California Consumer Privacy Notice

Your California Privacy Rights

As a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA). This notice describes the categories of personal information we collect, the purposes for which we use personal information, and your rights with respect to your personal information.

This notice supplements our Online Privacy Policy and applies only to California residents.

Personal Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In particular, we may have collected the following categories of personal information from consumers within the last twelve (12) months:

Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

• • Directly from you when you provide it to us
• • Indirectly from you, such as from observing your actions on our website
• • From credit bureaus and identity verification services
• • From our business partners and service providers
• • From publicly available sources
• • From social media platforms

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• • To fulfill or meet the reason you provided the information
• • To process your requests, transactions, and payments
• • To provide you with support and respond to your inquiries
• • To provide factoring, financing, and related financial services
• • To conduct credit checks and risk assessments
• • To personalize your experience and deliver targeted content and advertising
• • To improve our website, products, and services
• • To detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity
• • To comply with legal obligations and enforce our terms
• • For internal research and development purposes

Sharing Personal Information

We may disclose your personal information to the following categories of third parties:

• • Service providers and business partners
• • Financial institutions and payment processors
• • Credit bureaus and fraud prevention services
• • Professional advisors and consultants
• • Government entities and law enforcement
• • Affiliates within the IncoXchange corporate family

We do not sell personal information to third parties for monetary consideration. We do not share personal information for cross-context behavioral advertising purposes.

Your Rights Under CCPA

As a California resident, you have the following rights:

Right to Know

You have the right to request that we disclose to you:

• • The categories of personal information we collected about you
• • The categories of sources from which the personal information was collected
• • The business or commercial purpose for collecting personal information
• • The categories of third parties with whom we share personal information
• • The specific pieces of personal information we collected about you

Right to Delete

You have the right to request that we delete any personal information about you that we collected from you, subject to certain exceptions.

Right to Correct

You have the right to request that we correct inaccurate personal information that we maintain about you.

Right to Opt-Out

While we do not sell personal information for monetary consideration, you have the right to opt out of the sharing of your personal information for targeted advertising purposes.

Right to Limit Use of Sensitive Personal Information

You have the right to limit our use and disclosure of sensitive personal information to purposes necessary to perform services or provide goods reasonably expected by an average consumer.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not deny you goods or services, charge you different prices or rates, provide you with a different level or quality of goods or services, or suggest that you may receive a different price or level of quality.

How to Exercise Your Rights

To exercise your rights described above, please submit a verifiable consumer request by:

• • Calling us at +1 (888) 893-3263
• • Emailing us at privacy@incoxchange.com
• • Submitting a request through your account settings

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.

We will respond to your request within 45 days. If we require more time, we will inform you of the reason and extension period in writing.

Verification Process

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request. We will verify your request using information you have previously provided to us. We may request additional information for verification purposes.

For requests to know categories of personal information, we will match at least two data points provided by you with information we maintain. For requests to know specific pieces of personal information or requests to delete, we will match at least three data points and obtain a signed declaration under penalty of perjury.

Authorized Agent

You may designate an authorized agent to submit requests on your behalf. To do so, you must:

• • Provide the authorized agent written permission to do so
• • Verify your own identity directly with us
• • Directly confirm with us that you provided the authorized agent permission to submit the request

Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this notice, unless a longer retention period is required or permitted by law. When determining retention periods, we consider factors such as legal obligations, contractual requirements, operational needs, and the sensitivity of the information.

Contact Us

If you have any questions or concerns about this California Consumer Privacy Notice or our privacy practices, please contact us: