Kornerstone Credit Privacy Policy for California Residents

Last Updated on: May 1, 2023

Your privacy is important to us at Kornerstone Credit, LLC (“Kornerstone,” “Company,” “Company,” “we,” “us,” or “our”). We are committed to safeguarding, preserving, and respecting your privacy rights.

This Privacy Policy for California Residents supplements the information contained in Kornerstone Credit’s Privacy Policy. It applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this Policy.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information excluded from the CCPA's scope.

In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

We obtain the categories of personal information listed above from the following categories of sources: directly from you, from your interaction with the Site, from publicly available sources, and from third parties which collect the personal information directly from you. We may collect information from - or share information with – our partners such as our affiliates, subsidiaries, market research firms, joint ventures, or other companies under common control.

We do not collect or process Sensitive Personal Information (as defined by California law) for the purpose of inferring characteristics about individuals.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also use your information to facilitate new product orders or process returns.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and respond to your inquiries, including investigating and addressing your concerns, troubleshooting, monitoring, and improving our responses.
• To personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law).
• To notify you about any changes, additions, or upgrades in our services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We do not sell personal information. We may share your personal information by disclosing it to a third party for business purposes only. We only make these business purpose disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. In the preceding twelve (12) months, Company has disclosed the following categories of personal information about consumers for business purposes.

We disclose personal information in Categories A (identifier), B (personal), C (Protected classification), F (Internet) and I (Professional and Employment) with service providers for the business purposes such as underwriting, credit reporting, and with our subsidiaries and affiliates in connection with providing the Services to you.

For more on your personal information rights, see Personal Information sharing Opt-Out and Opt-In Rights.

Your Rights and Choices

Right to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (the "right to know"). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting and sharing that personal information.
• The categories of third parties with whom we share that personal information.
• The categories of personal information disclosed for a business purpose and categories of persons to whom it was disclosed for a business purpose.
• The specific pieces of personal information we collected about you.

There are certain exceptions to a consumer’s Right to know. We will state in our response if an exception applies. You may only submit a request to know twice within a 12-month period.

Right to Delete

You have the right to request that we and our service providers delete any of your personal information that we have collected from you and retained, subject to certain exceptions (the "right to delete"). Once we receive your request and confirm your identity (see Exercising Your Rights to Know or Delete), we will review your request to see if an exception allowing us to retain the information applies. We will state in our response if an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.

Exercising Your Rights to Know or Delete

To exercise your rights to know or delete described above, please submit a request by either:

• Calling us at (888) 521-5111
• Emailing us at cs@kornerstonecredit.com
• Visiting at https://www.kornerstonecredit.com/contactus

Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your personal information. Authorized Agent: To designate an authorized agent, you may choose a person, or a business registered with the California Secretary of State that you authorize to act on your behalf to submit your requests. If you choose to use an Authorized Agent, we require that you provide the Authorized Agent with written permission to allow them to submit your request and that you verify your identity directly with us. Failure to do so may result in us denying your request.

Verification of Requests

To ensure the protection of personal information, we must verify that you are the consumer to whom the request relates prior to processing the request. Your request to know, request to delete, or request to correct must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

You do not need to create an account with us to submit a request to know or delete. We may request that you sign a declaration under the penalty of perjury from the consumer whose personal information is the subject of the request. We reserve the right to take additional steps as necessary to verify the identity of California consumers where we have reason to believe a request is fraudulent.

We will only use personal information provided in the request to verify the requestor’s identity or authority to make it. We will delete any information you provide after processing the request.

For instructions on exercising your opt-out or opt-in rights, see Personal Information Sharing Opt-Out and Opt-In Rights.

Response Timing and Format

We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact (888) 521-5111.

We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sharing Opt-Out and Opt-In Rights

You have the right to direct us to not share your personal information at any time (the "right to opt-out"). We do not sell the personal information of consumers.

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by contacting us with the title “Opt-out of personal information sharing” by

• Calling us at (888) 521-5111
• Emailing us at cs@kornerstonecredit.com
• Visiting at https://www.kornerstonecredit.com/contact us

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sharing. However, you may change your mind and opt back in to personal information sharing at any time by contacting us.

You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.

Non-Discrimination

We will not discriminate against you for exercising any of privacy rights. Unless permitted by the CCPA, we will not, but not limited to:

• Deny you goods or services.
• Charge different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services; or
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Policy

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated notice on the website and update the notice's effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which Kornerstone collects and uses your information described here and in the Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (888) 521-5111

Website: https://www.kornerstone.com

Email: cs@kornerstonecredit.com

Postal Address:

Kornerstone Credit

Attn: Customer Support

406 W South Jordan Parkway #600, South Jordan, UT 84095

If you need to access this Policy in an alternative format due to having a disability, please contact us at cs@kornerstonecredit.com and (888) 521-5111.