Terms of Service

PRIVACY POLICY Ledge Financial Effective Date: June 18, 2026

This Privacy Policy describes how Ledge Financial ("Company," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit https://ledgefinancial.net (the "Website").

This Privacy Policy applies only to information collected directly through this Website and does not apply to information collected through other means, such as telephone, mail, or other offline communication methods.

By using the Website, you agree to this Privacy Policy.

1. Information We Collect

a. Information You Provide

We may collect personal information that you voluntarily provide through the Website, including:

• Name

• Email address

• Phone number

• Mailing address

• Information submitted through forms, chat, or email

This information is used to respond to inquiries, provide account support, and facilitate communication.

b. Automatically Collected Information

• When you visit the Website, we may automatically collect

• IP address

• Browser type and version

• Device type and operating system

• Pages visited and usage data

• Referring URLs

Date and time of your visit

This information is used to monitor Website performance, improve functionality, and enhance user experience.

c. Cookies and Tracking Technologies

We use cookies and similar technologies to operate and improve the Website, analyze usage and trends, and enhance user experience. You may control cookies through your browser settings; however, some features of the Website may not function properly if cookies are disabled.

2. How We Use Information

We use collected information to:

• Respond to inquiries and requests

• Provide account-related support and communication

• Improve Website functionality and user experience

• Maintain security and prevent fraud

• Comply with legal and regulatory obligations

• Support internal business operations

We use personal information only for legitimate and lawful purposes.

3. How We Share Information

Ledge Financial does not sell personal information.

Information may be shared in the following circumstances:

a. Affiliated Entities and Service Providers With affiliated entities for operational purposes, and with vendors and service providers that perform services on our behalf (e.g., hosting, analytics, communications). Service providers are expected to maintain confidentiality and use information only for authorized purposes.

b. Legal and Compliance When required to comply with laws, regulations, or legal processes; respond to lawful requests from authorities; or protect the rights, safety, or property of Ledge Financial or others.

c. Business Transfers In connection with mergers, acquisitions, or asset sales.

4. Your Privacy Rights (U.S.)

Depending on your state of residence, you may have rights to:

• Access personal information we collect about you

• Request deletion of your personal information

• Request correction of inaccurate information

• Request information about how your data is used and shared

• Opt out of certain data sharing practices

To exercise your rights, contact us using the information below. We will respond to requests in accordance with applicable laws and regulations. We will not discriminate against you for exercising your rights.

5. California Privacy Rights (CCPA Notice)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to request disclosure of the categories and specific pieces of personal information collected

• The right to request deletion of personal information (subject to exceptions)

• The right to opt out of the sale of personal information

• Ledge Financial does not sell personal information as defined under the CCPA. To submit a request, please contact us using the information below.

6. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Policy, including legal, regulatory, and business requirements.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the internet can be guaranteed to be completely secure.

8. Communications and Security

Please note that communications sent via email or through the internet may not be fully secure. For account-specific matters or sensitive information, we recommend using secure or official communication channels. You may be asked to provide identifying information to verify your identity when submitting requests.

9. Third-Party Links

The Website may contain links to third-party websites. Ledge Financial is not responsible for the privacy practices or content of those websites. We encourage users to review the privacy policies of any third-party websites they visit.

10. Do Not Track Signals

Some browsers transmit "Do Not Track" signals. At this time, the Website does not respond to such signals.

11. Children's Privacy

This Website is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.

12. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date. Continued use of the Website constitutes acceptance of the updated policy.

13. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact:

Ledge Financial Website: https://ledgefinancial.net 1705 Albany Ave Ste 142 Cheyenne, WY 82001

Ledge Financial manages consumer receivable accounts through licensed servicing partners. All consumer communications and payment processing are handled by authorized third-party servicing providers.