I. Scope of the Policy.

This Digital Privacy and Cookie Policy (“Policy”) applies to your interaction with Home Kapital Finance, LLC or any of its affiliates (collectively, “Home Kapital”, “we”, “us”, “our”): (1) at any online or mobile site or application that we own and control (“Site”), unless a different online and/or mobile or other privacy policy is posted in connection with a particular site, application, product or service , or is available to you and by its terms supersedes this Policy: or (2) through a Home Kapital advertisement, page, or account on a third-party site. We may collect, retain, use and disclose personal and other information about you in accordance with this Policy. Other privacy policies may also apply in addition to the terms of this Policy.

II. Agreement to Policy.

To the extent permitted by applicable law, by using a Site or interacting with a Home Kapital page or account on a third party site, you agree to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

III Information Collection, Use and Sharing.

You can interact with us in a variety of ways online, including through a mobile device. We may offer sites or applications that allow browsing and do not require registration. We may also offer the ability to enroll, register, or access your accounts online. The information we may collect about you through online interaction includes information you enter, such as your name, address, email address, and other contact information; data resulting from your activity, such as transaction information and the pages you visit on the Site; Location information; and biometric information. We may also collect additional information, such as the type of device and browser you are using, the IP address of your device, information about your device's operating system, and additional information associated with your device. We may also collect information collected through cookies, tags, and other technologies, as described below.

Some pages of the Site may use a technology called "cookies." A cookie is an electronic token that a server delivers to your browser when you access a website. Cookies are used to store many types of data and may be placed by Home Kapital or by a third party. Cookies help provide additional functionality to the Site or help provide and analyze Site traffic and usage information. Usage data may be stored in these cookies to record your preferences, login details and settings for future visits and, in some cases, to personalize the content displayed on the Site. For example, our server may set a cookie that prevents you from having to enter a password more than once during a visit to our Site.

In addition to the cookies we set during your use of the Site, third party providers may set additional cookies, where appropriate, when you visit our Site. This occurs because we have commissioned third parties to collect information for us, for example, for statistical usage analysis; it also occurs because our Site may contain content from third parties. When necessary, your browser connects, in order to access such third-party content, directly with the third-party providers' servers, allowing them to place their own cookies on your end device.

We may make use of tools to analyze the information obtained by cookies about your use of the Site to statistically evaluate your use of our Site for us, to create reports on Site activities and to provide further services related to the Site and the use of Internet. for us. This information may be transmitted to a server in another jurisdiction and stored there or in the cloud.

We may also use additional technologies, such as pixel tags, web beacons, and clear GIFs, and we may allow our third-party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining display and response rates, and determining which offers to present to you on our own sites or on third-party sites.

In addition to the uses described above, we use the information for purposes permitted by law, such as: service; to communicate with you; improve our Site, products or services; lawful accomplice; risk control; information security; anti-fraud purposes; market or customize the presentation of our products and services to you; o Track email access or site usage, such as the number of visits, pages viewed, and length of user sessions to gauge the usefulness of our sites.

IV. Children's privacy.

Our Sites are not directed to children under the age of 13 and we do not knowingly collect personal information from such children.

V. Policy Updates and Effective Date.

You agree and acknowledge that we may revise or change this Policy at any time, without notice, and you agree that the provisions of this Policy will be effective.