GLBA Privacy Policy

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Gramm-Leach-Bliley Act (GLBA) Privacy Notice

Last Updated: May 15, 2026

facts

WHAT DOES KAFENE, INC. DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect, and share depend on the product or service you have with us. This information can include: Social Security number, date of birth, and driver’s license number Address, and income Employment information, account balances and payment history Credit history and credit scores
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Kafene, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Kafene, Inc.share?	Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes— to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We do not share
For our affiliates’ everyday business purposes— information about your transactions and experiences	No	We do not share
For our affiliates’ everyday business purposes— information about your creditworthiness	No	We do not share
For our affiliates to market to you	No	We do not share
For nonaffiliates to market to you	No	We do not share

To limit our sharing	Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Call (855) 420-0747 or email help @kafene.com
Questions?	Call (855) 420-0747 or email [email protected]

Who we are
Who is providing this notice?	Kafene, Inc.

What we Do
How does Kafene, Inc. protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Kafene, Inc. collect my personal information?	We collect your personal information, for example, when you Apply for our services. Conduct a financial transaction, such as making a payment. Give us your income information or provide employment information. We also collect your personal information from credit bureaus, affiliates and other companies.
Why can’t I limit sharing?	Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you
What happens when I limit sharing for an account I hold jointly with someone else?	Your choice will apply to everyone on your account unless you tell us otherwise. State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Kafene, Inc. has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates with which Kafene, Inc. shares personal information include service providers that perform services or functions on our behalf. Kafene, Inc. does not share personal information with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Kafene, Inc. does not jointly market.

Other important information

Please review our Privacy Policy and the supplements therein for U.S. State specific policies.

The information disclosure practices described in this document are in accordance with federal law. You may have other privacy protections under State laws. To the extent these state laws apply, we will comply with them with regard to our information disclosure practices.

Nevada Residents: Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 East Washington Street, Suite 3900, Las Vegas, NV 89101; phone number (702) 486-3132; email: [email protected]. California Residents: In accordance with California law, we will not disclose information we collect about California residents to unaffiliated companies, except as permitted by law, which includes disclosures with the consent of the California resident and disclosures to service the resident’s accounts with us, as well as other lawful disclosures.

Vermont Residents: In accordance with Vermont law, we will not disclose information we collect about Vermont residents to unaffiliated companies and will not disclose application and third-party credit related information about Vermont residents to our affiliated companies except as follows: as permitted by law; to companies that perform services on our behalf; credit bureaus; and with the authorization or consent of the Vermont resident.

In order to comply with applicable laws and legal requirements, we may disclose information to government entities, self-regulatory organizations, or other third parties in response to court orders, subpoenas, government inquiries, or other mandatory legal processes. If you live in Alaska, California, Louisiana, Massachusetts, Maine, North Dakota or Vermont, under certain circumstances, we are required as a financial institution to obtain your affirmative consent to share your personal information with a nonaffiliate.

If you live in any state other than those listed, under certain circumstances, you may opt-out of Kafene sharing your personal information with a nonaffiliate.

Certain States have adopted a requirement for you to approve the sharing of information in advance, otherwise known as an“opt-in” choice. If you live in an “opt-in” state, then we will require your consent to share your information with unaffiliated third parties who are not servicing your account. State requirements vary and may change without notice.