PRIVACY POLICY

This Privacy Policy is implemented to describe how we collect, use, and share your information in connection with our websites and platforms (the “Site”) and any other online content, tools, or services that we control and that link to this Privacy Policy. This Site is operated by Seatig Inc. (“Seatig”) and has been created to provide tools, services, and information to our users (“you,” “your”), whether such content, tools and services are accessed on the Site or through third-party websites, mobile sites and/or applications (together with the Site, the “Services”). This Privacy Policy describes how Seatig collects, uses and discloses information from users to the Services, including personally identifiable data (“Personal Data”).

Please be sure to read this entire Privacy Policy before using or submitting information through the Services. By using or submitting information through the Services, you are indicating that you agree to the collection, transfer, manipulation, storage, disclosure and other uses of your personal data as described in this Privacy Policy and to be bound by the terms of this Privacy Policy.

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PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES:

We collect Personal Data from you when you voluntarily provide such information, such as when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services.

If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:

Demographic Data:

Contact data such as your name, address (including zip code), email, zip code, date of birth, social security number, driver license number, and phone number.

Financial Information:

Banking account information.

IT Infrastructural Information:

Server IP address and port number.

Account Registration:

If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users.

Feedback and Support:

If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us. We collect and use this data based upon our business need to receive and act upon your feedback or issues.

Surveys:

If you voluntarily submit certain information to our services, such as filing out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services and to collect relevant information about our business.

Other Information:

Information we may collect which is not specifically listed here is described in this Privacy Policy or is otherwise disclosed at time of collection.

For clarity, Seatig collects Personal Data from you to, in part, provide you with personalized content and information related to financial products, but Seatig is not a lender, credit card issuer, bank or other similarly situated financial institution. Any loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of the Services.

By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. You represent that the Personal Data you provide is true, accurate, current and complete, and that you have the authorization to provide it to us. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Seatig and the authorized third parties referred to herein located in the United States.

INFORMATION AUTOMATICALLY COLLECTED:

Whenever you interact with the Services, Seatig may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:

IP Addresses:

The requests you make to Seatig may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.

Device IDs:

We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.

Location Data:

We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.

Usage Information:

We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, the and the time, frequency and duration of your activities on the Site.

COOKIES, WEB BEACONS AND SIMILAR TECHNOLOGIES

In operating the Services, we may use cookies, web beacons and similar technologies. This Privacy Policy covers the use of cookies, web beacons and similar technologies by Seatig only. Uses of these technologies by third-party advertisers or websites linked from the Services, including third parties with which we partner, are governed by each such advertiser or website’s privacy policy.

Cookies & Analytics:

A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.

Turning Cookies On/Off:

If you’d like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. You can learn more about cookies and the following third-party websites: All About Cookies:  http://www.allaboutcookies.org/ Network Advertising Initiative:  http://www.networkadvertising.org/

Web beacons:

In addition to cookies, we may use web beacons (also known as “clear GIFs”) to measure traffic to or from or use of our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Data in order to provide you with more focused communications. Web beacons may be placed on the Service by third parties such as an analytics provider in order to support functionality described in this Privacy Policy. The information collected by these third parties in this manner is subject to that third party’s own privacy policies.

OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION:

Seatig uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. Generally, we may use information we collect in the following ways.

To identify and potentially personalize the Services when you visit our Site To provide products and services For fraud and information security To improve the Services To conduct analytics such as usage trends To respond to inquiries related to support or other requests To send marketing and promotional materials about the Services To manage our relationships To build aggregated user profiles and segments

For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.

Seatig and our subsidiaries and affiliates (the “Seatig Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services.

Partners and Third-Party Sources:

We may also obtain information about you from third-party sources, such as our partners. We may also, at your direction, receive information from third-party services that provide an ability to share information you have provided to the third-party through the use of an application program interface (API), such as Plaid. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

Marketing:

Seatig and Seatig’s financial providers with whom we share your information for product pricing may use your Personal Data to communicate with you by email or by text message to provide you with:

Information regarding your application status, or transactional information relevant to your account. Opportunities, surveys and promotions related to your submitted request available through the services or products of our financial providers that we think may be of interest to you. Information or content – such as articles or white papers – that we believe would be of interest to you through email or text messages.

Each marketing-related communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.

If Seatig intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

OUR DISCLOSURE OF YOUR PERSONAL DATA:

Seatig is not in the business of selling your information to third parties. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:

Certain Business Partners:

When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a grantor or capital provider if the information you provide matches certain criteria for grants, contracts, or loan products offered by such grantor or capital provider.

Business Transfers:

As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.

Related Companies:

We may also share your Personal Data with the Seatig Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties:

Seatig, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements:

Seatig may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of Seatig, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

OTHER IMPORTANT INFORMATION:

Your Choices:

In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.

Registration/Account Information:

If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current and complete information about yourself.

Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.

Exclusions:

This Privacy Policy does not apply to any Personal Data collected by Seatig other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to Seatig through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Seatig shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.

Children’s Privacy Online:

Seatig does not knowingly collect Personal Data from children under the age of 18. If you are under the age of 18, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a child under the age of 18 has provided Personal Data to Seatig through the Services, please contact us, and we will endeavor to delete that information from our databases.

Links To Other Websites:

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by Seatig (the “Third-Party Sites”). The policies and procedures we described here do not apply to the Third-Party Sites. The links from the Services do not imply that Seatig endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Security:

Seatig takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to Seatig via the Internet. By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing.

If you are, or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at  https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take.

Changes to Seatig’s Privacy Policy:

The Services and our business may change from time to time. As a result, at times it may be necessary for Seatig to make changes to this Privacy Policy. Seatig reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

New Uses of Personal Data:

From time to time, we may desire to use Personal Data for uses not previously disclosed in our Privacy Policy. If our practices change regarding previously collected Personal Information in a way that would be materially less restrictive than stated in the version of this Privacy Policy in effect at the time we collected the information, we will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.

How We Respond to “Do Not Track” Signals:

Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

YOUR CALIFORNIA PRIVACY RIGHTS:

California Consumer Privacy Act (CCPA)

Data collected through the Site at this time is not within the scope of CCPA. If in the future we collect data that is in scope of CCPA, we will notify you and update this Privacy Policy as appropriate.

CONTACTING SEATIG:

To keep your Personal Data accurate, current and complete, please update promptly in your account management or contact us using the messaging functionality on the site.