PRIVACY POLICY

Published: September 12th, 2025
Effective: September 12th, 2025

This Privacy Policy explains the personal data EX4 Growth, LLC and its affiliates (“EX4”) processes, how EX4 processes it, and for what purposes. References to EX4 products or services in this statement include EX4 services, website, apps, software, servers and devices. This statement applies to the interactions EX4 has with you.

Personal Data
EX4 collect data from you, through our interactions with you and through our products and services. You provide some of this data directly, and we get some of it by collecting data about your interactions, use, and experiences with our products and services. The data we collect depends on the context of you interactions with EX4 and the choices you make, including your privacy settings and the products and features you use.

We also obtain data about you from EX4 affiliates, subsidiaries, and third parties. We protect data obtained from third parties according to the practices described in this statement, plus any additional restrictions imposed by the source of the data. These third-party sources vary over time and include:
Data brokers from which we purchase demographic data to supplement the data we collect.
Services that make user-generated content from their service available to others, such as local business reviews or public social media posts.
Communication services, including email providers and social networks, when you give us permission to access your data on such third-party services or networks.
Service providers that help us determine your device’s location.
Partners with which we offer co-branded services or engage in joint marketing activities.
Publicly available sources, such as open public sector, academic, and commercial data sets and other data sources

You have choices when it comes to the technology you use and the data you share. When we ask you to provide personal data, you can decline. The data we collect depends on the context of your interactions with EX4 and the choices you make (including your privacy settings), the products and features you use, your location, and applicable law.

Many of our products or services require some personal data to provide you with a service. If you choose not to provide data required to provide you with a product, service or feature, you cannot use that product, service or feature. Likewise, where we need to collect personal data by law or to enter into or carry out a contract with you, and you do not provide the data, we will not be able to enter into the contract; or if this relates to an existing product you are using, we may have to suspend or cancel it. We will notify you if this is the case at the time. Where providing the data is optional, and you choose not to share personal data, features like personalization that use such data will not work for you.

The data we collect can include the following:

Name and contact data. Your first and last name, email address, postal address, phone number, and other similar contact data.
Credentials. Passwords, password hints, and similar security information used for authentication and account access.
Demographic data. Data about you such as your age, gender, country, and preferred language.
Payment data. Data to process payments, such as your payment instrument number (such as a credit card number) and the security code associated with your payment instrument.
Subscription and licensing data. Information about your subscriptions, licenses, and other entitlements.
Interactions. Data about your use of EX4 products. In some cases, such as search queries, this is data you provide in order to make use of the products. In other cases, such as error reports, this is data we generate.
Device and usage data. Data about your device and the product and features you use, including information about your hardware and software, how our products perform, as well as your settings. For example:
Payment and account history. Data about the items you purchase and activities associated with your account.
Browse history. Data about the webpages you visit.
Device, connectivity, and configuration data. Data about your device, your device configuration, and nearby networks. For example, data about the operating systems and other software installed on your device, including product keys. In addition, IP address, device identifiers (such as the IMEI number for phones), regional and language settings, and information about WLAN access points near your device.
Error reports and performance data. Data about the performance of the products and any problems you experience, including error reports. Error reports (sometimes called “crash dumps”) can include details of the software or hardware related to an error, contents of files opened when an error occurred, and data about other software on your device.
Troubleshooting and help data. Data you provide when you contact EX4 for help, such as the products you use, and other details that help us provide support. For example, contact or authentication data, the content of your chats and other communications with EX4 data about the condition of your device, and the products you use related to your help inquiry. When you contact us, such as for customer support, phone conversations or chat sessions with our representatives may be monitored and recorded.

Interests and favorites. Data about your interests and favorites, such as the sports teams you follow, the programming languages you prefer, the stocks you track, or cities you add to track things like weather or traffic. In addition to those you explicitly provide, your interests and favorites can also be inferred or derived from other data we collect, such as your interactions on websites where our technology is used to show or measure ads.
Content consumption data. Information about media content (e.g., TV, video, music, audio, text books, apps, and games) you access through our products.
Searches and commands. Search queries and commands when you use EX4 products with search or related productivity functionality, such as interactions with a chat bot.
Voice data. Your voice data, sometimes referred to as “voice clips”, such as search queries, commands, or dictation you speak, which may include background sounds.
Text, inking, and typing data. Text, inking, and typing data and related information. For example, when we collect inking data, we collect information about the placement of your inking instrument on your device.
Images. Images and related information, such as picture metadata.
Contacts and relationships. Data about your contacts and relationships if you use a product to share information with others, manage contacts, communicate with others, or improve your productivity.
Social data. Information about your relationships and interactions between you, other people, and organizations, such as types of engagement (e.g., likes, dislikes, events, etc.) related to people and organizations
Location data. Data about your device’s location, which can be either precise or imprecise. For example, we collect location data using Global Navigation Satellite System (GNSS) (e.g., GPS) and data about nearby cell towers and Wi-Fi hotspots. Location can also be inferred from a device’s IP address or data in your account profile that indicates where it is located with less precision, such as at a city or postal code level.
Other input. Other inputs provided when you use our products.
Content. Content of your files and communications you input, upload, receive, create, and control. Other content we collect when providing products to you include:
Communications, including audio, video, text (typed, inked, dictated, or otherwise), in a message, email, call, meeting request, or chat.
Photos, images, songs, movies, software, and other media or documents you store, retrieve, or otherwise process with our cloud
Video or recordings. Recordings of events and activities at EX4 buildings, retail spaces, and other locations. If you enter EX4 Store locations or other facilities, or attend a EX4 event that is recorded, we may process your image and voice data
Feedback and ratings. Information you provide to us and the content of messages you send to us, such as feedback, survey data, and product reviews you write.
Traffic data. Data generated through your use of EX4’s communications services. Traffic data indicates with whom you have communicated and when your communications occurred. We will process your traffic data only as required to provide, maintain, and improve our communications services and we do so with your consent.

Collection of Data from Children.
The Services are not directed to children under 18 (or other age as required by local law), and we do not knowingly collect personal information from children.

If you are a parent or guardian and believe your child has uploaded personal information to our site without your consent, you may contact us as described in “Contact Us” below. If we become aware that a child has provided us with personal information in violation of applicable law, we will delete any personal information we have collected, unless we have a legal obligation to keep it, and terminate the child’s account if applicable.

How Personal Data is Used
EX4 uses the data we collect to provide you with rich, interactive experiences. We use data to:
Provide our products, which includes updating, securing, and troubleshooting, as well as providing support. It also includes sharing data, when it is required to provide the service or carry out the transactions you request.
Improve and develop our products.
Personalize our products and make recommendations.
Advertise and market to you, which includes sending promotional communications, targeting advertising, and presenting you with relevant offers.

We also use the data to operate our business, which includes analyzing our performance, meeting our legal obligations, developing our workforce, and doing research. In carrying out these purposes, we combine data we collect from different contexts or obtain from third parties to give you a more seamless, consistent, and personalized experience, to make informed business decisions, and for other legitimate purposes. Our processing of personal data for these purposes includes both automated and manual (human) methods of processing. Our automated methods often are related to and supported by our manual methods. For example, to build, train, and improve the accuracy of our automated methods of processing (including artificial intelligence or AI), we manually review some of the output produced by the automated methods against the underlying data.

Sharing Personal Data

We share your personal data with your consent or to complete any transaction or provide any product you have requested or authorized. We also share data with EX4-controlled affiliates and subsidiaries; with vendors working on our behalf; when required by law or to respond to legal process; to protect our customers; to protect lives; to maintain the security of our products; and to protect the rights and property of EX4 and its customers.

U.S. and Global Data Privacy Laws Notice
This notice outlines our commitment to protecting personal data in compliance with applicable privacy laws worldwide. We process personal data in accordance with the requirements of relevant jurisdictions, including but not limited to the United States, European Union, United Kingdom, Switzerland, Canada, Brazil, Australia, and select African countries. Our practices are designed to respect individual privacy rights, ensure transparency, and maintain robust data security.

Various U.S. states and countries have passed laws extending privacy rights to their consumers. For instance, the California Consumer Privacy Act of 2018 (“CCPA”) became effective on January 1, 2020, and created a variety of privacy rights for California consumers. This notice is provided to make disclosures required by these states’ laws.

Please note that the rules implementing some of these laws have not yet been finalized. We will update our processes, disclosures and this notice as these implementing rules are finalized and as otherwise necessary.

What Personal Information is Collected and Used
You have the right to know what kinds of personal information EX4 collects, how we obtain and use that information, and our business purposes for that collection. In the bulleted list below, we outline the categories of personal information we collect, the sources of the personal information, and our purposes of processing and the categories of recipients with whom we provide the personal information.

Categories of Personal Data

Name and contact data
Sources of personal data: Interactions with users and partners with whom we offer co-branded services
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; respond to customer questions; help, secure, and troubleshoot; and marketing
Recipients: Service providers and user-directed entities
Credentials
Sources of personal data: Interactions with users and organizations that represent users
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; authentication and account access; and help, secure and troubleshoot
Recipients: Service providers and user-directed entities
Demographic data
Sources of personal data: Interactions with users and purchases from data brokers
Purposes of Processing (Collection and Disclosure to Third Parties): Provide and personalize our products; product development; help, secure, and troubleshoot; and marketing
Recipients: Service providers and user-directed entities
Payment data
Sources of personal data: Interactions with users and financial institutions
Purposes of Processing (Collection and Disclosure to Third Parties): Transact commerce; process transactions; fulfill orders; help, secure, and troubleshoot; and detect and prevent fraud
Recipients: Service providers and user-directed entities
Subscription and licensing data
Sources of personal data: Interactions with users and organizations that represent users; third-party storefronts and platforms on which our products are purchased
Purposes of Processing (Collection and Disclosure to Third Parties): Provide, personalize, and activate our products; customer support; help, secure, and troubleshoot; marketing; and accounting
Recipients: Service providers and user-directed entities
Interactions
Sources of personal data: Interactions with users including data EX4 generates through those interactions
Purposes of Processing (Collection and Disclosure to Third Parties): Provide and personalize our products; product improvement; product development; marketing; and help, secure and troubleshoot
Recipients: Service providers and user-directed entities
Content
Sources of personal data: Interactions with users and organizations that represent users
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; safety; and help, secure, and troubleshoot
Recipients: Service providers and user-directed entities
Video or recordings
Sources of personal data: Interactions with users and publicly available sources
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; product improvement; product development; marketing; help, secure, and troubleshoot; and safety
Recipients: Service providers and user-directed entities
Feedback and ratings
Sources of personal data: Interactions with users
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; product improvement; product development; customer support; and help, secure, and troubleshoot
Recipients: Service providers and user-directed entities

Subject to your privacy settings, your consent, and depending on the products you use and your choices, we may collect, process, or disclose certain personal information that qualifies as “sensitive data” under applicable U.S. state data privacy laws. Sensitive data is a subset of personal information. In the list below, we outline the categories of sensitive data we collect, the sources of the sensitive data, our purposes of processing, and the categories of third party recipients to whom we disclose the sensitive data.

Categories of Sensitive Data
Account log-in, financial account, debit or credit card number, and the means to access the account (security or access code, password, credentials, etc.)
Sources of sensitive data: Interactions with users and organizations that represent users
Purposes of Processing (Collection and Disclosure to Third Parties): Provide the product and fulfill requested financial transactions
Recipients: Service providers and payment processing providers
Precise geo-location information
Sources of sensitive data: Users’ interactions with the products
Purposes of Processing (Collection and Disclosure to Third Parties): Provide the service requested; product improvement; some attributes may be disclosed to third parties to provide the service
Recipients: Users and service providers
Racial or ethnic origin, religious or philosophical beliefs, or union membership
Sources of sensitive data: Communications with users
Purposes of Processing (Collection and Disclosure to Third Parties): Conduct research studies to better understand how our products are used and perceived and for the purposes of improving the product experiences
Recipients: Service providers
Medical or mental health, sex life, or sexual orientation
Sources of sensitive data: Communications with users
Purposes of Processing (Collection and Disclosure to Third Parties): Conduct research studies to better understand how our products are used and perceived and for the purposes of improving the product experiences and accessibility
Recipients: Service providers
Contents of your mail, email, or text messages (where EX4 is not the intended recipient of the communication)
Sources of sensitive data: Users’ interactions with the products
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; improve the product experience; safety; and help, secure, and troubleshoot
Recipients: Service providers
Personal data collected from a known child under 13 years of age
Sources of sensitive data: Interactions with users and organizations that represent users
Purposes of Processing (Collection and Disclosure to Third Parties): Provide our products; product improvement; product development; recommendations; help, secure, and troubleshoot; and safety
Recipients: Service providers and user-directed entities (in accordance with your privacy settings.

How We Share Your Personal Information

You have the right to know if your personal information is provided to third parties. We may provide personal information to have our Service Providers, as defined under applicable U.S. state data privacy laws, perform services specified by written contract. These services may include providing our products and services, customer service, preventing fraud, processing payments, fulfilling orders or transactions, and other services depending on your interaction with us. We may also share your information with other third parties when you tell us to do so, such as third-party services or other individuals. In addition, we may disclose personal information to third parties for other notified purposes, as permitted by U.S. state data privacy laws.

"Sharing" and personalized ads. We may “share” your personal information with third parties for personalized advertising purposes, as defined under California and other applicable U.S. state laws. “Personalized advertising” in this context means advertisements we believe will be more interesting and useful to you based on your data, including your searches, site visits, and topics you often explore and personal information collected by EX4. Third parties may use the data we’ve shared with them to show you personalized ads.

In the list below, we outline the categories of data we share for personalized advertising purposes, the types of recipients of the personal data, and our purposes of processing.

Categories of Personal Data
Name and contact data
Recipients: Third parties that perform online advertising services for EX4 or that use EX4’s advertising technologies
Purposes of Processing: To deliver personalized advertising based on your interests
Demographic data
Recipients: Third parties that perform online advertising services for EX4 or that use EX4’s advertising technologies
Purposes of Processing: To deliver personalized advertising based on your interests
Subscription and licensing data
Recipients: Third parties that perform online advertising services for EX4 or that use EX4’s advertising technologies
Purposes of Processing: To deliver personalized advertising based on your interests
Interactions
Recipients: Third parties that perform online advertising services for EX4 or that use EX4’s advertising technologies
Purposes of Processing: To deliver personalized advertising based on your interests

We Do Not Sell Your Personal Information
You have the right to know whether your personal information is being sold. Your personal information is “sold” when it is provided with a third party for monetary or other valuable consideration for a purpose that is not a “business purpose” as set forth in the CCPA or other U.S. state data privacy laws. Please note a “sale” does not include when we disclose your personal information at your direction, or when otherwise permitted under law.

We Do Not Engage in “Profiling”
You have the right to know whether your personal information is used for “profiling,” utilizing automated decision-making in furtherance of decisions that produce legal or similarly significant effects.  EX4 does not engage in this type of profiling.
Control
You have the right to: (i) know what specific pieces of information EX4 has collected and retained about you over the previous 12 months; (ii) correct inaccurate personal information EX4 may have retained; (iii) receive a copy of your personal information; (iv) delete your personal information.

You can also manage, correct, and update your information directly, such as through your account. It is important to note that a valid login is required to access or delete personal information associated with your account. This safeguard is in place to protect the security of consumers and their data.

If you do not have an account or have a more detailed privacy inquiry, you can submit a request to our privacy support team via mail at EX4 Growth, LLC, 1065 SW 8th Street, Miami FL 33130.

If you have made a request to EX4 to know, correct, receive, or delete your personal information and believe your request was denied by EX4, you can exercise your right to appeal the results of your request by contacting our privacy support team via mail at EX4 Growth, LLC, 1065 SW 8th Street, Miami FL 33130.

If your appeal is unsuccessful and depending upon the state where you live, you may have the right to raise a concern or lodge a complaint with your state attorney general.

Right to Limit Use of Sensitive Personal Information
Subject to your privacy settings, your consent, and depending on the products you use and your choices, we may collect, process, or disclose certain personal information that qualifies as “sensitive data” under applicable U.S. state data privacy laws. Sensitive data is a subset of personal information.

You have the right to limit the use or disclosure of your sensitive data to the following types of activities, in accordance with applicable U.S. state data privacy laws:
Perform the services or provide the goods you reasonably expect
Help ensure the security and integrity of our services, systems, and data, to combat malicious deceptive, fraudulent or illegal acts, and to protect the physical safety of individuals, to the extent the processing is reasonably necessary and proportionate
For short-term transient use (including non-personalized advertising), so long as the personal data is not disclosed to a third party, is not used for profiling, and is not used to alter an individual’s experience outside the current interaction with EX4
Perform services on behalf of EX4, such as maintaining accounts, providing customer service, processing, or fulfilling orders/transactions, verifying customer information, processing payments, providing financing, providing analytics, providing storage, and similar services
Undertake activities to verify or maintain the quality or safety of, or improve, upgrade, or enhance a service or device owned or controlled by EX4.
Collect or process sensitive data where the collection or processing is not for inferring characteristics about the individual
Any other activities in accordance with any future regulations that are issued pursuant to U.S. state data privacy laws

We do not use or disclose your sensitive data for purposes other than those listed above, without your consent, or as permitted or required under applicable laws. So, we do not offer an ability to limit the use of sensitive data.

Right to Opt-out of “Sale” or “Sharing”
EX4 does not sell your personal information, so we do not offer an opt out. EX4 may “share” personal information with third parties for personalized advertising purposes. You may indicate your choice to opt-out of the sharing of your personal data with third parties for personalized advertising on third party sites. Even if you turn off “sharing,” you may still see personalized ads based on information other companies and ad networks have collected about you, if you have not opted out of sharing with them.

Right to Opt-out of “Profiling”
EX4 does not engage in “profiling” that utilizes your personal information for automated decision-making that produces legal or similarly significant effects. So, we do not offer an opt-out of this type of profiling.

Financial Incentives
The CCPA and other U.S. state data privacy laws allow businesses to offer consumers financial incentives for sharing personal information. For example, a business can offer a rewards program or provide a premium service to consumers as compensation for their personal information. Where EX4 offers these programs, your participation is optional. If you choose to participate, your participation will be subject to any applicable terms, and you may withdraw at any time.

Non-Discrimination
U.S. state privacy laws prohibit businesses from discriminating against you for exercising your rights under the law. Such discrimination may include denying a good or service, providing a different level or quality of service, or charging different prices. The CCPA permits businesses to provide differing levels or quality or different prices where the business can demonstrate that the difference is reasonably related to the value to the business of the consumer’s personal information.

How to Access and Control Your Personal Data

You can also make choices about the collection and use of your data by EX4. You can control your personal data that EX4 has obtained, and exercise your data protection rights, by contacting EX4. In some cases, your ability to access or control your personal data will be limited, as required or permitted by applicable law.

Cookies and Similar Technologies

Cookies are small text files placed on your device to store data that can be recalled by a web server in the domain that placed the cookie. We use cookies and similar technologies for storing and honoring your preferences and settings, enabling you to sign in, providing interest-based advertising, combating fraud, analyzing how our products perform, and fulfilling other legitimate purposes.

We also use “web beacons” to help deliver cookies and gather usage and performance data. Our websites may include web beacons, cookies, or similar technologies from EX4 affiliates and partners as well as third parties, such as service providers acting on our behalf.

Third party cookies may include:
Social Media cookies designed to show you ads and content based on your social media profiles and activities on our websites;
Analytics cookies to better understand how you and others use our websites so that we can make them better, and so the third parties can improve their own products and services;
Advertising cookies to show you ads that are relevant to you; and
Required cookies used to perform essential website functions.

Where required, we obtain your consent prior to placing or using optional cookies that are not (i) strictly necessary to provide the website; or (ii) for the purpose of facilitating a communication.

You have a variety of tools to control the data collected by cookies, web beacons, and similar technologies. For example, you can use controls in your internet browser to limit how the websites you visit are able to use cookies and to withdraw your consent by clearing or blocking cookies.

Security of Personal Data

EX4 is committed to protecting the security of your personal data. We use a variety of security technologies and procedures to help protect your personal data from unauthorized access, use, or disclosure. For example, we store the personal data you provide on computer systems that have limited access and are in controlled facilities. When we transmit highly confidential data (such as a credit card number or password) over the internet, we protect it through the use of encryption. EX4 complies with applicable data protection laws, including applicable security breach notification laws.

Personal Data Storage and Processing

Personal data collected by EX4 may be stored and processed in your region, in the United States, and in any other jurisdiction where EX4 or its affiliates, subsidiaries, or service providers operate facilities. Typically, the primary storage location is in the customer’s region or in the United States, often with a backup to a data center in another region. The storage location(s) are chosen in order to operate and provide our services efficiently, improve performance, and create redundancies in order to protect the data in the event of an outage or other problem.

Retention of Personal Data

EX4 retains personal data for as long as necessary to provide the products and fulfill the transactions you have requested, or for other legitimate purposes such as complying with our legal obligations, resolving disputes, and enforcing our agreements. Because these needs can vary for different data types, the context of our interactions with you or your use of products, actual retention periods can vary significantly.

Other criteria used to determine the retention periods include:
Do customers provide, create, or maintain the data with the expectation we will retain it until they affirmatively remove it?
Is there an automated control that enables the customer to access and delete the personal data at any time? If there is not, a shortened data retention time will generally be adopted.
Is the personal data of a sensitive type? If so, a shortened retention time would generally be adopted.
Has EX4 adopted an announced a specific retention period for a certain data type?
Has the user provided consent for a longer retention period? If so, we will retain data in accordance with your consent.
Is EX4 subject to a legal, contractual, or similar obligation to retain or delete the data? Examples can include mandatory data retention laws in the applicable jurisdiction, government orders to preserve data relevant to an investigation, or data retained for the purposes of litigation. Conversely, if we are required by law to remove unlawful content, we will do so.

Advertising
Advertising allows us to provide, support, and improve some of our products and services. The ads that you see may be selected based on data we process about you, such as your interests and favorites, your location, your transactions, how you use our products, your search queries, or the content you view. The ads that you see may also be selected based on other information learned about you over time using demographic data, location data, search queries, interests and favorites, usage data from our products and sites, and the information we collect about you from the sites and apps of our advertisers and partners (“Personalized Advertising”). To provide personalized advertising, we combine cookies placed on your device using information that we collect (such as IP address) when your browser interacts with our websites. If you opt out of receiving personalized advertising, data associated with these cookies will not be used.

Further details regarding our advertising-relating uses of data include:
Children and Advertising: We do not deliver personalized advertising to children whose birthday in their account reflect them as under 18 years of age.
Sensitive Data: EX4 does not collect, process, or disclose personal data that qualifies as “sensitive data” under applicable U.S. state data privacy laws for the purposes of providing personalized advertising.
Data Sharing. In some cases, we share with advertisers reports about the data we have collected on their sites and ads.

Advertisers sometimes include their own web beacons (or those of their other advertising partners) within their advertisements that we display, enabling them to set and read their own cookie. These third parties may place cookies on your computer and collect data about your online activities across websites or online services.

Changes to Privacy Policy

We update this privacy policy when necessary to provide greater transparency or in response to, without limitation, any of the following:
Feedback from customer, regulators, industry, or other stakeholders.
Changes in our products.
Changes in our data processing activities or policies.

When we post changes to this statement, we will revise the "last updated" date at the top of the statement and describe the changes. If there are material changes to the statement, such as a change to the purposes of processing of personal data that is not consistent with the purpose for which it was originally collected, we will notify you either by prominently posting a notice of such changes before they take effect or by directly sending you a notification.

Contact Us

If you have a privacy concern, complaint, or question please contact us by mail at:
EX4 Growth, LLC,
1065 SW 8th Street,
Miami FL 33130.

We will respond to questions or concerns within a period no longer than 30 days or where otherwise required by law. You can also raise a concern or lodge a complaint with a data protection authority or other official with jurisdiction.