SHARP FINANCIAL SERVICES PRIVACY POLICY

Effective: December 1, 2025

At Sharp Financial Services (“Sharp Financial Services,” “Sharp FS,” “we,”
“us,” or “our”), your privacy is important to us. This Privacy Policy explains
the types of information we collect, how and why we collect it, how it is used
and shared, and the rights and choices available to you.
Please review this Privacy Policy carefully. By accessing or using our
website, platform, or services (collectively, the “Platform”), you
acknowledge and agree to the practices described in this Privacy Policy. If
you do not agree, please do not use our Platform.
Our goal is to maintain your trust and confidence when handling your
Personal Data. The security of your personal information is our priority. We
protect this information by maintaining physical, electronic and procedural
safeguards that meet applicable law.

If you have any questions or concerns, you may contact us at any time using
the information provided in the Contact Us section.

Table of Contents
1. Key Terms & Applicability
2. Personal Information We Collect
3. How We Collect Personal Information
4. How We Use Personal Information
5. How We Share Personal Information
6. Your Choices and Rights
7. Children’s Privacy
8. Data Security
9. California Privacy Addendum (CCPA/CPRA)
10. International Users
11. Do Not Track Signals
12. Changes to This Privacy Policy

13. Contact Us
14. Glossary

1. Key Terms & Applicability
Definitions
• Personal Information / Personal Data: Information that identifies,
relates to, describes, or can reasonably be linked to you or your device,
directly or indirectly. This does not include aggregated or de-identified
information.
• Platform: Our website and any related online services or functionality.
• Services: Financing brokerage services, consultations, applications,
document processing, and related offerings.
When This Privacy Policy Applies
This Privacy Policy applies to Personal Information we collect when you:
• Visit or use our Platform
• Apply for financing or related services
• Submit documents or communicate electronically
• Make payments or conduct transactions
When This Policy Does Not Apply
This Privacy Policy does not apply to:
• In-person or face-to-face interactions
• Audio-only telephone conversations
• Third-party websites or platforms linked from our Platform
• Information governed by separate notices or lender-specific disclosures

2. Personal Information We Collect
Information You Provide Directly
You may provide Personal Information including:

• Name, email address, phone number
• Business and ownership information
• Equipment and transaction details
• Financial, banking, and credit-related information
• Applications, contracts, invoices, titles, identification documents
• Payment-related information
Payment Processing
Payments may be processed through third-party providers (including
QuickBooks). Sharp Financial Services does not store full payment card or
bank account numbers and receives only tokenized or confirmation data.

3. How We Collect Personal Information
Automatic Data Collection
When you interact with our Platform, we may automatically collect:
• IP address and general location (city/state level only)
• Browser type, device type, operating system
• Pages visited, dates, times, and referring URLs
• Interaction and usage data
Cookies & Tracking Technologies
We use cookies, pixels, web beacons, and similar technologies to:
• Enable Platform functionality
• Maintain security
• Perform analytics and measure performance
You may adjust cookie settings through your browser. Disabling cookies may
limit Platform features.
Third-Party Sources
We may receive Personal Information from:
• Lenders, dealers, and financial partners

• Service providers
• Publicly available or lawful data sources

4. How We Use Personal Information
We use Personal Information to:
• Provide, operate, and administer our Services
• Process applications, payments, and transactions
• Communicate regarding accounts, requests, and updates
• Improve Platform performance and user experience
• Conduct analytics, research, and service optimization
• Detect, prevent, and respond to fraud or security risks
• Comply with legal, regulatory, and contractual obligations
Marketing
We may contact you regarding services that may be of interest. You may opt
out at any time.

5. How We Share Personal Information
We may share Personal Information with:
• Banks, lenders, and financial institutions
• Equipment dealers related to your transaction
• Service providers (hosting, analytics, IT, payments)
• Professional advisors (legal, accounting, compliance)
• Government or regulatory authorities when required
When you provide information to us, Sharp Financial Services may share
your information with service providers we have retained to perform services
on our behalf. These service providers are given only the personal data
necessary to perform the specific tasks requested and are not authorized to
use or disclose your information except as required to perform services for us
or to comply with legal requirements. We maintain contracts with these

providers that require them to adhere to the same confidentiality standards
that govern our own practices.
We may also share your information with our affiliates and business partners
to fulfill your requests, service your account, improve our services, and to
develop, inform you about, and provide offers related to our products,
services, and events, as well as those of our affiliates and business partners.
Sharp Financial Services may share a customer’s financial information with
credit bureaus, banks, and financing sources involved in transactions with
that customer, particularly in cases where transactions may be syndicated or
involve multiple funding sources.
Sharp Financial Services may use one or more digital advertising or bid
management systems, which may be integrated with customer relationship
management (CRM) software and may access customer data. Such data may
also be shared with third-party agencies for optimization purposes.
Information collected through email communications is stored with our CRM
providers. We may also share information with third parties for services that
we believe may be of interest to our clients or customers.
Sharp Financial Services may share analytics and performance data—such as
application volume, funded amounts related to vendor partners, losses,
reasons for losses, and customer satisfaction data—with vendor partners for
purposes such as establishing credit eligibility (including obtaining credit
scores) and determining potential eligibility for additional credit.
We may also disclose your information:
(i) when required or permitted by law or legal process;
(ii) to law enforcement authorities;
(iii) when we believe disclosure is necessary to prevent physical harm or
financial loss or in connection with investigations of suspected or actual
illegal activity;
(iv) in the event that all or part of Sharp Financial Services, or its assets, are
acquired, merged, sold, or otherwise transferred to one or more third parties;
or
(v) in the event of bankruptcy or similar proceedings.

We may aggregate information collected about our customers and users of
our website, including traffic patterns and service usage, and share this data
in aggregate form with service providers, affiliates, and business partners.
This aggregated information does not personally identify any individual.
Some content, functionality, and services on our website may be provided by
third parties that are not affiliated with Sharp Financial Services. These third
parties may collect information about your use of our website through
cookies, web beacons, or similar technologies and may combine such
information with data collected across other websites and online services.
Sharp Financial Services is not responsible for the privacy practices of third
parties or for the accuracy of information obtained from them.
Sharp Financial Services does not sell, rent, lease, or otherwise share
personal information with third parties for their own marketing
purposes.

6. Your Choices and Rights
Marketing Preferences
• Unsubscribe via email links
• Request text message opt-out by contacting us
Access, Correction & Deletion
Subject to applicable law, you may request to:
• Access your Personal Information
• Correct inaccuracies
• Request deletion
Email requests to info@sharfinservices.com .

7. Children’s Privacy

Our Platform is not intended for individuals under 18 years of age. We do not
knowingly collect Personal Information from minors.

8. Data Security
We use reasonable administrative, technical, and physical safeguards to
protect Personal Information. However, no security technology is completely
secure, and you should remember that email is not a secure means of
communication. While we strive to protect the information that we maintain,
due to the inherent nature of the Internet, we cannot (and do not) guarantee,
and make no representation or warranty about, the security of any
information that you transmit to us or which is stored by us.
Sharp Financial Services understands the importance of your privacy rights
and takes their protection seriously. We recognize that you have placed your
trust in us, and we strive to preserve that trust as a priority.

9. California Privacy Addendum
This section applies only to California residents and supplements the Privacy
Policy above.
Categories of Personal Information Collected
• Identifiers (name, email, phone number)
• Commercial information
• Financial and transaction data
• Internet activity (IP address, browsing interactions)
• Professional or business information
Purposes for Collection
• Providing and administering Services
• Processing transactions
• Security and fraud prevention
• Legal compliance
• Analytics and service improvement

Your California Privacy Rights
You have the right to:
• Know what Personal Information we collect, use, and disclose
• Access your Personal Information
• Request deletion of Personal Information
• Correct inaccurate Personal Information
• Not be discriminated against for exercising these rights
This California Consumer Privacy Act Privacy Policy (the “CCPA Privacy
Policy) describes the ways Sharp Financial Services., and its affiliates,
subsidiaries and related entities (collectively, “we” or “us” or “Sharp
Financial Services”) collect, store, use, disclose, and protect Personal Data
received from our actual and prospective customers and clients. This privacy
policy is applicable only to California residents, and supplements the Sharp
Financial Services Privacy Policy. As required in the California Consumer
Privacy Act of 2018 (the “CCPA”), this policy describes the rights available
to California consumers (defined as California residents) regarding their
personal information, and our practices regarding the collection, use,
disclosure, and sale of personal information as defined in the CCPA.

Under the CCPA, California resident rights include:
• Right to Know: This is your right to know what categories of personal
information we collect about you, how we use your personal
information, whether we share, disclose and/or sell your personal
information to third parties, and what other rights you may have under
the CCPA with respect to your personal information;
• Right to Delete: This is your right to request that we delete the personal
information we have collected from you and maintain in our systems,
subject to certain exceptions that permit us to keep your personal
information for specific purposes;
• Right to Access: This is your right to request access to the personal
information we have collected about you;

• Right to Opt-Out of Sale: This right allows you to opt-out of the sale of
your personal information to third parties; and
• Right to Non-Discrimination/Equal Service: This right means that we
will not discriminate against you in any manner because you elect to
exercise any of your rights under the CCPA.
THE CATEGORIES OF PERSONAL INFORMATION ABOUT YOU THAT
WE COLLECT, USE, AND/OR DISCLOSE UNDER THE CCPA

In addition to the disclosures in the Privacy Policy, the CCPA requires that we
provide you with certain, additional disclosures.
The Categories of Personal Information We Collect under the CCPA
Sharp Financial Services collects the following categories of personal
information, as defined in the CCPA, about California consumers:

• Personal identification information, including: name, date of birth,
address, social security number or country identification number,
passport number, driver’s license number, home phone numbers,
personal cell phone numbers, personal email addresses and country of
citizenship information;
• Protected classification characteristics under California or federal law
(e.g., age, race, color, ancestry, national origin, citizenship, religion or
creed, marital status, medical condition, physical or mental disability,
sex, veteran, or military status;
• Commercial information (e.g., records of personal property, past
business transactions, ownership information, vendor information,
financial statements, credit explanations and credit histories, bank
account statements, facility lists, and bank account details);
• General geolocation data.
The Sources from Whom We Collect Personal Information under the CCPA

We collect personal information about you from a variety of sources. These
sources include:

• Information you provide to us directly, indirectly, advertently, and
inadvertently (which may be obtained from emails, web forms or in
other manners);
• Information we may automatically collect such as your IP address, the
name of the domain you used to access the Internet, the link that
brought you to our website and any links clicked within our website;
• Information obtained from third parties (e.g. credit bureaus,
background check companies, business verification sites such as
Secretaries of State, the Federal Department of Transportation’s Safety
and Fitness Electronic Records (SAFER) system); and
• Publicly available information about you.
How We Use the Categories of Personal Information We Collect under the
CCPA

We may use the personal information we collect about you to:
• Fulfill our contract with you;
• Decide whether to enter into a contract with you;
• Determine the creditworthiness of a prospective customer, help prevent
fraud and verify safety records;
• Evaluate and process client transactions;
• Create and administer a Sharp Financial Services account, including
managing billing, invoicing, and debt collection activities.
• Fulfil our legal requirements (e.g. to comply with or respond to respond
to a request or requirement pursuant to law, regulation, or from a
governmental or judicial body, or to help prevent fraud or for risk
management purposes);
• Protect our rights, our personnel, our property, and the safety of others;
• Maintain our accounting, tax, and other records;
• Comply with applicable federal and state laws and regulations, as well
as for the general administration of our business;
• Deliver and personalize communications with you;
• Create internal business and marketing reports; and
• provide advertising and marketing to you.

The Categories of Personal Information We Disclose or Sell to Third Parties
under the CCPA

Sharp Financial Services does not sell your personal information to third
parties for monetary consideration or for any purpose, including advertising
or marketing. In some limited situations, Sharp Financial Services may
disclose or make available certain personal identifiers, as defined by the
CCPA, to service providers who perform services on our behalf for specific
business purposes. In those instances, these service providers will be given
only the Personal Data needed to perform the tasks we request of them and
they are not authorized by us to use or disclose your information except as
necessary to perform services on our behalf or to comply with legal
requirements. We have contracts in place holding these companies to the
same standards of confidentiality by which we are governed. Sharp Financial
Services engages service providers for the following business purposes:
• To fulfill your requests and service your account, improve our services,
and to inform you about and provide you with offers about our
products, services, events, as well as those of our affiliates and business
partners;
• Obtaining credit and reporting credit information with credit bureaus,
banks, and financing sources involved in transactions with you,
particularly for transactions that are syndicated;
• Digital advertising bid management systems, which may be integrated
with customer relationship management (CRM) software to pull
customer data. Such data may also be made available to a third-party
agency for optimization. All information that is collected by means of
email is stored with our CRM providers. We may also share
information with third parties for services that we believe may be of
interest to clients/customers;
• Analytics and performance data – such as application counts, funded
dollars related to vendor, losses, reasons for losses, and customer
satisfaction data – with vendor partner companies for the purpose of
establishing credit eligibility (such as to obtain your FICO score) and
determining potential eligibility for additional credit;
• Auditing; and

• Performing business activities and functions on our behalf to support
our interactions with you, such as billing and collections, payment
processing, analytics and research, marketing, and fraud prevention;
The CCPA does not restrict Sharp Financial Services’ ability to disclose the
personal information identified earlier in this policy to third parties for the
following purposes, including to:
• Comply with federal, state, or local laws;
• Comply with a civil, criminal, or regulatory inquiry, investigation,
subpoena, or summons by federal, state, or local authorities;
• Cooperate with law enforcement agencies concerning conduct or
activity that the business, service provider, or third party reasonably
and in good faith believes may violate federal, state, or local law;
• Exercise or defend legal claims;
• Collect, use, retain, sell, or disclose consumer information that is
deidentified or in the aggregate consumer information; and/or
• Collect or sell a consumer’s personal information if every aspect of that
commercial conduct takes place wholly outside of California.
YOUR RIGHTS TO KNOW, REQUEST ACCESS TO AND/OR
DELETION OF PERSONAL INFORMATION AND HOW TO EXERCISE
THOSE RIGHTS

With certain limitations, the CCPA establishes your right to request access to
the personal information we collect about you, and the right to request the
deletion of the personal information we collect from you. In order to submit a
verifiable consumer request, please visit the “How You Can Submit A
Verifiable Consumer Request for Access to and/or Deletion of Your Personal
Information” section below.

Right to Know What Personal Information We Have Collected About You
under the CCPA and Other California Law

The CCPA requires that, upon request, we provide you with the following
information:

• the categories of personal information we have collected about you;

• the categories of sources from which the personal information is
collected;
• the business or commercial purpose for collecting, disclosing or selling,
if applicable, the personal information;
• the categories of third parties with whom we have shared or sold, if
applicable, your personal information; and
• the specific pieces of personal information we have collected about
you.
This is known as your “right to know” under the CCPA.
Right to Request Access to the Personal Information We Have Collected
About You

The CCPA also provides that we provide you with access to the actual
personal information we have collected about you in the preceding twelve
(12) months; this is known as your “right to access.” The CCPA requires us to
comply with up to two (2) access requests in a twelve (12)-month period,
which are subject to limitations for manifestly unfounded or excessive
requests. In addition, there are some types of personal information that we
will not return to you in response to your access request because of the
inherently sensitive nature of such information which could create a
substantial, articulable, and unreasonable risk to the security of that personal
information. This includes your Social Security number, driver’s license
number or other government-issued identification number, financial account
number, health insurance or medical identification number, account
password, or security questions and answers.
Right to Request Deletion of the Personal Information We Have Collected
from You

If you want us to delete the personal information we have collected from you,
subject to a verifiable consumer request, we will delete your personal
information from our systems, subject to certain exceptions for which it is
necessary for us to continue to retain such information. We will also notify
any service providers and third parties with whom we have shared your
personal information of your request. As noted above, your deletion request is

subject to certain exceptions which we may rely on where it is necessary for
us to:

• Complete the transaction for which the personal information was
collected, provide a good or service requested by you, or reasonably
anticipated within the context of our ongoing business relationship with
you, or otherwise perform a contract between you and us;
• Detect security incidents, protect against malicious, deceptive,
fraudulent, or illegal activity; or prosecute those responsible for that
activity;
• Identify and repair errors that impair existing intended functionality of
our services;
• Exercise free speech, ensure the right of another consumer to exercise
his or her right of free speech, or exercise another right provided for by
law;
• Engage in public or peer-reviewed scientific, historical, or statistical
research in the public interest that adheres to all other applicable ethics
and privacy laws, when our deletion of the information is likely to
render impossible or seriously impair the achievement of such research
if you have provided informed consent;
• To enable solely internal uses that are reasonably aligned with the
expectations of the consumer based on the consumer’s relationship with
us;
• Comply with a legal obligation; or
• Otherwise use the personal information, internally, in a lawful manner
that is compatible with the context in which you provided the
information.
If any of these exceptions apply, Sharp Financial services is not required to
delete your personal information. In the event that we deny your request to
delete based on any of these exceptions, we will inform you, in writing, of the
reason.

How You Can Submit A Verifiable Consumer Request for Access to and/or
Deletion of Your Personal Information

Sharp Financial services takes the responsibility of protecting your privacy
and the information it collects about you seriously. Given the sensitive nature
of the information under the CCPA and as proscribed by the law itself, it is
essential that we verify your identity in order to process your request. Sharp
Financial Services has trained dedicated team members to conduct the
identity verification process. If we cannot verify your identity, we cannot
fulfill your request.
It may take up to forty-five (45) days to fulfill your request, or up to a total of
ninety (90) days if additional time is needed. In the event that we cannot
complete your request within the initial forty-five (45) day period, we will
notify you in writing within the initial forty-five (45) day period.
To exercise one or more of your CCPA rights, please submit a verifiable
consumer request:
• Via our dedicated CCPA request email address at
info@sharpfinservices.com;
• By calling our toll-free number at 916.885.4041

The CCPA allows you to authorize another person to make a verifiable
consumer request on your behalf. If an authorized agent will be submitting a
request for access to or deletion of personal information on your behalf, the
authorized agent should submit the request via the methods described above.
As part of the authorized agent request process, Sharp Financial Services will
use reasonable efforts to verify your identity, as well as the identity of your
authorized agent to ensure that your agent has been properly authorized by
you to request information on your behalf.

How to Submit a Request
Email: info@sharpfinservices.com

We may verify your identity before responding.
Sale or Sharing of Personal Information
Sharp Financial Services does not sell Personal Information as defined by
California law.

10. International Users
Our Platform is intended for use within the United States only. All data is
processed and stored in the U.S.

11. How Long We Store Your Personal Data
We shall store your Personal Data based on business needs and legal
requirements. We retain your Personal Data for as long as is necessary for the
processing purpose(s) for which the information was collected, and any other
permissible, related purpose. For example, we may retain certain Personal
Data to comply with regulatory requirements regarding the retention of such
data. When Personal Data is no longer needed, we securely destroy the data.

12. Changes to This Privacy Policy
We may update this Privacy Policy periodically. Updates will be posted with
a revised effective date. Continued use of the Platform constitutes acceptance
of changes.

13. Contact Us

Sharp Financial Services
📍 Plaza at Stanford Ranch
2204 Plaza Drive, Unit 130
Rocklin, CA 95765
📞 (916) 885-4041
📧 info@sharpfinservices.com

14. Glossary
• Cookies: Small files stored on a device to enable website functionality
• Pixel / Web Beacon: Tracking technologies used for analytics and email
interaction
• Unique Identifier: A code used to recognize a device or browser
• De-Identified Data: Data that cannot reasonably identify an individual