Privacy Policy

Introduction

The Pay It Forward Companies publish this website. It is operated by PIF Capital Management Ltd. and its affiliates, including PIF Advisory LLC, a Delaware limited liability company, and their respective successors and assigns (hereafter the "Company," "We," "Us," "Our," or words of similar import). We respect your privacy and are committed to protecting it through Our compliance with this Website Privacy Policy (this "Policy").

This Policy describes the types of information We may collect from you or that you may provide when you visit the website pif.co and its subdomains, including visitors redirected from pifadvisory.com (the "Website"), and Our practices for collecting, using, maintaining, protecting, and disclosing such information.

This Policy applies to any information We collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website.
• When you interact with Our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by the Company or any third party; or
• Any third party, including through any application or content (including advertising), that may link to or be accessible from or through the Website.

Please read this Policy carefully to understand how we treat your information. If you do not agree with the policies and practices set forth herein, you must not access the Website. By accessing or using the Website, you agree to this Policy. This Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of the Website after we make changes is deemed to be your acceptance of those changes, so please check the Policy periodically for updates.

Children Under the Age of 13

The Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect Personal Information, as defined below, from children under 13. If you are under 13, do not use or provide any information on this Website or through any of its features, or provide any information about yourself to Us, including your name, address, telephone number, email address, or any screen name or user name you may use. If We learn We have collected or received Personal Information from a child under 13 without verification of parental consent, We will delete such information. If you believe We might have any information from or about a child under 13, please contact Us at privacy@pifadvisory.com.

Residents of certain states under 13, 16, or 18 years of age may have additional rights regarding the collection and sale of their Personal Information. Please see Your State Privacy Rights for more information.

Information We Collect About You and How We Collect It

We may collect several types of information from and about users of Our Website, including information:

• By which you may be personally identified, such as name, postal address, email address, telephone number (collectively, "Personal Information");
• About your internet connection, the equipment you use to access Our Website, and usage details.

We collect this information:

• Directly from you when you provide it to Us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies, where such technologies are used on the Website.
• From third parties; for example, Our business partners.

Information You Provide to Us

The information We collect on or through Our Website may include:

• Information that you provide by filling in forms on Our Website. We may also ask you for information from time to time or when you report a problem with Our Website.
• Records and copies of your correspondence (including email addresses), if you contact Us.
• Your responses to surveys that We might ask you to complete for research purposes.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with Our Website, We may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to Our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information We collect automatically may include Personal Information, or We may maintain it or associate it with Personal Information We collect in other ways, including when you provide Us with such Personal Information. This helps Us to improve Our Website and deliver a better, more personalized service, including by enabling Us to:

• Estimate Our audience size and usage patterns.
• Recognize you when you return to Our Website.

How We Use Your Information

We use information that We collect about you or that you provide to Us, including any Personal Information:

• To present Our Website and its contents to you.
• To provide you with information, products, or services that you request from Us.
• To fulfill any other purpose for which you provide it.
• To carry out Our obligations and enforce Our rights arising from any contracts entered into between you and Us, including for billing and collection.
• To notify you about changes to Our Website or any products or services We offer or provide though it.
• In any other way We may describe when you provide the information.
• For any other purpose with your consent.

Disclosure of Your Information

We may disclose Personal Information that We collect or you provide as described in this Policy:

• To Our subsidiaries and affiliates.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information We hold about you is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by Us when you provide such information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply Our terms of use pif.co/terms-of-use and other agreements, including for billing and collection purposes.
• If We believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, Our customers, or others.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding Our use of their Personal Information.

California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Montana, Oregon, Tennessee, Texas, Utah, and Virginia provide (now or in the future) their state residents with rights to:

• Confirm whether We process their personal information.
• Access and delete certain personal information.
• Correct inaccuracies in their personal information, taking into account the information's nature processing purpose (excluding Iowa and Utah).
• Data portability.
• Opt-out of personal data processing for: targeted advertising (excluding Iowa); sales; or profiling in furtherance of decisions that produce legal or similarly significant effects (excluding Iowa and Utah).
• Either limit (opt-out of) or require consent to process sensitive personal data.

The exact scope of these rights may vary by state. To exercise any of these rights, or to appeal a decision regarding a consumer rights request, please contact privacy@pifadvisory.com.

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated email address: privacy@pifadvisory.com. However, please know we do not currently sell data triggering that statute's opt-out requirements.

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. Although We do Our best to protect your personal information, We cannot guarantee the security of your personal information transmitted to Our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is Our policy to post any changes We make to Our privacy policy on this page. If We make material changes to how We treat Our users' personal information, We will notify you through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting Our Website and this Policy to check for any changes.

Contact Information

To ask questions or comment about this Policy and Our privacy practices, contact Us at: privacy@pifadvisory.com.