Last modified: December 4, 2017

I. GENERAL

Forward Financing (“Company” or “we”) respects your privacy and is committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website http://www.forwardfinancing.com and any of the Company’s sub-domains (collectively, “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information. Terms defined in our Terms of Use shall have the same meaning when used herein.

This policy applies to information we collect:

• On this Website.

• In e-mail, 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:

• Company offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or

• Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, please exit the Website immediately. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time, without notice. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, and it is your sole responsibility to check the policy periodically for updates.

II. WHAT WE COLLECT AND HOW WE DO IT

We collect several types of information from and about users of our Website, including but not limited to information:

• By which you may be personally identified, such as name, postal address, e-mail address, telephone number, social security number and other personally identifiable information (“personal information”);

• That is about you but individually does not identify you; and/or

• 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.

• From third parties, for example, our business partners.

The information we collect on or through our Website may include:

• Information that you provide by filling in forms on our Website. This includes information provided 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.

• Records and copies of your correspondence (including e-mail addresses), if you contact us.

• Your responses to surveys that we might ask you to complete for research purposes.

• Details of transactions you carry out through our Website, including financial information.

• Your search queries on the Website, if any.

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 but not limited to:

• 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.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). The information we collect automatically may include personal information, and we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us 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.

The technologies we use for this automatic data collection include but are not limited to:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting.

• g on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.

• Web Beacons. 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 do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or that you provide to us.

III. THIRD-PARTY TRACKING

Some content or applications, including advertisements, on the Website are provided by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third-parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

IV. HOW WE USE YOUR INFORMATION AND WHO WE SHARE IT WITH

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 provide you with notices about your account, including expiration and renewal notices.

• 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.

• To contact you about our own and third-parties’ goods and services that may be of interest to you.

• To allow you to participate in interactive features on our Website.

• In any other way we may describe when you provide the information.

• For any other purpose.

We may share information that we collect about you as follows:

• With third-party credit reporting services when we request a credit report on your behalf or to any potential source of funding to whom you instruct us to identify you through the services;

• With third parties to provide, maintain, and improve our services;

• With any third party that referred you to the Website;

• To respond to subpoenas, court orders, or legal processes;

• In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Use, 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 offered on our Website;

• Non-personalized, anonymous data may be aggregated with data from other users and/or data sources and shared with partners or for marketing purposes;

• 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

• As otherwise required by law.

V. HOW TO MANAGE YOUR INFORMATION

You may use the following mechanisms to control your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of the Website may then be inaccessible or not function properly.

Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by sending us an e-mail stating your request to compliance@forwardfinancing.com.

Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by sending us an e-mail stating your request to compliance@forwardfinancing.com. If we have sent you a promotional e-mail, you may send us a return e-mail asking to be omitted from future e-mail distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience or other transactions.

Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by sending us an e-mail stating your request to compliance@forwardfinancing.com. For this opt-out to function, you must have your browser set to accept browser cookies. We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

VI. USE OF THE WEBSITE BY UNDERAGE INDIVIDUALS

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any personal information to or on the Website. 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, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website 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 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.

VII. CHANGES TO YOUR INFORMATION

You can review and change your personal information by logging into the Website and visiting your account profile page. You may also send us an e-mail at compliance@forwardfinancing.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your Account. We will not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

VIII. CALIFORNIA PRIVACY RIGHTS

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to compliance@forwardfinancing.com.

IX. SECURITY

We take reasonable measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. You acknowledge, however, that no system is perfectly secure. You use the Website, and provide us with your personal information, at your own risk.

X. 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 Use and Privacy Policy at any time via links on the Website. Consistent with our Terms of Use, you agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on the Website and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. Changes take effect immediately upon the earlier of posting or distribution of electronic communication.

XI. CONTACT US

To ask questions or comment about this privacy policy and our privacy practices, contact us at: compliance@forwardfinancing.com.

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