LendUp Global, Inc. Privacy Notice

Effective date: August, 2021

LendUp Loans, (“LendUp” or “we, us, ours,”) respect your privacy and are committed to protecting your personally identifiable information (“PII”) that may be collected through your use of our website or mobile application (together, “Site”) or in applying for or receiving any of our products or services (“Services”). This privacy notice (“Notice”) describes how we collect and use your PII and how you can control that use.

Please read this Notice carefully. By using our Site or Services, you agree to our collection, use, and sharing of your PII as described in this Notice.

Information that We Collect

Through your use of our Site and Services, we may collect PII, which is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a specific consumer. PII may include, but is not limited to, your first and last name, physical address, Social Security number, phone number, date of birth, and checking account information. We collect the following types of information:

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Third Party Data Collection

Some content or applications on the Site may be provided by third parties, including advertisers, ad networks and servers, analytics companies, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you use our Site. The information they collect may be associated with your PII or they may collect information, including PII, about your online activities over time and across different websites and other online services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. Some of these third parties may provide you with ways to choose not to have your information collected or used for targeted advertising.

Additionally, by allowing LendUp to connect you with third-party lenders, you consent to LendUp providing your PII to those third-party lenders. We do not control these third-party lenders’ websites or how they may be used and any third-party lenders’ use of your PII is governed exclusively by your agreements with those lenders.

What Does LendUp Do with Your Personal Information?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this Notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Transaction histories Credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. Please refer to the information below in which we list the reasons financial companies can share their customers’ personal information; the reasons LendUp chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does LendUp share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes — to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	Yes
For our affiliates' everyday business purposes— information about your transactions and experiences	Yes	Yes
For our affiliates' everyday business purposes— information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For non-affiliates to market to you	Yes	Yes

To Limit our Sharing

Federal law gives you the right to limit some but not all marketing from our affiliates. You may limit our affiliates, joint marketers, and non-affiliates from marketing their products or services to you based on your personal information that we collect and share with them. This information includes transaction and experience information, but also the type of information found in consumer reports, such as information from third party sources and credit scores.

Note: For new customers, we may begin sharing your PII no sooner than thirty (30) days from the date we provided this Notice. If at some point you no longer use our services, we may continue to share your information only as explained in this Notice.

Your choice to limit marketing offers from our affiliates will apply until you tell us to change your choice. To limit marketing offers from our affiliates, joint marketers or non-affiliates:

• E-mail us at consumerprivacy@lendup.com and indicate that you do not want us sharing your personal information with our affiliates, joint marketers or non-affiliates; OR
• Call toll-free 1-855-253-6387 Monday through Friday between 8 A.M. and 5 P.M. Pacific to opt-out of sharing your personal information with our affiliates, joint marketers or non-affiliates.

We reserve the right to share information, including the sale of PII, with third parties, as described below:

• Service Providers: We may share information with service providers that help us perform functions and process your transactions.
• Joint Ventures: We may share information with joint ventures.
• Other Companies: We may share information with other companies for purposes of marketing our products to you or for analyzing our business and transactions.
• Third Parties: We may share information with third parties, including third-party lenders, for purposes of providing lending option to you and for the third parties to market their products to you.
• Corporate Structure: We may share information in connection with a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation.
• To Prevent Harm: We may share information if we believe it is necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person.
• As Required by Law: We will share information where we are legally required to do so, such as in response to court orders or legal process, to establish, protect, or exercise our legal rights, to defend against legal claims or demands, or to comply with requirements of mandatory applicable law.
• With your Consent: We may request your permission to share your PII for a specific purpose. We will notify you and request consent before you provide the PII or before the PII you have already provided is shared for such purpose.
• Without Identifying You: We may share information in a manner that does not identify you. For example, we may share anonymous, aggregate information about your use of our Site and products with our service providers.
• Texas Residents: We will share your information with the lender with whom you apply using our Services.

How We Use and Share Information

We use PII we collect in the following ways:

• Process Transactions: We use PII to provide our Services.
• Communicate: We use PII to communicate with you about our Site and Services. This may include information that you have requested or notification of important changes to our Site and Services.
• Marketing: We may occasionally send you information about products and services that we believe will be of interest to you. Third parties with whom we have shared your information may also market their products to you on occasion. During any such communication, we or the third party will provide you with the option not to receive any future marketing communications.
• Specific Purposes: You may be asked to provide information for a specific purpose. For example, if you participate in our referral program, you will be asked for information about your contacts. We will only use the information that you provide for the purpose for which you provided it to us.
• Customer Support: We may use your PII to provide you support or other services you have requested. For example, we may need your information in order to provide technical support or answer questions about your account.
• Post Testimonials: If you choose to tell us your story or otherwise give a testimonial about your LendUp experience, we will review such information and may post such testimonials on our Site along with your name and any other PII that you choose to disclose on your testimonial. By submitting a testimonial, you consent to posting any information and content, including video content, you provide in such testimonial on our Site. If you submit a testimonial, you may revoke such consent at any time by calling 1-855-253-6387.
• Site Maintenance: We analyze how our users interact with our Site and Services in order to maintain and improve our Site and Services. We also use certain information that we collect to diagnose any problems with our Site or Services to improve the user experience.

Correction

If your PII changes, or if you no longer desire our Service, you may correct, update, or request that we delete your PII by contacting us at: 1-855-253-6387 or help@lendup.com. If you have an account with us and your account is in good standing, you may also correct or update your PII by logging into your account on our Site and updating your information there.

Security

The security of your PII is important to LendUp. We maintain reasonable physical, technical, and administrative security measures to protect against unauthorized access to our systems including, but not limited to, firewalls and data encryptions. Additionally, we enforce physical access controls to our facilities and your personal information is only available to authorized employees as job responsibility required. If you have any questions about LendUp’s security of PII, please contact 1-855-253-6387.

Other Websites

The Site may contain links to or links from third-party sites that are not owned or controlled by LendUp. We have no control over the content, privacy policies, or practices of any third-party site. You are subject to the policies of those third-party sites where applicable. We encourage you to review the privacy policies of these third-party sites before you disclose your PII.

Browser Do Not Track

The Site is not currently configured to respond to Do Not Track signals.

Children’s Privacy

Our Site and Services are not intended for use by children. If we learn that PII has been collected from a child under the age of 13, we will promptly take reasonable steps to delete the information from our systems. If you believe that LendUp has mistakenly or unintentionally collected information from a child under the age of 13, please contact 1-855-253-6387.

Applicable Law

This is a United States-based Site that is subject to United States law. This Site is controlled, operated, and administered by LendUp from its offices within the United States of America. This Notice is provided in accordance with and subject to applicable U.S. law. If you are accessing this Site from a location outside the United States, you hereby agree that your use of this Site and our collection and use of your PII is subject to this Notice.

Updates to this Notice

We reserve the right to modify this Notice at any time, so please review it frequently. If we decide to make material changes to this Notice, we will post those changes to this Site in a manner that we deem is appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. You agree to these future updates by continuing to use our Site or Services after they have been posted. You can always obtain a copy of the most updated Notice by accessing our website at: www.lendup.com/privacy.

About Us

Who we are
Who is providing this Notice?	LendUp Loans LLC and LendUp Global, Inc.

What we do
How does LendUp protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LendUp collect my personal information?	We collect your personal information, for example, when you: Request that we provide your PII to a third-party lender Enter into new transactions Give us your updated contact information We also may collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: Sharing (including selling) your information with third parties Sharing for affiliates’ everyday business purposes—information about your creditworthiness Affiliates and third parties from using your information to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account – unless you tell us otherwise.

Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.	Our affiliates include financial companies such as: LendUp Loans, LLC LendUp Global, Inc.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.	LendUp may share (including sell) your information with non-affiliates so they can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.	LendUp may jointly market.

Other important information

CA Residents: We will not share your information with non-affiliated third parties except as permitted by California law. For example, we may share certain information with affiliates or third parties that perform services on our behalf or with your consent. We will limit sharing with our affiliates to the extent required by California law. See our California Privacy Policy for more detail on what information we may share. NV Residents: We are providing you this Notice under state law. If you prefer not to receive marketing calls from LendUp, you can be placed on our internal Do Not Call List by calling us at 1-855-253-6387. If you would like more information about our telemarketing practices, you may contact us at LendUp, 1750 Broadway, Suite 300, Oakland CA 94612 or help@lendup.com. For more on this Nevada law, contact Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; call 702-486-3132; or email BCPINFO@ag.state.nv.us.