Last Updated: August 12, 2026

I. GENERAL

Forward Financing LLC and its affiliates (“Forward Financing,” “Company,” “us,” “our,” or “we”) is a financial technology company that provides working capital to small and medium-sized businesses nationwide. This Privacy Policy explains how we collect, use and disclose your information when you request and obtain our financial products, interact with us as a representative of another business, use our website, including the Company’s subdomains, mobile applications, and other web-connected services (collectively, “Website”), or otherwise interact with us (our “Services”). This Privacy Policy also describes our practices for maintaining and protecting your information. Terms defined in our Terms of Service shall have the same meaning when used herein.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. This policy may change from time to time, without notice. It is your responsibility to check the policy periodically for updates.

If you are a California resident, please review our California Privacy Policy for further information about our collection, use, disclosure, and sharing of your personal information, as well as other information about your state-specific privacy rights.  In addition, if you are a California resident who is a prospective, current, or former employee or contractor of the Company, please review our California Employee Privacy Policy.

II. INFORMATION WE COLLECT ABOUT YOU

1.  Information You Give Us

We collect information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, Social Security number and other information that can be used to identify you (“Personal Information”) directly from you when you provide it to us. If you use our Services, either directly or through a broker, independent sales organization, or a third-party platform, we may collect the following types of information:

• Identity and Profile Information. This includes information that you provide by filling in forms on our Website, at the time of registering to use our Website, subscribing to any Services offered on the Website, including the information you provided on any applications, posting material or requesting further services. We may also ask you for information when you report a problem with our Website.
• Financial Information. This includes details of transactions you carry out through our Website and bank account online login information, bank account numbers, bank account details including transaction history, routing numbers and/or debit card numbers and credit card numbers that you link to your Company account or you give us when you use the Services.
• Customer Service Interaction Information. We collect information you provide when you engage with our customer service personnel and mechanisms, including through recorded phone calls, chat conversations, surveys, and email correspondence. Note that recordings and transcripts of customer service interactions may be stored by us and/or our vendors on our behalf for quality assurance and training purposes.
• Direct Marketing and Communications Information. This includes your preferences in receiving marketing communications from us and our third parties (marketing and servicing vendors). Your responses to surveys that we might ask you to complete for research purposes.
• Geolocation Information. We may collect or infer information about your general or precise location (including the precise location of your device) if you choose to enable that functionality. You can withdraw your consent to this at any time using your device settings.
• Photographs. We may collect information about your physical or biological characteristics such as photographs. These photographs may be used by our identity verification vendors for verifying your identity or detecting fraud (including through facial recognition technologies controlled by such vendors).
• Information about Businesses and Business Representatives. In addition to the other types of information listed in this section, if you are a business user or sole proprietor, we may collect your business name, industry, business address, business email, business telephone number, tax identification number, ownership percentages, and other requested business information.
• Usage Details and Device Information. We may collect certain information automatically when you use the Website or Services, including details about your browser, operating system or device, (such as your MAC address, cookie identifiers, Internet protocol (IP) address, mobile advertising, and other unique identifiers, device ID, Internet service provider, mobile carrier, general location information (including inferred location based off of your IP address), actions that you take while using the Website or Services, information about how you interact with the Website or Services, including the frequency and duration of your activities, information about the links you click, and other information about how you use the Services.

The information described in this “Usage Details and Device Information” section is often collected through cookies, web beacons, and other tracking technologies. See Section V of the Privacy Policy below to learn more about cookies and similar technologies.

Our partners may help collect this data for:

• Website operations: Enabling features that are necessary for providing you the Services on our Website, such as identifying you as being signed in, tracking content views, remembering your preferences, and the number of times you have been shown an advertisement.
• Analytics: Allowing us to understand how our Services are being used, track Website performance, and make improvements.
• Personalized advertising: Delivering tailored advertising based on your preferences or interests across services and devices, and measuring the effectiveness of advertisements.

We encourage you to visit the Network Advertising Initiative and/or the Digital Advertising Alliance for more information about how advertising networks collect and use your information, and how to limit that use. You can also manage tracking by certain mobile advertising networks through your device settings, including by resetting the advertiser ID on your Apple or Android device.

Please note that opting-out of these advertising networks services does not mean you will stop seeing ads while using our Services or on other websites. It only limits interest-based advertising from participating companies, in accordance with their opt-out tools and policies. Other companies that do not participate in these programs may continue to show you interest-based ads. Note that if you delete your cookies, you may also delete your opt-out preferences.

B.   Information Obtained from Third Parties

We may also obtain information about you from:

• Vendors/service providers. This includes vendors we rely on to provide our Services, like IT and security service providers.
• Third party sources that we rely on to enrich our revenue-based financing and loan eligibility determinations. This includes credit reporting agencies, identity verification, fraud prevention, and similar services.
• Independent Sales Organizations and Brokers. We obtain information about you, from ISOs and brokers that facilitate the funding process, submit a funding application to us on your behalf, or present a funding deal to the Company on your behalf.
• Online advertising companies and other advertising and research partners. This includes third parties who may disclose information about your interests, demographic information, and information about the marketing and advertisements you have seen or clicked on as you browse the internet.
• Social media platforms and other publicly available data sources managed by third parties. We may have access to your information from your accounts managed by third parties. The information we have access to varies by third party site and is controlled by your privacy settings and authorization on that site.
• Business and Strategic Partners. We may collect information about you from business and strategic partners that collaborate with us or partner with us to provide products and Services.

III. HOW WE USE YOUR PERSONAL INFORMATION

We use information that we collect about you or that you provide to us, including Personal Information, for the following business purposes:

• To provide you with information, products or services that you request from us or that we believe may be relevant to you, or to respond to your questions or requests;
• To provide you with notices about your account, including expiration and renewal notices;
• To provide, support, personalize, and develop the Company’s Website, products, and Services, including utilization of artificial intelligence and/or machine learning tools;
• To create, maintain, customize, and secure your account with the Company;
• 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 through it;
• To contact you about our products and Services, or events or news, that may be of interest to you;
• To allow you to participate in interactive features on our Website;
• To process your requests, purchases, transactions, and payments and prevent transactional fraud;
• For testing, research, analysis, and product development, including to develop and improve the Company’s Website, products, and Services;
• To protect the Company, you, and others; prevent fraud and other unlawful or unauthorized activity; and create and maintain a trusted, secure, and reliable online environment;
• To enforce this Privacy Policy or our Terms of Service;
• To comply with applicable law;
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Company’s assets, whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding, in which Personal Information held by the Company about consumers is among the assets transferred; or
• In any other way we may describe when you provide the information.

We may use aggregated and automatically-collected data to improve our Website and to deliver a better and more personalized service, including by enabling us to do certain things, including but not limited to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website.

IV. HOW WE DISCLOSE YOUR PERSONAL INFORMATION

We may disclose your Personal Information for the following purposes:

• With third-party service providers and contractors who perform services on our behalf, such as customer support services, processing transactions, marketing, billing and collection, auditing and accounting, professional services, measurement and analytics services, security, maintenance and hosting of our Services, and IT. For example, we may disclose your Personal Information with credit reporting services when we request a credit report regarding you, and to other potential sources of funding you identify to us;
• With our business partners and in connection with our Website and/or products and Services;
• With our affiliates and subsidiaries to provide our Website and for our administrative, business, and commercial purposes related to the Services;
• With collection agencies to collect on delinquent accounts;
• With our account purchaser or asset assignee business partners after unsuccessful efforts to collect on delinquent accounts;
• With third parties to offer our Services as necessary to offer and improve our Services, including vendors who assist with identity verification and business/strategic partners;
• With third-party fraud prevention and risk intelligence providers that help us detect, prevent, and investigate fraud, security incidents, and other harmful or unlawful activity. These providers may use information we disclose to provide fraud screening, authentication, identity verification, risk scoring, and related services to us. They may also use information we disclose, together with information they receive from other clients, to maintain and improve their fraud detection and risk intelligence products and services, including by generating aggregated, deidentified, or model-based insights that may be used to help us and other clients identify potentially fraudulent or high-risk activity, as permitted by applicable law;
• With third-party platform advertisers who assist us in serving advertising regarding our Website and/or Services to others who may be interested, and we also partner with third parties who use cookies and other tracking technologies to serve interest-based advertising and content on their respective third-party platforms that may be based on your preferences, location and/or interests;
• Affiliate and business transfer. In connection with a transaction or proposed transaction involving the transfer of substantially all of the assets of Forward Financing or one or more of its businesses to another entity, whether an affiliate or a third party, or in connection with a bankruptcy;
• Compliance and harm prevention. In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our Website and/or Services; to protect ourselves against legal liability; to respond to claims that any posting or other content violates the rights of third parties; in an emergency, to protect the health and safety of our Website’s users or the general public; or to respond to subpoenas, court orders, or legal processes, including requests from law enforcement agencies or other government authorities or third parties, as permitted by law. This may be done without your consent when we have a good faith belief that it is necessary to protect our customers, employees, or property, in emergency situations, to enforce our rights under our Terms of Service and policies, or to combat fraud or criminal activity; or
• Corporate Transaction. In connection with corporate transactions, in the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock.

V. COOKIES AND SIMILAR TECHNOLOGIES

A cookie is a small file, often including a unique identifier, which is sent to your browser from a website and placed on the hard drive of your computer.

We use both “session” cookies and “persistent” cookies.  We use session cookies to make it easier for you to navigate our Website. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time.  You can remove persistent cookies by following directions provided in your browser’s help file.

We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our Website. If you choose to turn off cookies on your computer, you may be unable to access certain parts of our Website.

Certain features of our Website may use local stored objects to collect and store information about your preferences and navigation to, from and on our Website.

Pages of our Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company to gather website statistics, including but not limited to counting users who have visited those pages or opened an e-mail. Other examples include but are not limited to recording the popularity of certain website content and verifying system and server integrity. We may tie this information to Personal Information about you that we collect from other sources or that you provide to us.

We also use Google Analytics to collect information such as your IP address, your internet service provider, the web page you linked to our Website from, and other clicking and browsing behavior, to analyze how users use our Website. You may opt out of Google Analytics by using the browser add-on provided by Google, available at https://tools.google.com/dlpage/gaoptout.

VI. YOUR CHOICES

You are not obligated to provide Personal Information while accessing the Website. However, if you choose not to provide Personal Information through the Website, certain functionalities of the Website may not be available to you and the Company may not be able to provide certain services to you or respond to your requests. For example, you may not be able to apply for financing online, submit an application for employment, or otherwise access all of the features of the Website. We reserve the right to close or limit access to your account should you opt-out of the crucial notices that are required to perform the Services. You are still responsible for any amounts due to us even if we close or limit access to your account.

You may have certain rights and choices regarding our use and disclosure of your Personal Information, including:

1. Opting out of receiving electronic communications and SMS messaging from us. If you no longer wish to receive marketing emails from us, you can opt out of these communications by clicking on the “unsubscribe” link included in those emails or emailing marketing@forwardfinancing.com with the subject line: Marketing Unsubscribe. You can opt out of receiving marketing text messages at any time by replying STOP to any message or contacting Forward Financing directly. After you send the SMS message STOP to us, we will send you a SMS message to confirm that you have been unsubscribed. pt-outs do not apply to communications from the Company as a result of financing you negotiate or receive, responses to calls you have placed to the Company, or other transactions.
2. Your California privacy rights. California residents have certain rights with respect to our collection, use, disclosure, and sharing of their personal information. Please review our California Privacy Policy for more information about those rights. If you are a California resident who is a prospective, current, or former employee or contractor of the Company, please review our California Employee Privacy Policy.
3. Your Nevada privacy rights. Nevada residents have the right to request to opt out of any “sale” of their personal information under Nevada law. We do not currently sell personal information under Nevada law; however, you may still request to opt out of the future sale of your personal information. If you are a Nevada resident and would like to make such a request, please contact us using the information in the Contact Us section at the end of this Privacy Policy and provide “Nevada Privacy Rights” in the subject line. You must include your full name, email address, and postal address in your request so that we can verify your Nevada residence and respond.
4. Additional U.S. state-specific privacy rights. If you are a resident of a state in which state-level privacy law is enacted, other than California, additional rights described in this Section may apply to you as applicable law comes into effect.

You may have the following rights, in each case to the extent set out in applicable law:

• The right to confirm whether we process personal information about you and request access to such personal information (including, if applicable, in a portable and readily usable format or certain additional information about to whom we disclose your personal information);
• The right to correct inaccuracies in certain personal information we may hold about you; and
• The right to request the deletion of personal information we have collected from or about you.

You may request to exercise these rights by contacting us using the information in the “Contact Us” section below.

If your rights request is denied, you may lodge an appeal with us. The response to your rights request will inform you of any appeal rights you may have and how you may exercise them.

As required under applicable law, we will take steps to verify your identity before granting you access to information or acting on your request to exercise your rights. Under applicable law, you may designate an authorized agent to make a request on your behalf. Only you, or someone legally authorized to act on your behalf, may make a request. To designate an authorized agent, or if you are an authorized agent seeking to exercise rights on behalf of another person, you must contact the Company by one of the methods listed above and provide the Company with the agent’s name, contact information, and other relevant information and documentation, such as a Power of Attorney or letter of conservatorship, that will help the Company identify the authorized agent.

VII. USE OF THE WEBSITE OR SERVICES BY UNDERAGE INDIVIDUALS

Our Website and Services are not intended for children under 18 years of age. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features, or provide any information about yourself to us, including your name, address, telephone number, e-mail 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 18, we will use commercially-reasonable efforts to delete that information. If you believe we might have any information from or about a child under 18, please contact us at compliance@forwardfinancing.com.

VIII. CHANGES TO YOUR INFORMATION

If you believe any Personal Information we have about you is inaccurate, you may send us an e-mail at compliance@forwardfinancing.com to request that we correct or delete any inaccurate Personal Information. We will not accommodate a request to change Personal Information if we believe the change would violate any law or legal requirement, cause the information to be incorrect, or materially hinder our ability to provide you with services or collect an outstanding balance.

IX. DO NOT TRACK SIGNALS

Our Website currently does not respond to “Do Not Track” (DNT) signals.

X. SECURITY

We take reasonable measures to help protect Personal Information against loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. However, no system is perfectly secure or guaranteed to be free from unauthorized use or access. Before submitting any Personal Information through the Website, please be aware of these inherent risks and know that you do so at your own risk.

XI. RETENTION

We retain Personal Information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in this Privacy Policy including security, legal compliance, disputes, consistent with our retention policy, and as permitted by applicable law.

We utilize the following criteria to determine the length of time for which we retain information:

• The business purposes for which the information is used, and the length of time for which the information is required to achieve those purposes;
• Whether we are required to retain the information type in order to comply with legal obligations or contractual commitments, to defend against potential legal claims, or as otherwise necessary to investigate theft or other activities potentially in violation of our policies and procedures applicable to you or against the law, to ensure a secure online environment, or to protect health and safety;
• The privacy impact of ongoing retention; and
• The manner in which information is maintained and flows through our systems, and how best to manage the lifecycle of information in light of the volume and complexity of the systems in our infrastructure.

Individual pieces of information such as those listed above may exist in different systems that are used for different business or legal purposes. A different maximum retention period may apply to each use case of the information. Certain individual pieces of information may also be stored in combination with other individual pieces of information, and the maximum retention period may be determined by the purpose for which that information set is used.

XII. AMENDMENTS TO OUR PRIVACY POLICY

We reserve the right, at our sole discretion, to make changes to this Privacy Policy from time to time without notice, so please review it frequently. You may review updates to our Terms of Service and Privacy Policy at any time via links on the Website. Changes take effect immediately upon posting to the Website as reflected by the date at the top of the Privacy Policy.