PRIVACY POLICY

LAST UPDATED September 2023

OUR POLICY:

Welcome to ML Enterprise Inc. (“Engine by MoneyLion”, “Engine”, "Even”, “ML Enterprise”, “we”, “us”, “our”). This Privacy Policy is implemented to describe how we collect, use, and share your information in connection with our websites and platforms (the “Site”) and any other online content, tools, or services that we control and that link to this Privacy Policy. This Site is operated by Engine by MoneyLion and has been created to provide information to our visitors (“you,” “your”) about our company and our online content, tools and services, whether such content, tools and services are accessed on the Site or through third-party websites, mobile sites and/or applications (together with the Site, the “Services”). This Privacy Policy describes how Engine by MoneyLion collects, uses and discloses information from visitors to the Services, including personally identifiable data (“Personal Data”).

WHY THIS MATTERS

We want to build an indispensable platform to aid people in making smart comparisons and connecting them to companies for their financial needs. Knowing certain things will help us do that better.

Please be sure to read this entire Privacy Policy before using or submitting information through the Services. By using or submitting information through the Services, you are indicating that you agree to the collection, transfer, manipulation, processing, storage, disclosure and other uses of your personal data as described in this Privacy Policy and to be bound by the terms of this Privacy Policy. This Privacy Policy is incorporated into Engine by MoneyLion’s Terms of Service at https://engine.tech/terms-of-service/ and any other agreement entered into by and between you and Engine by MoneyLion.

PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES:

We collect Personal Data from you when you voluntarily provide such information, including but not limited to when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services.

If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:

For clarity, Engine by MoneyLion collects Personal Data from you to, in part, provide you with personalized content and information related to financial products, but Engine by MoneyLion is not a lender, credit card issuer, bank or other similarly situated financial institution. Any loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of the Services.

By voluntarily providing us with Personal Data, you are consenting to our use of your Personal Data in accordance with this Privacy Policy. You represent that the Personal Data you provide is true, accurate, current and complete, and that you have the authorization to provide it to us. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Engine by MoneyLion and the authorized third parties referred to herein.

INFORMATION AUTOMATICALLY COLLECTED:

Whenever you interact with the Services, Engine by MoneyLion may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:

IP Addresses:

The requests you make to Engine by MoneyLion may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.

Device IDs:

We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.

Location Data: We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.

Usage Information: We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, and the time, frequency and duration of your activities on the Site.

COOKIES, WEB BEACONS AND SIMILAR TECHNOLOGIES

In operating the Services, we may use cookies, web beacons and similar technologies. This Privacy Policy covers the use of cookies, web beacons and similar technologies by Engine by MoneyLion only. Engine by MoneyLion does not sell or share your cookies other than as described in this Privacy Policy. Uses of these technologies by third-party advertisers or websites linked from the Services, including third parties with which we partner, are governed by each such advertiser or website’s privacy policy.

Cookies & Analytics:

A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.

Please note that we use Google Analytics cookies for data analytics purposes, and you can find more information on how Google uses data from these cookies at google.com/policies/privacy/partners. You may choose to opt-out of Google Analytics by installing their opt-out browser add-on https://tools.google.com/dlpage/gaoptout/

Additionally, we may share certain information with companies like Facebook and Taboola, that allow us to create custom or Lookalike Audiences. You may learn more about Facebook Lookalike Audiences click here and about your off-Facebook activity and how to opt out of having such activity sent to Facebook click here. You may find more information about Taboola and their cookie practices here and if you wish to opt-out of such activity sent to Taboola click here

Turning Cookies On/Off: If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. You can learn more about cookies and the following third-party websites:

All About Cookies: http://www.allaboutcookies.org/

Network Advertising Initiative: http://www.networkadvertising.org/

Web beacons:

In addition to cookies, we may use web beacons (also known as “clear GIFs”) to measure traffic to or from or use of our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Data in order to provide you with more focused communications. Web beacons may be placed on the Service by third parties such as an analytics provider in order to support functionality described in this Privacy Policy. The information collected by these third parties in this manner is subject to that third party’s own privacy policies.

Aggregated Personal Data:

In an ongoing effort to better understand and serve the users of the Services, Engine by MoneyLion often conducts research on consumer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and Engine by MoneyLion may share this aggregate data with our affiliates, agents, service providers and other third parties with whom we do business. This includes, but is not limited to, information such as consumer financial trends, choices and comparisons. This aggregate information does not identify you personally. Engine by MoneyLion may also disclose aggregated user statistics in order to describe our services to current and prospective financial service providers, and to other third parties for other lawful purposes.

OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION:

Engine by MoneyLion uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. Generally, we may use information we collect in the following ways.

• To identify and potentially personalize the Services when you visit our Site
• To provide products and services
• For fraud and information security
• To improve the Services
• To conduct analytics such as usage trends
• To respond to inquiries related to support or other requests
• To send marketing and promotional materials about the Services
• To provide Engine by MoneyLion Related Companies for marketing purposes
• To manage our relationships
• To build aggregated user profiles and segments

For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.

Engine by MoneyLion and our subsidiaries and affiliates (the “Engine by MoneyLion Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users, to offer new products and Services and to improve the Services.

We also use research vendors, such as Hotjar, in order to better understand our users’ needs and to optimize this service and experience. The technology we may use helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. These services may use cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. The vendor may store this information on our behalf in a pseudonymized user profile. They are contractually forbidden to sell any of the data collected on our behalf. For further details, please see the ‘about Hotjar’ section of Hotjar’s support site and do not track.

Partners and Third-Party Sources:

We may also obtain information about you from third-party sources, such as our partners. We may also, at your direction, receive information from third-party services that provide you an ability to share information you have provided to the third-party through the use of an application program interface (API), such as Plaid. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

Marketing:

Engine by MoneyLion and Engine by MoneyLion’s financial providers with whom we share your information for product pricing may use your Personal Data to communicate with you by email, postal mail or by text message to provide you with:

• Information regarding your application status, or transactional information relevant to your account.
• Opportunities, surveys and promotions related to your submitted request available through the services or products of our financial providers that we think may be of interest to you.
• Information or content – such as articles or white papers – that we believe would be of interest to you through email, text messages, or postal mail.

Each marketing-related communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. If Engine by MoneyLion intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

You may choose to unsubscribe from marketing emails or mail by submitting an unsubscribe request form, emailing [email protected] or at the address below and asking to be removed from any correspondence. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.

We may contract with third-party advertising companies and social media companies to display ads on their service. These companies may use cookies and similar technologies to track your activity, the information collected by these third parties in this manner is subject to that third party’s own privacy policies. We may also use aggregated information from these sources for creating similar audiences in order to better target advertisements on their networks to potential consumers who appear to have shared characteristics. You may opt out of "similar audiences" in Google, you can do so through https://adssettings.google.com/authenticated. You can also learn more about how to opt out of their collection in general by going to www.aboutads.info/choices, www.networkadvertising.or and/or www.youronlinechoices.com

OUR DISCLOSURE OF YOUR PERSONAL DATA:

Engine by MoneyLion is not in the business of selling your Data to third parties. If your Personal Data was provided in a request for financial services, please see our GLBA Privacy Notice.

1. IP address, Internet activity information, including, but not limited to, browsing history, search history, and information regarding a consumer's interaction with an Internet Web site, application, or advertisement. Like many companies, we use services that help deliver interest-based ads and personalization to you, which may involve transfer of Personal Data to business partners for their use, such as Google Analytics. Because the definitions of ‘Personal Data,’ ‘share,’ and ‘sale’ under CCPA are broad, making Personal Data available to these companies may be considered a “sale” or “sharing” under CCPA. To view an overview of the privacy of your Google Analytics cookies please go here: https://support.google.com/analytics/answer/6004245. You may install a Google Analytics opt-out browser add-on by going here: https://tools.google.com/dlpage/gaoptout?hl=en-GB.

Additionally, there are certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:

Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a lender and/or service provider if the information you provide in one of our online forms or tools matches certain criteria for loan products offered by such lender and/or loan originator.

Business Analytics: When we partner with certain businesses in order to learn and improve user interface, content, site performance, and our offerings. For example, Information may be shared in order to improve your experience on partner sites as well as on our site.

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.

Related Companies: We may also share your Personal Data with the Engine by MoneyLion Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties: Engine by MoneyLion, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements: Engine by MoneyLion may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of Engine by MoneyLion (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

OTHER IMPORTANT INFORMATION:

Your Choices:

In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.

Registration/Account Information:

If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current and complete information about yourself.

Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.

If you no longer want to use our Services, you can deactivate your account by contacting us at [email protected] or at the address below.

Information Retention:

We keep your Personal Data only as long as necessary to provide you with the Services and for legitimate and essential business purposes, such as maintaining the performance of the website and associated services, making data-driven business decisions about new features and offerings, complying with our legal obligations, and resolving disputes. Due to regulatory and information retention requirements, we do not delete your information when you deactivate your account. We will, disable your account and cease sending any communications.

Access To Information:

We rely on you to ensure your information is accurate and up-to-date. To keep your Personal Data accurate, current and complete, please contact us as specified at the below address or [email protected]. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Exclusions:

This Privacy Policy does not apply to any Personal Data collected by Engine by MoneyLion other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to Engine by MoneyLion through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Engine by MoneyLion shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.

Children’s Privacy Online:

Engine by MoneyLion does not knowingly collect Personal Data from children under the age of 16. If you are under the age of 16, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a child under the age of 16 has provided Personal Data to Engine by MoneyLion through the Services, please contact us, and we will endeavor to delete that information from our databases.

Links To Other Websites:

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by Engine by MoneyLion (the “Third-Party Sites”). The policies and procedures we described here do not apply to the Third-Party Sites. The links from the Services do not imply that Engine by MoneyLion endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Social Media

Through the Site, you can choose to access certain social media websites and services that are owned and/or controlled by third parties (including, without limitation, Facebook, Twitter, Instagram, and others) (such websites and services, collectively, the “Social Media Services”). When you elect to access and use the Social Media Services, you will be sharing your information (which will include personal information if you elect to share such information) with those Social Media Services. As with other Third-Party Sites, the information that you share with the Social Media Services will be governed by the privacy policies and terms of service of the providers of such Social Media Services and not by the policies and procedures we describe here. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to other entities, including Engine by MoneyLion. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of the applicable Social Media Services provider.

Security:

Engine by MoneyLion takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to Engine by MoneyLion via the Internet. By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at [email protected].

If you are, or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take.

International Users:

The Service is hosted and intended solely for consumers in the United States. All Personal Data is stored on servers in the United States and is subject to United States law. By choosing to use the Services or otherwise provide information to us, you agree that any dispute over privacy or the terms contained in this Privacy Policy will be governed by the law of the state of New York and the adjudication of any disputes arising in connection with the Services will be in accordance with the Terms of Service at https://engine.tech/terms-of-service/.

If you are visiting the Services from the European Union or other regions with laws governing data collection and use, please note that you are agreeing to the transfer of your information to the United States and the global processing of such information. By providing your information you consent to any transfer and processing in accordance with this Privacy Policy.

Other Terms and Conditions:

Your access to and use of the Services is subject to the Terms of Service at https://engine.tech/terms-of-service/.

Changes to Engine by MoneyLion’s Privacy Policy:

The Services and our business may change from time to time. As a result, at times it may be necessary for Engine by MoneyLion to make changes to this Privacy Policy. Engine by MoneyLion reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

New Uses of Personal Data: From time to time, we may desire to use Personal Data for uses not previously disclosed in our Privacy Policy. If our practices change regarding previously collected Personal Data in a way that would be materially less restrictive than stated in the version of this Privacy Policy in effect at the time we collected the information, we will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.

How We Respond to “Do Not Track” Signals:

Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

YOUR STATE PRIVACY RIGHTS:

State privacy laws may afford California, Virginia, Nevada, Connecticut, and Vermont residents certain rights over their personal information (subject to certain exceptions). Most of our data collection and use practices are governed by our Gramm-Leach-Bliley Privacy Notice. Please review our State Laws Privacy Statement for our privacy disclosures and information on how to exercise your rights.

CONTACTING ENGINE BY MONEYLION:

To keep your Personal Data accurate, current and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Please also feel free to contact us if you have any questions about ML Enterprise’s Privacy Policy or the information practices of the Services.

You may contact us as follows:

[email protected]

30 West 21st Street

10th Floor

New York, NY 10010

1-800-410-1488

State Laws Notice and Privacy Policy

January 01, 2023

The following State Laws Notice at Collection and Policy (the “State Privacy Policy”) shall not apply to the collection, processing, sale or disclosure of any information (i) that a consumer provides to us to obtain a financial product or service, or (ii) about a consumer resulting from any transaction involving a financial product or service; or (iii) about a consumer resulting from a consumer’s express direction to disclose the consumer’s information; or (iv) we otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.

Most of our data collection and use practices are governed by our Gramm-Leach-Bliley Privacy Notice. Please review our Privacy Policy and our Gramm-Leach-Bliley Privacy Notice for more information about our privacy practices and how you may limit certain types of sharing under GLBA.

To better understand your rights in respect of any such information excluded from the following State Laws Notice at Collection and Policy, please instead reference the Engine by MoneyLion Agreements and Policies Page, which you may access at https://engine.tech/about/legal.

This STATE PRIVACY POLICY supplements the information contained in the Privacy Policy of Engine by MoneyLion (“we,” “us,” or “our”) and applies solely to consumers who reside in the State of California Virginia, Nevada, Connecticut, or Vermont (“consumers” or “you”). We adopt this statement to comply with the California Consumer Privacy Act of 2018 incorporating any amendments thereto, including but not limited to the California Privacy Rights Act (together, “CCPA”), other California privacy laws, the Virginia Consumer Data Protection Act (“VCDPA”), Nevada Chapter 603A (“N603”), and Vermont’s Privacy of Consumer Financial and Health Information Regulation. Any terms defined under applicable privacy laws have the same meaning when used in this statement. For California, Virginia, Nevada, Connecticut, or Vermont residents, the provisions of this State Privacy Policy prevail over any conflicting provisions of the Privacy Policy of Engine by MoneyLion.

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 or household subject to applicable privacy laws (“Personal Information”).

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

Personal Information does not include:

• Publicly available information from government records.

• De-identified or aggregate consumer information.

• Other information to the extent excluded from the applicable privacy law scope, like:
  
  • Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver's Privacy Protection Act of 1994;
  
  • Health or medical information that constitutes clinical trial data or that is otherwise covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Health Information Technology for Economic and Clinical Health Act (HITECH), or the California Confidentiality of Medical Information Act (CMIA);
  
  • For residents of Virginia, Personal Information we may collect from a natural person (including, without limitation, emergency contact information for that natural person and such other Personal Information we may need in order to administer benefits for such natural person) in the course of the natural person applying for a job with us or otherwise in connection that natural person acting as our employee, owner, director, officer, medical staff member, or contractor; and
  
  • For residents of Virginia, Personal Information we may collect from a natural person who is acting as an employee, owner, director, officer, or contractor of another company with which company we are communicating or for which company we are otherwise evaluating or actually providing a product or service.

Sources of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we obtain such Personal Information from a variety of sources, including from:

• our customers and consumers, with respect to both online and offline interactions they may have with us or our service providers and other entities with whom you transact;
• others with whom you maintain relationships who may deal with us on your behalf; credit bureaus;
• identify verification and fraud prevention services;
• marketing and analytics providers;
• public databases;
• social media platforms;
• advertising networks;
• government entities;
• internet service providers and the devices you use to access our websites, mobile applications, and online services;
• operating systems and platforms;
• third party through the use of an application program interface (API), such as Facebook or Plaid;
• data brokers

Use of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we may use or disclose such Personal Information for any one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided.
• To provide you with information, products or services that you request from us;
• To provide you with email alerts, event registrations and other statements concerning our products or services;
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
• To detect and protect against security incidents, and malicious, deceptive, fraudulent or illegal activity, and prosecute the same;
• To debug to identify and repair errors in our systems;
• As otherwise necessary or appropriate to protect the rights, property or safety of us, our customers, consumers, or others;
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
• For such purposes as may be necessary or appropriate in connection with audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;
• To improve our website and apps and present their content to you;
• For testing, research, analysis and product development;
• For short-term, transient use including contextual customization of ads
• To provide non-affiliated third parties with lead generation services; and/or
• As otherwise described to you when collecting your Personal Information or as otherwise set forth in the applicable privacy laws.

Sharing Personal Information

With respect to each of the categories of Personal Information listed in the “Information We Collect” chart above, we may disclose such Personal Information to a third party for any of the business purposes identified above.

In addition, as is common practice among companies that operate online, we allow certain third parties, including non affiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Site analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. For more information about these practices, please review the “Cookies, Web Beacons and Similar Technology” section of the Engine by MoneyLion Privacy Policy.

In the preceding twelve (12) months, we have disclosed the above categories of Personal Information for each of the business purposes identified above.

With respect to each of the categories of Personal Information listed immediately above, we may disclose such Personal Information for a business purpose to the following categories of third parties:

• Our affiliates
• Service providers
• Government entities
• Marketing partners, such as those partners who you interact with that maintain a link to our services on their site, embeddable widget or our API
• Providers, such as third parties as our customers or consumers may direct us to disclose their personal information

California Privacy Rights

The CCPA provides residents certain rights regarding their Personal Information, including:

Access to Specific Information and Data Portability Rights

You have the right to send us a request, no more than twice in a twelve-month period, for any of the following for the period that is twelve months prior to the request date:

• The categories of personal information we have collected about you.
• The categories of sources from which we collected your personal information.
• The business or commercial purposes for our collecting or selling your personal information.
• The categories of third parties to whom we have shared your personal information.
• The specific pieces of personal information we have collected about you.
• A list of the categories of personal information disclosed for a business purpose in the prior 12 months, or that no disclosure occurred.
• A list of the categories of personal information sold about you in the prior 12 months, or that no sale occurred. If we sold your personal information, we will explain:
  • The categories of your personal information we have sold.
  • The categories of third parties to which we sold personal information, by categories of personal information sold for each third party.

You have the right to make or obtain a transportable copy, no more than twice in a twelve-month period, of your personal information that we have collected in the period that is 12 months prior to the request date and are maintaining.

Right to Deletion:

You have the right to request that we delete any of your Personal Information that we have collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

Right to Opt-Out:

You have the right to opt-out of the disclosure of Personal Information about you for monetary or other valuable consideration. For a detailed description of your rights, please see the below section “Opt Out.”

Right to Opt-In:

We do not have actual knowledge that we collect, share, or sell the Personal Information of minors under the age of 16.

Right to Limit Use and Disclosure of Sensitive Personal Information:

You may request specific limitations on further sharing, use, or disclosure of your Sensitive Personal Information that is collected or processed for uses outside of those legally allowed by statute. However, we do not collect or process Sensitive Data for this purpose.

Right to Correction:

You have the right to request that we maintain accurate Personal Information about you and correct any Personal Information about you which we have collected from you, subject to exceptions within the law.

If you would like to exercise your rights, please refer to the below Section “Exercising Your Privacy Rights”

Virginia Privacy Rights

Virginia provides residents with specific rights regarding Personal Information, including:

Access to Specific Information and Data Portability Rights

You have the right to confirm whether or not we are processing your Personal Information, to access such Personal Information, and to obtain a copy of such Personal Information.

Right to Correction:

To correct inaccuracies in your Personal Information which we have collected, taking into account the nature of the Personal Information and the purposes of processing the Personal Information.

Right to Deletion:

To request deletion of Personal Information for which we have collected, subject to legal exemptions.

Right to Opt Out:

You have the right to opt out of the processing of Personal Information for purposes of targeted advertising, the sale of Personal Information, or profiling in furtherance of decisions that produce legal or similarly significant effects. For a detailed description of your rights, please see the below section “Opt Out.”

If you would like to exercise your rights, please refer to the below Section “Exercising Your Privacy Rights”

Colorado Privacy Rights

This section is applicable to residents of Colorado beginning July 1, 2023. “Personal Information” for purposes of this section regarding the rights of Colorado residents, means information that is linked or reasonably linkable to an identified or identifiable natural person and does not include de-identified information or publicly available information.

Rights under CPA

Colorado provides residents with specific rights regarding Personal Information, including:

• Right of Access: You have the right to confirm whether or not we are processing your Personal Information and to access such information.
• Right to Correction: You have the right to correct inaccuracies in your Personal Information which we have collected, taking into account the nature of the Personal Information and the purposes of processing the Personal Information.
• Right to Deletion: You have the right to request deletion of Personal Information concerning you, subject to legal exemptions.
• Right to Data Portability: You have the right to obtain a copy of your Personal Information in a portable and technically feasible, readily usable format. You may not exercise this right more than two times per calendar year.
• Right to Opt-Out: You have the right to opt out of the processing of Personal Information for purposes of (1) targeted advertising; (2) the sale of Personal Information; or (3) profiling in furtherance of decisions that produce legal or similarly significant effects.

If you would like to exercise your rights, please refer to the below Section “Consumer Requests.”

Nevada Privacy Rights

Right to Opt Out:

You have the right to request that we not sell the Personal Information we currently have about you or that we might collect about you in the future. For a detailed description of your rights, please see the below section “Opt Out.”

Right to Correction:

If you use the Services you may review and request changes to any of your covered information that is collected.

Connecticut Privacy Rights

If collected, we will take reasonable measures to protect the confidentiality of Social Security numbers and limit access to those with a need for such information. We prohibit the unlawful disclosure of Social Security numbers.

Vermont Privacy Rights

We will not share Personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

Opt Out

Like many companies, we use services that help deliver interest-based ads and personalization to you, which may involve transfer of Personal Information to business partners for their use, such as Google Analytics. Because the definitions of ‘Personal Information,’ ‘share,’ and ‘sale’ under CCPA are broad, making Personal Information available to these companies may be considered a “sale” or “sharing” under CCPA. As such, you can exercise your right to opt out of these sales by:

1. Visit privacyrights.info to opt out from sales of this type of personal information by third-party businesses that participate in the DAA’s CCPA Opt-Out Tool, and
2. Visit myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings” and toggle “Ad personalization” to OFF, and
3. Follow the instructions in the “Third-Party Web Beacons and Third-Party Buttons” section in the Engine by MoneyLion to opt out of interest-based advertising and other cookie-related information collection and processing.

Exercising Your Privacy Rights

To make a request according to your rights under applicable privacy laws, click here or mail your request for the attention of the Privacy / Legal Department to Engine by MoneyLion, 50 West 23rd Street, Suite 700, New York, NY 10001. You may exercise these rights via an authorized agent who meets the agency requirements of the applicable privacy laws. 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 that the personal information relates to you. Any request you submit to us is subject to an identification and residency verification process

The verifiable consumer request 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.

Verifying Your Request

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. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify your identity or authority to make the request. We may otherwise limit our response to your request as permitted under applicable law.

Whenever feasible, we will match the identifying information provided by you to the Personal Information we maintain. Some personal information we maintain about Consumers is not sufficiently associated with enough personal information about the Consumer for us to be able to verify that it is a particular consumer's personal information (e.g., data tied only to a pseudonymous browser ID). As required by the applicable law, we do not include that personal information in response to verifiable consumer requests. If we cannot comply with a request, we will explain the reasons in our response.

We will make commercially reasonable efforts to identify consumer personal information that we collect, process, store, disclose, and otherwise use and to respond to your privacy rights requests. We will typically not charge a fee to fully respond to your requests, but we may charge a reasonable fee, or refuse to act upon a request, if your request is excessive, repetitive, unfounded, or overly burdensome.

With respect to requests submitted on your behalf by your authorized agent, please note that we may deny a request from an authorized agent if the agent cannot provide your signed permission demonstrating that they have been authorized by you to act on your behalf.

Deletion Requests

We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers 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, 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 sec.)

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.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 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.

Non-Discrimination

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

Virginia, Colorado, and Connecticut Appeal Process

If you have made a request to access, correct, or delete your Personal Information under VCDPA, CPA, and CTDPA, and we have declined to take action, you may appeal our decision within 45 days of the denial.

California “Shine the Light” law

California's "Shine the Light" law, Civil Code section 1798.83, requires certain businesses to respond to requests from California customers asking about the businesses' practices related to disclosing personal information to third parties for the third parties' direct marketing purposes. We do not currently engage in the type of sharing covered by that law and so no such list exists. We do not make any representations concerning third parties that do not collect personal information directly through our Services.

Changes to Our Privacy Statement

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 notify you through a statement on our website homepage.

Contact Information

If you have any questions or comments about this statement, the ways in which we collect and use your Personal Information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

[email protected]

30 West 21st Street

10th Floor

New York, NY 10010

1-800-410-1488

Terms Of Service

Date Of Last Revision: March, 2023

Welcome to ML Enterprise Inc.!

ML Enterprise Inc.("Engine by MoneyLion", "Engine”, “Even Financial”, “we”, “us”, “our”) provides our Services (described below) to you through our website located at https://www.engine.tech (the “Site”) and through our online content, tools and services related to the marketplace, whether accessed on the Site or through third-party websites, mobile sites and/or applications (collectively, such services, including any new features and applications, and the Site, the “Services”), subject to the following Terms of Service (as amended from time to time, these “Terms of Service”).

We reserve the right, in our sole discretion, to change or modify portions of these Terms of Service at any time without further notice. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions to which you are bound. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms of Service were last revised. We will also notify you of any material changes through a pop-up notice, email or other reasonable means. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to abide by these or any future Terms of Service, do not use or access (or continue to use or access) the Services.

In addition, when using certain services, you will be subject to any additional terms applicable to such services that may be posted on or in connection with the Services from time to time, including, without limitation, the Privacy Policy located at https://engine.tech/privacy-policy/. All such terms are hereby incorporated by reference into these Terms of Service. If there is any conflict between such additional terms and these Terms of Service, the additional terms will supplement or amend these Terms of Service, but only with respect to the matters governed by the additional terms.

ACCESS AND USE OF THE SERVICES

Services Description

We and our affiliates, through the services we provide, are intended only to assist you in your financial organization and decision making and is broad in scope. We are an independent comparison service provider that allows you to obtain general information, including but not limited to, the ability to find third-party financial providers, for certain financial request services and products. The Services are designed to provide consumers information about various lenders, issuers, financial institutions, nonbank financial institutions, and/or financial services providers and the marketplace lending market (collectively “financial providers”) through the Services’ content and tools. This includes, but is not limited to, information, content and tools related to products and/or services such as credit cards, savings accounts, personal loans, life insurance and student loans. Engine by MoneyLion provides such information, content and tools as part of the Services but is not a lending institution or other financially related service provider itself. Any product or service offered or related transaction to which you are a party is solely transacted between you and the applicable service provider and is not a part of the Services. We do not issue loans, credit cards or any other financial products nor do we act as an agent or advisor to you or any financial provider. Third-party financial request providers are solely responsible for any services they may provide to you.

All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider's discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. We do not guarantee acceptance into any particular program or specific terms or conditions with any financial provider; approval standards are established and maintained solely by financial providers. We do not guarantee that the rates offered include the lowest rates available in the market or the rate that will ultimately be charged. This website does not include all lending companies or all available lending offers that may be available to you.

Engine by MoneyLion also provides financial partners with information about prospective consumers, as described in our Privacy Policy.

Your personal financial situation is unique, and it is your responsibility to evaluate the information and content provided and before making any financial decisions. You should consider obtaining additional information and/or advice from a qualified financial advisor who is fully aware of your individual circumstances.

Your Registration Obligations

You may be required to register with Engine by MoneyLion in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services registration form or one of our tools or forms that appears on a third-party website, mobile site or application. Registration data, information that you enter into our tools or forms and certain other information about you are governed by our Privacy Policy at https://engine.tech/privacy-policy/. If you are under 18 years of age, you are not authorized to use the Services, with or without registering. Engine by MoneyLion will not be liable for any loss or damage arising from your failure to comply with this section.

Modifications to Services

Engine by MoneyLion reserves the right to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. You agree that Engine by MoneyLion will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.

General Practices Regarding Use and Storage

You acknowledge that Engine by MoneyLion may establish general practices and limits concerning use of the Services, including without limitation the maximum period of time that data or other content will be retained by the Services and the maximum storage space that will be allotted on Engine by MoneyLion’s servers on your behalf. You agree that Engine by MoneyLion has no responsibility or liability for the deletion of or failure to store any data or other content maintained by or uploaded to the Services. In addition, as described herein, we will share information you submit to us with financial providers in order to provide our Services. By submitting an inquiry, signing up for an account, or otherwise inputting information on or through our Site, you give us permission to retain all such provided information, and any other information we collect or may receive about you. You further acknowledge that Engine by MoneyLion reserves the right to change these general practices and limits at any time, in our sole discretion, with or without notice.

Mobile Services

The Services include certain services that may be available via a mobile device, including (i) the ability to submit information or upload content to the Services via a mobile device and (ii) the ability to browse the Services and the Site from a mobile device (collectively, the “Mobile Services”). To the extent you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding Engine by MoneyLion and our financial providers by SMS, MMS, or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us to ensure that your messages are not sent to the person that acquires your old number.

Electronic Notices and Communication

By using the Services, you agree that we may communicate with you electronically via email regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or sending an email to you. You may have a legal right to receive this notice in writing. To receive a free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at [email protected].

CONDITIONS OF USE

User Conduct

You are solely responsible for all information, data, text, software, messages or other materials (“content”) that you submit or upload to the Services or otherwise use via the Services. The following are examples of the kind of content and/or use that is illegal or prohibited by Engine by MoneyLion. Engine by MoneyLion reserves the right to investigate and take appropriate legal action against anyone who, in Engine by MoneyLion's sole discretion, violates this provision, including without limitation, removing the offending content from the Services, blocking such violator’s access to the Services and reporting the violator to law enforcement authorities. You agree to not use the Services to:

a) email or otherwise submit or upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to submit or upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically or otherwise objectionable; or (vii) in the sole judgment of Engine by MoneyLion, is objectionable or which restricts or inhibits any other person from using or enjoying the Services, or which may expose Engine by MoneyLion or our users to any harm or liability of any type;

b) interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services; or

c) violate any applicable local, state, national or international law, or any regulations having the force of law;

d) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

e) solicit personal information;

f) harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;

g) further or promote any criminal activity or enterprise; or

h) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Services.

Special Notice for International Use; Export Controls

Software (defined in the section on “Intellectual Property Rights” below) available in connection with the Services and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Services or otherwise exported or re-exported in violation of U.S. export laws. Your use of the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Services, including as it concerns online conduct and acceptable content.

Commercial Use Not Permitted

Unless otherwise expressly authorized herein or in the Services, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Services, use of the Services, or access to the Services.

Protected Areas

Certain areas of the Site and Services may be password restricted to registered users (“Password Areas”). If you are a registered user of the Password Areas, you agree that you are entirely responsible for maintaining the confidentiality of your password. You agree that you are entirely responsible for any and all activities which occur under your account, whether or not you are the individual who undertakes such activities. You agree that you are above 18 years of age. You agree to immediately notify Engine by MoneyLion of any unauthorized use of your account or any other breach of security in relation to the Site or Services known to you. If you choose to register for the Services, you agree to provide and maintain true, accurate, current, and complete information about yourself as prompted by the Services’ registration form or one of our tools or forms that appears on a third-party website, mobile site, or application. Registration data, information that you enter into our tools or forms, and certain other information about you are governed by our Privacy Policy.

Feedback

We may also provide you opportunities to review our Services with comments, suggestions, survey answers, questions, through third-party review websites and other feedback regarding our Services. These communications may be provided to you via email, social media, surveys, or similar means. By submitting and providing your Feedback you consent to its use in any manner and for any purpose to optimize, improve, promote or market our Services in accordance with our Privacy Policy. Any dealings you have with third parties are between you and the third party and their privacy policy and terms.

If you are given an opportunity to submit free-form responses, you agree to provide relevant and responsible responses; refrain from including any sensitive information of any kind (e.g., credit card or bank account information). You further agree that any information or materials that you, or individuals acting on your behalf, provide will not be considered confidential or proprietary and that ML Enterprise Inc. or its affiliates cannot and will not be held responsible to protect such data if you were to include it in your responses.

INTELLECTUAL PROPERTY RIGHTS

Service Content, Software and Trademarks

You acknowledge and agree that the Services may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Except as expressly authorized by Engine by MoneyLion, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Services or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally submit or upload to the Services. You may not remove or alter any proprietary notices or marks on the Services or any portion thereof. In connection with your use of the Services you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. Any use of the Services or the Service Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Services or distributed in connection therewith is the property of Engine by MoneyLion, our affiliates and our financial providers (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by Engine by MoneyLion.

The Engine by MoneyLion name and logos are trademarks and service marks of Engine by MoneyLion (collectively the "Engine by MoneyLion Trademarks”). Other company, product, and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to Engine by MoneyLion. Nothing in these Terms of Service or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Engine by MoneyLion Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of the Engine by MoneyLion Trademarks will insure to our exclusive benefit.

Third-Party Material

Under no circumstances will Engine by MoneyLion be liable in any way for any content or materials of any third parties (including users), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that Engine by MoneyLion does not pre-screen content from third parties, but that Engine by MoneyLion and our designees will have the right (but not the obligation) in our sole discretion to refuse or remove any content that is available via the Services. Without limiting the foregoing, Engine by MoneyLion and our designees will have the right to remove any content that violates these Terms of Service or is deemed by Engine by MoneyLion, in our sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

User Content Transmitted Through the Service

With respect to the content or other materials you submit or upload to the Services (collectively, “User Content”), you represent and warrant that you own all right, title and interest in and to such User Content, including, without limitation, all copyright and rights of publicity contained therein. By uploading any User Content you hereby grant and will grant Engine by MoneyLion and our affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, perform, distribute, store, modify and otherwise use your User Content in connection with the operation of the Services, in any form, medium or technology now known or later developed.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Services (“Submissions”) provided by you to Engine by MoneyLion are non-confidential and Engine by MoneyLion will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

You acknowledge and agree that Engine by MoneyLion may preserve content and may also disclose content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property or personal safety of Engine by MoneyLion, our users and the public. You understand that the technical processing and transmission of the Services, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You acknowledge, agree and authorize that (a) your information may be sent to financial providers on your behalf, (b) your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio, (c) such financial providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, and (d) your information may be used to make prequalification and other credit or insurance decisions.

Third Party Websites

The Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. Engine by MoneyLion has no control over and is not responsible for such sites and resources, and links to such sites and resources do not indicate Engine by MoneyLion's endorsement of or affiliation with such sites and resources. You further acknowledge and agree that Engine by MoneyLion will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, events, goods or services available on or through any such site or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that Engine by MoneyLion is not liable for any loss or claim that you may have against any such third party.

Indemnity and Release

You agree to release, indemnify and hold Engine by MoneyLion and our affiliates and our and their officers, employees, directors and agents harmless from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Services, any User Content, your connection to the Services, your violation of these Terms of Service or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”)

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

You are submitting a request to be matched with one of our financial providers. In order to offer you a product, the financial providers need your consent to use and accept electronic signatures, records and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting Engine by MoneyLion and/or the service provider directly. Engine by MoneyLion and/or the financial providers will provide paper copies at no charge. Engine by MoneyLion and/or financial providers will retain all Disclosures as applicable law requires. To obtain a paper copy from Engine by MoneyLion, please email us at [email protected] with your request. In order to obtain a paper copy from a service provider, please contact that third party directly.

Scope of Consent

This E-Consent applies to all interactions online concerning you, Engine by MoneyLion, and the service provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, Engine by MoneyLion, the service provider may process your information and interact during all online interactions with you electronically. Engine by MoneyLion, the service provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or the financial providers’ websites, and may be provided by email.

Consenting to Do Business Electronically

Before you decide to do business electronically with Engine by MoneyLion and/or the financial providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or Mac compatible computer or other device capable of accessing the Internet, access to an email account, and an Internet browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to Engine by MoneyLion and/or the financial providers.

Withdrawing Consent

Your E-Consent for our matching service and for our financial providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more financial providers, you are free to withdraw your E-Consent with Engine by MoneyLion and/or financial providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the service provider. Contact Engine by MoneyLion and/or service provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep Engine by MoneyLion and/or the financial providers informed of any change in your electronic address or mailing address. You may update such information by logging into Engine by MoneyLion and/or the financial provider’s website or by sending Engine by MoneyLion and/or the service provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY FINANCIAL PROVIDERS OVER THE INTERNET.

Contact by Telephone

You are providing express written consent to be contacted by Engine by MoneyLion and its financial providers at the telephone number(s) you have provided to explore financial products, including contact through automatic dialing systems, artificial or prerecorded voice messaging, or text message (including SMS and MMS – charges may apply).

When you receive SMS and MMS notifications, you are also providing express written consent to be contacted to receive recurring messages at the phone number(s) provided about the services you inquired about. Message and data rates may apply. Message frequency will vary. Engine by MoneyLion and mobile carriers are not liable for delayed or undelivered messages. SMS/MMS services is supported on all U.S. carriers. Please note, however, that the supporting mobile carriers may change without notice and may be limited to specific carriers.

You can cancel this service at any time. Just text “STOP” to the number from which you received communication. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again. For help with the service please send the message “HELP” to the number from which you received communication. After you send the message “HELP” to us, we will respond with instructions on how to receive further help with the service.

You may be contacted at the telephone number(s) you have provided even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. This consent is not required as a condition to purchase services.

Disclaimer of Warranties

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ENGINE BY MONEYLION EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

ENGINE BY MONEYLION MAKES NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT ENGINE BY MONEYLION WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OR DAMAGES FOR LOSS OF PROFITS, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ENGINE BY MONEYLION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICES. IN NO EVENT WILL ENGINE BY MONEYLION TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.

Dispute Resolution

Any controversy or claim arising out of or relating to these Terms of Service or the breach thereof shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules (including the Optional Rules for Emergency Measures of Protection), and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitration proceedings shall be conducted before one (1) neutral arbitrator selected by the American Arbitration Association. The place of arbitration shall be New York, New York. Either party may apply to the arbitrator seeking injunctive relief until the arbitration award is rendered or the controversy is otherwise resolved. Either party may, without waiving any remedy under these Terms of Service, seek from any court having jurisdiction any interim or provisional relief that is necessary to protect the rights or property of that party, pending the establishment of the arbitral tribunal (or pending the arbitral tribunal’s determination of the merits of the controversy).

Termination

You agree that Engine by MoneyLion, in our sole discretion, may suspend or terminate your use of the Services and remove and discard any content within the Services for any reason, including, without limitation, for lack of use or if Engine by MoneyLion believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive or illegal activity that may be grounds for termination of your use of the Services may be referred to appropriate law enforcement authorities. Engine by MoneyLion may also in our sole discretion and at any time discontinue providing the Services or any part thereof, with or without notice. You agree that any termination of your access to the Services under any provision of these Terms of Service may be effected without prior notice, and acknowledge and agree that Engine by MoneyLion may immediately delete any information you have submitted or uploaded to the Services and/or bar any further access to such information or the Services. Further, you agree that Engine by MoneyLion will not be liable to you or any third party for any termination of your access to the Services, and that Engine by MoneyLion may take any measures we deem necessary to restrict access to the Services, including blocking IP addresses.

User Disputes

You agree that you are solely responsible for your interactions with financial providers or any services about which you obtain information through the Services, and Engine by MoneyLion will have no liability or responsibility with respect thereto. Engine by MoneyLion reserves the right, but has no obligation, to become involved in any way with disputes between you and any such financial providers or services.

General

These Terms of Service constitute the entire agreement between you and Engine by MoneyLion and govern your use of the Services, superseding any prior agreements between you and Engine by MoneyLion with respect to the Services. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party content or third-party software. These Terms of Service will be governed by the laws of the State of New York without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration as set forth above, you and Engine by MoneyLion agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within New York, New York. The failure of Engine by MoneyLion to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of this agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms of Service without the prior written consent of Engine by MoneyLion, but Engine by MoneyLion may assign or transfer these Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. Notices to you may be made via either email or regular mail. The Services may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Services.

Your Privacy

At Engine by MoneyLion, we respect the privacy of our users. For details please see our Privacy Policy located at https://engine.tech/privacy-policy/. By using the Services, you consent to our collection and use of your personal data as outlined therein.

Questions? Concerns? Suggestions? Please contact us at [email protected] to report any violations of these Terms of Service or to pose any questions regarding these Terms of Service or the Services.

GLBA

The Gramm-Leach-Bliley Act (GLBA) requires certain companies to explain their information sharing practices to consumers and to safeguard sensitive data. Please read this notice carefully to understand what we do.

• Download GLBA

Data Request Form

To make a request according to your rights under state law, click here or mail your request for the attention of the Privacy / Legal Department to Engine by MoneyLion.

Our Address:

30 West 21st Street
10th Floor
New York, NY 10010

Credit Authorization

You acknowledge, agree, and authorize that
(a) ML Enterprise Inc. and/or its related companies will obtain consumer and related information about you from one or more consumer reporting agencies for the purposes of identifying the lenders and/or financial providers who would be the best match for you,
(b) your information may be sent to lenders and/or financial providers on your behalf,
(c) your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio,
(d) such lenders and/or financial providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax,
(e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.

E-Consent

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

You are submitting a request to be matched with one of our third party financial institution providers. In order to offer you a loan or other financial product, the financial institution providers, such as lenders, need your consent to use and accept electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting ML Enterprise Inc. / Fiona, ("Engine by MoneyLion”, "Engine”, "Even”, “Even Financial”, ”Fiona”, “we”, “us”, “our”) the third- party lender and/or financial institution provider directly. Engine by MoneyLion / Fiona, the lenders and/or the financial institution providers will provide paper copies at no charge. Engine by MoneyLion / Fiona, the lenders and/or financial institution providers will retain all Disclosures as applicable law requires. To obtain a paper copy from Engine by MoneyLion / Fiona, please email us at [email protected] and / or [email protected] [email protected] with your request. In order to obtain a paper copy from a third- party lender and/or financial institution provider, please contact that party directly.

Scope of Consent

This E-Consent applies to all interactions online concerning you, Engine by MoneyLion / Fiona, and the third- party lender and/or the financial institution provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, Engine by MoneyLion / Fiona, the third- party lender and/or the financial institution provider may process your information and interact during all online interactions with you electronically. Engine by MoneyLion / Fiona, the lender and/or the financial institution provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third- party lenders’ and/or financial institution providers’ websites, and may be provided by e-mail. Consenting to Do Business Electronically. Before you decide to do business electronically with Engine by MoneyLion / Fiona, the third- party lenders and/or the financial institution providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or Mac compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128- bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X® or Foxit®. You will need a printer or a long-term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to Engine by MoneyLion / Fiona, the third- party lenders and/or the financial institution providers.

Withdrawing Consent

Your E-Consent for our matching service and for our third- party lenders’ and/or financial institution providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third- party lenders and/or financial institution providers, you are free to withdraw your E-Consent with Engine by MoneyLion / Fiona, those third- party lenders and/or financial institution providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender and/or financial institution provider. Contact Engine by MoneyLion / Fiona, the third- party lender and/or financial institution provider directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep Engine by MoneyLion / Fiona, third- party lenders and/or the financial institution providers informed of any change in your electronic address or mailing address. You may update such information by logging into Engine by MoneyLion / Fiona, the third- party lender’s and/or the financial institution provider’s website or by sending Engine by MoneyLion / Fiona, the lender and/or the financial institution provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER AND/OR FINANCIAL INSTITUTION PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD- PARTY LENDERS AND/OR FINANCIAL INSTITUTION PROVIDERS OVER THE INTERNET.

Licenses and Disclosures

Engine by MoneyLion (“Engine”, “we”, “us”, “our”) is not a lender and we do not offer financial products directly. Engine by MoneyLion does not represent the Financial Institution Providers on our platform other than as a referral source and we do not endorse or recommend particular Financial Institution Providers or products. Engine by MoneyLion does not accept applications, make credit decisions, or guarantee a particular result from a financial product offer request. Any Financial Institution Provider will require you to submit an application to them for their consideration before extending a firm offer of credit.

We do not issue loan approvals, loan commitments, or make any guarantees on behalf of any Financial Institution Provider and all rates, fees, and terms are presented without guarantee. Rates, fees and terms are subject to change pursuant to each Financial Institution Provider’s discretion and may not be available in all states or for all types of financial products. You may receive loan offers that vary in amount from what you requested. We may also show offers for financial products that vary from the type you requested, such as debt relief, debt settlement, credit repair or credit monitoring. Financial Institution Providers’ privacy policies and/or security practices may differ from those of Engine by MoneyLion.

We do not connect you with every Financial Institution Provider in the market, so other Financial Institutions and financial products not listed on our platform may be available to you, subject to different terms and conditions, including lower rates. We cannot guarantee the lowest price or best terms available in the market. Your personal financial situation is unique, and it is your responsibility to evaluate the information and content provided, before making any financial decisions.

We support the principles of the federal Equal Credit Opportunity Act (the “ECOA”). We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant's income derives from a public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Similarly, we are committed to compliance with any applicable state and local anti-discrimination laws.

We do not enter into loan brokerage contracts with consumers, but some states require us to be licensed as a consumer loan broker or have a similar license in place. The states listed below are states where we provide services that require licensing and disclosure of licensing information.

NMLS #1475872

Alabama

Alabama Consumer Credit License No. MC22592.

California

Department of Financial Protection & Innovation, Financing Law License No. 60DBO-92377.

Connecticut

Connecticut Mortgage Broker License No. MB-1475872

This license covers consumer loan brokering activities. ML Enterprise, Inc. is licensed by the Commissioner of Banking, 260 Constitution Plaza, Hartford, Connecticut 06130.

Maine

Maine Loan Broker License No. 1475872.

As required by Maine law, ML Enterprise, Inc. has secured a bond by Hartford Fire Insurance Company, a surety authorized to do business in Maine.

Maryland

Maryland Credit Services Business License No. 28-82.

You have a right to review any file maintained on you by any consumer reporting agency, and the right to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681g) and under Md. Commercial Law § 14-1206.

A copy of the consumer report containing all information in your file will be furnished free of charge by the consumer reporting agency upon your request within 60 days of receiving a notice of a denial of credit as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681j) and Md. Commercial Law § 14-1209.

In addition, nationwide consumer reporting agencies, such as Equifax, Experian, and TransUnion, are required to provide you with a free copy of your credit report, at your request, once every 12 months. A nominal charge not to exceed $12 may be imposed on you by the consumer reporting agency for a copy of the consumer report containing all the information in your file, if you have not been denied credit within 60 days from the receipt of your request and you have already obtained your free annual copies.

You have a right to dispute the completeness or accuracy of any item on the consumer report in any file that is maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681i) and Md. Commercial Law § 14-1208.

The services to be provided to you by ML Enterprise, Inc. may include (i) taking information from you; and (ii) transmitting your information to potential lenders and transmitting loan information back to you. These services will be provided to you at no cost.

Accurately reported information may not be permanently removed from the file of a consumer reporting agency.

You have a right to file a complaint pursuant to Md. Commercial Law § 14-1911. Such complaints may be filed with the Commissioner of Financial Regulation, Attn: Consumer Services Unit, at the following address: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202.

ML Enterprise, Inc. has secured a bond by Hartford Fire Insurance Company, a surety authorized to do business in Maryland. You have the right to proceed against the bond under the circumstances and in the manner set forth in Md. Commercial Law § 14-1910.

New Hampshire

New Hampshire Small Loan License No. 22705-SM.

You or your attorney may file a complaint related to this service with the New Hampshire Bank Commissioner.

New Jersey

New Jersey Consumer Lender Corporation License No. 1602144.

ML Enterprise, Inc., 30 West 21st Street, 10th Floor, New York, NY 10010.

Licensed by the N.J. Department of Banking and Insurance Licensing Services Bureau-Banking

North Carolina

North Carolina Loan Broker Registration No. 1745128

As required by North Carolina law, ML Enterprise, Inc. has secured a bond by Hartford Fire Insurance Company, a surety authorized to do business in North Carolina.

North Dakota

North Dakota Money Broker License No. MB103130.

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

Oregon

Oregon Consumer Finance License No. 0445-001-C.

ML Enterprise, Inc. is subject to the regulations and oversight of the Division of Financial Regulation of the Department of Consumer and Business Services. Consumers’ inquiries or complaints may be made by calling (800) 410-1488.

Pennsylvania

Pennsylvania Credit Services License 54115.

By using our services, you provide your acknowledgement, in equal force and effect as your personally signed signature, of your receipt of this information and the following disclosures below:

You have the right to review and receive a copy of any file on you maintained by any consumer credit reporting agency to be furnished by that consumer credit reporting agency. The nationwide consumer credit reporting agencies, such as Equifax, Experian, and TransUnion, are required to provide you with a free copy of your credit report, at your request, once every 12 months. If you have already obtained your free annual copies, then a copy of the file should cost you not more than $12 or will be provided free of charge by the consumer credit reporting agency to you after written request within 60 days of your receiving a denial of credit.

You have the right to dispute the completeness or accuracy of any item contained in any file on you maintained by a consumer credit reporting agency.

Our services are designed to provide prospective borrowers with information about loan products, lenders, and/or service providers through our content and tools. We provide such information, content, and tools as part of our services, but we are not a lender ourselves. Any loan or related transaction to which you become a party through ourservices is solely transacted between you and the applicable lender and/or service provider and is not a part of our services. We also provide lenders and/or service providers with information about prospective borrowers, as described in our Privacy Policy. We do not charge consumers for the information we provide, but lenders or service providers may charge you fees for their products and services.

Rhode Island

Rhode Island Loan Broker License No. 20193729LB.

Texas

Texas Regulated Lender License No. 161715.

ML Enterprise, Inc., 30 West 21st Street, 10th Floor, New York, NY 10010.

Utah

Utah-DFI Commercial Financing Registration.

West Virginia

West Virginia Credit Services Organization Registration No. 9ABUQ.

• Our services are designed to provide prospective borrowers with information about loan products, lenders, and/or service providers through our content and tools. We provide such information, content, and tools as part of our services, but we are not a lender ourselves. Any loan or related transaction to which you become a party through ourservices is solely transacted between you and the applicable lender and/or service provider and is not a part of our services. We also provide lenders and/or service providers with information about prospective borrowers, as described in our Privacy Policy. We do not charge consumers for the information we provide, but lenders or service providers may charge you fees for their products and services

• You have a right to review any file maintained on you by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)

• Your file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of the receipt of notice that credit has been denied, and your file is available for a minimal reporting charge at any other time.

• You have a right to dispute directly with your consumer reporting agency the completeness of accuracy of any item contained in a file on you maintained by that consumer reporting agency.

• ACCURATE INFORMATION CANNOT BE PERMANENTLY REMOVED FROM THE FILES OF A CONSUMER REPORTING AGENCY.

• No consumer reporting agency may make any consumer report containing any adverse item of information dating from more than seven (7) years before the report.

• Non-profit organizations which provide credit and debt counseling services are available. The WV Association of Consumer Credit Counseling Services (call 1-800-869-7758) or the National Foundation for Consumer Credit (call 1-800-388-2227) will connect you to a local organization, or check your yellow pages under “Credit Counseling Services” to find a non-profit service.

• By agreeing to Engine’s Terms of Service, you hereby acknowledge that you have received a copy of this statement for your own records and understand that an exact copy of this statement will be maintained on file by Engine.

Wisconsin

Wisconsin Consumer Act Registration No. [Index 52923]

• You have the right to review any file on you maintained by a consumer reporting agency (i.e., credit bureau). You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months. You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. You also have the right to obtain a copy of your file free-of-charge from the consumer reporting agency if you request the free copy within sixty days after you receive a notice of a denial of credit.
• You have the right to dispute the completeness or accuracy of any item contained in any file on you maintained by a consumer reporting agency.
• Our services are designed to provide prospective borrowers with information about loan products, lenders, and/or service providers through our content and tools. We provide such information, content, and tools as part of our services, but we are not a lender ourselves. Any loan or related transaction to which you become a party through ourservices is solely transacted between you and the applicable lender and/or service provider and is not a part of our services. We also provide lenders and/or service providers with information about prospective borrowers, as described in our Privacy Policy. We do not charge consumers for the information we provide, but lenders or service providers may charge you fees for their products and services.
• Such a person may also file a complaint against Engine with the Department of Financial Institutions.

By agreeing to Engine’s Terms of Service, you hereby acknowledge that you have received a copy of this statement for your records.

NMLS #1475872 (see the NMLS consumer access page).

ML Enterprise Inc. 30 West 21st St, 10th Floor, New York, NY 10010-3534 [(800) 410-1488]

2023 ML Enterprise Inc. All rights reserved.

NOTICE TO CONSUMER

Mortgage Loan Broker and Originator Licensing

Date Last Updated: 9/5/2023

ML Enterprise Inc. (“we”, “us”, or “Engine by MoneyLion”, "Engine") is a Delaware corporation, incorporated in 2014, with its corporate headquarters and principal office located at the address set forth below. You can reach us by phone at the number set forth below.

For licensing information, go to: www.nmlsconsumeraccess.org.

This Notice serves as a disclosure statement, notice, contract, and/or agreement, as required by the laws of the corresponding state listed below. This Notice also identifies the nature of our relationship with you, describes the services we provide and duties we owe to you, and explains how we will be compensated.

IT IS IMPORTANT THAT YOU READ THIS NOTICE CAREFULLY SO THAT YOU CAN MAKE AN INFORMED CHOICE AND RETAIN A COPY OF IT FOR YOUR RECORDS. Your use of our services constitutes your signed acknowledgement that you have received, read, understood, consented, and agreed to the terms of this Notice. However, accepting the terms of this Notice does not obligate you to obtain a mortgage loan through us, nor does it constitute mortgage loan approval. You further acknowledge that you are entitled to a copy of this Notice and agree to retain a copy for your records.

I. Nature of Relationship

We operate an online platform that provides a loan matching service and offers information about loans and other financial products and services to consumers. We are not a lender or correspondent lender. We do not make mortgage loans or commitments or take applications and cannot guarantee acceptance into any particular loan program by any Lender, or specific loan terms or conditions. We are an independent contractor and do not act as an agent or advisor to you or any financial service provider. We enter into mortgage loan brokerage contracts with consumers only to the extent required by state law. Any loan may be co-brokered but not in South Carolina. This Notice does not create an exclusive relationship and remains in effect only as long as you seek to use our services. You may discontinue this relationship at any time, without notice, at no cost or penalty to you.

II. Services and Duties

In order to operate our online platform and loan matching service in compliance with law, we are required to be licensed in some states as a mortgage loan broker and/or mortgage loan originator. However, we do not act as a lender or credit provider. We do not take applications, make loans or credit decisions in connection with loans, issue commitments or lock-in agreements, or fund loans. Our services are purely administrative. You are not required to use our computerized loan matching services in order to obtain a residential mortgage loan.

We will perform the following services for you: (1) make loan request forms available to you; (2) transmit your completed loan request to participating lenders in our network; (3) offer you access to general educational information concerning home financing including glossaries, articles, and calculators; and (4) send you the initial loan offers from lenders responding to your loan request.

Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with prospective third-party lenders to receive conditional loan offers from those lenders. Any lender will require you to submit a loan application to them for their consideration before extending an offer. One or more lenders may provide you with their loan product offers.

We do not issue loan approvals, loan commitments, or make any guarantees on behalf of any lender. We do not connect you with every lender in the market, so other lenders and loans not listed on our service may be available to you, and those other loans may have different terms and conditions, including lower rates. We cannot guarantee the lowest price or best terms available in the market. We do not endorse or recommend particular lenders or products. Your personal financial situation is unique, and it is your responsibility to evaluate the information and content provided, before making any financial decisions. You should rely on your own judgment in deciding which available loan product, terms, and lender best suits your needs and financial means or consider obtaining additional information and/or advice from a qualified financial advisor who is fully aware of your individual circumstances.

The lenders are solely responsible for their services to you, and you agree that we will not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that lenders may keep your loan request information and any other information provided by us or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or obtain a loan from them. You agree to notify any particular lender directly if you no longer want to receive communications.

III. Compensation and Fees

We provide our services at no cost to you and will not charge or seek fees of any kind from you. We may, however, receive compensation from lenders in different amounts for different products or services, ranging from $1.00 TO $1,000,000.00 and may be paid based on the goods, facilities, or services performed or provided by us to lenders. We will be compensated in compliance with Section 1026.36(d) of Regulation Z (12 CFR 1026.36(d)) (as applicable). The lenders or other service providers may charge you fees in connection with the loans or other products they offer. The amount of any fee will be determined by the lender.

If your loan request is forwarded to a prospective lender that makes you an offer, you should receive from the lender a disclosure, sometimes referred to as a good faith estimate (GFE) of the settlement costs of your loan, and now generally referred to as a Loan Estimate form as required by the TILA-RESPA Integrated Disclosure Act. The disclosure sets forth the various loan terms and costs involved, such as a credit report fee, property appraisal fee, or other third-party fees in connection with your loan.

The interest rate quoted in connection with the loan you select is subject to change without notice, unless and until an interest rate lock-in agreement has been entered into between you and the lender. We do not offer interest rate lock-in agreements and do not guarantee any interest rate quoted by a participating lender. If you enter a lock-in agreement with the lender and are required to pay an interest rate lock-in fee, the terms and conditions under which the interest rate lock-in fee may be refunded, if any, will be set by the lender. The documentation you receive will include the information or terms and conditions on the refundability of any fees paid. We do not offer or provide any refund on behalf of any lender.

IV. Fair Lending Compliance

We support the principles of the federal Equal Credit Opportunity Act (the “ECOA”). We do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), the fact that all or part of the applicant's income derives from a public assistance program, or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Similarly, we are committed to compliance with any applicable state and local anti-discrimination laws. Under the ECOA, you are entitled to receive a copy of any appraisal. The federal agency that administers our compliance with the ECOA is the Federal Trade Commission, Equal Credit Opportunity Act, Washington, DC 20580. An applicant, if married, may apply for a separate account / loan.

V. State Disclosures Not Already Provided Above

Alabama

Alabama Consumer Credit License No. 22592.

James Thomas Scelzo. Alabama Mortgage Loan Originator License No. 82600.

Alaska

Alaska Mortgage Broker/Lender License No. AK1475872.

James Thomas Scelzo. Alaska Mortgage Loan Originator License No. AK1288484.

Arizona

Arizona Mortgage Broker License No. 1007198.

James Thomas Scelzo. Arizona Loan Originator License No. 1020694.

Arkansas

Arkansas Mortgage Broker License No. 118770.

James Thomas Scelzo. Arkansas Mortgage Loan Officer License.

California

Licensed by the California Department of Financial Protection & Innovation, under the California Finance Lenders Law; License No. 60DBO92377.

James Thomas Scelzo. California Mortgage Loan Originator License No. CA-DFPI1288484.

THE HOUSING FINANCIAL DISCRIMINATION ACT OF 1977 FAIR LENDING NOTICE

IT IS ILLEGAL TO DISCRIMINATE IN THE PROVISION OF OR IN THE AVAILABILITY OF FINANCIAL ASSISTANCE BECAUSE OF THE CONSIDERATION OF:

• TRENDS, CHARACTERISTICS OR CONDITIONS IN THE NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION, UNLESS THE FINANCIAL INSTITUTION CAN DEMONSTRATE IN THE PARTICULAR CASE THAT SUCH CONSIDERATION IS REQUIRED TO AVOID AN UNSAFE AND UNSOUND BUSINESS PRACTICE; OR

• RACE, COLOR, RELIGION, SEX, MARITAL STATUS, NATIONAL ORIGIN OR ANCESTRY.

IT IS ILLEGAL TO CONSIDER THE RACIAL, ETHNIC, RELIGIOUS OR NATIONAL ORIGIN COMPOSITION OF A NEIGHBORHOOD OR GEOGRAPHIC AREA SURROUNDING A HOUSING ACCOMMODATION OR WHETHER OR NOT SUCH COMPOSITION IS UNDERGOING CHANGE, OR IS EXPECTED TO UNDERGO CHANGE, IN APPRAISING A HOUSING ACCOMMODATION OR IN DETERMINING WHETHER OR NOT, OR UNDER WHAT TERMS AND CONDITIONS, TO PROVIDE FINANCIAL ASSISTANCE.

THESE PROVISIONS GOVERN FINANCIAL ASSISTANCE FOR THE PURPOSE OF THE PURCHASE, CONSTRUCTION, REHABILITATION OR REFINANCING OF ONE- TO FOUR-UNIT FAMILY RESIDENCES OCCUPIED BY THE OWNER AND FOR THE PURPOSE OF THE HOME IMPROVEMENT OF ANY ONE- TO FOUR-UNIT FAMILY RESIDENCE.

IF YOU HAVE QUESTIONS ABOUT YOUR RIGHTS, OR IF YOU WISH TO FILE A COMPLAINT, CONTACT THE MANAGEMENT OF THIS FINANCIAL INSTITUTION OR:

Department of Financial Protection & Innovation:

2101 Arena Boulevard Sacramento, CA 95834 Phone: (916) 327-7585

One Sansome Street, Suite 600 San Francisco, CA 94104-4428 Phone: (415) 972-8565

300 S. Spring Street, Suite 15513 Los Angeles, CA 90013-1259 Phone: (213) 897-2085

1455 Frazee Road Suite 315 San Diego, CA 92108 Phone: (619) 610-2093

Toll-Free Phone (all locations): (866) 275-2677

Website: https://www.dbo.ca.gov

Finance Lenders, Residential Mortgage Lenders – Division of Corporations 320 West 4th Street, Suite 750 Los Angeles, CA 90013-2344 Phone: (213) 576-7500

Colorado

Colorado Mortgage Company Registration, Regulated by the Division of Real Estate.

James Thomas Scelzo. Colorado Mortgage Loan Originator License No. 100523456.

Connecticut

Connecticut Mortgage Broker License No. MB-1475872.

James Thomas Scelzo. Connecticut Mortgage Loan Originator License No. LO-1288484.

LEAD GENERATOR ONLY, NOT ACTING IN THE CAPACITY OF A MORTGAGE LOAN ORIGINATOR, MORTGAGE BROKER, MORTGAGE CORRESPONDENT LENDER OR MORTGAGE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR RESIDENTIAL MORTGAGE LOAN INQUIRY.

Delaware

Delaware Broker License No. 29721.

James Thomas Scelzo. Delaware Mortgage Loan Originator License No. MLO-1288484.

District of Columbia

District of Columbia Mortgage Broker License No. MLB1475872.

James Thomas Scelzo. District of Columbia Mortgage Loan Originator License No. MLO1288484.

Florida

Florida Mortgage Broker License No. MBR3273.

James Thomas Scelzo. Florida Mortgage Loan Originator License No. LO86451.

Georgia

Georgia Mortgage Broker/Processor License/Registration No. 67328.

James Thomas Scelzo. Georgia Mortgage Loan Originator License No. 1288484.

Idaho

Idaho Mortgage Broker/Lender License No. MBL-2081475872.

James Thomas Scelzo. Idaho Mortgage Loan Originator License No. MLO-2081288484.

Illinois

Illinois Residential Mortgage License No. [MB.6761480].

James Thomas Scelzo. Illinois Mortgage Loan Originator License No. 031.0069648.

Illinois Department of Financial and Professional Regulation 100 West Randolph, 9th Floor Chicago, IL 60601 or 320 West Washington Street, 3rd Floor Springfield, IL 62786 All Inquiries: 1-888-473-4858 Professional Licensing: 1-800-560-6420 TDD Line: 1-866-325-4949

Indiana

Indiana-SOS Loan Broker License No. 1475872.

James Thomas Scelzo. Indiana-SOS Principal Manager License No. 1288484.

Iowa

Iowa Mortgage Broker License No. 2020-0022.

James Thomas Scelzo. Iowa Mortgage Loan Originator License No. 46367.

Kansas

Kansas Mortgage Company License No. MC.0025626.

James Thomas Scelzo. Kansas Mortgage Loan Originator License No. LO.0045379.

ML Enterprise Inc. is a mortgage business licensed with the Kansas Office of the State Bank Commissioner in accordance with the laws of the state of Kansas. This license does not represent an endorsement or recommendation of the licensee’s products or services by the Office of the State Bank Commissioner. As a consumer, you may submit a complaint or inquiry about this mortgage business by delivering a written statement to the Office of the State Bank Commissioner, 700 Jackson, Suite 300, Topeka, KS 66603.

Kentucky

Kentucky Mortgage Broker License No. MB713792.

James Thomas Scelzo. Kentucky Loan Originator License No. MC763662.

Louisiana

Louisiana Residential Mortgage Lending License.

James Thomas Scelzo. Louisiana Mortgage Originator License.

Mortgage Loan Origination Agreement

See above.

Maine

Maine Loan Broker License No. 1475872.

James Thomas Scelzo. Maine Mortgage Loan Originator License.

NOTICE TO CONSUMER: Do not sign this agreement before you read it. You are entitled to a copy of this agreement.

Maine law requires that the disclosures below be provided to consumers before any contract is signed with, and before any money is paid to, a loan broker or to third parties.

• Written Agreement or Contract. The agreement between you and our company must be in writing, signed, and must contain the following details: a complete description of services to be performed; complete details of payment; any guarantees; the time frame encompassed by the contract; a description of any offers of full or partial refund; and a notice informing you of the importance of reading the contract and of retaining a copy for your records.

• Escrowing of Consumer Funds. Funds paid by you in advance must be deposited in an escrow account until services are completed. The only exceptions are fees paid to 3rd parties for the actual costs of the following items or services: credit reporting, appraisals, investigation reports, title examinations or property surveys.

• Consumer Protection Bond. A $25,000 consumer protection bond is on file with the State of Maine. If you have a claim against our company that cannot be resolved through informal means, you may institute an action to recover your loss from that bond by filing a written complaint with the Superintendent, Bureau of Consumer Credit Protection, 35 State House Station, Augusta, Maine 04333-0035.

Michigan

Michigan 1st Mortgage Broker License No. FL0022472.

Michigan 2nd Mortgage Broker Registrant No. SR0022473.

James Thomas Scelzo. Michigan Mortgage Loan Originator License No. 1288484.

Minnesota

Minnesota Residential Mortgage Originator License No. MN-MO-1475872.

James Thomas Scelzo. Minnesota Mortgage Loan Originator License No. MN-MLO-1288484.

ML ENTERPRISE INC. IS NOT ACTING AS YOUR AGENT IN CONNECTION WITH OBTAINING A RESIDENTIAL MORTGAGE LOAN. WHILE ML ENTERPRISE INC. WILL SEEK TO ASSIST YOU IN MEETING YOUR FINANCIAL NEEDS, WE CANNOT GUARANTEE THE LOWEST OR BEST TERMS AVAILABLE IN THE MARKET.

The information on this website, including any loan terms or conditions, may not be considered by any person to be an offer or inducement to enter into an agreement or rate lock-in agreement under Minnesota law.

Mississippi

Licensed by the Mississippi Department of Banking and Consumer Finance.

Mississippi Mortgage Broker License No. 1475872.

James Thomas Scelzo. Mississippi Mortgage Loan Originator License No. 1288484.

As required by Mississippi law, ML Enterprise Inc. has secured a bond issued by Aon, a surety company authorized to do business in this state. A certified copy of this bond is filed with the Mississippi Commissioner of Banking and Consumer Finance.

As a borrower you are protected under the Mississippi S.A.F.E. Mortgage Act.

Complaints against a licensee may be made by contacting the: Mississippi Department of Banking and Consumer Finance P.O. Drawer 12129 Jackson, MS 39236-2129

Missouri

Missouri Mortgage Company License No. 21-2494.

James Thomas Scelzo. Missouri Mortgage Loan Originator License No. 1288484.

Montana

Montana Mortgage Broker License No. 1475872.

James Thomas Scelzo. Montana Mortgage Loan Originator License No. 1288484.

Nebraska

Nebraska Mortgage Banker License.

James Thomas Scelzo. Nebraska Mortgage Loan Originator License.

New Jersey

New Jersey Residential Mortgage Broker License No. 1475872.

James Thomas Scelzo. New Jersey Qualified Individual License.

Neither ML Enterprise Inc. nor James Thomas Scelzo will make any mortgage loan commitments or fund any mortgage loans.

Licensed by the N.J. Department of Banking and Insurance.

New Mexico

New Mexico Mortgage Loan Company License.

James Thomas Scelzo. New Mexico Mortgage Loan Originator License.

North Carolina

North Carolina Mortgage Broker License No. B-186864.

James Thomas Scelzo. North Carolina Mortgage Loan Originator License No. I-198835.

North Dakota

North Dakota Money Broker License No. MB103130.

James Thomas Scelzo. North Dakota Mortgage Loan Originator License No. NDMLO1288484.

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER'S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

If your loan request is forwarded to one or more participating Lenders, you will receive from the Lenders detailed information about your loan, including the loan amount, interest rate, points, fees and other terms.

Ohio

Ohio Residential Mortgage Lending Act Certificate of Registration No. RM.804543.000.

James Thomas Scelzo. Ohio Mortgage Loan Originator License No. MLO-OH.1288484.

Oklahoma

Oklahoma Mortgage Broker License No. MB014890.

James Thomas Scelzo. Oklahoma Mortgage Loan Originator License No. MLO26521.

Oregon

Oregon Mortgage Lending License No. 1475872.

James Thomas Scelzo. Oregon Mortgage Loan Originator License.

Pennsylvania

Pennsylvania Mortgage Broker License No. 77497.

James Thomas Scelzo. Pennsylvania Mortgage Originator License No. 81515.

VARIABLE INTEREST RATE DISCLOSURE

On residential mortgage loans of $50,000 or less, if a lender offers to give you a mortgage with a variable interest rate, you are entitled by law to also be offered a mortgage with an interest rate that will not change. By law, this fixed interest rate mortgage must be offered to you at reasonably competitive terms and rate. On variable interest loans, a lender will explain to you how the interest rate can change in the future, the effect of changes in the index on the rate and term, and an explanation of the index.

Rhode Island

Rhode Island Loan Broker License No. 20193729LB.

James Thomas Scelzo. Rhode Island Mortgage Loan Originator License.

South Carolina

South Carolina Mortgage Broker License.

James Thomas Scelzo. South Carolina Mortgage Broker Loan Originator License.

The S.C. Department of Consumer Affairs is designated to receive complaints or inquiries about the origination and brokering of your mortgage. You may make a complaint to the agency by mail, telephone, or online.

Address: S.C. Department of Consumer Affairs 293 Greystone Boulevard, Suite 400 Columbia, S.C. 29210

Mailing Address:
S.C. Department of Consumer Affairs P.O. Box 5757 Columbia, S.C. 29250

Phone Number: (803) 734-4200 or (800) 922-1594, Toll-Free in S.C.

Website: https://www.consumer.sc.gov

BORROWERS RIGHTS

This may be the largest and most important loan you get during your lifetime. You should be aware of certain rights before you enter into any loan agreement.

• You have the RIGHT to shop for the best loan for you and compare the charges of different mortgage brokers and lenders.
• You have the RIGHT to be informed about the total cost of your loan including the interest rate, points, and other fees.
• You have the RIGHT to receive a Loan Estimate, containing all loan and settlement charges, before you agree to the loan and pay any fees.
• You have the RIGHT to know what fees are not refundable if you decide to cancel the loan agreement.
• You have the RIGHT to ask your mortgage broker to explain exactly what the mortgage broker will do for you.
• You have the RIGHT to know how much the mortgage broker is getting paid by you and the lender for your loan.
• You have the RIGHT to ask questions about charges and loan terms that you do not understand.
• You have the RIGHT to a credit decision that is not based on your race, color, religion, national origin, sex, marital status, age, or whether any income is from public assistance.
• You have the RIGHT to know the reason if your loan was turned down.
• You have the RIGHT to ask for the HUD Settlement Cost Booklet, Shopping for Your Home Loan.
• You have the RIGHT to receive a copy of the Closing Disclosure three (3) business days prior to your loan closing.

Shopping for Your Home Loan and other helpful information is available at HUD’s website:

https://www.hud.gov/sites/documents/HUD_SETTLE_COST.PDF

For other questions call (202) 708-1112

South Dakota

South Dakota Mortgage Brokerage License No. MB.00066.

James Thomas Scelzo. South Dakota Mortgage Loan Originator License No. 1288484.MLO.

Tennessee

Tennessee Mortgage License No. 202661.

James Thomas Scelzo. Tennessee Mortgage Loan Originator License No. 242109.

Texas

James Thomas Scelzo. Texas – SML Mortgage Loan Originator.

ML Enterprise Inc. Texas – SML Mortgage Company License.

3333 Lee Parkway, Suite 600 Dallas, TX 75219

TEXAS MORTGAGE COMPANY DISCLOSURE

Residential Mortgage Loan Originator: James Thomas Scelzo NMLS ID: 1288484

This disclosure is required under Texas law. References to “we” or “us” refer both to Mr. James Thomas Scelzo and ML Enterprise Inc.

We will submit your loan request to a participating lender with whom we may contract from time to time upon such terms as you may request or a Lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent.

We will be compensated in compliance with Section 1026.36(d) of Regulation Z (12 CFR 1026.36(d)) (if applicable). We will not charge you a fee to use our services. We receive compensation from the Lender for the goods, facilities, and services actually provided by us.

Pursuant to Sections 156.004(b) and 156.102 of the Residential Mortgage Loan Company Licensing and Registration Act, Chapter 156, Texas Finance Code, you are hereby notified of the following:

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Washington

Washington Mortgage Broker License No. MB-1475872.

James Thomas Scelzo. Washington Designated Broker Registration.

If a lender is licensed under the Washington Broker Practices Act, any fees paid by you for third-party services, such as an appraisal or credit report, may be held in a trust account, and any such monies remaining after the payment to third-party service providers will be refunded to you. If you are unable to obtain a loan for any reason and you have paid for an appraisal, title report, or credit report in full in connection to a loan made with a lender licensed under the Washington Mortgage Broker Practices Act, the lender shall give you a copy of any such document, and will transmit the originals to any other mortgage broker or lender at your direction within five (5) days of your written request.

Washington prohibits discrimination in credit transactions on the basis of race, creed, color, national origin, sex, marital status, honorably discharged veteran or military status, sexual orientation, or the presence of any sensory, mental, or physical disability. The Washington State Human Rights Commission administers compliance with this law.

West Virginia

West Virginia Mortgage Broker License No. MB-1475872.

James Thomas Scelzo. West Virginia Mortgage Loan Originator License No. LO-1288484.

Wisconsin

Wisconsin Mortgage Broker License No. 1475872BR.

James Thomas Scelzo. Wisconsin Mortgage Loan Originator License No. 1288484.

Wisconsin’s disclosure and agreement, represented by this webpage, is required pursuant to s. 224.79, Wisconsin Statutes.

Wyoming

Wyoming Mortgage Broker License No. 4686.

James Thomas Scelzo. Wyoming Mortgage Loan Originator License No. 103801.

Partial list of Lenders and/or Service Providers

The Engine by MoneyLion network includes the following lenders and lending partners, who may contact you via telephone or email.

• 1st Heritage
• 360 Mortgage Lending Group LLC
• 60 Month Loans
• Accredited Debt Relief
• Achieve
• AdvanceAmerica
• Affinity Mortgage
• AMEC
• American Bank Mortgage Group
• American Debt Solutions
• American Dream Mortgage
• American Equity Mortgage, Inc.
• American Financial Resources, Inc.
• American Lending (Corporate)
• American Mortgage and Equity Consultants, Inc.
• American Pacific Mortgage
• American Preferred Lending
• Americash
• AmeriFund Funding Corporation
• AmeriPro Funding, Inc.
• Amerisave Mortgage Corporation
• Amerisave Mortgage Corporation - Non-Purchase
• AMIC Advance Mortgage & Investment Co.
• Applied Bank
• Approval Plus Mortgage Services
• Arbor Mortgage Corporation
• Arcstone Financial
• Arizona State Credit Union
• Aspiration
• Assurance Financial Group (Chris Payton)
• Atlantic Bay Mortgage (NC Branch)
• Atlantic Bay Mortgage (Virginia Branch)
• AutoPay
• Avant Inc.
• Avio Credit (Curo Financial)
• Axos Bank
• Bankers Mortgage Corporation
• Barrington Bank
• Bay Equity (Rich Wilde)
• Bay Equity, LLC
• Best Egg
• Beyond Finance dba Accredited Debt Relief
• Blue Sky
• BNC National Bank
• Bondcorp Realty Services Inc.
• Brazos National Bank
• Brazos National Bank (John Davis)
• Brickwood Mortgage Inc.
• Bridgeview Bank Mortgage Company
• Bridgeview Bank Mortgage Company (Laguna Hills)
• Bridgeview Bank Mortgage Company (Todd Jones)
• Bridgeview Bank Mortgage Company (TX Branch)
• Broadsurf, LLC
• Bulldog Applied Bank Secured Visa Gold Preferred Credit Card
• Bulldog Media
• C & R Mortgage
• Capital Bank
• CapWest Mortgage Corp
• Cardinal Financial
• Cardinal Financial (Charlotte)
• Cardinal Financial (Marc Melvin)
• Caribou
• Cartus
• Carvana
• Cash By Phone, LLC
• CC Connect
• CCFlow
• CDH Association (Credit Debt Health)
• Celtic Bank
• Century Support Services
• Certified Funding Capital Corporation
• CircleBack Lending
• Clear Coast Debt Relief
• ClearOne Advantage, LLC
• Close Your Own Loan.com
• Commonbond
• Community Federal Savings Bank (CFSB)
• Community Home Lending, Inc
• Connect Media Ventures
• Consolidated Credit
• Consumer Debt Help Association
• Consumers Alliance Processing Corporation
• Countrywide Debt Relief
• Credi Mac
• Credible
• Credimac
• Credit Fresh
• Credit Ninja
• Credit One
• Credit Saint
• Credit Strong
• Credit.com
• CreditAssociates
• CreditAssociates, LLC
• CreditFresh
• Cross Country Mortgage
• Cura Debt
• DAS Acquisition Company LLC
• Debt Advisor, LLC
• Debt Client Services
• Debt Consolidation
• Debt Help
• Debt Settlement Companies
• Debt Solution One
• Debt Vantage
• Debt.com
• DebtAway
• DebtAway Relief
• DebtMerica
• Deserve
• DHA Financial, Inc.
• Discountloans.com
• Discover Home Loans
• Ditech Mortgage Corp (CA Branch)
• Ditech Mortgage Corp (CA Branch)_exclusive
• Ditech.com
• DLJ Financial
• DMB Financial
• Dominion Capital Mortgage Inc.
• Eagle Home Mortgage
• Earnest
• Efast Funding (Amcap)
• Elevate
• eMoneyUSA Holdings
• Empower.me
• Encompass Lending Group
• ENG Lending (CA Branch)
• ENG Lending (KS Branch)
• ENG Lending (NV Branch)
• ENG Lending a division of Bank of England
• Enterprise Bank
• Envoy Mortgage Ltd.
• EPCVIP
• Even Financial
• EverBank
• Experian
• Experian Boost
• Fair Square Financial
• Fairview Mortgage Corp.
• Federated Mortgage Corp.
• FigLoans
• Finance of America Mortgage
• FinanceMyHome.com
• Financial Integrity Group
• First American Wholesale Lending
• First Chance Mortgage Inc.
• First Choice Bank (KS Branch)
• First Choice Lending Services, LLC
• First Choice Management LLC
• First Direct Lending, LLC
• First Federal Bank
• First Financial Services, Inc.
• First Premier Credit
• Flywheel Networks, Inc. (AgentMachine)
• Fortren Funding, LLC
• Forward Leap
• Freedom Debt Relief
• Freedom Mortgage Corporation
• Freedom Plus
• FreedomPlus
• Frontline Financial
• Funding Metrics, LLC (BizLender)
• Gateway Mortgage Group, LLC
• Geneva Financial, LLC
• Georgetown Mortgage
• GetBoro
• Giggle Finance
• Go Ace Group
• GoldStar Mortgage Banking Group (Corporate)
• GoodMortgage.com
• Grand Bank, N.A.
• Grandmark Mortgage (Brook Ballweg)
• Great Western Financial Services
• Greenlink Financial
• Greentree Mortgage Company
• Greenwise Financial Solutions
• Griffin Funding, Inc
• Guaranteed Rate Inc.
• Guardian Debt Relief
• Guardian Mortgage Direct
• Heartland Home Mortgage
• Heritage Mortgage Banking
• Hippo Financial
• Home Options, Inc.
• HomePlus Mortgage
• Homeside Lending (Homeside Financial, Inc.)
• Homesite Mortgage
• Howard Bank
• Hunter Financial Group, LLC
• iFreedom Direct
• iFreedom Direct_Shared
• Iman B. Haddad
• Integra
• Integrity Home Loan of Central Florida, Inc
• Integrity Mortgage Group
• Integrity Mortgage Group (Cathy Conrad)
• Integrity Mortgage Group (Craig Sjodin)
• Intuitive Home Loans
• Iron Harbor Mortgage, LLC
• iServe Residential Lending
• Jasper
• Keystone Mortgage
• Kiel
• KingofKash
• Lakeview Mortgage
• Landmark Management Group
• LeadQual (LQ Digital)
• LEADQUAL, LLC d/b/a LQ Digital
• LeadsMarket
• LeadZoom
• Legal Brand Marketing
• Lend Smart Mortgage, LLC
• LenderFI, Inc.
• Lending Tree
• LendingClub
• LendingPoint
• LendingUSA
• LendKey
• Lendmark Financial
• Lexington Law
• Liberty Lending Consultants
• Liberty Lending Group
• Lighthouse Finance Solutions
• Lightstream
• Loan Exchange
• Loan Me
• Loanbright.com
• loanDepot.com
• LoanMart
• Loanry
• LSI Mortgage Plus
• M & M Mortgage, LLC
• M Mark High
• Mann Mortgage, LLC
• Market Share Direct LLC
• Masterman Roche, Inc. (The Huntington Group)
• Merrick Bank
• Michigan Mutual (MO Branch)
• Mid-Island Mortgage Corp.
• Millenium Home Mortgage, LLC
• MKII
• Modaramo
• Money Key
• MoneyBloom LLC
• MoneyKey
• MoneyLion, Inc.
• Morena Global Inc.
• Mortgage Lenders of America, LLC
• Mount Olympus Mortgage Company
• National Debt Relief
• National Home Finance
• National Settlement Services
• Nationstar Mortgage (Greenlight Loans)
• NetCredit
• NetDebt LLC
• Network Capital Funding Corp.
• Network Funding LP
• Network Funding LP (Jesse Sadowski)
• New American Funding
• New Direction
• New Era Debt Solutions
• New Penn Financial, LLC
• NewLeaf
• NFC Mortgage Company, LLC
• Norcom Mortgage
• North American Financial Corp
• North American Savings Bank
• Oak View Law Group
• Oakstar Bank
• Offer Edge
• Omni-Fund Inc. (Dan Conley)
• On The Barrelhead
• One Loan Place
• One Main Financial
• OneMain
• Ooraa
• OppLoans
• Opportunity Financial
• Opportunity Loans
• Optimum First Mortgage, Inc.
• Pacific Debt
• Pacific Home Loans, Inc (Dean Lob)
• Pacific Home Loans, Inc.
• Pacific Union Financial, LLC
• Pacific Union Financial, LLC (Benjamin Balser)
• Paramount Equity Mortgage
• Pave
• Payment Debt Relief Inc
• PayOff
• Peachtree Debt Relief
• Penfed
• People''s Bank & Trust
• Peoples Home Equity (CA Branch)
• Peoples Home Equity (NV Branch)
• Peoples Home Equity, Inc
• Peoples Home Lending
• Peoples Home Lending (Jeff Neumer)
• Peoples Mortgage Company
• Performance Settlement LLC
• PERL Mortgage
• PersonalLoanPro
• Petal
• Phone Clients
• Pinnacle Capital Mortgage Corporation
• Pinnacle Mortgage Group, Inc
• Pinnacle Mortgage Group, Inc (Remote)
• Planet Home Lending
• Platinum Financial Funding
• Platinum Home Mortgage Corporation
• PMAC Lending Services, Inc.
• PMAC Lending Services, Inc. (Boca)
• PMAC Lending Services, Inc. (Southfield)
• Potomac Trust Mortgage Company
• Premier Debt Help
• Prime Home Loans, Inc
• Prime Lending - A Plains Capital Company
• Prime Mortgage Lending
• Prime Source Mortgage, Inc
• PrimeRates Holdings, LLC
• PrimeSource Mortgage, Inc
• PrimeSource Mortgage, Inc. (IA Branch)
• Proficio Mortgage Ventures
• Progrexion
• Prosper
• Providential Bancorp
• Pure Debt Solutions
• Quicken Loans
• QuinStreet
• QuinStreet Test Inc.
• Quote Velocity D/B/A Loan Review Team
• Rapid Advance
• RateGenius
• RateWinner, LLC
• Real Estate Mortgage Network (Erik Startzel)
• Redwood Growth Capital
• Refijet
• Regional Finance
• Reliance First Capital, LLC
• Reliant Bank
• Republic Finance
• Right Start Mortgage, Inc.
• RISE
• RMC Vanguard Mortgage Corporation
• RoundPoint Mortgage Company
• Royal United Mortgage, Inc
• Sanco (Loan Me)
• Search ROI, LLC
• Second Generation Mortgage Group, LLC
• Security America Mortgage
• Security America Mortgage_exclusive
• Security Finance
• Security Mortgage Lenders Inc.
• Settle Our Debt
• Shea Mortgage
• Signature Servicing
• Silver Fin Capital Group, LLC
• Silver Fin Capital Group, LLC_exclusive
• SmartMortgage.com
• SmartMortgage.com_exclusive
• SOFI
• SolveDebts
• Southwest Direct Mortgage LLC
• Southwest Funding CO
• Southwest Funding LP
• Speedy Cash
• Splash Financial
• Springleaf
• Square one Financial Group
• Start New Settlement
• Sterling National Mortgage Company
• Sterling Savings Bank
• Summit Mortgage Corporation (Scott Miller)
• Sutherland Mortgage Services, Inc.
• Swan Financial Corporation
• Synergy One Lending
• Target Audience Group
• Tally
• The Champion Bank
• The Credit Pros
• The Debt Management Group
• The Huntington National Bank
• The Lending Company (Mark Nickel)
• The Newfinity Group INC
• TIAA Direct
• Tidewater Home Mortgage Group Inc.
• TitleMax
• TJC Mortgage
• TMG
• TMX
• Top Flite Financial, Inc.
• TruHome Solutions
• Try My Solutions
• U.S. MortgageLine
• UFB Direct
• Ultra Mortgage
• Umbrella Debt Relief
• United Mortgage Corp. (Luis Khoury)
• United Pacific Mortgage
• Universal Credit
• Upgrade
• Upstart
• US Center for Debt Relief
• USAA
• Vanguard Funding
• Vantage Acceptance
• Vantage Point Bank
• Veritas Funding, LLC
• Veritas Funding, LLC (Patrick Mudgett)
• Veterans First Mortgage
• vLoan
• Volunteer Mortgage Inc.
• Vouch
• WCS Lending
• West Brand Marketing, LLC
• West Coast Funding
• WestStar Mortgage, Inc.
• Willamette Valley Bank
• Wintrust Mortgage
• World Finance
• Wyndham Capital Mortgage
• Yrefy
• Zable
• Zippy Loans

ML Enterprise Inc. Accessibility Statement

Engine by MoneyLion is committed to providing an inclusive and accessible experience to everyone, including those with disabilities, regardless of technology or ability. It is Engine by MoneyLion’s and our affiliates’ policy to ensure that persons with disabilities have full and equal opportunity to access and benefit from the services offered by Engine by MoneyLion and our affiliates through our websites. To fulfill this, Engine by MoneyLion has taken steps and is devoting resources to promote accessibility and we are continually improving our experience for everyone and aim to adhere to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines (the “Standards”). While these Standards may change and/or evolve over time, Engine by MoneyLion currently aimes to adhere to the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0 and 2.1 at Levels A, AA, and AAA (collectively referred to as “WCAG 2”).

We have engaged outside vendors and consultants for the purpose of enhancing our user experience in compliance with the Standards. Furthermore, our websites will continue to be assessed on a recurring basis from both an engineering and user-experience perspective.

This Statement and our policy are applicable only to our official web pages and any associated web-based applications. This policy does not apply to third-party web content or applications we link to.

If you experience any difficulty in accessing any part of this website, please feel free to call us at 1-800-410-1488, email us at [email protected]