PRIVACY POLICY

Insightics Vibe LTD

Last Updated: October 19, 2025

1. INTRODUCTION

Insightics Vibe LTD ("Insightics Vibe LTD," "we," "us," or "our") is committed to protecting your privacy and ensuring transparency in how we collect, use, and share your personal information. This Privacy Policy describes our practices regarding the information we collect through our websites, services, and applications (collectively, the "Services").

This Privacy Policy complies with applicable privacy laws, including the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), the Virginia Consumer Data Protection Act (VCDPA), the Colorado Privacy Act (CPA), and other state privacy regulations.

By using our Services, you agree to the terms of this Privacy Policy.

2. INFORMATION WE COLLECT

We collect several categories of information when you use our Services:

2.1 Information You Provide to Us

Identifiers and Contact Information:

• Name (first and last)
• Email address
• Postal address
• Phone number
• Date of birth
• Social Security Number (when required for service verification)
• Account credentials (username and password)

Demographic Information:

• Age or age range
• Gender
• Marital status
• Household income range
• Employment status

Financial Information:

• Credit score or credit range
• Income information
• Debt information
• Financial product preferences
• Banking information (when applicable)

Business Information (if applicable):

• Business name and legal entity type
• Employer Identification Number (EIN) or Tax ID
• Business address and contact information
• Business revenue and financial statements
• Business credit score
• Industry and business description
• Years in business
• Number of employees
• Business ownership information

Communication Data:

• Information you provide when you contact us through forms, email, chat, or phone
• Newsletter subscription preferences
• Survey responses and feedback

2.2 Information We Collect Automatically

Device and Technical Information:

• IP address
• Device type, model, and manufacturer
• Operating system type and version
• Browser type and version
• Screen resolution
• Device identifiers (such as advertising ID)
• Language preferences
• Time zone settings

Usage and Interaction Data:

• Pages visited on our Services
• Time and date of visits
• Time spent on pages
• Clickstream data
• Referring and exit URLs
• Search queries
• Interaction with content, buttons, and features

Location Information:

• General geographic location derived from IP address
• Precise geolocation (only with your express consent)

2.3 Cookies and Similar Technologies

We use cookies, pixels, tags, web beacons, and similar tracking technologies to collect information about your browsing activities. These include:

• Session Cookies: Temporary cookies that expire when you close your browser
• Persistent Cookies: Cookies that remain on your device for a set period or until deleted
• Analytics Cookies: Tools to understand how users interact with our Services
• Advertising Cookies: Used to deliver relevant advertisements

For more information, please see our Cookie Policy.

2.4 Information from Third Parties

We may receive information about you from:

• Marketing partners and data brokers
• Social media platforms (if you interact with us through social media)
• Service providers who help us deliver our Services
• Public databases and records
• Credit bureaus and financial service providers (with your consent)

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following business and commercial purposes:

3.1 To Provide Our Services

• Process your requests for information or services
• Process and facilitate your funding applications and requests
• Match you with third-party service providers or partners
• Connect you with appropriate funding options, lenders, and financial service providers
• Facilitate connections with financial product offers
• Respond to your inquiries and provide customer support
• Manage your account and preferences
• Evaluate your eligibility for funding products and services

3.2 To Improve and Develop Our Services

• Analyze usage patterns and trends
• Conduct research and analytics
• Test new features and functionality
• Improve user experience and interface design
• Debug and fix technical issues

3.3 For Marketing and Communication

• Send you newsletters, updates, and promotional materials (with your consent)
• Provide personalized content and recommendations
• Deliver targeted advertising
• Conduct surveys and request feedback

3.4 For Business Operations

• Maintain and improve our business operations
• Process payments and resolve billing issues with partners
• Detect and prevent fraud, security incidents, and malicious activity
• Protect the rights, property, and safety of Insightics Vibe LTD, our users, and the public
• Comply with legal obligations and enforce our terms of service

3.5 For Analytics and Advertising

• Measure the effectiveness of our marketing campaigns
• Understand user behavior and preferences
• Optimize ad targeting and relevance
• Create aggregated and de-identified data for analysis

4. HOW WE SHARE YOUR INFORMATION

We share your information only in the following circumstances:

4.1 With Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Cloud storage and hosting providers (e.g., Amazon Web Services, Google Cloud Platform)
• Customer relationship management (CRM) platforms
• Email and communication service providers
• Analytics and data analysis providers (e.g., Google Analytics, Tableau)
• Payment processors
• Security and fraud prevention services

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 With Partners and Offerors

Lenders and Funding Partners:

When you submit a request for funding or apply for financial products through our platform, we share your information with lenders, funding sources, and financial service providers to facilitate your funding requests and connect you with appropriate financing options. This may include:

• Traditional banks and credit unions
• Alternative lenders and fintech companies
• Merchant cash advance providers
• Equipment financing companies
• Business loan providers
• Consumer lending institutions

Other Partners and Offerors:

When you submit a request for information or services through our platform, we may also share your information with:

• Financial service providers
• Product and service offerors
• Marketing partners
• Referral partners

Important Notice: When you submit a request, both Insightics Vibe LTD and our partners may contact you directly via email, phone (including automated dialing systems and pre-recorded messages), text message, or mail, even if your number is registered on a Do Not Call list. You will be informed of the specific partners who will receive your information before you provide consent.

4.3 With Advertising and Social Media Platforms

We may share hashed or de-identified information with advertising platforms such as:

• Google (including Google Ads and Google Customer Match)
• Meta/Facebook
• TikTok
• LinkedIn
• Twitter/X

This sharing enables us to deliver relevant advertising, measure campaign effectiveness, and create custom audiences. These platforms operate under their own privacy policies, and you should review their practices separately.

4.4 For Legal and Safety Reasons

We may disclose your information when we believe it is necessary to:

• Comply with applicable laws, regulations, legal processes, or governmental requests
• Enforce our Terms of Service and other agreements
• Detect, prevent, or investigate fraud, security issues, or technical problems
• Protect the rights, property, or safety of Insightics Vibe LTD, our users, or the public
• Respond to claims that content violates the rights of others

4.5 Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, bankruptcy, or other business transaction, your information may be transferred to the acquiring entity. We will notify you of any such change and the choices you may have regarding your information.

4.6 With Your Consent

We may share your information with other third parties when you provide specific consent to do so.

4.7 Aggregate and De-identified Information

We may share aggregated, anonymized, or de-identified information that cannot reasonably be used to identify you. This information is not subject to this Privacy Policy.

5. COOKIES AND TRACKING TECHNOLOGIES

5.1 Our Use of Cookies

We and our service providers use cookies and similar technologies for:

• Authentication and security
• Preferences and settings
• Analytics and performance measurement
• Advertising and marketing

5.2 Your Cookie Choices

You can control cookies through:

• Browser Settings: Most browsers allow you to refuse or delete cookies
• Cookie Preference Center: Available on our website
• Opt-Out Tools: Such as the Network Advertising Initiative opt-out page or Digital Advertising Alliance opt-out page

Please note that disabling cookies may limit your ability to use certain features of our Services.

5.3 Do Not Track Signals

Some browsers offer "Do Not Track" (DNT) signals. At this time, our Services do not respond to DNT signals. However, you can exercise choices about tracking through the options described above.

6. THIRD-PARTY WEBSITES AND SERVICES

Our Services may contain links to third-party websites, applications, and services that are not operated by us. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

When you click on a third-party link or provide information to a third-party partner, you are subject to that party's privacy policy and practices, not this Privacy Policy.

7. DATA SECURITY

We implement reasonable administrative, technical, and physical security measures designed to protect your information from unauthorized access, use, alteration, and disclosure. These measures include:

• SSL/TLS encryption for data in transit
• Encryption of sensitive data at rest
• Regular security assessments and monitoring
• Access controls and authentication requirements
• Employee training on data protection
• Vendor security assessments

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. DATA RETENTION

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods vary depending on:

• The nature of the information
• The purposes for which it was collected
• Applicable legal or regulatory requirements
• Our legitimate business needs

When we no longer need your information, we will securely delete or anonymize it.

9. YOUR PRIVACY RIGHTS - QUICK SUMMARY

This section provides a simple overview of your privacy rights. For detailed information about state-specific rights (including California CCPA rights), please see Sections 10 and 11 below.

9.1 Account Management

• Update Your Information: You can update your account information at any time by logging into your account or contacting us
• Access Your Data: You can request a copy of the personal information we hold about you
• Correct Inaccuracies: You can request that we correct any inaccurate information we have about you

9.2 Communication Preferences

• Marketing Opt-Out: You can opt-out of receiving marketing and promotional communications at any time by:
  • Clicking the "unsubscribe" link in our emails
  • Adjusting your account communication preferences
  • Contacting us directly
• Note: Even if you opt-out of marketing, we may still send you important service-related messages (such as transaction confirmations or account notifications)

9.3 Your Data

• Request Deletion: You can request that we delete your personal information (subject to certain legal exceptions)
• Data Portability: Where applicable, you can request a copy of your data in a portable format

9.4 Advertising and Tracking

• Opt-Out of Targeted Advertising: You can opt-out of personalized advertising by:
  • Using our cookie preference center
  • Adjusting your browser settings
  • Using industry opt-out tools (see Section 5 for links)
• Do Not Sell/Share: You can opt-out of the sale or sharing of your personal information (see Section 10 for California residents)

9.5 How to Exercise Your Rights

To exercise any of these rights, you can:

• Email us: info@carloansreviews.com

We will respond to your request within the timeframe required by applicable law (typically 45 days).

10. CHILDREN'S PRIVACY

Our Services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will take steps to delete that information as quickly as possible.

If you believe we have collected information from a child under 18, please contact us immediately at the contact information provided below.

11. CALIFORNIA CONSUMER PRIVACY ACT (CCPA) RIGHTS

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

11.1 Categories of Personal Information Collected

Over the past 12 months, we have collected the following categories of personal information:

11.2 Your CCPA Rights

As a California resident, you have the right to:

11.2.1 Right to Know

You have the right to request that we disclose:

• The categories of personal information we collected about you
• The categories of sources from which we collected your personal information
• Our business or commercial purpose for collecting, selling, or sharing personal information
• The categories of third parties to whom we disclose personal information
• The specific pieces of personal information we collected about you

11.2.2 Right to Delete

You have the right to request that we delete your personal information, subject to certain exceptions (such as completing transactions, detecting security incidents, complying with legal obligations, or exercising free speech).

11.2.3 Right to Correct

You have the right to request that we correct inaccurate personal information we maintain about you.

11.2.4 Right to Opt-Out of Sale or Sharing

While we do not sell personal information in the traditional sense, certain data sharing practices (such as sharing information with advertising platforms) may be considered "selling" or "sharing" under the CCPA.

You have the right to opt-out of the sale or sharing of your personal information.

To exercise this right, click on the "Do Not Sell or Share My Personal Information" link at the bottom of our homepage or visit our Privacy Preference Center.

11.2.5 Right to Limit Use of Sensitive Personal Information

You have the right to limit our use and disclosure of your sensitive personal information to purposes necessary to perform our services or provide goods reasonably expected by an average consumer.

To exercise this right, click on the "Limit the Use of My Sensitive Personal Information" link at the bottom of our homepage or contact us using the information below.

11.2.6 Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. We will not:

• Deny you goods or services
• Charge different prices or rates for goods or services
• Provide a different level or quality of goods or services
• Suggest that you will receive different pricing or quality of goods or services

However, we may offer financial incentives permitted by law that can result in different prices, rates, or quality levels, provided the difference is reasonably related to the value of your personal information.

11.3 How to Exercise Your Rights

To exercise your rights under the CCPA, you may:

• Email us: info@carloansreviews.com

We will respond to your verifiable request within 45 days. If we need more time (up to an additional 45 days), we will notify you of the reason and extension period in writing.

11.4 Verification Process

To protect your privacy and security, we will verify your identity before processing your request. We may ask you to:

• Provide identifying information (name, email, phone number)
• Confirm recent interactions with our Services
• Respond to verification emails or phone calls

For requests to know specific pieces of personal information or to delete personal information, we may require additional verification, such as a signed declaration under penalty of perjury.

11.5 Authorized Agents

You may designate an authorized agent to submit requests on your behalf. To do so, you must:

• Provide written authorization signed by you
• Verify your identity with us
• Have your agent provide proof of authorization

We may also require you to verify your identity directly with us and confirm that you provided the agent permission to submit the request.

11.6 Shine the Light Law

California Civil Code Section 1798.83 permits California residents to request certain information about the disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information below.

12. OTHER STATE PRIVACY RIGHTS

If you are a resident of Virginia, Colorado, Connecticut, Utah, or other states with comprehensive privacy laws, you may have additional rights, including:

• Right to access your personal information
• Right to correct inaccuracies in your personal information
• Right to delete your personal information
• Right to data portability
• Right to opt-out of targeted advertising
• Right to opt-out of the sale of personal information
• Right to opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects

To exercise these rights, please use the contact methods provided in Section 11.3 above.

13. INTERNATIONAL DATA TRANSFERS

Our Services are operated in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries where our service providers operate.

The data protection laws in the United States and other countries may differ from those in your country of residence. By using our Services, you consent to the transfer of your information to the United States and other countries.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Post the updated Privacy Policy on our website
• Update the "Last Updated" date at the top of this policy
• Provide prominent notice on our Services or via email (if appropriate)

Material changes will become effective seven (7) days after we post the updated policy or send notice, whichever is earlier. Your continued use of our Services after the effective date constitutes acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

15. CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Insightics Vibe LTD
Attention: Privacy Department
Email: info@carloansreviews.com

For data protection inquiries related to your legal rights, please use our dedicated Privacy Request Form. We will respond to your inquiry within the timeframes required by applicable law.

16. ADDITIONAL DISCLOSURES

16.1 Financial Privacy Notice

To the extent applicable, our collection, use, and sharing of personal information is subject to the Gramm-Leach-Bliley Act (GLBA). We comply with GLBA requirements for financial services and protect the confidentiality of your financial information.

16.2 Marketing Communications

You may opt-out of receiving marketing communications from us by:

• Clicking the "unsubscribe" link in our emails
• Contacting us using the information above

Please note that even if you opt-out of marketing communications, we may still send you transactional or service-related messages.

16.3 Analytics and Advertising Opt-Outs

To opt-out of analytics and advertising tracking:

• Google Analytics: Google Analytics Opt-Out
• Network Advertising Initiative: NAI Opt-Out
• Digital Advertising Alliance: DAA Opt-Out
• Send us an email requesting to opt-out

16.4 Commitment to Privacy

Protecting your privacy is an ongoing commitment. We continuously evaluate and improve our privacy practices to meet evolving legal requirements and industry best practices. We strive to be transparent about our data practices and responsive to your privacy concerns.