Last Updated: October 3, 2025

1. Introduction

Accrefi (“Company,” “we,” “us,” or “our”) operates the website www.accrefi.com (the “Website”) and provides a technology‑enabled marketplace that connects businesses with lending and financing partners (the “Services”). This Privacy Policy (this “Policy”) explains what information we collect, how we use it, and the safeguards in place to protect it. “You” or “your” means the person(s) using the Website or Services, including any employees or agents acting on behalf of a business.

This Policy applies to information collected through the Website, via the Services (including email, text, or other electronic messages), or otherwise by Accrefi. This Policy does not apply to information collected by any third party (including third parties with whom you interact through the Website or the Services). By using the Website or Services, you consent to this Policy. If you do not agree with this Policy, please do not use the Website or the Services.

2. Table of Contents

• Information We Collect

• How We Collect Your Information

• Information We Collect Automatically

• Specific Disclosure of Third‑Party Data Collection Technologies

• How We Use Your Information

• Disclosure of Your Information

• Your Choices Regarding Our Use and Disclosure of Information

• Do Not Track and Global Privacy Control

• Data Security

• How Long We Keep Information

• Right to Examine Information

• State‑Specific Rights

• International Users and Data Transfers

• Children Under the Age of 18

• Changes and Updates to this Policy

• Contact Information

• Miscellaneous

3. Information We Collect

We may collect the following categories of information when you interact with the Website or submit information via the Services:

• Personally Identifiable Information (PII): Name, email address, phone number, mailing address, job title, and identifiers such as EIN or Social Security Number (where you choose to provide it).

• Business Information: Company name, industry, ownership, affiliates, estimated revenues, funding needs, capitalization details, and other company‑related data you submit.

• Sensitive Information You Provide: Financial statements, bank statements, revenue data, tax IDs, credit information and related documents; do not submit information you are not authorized to share.

• Information About Other People: Co‑borrowers, guarantors, affiliates, parents, subsidiaries, and family members (including their contact information and identifiers) that you provide.

• Non‑PII / Device and Usage Information: IP address, browser type, device characteristics, operating system, referring URLs, pages viewed, links clicked, session analytics, and similar technical data collected via cookies and related technologies.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt‑in data and consent; this information will not be shared with any third parties.

4. How We Collect Your Information

• Directly from you when you submit forms, upload documents, create an account, request financing matches, or otherwise communicate with us.

• Automatically as you navigate the Website, including through cookies, web beacons and similar technologies.

• From third parties that help us provide the Services or that you authorize us to contact (e.g., credit or banking data sources, service providers, or lending partners).

5. Information We Collect Automatically

We automatically collect and store certain information about your device and use of the Website and Services. This may include your IP address, general location (derived from IP), device identifiers, browser type and settings, pages you view, time spent, links you click, and diagnostic information. We may use cookies (small files stored on your device), web beacons (transparent pixels used to count visits or track email opens), and similar technologies. From mobile devices, we may receive device model, OS, advertising identifiers, app interactions, signal strength, battery level, and related technical data.

6. Specific Disclosure of Third‑Party Data Collection Technologies

We use certain third‑party analytics and advertising services, including Google Analytics Advertiser Features (e.g., Remarketing with Google Analytics; Google Display Network Impression Reporting; Google Analytics Demographics and Interests Reporting), and may integrate with advertising platforms such as Google Ads/Display & Video 360. These third parties may use first‑party cookies and identifiers (e.g., the Google Analytics cookie) together with third‑party cookies or identifiers (e.g., the DoubleClick cookie) to gather data about your activities on our Website. For example, remarketing allows us to reach people who previously visited our Website.

Opt‑out options: You can visit the Self‑Regulatory Principles for Online Behavioral Advertising at http://www.aboutads.info/choices/ and the Network Advertising Initiative opt‑out page. For Google Ads preferences, visit http://www.google.com/ads/preferences/. Because these pages are operated by third parties and are browser‑specific, we cannot perform opt‑outs on your behalf.

7. How We Use Your Information

• Provide, operate, and maintain the Website and Services, including customer support.

• Evaluate your company’s eligibility for financing and connect you with potential lenders and financing providers.

• Communicate with you about the Website or Services, including updates and changes.

• Send marketing communications about Accrefi or our affiliates (you may opt out).

• Manage relationships, perform/ enforce contracts, and protect our rights.

• Analyze usage to improve the Website and Services, and to compile aggregated statistics.

• Comply with legal obligations and respond to lawful requests.

• Any other purpose disclosed at the time of collection or with your consent.

8. Disclosure of Your Information

We do not sell your personal information.

• Lending Partners: To facilitate funding requests, we may share submitted information with our network of lenders and financing providers.

• Service Providers: With vendors that host, operate, analyze, or support our Website and business operations.

• Affiliates & Subsidiaries: For purposes consistent with this Policy.

• Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets.

• Legal & Safety: To comply with law or enforce our agreements; to protect the rights, property, and safety of Accrefi, our users, or others.

• With Your Consent: For any other disclosure you authorize.

Note About Disclosure to Third Parties: Some Services require disclosure to third parties (e.g., lending partners). If you proceed with submissions or indicate consent, you authorize such disclosures. Once disclosed, a third party’s handling of information is governed by that party’s privacy practices, not this Policy.

9. Your Choices Regarding Our Use and Disclosure of Information

Marketing Preferences: To modify marketing communications, email privacy@accrefi.com or use the unsubscribe link in our emails.

Cookies & Tracking: You can set your browser to refuse all or some cookies or alert you when cookies are set. If you disable cookies, some parts of the Website may not function properly.

10. Do Not Track and Global Privacy Control

Some browsers offer a “Do Not Track” (DNT) signal. Because no common industry standard has been adopted, we do not respond to DNT signals. Where required by applicable law, we make reasonable efforts to honor browser‑based Global Privacy Control (GPC) signals for opt‑out rights.

11. Data Security

We employ reasonable administrative, technical, and physical safeguards designed to protect information under our control. These include encrypted transmission (HTTPS), network safeguards such as firewalls, and access controls. However, no method of transmission or storage is completely secure; we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any passwords associated with your account.

12. How Long We Keep Information

We retain information for as long as necessary to provide the Services and for other legitimate purposes (e.g., recordkeeping, compliance, and security), considering the nature and sensitivity of the information, your expressed preferences, the potential risk of harm from unauthorized use, and our legal obligations. When no longer needed, we securely dispose of information in accordance with applicable laws and regulations.

13. Right to Examine Information

You may request access to PII collected over the previous twelve (12) months by emailing info@accrefi.com. We may charge a reasonable administrative fee where permitted by law and may deny requests that are frivolous, infringe others’ rights, or are otherwise restricted by law. We may also deny deletion requests where necessary to prevent fraud or ensure security.

14. State‑Specific Rights

Depending on your state of residence, you may have specific rights (e.g., California Consumer Privacy Act (CCPA/CPRA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), and Utah Consumer Privacy Act (UCPA)). These may include the right to know/access, correct, delete, and obtain a portable copy of certain personal information, and the right to opt out of certain processing. To exercise any available rights, email info@accrefi.com. We will not discriminate against you for exercising your rights.

Nevada Residents: You may opt out of the sale of certain personal information under Nevada law by contacting info@accrefi.com. We do not currently sell personal information as defined by Nevada law.

15. International Users and Data Transfers

This Policy is intended for U.S. residents. If you access the Website from outside the U.S., your information may be transferred to and processed in the United States, where data protection laws may differ from those in your country.

16. Children Under the Age of 18

The Website and Services are not intended for children under 18, and we do not knowingly collect personal information from children. If we learn that we have collected such information, we will delete it.

17. Changes and Updates to this Policy

We may update this Policy from time to time. We will post the updated Policy with a new “Last Updated” date. Where required by law, we will provide additional notice of material changes.

18. Contact Information

General inquiries: info@accrefi.com

Website: www.accrefi.com

19. Miscellaneous

This Policy does not create rights enforceable by third parties. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect.