This Privacy Policy replaces any privacy policy previously delivered to you or appearing on the LIGHTSTREAMUSA.finance website, any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Policy and any other policy delivered to you, the terms of this Privacy Policy shall control. This Privacy Policy is effective as of January 1, 2022. LIGHTSTREAMUSApersonalloans.com is committed to protecting the privacy of our website visitors’ personally identifiable information (“PII”). This Privacy Policy explains our online information practices and your choices regarding the manner in which your information is used on this website.

ACKNOWLEDGEMENT AND AGREEMENT

LIGHTSTREAMUSA.finance is not intended for use by consumers under the age of 18. By using the LIGHTSTREAMUSA.finance website and participating in any of the websites infomediary services, you consent and agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older, please do not use the LIGHTSTREAMUSA.finance website or participate in our services. This Privacy Policy may be updated from time to time to ensure our visitors are provided with the most accurate information. We will revise this Privacy Policy to reflect any material changes in our practices. You are encouraged to thoroughly read and review this Privacy Policy each time you use the LIGHTSTREAMUSA.finance or participate in any of our infomediary services.

ABOUT US

Through this website, we offer a infomediary service that will attempt to connect you with independent, third-party lenders and financial service providers who may secure a loan for you. LIGHTSTREAMUSA.finance compiles, organizes, and sends contact information to lenders on behalf of individual consumers who have affirmatively requested to be contacted by a representative of a product or service business. LIGHTSTREAMUSA.finance may use third-party affiliates and a variety of advertising mechanisms to market its website and/or services to consumers interested in utilizing our services. The operator of this website is a marketer who is compensated for their services as described in our marketing disclosure and does not endorse or recommend any lender on or through this site. By using LIGHTSTREAMUSA.finance, you consent to our company’s use of your personally identifiable information for these purposes. The owner and operator of LIGHTSTREAMUSA.finance is not a lender, does not broker loans, and does not make any credit decisions or dictate any loan terms. We offer a service that will attempt to connect you with third-party lenders who may offer you a loan. Submitting a loan request on LIGHTSTREAMUSA.finance does not guarantee that you will be connected with an independent lender or approved for a loan or personal loan. LIGHTSTREAMUSA.finance makes no warranties, guarantees, or representations that you will be able to qualify for or successfully obtain a loan.

WHAT INFORMATION IS COLLECTED?

Our Website collects certain Personally Identifiable Information (“PII”) when you submit a loan request or elect to provide PII to us, such as your name, email address, phone number, address, or social security number. PII includes any information that can be used to identify a particular person, including, without limitation first and last name, address, telephone number, zip code, social security number, date of birth, driver’s license, and/or email address. Your PII may also be used to contact you regarding issues concerning your use of the Website. For record keeping purposes, we will store your PII in a secure manner and for a commercially reasonable period of time for record keeping purposes. Our Website may also collect certain non-PII about you when you visit the Website, including, without limitation, the type of browser you are using, the type of operating system you are using, and the domain name of your Internet service provider. We use the non-PII that we collect to improve the design and function of the Website and to enable us to personalize your user experience. We also may use this information in the aggregate to analyze Website usage.

HOW DO WE USE YOUR INFORMATION?

LIGHTSTREAMUSA.finance collects information you affirmatively provide to us on our website. By providing us with the required information in our loan request form, you are granting express permission to be contacted by LIGHTSTREAMUSA.finance or our reputable and trusted network of third party lenders who may secure a loan for you. We may share the contact information you submit with our trusted network of independent, third party lenders. LIGHTSTREAMUSA.finance may share the basic information you provide, including your name, phone, and email address, with one of our business partners or affiliates. An “affiliate company” is a company under legal contract with LIGHTSTREAMUSA.finance to fulfill certain services. Information you provide to LIGHTSTREAMUSA.finance may be used in one of the following ways, though this list is not inclusive: To connect you with lenders for the express purpose of delivering the product or service you have requested, such as a short term loan; To send periodic communications about our products and services and/or the products and services of one of our trusted third-parties business partners; To improve our customer service and overall website experience for consumers Your email will only be shared with our preferred mailing partner for the purpose of sending third party promotional email communications.

SHARING INFORMATION WITH TRUSTED AFFILIATES

LIGHTSTREAMUSA.finance will never sell, trade, or otherwise transfer personally identifiable information to outside, unaffiliated parties. We may share the information you provide us with trusted third party lenders in our network, business partners, and affiliates for the purposes of operating our website, providing consumers with our infomediary services, or fulfilling your loan requests. LIGHTSTREAMUSA.finance reserves the right to disclose your personally identifiable information as required by law and when our company believes that disclosure is necessary to protect our rights and/or comply with any judicial order or legal process served on our website.

THIRD PARTY LINKS

LIGHTSTREAMUSA.finance may include, at our discretion, links to other websites belonging to independent, third parties or products and/or services of third parties on our website, including the website of the lender you may be connected with. Please understand that LIGHTSTREAMUSA.finance is not responsible for the privacy practices of third party websites. We strongly encourage consumers to read the privacy policies of every website they visit when leaving LIGHTSTREAMUSA.finance, including the privacy practices and terms and conditions of any lender website. This Privacy Policy is applicable solely to LIGHTSTREAMUSA.finance. Third party websites will have different and independent privacy practices and we have no responsibility or liability for the content and activities of these linked sites.

COOKIES

When you use this Website, we may collect certain information by automated or electronic means, using technologies such as cookies, pixel tags and web beacons, browser analysis tools, and web server logs. As you use the Website, your browser communicates with servers operated by us to coordinate and record the interactivity and fill your requests for services and information. The information from cookies and related technology is stored in web server logs and also in web cookies kept on your computer, which are then transmitted back to us by your computer. Cookies allow us to recognize you when you return and track and target your interests in order to provide a customized experience. They also help us provide a customized experience and help us to detect certain kinds of fraud. A “cookie” is a small amount of information that a web server sends to your browser that stores information about your account, your preferences, and your use of the Website. Some cookies are temporary, whereas others may be configured to last longer. We use persistent cookies for a number of purposes, such as retrieving certain information you have previously provided and storing your preferences. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. Pixel tags and web beacons are tiny graphic images placed on website pages or in e-mails that allow us to determine whether you have performed specific actions. When you access these pages or open e-mail messages, the pixel tags and web beacons generate a notice of that action to us. These tools allow us to measure response to our communications and improve our website. We collect many different types of information from cookies and other technologies. For example, we may collect information regarding your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone of your device. We may also collect the Internet Protocol addresses of the device you use to interact with the Website. An Internet Protocol address is a unique identifier that a device uses to identify and communicate with on the Internet. In many cases, the information we collect using cookies and other tools is used in non-identifiable ways, without any reference to PII. For example, we use information we collect about Website users to optimize the Website and understand its traffic and usage patterns.

SMS POLICY AND TELEPHONE CONSUMER PROTECTION ACT (TCPA)

You agree that by submitting your information and telephone number on our website, you are providing express written content and agree to receive telemarketing calls, auto-dialed calls, pre-recorded calls, text messages (“SMS Messages”), from us and our designated third-party advertisers and service providers, including but not limited to LIGHTSTREAMUSA.finance. Your consent is not required to submit a request or purchase any goods or services. Our website strives to remain in full compliance with the provisions of the Telephone Consumer Protection Act (TCPA) and therefore, we do not call, send SMS messages, or send voicemails to any consumer without the consumer’s prior express consent. You understand that standard data and messaging rates apply to all SMS correspondence and that all charges are billed by and payable to your mobile service provider. You further represent that you are the owner/authorized user of the wireless device on which messages will be received. SMS message services are provided on an AS IS basis and we do not guarantee that your use of the SMS Service will be secure or free of error. You may opt out of the SMS Service at any time by replying “STOP” or “OPT-OUT” to the SMS text message you have received or clicking the Opt-Out link on the text message you have received. Notwithstanding that your mobile telephone number may be listed on Federal or State Do-Not-Call registry, we retain the right to contact you via SMS Messages once you have provided express written consent.

JuniperFinancial SMS ALERTS & REMINDERS SMS TERMS & CONDITIONS

Signup for an SMS alert to receive a one-time message with a secure link to your request and additional offers. Or you can signup for SMS Alerts and receive recurring monthly messages with additional offers. To Opt-Out at any time, text the word STOP to the short code provided or click the Opt-out link in the message. For help, text the word HELP. Message and Data Rates May Apply. For additional support: support@LIGHTSTREAMUSA.finance. Based on program Opt-In, you’ll receive a one-time text message or recurring monthly messages. This service is available on all Supported U.S. Carriers. Messages may be delayed or undelivered for various factors. Client, carriers (including, but not limited to, T-Mobile) and any service providers utilized by Client to send messages are not liable for delayed or undelivered messages.

“DO NOT TRACK” SIGNALS—CA RESIDENTS

The California Assembly Bill 370 amends the California Online Privacy Protection Act in 2013 and requires operators of commercial websites like v2.juniper-financial.com to disclose the following information: How websites respond to “Do Not Track” signals; and Whether third parties collect personally identifiable information (PII) about users when they visit websites. LIGHTSTREAMUSA.finance does not engage in collection of personally identifiable information about consumer’s online activities across third-party websites or over time. LIGHTSTREAMUSA.finance does not honor “do not track” signals. Consumers who use “do not track” signals will still have access to our website. v2.juniper-financial.com never allows third parties to collect personally identifiable information about an individual consumer’s online activities over time and across different sites when a consumer uses our website.

CALIFORNIA ONLINE PRIVACY PROTECTION ACT COMPLIANCE

Our website has taken the necessary and substantial steps to remain in full compliance with the California Online Privacy Protection Act. Our company does not distribute your personally identifiable information to outside, unaffiliated parties without your express, informed consent. California Civil Code Section 1798.83, also known as S.B. 27, allows California residents to request certain information regarding our disclosures in the prior calendar year, if any, of personally identifiable information to third parties for their own direct marketing purposes. To make such a request, please contact us.

CHILDREN’S ONLINE PRIVACY PROTECTION ACT COMPLIANCE

LIGHTSTREAMUSA.finance is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our company will take immediate remedial measures to remove that individual from our user database.

HOW IS THE INFORMATION I PROVIDE TO YOU PROTECTED?

LIGHTSTREAMUSA.finance is serious about protecting consumer information and we have implemented a variety of security technologies and procedures to protect your personal information from unauthorized access, use, or disclosure. These include the use of firewalls and 256-bit Secure Sockets Layer (SSL) protection. In the event of a security breach, LIGHTSTREAMUSA.finance will promptly notify any effected consumers in a timely manner while taking all immediate and reasonable actions to remedy the breach. Despite our diligent protective measures and security technologies, the internet is never “security-proof” and therefore, we disclaim any liability for any injury due to a security breach that compromises your personal information.

CONFIDENTIALITY AND SECURITY

LIGHTSTREAMUSA.finance restricts access to nonpublic, personal information about you to those employees who must know that information to provide products and/or services to consumers. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use. Preserving the accuracy of your information is a shared responsibility and we ask consumers to provide our company with any update to your records when you notify us of a change. Please contact us when information concerning you changes.

OPT-IN / OPT-OUT AND UNSUBSCRIBE

LIGHTSTREAMUSA.finance, our affiliates, and our network of trusted lenders may contact you to promote and offer products and services that may be of interest to you. Consumers who requested to be contacted through our website’s online forms or through any Opt-in process of our business partners and/or affiliates may be contacted via e-mail or telephone. If you do not wish to receive these emails, telephone solicitations, or other forms of contact from our company or affiliates partners, you may unsubscribe or opt-out at anytime, no questions asked, by visiting our Unsubscribe Page. You may also Unsubscribe by sending us an email at removel@LIGHTSTREAMUSA.finance with the words “Unsubscribe” or “Opt-Out” in the subject line to opt-out from receiving future communications. After we receive this information, we will locate the contact information you had provided to our company and will immediately remove it from our database and mailing lists.

GRAMM LEACH BLILEY ACT COMPLIANCE

This Privacy Policy shall serve as your initial customer relationship and annual “privacy notice” as defined under the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”). If you would like to opt-out from the disclosure of your personally identifiable information to any third-party for advertising or marketing purposes, please unsubscribe by following the steps provided above in our “Opt-in/Opt-Out and Unsubscribe” section above@LIGHTSTREAMUSA.finance