Future Lending LLC

Effective Date: November 28, 2025

1. Introduction

Future Lending LLC (“Future Lending,” “Company,” “we,” “us,” or “our”) is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information when you visit our website, use our mobile applications, access our broker portal, apply for financing, or otherwise interact with our services.

By using our services or providing personal information to us, you acknowledge that you have read and understand this Privacy Policy. We may update this Policy periodically to reflect changes in our practices or legal requirements.

2. Scope of This Policy

This Privacy Policy applies to personal information collected from consumers who:

• Visit our website or mobile applications
• Apply for or obtain financing
• Use our broker portal
• Communicate with us via email, phone, or other channels
• Engage with our marketing or advertising content

This Policy does not apply to information collected by third parties, including websites or applications that may link to or from our services.

3. Categories of Personal Information We Collect

We collect personal information directly from you, from third parties, and automatically through your use of our services. In the past twelve (12) months, we have collected the following categories:

3.1 Identifiers

Name, alias, postal address, email address, phone number, IP address, account name, Social Security number, driver’s license number, passport number, Tax Identification Number (TIN), and similar identifiers.

3.2 Financial Information

Bank account numbers, income information, bank statements, business financials, assets, liabilities, credit history, loan amounts, repayment terms, and related financial data.

3.3 Commercial Information

Records of products or services purchased or considered, transaction history, underwriting decisions, and servicing information.

3.4 Internet or Network Activity

Browsing history, search history, device identifiers, pages visited, referral sources, browser type, operating system, and analytics data.

3.5 Geolocation Data

Approximate location derived from IP address or device settings.

3.6 Professional or Employment Information

Employment history, employer name, job title, business ownership information, and professional references.

3.7 Inferences

Profiles or predictions about preferences, characteristics, creditworthiness, or behavior.

3.8 Sensitive Personal Information

4. Sources of Personal Information

We collect personal information from:

• You, when you submit applications or interact with our services
• Brokers and referral partners
• Credit reporting agencies
• Financial institutions and service providers
• Public records
• Cookies, analytics tools, and similar technologies

5. How We Use Personal Information

We use personal information for the following business and commercial purposes:

• Processing and evaluating financing applications
• Verifying identity and preventing fraud
• Underwriting, servicing, and managing financial products
• Communicating with you about your account or inquiries
• Providing customer support
• Improving and optimizing our website and services
• Conducting analytics, research, and reporting
• Complying with legal obligations and regulatory requirements
• Marketing and advertising (where permitted)
• Protecting the security and integrity of our systems

6. How We Share Personal Information

We may disclose personal information to:

• Service providers (IT, analytics, payment processors, document storage)
• Brokers, referral partners, and financial institutions involved in your application
• Credit reporting agencies
• Government agencies or regulators
• Professional advisors (attorneys, auditors)
• Affiliates and subsidiaries
• Third parties in connection with a merger, acquisition, or asset transfer

7. Data Retention

We retain personal information only as long as necessary to:

• Provide services
• Meet legal, regulatory, and contractual obligations
• Resolve disputes
• Maintain business records

Financial records may be retained longer as required by lending regulations.

8. Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies to:

• Enable website functionality
• Analyze usage and performance
• Personalize content
• Deliver advertising (where permitted)

You may manage cookie preferences through your browser settings or our cookie banner.

9. Children’s Privacy

Our services are not intended for children under 13, and we do not knowingly collect personal information from children. If we learn that we have collected such information, we will delete it promptly.

10. Your Privacy Rights

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate information
• Delete personal information
• Opt out of the sale or sharing of personal information
• Opt out of targeted advertising
• Limit the use of sensitive personal information
• Request a copy of your data (data portability)
• Appeal a denied privacy request

To exercise your rights, email us at: privacy@futurelendingllc.com

11. Do Not Sell or Share My Personal Information

You may opt out of:

• Cross‑context behavioral advertising
• Sharing personal information with third parties for marketing
• Any activity defined as “selling” under state law

To opt out, visit our Do Not Sell or Share My Personal Information page or email privacy@futurelendingllc.com.

12. Financial Incentives

If we offer financial incentives (discounts, rewards, or benefits) in exchange for personal information, we will provide a separate notice describing:

• The material terms
• How to opt in
• How to withdraw consent

We do not currently offer financial incentives.

13. International Data Transfers

If you access our services from outside the United States, your information may be transferred to and processed in the U.S. By using our services, you consent to this transfer.

14. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption
• Access controls
• Secure data storage
• Network monitoring

However, no system is completely secure, and we cannot guarantee absolute security.