Idea 247, Inc. a Florida corporation, together with its applicable subsidiaries, affiliates, assignees, and successors (collectively, “Idea 247”, “we”, “us” or “our”) are committed to your personal privacy and your security online. This policy describes the ways we collect, use, share and protect your personal information.

Information We Collect About You

We collect information about you in three ways:

(I) Information You Provide: When you use Idea 247’s website, including applying for a loan, you will generally be required to provide personally identifying information, which may include your e-mail address, name, address, telephone number and Social Security Number, as well as financial information, which may include income, employment and bank account information. You may also have to provide certain documents to verify the information you provide.

(II) Information from Third Parties: Third parties, such as credit bureaus, may provide us with information on you. We may combine this information with information we already have about you to evaluate your loan application, to create or offer personalized products and services for you, or for similar purposes.

(III) Information from Your Use of the Website: We may collect additional user behavior information during your use of the website. This may include device information (such as your internet protocol address), log information (such as pages visited), location information (such as your geographical location), and other information (such as cookies and anonymous identifiers).

We will retain your information for as long as needed to provide you services or as necessary to comply with our legal obligations and our backup, archival and audit procedures.

How We Use Information We Collect

Information we collect from you may be used in one or more of the following ways:

• To provide you with products and services, including in determining your eligibility for a loan;
• To verify your identity and age as well as to guard against potential fraud;
• To obtain, with your authorization, third-party data from credit bureaus or others in connection with your loan application;
• To personalize your experience using the website;
• To provide customer service;
• To enable our service providers to provide you with services, such as funds transfers, billing, payments, and collection activities as needed;
• To send you regular communications, including information and updates pertaining to your loan as well as news, updates, and related product or service information;
• To improve our products and services and identify, develop or offer new products and services;
• For our marketing purposes to offer our products and services to you;
• To enforce agreements with you;
• To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request; and/or
• To fulfill any other purpose for which you provide it or otherwise give your consent.

Information We Share

We may share information with third parties in the course of running our business, including:

• The creditor who originates all the loans, currently Idea 247, Inc., and any investor(s) who purchase your loan;
• Service providers who assist with parts of our operations, such as loan servicers, technology providers, payment processing providers, credit bureaus, collections agencies, and other service providers;
• Credit bureaus to report account information, as permitted by law;
• Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to;
• Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure or we need to do so to comply with law; and
• Other third parties but only if you consent or direct us to do so.

Idea 247 will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described above. Information that has been made anonymous so that it does not identify a specific user is not considered personal information and we may share aggregated, non-identifiable user information with third parties, such as advertisers and content distributors.

Federal and state laws allow you to restrict the sharing of your personal information in certain instances such as sharing your information so that third parties can market to you. However, because we will not share your information in these instances, there is no need for you to opt-out from this kind of information sharing.

How We Protect Your Information

Idea 247 is committed to safeguarding your personal information through industry-standard policies, practices, and a continuously evolving security program.

Account security‍

We protect your account through session time-outs that log you out after a specified period, and through secure password practices — including strength requirements and secure reset procedures. Your password is never known to any Idea 247 employee or service provider.

Data at rest

Sensitive personal and financial information — including bank account numbers — is stored in a secure, off-site hosted environment. Data is accessible only through defined, password-protected service access points, available solely to personnel with a permitted need.

Data in transit

All data entered on our website is encrypted using SSL (Secure Socket Layer) certificate technology, ensuring your connection is always secure. We also require a 128-bit secure browser for all logins and transactions.

Our expanded security program

We have made substantial investments in people, processes, and technology to further elevate our security program:

• A dedicated Chief Information Security Officer (CISO) program, providing executive-level leadership and accountability for information security across the organization.
• Nightly penetration testing and vulnerability scanning, enabling our team to proactively identify and remediate potential threats on a continuous basis — far exceeding industry-standard practices.
• Enhanced security controls and monitoring across our infrastructure, including strengthened access controls, improved network segmentation, and advanced threat detection.
• Expanded employee security training and awareness programs, ensuring every team member understands their role in safeguarding customer data.
• Annual SOC 2 Type II certification, independently audited by a third-party firm — maintained continuously since 2019 — verifying our controls meet rigorous standards for security, availability, and confidentiality.
• Full compliance with the FTC Safeguards Rule, including its enhanced data protection, access control, encryption, and breach notification provisions

Cookies and Other Technologies

We use various technologies to collect and store non-personally identifiable information when you use the website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including web beacons, clear GIFs, pixel tags and other means. Idea 247 may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.

Most browsers accept cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser’s “Help” section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser’s settings regarding cookies. Please note that without cookies, you may not be able to take full advantage of all of the website’s features.

We may use cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about website traffic and website interaction so that we can offer better website experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our website visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.

Links to Third-Party Websites

The website may also contain links to websites that are not controlled or operated by us. This policy does not apply to such third-party websites and Idea 247 is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third-party websites.

Children’s Privacy

The website is intended for persons 18 years of age and older. We do not knowingly collect personal information from persons under 18 years of age. Accordingly, the provisions of the Children’s Online Privacy Protection Act do not apply to the website. We encourage all parents and guardians to talk to their children about online safety and privacy and to monitor their children’s use of the internet and mobile applications.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state charged with overseeing privacy rights for consumers.

Modifications to This Policy

Idea 247 reserves the right to make changes to this policy at any time and from time to time and by using or accessing the website, you agree that we may modify this policy at any time without prior notice. Any modification is effective immediately upon posting on the website. Your continued use of the website after any modification of this policy indicates your acceptance of the modification and the policy as so modified. You will know if this privacy policy has been modified since your last visit to the website by referring to the last modified date at the end of this page. Notwithstanding the above, we will seek your consent to future modifications to the extent we are required to do so by applicable law.

How You Can Contact Us

You may email us at info@ideafinancial.com to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you have questions or concerns regarding this policy, please contact us by emailing us at

info@ideafinancial.com

This privacy policy was last modified on April 13, 2026

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