Privacy Policy

Last Updated: October 22, 2026

This privacy policy (“Privacy Policy”) is applicable to Prosperity Purchasing Partners
(“Prosperity”, “we” or “us”). At Prosperity, we consider the privacy of our clients, customers,
users and visitors of our website and small business funding services (collectively, “Users”,
“Customers” or “you”) to be extremely important. In this document, we describe how
Prosperity collects, uses and discloses the information we collect from you and about you
when you browse our website (“Website” or “Site”) or use our business funding and online
services (“Services”).
Our objective is to provide you with transparent and accessible information about our
information collection practices and your privacy choices. The following items assist you in
understanding and navigating this privacy policy:

Types of information collected
Methods of collecting information
Mobile messaging
Uses of information collected
Sharing of collected information
Storage of collected information
Security of your information
California privacy data use disclosure
Children’s privacy rights
Choices regarding information collection
Links to other websites and services
Changes to Privacy Policy

1. Types of Information Collected
In connection with your use of our Website and Services, we collect the following types of
information:
Personally Identifiable Information (“PII”) refers to any information that identifies or can
reasonably be used to identify, contact, or locate the person to whom such information
pertains, including, but not limited to, name, address, phone number, fax number, email
address, financial profiles, social security number, FICO scores, and credit card information.
PII does not include information that is collected anonymously (that is, without identification
of the individual user) or demographic information not connected or reasonably connectable
to an identified individual. In this Privacy Policy the term PII may be used to specifically
identify an individual business owner, principal, business representatives, loan applicants, or
Website visitors.

In the U.S., federal law requires Prosperity to collect and verify beneficial ownership
information of our Customers. In addition, if you make payments through the Services,
Prosperity may also collect information, such as payments or invoicing information including

name, postal and email addresses, or phone number. Certain information may not be
personally identifiable when standing alone but may become so when combined with other
information. As a rule, Prosperity does not collect PII when you visit our Website, unless you
choose to provide such information or use Services that necessitate the need to collect that
information.

Computer and other Technical Information When you use our Website, we automatically
collect information relating to your computer, mobile device and other information associated
with the device you use to access the Services, including: download, use and access
information for mobile applications or mobile-optimized sites; IP address or other unique
identifiers that are automatically assigned to your computer, mobile or other device used to
access the Website; the type of browser you are using; the third party website from which
your visit originated; the operating system you are using; the domain name of your Internet
service provider; the search terms you use on our Website; the specific areas within our
Website or Services that you visit; and/or the time of day and duration of your visits, internet
connection, referring/exit pages, clickstream data, and information that you search for using
the Services. This information can be used to identify you and is considered PII.
Business Information means information regarding businesses and their principals that use
or otherwise access the Services, including: business name, address, email, and telephone
number, company structure, industry type, incorporation date, annual revenue, bank account
information, marketplace account information, payment information, business social network
data, accounting information, vendor usage information, information regarding our
transactions and experiences with the business, information regarding business principals
and beneficial ownership information (collectively, “Business Information”). Business
Information may also include information about your customers if collected in connection
with your use or access of the Services.

2. Methods of Collecting your Information
The information we collect about you depends on how you use our Services, and if your
business becomes a Customer of Prosperity.
Information Provided by You. We may collect information from you when you register or
use the Services. For example, we may collect PII, user information and Business
Information from you when you register an account on our Sites, fill out forms or fields on the
Sites, or complete an application for Business Funding Services. We may also collect
information when you communicate with us through email, mail, text, telephone, facsimile or
other means.
Information Collected when You Use Services. As noted above, we automatically collect
PII from your computer, mobile device or other PII associated with your device you use or
access the Services (including downloading and using a mobile application or accessing a
mobile optimized Site). We may collect PII when you view content about the Services on a
third-party website or open emails or links in email communications from us. We, our
business partners, or our service providers may use cookies, web beacons, pixel tags, and
other similar technologies which collect information when we provide you with Services.
IP Address. An IP address is a number that is assigned to your computer, mobile or other
computing device whenever you are surfing the Internet. Web servers (computers that
“serve up” web pages) automatically identify your computer or other computing device by its
IP address. When users request pages from our Website, servers may log their IP
addresses. Prosperity may collect IP addresses for the following purposes, among others:
system administration, to report non-personal aggregate information, and to track the use of

the Website. IP addresses that are associated with your computing devices, mobile phones,
or other devices are PII.

Cookies. Cookies are small text files containing a string of alphanumeric characters. When
you visit our Website or access our Services, we or our analytics providers may send one or
more cookies – a small text file containing a string of alphanumeric characters – to your
computer that uniquely identifies your browser and lets Prosperity help you log in faster and
enhance your navigation through the Site. We may use both session cookies and persistent
cookies.

Session Cookies: A session cookie disappears after you close your browser.
Persistent Cookies: A persistent cookie remains after you close your browser and may be
used by your browser on subsequent visits to the Services. A cookie may also convey
information to us about how you use our Sites and Services (e.g., the pages you view, the
links you click and other actions you take on our Sites or use of our Services) and allow us to
track your usage of our Sites and Services over time. A persistent cookie remains on your
hard drive after you close your browser. Persistent cookies may be used by your browser on
subsequent visits to the site. Persistent cookies can be removed by following your web
browser’s directions.

Your Cookie Choices: You can reset your web browser to refuse all cookies or to choose
when a cookie is permitted. Please review your web browser “Help” file to learn the proper
way to modify your cookie settings. Please note that if you delete or choose not to accept
cookies from the Sites or when you access our Services, you may not be able to utilize all
the features of the Services to their fullest potential. Clear GIFs, Pixel Tags, and Other
Technologies.

Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast
to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded
invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs, or pixel
tags), in connection with our Site to, among other things, track the activities of Site visitors,
help us manage content, and compile statistics about Site usage. We and our third-party
service providers also may use clear GIFs in HTML emails to our customers, to help us track
email response rates, identify when our emails are viewed, and track whether our emails are
forwarded.

Local Storage Objects. We may use Flash Local Storage Objects (“Flash LSOs”) to store
your Site preferences and to personalize your visit. Flash LSOs are different from browser
cookies because of the amount and type of data stored. Typically, you cannot control,
delete, or disable the acceptance of Flash LSOs through your web browser. For more
information on Flash LSOs, or to learn how to manage your settings for Flash LSOs, go to
the Adobe Flash Player Help Page, choose “Global Storage Settings Panel,” and follow the
instructions. To see the Flash LSOs currently on your computer, choose “Website Storage
Settings Panel” and follow the instructions to review and, if you choose, to delete any
specific Flash LSO.

Log file information. Log file information is automatically reported by your browser or mobile
device each time you access our Sites or use our Services. When you access our Sites or
use our Services, our servers automatically record certain log file information. These server
logs may include information such as your web request, Internet Protocol (“IP”) address,
browser type, referring / exit pages and URLs, number of clicks and how you interact with
links on our Sites, domain names, landing pages, pages viewed, and other such information.

Email Communications. If you send us an email with questions or comments, we may use
PII to respond to your questions or comments and save your questions or comments for
future reference. For security reasons, it’s not recommended that you send non-public
personal information to Prosperity by email. We may send you emails containing
newsletters, promotions and special offers. If you do not want to receive promotional
messages, you will be given the option to opt-out. We also use your information to send you
service-related emails (e.g., account verification, purchase and billing confirmations and
reminders, changes/updates to features of our Services, technical and security notices).
Information Received from Third Parties. The Services allow us, upon your direction, to
obtain user information and Business Information from third party entities that your business
maintains accounts with such as financial institutions, service providers referral partners,
identity verification services, card networks, vendors, mailing list providers, consumer
reporting agencies, commercial credit bureaus and associations, fraud prevention agencies,
and publicly available sources including social networking services. We may combine this
information with information we already collected from you or about you. For example, we
may obtain transactional information about your business from financial institutions,
information about your business’s engagement with customers from social networking
services, and information about your business’s sales volume from service providers.

3. Mobile Message Service – Terms and Conditions
The Prosperity mobile message service (the “Service”) is operated by Prosperity Purchasing
Partners (“Prosperity”, “we”, or “us”). Your use of the Service constitutes your agreement to
these terms and conditions (“Mobile Terms”). We may modify or cancel the Service or any of
its features without notice. To the extent permitted by applicable law, we may also modify
these Mobile Terms at any time and your continued use of the Service following the effective
date of any such changes shall constitute your acceptance of such changes.
By consenting to Prosperity’s SMS/text messaging service, you agree to receive recurring
SMS/text messages from and on behalf of Prosperity through your wireless provider to the
mobile number you provided, even if your mobile number is registered on any state or
federal Do Not Call list. Text messages may be sent using an automatic telephone dialing
system or other technology. Customer service-related messages may include updates,
alerts, and information (e.g., offer updates, application requirements, etc.). Promotional
messages may include promotions, specials, and other marketing offers (e.g., promotional
reminders or new offers).

You understand that you do not have to sign up for this program in order to conduct any
business with Prosperity, and your consent is not a condition of any offer from Prosperity.
Your participation in this program is completely voluntary.

We do not charge for the Service, but you are responsible for all charges and fees
associated with text messaging imposed by your wireless provider. Message frequency
varies. Message and data rates may apply. Check your mobile plan and contact your
wireless provider for details. You are solely responsible for all charges related to SMS/text
messages, including charges from your wireless provider.

You may opt-out of the Service at any time. Text the single keyword command
UNSUBSCRIBE to (877) 256-6777. You’ll receive a one-time opt-out confirmation text
message. No further messages will be sent to your mobile device, unless initiated by you. If
you have subscribed to other Prosperity mobile message programs and wish to
cancel, except where applicable law requires otherwise, you will need to opt out separately
from those programs by following the instructions provided in their respective mobile terms.

For Service support or assistance, text HELP to (877) 256-6777 or
email Support@ProsperityPurchasingPartners.com.
We may change any short code or telephone number we use to operate the Service at any
time and will notify you of these changes. You acknowledge that any messages, including
any UNSUBSCRIBE or HELP requests, you send to a short code or telephone number we
have changed may not be received and we will not be responsible for honoring requests
made in such messages.

The wireless carriers supported by the Service are not liable for delayed or undelivered
messages. You agree to provide us with a valid mobile number. If you get a new mobile
number, you will need to sign up for the program with your new number.
To the extent permitted by applicable law, you agree that we will not be liable for failed,
delayed, or misdirected delivery of any information sent through the Service, any errors in
such information, and/or any action you may or may not take in reliance on the information
or Service.

We respect your right to privacy. To see how we collect and use your personal information,
please read the whole Privacy Policy

4. Use of Information
Marketing and Advertising, Third-Party Ad Networks and Online Tracking. We, advertisers,
sponsors, and our third-party service providers may use third parties such as network
advertisers to display advertisements on our Site. Network advertisers are third parties that
display advertisements based on your visits to our Site as well as other websites. We,
advertisers, our third-party service providers, and the ad networks may track your behavior
on this Site. Specifically, third-party ad-network providers (such as Google or Facebook),
advertisers, sponsors, and/or traffic measurement services may use cookies, JavaScript,
web beacons (including clear GIFs), Flash LSOs, and other technologies to measure the
effectiveness of their ads and to personalize advertising content to you. This enables us and
these third parties to target advertisements by displaying ads for products and services in
which you might be interested. These third-party cookies and other technologies are
governed by each third party’s specific privacy policy, not this one.

Use of Personal Information; Opt Out Rights. In order to generate such targeted
advertisements, we may provide these third-party advertisers with certain information about
your usage of our Site and our Services, as well as aggregate or non-personally identifiable
information about visitors to our Site and users of our Service. This information typically
includes the following PII: IP address, email address, phone number, mailing address (if
applicable), name and company name. Upon uploading, the ad server companies
immediately “hash” this PII data so that it is not human-readable, for added security. If this
data set matches information the ad server company already has on file for you, these third-
party companies may use this information to re-target you with ads we think may be of
interest to you using “cookies”. However, we are never compensated for the transfer of any
of your PII to any third party (including third-party ad-network providers). The ad server
networks we use (EG, Google and Facebook) have confirmed they will delete and not make
any further use of any customer data sent to them as soon as this is “matched” with their
data set. In addition, we offer our customers and users the right to opt out of receiving future
advertisements using our products in accordance with applicable law, as per instructions set
forth in the targeted advertisements.

Automated Devices; Privacy Practices. We may use automated devices and applications,
such as Google Analytics, to evaluate usage of our Site, and to the extent permitted, our
Apps. We also may use other analytic means to evaluate our Site and Apps. We may use
these tools to help us improve our Site’s and Apps’ performance and user experiences.
These entities may use cookies and other tracking technologies, such as web beacons or
local storage objects (LSOs), to perform their services. To learn more about Google’s
privacy practices, please review the Google Privacy Policy.
Cross-Device Use. We and our service providers, including Google, may use the information
that we collect about you (whether directly from our Site, from our mobile applications,
through your device(s), or from a third party) to help us and our service providers identify
other devices that you use (e.g., a mobile phone, tablet, other computer, etc.).
Other Uses of Information. We may use information collected about you to enhance
provision of our Services to you, including:

Use for other purposes for which we provide notice to you at the time of collection or for which we obtain your consent

5. Sharing of Your Information
We will not share, rent or sell your information to third parties outside Prosperity and
affiliated companies without your consent, except as noted below:

Provide, operate, maintain and improve the Services
Enable you to access and use the Services
Send you technical notices, updates, security alerts and administrative messages
Enhance the customer registration and application process
Provide customer support services
Conduct surveys and collect feedback about our Services
Monitor and analyze trends, usage and other metrics relating to the Services,
including aggregate metrics such as total number of visitors, traffic, and demographic
patterns
Notify you about special offers and other products and services we may offer
Diagnose or fix technology problems and other security-related purposes
Manage and protect our Website and IT infrastructure
Detect and protect against potentially prohibited or illegal activities, including fraud,
unauthorized access and intellectual property infringement
Respond to lawful requests for information or legal process, or establish, exercise, or
defend a legal claim
Comply with our contractual obligations, our policies, industry standards, and
applicable laws
Process and use your information in an anonymized or aggregated form for
marketing and other data analytics purposes

Sharing with Third Parties. We may share your information with third-parties for the purpose
of providing our Services to you. Those third-parties may be given access to your
information as is reasonably necessary to deliver our Services. By providing Prosperity your
Information and Documents, you expressly authorize (a) Prosperity to disclose any or all of
such Information and Documents, at its discretion, to financial institutions, providers of
merchant cash advances, providers of factoring or receivables financing or other potential
funders or lenders (collectively, “Funders”) in connection with a potential business funding
transaction with you and (b) Prosperity and Funders to disclose any or all of such
Information and Documents, and share any or all of such Information and Documents with
other third-parties to assist in facilitating potential business funding transactions with you.

Pursuant to Lawful Requests. Prosperity will disclose your information if we reasonably
believe that such action is necessary to (a) comply with applicable local, state and federal
laws; (b) comply with reasonable requests by law enforcement; or (c) comply with a legally
served subpoena in a civil legal action.

Protect the Company and Users. Prosperity will disclose your information if we reasonably
believe that such action is necessary to (a) enforce our Terms of Service and Business
Funding Terms; or (b) protect the rights, property or personal safety of Prosperity and our
Users.

Use of Aggregate or Pseudonymous Information. We may also aggregate or otherwise strip
data of all personally identifying characteristics and may share that aggregated, anonymized
data with third parties.

6. How We Store Your Information
Your information collected through our Sites and the use of our Services may be stored and
processed wherever Prosperity maintains facilities in compliance with all applicable local,
state and federal laws. Prosperity reserves the right to remove any content that contains a
virus or other malicious code, or that otherwise violates any term of this Privacy Policy,
Terms of Service or Business Funding Terms.

7. Security of Your Information
Prosperity cares about the security of your information and uses commercially reasonable
safeguards to preserve the integrity and security of all information collected through your use
of our Sites and Services. We take reasonable measures, including physical, technical and
organizational safeguards to protect your information from unauthorized access, disclosure,
misuse, alteration, and destruction. These security measures include physical access
controls, firewalls, data encryption and information access authorization controls. You are
responsible for any use of our Sites and Services related to your account, whether by you or
a third party, as well as for controlling access to your email communications from us.
However, we cannot ensure or warrant the security of any information you transmit to
Prosperity or guarantee that information provided through our Sites and through the use of
our Services may not be accessed, disclosed, altered, or destroyed.

For Site security purposes and to ensure that our Website remains available to all users, we
may employ software programs to identify unauthorized attempts to upload or change
information, or otherwise cause damage. When you submit information to us through our
Website, you should be aware that your information is transmitted across the Internet, and
that no method of transmission over the Internet is 100% secure. We have implemented
security measures we consider reasonable and appropriate to protect against the loss,
misuse and alteration of the information under our control. While we strive to protect your

privacy, we cannot guarantee or warrant the security of any information you choose to
disclose or transmit to us online and are not responsible for the theft, destruction, or
inadvertent disclosure of your PII. In the event your PII (as the term or similar terms are
defined by any applicable law requiring notice upon a security breach) is compromised, we
may notify you (including by email) at the last address you have provided us in the most
expedient time reasonable under the circumstances; provided, however, delays in
notification may occur while we take necessary measures to determine the scope of the
breach and restore reasonable integrity to the system as well as for the legitimate needs of
law enforcement if notification would impede a criminal investigation.

8. California Privacy Data Use Disclosure
California law grants California residents certain rights and imposes restrictions on particular
business practices as set forth below. We are not compensated for the transfer of any of
your PII to any third party (including third-party ad-network providers). We are required to
notify California residents, at or before the point of collection of their personal information,
the categories of personal information collected and the purposes for which such information
is used.

Other Permissible Collections and Uses: We may process your information in an
anonymized or aggregated form for purposes other than described in this Privacy Policy. We
may use the information we collect for other purposes for which we provide notice to you at
the time of collection or for which we obtain your consent.
California Residents’ Rights: California law grants California residents certain rights and
imposes restrictions on particular business practices as set forth below.
Do-Not-Sell: California residents have the right to opt-out of the sale of their “personal
information”. We do not sell your personal information to anyone. We do provide certain
personal information of customers and users to ad server networks in order to generate
targeted ads for our products and services, but we offer such customers and users the right
to opt out of receiving future advertisements.
Initial Notice: We have listed below the categories of personal information about California
residents that we collect and/or disclose to third parties, including service providers. We only
collect and disclose your personal information for a business purpose relating to our
Services.

CATEGORIES OF PERSONAL INFORMATION NAME, CONTACT INFORMATION AND
IDENTIFIERS: name, company name, address, email address, account information, social
security number, driver’s license number and other similar identifiers.

CUSTOMER RECORDS: paper and electronic customer and business records that you
have uploaded onto our system, including the information specified in Section 1 of this
Privacy Policy and in this Chart.

PROTECTED CLASSIFICATIONS: protected classifications under California or federal law,
such as race, sex, age, religion, national origin, sexual orientation, disability, etc.
PURCHASE HISTORY AND TENDENCIES: commercial information, including products or
services purchased or other purchasing or consuming histories or tendencies.

USAGE DATA: internet activity information, including browsing history, search history, and
information regarding a resident’s interaction with an internet website, application, or
advertisement.

GEOLOCATION DATA: geographic location information about a user or device.

AUDIO/VISUAL: audio, electronic, visual or other similar information.

EMPLOYMENT HISTORY: Professional or employment-related information.

EDUCATION INFORMATION: non- publicly available academic or other educational
information.

PROFILES AND INFERENCES: characteristics used create a profile or reflect a user’s
preferences, characteristics, l trends, predispositions, behavior, attitudes, abilities and
aptitudes.

Verifiable Requests for Copy, Deletion and Right to Know. Subject to certain exceptions,
California residents have the right to make the following requests, at no charge, up to twice
every 12 months:
Right of Deletion: The right to request deletion of their personal information that we have
collected about them and to have such personal information deleted, subject to certain
exemptions, including where such information is necessary complete the transaction for
which the personal information was collected, provide a good or service requested by the
customer, or reasonably anticipated within the context of a business’s ongoing business
relationship with the customer, or otherwise perform a contract between a business and the
customer.

Right to a Copy: The right to request a copy of the specific pieces of personal information
that we have collected about them in the prior 12 months and to have this delivered, free of
charge, either (a) by mail or (b) electronically in a portable and, to the extent technically
feasible, readily useable format that allows the individual to transmit this information to
another entity without hindrance.

Right to Know: The right to request that we provide them certain information about how we
have handled their personal information in the prior 12 months, including the categories of
personal information collected and the purposes for which such information was collected (in
each case as specified in this Privacy Policy).

Shine the Light: California residents may request, free of charge, a list of what personal
information (if any) we provided to third parties in the preceding year for that third party’s
direct-marketing purposes. You may make one request per calendar year. In your request,
please attest that you are a California resident and provide a current California address for
your response. You may request this information in writing by contacting us as set forth in
the User Agreement. Please allow up to thirty (30) days for a response.
Incentives and “Non-Discrimination”. The California Consumer Privacy Act (“CCPA”)
prohibits discrimination against California consumers for exercising their rights under the
CCPA and imposes requirements on financial incentives, including loyalty programs offered
to California consumers related to their personal information.

Non-Discrimination: if consumers exercise their rights under CCPA, businesses may not
discriminate against them including by denying or providing a different level or quality of
goods or services or charging or suggesting that a business will charge different prices or
rates or impose penalties, unless doing so is reasonably related to the value provided by the
consumer’s data.

Submitting Requests. Requests to exercise the right to deletion, right to a copy, and / or the
right to know may be submitted by contacting us. We will respond to verifiable requests
received from California consumers as required by law.

9. Protecting Children
We take special care to protect the safety and privacy of children. Any features or aspects of
our Website which may require the submission of information are not intended for anyone
under 18 years of age. Prosperity does not knowingly collect or solicit any information from
anyone under the age of 18 or knowingly allow such persons to register as Users. In the
event that we learn that we have collected personal information from a child under age 18
without verification of parental consent, we will delete that information as quickly as possible.

10. Your Choices About Your Information
You control your account information and settings: You may update your account information
and email-communication preferences at any time by accessing your account and changing
your profile settings.
Please refer to your mobile device or browser’s technical information for instructions on how
to delete and disable cookies, and other tracking/recording tools. Depending on your type of
device, it may not be possible to delete or disable tracking mechanisms on your mobile
device. Note that disabling cookies and/or other tracking tools prevents Prosperity or its
analytics providers from tracking your browser’s activities in relation to the use of our Sites
and Services. However, doing so may disable many of the features available through the
Sites and Services. Following termination or deactivation of your User account, Prosperity
may retain certain information you have provided to us for a commercially reasonable time
for backup, archival, or audit purposes.

11. Links to Other Web Sites and Services
We are not responsible for the practices employed by websites or services linked to or from
our Sites or Services, including the information or content contained therein or sent to you in
a message from any third party that contacts you through the use of our Sites and Services.
Please remember that when you use a link to go from our Sites and Services to another
website, our Privacy Policy does not apply to third-party websites or services. Your browsing
and interaction on any third-party website or service, including those that have a link on our
website or through our Sites and Service, are subject to that third party’s own rules and
policies. This Privacy Policy does not apply to information we collect by other means
(including offline) or from other sources other than through our Sites and Services.

12. Changes to Our Privacy Policy
This Privacy Policy is revised periodically to reflect the changes in our business and
practices, and so you should review this page from time-to-time. When we change the policy
in a material manner, we will notify you.