Effective Date: August 1st 2025

This Privacy Policy describes how Trilogy Credit, LLC(“we” or “Trilogy”) collects, uses, shares and protects personal information when you interact with our websites (www.trilogycredit.com ) or mobile apps, emails we send, social media accounts, and online services (our “Services”). This Privacy Policy explains the following:

• The personal information we collect
• Online User Activity, Cookies and Information Collected by Other Automated Means
• How We Use Your Personal Information
• How We Disclose Your Personal Information
• How We Protect and Store Your Personal Information
• Your privacy options
• Children’s information
• Updates to this Privacy Policy

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. Please note that this Privacy Policy does not apply to non-Trilogy websites or services that state that they are offered under a different privacy policy. Please review the privacy policies on those websites and applications directly to understand their privacy practices.

For questions about our privacy practices, contact us at: privacy@trilogycredit.com .

1. The Personal Information We Collect

   Depending on the nature of your interaction with Trilogy, we may collect personal information as follows:

   • Directly from you, when you provide information to us or interact with us:
   • Contact informationand any other information you choose to include when you sign up for our services or communicate with us via e-mail, mail, phone or other channels.
   • Credit reportsthat you submit to the Services, including any content that can be extracted or inferred from such reports.
   • Any additional information you choose to provide us,including questions and feedback.
   • Automatically from you, when you utilize or interact with our Services;

     Device information and online user activity when you utilize our technology platforms, as described in the next section.

   • From third parties:
     • Information about the marketing and advertisements you have seen or clicked on, from online advertising companies.
2. Online User Activity, Cookies and Information Collected by Other Automated Means

   When you interact with the Services, certain information about your use of our Services is automatically collected. This includes:

   • Usage Details about your interaction with our Services (such as the date, time, and length of visits, and specific pages or content accessed during the visits, search terms, frequency of the visits, referring website addresses);
   • Device Information including the IP address and other details of a device that you use to connect with our Services (such as device type and unique device identifier, operating system, browser type, mobile network information, and the device's telephone number);
   • Location information where you choose to provide the website with access to information about your device’s location;
   • Site usage and session information.We collect information about your interaction with the Services, including the resources that you access, pages viewed, how much time you spent on a page, and how you reached our website. We also log the details of your visits to our website and information generated in the course of using our website, such as mouse movements, clicks, page visits, text entered, how long you spent on a page, and other details of your actions on our website.

   Much of this information is collected through cookies, web beacons, and other tracking technologies, which may be operated by our partners who assist us in collect information about usage of the Services, serving ads, or providing other services to you. For example, we use Google Analytics to collect usage details. You can learn more about privacy and Google Analytics by visiting https://support.google.com/analytics/answer/6004245, and opt out of collection of your data by using the Google Analytics Opt-out Browser Add-on, available at https://tools.google.com/dlpage/gaoptout. We may also use cookies set by other third-party services.

   You may be able to opt out of tracking by cookies or control how information collected by cookies is used via a number of means, as described below.

   Your browser or device may include “Do Not Track” functionality; please note that we do not respond to such signals.

3. How We Use Your Personal Information

   We use the personal information we collect from you for the following purposes:

   • Provide our Services to you and tailor the content we display to you in our Services, including generating reports and analyses as requested by you and providing recommendations for third- party products and services that may be of interest to you.
   • Conduct research and create market trend analyses.
   • Interact with you, including responding to your requests, providing customer support and informing you about important changes to this Privacy Policy, our Terms or other policies.
   • Manage, operate, and improve the Services and grow our business, including monitoring the performance of our Services, understanding our customer base and the effectiveness of our marketing, events, promotional campaigns, and publications, developing new products and services, and diagnosing or fixing technology problems.
   • Comply with legal requirements and industry standards, detect, investigate, and prevent activities that may violate our policies or be fraudulent or illegal, and protect the rights of Trilogy, you, or others.

   We may use and share information in an aggregated or de-identified manner data at our discretion, including for research, analysis, modeling, marketing, and improvement of our Services.

4. How We Disclose Your Personal Information

   We may disclose your information as follows:

   • Service Providers. We may share your information with service providers that we believe need the information to perform a technology, business, or other professional function for us such as billing and collection, IT services, maintenance and hosting of our Services, payment processors, marketing partners, accounting, auditing, and tax services, and other professional services.
   • Social Media Platforms. If you interact with us on social media platforms, the platform may be able to collect information about you and your interaction with us. If you interact with social media objects on our Services (for example, by clicking on a Facebook “like” button), both the platform and your connections on the platform may be able to view that activity. To control this sharing of information, please review the privacy policy of the relevant social media platform.
   • Affiliate Business Partners. We partner with third parties to offer services that may be of interest to you. We may distribute offers to you on behalf of our third party partners, or may invite you to provide your information to an Affiliate Business Partner so that they can contact you. We do not require you to provide information to our Affiliate Business Partners, and we only share your information when you direct us to do so. The offer will inform you what information will be shared.
   • Corporate Event. We reserve the right to transfer to another entity or its affiliates or service providers some or all information about you in connection with, or during negotiations of, any merger, acquisition, sale of assets or any line of business, change in ownership control, or financing transaction. We cannot promise that an acquiring party or the merged entity will have the same privacy practices or treat your information the same as described in this Policy.
   • Legal. We share information where necessary to comply with applicable law, to respond to requests from law enforcement agencies or other government authorities or third parties, as permitted by law and without your consent when it is necessary to protect our customers, employees, or property; in emergency situations; or to enforce our rights under our terms of service and policies.

   To the extent we disclose market research we create to third parties, we include only aggregated information, and not any identifiable personal information, on such reports.

5. How We Protect and Store Your Personal Information

   We use a combination of physical, technical, and administrative safeguards to protect the information we collect through the Services. While we use these precautions to safeguard your information, we cannot guarantee the security of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.

   If you use our Services outside of the United States, you understand that we may collect, process, and store your personal information in the United States and other countries.

6. Your Privacy Options

   If at any time you no longer wish to receive marketing communications from us, you can click the unsubscribe link at the bottom of any email.

7. Children’s Information

   We do not knowingly or intentionally gather personal information about children. If we have inadvertently collected the personal information of a user under the age of 18, or equivalent minimum age depending on jurisdiction, a parent or guardian of that child may contact us at privacy@trilogycredit.com to request that we delete the information from our records or otherwise cease the use of that information.

8. Updates to This Privacy Policy

   We may make changes to this Policy from time to time. The “Effective Date” at the top of this page indicates when this Privacy Policy was last revised. We may also notify you in other ways from time to time about the collection, use, and disclosure of your personal information described in this Policy.