E-consent

IT IS TO BE NOTED THAT THIS CONSENT IS REQUIRED BY LENDERS WITH WHOM YOU WILL BE CONNECTED. THIS CONSENT DOES NOT BY ANY MEANS BRING THE OWNER OF THE WEBSITE INTO AN AGREEMENT (BETWEEN YOU AND OWNER) THAT IS GOVERNED BY THE COURT OF LAW. THE OWNER OF THIS WEBSITE DOES NOT GUARANTEE OR ASSURES ANYTHING AFTER THIS CONSENT COMES INTO EFFECT. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.

Please read this information carefully and print a duplicate and/or retain this information for future reference.

Introduction

In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender notifies you of your rights when receiving electronic disclosures, notices, and information. By tapping on the link/ button assenting to this notice, you acknowledge that you received this E-Consent and that you consent to direct transactions utilizing electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper by contacting the third party lender directly. The lenders will provide paper copies at no charge.

The scope of Consent

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site's third party vendors.

Credit Check

The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, advanced mobile phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact amid every single online interaction with you electronically. The lender may likewise send you notices electronically related to its interactions and transactions. Disclosures might be provided online at our or third-party lenders' websites and might be provided by e-mail.

Consenting to Do Business Electronically

Before you decide to work together electronically with the third party lenders, you ought to consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:

• Internet access with 128-bit encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print
• Internet Explorer 8 or higher
• Email Access
• Firefox version 3.6 or higher

Withdrawing Consent

Your E-Consent for our third-party lenders' consideration of your coordinating request can't be pulled back because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to pull back your E-Consent with those third-party lenders whenever and at no charge. However, in the event that you pull back this E-Consent before receiving credit, you might be prevented from acquiring credit from that lender. Contact the third party lender directly on the off chance that you wish to pull back this E-consent. If you decide to pull back this E-Consent, the legal effectiveness, legitimacy, and enforceability of prior electronic Disclosures won't be affected.

Change to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update via mail.

YOUR ABILITY TO ACCESS DISCLOSURES

BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

DO NOT SELL MY PERSONAL INFORMATION

Your Rights Under the CCPA.

General Information If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summarizes the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.

Categories of Personal Information We Collect We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device ("Personal Information"). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health-related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.

We collect the following categories of Personal Information:

• Identifiers - First and last name, Mailing address (including length at address), Telephone number (including best time to call), Email address, Birth month and date, Military affiliation, Social Security Number, Zip code, Driver's License, Internet Protocol (IP) Address
• Personal Information Listed in the California Customer Records Statute
• • The above identifiers
  • Employment information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability, Work phone number
  • Employment information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability, Work phone number
  • Financial information - Auto status, Own/rent car, Own/rent home, Bank name, Bank account type (checking or savings, Bank account number, Bank routing number, Length at bank, Loan amount, Loan purpose, Debt amounts (including mortgage debt, auto debt unsecured debt, tax debt, secured debt, student loan debt, medical debt, payday loan debt, personal loan debt), Primary income source
• Characteristics of Protected Classifications - Age, Military affiliation
• Commercial Information - Information about your debt history, Information about your assets
• Biometric Information - Not collected
• Internet or Other Electronic Network Activity Information - Cookies, Domain name, Browser type and version, Operating system, Usage data, visit frequency, referring affiliate information, Referring ad campaign, Time on site, Source URL, Redirect URL
• Geo location Data - Information that tells us from where you access our website
• Sensory Data - Not collected
• Professional or Employment-Related Information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability
• Non-public Education Information - Degree attained, Education level, Graduation year
• Inferences Drawn from Other Personal Information - Your potential preferences for lending services, debt relief services, or other financial services

Categories of Sources of Personal Information We collect information from the following categories of sources:

• Directly from you. For example, when you complete online forms or access our Website to utilize our services.
• Third Parties. For example, when we receive data from an aggregator, marketer, lead generator, referring website or advertising campaign.

How We Share Your Personal Information We share information in each of the above categories as follows:

• All categories of information
• • We will share information in all of the above categories if our company is sold or we engage in a merger or other such transaction.
  • We will share information in all of the above categories of information in connection with a law enforcement request that is compliant with the California Electronic Communications Privacy Act.
• Identifiers
• • We share identifiers with service providers who use that information only to provide services to us such as shipping, name and address verification, email distribution and promotions management.
  • We share identifiers with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
• Personal Information Listed in the California Customer Records Statute
• • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
• Characteristics of Protected Classifications
• • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
• Internet or Other Electronic Network Activity Information
• • We share this information with our data analytics providers
  • We share this information with Service Providers to track referrals and ad campaign activity.
• Professional or Employment-Related Information
• • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
• Non-public Education Information
• • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.
• Inferences Drawn from Other Personal Information
• • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

How We Use Your Information See "What We Do with the Information We Collect" above to learn how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

How We Retain and Store Your Personal Information We retain your personal information for as long as necessary to fulfill the purpose(s) for which we collected it and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage.

Requests to Know You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
• • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Requests to Delete You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Non-Discrimination We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Authorized Agent California residents can empower an "authorized agent" to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority

How to Submit Your Request for Specific Information You can request access to specific information we have about you by sending an email with the Subject Line "CCPA Right to Know" to contact@finbino.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion by sending an email with the Subject Line "CCPA Right to Request or Delete Information" to contact@finbino.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line "CCPA Do Not Sell My Information" to contact@finbino.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

DO NOT SELL MY PERSONAL INFORMATION However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested