Authorized Agent. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. To designate an authorized agent, please contact us as set forth in “Contact Us” below and provide written authorization signed by you and your designated agent.

Verification. To protect your privacy, we will take the following steps to verify your identity before fulfilling your request. When you make a request, we will ask you to provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include asking you to answer questions regarding your account and use of our Services.

Additional Privacy Rights for Residents of certain countries or states which provide such rights

The right to know what categories of personal information Glance has collected about them, whether Glance disclosed that personal information for a business purpose (e.g., to a service provider), whether Glance “sold” that personal information, and whether Glance “shared” that personal information for “cross-context behavioral advertising” in the preceding 12 months. You can find this information below:

Category of Personal Information Collected by Glance	Category of Third Parties to Whom Personal Information is Disclosed for a Business Purpose	Category of Third Parties to Whom Personal Information is Sold and/or Shared
Identifiers. Unique personal identifier, online identifier or other similar identifiers.	Group	Advertising networks including the Group Data analytics providers including the Group.
Internet or other electronic network activity Information on a consumer's interaction with Glance application and advertisements on Glance.	Group	Advertising networks including the Group
Geolocation data General area inferred from IP address.	Group Service providers	N/A
Inferences drawn from other personal information User’s past interactions	Group	Advertising networks including the Group
Sensitive Personal Information
Precise Geolocation data	Group	N/A

According to certain regulations(s) that may be applicable to you, some of the aforementioned activities may be deemed to be “selling” or “sharing” your personal information to provide you with “cross-context behavioral advertising”.

For more information related to categories of information collected, disclosed and shared/sold for the creation of AI Looks via Glance AI app, please refer to the Glance AI App Privacy Policy. 

“Opting Out of “Sales” of Personal Information and/or “Sharing” for Cross-Context Behavioral Advertising under the CCPA.

California residents have the right to opt out of the “sale” of personal information and the “sharing” of personal information for “cross-context behavioural advertising.” California residents may exercise these rights by clicking on “Do not Sell or Share My Personal Information” or contacting us as set forth in “ Contact Us” below.

Disclosure Regarding Individuals Under the Age of 18. Glance does not have actual knowledge of any “sale” of personal information of minors under 18 years of age. Glance does not have actual knowledge of any “sharing” of personal information of minors under 18 years of age for “cross-context behavioral advertising.” 

Disclosure Regarding Sensitive Personal Information Glance may only use and disclose Sensitive Personal Information for the following purposes:

• To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services; for example, precise location data for precise weather update on the Application.

Non-Discrimination. California residents have the right not to receive discriminatory treatment by us for the exercise of their rights conferred by the CCPA.

If you are a California resident and would like to exercise any of your rights under the CCPA, please reach out to us as set forth in “ Contact Us” section.We will process such requests in accordance with applicable laws.

Accessibility This Privacy Policy uses industry-standard technologies and was developed in line with the World Wide Web Consortium’s Web Content Accessibility Guidelines, version 2.1. If you wish to print this policy, please do so from your web browser or by saving the page as a PDF. 

California Shine the Light. The California “Shine the Light” law permits users who are California residents to request and obtain from us once a year, free of charge, a list of the third parties to whom we have disclosed their personal information (if any) for their direct marketing purposes in the prior calendar year, as well as the type of personal information disclosed to those parties

Additional Privacy Rights for Residents of Colorado, Connecticut, Virginia and Utah Additional Privacy Rights for Residents of Colorado, Connecticut, Virginia and Utah and/or any other similar country-specific or state laws providing similar rights, as applicable from time to time:  

• Glance does not “sell” your personal information. We process your personal information for the purposes of “targeted advertising” as that term is defined under the Virginia Consumer Data Protection Act, Colorado Privacy Act, Connecticut Data Privacy Act and Utah Consumer Privacy Act or any other similar country- specific or state laws providing as applicable from time to time.
• Residents of Colorado, Connecticut, and Virginia can opt out of targeted advertising under Privacy Settings section in Glance Mobile App.  
• Glance does not engage in profiling of consumers in furtherance of automated decisions that produce legal or similarly significant effects, as those terms are defined under the Colorado Privacy Act and/or other legislations with similar requirements.
10. Children’s Information

The Services are not directed to children, and we do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided personal information to us without your consent, you may reach out to us as set forth in “Contact Us” section. If we become aware that a child has provided us with personal information in violation of applicable law, we will delete any personal information we have collected, unless we have a legal obligation to keep it, and terminate the child’s account. The applicable privacy laws of certain countries may require Glance to obtain and use parental control subscription information from your device to ensure compliance while working with our partners, such as carriers or service providers, and we will ensure that such requirements are honoured from our end to ensure compliance with applicable requirements. 

11. Supervisory Authority

If you are in the European Economic Area, Switzerland, the United Kingdom, Brazil, and Ecuador, you have the right to lodge a complaint with a supervisory authority if you believe our processing of your personal information violates applicable law. The following are links to the supervisory authorities in the EEA, Switzerland and UK: 

• EEA Data Protection Authorities (DPAs) 
• Swiss Federal Data Protection and Information Commissioner (FDPIC) 
• UK Information Commissioner’s Office (ICO) 
12. Third-Party Websites/Applications

The Services may contain links to other websites/applications and other websites/applications may reference or link to our Services. These third-party services are not controlled by us. We encourage our users to read the privacy policies of each website and application with which they interact. We do not endorse, screen, or approve, and are not responsible for, the privacy practices or content of such other websites or applications. Providing personal information to third-party websites or applications is at your own risk.

13. Changes to Our Privacy Policy

We may update our privacy policy from time to time. If we make material changes to how we treat our users’ information, we will post the new privacy policy on this page and attempt to notify you.

The date the privacy policy was last revised is identified at the top of the page. Subject to requirements of express consent under any applicable data privacy laws which we comply with, your continued use of the Glance TV Platform after we make changes is deemed to be acceptance of those changes, so please check the applicable policy(ies) periodically for updates.

14. Contact Us

To ask questions, exercise applicable data subject rights or comment about this privacy policy and our privacy practices, please e-mail us at privacy@glance.com

15. Order of Prevalence

Subject to applicable laws, the English language version of this policy will prevail over any other language version issued by us for your benefit.