Consumer Privacy Disclosure

Last Updated and Effective: February 1, 2023

FACTS	WHAT DOES HABITFACTORY USA, INC. 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: Your contact details and demographic information Social Security number and account transactions Credit history and credit scores Transaction history and credit products rates and payments
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons HabitFactory USA, INC. chooses to share, and whether you can limit this sharing.

Reasons we can share your personal information		Does HabitFactory USA, INC. 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	No
For our affiliates’ everyday business purposes – information about your transactions and experiences		Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness		Yes	Yes
For affiliates to market to you		Yes	Yes
For nonaffiliates to market to you		Yes	Yes
To limit our sharing	Call 213-426-1118 – our menu will prompt you through your choices or Visit us online: https://www.loaning.ai./about/contact-us/ Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 213-426-1118

Who we are
Who is providing this notice?	This privacy policy is being provided by HabitFactory USA, INC. and other companies with a HabitFactory USA, INC. name (collectively, “HabitFactory USA, INC”).
What we do
How does HabitFactory USA, INC. 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. We use encryption in the transmittal of your sensitive personal information between your systems and ours and we use firewalls.
How does HabitFactory USA, INC. collect my personal information?	We collect your personal information, for example, when you open an account initiate an application for a financial product or service, such as a loan We also 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 for affiliates’ everyday business purposes –information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates 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.
What we do
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a HabitFactory USA, INC. name.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with may include loan brokers, lenders, insurance companies and direct marketing companies
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners may include lenders and other third parties that provide services to our consumers in our network.
Other important information
NV: If you are consumer with a Nevada mailing address, and you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by contacting us at 213-426-1118.; https://www.loaning.ai. /about/contact-us/; 3435 Wilshire Blvd. Ste. 1940 Los Angeles, CA 90010. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email BCPINFO@ag.state.nv.us or AgInfo@ag.nv.gov VT: If you are consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of HabitFactory USA, INC., unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent. CA: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of HabitFactory USA, INC., unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled.