PRIVACY POLICY

Effective Date: December 11, 2025

OVERVIEW

LVRG, LLC, doing business as LVRG Business Funding ("LVRG," "we," "us," or "our"), is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our websites LVRGFunding.com and LVRGLLC.com (the "Website") or use our services. By using our Website or services, you consent to the practices described in this Privacy Policy.

INFORMATION WE COLLECT

We collect information you provide directly to us and information automatically collected when you use our Website.

Information You Provide: When you submit loan applications, contact forms, or inquire about financing or consulting services, we collect: contact information (name, business name, phone number, email address, mailing address); business information (industry, time in business, revenue, employee count, business structure, ownership information); financial information (credit scores, bank statements, tax returns, financial statements, profit and loss statements, balance sheets, cash flow projections, debt information); property and collateral information (addresses, valuations, intended use, property descriptions); personal guarantor information (Social Security numbers, personal financial statements, employment history); and any other information you choose to provide in communications with us.

Automatically Collected Information: When you visit our Website, we may automatically collect: device information (IP address, browser type, operating system, device identifiers); usage information (pages visited, time spent on pages, links clicked, referring website); location information (general geographic location based on IP address); and cookies and tracking technologies (as described below).

HOW WE USE YOUR INFORMATION

We use collected information for the following purposes: evaluating loan eligibility and creditworthiness; preparing and submitting loan applications to Partner Lenders; facilitating introductions and referrals to appropriate funding sources; coordinating loan underwriting, due diligence, appraisal, and closing processes; providing customer service, support, and loan status updates; processing consulting and advisory service engagements; communicating with you about your inquiries, applications, and services; sending marketing communications about our services (with your consent); improving our Website, services, and user experience; analyzing Website usage and user behavior; preventing fraud, unauthorized access, and illegal activities; complying with legal obligations and responding to lawful requests; protecting our rights, property, and safety; and enforcing our terms and agreements.

HOW WE SHARE YOUR INFORMATION

We share your information with the following parties as necessary to provide services:

Partner Lenders and Funding Sources: We share your information with banks, credit unions, commercial finance companies, and institutional lenders to evaluate your loan application and facilitate financing. These parties use your information to underwrite, approve, and fund transactions according to their underwriting guidelines and privacy policies.

Service Providers: We share information with third-party service providers who perform services on our behalf, including: credit bureaus and reporting agencies; appraisers, environmental consultants, and property inspectors; title companies, escrow agents, and closing attorneys; insurance providers and bonding companies; background check providers and verification services; IT service providers, cloud storage providers, and security providers; payment processors and financial service providers; and marketing and analytics providers.

Legal and Regulatory Compliance: We may disclose information to government agencies, law enforcement, regulators, and courts when required by law, legal process, court order, or government request, or when necessary to protect our rights, property, safety, or the rights of others.

Business Transfers: If LVRG is involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred as part of that transaction.

With Your Consent: We may share information with other parties when you provide explicit consent or direct us to do so.

We Do NOT: We do not sell, rent, or lease your personal or business information to third parties for their marketing purposes. We do not share information with unrelated third parties for purposes unrelated to your financing inquiry or services you have requested.

DATA RETENTION AND DELETION

LVRG does not store client files or documents beyond the active transaction period. For security and privacy purposes, all client files, financial documents, and application materials are permanently deleted from our systems and cloud-based platforms immediately following loan funding or immediately upon transaction decline or abandonment. We do not maintain long-term archives of client files, even for funded transactions. This deletion policy applies to all storage systems including secure file drives, cloud platforms, and temporary working environments.

However, we may retain limited transaction records (such as loan amount, closing date, parties involved, and basic transaction details) as required by law for tax reporting, regulatory compliance, audit purposes, and business accounting requirements. These limited records do not include detailed financial documents, bank statements, tax returns, or other sensitive financial information, which are deleted as described above.

We retain information for as long as necessary to: provide requested services; comply with legal obligations (including IRS, banking, and lending record retention requirements); resolve disputes and enforce agreements; prevent fraud and maintain security; and fulfill legitimate business purposes.

DATA SECURITY

We implement and maintain reasonable security measures to protect your information from unauthorized access, use, disclosure, alteration, and destruction. Security measures include: bank-level SSL/TLS encryption for data transmission (minimum 256-bit encryption); encrypted storage for data at rest; firewalls, intrusion detection systems, and security monitoring; role-based access controls limiting access to authorized personnel only; regular security assessments and vulnerability testing; employee training on data security and privacy practices; secure authentication and password requirements; and regular data backups with encrypted redundant storage.

Despite these measures, no data transmission over the internet or electronic storage system is 100% secure. While we use commercially reasonable efforts to protect your information, we cannot guarantee absolute security against all threats, sophisticated cyber attacks, or unauthorized access attempts by determined third parties. You acknowledge and accept the inherent risks of transmitting information over the internet.

COOKIES AND TRACKING TECHNOLOGIES

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your use of our Website and to improve user experience. Cookies are small data files stored on your device that help us recognize you, remember your preferences, and analyze Website usage.

Types of Cookies We Use: Essential cookies (necessary for Website functionality and services); analytics cookies (help us understand how visitors use our Website, including Google Analytics); marketing cookies (used to deliver relevant advertising and track campaign effectiveness); and preference cookies (remember your settings and preferences).

Third-Party Tracking: We use third-party analytics and advertising services that may collect information about your online activities over time and across different websites. These services include Google Analytics, which collects data about Website usage and user behavior. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Your Choices: Most web browsers accept cookies by default. You can usually modify your browser settings to decline cookies if you prefer. However, disabling cookies may limit your ability to use certain Website features. You can also opt out of interest-based advertising through the Digital Advertising Alliance (DAA) at www.aboutads.info or the Network Advertising Initiative (NAI) at www.networkadvertising.org.

YOUR PRIVACY RIGHTS

You have the following rights regarding your personal information:

Access: You have the right to request access to the personal information we have collected about you.

Correction: You have the right to request correction of inaccurate or incomplete personal information.

Deletion: You have the right to request deletion of your personal information, subject to legal retention requirements and legitimate business needs.

Opt-Out of Marketing: You have the right to opt out of receiving marketing communications from us at any time by clicking "unsubscribe" in emails, replying "STOP" to text messages, or contacting us directly.

Revoke Consent to Contact: You have the right to revoke consent to be contacted as described in our Website Disclaimer.

Do Not Sell: We do not sell personal information. If our practices change, we will provide notice and opt-out rights as required by law.

To exercise these rights, contact us at info@lvrgllc.com or (855) 998-5874 with "PRIVACY REQUEST" in the subject line. We will respond to your request within a reasonable timeframe as required by applicable law. We may need to verify your identity before processing certain requests.

CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know: You have the right to know what personal information we collect, use, disclose, and sell (if applicable) about you. You may request this information up to twice per year.

Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions.

Right to Opt-Out of Sale: We do not sell personal information as defined by CCPA/CPRA. If our practices change, we will provide notice and an opt-out mechanism.

Right to Non-Discrimination: You have the right to not receive discriminatory treatment for exercising your CCPA/CPRA rights.

Right to Correct: You have the right to request correction of inaccurate personal information.

Right to Limit Use of Sensitive Personal Information: If we use sensitive personal information for purposes other than providing services you requested, you may have the right to limit such use.

Categories of Information Collected: We collect the categories of information described in the "Information We Collect" section above, including identifiers, financial information, commercial information, internet activity, and professional information.

Business Purposes: We use personal information for the business purposes described in the "How We Use Your Information" section above.

Third-Party Sharing: We share personal information with the categories of third parties described in the "How We Share Your Information" section above.

To exercise your CCPA/CPRA rights, contact us at info@lvrgllc.com with "CALIFORNIA PRIVACY REQUEST" in the subject line, or call (855) 998-5874. We will verify your identity and respond within 45 days as required by law. You may designate an authorized agent to make requests on your behalf by providing written authorization.

OTHER STATE PRIVACY RIGHTS

Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws may have similar rights to those described in the California section above. To exercise your rights under applicable state privacy laws, contact us using the methods described in the "Your Privacy Rights" section.

CHILDREN'S PRIVACY

Our Website and services are not directed to children under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will delete such information promptly. If you believe we have collected information from a child under 18, please contact us immediately.

DO NOT TRACK SIGNALS

Some web browsers have "Do Not Track" (DNT) features that signal to websites that you do not want to have your online activities tracked. Our Website does not currently respond to DNT signals or similar mechanisms. We continue to collect information as described in this Privacy Policy regardless of DNT settings.

THIRD-PARTY WEBSITES

Our Website may contain links to third-party websites, including Partner Lender websites, government agency websites, and other external resources. This Privacy Policy does not apply to third-party websites. We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit before providing personal information.

INTERNATIONAL DATA TRANSFERS

Our Website and services are based in the United States and intended for users in the United States. If you access our Website from outside the United States, your information may be transferred to, stored, and processed in the United States where our servers and service providers are located. By using our Website, you consent to the transfer of your information to the United States and other jurisdictions that may have different data protection laws than your country of residence.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this Privacy Policy at any time. Changes are effective immediately upon posting to the Website with a new "Effective Date" at the top of this document. Your continued use of our Website or services after changes are posted constitutes your acceptance of the modified Privacy Policy. We encourage you to review this Privacy Policy periodically for updates. For material changes that significantly affect your privacy rights, we may provide additional notice via email (if we have your email address) or through a prominent notice on our Website.

CONTACT INFORMATION

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

LVRG, LLC d/b/a LVRG Business Funding 615 Griswold Street, Suite 700 Detroit, MI 48226 Phone: (855) 998-5874 Email: info@lvrgllc.com Websites: LVRGFunding.com | LVRGLLC.com

For privacy-related requests (access, correction, deletion, opt-out), please email info@lvrgllc.com with "PRIVACY REQUEST" in the subject line or call (855) 998-5874.

ACKNOWLEDGMENT

BY USING OUR WEBSITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY.