Privacy Policy

1. Introduction and Scope

TLN LLC, doing business as The Liquidity Network ("TLN," "we," "us," or "our"), is committed to protecting the privacy of individuals who visit our website at theliquiditynetwork.com (the "Site") and those who submit inquiries or enter into lending arrangements with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our Site, our services, or our personnel.

By accessing our Site or submitting an inquiry, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree with the terms of this policy, please discontinue use of our Site and services.

This Privacy Policy applies to information collected through our website, through direct communications (phone, email, written correspondence), and in connection with the provision of our private lending services. It does not apply to information collected by third parties that may be linked to or integrated with our Site, which are governed by their own privacy policies.

2. Information We Collect

We collect several categories of information in connection with our business operations:

Information You Provide Directly. When you submit an inquiry through our website, contact us by phone or email, or engage with our lending services, we may collect:

• Identifying information: full name, address, date of birth, government-issued identification numbers
• Contact information: email address, phone number, mailing address
• Asset information: descriptions, photographs, appraisals, titles, and documentation of assets you wish to use as collateral
• Financial information: to the extent required for regulatory compliance or loan documentation, including information relevant to beneficial ownership
• Communication records: the content of emails, calls, and written correspondence with our team
• Transaction information: terms of loan arrangements, payment records, and related documentation

Information Collected Automatically. When you visit our Site, our servers and third-party analytics services may automatically collect:

• Device and browser information: IP address, browser type, device type, operating system
• Usage data: pages visited, time spent on pages, links clicked, referring URLs
• Cookie data: session identifiers, preference cookies, and analytics cookies (see Section 8)
• UTM parameters and marketing attribution data if you arrive via a marketing campaign link

Information from Third Parties. In connection with our lending activities, we may receive information from:

• Independent appraisers and valuation specialists engaged to assess collateral
• Title search and lien search services verifying asset ownership
• Insurance providers confirming coverage on pledged assets
• Regulatory databases and compliance screening services required for legal compliance

3. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate and process lending inquiries: Reviewing your inquiry, assessing the assets proposed as collateral, conducting due diligence, and preparing term sheets and loan documentation
• To administer active lending arrangements: Managing loan accounts, processing payments, communicating about loan status, and enforcing loan terms
• To comply with legal obligations: Meeting anti-money laundering (AML), Bank Secrecy Act (BSA), and other applicable regulatory requirements, including identity verification and beneficial ownership documentation
• To communicate with you: Responding to inquiries, providing information about our services, and sending operational communications related to your account or inquiry
• To improve our services: Analyzing how our Site is used, identifying areas for improvement, and developing new services or features
• To protect our legal interests: Documenting transactions, maintaining records for legal and regulatory purposes, and enforcing our contractual rights
• For marketing communications: With your explicit consent, sending information about our services, market updates, and other relevant content (you may opt out at any time)

4. Legal Basis for Processing (California and Other Jurisdictions)

For individuals in California and other jurisdictions with applicable privacy laws, our legal bases for processing personal information include: performance of a contract (processing your inquiry and administering any resulting loan arrangement), compliance with legal obligations (regulatory and AML compliance), legitimate business interests (improving our services, protecting our legal rights), and consent (for marketing communications and optional data uses).

California residents have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete personal information (subject to exceptions), the right to correct inaccurate information, the right to opt out of the sale of personal information (we do not sell personal information), and the right to non-discrimination for exercising privacy rights. To exercise these rights, please contact us using the information in Section 11.

5. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in the following limited circumstances:

• Service providers: Third-party appraisers, title search companies, storage and custody facilities, legal counsel, compliance consultants, and technology service providers who assist in our operations, subject to confidentiality obligations and data protection agreements
• Capital providers and partners: When your inquiry involves capital sourced from or co-arranged with affiliated capital providers or network partners, information necessary to evaluate and structure the arrangement may be shared with those parties, subject to confidentiality obligations
• Regulatory and legal compliance: To comply with applicable laws, regulations, or legal process, including responses to lawful requests by government authorities, court orders, or regulatory inquiries
• Business transfers: In connection with any merger, acquisition, reorganization, or sale of all or a portion of our assets, in which case your information may be transferred as part of that transaction
• Protection of rights: When we believe disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or enforce our legal agreements

We require all third parties who receive personal information to maintain appropriate data security standards and to use the information only as specified in their service agreements with us.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. For inquiries that do not result in a lending arrangement, we typically retain information for a period of three years following the inquiry, which accommodates our regulatory compliance obligations. For completed lending arrangements, we retain records for a minimum of seven years following the conclusion of the arrangement, consistent with applicable financial regulatory requirements.

When information is no longer necessary for the purposes for which it was collected and no legal retention requirement applies, we take commercially reasonable steps to securely destroy or anonymize the information.

7. Security of Your Information

We implement commercially reasonable technical, administrative, and physical security measures designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include encrypted data transmission (HTTPS/TLS), access controls limiting information access to personnel with a need to know, secure document storage, and regular security reviews of our systems and practices.

However, no security system is impenetrable. We cannot guarantee that our security measures will prevent all unauthorized access to personal information. If you believe your information has been compromised in connection with your interactions with us, please contact us immediately using the information in Section 11.

8. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your experience and collect analytics information. Cookies are small text files stored on your device when you visit a website.

We use the following categories of cookies:

• Strictly necessary cookies: Essential for the Site to function. These cannot be disabled without disrupting your use of the Site.
• Analytics cookies: Help us understand how visitors use our Site, which pages are most visited, and where traffic originates. We use this information to improve the Site. These may include services such as Google Analytics.
• Marketing cookies: Track visitors across websites to enable us to display relevant advertisements. These are only used with your consent where applicable law requires it.

You can control cookie use through your browser settings. Most browsers allow you to block or delete cookies. However, blocking certain cookies may affect your ability to use some features of our Site. For Google Analytics opt-out, visit https://tools.google.com/dlpage/gaoptout.

9. Third-Party Links

Our Site may contain links to third-party websites, including auction platforms, valuation resources, and industry references. These third-party sites have their own privacy policies, which we encourage you to review. We are not responsible for the privacy practices or content of third-party websites. The inclusion of a link does not imply endorsement of the linked site's privacy practices.

10. Children's Privacy

Our Site and services are not directed at individuals under the age of 18, and we do not knowingly collect personal information from minors. If you are a parent or guardian and believe that your minor child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a minor without verification of parental consent, we will take steps to remove that information from our systems.

11. Your Rights and How to Exercise Them

Depending on your jurisdiction, you may have rights to access, correct, delete, restrict, or object to processing of your personal information, and to request portability of your data. To exercise any of these rights, or to ask questions about this Privacy Policy, please contact us:

We will not discriminate against you for exercising your privacy rights. Requests related to your right to know, right to delete, or right to opt out of sales (we do not sell information) will be processed without charge in most circumstances.

12. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, provide additional notice (such as a banner on our Site or direct communication to known active clients). Your continued use of our Site or services following notice of material changes constitutes acceptance of the updated Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

13. Governing Law

This Privacy Policy is governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions, and applicable federal law. Any disputes arising under this Privacy Policy shall be subject to the exclusive jurisdiction of the courts located in Palm Beach County, Florida.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please do not hesitate to contact us. We take privacy inquiries seriously and will respond promptly to any question or concern you raise.

The Liquidity Network is committed to handling your personal information responsibly and in compliance with applicable privacy laws. Our goal is to earn and maintain your trust through transparent, lawful, and respectful data practices.

TLN LLC · The Liquidity Network · 561-768-2621 · liquid@theliquiditynetwork.com · theliquiditynetwork.com