Privacy Policy

Introduction and Definitions

Earnest Bridge (as defined below) provides financial products and services solely for business or commercial purposes to sole proprietorships, businesses and other entities ("Commercial Customers"). Our services are not directed to or intended for individuals under 18 years of age.

Contact us if you believe that we have mistakenly collected personal data from someone who is not allowed to use our services or who intends to use financial products and services from Earnest Bridge for personal, family, or household purposes and we will delete this information immediately unless we are legally required to keep it. This Policy will apply to all Affiliates of Earnest Bridge, now existing or hereafter arising.

This Policy applies to you, whether you are a current, past or prospective Commercial Customer. It also applies to third parties whose Company Information you provide to us in connection with our relationship with you (for example, the names of company's officers). Please ensure that you provide a copy of this Privacy Policy to any third parties whose Company Information you provide to us.

For purposes of this Policy, "Company Information" means any information about a Commercial Customer from which the Commercial Customer could be identified, whether obtained directly from the Commercial Customer or from another source. Company Information may include, but is not limited to: (a) company name, your contact information such as name, email address, mailing address, phone number; (b) physical address, including street name and name of city or town; (c) email address or other electronic contact information; (d) telephone number; (e) tax identification number; (f) credit history; (g) bank or credit card account number; (h) financial statements; (i) information about officers, directors, and other control persons; and (j) any other information from or about a Commercial Customer. However, the following is not considered Company Information: (a) aggregated or anonymous information that does not identify a customer and (b) information that Earnest Bridge obtains from a public source (or knows to be available from a public source).

"Earnest Bridge" and "we" in this Policy means Earnest Bridge LLC, a Delaware limited liability company. "Website" in this Policy means earnestbridge.com. "Affiliates" in this Policy means companies related by common ownership or control. They can be financial and nonfinancial companies. "Nonaffiliates" in this Policy means companies not related by common ownership or control. They can be financial and nonfinancial companies and could include insurance companies, mortgage companies, credit card companies and direct marketing companies.

Earnest Bridge LLC may make changes to this Policy from time to time. It is available to you at the Privacy Policy page. Under certain circumstances (i.e., with respect to material changes to this Policy), we may also elect to notify you through additional means, such as by posting a notice on the Website or sending you an email. We encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Services, you are confirming that you have read and understood the latest version of our Privacy Policy.

Information Collected

In order for us to provide the product or service you have requested of us, to give you information on financial products and to facilitate third party financing for you, we need to collect and process Company Information about you. If you do not provide the Company Information we need, we may not be able to provide our services to you.

The purpose of processing your Company Information:

• To give you information on and obtain offers of financial products for you from third parties.
• To fulfill your requests for certain products and services.
• To third-party contractors that provide services to Earnest Bridge and are bound by these same privacy restrictions.
• To comply with legal and regulatory requirements including Anti-Money Laundering and Sanctions compliance, to combat fraud and to protect your Company Information.
• To understand how people interact with our Website, to enhance your user experience and to provide technical and customer support.
• To carry out and determine the effectiveness of advertising, and of marketing campaigns.
• Other purposes for which we seek your consent.

We may gather and retain Company Information about Commercial Customers from the following sources:

• Applications or other forms that you provide to us;
• Account activity and transactions (such as payment history, account balances, customer support requests, feedback, and usage);
• Credit-related information from credit reporting agencies;
• Information from Website visits (such as content or other information that you may provide or create when you interact with our Website, usage and transaction history, and other technical data that we use for security purposes and to enhance the online experience). For example, we collect IP addresses to track and aggregate non-personal Company Information, such as using IP addresses to monitor the regions from which users navigate to our Website. We also collect IP addresses from users when they log into the Website as part of our log-in and security features.
• Information we receive upon your consent from third parties such as banks, providers of accounting software, payment processors and other entities.

Our services may change over time and we may introduce new features that may collect new or different types of Company Information. If we have Company Information from you or Company Information that is available from other sources, including from third parties from both offline and online sources, we may use it in combination with the information that we have collected through our Website. We can use this information to better tailor and personalize our services and communications to you, both online and offline, and for any other purpose that complies with applicable law and regulation.

By submitting your Company Information, you expressly authorize Earnest Bridge and any of its Affiliates to use that Company Information in accordance with their respective privacy policies. Any Company Information that Earnest Bridge collects is kept as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required by law or our recordkeeping policies and practices. When we no longer have reason to retain your Company Information it will be destroyed or anonymized in a manner designed to preserve its private and confidential nature, however archival copies may be impossible to delete.

Sharing of Company Information

Earnest Bridge shares Company Information among and between all of its Affiliates. You may not opt-out of this sharing.

Earnest Bridge may share Company Information with Nonaffiliates in order to offer you additional products and services. You have the right to opt-out of such sharing, as described below in "How To Change Your Privacy Options."

Earnest Bridge may also disclose Company Information to Nonaffiliates for routine business purposes, including but not limited to website design, sending email communications, fraud detection and prevention, customer care, or performing analytics. For example, Earnest Bridge may disclose Company Information to service providers and other third parties as necessary to facilitate a transaction requested by a Commercial Customer, or to report to credit bureaus, or to organizations or firms who provide consulting, technology or other services for us and agree to maintain its confidentiality, to only act on our behalf and under our instructions, and to not use Company Information for purposes other than the product or service they are providing to us or on our behalf.

Please be aware that third-party websites accessible or recommended through our Services may have their own privacy and data collection policies and practices. These links and features are provided for your reference and convenience only and do not imply any endorsement of information provided through these third-party links and features, nor any association with their operators. We are not responsible for any actions, content of websites, or privacy policies of such third parties. We urge you to read the privacy and security policies of these third parties.

Earnest Bridge uses Plaid Inc. ("Plaid") to gather your data from financial institutions. By using the Website, you grant Earnest Bridge and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.

We restrict access to your Company Information to our employees and to permitted third-parties who need to know that information to provide products or services for us, or to provide, process, or maintain any security, account, or financial product, service or program for you or your benefit.

Earnest Bridge may also disclose Company Information to Nonaffiliates in response to a subpoena, warrant, or court order, or as otherwise required or advisable considering applicable law or regulation. You may not opt-out of this sharing. Further, Earnest Bridge may disclose Company Information to its banking, securities, or other regulators without any prior notification or any other restriction.

We may also use and share Company Information that we collect on an aggregate or anonymous basis (such that it does not identify any individual users) for various business purposes with Nonaffiliates, where permissible under applicable laws and regulations. Only in a way that would not allow you or any other person to be identified, we may prepare and share anonymized Company Information with third parties, such as banks, financial companies, advertisers or partners, for purposes of identifying and informing you about financial products available for you as well as for research, academic, marketing and/or promotional purposes. If you are a California resident, we will not share your Company Information with third parties for their marketing purposes without your consent.

When you visit or log in to our website, cookies and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email. We (or service providers on our behalf) may then send communications and marketing to these email addresses. You may opt out of receiving this advertising by visiting https://app.retention.com/optout.

Security

To protect your Company Information from unauthorized access and use, Earnest Bridge uses security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. In the event of a data breach involving your Company Information, we will notify affected parties in accordance with applicable state and federal laws.

Your U.S. State Privacy Rights (California, Colorado, Connecticut, Virginia, Utah)

Residents of California, Colorado, Connecticut, Virginia, and Utah may have certain rights regarding their personal information. These may include the right to:

• Access specific personal information we hold about you;
• Request correction or deletion of that information;
• Opt out of the sale or sharing of your personal information;
• Opt out of targeted advertising;
• Appeal denials of your privacy requests;
• Not be discriminated against for exercising privacy rights.

You can opt out of the sale or sharing of your personal information by contacting us or by enabling the Global Privacy Control (GPC) signal in your browser.

The CCPA sets forth certain obligations for businesses that "sell" personal information. Based on the definition of "sell" under the CCPA and under current regulatory guidance, we do not believe we engage in such activity and have not engaged in such activity in the past twelve months. We share certain information as set forth in the Sharing of Company Information section, above.

California Shine the Light Disclosure

The California "Shine the Light" law gives residents of California the right under certain circumstances to opt out of the sharing of certain categories of personal information (as defined in the Shine the Light law) with third parties for their direct marketing purposes. We do not share your personal information with third parties for their own direct marketing purposes within the meaning of that law.

Do Not Sell or Share My Personal Information

We may share personal information with third parties, such as advertising or analytics providers, which could be considered a "sale" or "sharing" under state privacy laws. You have the right to opt out of such practices. You can opt out of the sale or sharing of your personal information by contacting us or by enabling the Global Privacy Control (GPC) signal in your browser.

Earnest Bridge does not share, sell, or disclose phone numbers, SMS opt-in data, or message content to unaffiliated third parties for marketing or promotional use.

Data Retention

We retain Company Information only for as long as is necessary to fulfill the purposes outlined in this Policy, or as required by law. When we no longer have a legitimate need to retain it, we will delete or anonymize the data in a secure manner.

Security Breach Notification

In the event of a data breach involving your Company Information, we will notify affected parties in accordance with applicable state and federal laws.

SMS / Text Messaging Policy

SMS Communications

By providing your phone number, you consent to receive SMS/text messages from Earnest Bridge for purposes including account updates, transaction alerts, and marketing communications. Message frequency may vary. Message and data rates may apply.

Opt-Out

You can opt-out at any time by replying "STOP" to any message you receive from us. After you send "STOP," we may send a confirmation SMS to confirm your unsubscribe request. You may also request removal by contacting us at deals@earnestbridge.com.

Help

For help, reply "HELP" to any message or contact us at deals@earnestbridge.com.

Third-Party Services

We may use third-party service providers (such as JustCall) to transmit SMS messages. Your carrier and these providers may access limited information as needed to provide messaging services.

Privacy & Data Use

We collect and store your phone number, SMS opt-in status, and related message metadata in order to provide SMS communication. We do not share or sell your SMS consent or phone number with unaffiliated third parties for their marketing purposes.

Earnest Bridge does not share, sell, or disclose phone numbers, SMS opt-in data, or message content to unaffiliated third parties for marketing or promotional use.

Use of Artificial Intelligence and Automated Tools

We may use automated technologies, including artificial intelligence ("AI") and machine-learning tools, to assist in providing, maintaining, and improving our services. These tools may be used to analyze, review, summarize, classify, or extract information from data and documents that you provide to us.

How We Use AI

AI tools may be used for purposes such as:

• Document review, analysis, or summarization
• Improving accuracy, efficiency, and quality of our services
• Internal research, quality assurance, and operational support

Data Handling and Safeguards

We take reasonable steps to protect your information when using AI tools, including:

• Limiting AI use to purposes consistent with this Privacy Policy and our services
• Using AI providers that offer appropriate confidentiality, security, and data-protection safeguards
• Configuring AI tools, where available, to minimize data retention and prevent use of your information for model training unrelated to our services

Your Rights

You have the right to:

• Request access to or deletion of your AI-generated information
• Opt out of AI-based services

Data Sharing with AI Providers

In some cases, your information may be processed by third-party AI service providers acting on our behalf. These providers are permitted to use the information only as necessary to provide services to us and are subject to contractual obligations regarding confidentiality, security, and data protection.

Sensitive and Regulated Information

We do not knowingly use AI tools to process sensitive personal information (such as health, financial, or government-issued identification data) except where:

• You have provided explicit consent, or
• Such processing is permitted or required by law and subject to appropriate safeguards

Your Choices

If you have questions about our use of AI or wish to request limitations on the use of automated tools with respect to your information, you may contact us using the information provided in the "Contact Us" section of this Privacy Policy.