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Analytics Cookies:

• You can opt-out of The Conversion Cloud tracking by adjusting your cookie preferences in our cookie banner
• Most browsers allow you to block third-party cookies through privacy settings

Note: Blocking some of cookies, especially strictly necessary cookies may affect website functionality.

1. Third-Party Cookies and services disclaimers:

Important Notice Regarding Third-Party Data Practices:

Each third-party service provider operates as an independent data controller with respect to the personal information they collect through cookies. We do not control, and are not responsible for, the data practices of these third parties.

To understand how these third-party providers collect, use, store, and share your personal information, as well as your rights regarding such data (including rights to access, deletion, and opt-out), you must review their respective privacy policies by visiting the links provided above. Each provider’s privacy policy will detail:

• The types of data they collect through cookies
• How they use and process your information
• Your legal rights under applicable data protection laws (including GDPR, CCPA, and other regulations)
• How to exercise your rights, including opt-out mechanisms
• Their data retention policies
• How to contact them regarding privacy concerns

We encourage you to carefully review these third-party privacy policies before consenting to non-essential cookies on our website. If you have questions about a third party’s data practices, you should contact that provider directly using the contact information provided in their privacy policy.

Disclaimer Regarding Third-Party Privacy Policy Links:

While we make reasonable efforts to provide current and accurate links to third-party privacy policies, we cannot guarantee that these links will remain active or current at all times. Third-party service providers may update, relocate, or modify their privacy policy pages without notice to us. The links provided above are believed to be correct as of the date this policy was last updated.

If you encounter a broken or outdated link, or if you prefer to independently verify the privacy policy of any third-party service, we recommend:

• Visiting the third-party provider’s official website directly
• Conducting a web search using terms such as “[Provider Name] privacy policy”
• Contacting the third-party provider directly for the most current privacy policy information

We disclaim any responsibility for the accuracy, accessibility, or content of third-party privacy policies or the links provided to access them.

6.ADVERTISEMENTS.

In the past and/or in the present time, our website:

Does NOT Have Advertisements. We do not have display ads or any 3^rd party paid affiliates on our website.

7.HOW WE USE PERSONAL INFORMATION.

We may use or disclose your Personal Information for the following purpose: (check all that apply)

Offerings. To provide products, services, and offerings that serve the best-matched advertisements;

Alerts. To provide e-mail alerts and other communications regarding our products, services, and offerings that may be of interest or that you registered to receive;

Obligations. To carry out any obligations for paid products, services, offerings, or any obligations under our terms and conditions or terms of use;

Feedback. To get feedback on website improvements and generally provide an overall better experience;

Testing. For testing, research, and analysis, of user behavior on the website;

Protection. To protect against fraud, safeguard data, and the general security of the website;

Security. To detect security incidents, verify human users, and avoid being subject to malicious, deceptive, fraudulent, or illegal activity;

Law Enforcement. To respond to law enforcement requests as required by applicable law, court order, or governmental regulations;

Intended Purpose. As described for the intended purpose when collecting your personal information; and

Assessment. To evaluate or conduct a merger, divestiture, restricting, reorganizing, dissolution, or outright sale, either wholly or partially, of our assets in which your Personal Information becomes a part of such sale.

Our usage of your Personal Information may change over time, and when such changes occur, we will update this Policy accordingly.

8.SHARING PERSONAL INFORMATION.

We disclose your Personal Information to 3^rd parties for business purposes. The general categories of 3^rd parties that we share with are as follows:

• Our 3^rd party service providers that, without their services, our website would not be able to function in its current manner;
• Affiliated websites and businesses in an effort to bring you and our users improved services, products, and offerings;
• Other companies, affiliate partners, and 3^rd parties that help us advertise products, services, and offerings to you, other users, and potential new customers;
• Third (3^rd) parties to whom you, or an authorized agent on your behalf, authorized us to disclose your Personal Information;
• Third (3^rd) parties or affiliates in connection with a corporate transaction, such as a sale, consolidation, or merger of our financial institution or affiliated business; and
• Other third (3^rd) parties to comply with legal requirements or to disclose Personal Information to government authorities per the rule of law;
• For California’s residents; under the CCPA; releasing, disclosing, disseminating, making available, transferring, renting selling, or otherwise communicating orally, in writing, or by electronic or other means a consumer’s Personal Information for a business purpose to a third (3^rd) party for valuable consideration is defined as “sale”.

In the past or the present it is recognized that we might have disclosed the aforementioned categories of Personal Information for business purposes.

9.RIGHT AND CHOICES FOR CALIFORNIA RESIDENTS.

If you are a California resident, this Section describes your rights and choices regarding how we collect, share, use, and protect your Personal Information, how to exercise those rights, and limits and exceptions to your rights and choices under the CCPA.

• Exceptions. The rights and choices in this Section do not apply to you if the information being collected is:
• Aggregate consumer information;
• Deidentified Personal Information; and
• Publicly available information.
• Access to Information. If the above exceptions do not apply, and you have not made this request more than twice in a 12-month period, 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 from the date we receive your request. Once we receive and confirm your request on your behalf, we will disclose it to you or your representative:
• The categories of Personal Information we collect;
• The categories of sources for the Personal Information we collect;
• Our business or commercial purpose for collecting or selling such Personal Information;
• The categories of third parties to whom we sold or disclosed the category of Personal Information for a business or commercial purpose;
• The business or commercial purpose for which we sold or disclosed the category of Personal Information; and
• The specific pieces of Personal Information we collected about you in a form that you can take with you (also called a “Data Portability Request”).
• Deletion Request Rights. You have the right to request that we delete any of your Personal Information that we collect from you and retain, subject to certain exceptions. Once we receive and verify your 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 Personal Information is necessary for us or our service providers 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 for such activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, or exercise another right provided by law;
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws when the businesses’ deletion of the Personal Information is likely to render impossible or seriously impair the achievement of such research if you previously provided informed consent.
• Enable solely internal and lawful uses of such Personal Information that are compatible with the context in which you provided it.

• Exercising Access, Data Portability, and Deletion Rights. To exercise the access, data portability, deletion rights, or any other rights mentioned herein, a consumer or a consumer’s authorized agent may submit a verifiable request to us by using the contact details in Section 1.

Requests. You may only make a verifiable consumer request for access or data portability, in relation to this Section, twice within a 12-month period. We cannot respond to your request or provide you with Personal Information if we cannot

• verify your identity or authority to make the request and confirm the Personal Information is related to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided via a verifiable consumer request to verify the requestor’s identity or authority to make the request.
• • Authorized Agent. An authorized agent is any person or legal entity registered with the Secretary of State or similar office that you have authorized to act on your behalf. If a request is made by an authorized agent acting on your behalf, we may require the following:
  • Submission of evidence by you with your permission for the authorized agent to submit a verifiable request on your behalf;
  • For you to directly acknowledge, via electronic communication, that the authorized agent is allowed to act on your behalf;
  • Require the authorized agent to verify their identity; or
  • For a power of attorney document to be submitted that is signed in accordance with state law.

   

  We reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf and cannot verify their own identity to us.

   

  • Response Timing and Format. As required under CCPA, we agree to respond to any verifiable consumer request within 45 days of its receipt. If we require more time, with a maximum of 90 days, we will inform you, in writing, of the reason. Such notification will be by e-mail unless there is another preferred communication method provided.

   

  Any response we provide will cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the Personal Information from one entity to another entity without hindrance. No fee will be charged to process or respond to your verifiable consumer request.

   

  • Right of Non-Discrimination. We do not discriminate against you for exercising any of your rights in this Policy and under applicable laws. Unless permitted by law, we will not:
  • Deny you goods or services;
  • Charge you different prices or rates for goods, services, and offerings, including through granting discounts or other benefits, imposing penalties; or
  • Provide you with a different level of quality of goods or services.