Last updated and effective date: December 5, 2024

This Privacy Policy ("Policy") describes how Exchange Gurus, Inc. and its subsidiaries and affiliates (collectively, "Exchange Gurus," "we," "us," or "our") collect, use, store, and share your personal information when:

1. You access or use our websites, mobile applications, web-based applications, or other digital platforms where this Policy is posted ("Sites");
2. You use our products and services ("Services");
3. You communicate with us in any manner, including by e-mail, in-person, telephone, or other communication method ("Communications");
4. We obtain your information from third parties, including service providers, business partners, and governmental departments and agencies ("Third Parties"); and
5. You interact with us to conduct business dealings, such as the personal information we obtain from business partners, service providers, and contractors who provide us certain business services ("B2B").

This Policy applies wherever it is posted. To the extent an Exchange Gurus subsidiary or affiliate has different privacy practices, such entity shall have its own privacy statement posted as applicable.

Notice of Collection

What Type of Information Do We Collect About You?

Depending upon how you interact with our Sites and Services, the nature of your Communications, and our interaction with Third Parties, we may collect the following information from and about you:

• Direct identifiers (e.g., name, alias, social media handle, IP address, username and password, email, phone number, account details, government-issued identification numbers).
• Related identifiers (e.g., date of birth, financial details, insurance policy numbers, license plate information).
• Physical characteristics (e.g., protected characteristics under federal and state law such as age, sex, race, ethnicity).
• Commercial information (e.g., purchase history, consumer tendencies).
• Biometric information (e.g., fingerprints).
• Internet or other electronic network activity information (e.g., browser type, device type, operating system, mobile carrier, browsing history).
• Geolocation data (e.g., zip code, time zone).
• Audio, electronic, visual, and thermal information (e.g., call recordings, security camera footage).
• Professional or employment-related information (e.g., work history, salary, education).

How Do We Collect Your Information?

We collect your personal information in three ways:

1. Directly from you when you use our Sites, Services, or communicate with us.
2. Automatically when you access our Sites, Services, or communicate with us.
3. From Third Parties such as data analytics providers, social media networks, service providers, and public sources.

How Do We Use Your Information?

We use your personal information to:

• Provide and improve our Sites and Services.
• Conduct business dealings.
• Process transactions and fulfill orders.
• Respond to inquiries and customer support requests.
• Comply with legal and regulatory requirements.
• Prevent fraud and enhance security.
• Conduct marketing and advertising.

How Do We Disclose Your Personal Information?

We do not sell your personal information or share it for cross-context behavioral advertising. However, we may disclose your information:

• With your consent in various formats, including online agreements.
• As part of a business transfer (e.g., mergers, acquisitions).
• With service providers and contractors (e.g., payment processors, advertising partners, fraud prevention services).
• With subsidiaries and affiliates to facilitate business operations.
• For legal and regulatory purposes (e.g., compliance, fraud prevention, tax calculations).

Links to Third-Party Sites

Our Sites may contain links to third-party websites and services, which have their own privacy policies. We are not responsible for their policies or practices.

Third-Party Tracking / Do Not Track

Our Sites may collect information about your online activities. We do not currently alter our data collection in response to "Do Not Track" signals.

Social Media Integration

If you connect with us through social media, we may collect information such as profile details and contact lists. Please review the privacy policies of social media platforms for further details.

How Do We Store and Protect Your Personal Information?

We take reasonable steps to protect your personal information in accordance with applicable laws and regulations.

How Long Do We Keep Your Personal Information?

We retain your personal information as long as necessary for the purpose it was collected, our business needs, and legal obligations.

Cookies and Related Technology

We may use cookies, beacons, and other technologies to enhance our Sites and Services. You can manage cookie settings through your browser. We also use analytics tools like Google Analytics.

For additional details, please contact us at privacy@exchangegurus.com.

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