LiftForward, Inc. a Delaware corporation, together with its applicable subsidiaries, affiliates, assignees, and successors (collectively, "LiftForward", "we", "us" or “our”) are committed to your personal privacy and your security online. This policy describes the ways we collect, use, share and protect your personal information.

Information We Collect About You

We collect information about you in three ways:

(I) Information You Provide: When you use LiftForward’s website, including applying for a loan, you will generally be required to provide personally identifying information, which may include your e-mail address, name, address, telephone number and Social Security Number, as well as financial information, which may include income, employment and bank account information. You may also have to provide certain documents to verify the information you provide.

(II) Information from Third Parties: Third parties, such as credit bureaus, may provide us with information on you. We may combine this information with information we already have about you to evaluate your loan application, to create or offer personalized products and services for you, or for similar purposes.

 (III) Information from Your Use of the Website: We may collect additional user behavior information during your use of the website. This may include device information (such as your internet protocol address), log information (such as pages visited), location information (such as your geographical location), and other information (such as cookies and anonymous identifiers).

We will retain your information for as long as needed to provide you services or as necessary to comply with our legal obligations and our backup, archival and audit procedures.

How We Use Information We Collect

Information we collects from you may be used in one or more of the following ways:

·       To provide you with products and services, including in determining your eligibility for a loan;

·       To verify your identity and age as well as to guard against potential fraud;

·       To obtain, with your authorization, third-party data from credit bureaus or others in connection with your loan application;

·       To personalize your experience using the website;

·       To provide customer service;

·       To enable our service providers to provide you with services, such as funds transfers, billing, payments, and collection activities as needed;

·       To send you regular communications, including information and updates pertaining to your loan as well as news, updates, and related product or service information;

·       To improve our products and services and identify, develop or offer new products and services;

·       For our marketing purposes to offer our products and services to you;

·       To enforce agreements with you;

·       To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request; and/or

·       To fulfill any other purpose for which you provide it or otherwise give your consent.

Information We Share

We may share information with third parties in the course of running our business, including:

·       Any investor(s) who purchase your loan;

·       Service providers who assist with parts of our operations, such as loan servicers, technology providers, payment processing providers, credit bureaus, collections agencies, and other service providers;

·       Credit bureaus to report account information, as permitted by law;

·       Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to;

·       Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure or we need to do so to comply with law; and

·       Other third parties but only if you consent or direct us to do so.

LiftForward will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described above. Information that has been made anonymous so that it does not identify a specific user is not considered personal information and we may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors.

Federal and state laws allow you to restrict the sharing of your personal information in certain instances such as sharing your information so that third parties can market to you. However, because we will not share your information in these instances, there is no need for you to opt-out from this kind of information sharing.

How We Protect Your Information

LiftForward is committed to safeguarding your personal information through various industry standard policies and practices.

We protect your account security by employing session time-outs, which log you out of the website after a specified period, and by employing secure password practices, including password strength requirements and secure password reset procedures. Your password is not known to any employee or service provider of LiftForward.

We protect your data in our care by storing sensitive personal and financial information, such as bank account numbers, in a secure, off-site, hosted environment, which can only be read or written though defined service access points which are password-protected and accessible only to employees and service providers with a permitted need to access such information.

We also protect your information in transit by employing Secure Socket Layer (SSL) certificate technology which encrypts all data entered into our website and ensures the connection is secure. As an additional measure, we also require a 128-bit secure browser for logins and transactions.

Communications from Our Site

When you register on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and bank accounts, and confirmation of successful submissions of funding requests and portfolios. You will also receive progress updates on the status of funding requests and submitted portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you participate, we will request certain personal information from you. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code and type of business). If you do not wish to receive these offers, surveys or user feedback emails, please opt out in any offer email you receive from us by following the unsubscribe instructions included in these emails.

LiftForward will send you email notifications from time to time, and these are required elements of your transactions on our web site, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a customer or investor, or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements or site policies. Generally you may not opt out of these service related emails.

Cookies and Other Technologies

We use various technologies to collect and store non-personally identifiable information when you use the website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including web beacons, clear GIFs, pixel tags and other means. LiftForward may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.

Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser’s “Help” section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser’s settings regarding cookies. Please note that without cookies, you may not be able to take full advantage of all of the website’s features.

We may use cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about website traffic and website interaction so that we can offer better website experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our website visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.

Behavioral Targeting / Re-Targeting

We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Local Storage Objects (HTML 5)

We and our third party partners use Local Storage Objects (LSOs) such as HTML5 to store authentication data and data related to site operations. Various browsers may offer their own management tools for removing HTML5 LSOs.

Social Media Widgets

Our Web site includes Social Media Features, such as the Facebook and Twitter button. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it. The presence of social media buttons (such as Facebook, Twitter or LinkedIn) or other hosted mini-applets on your site requires the accompanying disclosure.

Links to Third-Party Websites

The website may also contain links to websites that are not controlled or operated by us. This policy does not apply to such third-party websites and LiftForward is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third-party websites.

Children’s Privacy

The website is intended for persons 18 years of age and older. We do not knowingly collect personal information from persons under 18 years of age. Accordingly, the provisions of the Children’s Online Privacy Protection Act do not apply to the website. We encourage all parents and guardians to talk to their children about online safety and privacy and to monitor their children’s use of the internet and mobile applications.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state charged with overseeing privacy rights for consumers.

Modifications to This Policy

LiftForward reserves the right to make changes to this policy at any time and from time to time and by using or accessing the website, you agree that we may modify this policy at any time without prior notice. Any modification is effective immediately upon posting on the website. Your continued use of the website after any modification of this policy indicates your acceptance of the modification and the policy as so modified. You will know if this privacy policy has been modified since your last visit to the website by referring to the last modified date at the end of this page. Notwithstanding the above, we will seek your consent to future modifications to the extent we are required to do so by applicable law.

How You Can Contact Us

You may email us at support@LiftForward.com to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you have questions or concerns regarding this policy, please contact us by emailing us at

support@LiftForward.com.

This privacy policy was last modified on April 21, 2018.

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