California Privacy Policy

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Online Privacy Policy of ObjectiveOne LLC and its subsidiaries (collectively, "we," "us," or "our") and applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA") and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

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 have collected the following categories of personal information from consumers within the last twelve (12) months:

Personal information does not include: publicly available information from government records; de-identified or aggregated consumer information; and information excluded from the CCPA's scope, such as health or medical information covered by HIPAA/CMIA, and personal information covered by the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

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

• Directly from our customers/visitors or their agents. For example, from documents that our customers/visitors provide to us related to the services for which they engage us.
• Indirectly from our customers/visitors or their agents. For example, through information we collect from our customers/visitors in the course of providing services to them.
• Directly and indirectly from activity on our website (www.objectiveoneloans.com). For example, from submissions through our website portal or website usage details collected automatically.
• From third-parties that interact with us in connection with the services we perform.

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 for which the information is provided.
• To provide you with information, products or services that you request from us.
• To provide you with email alerts, event registrations and other notices concerning our products or services.
• To carry out our obligations and enforce our rights arising from any contracts between you and us, including for billing and collections.
• To improve our website and present its contents to you.
• For testing, research, analysis and product development.
• As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose: Category A (Identifiers), Category B (Customer Records), Category C (Protected classification characteristics), and Category D (Commercial Information). We disclose your personal information for a business purpose to our affiliates, service providers, and third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

In the preceding twelve (12) months, we have not sold any personal information.

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing sales and disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider to complete the transaction for which it was collected, detect security incidents, protect against malicious or fraudulent activity, comply with legal obligations, or exercise or defend legal claims.

You have the right to direct us not to sell your personal information at any time ("opt-out right"). We do not sell your personal information. However, if you would like to make a formal request that we never sell your personal information in the future, please visit our Do Not Sell My Personal Information page or submit a request using the contact information below.

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, or provide a different level or quality of goods or services because you exercised a right under the CCPA.

To exercise any of your rights described above, please submit a verifiable consumer request to us by emailing support@objectiveoneloans.com or calling 1-888-479-9411. 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. You may also make a request as an authorized agent.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. We will respond to your request within 45 days of receiving it. If more time is required (up to 90 days), we will inform you of the reason and extension period in writing.