Privacy Policy

1. Introduction

MoneyLife Financial Group, LLC ("MLFG," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy describes how we collect, use, share, and safeguard your personal and financial information in connection with our website, mobile applications, and financial services, consistent with applicable federal and state laws, including the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), and applicable SEC and FINRA regulations.

2. Information We Collect

We collect the following categories of information:

• Identity Information: Full name, date of birth, Social Security Number (last 4 digits for pre-qualification), government-issued ID details.
• Contact Information: Email address, phone number, mailing and billing address.
• Financial Information: Income, employment status, credit score range, assets, liabilities, investment objectives, and risk tolerance.
• Transaction Data: Details of loan applications, investment inquiries, product purchases, and account activity.
• Technical Data: IP address, browser type, device identifiers, operating system, and pages visited via cookies and similar tracking technologies.
• Communications: Records of correspondence with our team, including emails, chat messages, and support requests.

3. How We Use Your Information

We use your information to:

• Process loan, investment, and financial service applications.
• Perform creditworthiness assessments and pre-qualification determinations.
• Connect you with appropriate third-party lenders, investment platforms, or partner institutions.
• Comply with applicable federal and state financial regulations, including anti-money laundering (AML) and Know Your Customer (KYC) requirements.
• Communicate account updates, application status changes, and service information.
• Improve our website, services, and user experience through analytics.
• Respond to legal requests, court orders, or regulatory inquiries.

4. Sharing of Information

We do not sell your personal information. We may share it with:

• Affiliated Companies: Subsidiaries or affiliates of MoneyLife Financial Group for joint financial products or services.
• Third-Party Lenders & Partners: With your consent, we submit your application to lending or investment partners to facilitate financing or investment opportunities.
• Service Providers: Technology vendors, payment processors, and analytics providers acting on our behalf under data protection agreements.
• Regulators & Law Enforcement: When required by law, subpoena, FINRA rule, SEC regulation, or other legal obligation.
• Credit Bureaus: For loan and credit product applications, we may share information with and receive reports from credit reporting agencies.

5. Data Security

We implement industry-standard administrative, technical, and physical safeguards to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction. These include encrypted data transmission (TLS/SSL), access controls, and regular security assessments. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Cookies & Tracking Technologies

Our website uses cookies, web beacons, and similar technologies to enhance your experience, analyze site traffic, and support marketing activities. You may control cookie preferences through your browser settings. Disabling certain cookies may limit your ability to use some features of our site.

7. Your Rights & Choices

Depending on your state of residence, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data, subject to legal retention obligations.
• Opt out of certain data sharing for marketing purposes.
• Receive a copy of your data in a portable format.

To exercise these rights, contact us at privacy@mymlfg.com.

8. Data Retention

We retain personal and financial information for as long as necessary to provide our services, comply with legal obligations (including SEC and FINRA recordkeeping rules), resolve disputes, and enforce our agreements. Loan and investment records are typically retained for a minimum of seven (7) years.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. We will notify you of material changes by posting the updated policy on our website with a revised effective date. Continued use of our services after such changes constitutes your acceptance of the updated policy.

11. Contact Us

For privacy-related questions or to exercise your rights, please contact:

MoneyLife Financial Group, LLC
Attn: Privacy Officer
Email: privacy@mymlfg.com
Phone: 888.855.4544