Privacy Policy

America Funding Solutions ("we," "us," or "our") is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information you provide when using our website and loan application services. This policy applies to all information collected through our website at americafundingsolutions.com, our loan application portal, and any related services, communications, or transactions. By using our Services, you consent to the data practices described in this Privacy Policy. We comply with applicable federal and state privacy laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable state consumer privacy regulations.

We collect several categories of information to process your loan application and provide our services: Personal Identification Information • Full legal name and any aliases • Date of birth • Social Security Number (SSN) • Government-issued photo identification (front and back) • Parent or guardian information where applicable Contact Information • Home and mailing address • Email address • Phone number(s) Financial Information • Employment status and employer details • Income information and pay stubs • Bank account information for funding and repayment • Credit history obtained from consumer reporting agencies Technical Information • IP address and device identifiers • Browser type and operating system • Pages visited and time spent on our site • Cookies and similar tracking technologies

We use the information we collect for the following purposes: Loan Processing & Servicing • Evaluating and processing your loan application • Verifying your identity and preventing fraud • Conducting credit checks and risk assessments • Funding approved loans and managing repayments • Communicating with you about your application and account Legal & Compliance • Complying with federal and state lending regulations • Responding to legal requests and court orders • Preventing, detecting, and investigating fraud • Maintaining records as required by law Business Operations • Improving our products, services, and website • Analyzing usage patterns to enhance user experience • Sending service-related communications • Marketing our services to you (with your consent where required) We do not sell your personal information to third parties for their own marketing purposes.

We may share your personal information with the following categories of parties: Affiliated Lending Partners We may share your application information with our network of lending partners to facilitate loan offers and processing. These partners are contractually required to protect your information and use it only for the purposes for which it was shared. Service Providers We engage trusted third-party service providers to assist with identity verification, credit reporting, payment processing, data storage, and customer communications. These providers are bound by confidentiality agreements. Credit Reporting Agencies We report loan performance information to one or more consumer credit reporting agencies as permitted by the FCRA. This includes payment history, account status, and balance information. Legal Requirements We may disclose your information when required by law, subpoena, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of others. Business Transfers In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction: Technical Safeguards • 256-bit SSL/TLS encryption for all data transmission • AES-256 encryption for stored sensitive data • Multi-factor authentication for system access • Regular security audits and penetration testing • Intrusion detection and prevention systems Operational Safeguards • Strict access controls limiting data access to authorized personnel • Employee training on data privacy and security practices • Background checks for employees handling sensitive data • Incident response procedures for potential data breaches While we employ robust security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.

We use cookies and similar tracking technologies to enhance your experience on our website: Essential Cookies: Required for the website to function properly, including maintaining your session during the application process. Analytics Cookies: Help us understand how visitors interact with our website, allowing us to improve functionality and content. Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. You can control cookie settings through your browser preferences. Note that disabling certain cookies may affect the functionality of our website and application portal. We honor Do Not Track signals where technically feasible.

Depending on your state of residence, you may have the following rights regarding your personal information: Right to Access: Request a copy of the personal information we hold about you. Right to Correction: Request correction of inaccurate or incomplete personal information. Right to Deletion: Request deletion of your personal information, subject to legal retention requirements. Right to Opt-Out: Opt out of the sale or sharing of your personal information (we do not sell personal data). Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights. California Residents (CCPA): California residents have additional rights under the California Consumer Privacy Act, including the right to know about personal information collected, the right to delete, and the right to opt-out of sale. To exercise any of these rights, please contact us at privacy@americafundingsolutions.com. We will respond to verified requests within 45 days.

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specifically: • Loan application data: Retained for a minimum of 7 years following application completion or denial, as required by federal lending regulations • Active loan accounts: Retained for the duration of the loan plus 7 years • Marketing data: Retained until you opt out or request deletion • Website usage data: Retained for up to 2 years When your information is no longer needed, we securely destroy or anonymize it in accordance with our data retention policies.

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at privacy@americafundingsolutions.com. If we discover that we have inadvertently collected personal information from a minor, we will promptly delete that information from our records.

Our website may contain links to third-party websites, products, or services. These third-party sites have their own privacy policies, and we are not responsible for their content or privacy practices. We encourage you to review the privacy policies of any third-party sites you visit. Our inclusion of a link to a third-party site does not constitute an endorsement of that site or its privacy practices.

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will: • Post the updated policy on our website with a new "Last Updated" date • Notify you via email if you have an active account or pending application • Provide a prominent notice on our website for significant changes Your continued use of our Services after the effective date of any changes constitutes your acceptance of the updated Privacy Policy. We encourage you to review this policy periodically.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Team: America Funding Solutions — Privacy Office Email: privacy@americafundingsolutions.com Phone: 1-800-AFS-PRIV Mail: Privacy Office, America Funding Solutions, [Address] Hours: Monday – Friday, 9:00 AM – 6:00 PM EST For California residents exercising CCPA rights, please include "CCPA Request" in your subject line. We will respond to all verified requests within the timeframes required by applicable law.