SHARP FINANCIAL SERVICES PRIVACY POLICY

Effective Date: 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.

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.

We maintain physical, electronic, and procedural safeguards designed to comply with applicable laws and protect your Personal Data. If you have questions, please contact us using the information in the Contact Us section.

Definitions

When This Policy Applies

This Privacy Policy applies 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 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:

• Name, email address, phone number
  

• Business, ownership, and professional information
  

• Equipment and transaction details
  

• Financial, banking, and credit-related information
  

• Applications, contracts, invoices, titles, and 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.

Automatic Data Collection

When you interact with our Platform, we may collect:

• IP address and general location (city/state only)
  

• Browser type, device type, and operating system
  

• Pages visited, dates, times, and referring URLs
  

• Usage and interaction 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 in your browser. Disabling cookies may limit Platform functionality.

Third-Party Sources

We may receive 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 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.

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
  

Service providers receive only the information necessary to perform contracted services and are bound by confidentiality obligations.

We may also share information with affiliates and business partners to fulfill requests, service accounts, improve services, and provide related offers.

We may share financial information with credit bureaus, banks, and financing sources involved in customer transactions, including syndicated transactions.

We may use digital advertising or bid-management systems integrated with CRM software. Information collected through email communications is stored with CRM providers and may be shared with third-party agencies for optimization.

We may share aggregated, de-identified analytics and performance data with vendor partners for credit eligibility and service evaluation purposes.

We may disclose information:

• When required by law or legal process
  

• To law enforcement authorities
  

• To prevent physical harm, fraud, or financial loss
  

• In connection with a merger, sale, or transfer of assets
  

• In bankruptcy or similar proceedings
  

We do not sell, rent, or lease Personal Information for third-party marketing purposes.

Third-party content or services on our Platform may collect information independently. Sharp Financial Services is not responsible for third-party privacy practices.

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@sharpfinservices.com.

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

We use reasonable administrative, technical, and physical safeguards to protect Personal Information. However, no system is completely secure, and email is not a secure communication method. We cannot guarantee absolute security of transmitted or stored information.

This section applies only to California residents.

Categories of Personal Information Collected

• Identifiers
  

• Commercial information
  

• Financial and transaction data
  

• Internet activity
  

• Professional or business information
  

Purposes

• Providing and administering Services
  

• Processing transactions
  

• Security and fraud prevention
  

• Legal compliance
  

• Analytics and service improvement
  

California Privacy Rights

California residents have the right to:

• Know what Personal Information is collected and disclosed
  

• Access Personal Information
  

• Request deletion
  

• Correct inaccurate information
  

• Not be discriminated against for exercising these rights
  

Sharp Financial Services does not sell Personal Information as defined by California law.

Exercising Your Rights

Requests may be submitted:

• Email: info@sharpfinservices.com
  

• Phone: (916) 885-4041
  

Identity verification is required. Requests are processed within statutory timeframes.

Our Platform is intended for use within the United States only. Data is processed and stored in the U.S.

We retain Personal Data as necessary to fulfill business and legal obligations. When no longer required, data is securely destroyed.

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