Disclosures, Privacy & Terms

This Privacy Policy applies to anyone providing us information including, without limitation:

• Existing and prospective customers, and their authorized representatives ("Clients"), who have submitted inquiry forms or related information to us
• Affiliates, business partners, agents, vendors, consultants, and other service providers ("Service Providers")
• Visitors of our website at ResolveFi ("Site Visitors")

We use the term "you" to refer, as applicable, to Clients, Service Providers, and Site Visitors.

By accessing and using our Website as a Site Visitor, you acknowledge that you have read and understood this Privacy Policy and agree to be legally bound by it. By submitting information through our Website, you affirmatively agree that you have read and agree to this Privacy Policy.

We may record calls and retain the content of text messages, emails, electronic submissions, or other written/electronic communications between you and us. By communicating with us, you consent to such recording and retention. Third-party partners may also record your calls and retain the content of text messages or emails. Each third-party partner's individual practices govern their own communication and information retention practices.

We may collect the following Personal Information:

• Your name, address, email address, and phone number
• Financial information including income range, debt amount, and credit score estimate
• Date of birth and state of residence
• Browsing history when interacting with our Website
• Device identifiers, cookies, IP addresses, and log information
• Device information including hardware, software settings, and browser type
• Referring URLs and lead source information
• Geolocation data based on IP address

We also collect Online Activity Information through our Website and third-party analytics tools. When Online Activity Information can be associated with your Personal Information, we treat it as Personal Information.

• To match you with participating lenders and financial providers through Monevo's marketplace
• To facilitate your inquiry and connect you with relevant financial products
• To respond to your inquiries and communicate with you regarding our services
• To contact you regarding your inquiry if you have provided explicit consent
• To perform analytics, quality control, and improve our platform
• To comply with applicable legal and regulatory requirements
• To maintain TCPA consent audit logs

Your information may be shared with:

• Participating lenders within the Monevo marketplace network
• Financial service providers relevant to your inquiry
• Technology and service partners who assist with inquiry processing and platform operations

We do not independently sell consumer information unrelated to servicing inquiries or provider matching. However, depending on our relationship with you, information may be disclosed in ways that could be broadly deemed a "sale" or "sharing" for purposes of the CCPA, including for cross-context behavioral advertising. See Section 5 above for categories involved.

We use cookies, pixels, and related technologies for analytics, marketing attribution, and conversion tracking. This includes:

• Meta/Facebook Pixel and related advertising technologies
• Google Analytics and similar tools
• Server-side event tracking
• Conversion tracking and attribution tools
• Web beacons and pixel tags

You may set your browser to refuse cookies, though certain site features may be affected. You may also opt out of targeted advertising at www.aboutads.info/choices.

We retain Personal Information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and maintain audit records for regulatory compliance including TCPA consent logs. Retention periods are determined by: (i) the duration of our relationship with you; (ii) applicable legal obligations; and (iii) our legal position including applicable statutes of limitations.

WE DO NOT COLLECT OR STORE ANY PERSONAL INFORMATION FROM INDIVIDUALS THAT WE KNOW ARE UNDER THE AGE OF 16, consistent with the Children's Online Privacy Protection Act (COPPA). If you believe we have inadvertently collected information from a minor, please contact us immediately so it can be deleted.

California residents have the following rights:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information we have collected
• Right to opt out of the sale or sharing of personal information
• Right to correct inaccurate personal information
• Right to limit use of sensitive personal information
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us at privacy@ResolveFi. We will process requests within 15 business days subject to applicable exceptions.

You may also submit a Do-Not-Sell request by emailing privacy@ResolveFi. California residents may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs.

We may update this Privacy Policy from time to time. Material changes will be communicated by posting the updated policy on our website. Your continued use following notice constitutes your agreement to the updated terms. If you do not agree with any changes, please contact us at privacy@ResolveFi.

For privacy-related inquiries: privacy@ResolveFi
ResolveFi · A Forward Financial Network LLC Affiliate, United States

Products and services offered through ResolveFi are not available to persons under the age of 18 or non-legal residents of the United States. BY SUBMITTING ANY FORM OR USING THIS WEBSITE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OF AGE AND A LEGAL U.S. RESIDENT.

THE SERVICE IS NOT AVAILABLE TO RESIDENTS OF CONNECTICUT, NEW HAMPSHIRE, WASHINGTON, OR VERMONT, OR TO ACTIVE MEMBERS OF THE MILITARY.

You must have verifiable income and an active U.S. bank account. You must provide accurate and truthful information. Providing false information may result in immediate termination of your access to the service.

LEND.LY IS NOT A LENDER AND DOES NOT MAKE CREDIT DECISIONS. FORWARD FINANCIAL NETWORK LLC D/B/A LEND.LY OPERATES AS A BROKER AND CONNECTOR BETWEEN CONSUMERS AND PARTICIPATING CREDIT PROVIDERS. THIS SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND.

ResolveFi is a consumer-facing loan inquiry and matching platform powered by Monevo, a TransUnion company. Forward Financial Network LLC operates exclusively as a broker and connector — not a lender, not a debt settlement company, and not a credit provider. We do not issue loans, hold consumer funds, service debt, or make credit decisions. By submitting your information, you understand that ResolveFi will share your information with participating credit providers through the Monevo marketplace network in order to match you with relevant financial products.

ResolveFi does not guarantee: that you will be connected with a lender; any particular loan program; that you will receive a loan; that the rates, fees, or terms offered are the best available in the market. Not all marketplace participants can provide your requested loan amount or the most favorable repayment terms.

ResolveFi does not charge consumers any fee to use this website or submit an inquiry.

To use the service, you must complete and submit the information requested in the inquiry form, which may include your name, address, telephone number, date of birth, desired loan amount, employment and income information, debt amount, credit score estimate, and other information requested at time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit.

You represent and warrant that all information you provide is accurate and truthful. If you do not provide accurate information, we reserve the right to deny, suspend, or terminate service.

By submitting your loan inquiry you are providing written consent under the Fair Credit Reporting Act to ResolveFi and its marketplace participants, and agree that: (a) you are submitting an inquiry about loan products offered by marketplace participants; (b) we will share your loan request information with marketplace participants, consistent with our Privacy Policy; and (c) your consent allows marketplace participants to review and research your information in real-time for pre-qualification purposes, including by performing a credit check with TransUnion, Experian, and/or Equifax, and/or any other steps necessary to make a credit decision.

By completing and submitting a loan request through ResolveFi, you agree to the terms of service and privacy policy of Monevo, a TransUnion company, which powers our lending marketplace. You understand that all information provided is subject to Monevo's data handling practices as a regulated marketplace operator.

If one or more marketplace participants review your inquiry and determine you meet their loan qualification criteria, ResolveFi or Monevo will provide you the name(s) and contact information of those participants or redirect your browser to their website. Once connected with a marketplace participant, ResolveFi has no further involvement in the loan approval process. Your subsequent interactions with them are subject to their own privacy policies, terms of use, and other applicable terms.

Marketplace participants who review your information may contact you at a later time to offer their products and services. ResolveFi is not an agent of you or any marketplace participant. We do not recommend or endorse the products of any particular marketplace participant.

[ PLACEHOLDER: Insert Monevo partner ID and marketplace participant list URL upon account activation ]

By submitting your loan request, you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents. This E-Consent applies to all online interactions between you and marketplace participants and includes interactions on any device including mobile phones and tablets.

To access and retain disclosures electronically you will need: a computer or device capable of accessing the internet, access to an email account, and an internet browser supporting at least 128-bit encryption. You may request paper copies of disclosures by contacting marketplace participants directly.

Your E-Consent for the connecting service cannot be withdrawn because it is a one-time transaction. If connected with a marketplace participant, you may withdraw E-Consent with them at any time at no charge by contacting them directly.

ResolveFi reserves the right to change, modify, add, or remove portions of these Terms of Service at any time by posting amended terms. Please check periodically for changes. Your continued use of the website after posting of changes constitutes your binding acceptance of such changes.

By using ResolveFi, you agree not to:

• Use the website for any purpose other than to access information and contact providers of advertised products and services
• Submit information that is illegal, harmful, abusive, defamatory, or infringing
• Attempt to interfere with, compromise, or bypass the security of this website or its servers
• Use any robot, spider, scraper, or similar system to access this website
• Impersonate another person or misrepresent your affiliation with any person or entity
• Submit information or content you do not have the right to make available under any law
• Use this website to harvest email addresses or other contact information
• Use this website in any unlawful manner or in any manner that could damage or negatively impact ResolveFi

ResolveFi and all content displayed on this website, including visual interfaces, graphics, designs, information, computer code, software, and all other elements are protected by United States copyright, trade dress, patent, and trademark laws. Except as expressly authorized, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, or create derivative works from any content on this website.

This website may include links or references to third-party websites owned or operated by participating lenders and financial providers. ResolveFi has no control over such third-party websites and is not responsible for their availability, content, advertising, or any products or services available from them. Your correspondence or business dealings with such third parties are solely between you and such third party.

ResolveFi does not make credit decisions, does not recommend or endorse any third-party products or services, and is not a party to any agreement you may make with any third party.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, LEND.LY AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LEND.LY OR THROUGH THIS WEBSITE WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS.

THE USE OF THIS WEBSITE IS AT YOUR SOLE RISK. ALL DATA, INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND.

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, WILL LEND.LY OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THIS WEBSITE, EVEN IF LEND.LY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. LEND.LY'S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

You agree to indemnify, save, and hold ResolveFi and its contractors, employees, agents, and third-party suppliers and business partners harmless from any claims, losses, damages, and liabilities, including legal fees and expenses, arising out of your use or misuse of this website, any violation by you of these Terms, or any breach of the representations, warranties, and covenants made by you herein.

BY YOUR USE OF THIS WEBSITE, YOU AGREE TO RELEASE AND DISCHARGE LEND.LY AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, AND EMPLOYEES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, LIABILITIES, AND EXPENSES OF ANY KIND ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THIS WEBSITE.

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

These Terms of Service shall be governed by the laws of the State of [YOUR STATE OF FORMATION], without regard to conflict of law provisions. Any claim or dispute must be resolved by a court located in [YOUR COUNTY/STATE], except as otherwise agreed by the parties or as described in the Arbitration Agreement below.

[ PLACEHOLDER: Insert state of formation and registered agent county upon LLC formation ]

You and ResolveFi agree that any dispute, claim, or controversy arising in connection with or relating in any way to these Terms or your relationship with ResolveFi will be determined by mandatory binding individual (not class) arbitration.

THERE IS NO JUDGE OR JURY IN ARBITRATION, AND COURT REVIEW OF AN ARBITRATION AWARD IS LIMITED.

YOU AND LEND.LY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION.

Any arbitration will take place under the Consumer Arbitration Rules of the American Arbitration Association ("AAA") then in force, as modified by this Arbitration Agreement. The Federal Arbitration Act governs the interpretation and enforcement of this provision. You may contact the AAA at 1-800-778-7879 or adr.org.

A party who intends to seek arbitration must first send a written notice of the dispute to the other party by email to legal@ResolveFi (ResolveFi · A Forward Financial Network LLC Affiliate). The notice must describe the nature and basis of the claim and the specific relief sought. We agree to use good faith efforts to resolve the claim directly within 30 days after notice is received before commencing arbitration.

Opt-Out: You may opt out of this arbitration agreement by sending written notice to legal@ResolveFi or by mail to ResolveFi · A Forward Financial Network LLC Affiliate, [Registered Agent Address] no later than 30 calendar days from the date you accept these Terms. Your notice must include the subject line "Arbitration Opt Out" along with your full name and the email address used when accepting these Terms.

This arbitration provision will survive termination of the service.

ResolveFi may, at any time in its sole discretion, terminate your use of this website and terminate any session, with or without prior notice. Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities. Your sole remedy with respect to any dissatisfaction with this website or these Terms is to terminate your access and discontinue use of the website.

Entire Agreement: These Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and ResolveFi and govern your use of this website.

Severability: If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the other provisions shall remain in full force and effect.

Assignment: You may not transfer or assign any of your rights and obligations under these Terms without express prior written consent of ResolveFi. ResolveFi may freely assign or transfer any of its rights and obligations under these Terms.

Waiver: The failure of ResolveFi to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Notice: ResolveFi may provide you with notices by email or postings on this website. Notice will be deemed given 24 hours after email is sent.