4 Season Funding LLC (“4 Season Funding,” “we,” “us,” or “our”)
Effective Date: September 26, 2025

Thank you for reading 4 Season Funding’s Privacy Policy. We value the trust our borrowers place in us, and safeguarding the privacy of our visitors and customers is our top priority. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website at https://4seasonfunding.com, interact with us online or offline (including via forms, email, fax, or text message), or use any websites, applications, or devices we operate that link to this Policy.

By accessing our site or using our services, you agree to this Privacy Policy. If you do not agree, you may not use our site or services.

4 Season Funding DOES NOT sell or share customer text messaging (A2P) opt-in information—including phone numbers and consent records—with any affiliates or third parties for marketing, promotional, or any other purposes unrelated to delivering our services. All text messaging originator opt-in data and consent records are kept strictly confidential. We may share your mobile number and technical messaging metadata only with our contracted messaging providers and carriers as strictly necessary to deliver messages you have consented to receive. Carriers are not liable for delayed or undelivered messages.

We collect Personal Information that identifies or relates to you when you interact with us, including when you apply for financing or otherwise use our services. This may include:

• Contact details: name, email address, phone number, and residential or business address
• Business information: legal business name, size, industry/type of product or service, Tax ID
• Application and underwriting information: Social Security number, bank and credit card statements, average bank balance, personal and business credit records, payment history, and bank account details
• Communications: records of your inquiries, service requests, feedback, and preferences
• Payment information when you request or receive certain services

When you visit our site or use our applications, we automatically collect certain information, such as:

• Usage details: pages visited, features used, and interactions
• Device data: IP address, hardware type, operating system, application version, browser type
• Mobile device data: device type and service provider (when accessing via mobile)
• Geolocation data: generalized city/region information
• Cookies and similar technologies: as described in Section 6

To provide you with an offer or service, we may obtain information about you from external sources such as:

• Credit bureaus and credit reporting agencies
• Identity verification and fraud prevention services
• Governmental entities and public records
• Service providers that help us maintain accurate records

We may combine such information with information we collect from you.

We use the information we collect to:

• Provide, operate, and improve our website, applications, and services
• Evaluate, process, and underwrite financing applications
• Communicate with you about applications, account status, support, reminders, and updates
• Process transactions and payments
• Maintain records of your communication preferences and consent (including timestamped records for SMS and email)
• Conduct analytics to improve the user experience and service quality
• Detect, investigate, and prevent fraud and security incidents
• Comply with legal, regulatory, and risk management obligations

We do not sell your Personal Information.

By opting into our SMS messaging services, you agree to receive text messages related to our services, including application status updates, account or servicing notifications, reminders, and customer support. Promotional SMS will only be sent with your separate, explicit consent.

• You will only receive SMS messages if you have explicitly opted in via our web forms, application process, or other methods we provide at the point of collection.
• We maintain timestamped records of opt-in, consent language, and the collection method.
• We comply with the Telephone Consumer Protection Act (TCPA), CTIA guidelines, and other applicable laws.

• You can cancel SMS notifications at any time by replying “STOP.”
• After you send “STOP,” you will receive a confirmation message, and no further messages will be sent unless you re‑opt in.
• All opt-out requests are processed within 24 hours.

• Message frequency varies based on your interactions, account status, and preferences.
• Messages will be related to the services you request or receive from us.
• Promotional content is not sent without your specific, separate consent.

• For assistance, reply “HELP” or contact us at info@4seasonfunding.com or (786) 572‑1203 during regular business hours.

• Standard message and data rates may apply.
• Carriers are not liable for delayed or undelivered messages.
• Supported carriers include major U.S. carriers (e.g., AT&T, Verizon, T‑Mobile, and others).

• No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
• Sharing with subcontractors and service providers in support of service delivery (e.g., messaging providers, customer service) is permitted.
• All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties except as required to deliver the text messages.

We do not sell, rent, or trade your Personal Information. We may disclose information as follows:

• Service Providers: We share information with third-party vendors that help us operate our services (e.g., hosting, analytics, identity verification, fraud prevention, payment processing, CRM, customer support, and SMS aggregators/providers solely to deliver messages you have consented to receive). These service providers are contractually obligated to protect your information and use it only for our instructions.
• Legal and Compliance: We may disclose information if required by law, regulation, subpoena, court order, or other legal process; to respond to lawful requests by public authorities; or to protect rights, property, or safety.
• Business Transfers: If we are involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred, subject to this Policy or a successor policy that provides materially similar protections.

All the above categories exclude text messaging originator opt‑in data and consent; this information will not be shared with third parties, except SMS providers/carriers required to deliver the text messages you have consented to receive. We do not share the content of your text messages for marketing or promotional purposes.

We retain Personal Information for as long as necessary to fulfill the purposes described in this Policy, including:

• Providing services, processing applications, and maintaining accounts
• Meeting legal, regulatory, tax, accounting, and reporting requirements (including financial services recordkeeping)
• Resolving disputes and enforcing agreements

We retain SMS opt‑in/opt‑out and consent records for at least four (4) years or longer as required by applicable law.

We use cookies and similar technologies to:

• Analyze site traffic and user behavior
• Remember your preferences and enhance functionality
• Improve and measure the effectiveness of our services

You can control cookies through your browser settings. Disabling cookies may limit your ability to use certain features. We may use third-party analytics services that set their own cookies, subject to their privacy policies.

We implement reasonable administrative, technical, and physical security measures to protect Personal Information, including:

• Encryption of sensitive data in transit
• Access controls, authentication, and least-privilege permissions
• Vendor due diligence and contractual security obligations
• Employee training on data protection
• Logging, monitoring, and incident response procedures
• Breach notification in accordance with applicable laws

No method of transmission over the Internet or electronic storage is 100% secure. We strive to use commercially reasonable means to protect your information but cannot guarantee absolute security.

Depending on your location and applicable law, you may have rights to:

• Access, correct, or delete certain Personal Information
• Opt out of marketing emails by clicking “unsubscribe”
• Opt out of SMS messages by replying “STOP”
• Withdraw consent for future communications
• Request information about how we process your data

To exercise rights, contact us at info@4seasonfunding.com. We may take reasonable steps to verify your identity.

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the CPRA, including the rights to know, delete, correct, and limit certain uses of sensitive Personal Information, and to opt out of “sharing” for cross-context behavioral advertising. 4 Season Funding does not sell or share Personal Information as defined by the CCPA/CPRA. You can submit requests by emailing info@4seasonfunding.com.

Our services are not directed to children under 13, and we do not knowingly collect Personal Information from children under 13. If you believe a child has provided us information, please contact us so we can take appropriate action.

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies. This Privacy Policy applies only to information collected by 4 Season Funding.

We may update this Policy from time to time. The latest version will be posted on our website with the effective date. If we make material changes, we will provide notice via the website or by email where required.

If you have questions about this Privacy Policy or how your information is handled, please contact us:

4 Season Funding LLC

Phone: (786) 572‑1203

Email: info@4seasonfunding.com

Website: https://4seasonfunding.com

By using our website and services, you consent to this Privacy Policy.