Broker Agreement

Effective Date: 20/07/2026

KinectCredit, Inc. (“KinectCredit,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, share, and protect information about you when you visit our website, apply for or use an unsecured business line of credit, or otherwise interact with us (collectively, the “Services”). This Policy applies to individuals who apply for credit, business owners and Guarantors, and visitors to our website.

By using our Services, you acknowledge the practices described in this Policy. If you do not agree with this Policy, please do not use our Services.

1. Information We Collect

1.1 Information You Provide Directly

• Identifying information such as your name, date of birth, Social Security number or Tax ID, address, phone number, and email address.
• Business information such as legal business name, EIN, entity type, industry, revenue, and time in operation.
• Financial information such as bank account details, tax returns, financial statements, and credit history.
• Information about Guarantors or business principals, where a personal guaranty is required.
• Communications you send to us, such as customer support inquiries.

1.2 Information Collected Automatically

• Device and usage information, such as IP address, browser type, operating system, and pages visited.
• Cookies and similar tracking technologies, as described in Section 4.
• Approximate location information derived from your IP address.

1.3 Information from Third Parties

• Consumer and commercial credit reports from credit bureaus.
• Bank account and transaction data from bank-linking or account verification service providers.
• Identity verification results from fraud-prevention and identity-verification vendors.
• Publicly available business information, such as state business registrations.

2. How We Use Your Information

We use the information we collect to:

• Evaluate and process your application for a Line of Credit, including underwriting and credit decisioning.
• Verify your identity and the identity of your business and any Guarantors, and prevent fraud.
• Service your Line of Credit, including processing draws, repayments, and fees.
• Communicate with you about your application, account, or our Services.
• Comply with legal and regulatory obligations, including anti-money-laundering and lending disclosure laws.
• Improve and maintain our website and Services, and analyze usage trends.
• Market our products to you, where permitted, and subject to your choices described in Section 6.

3. How We Share Your Information

We do not sell your personal information for money. We may share information with:

• Funding partners and financial institutions involved in underwriting or funding your Line of Credit.
• Credit bureaus, to report account activity and payment history for the business and, where applicable, a Guarantor.
• Service providers who perform functions on our behalf, such as identity verification, payment processing, bank-data aggregation, hosting, and customer support, under contractual confidentiality obligations.
• Professional advisors, such as auditors, accountants, and legal counsel.
• Regulators and government authorities, where required by law, subpoena, or legal process.
• A successor entity in connection with a merger, acquisition, financing, or sale of some or all of our assets.

We may also share aggregated or de-identified information that cannot reasonably be used to identify you.

4. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, and similar technologies to operate our website, remember your preferences, understand how visitors use our Services, and support advertising and analytics. You can control cookies through your browser settings; disabling cookies may limit certain features of our website. Where required by law, we will present a cookie consent banner allowing you to manage non-essential cookies.

5. Data Security

We maintain administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, or destruction, including encryption of sensitive data in transit and role-based access controls. No system can be guaranteed completely secure, and we cannot ensure or warrant the absolute security of information you provide to us.

6. Your Choices and Rights

6.1 Marketing Communications

You may opt out of marketing emails by following the unsubscribe instructions in those emails. We may still send you non-marketing communications related to your application or Line of Credit, such as servicing notices and legally required disclosures.

6.2 Access, Correction, and Deletion

Depending on your state of residence, you may have the right to request access to, correction of, or deletion of personal information we hold about you, subject to exceptions such as our need to retain records for legal, regulatory, or lending-related recordkeeping obligations. To make a request, contact us using the information in Section 10.

6.3 California Residents

If you are a California resident, the California Consumer Privacy Act (as amended) may give you additional rights, including the right to know what personal information we have collected, the right to request deletion, the right to correct inaccurate information, and the right to opt out of certain sharing for cross-context behavioral advertising. Note that information collected in connection with credit applications is generally subject to separate federal financial privacy laws (such as the Gramm-Leach-Bliley Act), which may apply instead of or alongside state privacy law. We do not discriminate against you for exercising your privacy rights.

7. Data Retention

We retain personal information for as long as necessary to service your Line of Credit, comply with legal, tax, and regulatory recordkeeping obligations (which for credit-related records is often measured in years after account closure), resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or de-identify it.

8. Children’s Privacy

Our Services are intended for business use by adults and are not directed to children under 18. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will take steps to delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated Policy on our website and revise the Effective Date above. Material changes will be communicated through reasonable means, such as email or a notice on our website.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

KinectCredit, Inc.
333 W Wolf Point Plaza
Suite 1200, Chicago, IL 60654
Email: privacy@kinectcredit.com
Phone: +1 (312) 555-0198