Website User Agreement and Privacy Statement

This website is owned by and under the control of Approve Lending, LLC (“Approve Lending”). Access to and use of this website and all of Approve Lending’s content, services, materials, information, and systems are subject to this Website User Agreement and Privacy Statement, any agreements and applicable laws and regulations (including all export and import laws, regulations and restrictions), all of which are subject to change and revision from time to time without prior notice.

From time to time, Approve Lending may (a) supplement or make changes to this Website User Agreement and Privacy Statement and other rules or access and use procedures, documentation, security procedures and standards for equipment, (b) change the type and location of Approve Lending’s system equipment, facilities or software, or (c) modify or withdraw any particular service or product referred to in this website or any Approve Lending material, service or system.

Approve Lending reserves the right to terminate access to this website or take other actions it reasonably believes necessary to comply with the law or to protect its rights or customers. Any access or attempt to access or use this website for any unauthorized or illegal purpose is strictly prohibited.

The material on this website is provided for information and convenience purposes only. Although every effort is made to provide accurate, reliable, and current information, Approve Lending provides no warranty, express or implied, or guarantee as to the reliability, completeness, or accuracy of the information.

General Information

This Website User Agreement and Privacy Statement shall be deemed to have been made in the State of Illinois, United States of America, and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with laws of the State of Illinois, without regard to conflicts of law principles. The parties consent to the exclusive jurisdiction of the State and Federal Courts for Cook County, Illinois, United States, for the determination of any claim or controversy between the parties and arising out of or relating to this Website User Agreement and Privacy Statement. Both parties hereby consent to the jurisdiction of the Illinois Courts and waive any objections as to personal jurisdiction or as to the laying of venue in such Courts due to inconvenient forum or any other basis.

If any part of this Website User Agreement and Privacy Statement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will be deemed superseded by valid, enforceable provisions that most closely match the intent of the original provisions of this Website User Agreement and Privacy Statement, and the remainder of the Website User Agreement and Privacy Statement shall continue in effect.

Privacy Statement

Approve Lending understands that your privacy is important and recognizes your right to know how we collect and use information. There may be instances where site visitors may volunteer personally identifiable information (“Information”) in order for Approve Lending to provide site visitors with a service, such as when the utilize the “Contact Us” page. This Information is collected and stored in a manner appropriate to the nature of the request, as determined by Approve Lending. Where expressly allowed under the terms of the particular service, the Information collected may be shared with non-affiliated third parties in a manner consistent with the purpose for which the Information was collected. This Information may also be shared with affiliates, parents, subsidiaries, and servicers of Approve Lending for use on behalf of Approve Lending in accordance with the terms and conditions of the particular service. We may store this Information and use it for marketing research and other marketing purposes.

If you become a customer of Approve Lending, your privacy rights will be set forth in a Privacy Notice you will receive from us. This website does not collect, display, or use your account or other financial information.

Collecting and Sharing Website User Data

While visiting this website, we may collect and store the name of your Internet service provider, operating system, user agent, the browser (including available plug-ins and browser functionality and version) and type of machine you are using, screen resolution, the IP address, location, the website that referred you to us, the pages you request and the date and time of those requests. We use this data to generate statistics and measure site activity to improve the usefulness of customer visits.

In addition, we may share some or all of this data with third parties including Adobe Analytics, Google Analytics, Full Story and Qualtrics for the purpose of generating statistics, improving site performance and usability, and for generating surveys to measure site functionality.

Use of Cookies and Tracking User Traffic

Cookies are pieces of information that a website transfers to an individual’s hard drive for recordkeeping purposes. Cookies allow Approve Lending to track certain website and user activity so that we may track site and user activity. By showing how and when visitors use the site, cookies help Approve Lending to track those areas of our site that are popular and which areas are not.

In addition, Approve Lending may use cookies, beacons, embedded scripts, etags and/or HTML5 to track browsing activities conducted with your device. Approve Lending may partner with Google Analytics or other third parties to deliver advertisements that may be of interest of you, and Approve Lending may monitor activities on our own website and other websites.

Any information, including but not limited to remarks, suggestions, ideas, graphics, or other submissions, communicated to Approve Lending through this website is deemed nonconfidential and is the exclusive property of Approve Lending. Approve Lending is entitled to use any information or ideas submitted for any purpose without restriction and without compensation or acknowledgement of its source.

Copyright and Trademark Notices

Except as otherwise identified, the copyright in the content of this website is owned by Approve Lending. No part of this website may be published, stored or transmitted in any form or means without the express written permission of Approve Lending. You may download content displayed on this website for non-commercial, personal use only and must retain all copyright and other proprietary notices contained in the content.

Products, company names and trademarks, including names, logos, slogans and service marks, appearing on this website and mentioned within this Website User Agreement and Privacy Statement, whether registered or unregistered, are the property of their respective owners. These marks are not to be copied, reproduced, published or in any way used without the written permission of the identified owner of the trademark.

Warranty Disclaimer

CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION CONTAINED IN THIS WEBSITE. APPROVE LENDING AND ITS DIVISIONS, SUBSIDIARIES, AND SERVICERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEBSITE AT ANY TIME, WITHOUT ANY NOTICE TO YOU. APPROVE LENDING AND ITS DIVISIONS, SUBSIDIARIES AND SERVICERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS WEBSITE FOR ANY PURPOSE. THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS ANDSERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. APPROVE LENDING AND ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. YOU ACKNOWLEDGE THAT, TO THE FULLEST EXTENT PROVIDED BY APPLICABLE LAW, YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. THIS DISCLAIMER CONSTITUTES AN ESSENTIAL PART OF THESE TERMS OF USE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THIS WEBSITE AND AGREE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THIS WEBSITE MAY NOT BE SECURE AND MAY BE INTERCEPTED OR OTHERWISE ACCESSED BY UNAUTHORIZED PARTIES. YOU AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, APPROVE LENDING IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE TO YOUR PROPERTY OR DATA THAT RESULTS FROM YOUR USE OF THIS WEBSITE. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY OR CONSEQUENCEL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Limitation of Liability

IN NO EVENT SHALL APPROVE LENDING, ITS PARENT(S), SUBSIDIARIES AND SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEB SITE, THE THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, LOSS OF USE OF ANY RECORD OR DATA, AND ANY OTHER TANGIBLE OR INTANGIBLE LOSS, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF APPROVE LENDING AND ITS DIVISIONS, SUBSIDIARIES OR VENDORS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

No Unlawful or Prohibited Use

As a condition of the use of this website, you warrant to Approve Lending that you will not use this website for any purpose that is unlawful or prohibited by the terms, conditions and notices of this Website User Agreement and Privacy Statement or by any applicable law.

Links To and From Third-Party Websites

This website contains hyperlinks to one or more operated by Approve Lending’s servicer, Santander Consumer USA, Inc. including www.myaccount.santanderusa.com Approve Lending does not control these websites and is not responsible for their content. See the website and privacy information linked through those websites, which may include www.santanderconsumerusa.com, for the any website use agreement and privacy statements that apply after you leave this site. Approve Lending’s inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites.

No person may establish hyperlinks either to this website or away from this website without the prior written consent of Approve Lending, which consent may be given or withheld in Approve Lending’s sole discretion. In its sole discretion, Approve Lending reserves the right to remove a hyperlink to this website or away from this website at any time and for any reason. Use the “Contact Us” page to request consent. All hyperlinks approved shall be to the home page of this website. Website framing is expressly prohibited.

Modifications of the Website User Agreement and Privacy Statement

Approve Lending reserves the right to change this Website User Agreement and Privacy Statement at any time by revising the terms and conditions herein. The website visitor is responsible for regularly reviewing these terms and conditions which have been or will be published on the website.

California Consumer Privacy Act (CCPA)

The California Consumer Privacy Act (CCPA) requires specific disclosures to California residents in this Privacy Policy. The required information is included in the entirety of this Privacy Policy and the specific rights granted to You if you are a California resident are detailed below. You have the following rights:

The right to notice. You must be properly notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
The right to access / the right to request. The CCPA permits You to request and obtain from Approve Lending information regarding the disclosure of Your Personal Data that has been collected in the past 12 months by Approve Lending or its subsidiaries to a third-party for the third party’s direct marketing purposes.
The right to correct inaccurate personal information. You have the right to request that we correct any inaccurate personal information we may have collected about you during the performance of our normal business operations.
The right to limit the use and disclosure of sensitive personal information collected about You. You can direct businesses to only use your sensitive personal information (for example, your social security number) for limited purposes, such as providing you with the services you requested.
The right to say no to the sale of Personal Data. You also have the right to ask Approve Lending not to sell Your Personal Data to third parties.

The right to know about Your Personal Data. You have the right to request and obtain from Approve Lending information regarding the disclosure of the following:

Note: Approve Lending does NOT sell your personal information

The categories of Personal Data collected
The sources from which the Personal Data was collected
The business or commercial purpose for collecting or selling the Personal Data
Categories of third parties with whom We share Personal Data
The specific pieces of Personal Data we collected about You

The right to delete Personal Data. You also have the right to request the deletion of Your Personal Data collected in the past 12 months, with certain exceptions.
The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your rights under the CCPA. Approve Lending will not discriminate against any California resident if they exercise their rights provided under the CCPA, including by:

Denying goods or services to You
Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
Providing a different level or quality of goods or services to You
Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services.

Exercising Your CCPA Data Protection Rights

In order to exercise any of Your rights under the CCPA, and if you are a California resident, you can email or visit our “California Consumer Privacy Act (CCPA) Privacy Rights Manager” via the direct link or email address below.

Email:

[insert email address]

Telephone:

[insert telephone number] – Ask to speak to our Compliance Team

The Approve Lending will respond to Your initial request within 10 business days of its receipt. Approve Lending will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Children’s Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect or use any personal data from users under 18 years of age. No information should be submitted to our website from visitors under 18 years of age. You must be 18 years or older to purchase and/or use our services. If we learn that we have collected personal data from someone under 18, we will take steps to delete the information as soon as possible.

“Do Not Track” Policy as Required by California Online Privacy Protection Act (CalOPPA)

The “Do Not Track” Signal is a feature that enables you to send a signal to websites, analytics companies, ad networks, plug in providers, and other web services you encounter to stop tracking your activities. We do not currently respond to a “Do Not Track” signals. However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable “Do Not Track” by visiting the preferences or settings page of Your web browser.

Changes to this Website User Agreement and Privacy Statement

It is our policy to post any changes we make to this Privacy Notice on this website. The date that this Website User Agreement and Privacy Statement was last revised is identified at the top of the page. Please periodically visit our website or mobile application and this Website User Agreement and Privacy Statement to check for any changes. You are advised to review this Website User Agreement and Privacy Statement periodically for any changes. Changes to this Website User Agreement and Privacy Statement are effective when they are posted on this page.

Marketing

We may use your data to provide you with information about our services, products and special offers. We may also permit certain third-party companies to help us deliver customized advertising that we feel would be of interest to you based on your use of the Service. If you do not wish to have this information used for the purpose of delivering targeted ads, you may opt-out. See “Opting Out of Marketing,” below.

Opting Out of Marketing Communications

If you wish to opt out of marketing communications from Us, you may click on the ‘Unsubscribe’ link at the bottom of the email you received or by calling the ‘Opt Out’ phone number ([insert phone number]).

Requests to Change Your Information/Review Your Information

You can make a request to review the personal information we have collected or to correct any personal information associated with your account by submitting a request to [insert email address] or by calling [insert telephone number].

Any information to which you are entitled will be provided within a reasonable timeframe, subject to the exemptions stipulated in applicable data protection laws. If you believe the information, we are holding about you is incorrect or incomplete, please contact us as soon as possible, via one of the methods listed above. We will promptly correct any information found to be incorrect.

If You have any questions regarding the information contained in this Privacy Policy, please reach out to us at [insert email address] or by calling [insert telephone number].

Last revised September 2025