Thank you for visiting flexfin.com (the “Website”) and welcome to our website. The Website is operated on behalf of FlexFIN LLC (“FlexFIN”) with executive offices at 555 Madison Avenue, Suite 1400, New York, NY 10022. Your use of the Website and our use of any personal data you submit to us through the Website is subject to the Privacy Policy and Terms and Conditions of Website Use (the “Terms and Conditions”) that appear below. Please read both the Privacy Policy and the Terms and Conditions of Website Use carefully. By accessing or using the Website, you agree to Terms and Conditions and accept the Privacy Policy. If you do not agree to each of the Terms and Conditions or do not accept any provisions of the Privacy Policy then you are not authorized to, and may not, use the Website. If you breach any of the Terms and Conditions, your authorization to use the Website automatically terminates.

Please note that the Terms and Conditions and the Privacy Policy are subject to change at any time and without notice, so it is your responsibility to check for any changes. You can determine whether either the Privacy Policy or the Terms and Conditions have changed since your last visit by checking the “last revised” date at the beginning of each below. Your use of the website after changes have been made constitutes your acceptance of the Privacy Policy and Terms and Conditions as revised.

A hard copy of the Privacy Policy and the Terms and Conditions is available to you by printing them directly from the Website, by downloading them from the Website and then printing them or by contacting us to request a copy.

PRIVACY POLICY

(Last Revised: July 31, 2021)

By accessing and using this Website you give us your consent to process and use your personal data submitted through the Website in accordance with this Privacy Policy and agree to accept its terms.

Please read the Privacy Policy carefully. FlexFIN recognizes the importance of protecting the privacy of your personal and financial information. We have instituted policies and security measures designed to protect your information.

In general, you can browse our Website without telling us who you are or revealing any personal information about yourself. At various times, you may decide to provide us with your personal information.

Automatic Collection of Your Information
FlexFIN collects personal data from visitors to the Website who register their information or who use the online store. We also use cookies and other monitoring techniques (see more below) and track IP addresses so we can improve our services and enhance your FlexFIN experience. FlexFIN does not intentionally or knowingly collect personally identifiable information from anyone under the age of eighteen years.

IF YOU ARE UNDER EIGHTEEN YEARS OF AGE BUT OVER THIRTEEN, PLEASE ASK YOUR PARENTS TO REGISTER AND TO USE THE WEBSITE FOR YOU. PLEASE DO NOT SUBMIT ANY PERSONAL DETAILS. SEE OUR TERMS AND CONDITIONS OF USE FOR FURTHER INFORMATION. IF YOU ARE THIRTEEN YEARS OF AGE OR UNDER YOU ARE NOT AUTHORIZED TO USE THE WEBSITE AND YOU MAY NOT DO SO.

Cookies and Other Monitoring Techniques
FlexFIN may collect data about your activities on our Website through cookies, web logs, web beacons (also known as pixel gifs or action tags). Cookies are small pieces of information that are stored by your browser on your computer’s hard drive to collect information about your activities on the Website. Web beacons are small strings of code placed on a web page or within an email for the purpose of transferring information. We may use cookies and web beacons, among other things, to ascertain which web pages are visited and how often; to make the Website more user friendly; to deliver our content or ads; to improve and measure usability; to track visits from our affiliates and partners; to ascertain performance and effectiveness of the Website; to improve and measure the effectiveness of our marketing programs; to learn how customers use the Website; to estimate our audience size; to deliver co-branded services; and to customize your shopping experience. Examples of the type of information that we collect through these collection devices, includes: total visitors to the website, pages viewed, unique visitors, time spent on our Website and on certain web pages, etc. For example, cookies allow us to save your password so you do not have to re-enter it every time you visit the Website.

We may authorize third parties to use cookies, web beacons and other monitoring technologies to compile information about the use of the Website or interaction with advertisements that appear on the Website.

Most web browsers automatically accept cookies, but you do not have to accept them. To disable cookies, you should access the “help” tab on your browser or read the information that came with your browser software. However, your visit to the Website will be significantly enhanced if cookies are not disabled and the Website may not function properly if cookies are disabled.

Use of Information
You should know that we receive and may store all personal information (whether written or oral) that you provide to us through whatever means you provide such information (through our Website, via e-mail, over the telephone, or otherwise). Personal information means any information that may be used to identify an individual, including, but not limited to, a first and last name, home, billing or other physical address or email address as well as any information associated with the foregoing. In addition to your contact information, we may collect information about your purchases, billing address, shipping address, gender, occupation, birthday, marital status, anniversary, interests, phone number or other contact information, and credit card information. FlexFIN may also request non-personally identifiable information, such as annual income, buying preferences, or age, also known as demographic and profile data. This information is optional. We use the personal information you supply to facilitate your purchases through the Website and to respond to any inquiries or requests you may make. We may also use personal information to improve our site and/or tailor your experience on the Website, by, for example, showing you content that we think you might be interested in and displaying content according to your preferences. We may also share this information with others, such as affiliates, partners and advertisers interested in marketing partnerships with FlexFIN or on the Website, in aggregate, anonymous form, which means that the information will not contain any personally identifiable information about you or any other person.

We may combine the information you provide to us over time and we may combine such information with information that is publicly available, collected through data collection devices, and information that we receive from our partners, affiliates and other third parties. If you give us your personal information, including giving us your email address, another person’s email address or sending us email correspondence, we may use this information to register you with our Website; to administer our Website services; to process any orders you may place online; to facilitate your purchases and provide the services you request; to confirm and track your order; to respond to your inquiries and requests; to compare and review your personal information for errors, omissions and accuracy; to prevent and detect fraud or abuse; to improve the Website, service, product offerings, marketing and promotional efforts, and overall customer experience; to identify your product and service preferences; to understand our customer demographics, preferences, interests, and behavior; and to contact you (via email, postal mail, or telephone) regarding products and services of FlexFIN that we believe may be of interest to you.

You represent and warrant that any personal information that you make available to FlexFIN is done so voluntarily, with your knowledge and consent when making a request, submission or registration for services from FlexFIN. Registration or other forms may contain both mandatory fields and non-mandatory fields; if you choose not to complete the mandatory fields then FlexFIN may not be able to respond to your request or activate your option choices.

We value your comments, suggestions, testimonials, ideas and other feedback. By making any comments, suggestions, testimonials, endorsements, ideas, or similar material disclosed, submitted or posted by you on this Website (or other materials defined in the Terms and Conditions of Use sections Contributions or Content), you assign us your rights in the submissions, Contributions and Content to us, as described in the Terms and Conditions of Use section below.

Our web server may automatically recognize your domain name (not the email address) and may record your browser and platform type (e.g., Safari browser on a Microsoft platform).

FlexFIN does not sell, rent or disclose our customers’ names, addresses, email addresses or other personal information to any third party, other than in accordance with this Privacy Policy. We use email addresses to communicate with you regarding your customer relationship with us or your orders and other matters regarding transactions between us. FlexFIN may share customer information within the FlexFIN organization and affiliates, so that you may be informed of other products that may be of interest to you. Further, in order to maintain the Website and provide for customer communications, FlexFIN may contract with selected third parties, solely for the purpose of assisting FlexFIN in these endeavors and subject to contractual confidentiality obligations. We do not otherwise disclose your information to third parties, unless required by law or in connection with a legal claim or proceeding.

You may opt-out of receiving promotional messages from us at any time. If we do send you a promotional email, you will be given the opportunity to decline receiving similar emails in the future.

If any personally identifiable information that FlexFIN has gathered from you changes or you would like to access, correct, or delete such information, we will provide you access to correct or delete (to the extent permitted by law) any such personal information we have collected about you. To request access to or to correct or delete any such personal information, or if you wish to decline receiving promotional emails from us in the future, please send an email to in**@fl*****.com, telephone us at 212-223-1111, or send a letter to FlexFIN LLC, 555 Madison Avenue, Suite 1400, New York, NY 10022.

Visitors who give us their telephone numbers online may receive telephone contact from our representatives regarding orders or requests they have placed online. You may be contacted by one of our representatives conducting research with regard to your satisfaction with our service.

Although FlexFIN has no obligation to monitor any information provided to this Website by its users, including information that you provide, FlexFIN reserves the right to monitor, retain, and disclose that information if required to do so by law or in a good-faith belief that disclosure is reasonably necessary to comply with legal requirements, to respond to claims that any information violates the rights of third parties, or to protect the rights, property, or personal safety of FlexFIN, its users, or the public.

Security
FlexFIN uses industry-standard encryption technologies when transferring and receiving any customer data exchanged with our Website server when you engage in an e-commerce purchase transaction.

However, while we take all reasonable steps to protect your personal information, you accept that no Internet data transmission can be guaranteed to be secure from access by unintended recipients and will not hold us responsible for any breach of security.

Links to Other Sites
For the convenience and information of Website users, the Website may include links to other sites operated by third-parties. Such linked sites have their own privacy policies, which may differ significantly from FlexFIN’s. Information you submit to linked sites is subject to the privacy policies of those sites, and FlexFIN not responsible for the content or practices of any linked site. We recommend that you review the privacy policy of any site that you access through the Website.

Collection of Data
Our site uses technologies of third-party partners to help us recognize your device and understand how you use our site so that we can improve our services to reflect your interests and serve you advertisements about the products that are likely to be of more interest to you. Specifically, these partners collect information about your activity on our site to enable us to:

• measure and analyze traffic and browsing activity on our site;
• show advertisements for our products to you on third-party sites;
• measure and analyze the performance of our advertising campaigns;

Opting-Out
Our partners may use non-cookie technologies that may not be impacted by browser settings that block cookies. Your browser may not permit you to block such technologies. For this reason you can use the following third party tools to decline the collection and use of information for the purpose of serving you interest based advertising:

• The NAI’s opt-out platform: https://www.networkadvertising.org/choices/
• The EDAA’s opt-out platform https://www.youronlinechoices.com/
• The DAA’s opt-out platform: https://optout.aboutads.info/?c=2&lang=EN

Your California Privacy Rights
If you are a California resident with whom FlexFIN has an established relationship and would like to request, pursuant to California Civil Code § 1798.83, the information concerning the types of personal information FlexFIN has shared with third parties for their direct marketing purposes, and the identities of those third parties, within the immediately preceding calendar year (i.e., requests made in 2015 will receive information regarding information shared in 2014), please submit a written request to the following address: FlexFIN Enterprises LLC, 445 Park Avenue, 10th Floor, New York, NY 10022; Attention: California Privacy. Please allow up to 30 days for us to process your request. You may submit such a request once per year. Please note that California law permits FlexFIN to provide you, in response to your written request, with a cost-free means to choose not to have your information shared rather than providing the above described information. You may exercise that choice by any of the means described above for you to correct or change your information.