Last Updated: June 1, 2024

This California Privacy Notice (this “Notice”) supplements the UB Loans Privacy Policy and applies solely to California residents. The California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act and its implementing regulations (collectively, the “CCPA”), provides California residents with certain rights regarding their personal information. This Notice provides additional details regarding our collection, use, and disclosure of personal information for California residents and describes the rights available to you as a California resident.

Scope

This Notice applies only to California residents whose interactions with UB Loans are limited to:

• Visiting our website.
• Signing up for our email alerts.
• Utilizing chatbot technology on our website.
• Commenting on or contributing to our blogs.
• Establishing an account that does not include a financial product or service subject to the Gramm-Leach-Bliley Act (“GLBA”).

Notice at Collection of Personal Information

We collect the following categories of personal information, which we have collected in the 12 months prior to the Last Updated date of this Notice:

• Identifiers: Name, email address, postal address, IP address, account name, Social Security number, driver’s license number, passport number.
• Personal Information Categories Listed in the California Customer Records Statute: Name, address, telephone number.
• Protected Classification Characteristics under California Law: Marital status, veteran status.
• Internet or Other Electronic Network Activity Information: Browsing history, search history, interactions with our website and advertisements.
• Geolocation Data: IP location.
• Audio, Electronic, Visual, or Similar Information: Phone call recordings.
• Inferences: Inferences drawn from any of the information listed above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, behavior, and abilities.
• Sensitive Personal Information: Precise geolocation, account log-in information combined with passwords.

Sources of Personal Information

We collect personal information directly from California residents, through automated means (such as cookies and tracking technologies), and from third-party sources such as agents, referral partners, brokers, and credit reporting agencies.

Purpose for Collecting Personal Information

We collect personal information for the following business or commercial purposes:

• To provide and manage our Services.
• To process transactions and provide customer support.
• For marketing and promotional activities.
• To improve, upgrade, or enhance our Services.
• To conduct research and analysis.
• To ensure security and prevent fraud.
• To comply with legal and regulatory requirements.

Sale and Sharing of Personal Information

While UB Loans does not “sell” personal information in the traditional sense, we may share personal information with third parties for targeted advertising and analytics purposes, which may be considered a “sale” or “sharing” under the CCPA.

Categories of Personal Information Sold or Shared

• Identifiers: Shared with analytics providers and marketing partners (including social media platforms).
• Internet or Other Electronic Network Activity Information: Shared with analytics providers and marketing partners.
• Geolocation Data: Shared with analytics providers and marketing partners.
• Sensitive Personal Information: Shared with analytics providers and marketing partners.

Disclosure of Personal Information

We disclose personal information to third parties for business purposes, including:

• Our affiliates and subsidiaries.
• Service providers (e.g., payment processors, customer support providers).
• Analytics providers.
• Marketing and advertising partners.
• Government and regulatory agencies, as required by law.

Your Rights as a California Resident

As a California resident, you have the following rights under the CCPA:

• Right to Know: You have the right to request that we disclose information about our collection, use, and disclosure of your personal information over the past 12 months.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct: You have the right to request that we correct any inaccurate personal information we maintain about you.
• Right to Opt-Out: You have the right to opt-out of the sale or sharing of your personal information.
• Right to Limit Use of Sensitive Personal Information: If we use or disclose sensitive personal information for purposes other than those allowed by the CCPA, you have the right to limit our use or disclosure.
• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your CCPA rights.

How to Exercise Your Rights

To exercise your CCPA rights, you may:

• Email us at info@ubloans.com with the subject line “California Consumer Privacy Act Request”.

Verification Process

To protect your privacy, we will verify your identity before processing your request. The verification process may include:

• Matching information you provide with the information we have on file.
• Requesting additional information to verify your identity.

Authorized Agents

You may designate an authorized agent to make a request on your behalf. The authorized agent must provide proof of authorization, and we may contact you to verify your identity directly.

Retention of Personal Information

We retain personal information for as long as necessary to fulfill the purposes outlined in our Privacy Policy and to comply with legal obligations.

Changes to This Notice

We may update this Notice from time to time to reflect changes in our practices and applicable laws. The “Last Updated” date at the top of this page indicates when this Notice was last revised. We encourage you to review this Notice periodically.

Contact Us

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

• Email: info@ubloans.com
• Mail: UB Loans, 14460 Falls of Neuse Rd. Suite 149 – 397, Raleigh, North Carolina 27614

Thank you for taking the time to read our California Privacy Policy. Your privacy is important to us, and we are committed to protecting your personal information.