Amy ter Haar is CEO of Flow Inc., a reward-based marketplace driven by social networks and powered by secure m-payment solutions. As a legal and business adviser, she has experience in multiple sectors including IT (research, design and development), financial services, e-commerce, entertainment, manufacturing and retail. Amy founded the Personal Data Protection Initiative, and actively lectures on emerging digital payment systems as well as privacy, secrecy and censorship. She is a member of the Law Society of Upper Canada and a graduate of Western University’s Faculty of Law. Contact her at email@example.com.