California Consumer Privacy Notice

This Notice was last updated on August 8, 2024.

1. Introduction
LEAF Commercial Capital, Inc. is committed to protecting your privacy. This Privacy Notice (“Notice”) sets forth our current privacy practices with regard to the information we collect when you interact with us online.

2. Information We Collect
LEAF Commercial Capital, Inc. collects certain information from and about its customers and website users in three ways, as further described below – directly from you, web server logs, and cookies from our website. This website is directed to commercial customers and is not intended for use by consumers or those who seek to obtain products and/or services primarily for family or household purposes.

A) Information We Receive From You

• Information we receive from you on applications or other forms, including consumer reports you authorize us to obtain
• Information about your transactions with us
• Information you provide voluntarily, either by phone or in person, to our employees assisting with an issue
• Information you provide voluntarily online in response to a survey or information request
• This information may include information such as full name, social security number, date of birth, etc.

B) Web Server Logs
When you visit our website, we may track information to administer the site and analyze its usage. Examples of information we may track include the following types of information:

• Your Internet protocol address
• The kind of browser or computer you use
• Number of links you click within our website
• State or country from which you have accessed the website
• Date and time of your visit
• Name of your Internet service provider
• Webpage from which you linked to our website from
• Pages you viewed on our website

C) Use of Cookies
We or our third party service providers may use “cookies” to make your use of the website more convenient and to serve you with relevant online advertisements. A “cookie” is a small text file that is placed on your computer or mobile device by a webpage server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We allow our service providers to use tracking technologies, like cookies, to collect information during your use of our website. When you leave our website, the tracking technologies recognize the cookie placed on your computer or device and allow the third parties to deliver targeted advertisements of our products and services to you on various websites across the internet. The information collected by these technologies includes: websites visited, where and when people viewed our ads, and interactions (such as clicks) with an ad.

Our service providers or their respective third party providers may combine the information collected about you with contact and social information related to you that they collect from publicly available sources; and from third parties who license, sell or otherwise provide data they have collected.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser’s settings to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable functionality of certain websites including ours.

You can understand which third parties have currently enabled cookies for your browser or mobile device and how to opt out of some of those cookies by accessing http://www.networkadvertising.org/managing/opt_out.asp and http://www.aboutads.info/choices/ from your browser and from your mobile device. If you use multiple browsers or devices, you will need to opt out on each browser or device. Even if you opt out of targeted advertising you will continue to see advertising of a generic nature.

3. How We Use the Information Collected
We or our third party providers use the information collected from you in order to:

• Serve you with relevant online advertisements of our products and services
• Administer the website or provide our services
• Communicate with you to tell or ask you about our services or other services that we believe will be of interest to you
• Improve the website or services and your experience with them
• Authenticate users and prevent fraudulent use of login credentials
• Diagnose server and software errors, and in cases of abuse, track and mitigate the abuse
• Communicate with you with respect to our website maintenance issues
• Enforce this Notice, and any other terms that you have agreed to, including to protect the rights, property, or safety of LEAF Commercial Capital, Inc., its users, or any other person

4. Disclosure of Nonpublic Personal Information to Third Parties
We do not disclose any nonpublic personal information about you to anyone, except as permitted by law or as described below. Nonpublic personal information includes your name, address, social security number, or other information provided to us on an application, form or our website, as well as any account numbers, payment history, balances, or information from a consumer report that you authorize us to obtain. Without permission, we do not disclose to third parties information that we collect if it identifies you personally. However, we are permitted under law to disclose nonpublic personal information about you to other third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your account with us or to government entities in response to subpoenas. We also reserve the right to share aggregated website statistics with certain third-party companies. If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and practices described in this Notice.

5. Confidentiality and Security
We restrict access to nonpublic personal information about you to only those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

6. Your Choices With Respect to Your Information
You may opt out of receiving promotional email communications regarding our products and services by clicking the “unsubscribe” link provided with each email. We will continue to send you non-promotional notifications to the email address you provided.

If you would like to update or change any personal information you provided to us, please contact us at 800.540.9718. We retain your personal information until it is no longer necessary to accomplish the purpose for which it was provided. We may retain your information for longer periods to the extent that we are obliged to do so in accordance with applicable laws and regulations and/or we reasonably believe that retaining the information is necessary to protect our legal rights or legitimate business interests.

7. Changes to This Notice
LEAF Commercial Capital, Inc. has the discretion to occasionally update this Notice. When we do, we will also revise the “updated” date at the top of this Notice. We encourage you to periodically review this Notice to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this Notice and any updates.

8. Browser Do Not Track
The website does not support Do Not Track at this time. Do Not Track (DNT) is a privacy preference you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For all of the details, including how to turn on Do Not Track, visit allaboutdnt.com.

9. Contacting Us
If you have questions regarding this Notice, its implementation and/or our general practices, please contact us via email at custsrv@LEAFnow.com or send your comments to: LEAF Commercial Capital, Inc. Attention: Privacy Notice Personnel, One Commerce Square, 2005 Market Street, 14^th Floor, Philadelphia, PA 19103