Privacy Policy

1. About This Policy

LQD LLC, which operates under the name LQD ("LQD," "we," "us," or "our"), respects the privacy of everyone who visits lqdasset.com (the "Site"), reaches out to us with a question, or works with us on a capital arrangement. This policy sets out the personal information we gather, the reasons we use it, the parties we may share it with, and the ways we keep it protected.

When you use the Site or send us an inquiry, you confirm that you have read and understood this policy and accept how it works. If any part of it is not acceptable to you, please stop using the Site and refrain from submitting information to us.

This policy covers information gathered through the Site, through direct contact such as telephone, email, or written correspondence, and through the delivery of our private lending services. It does not extend to any third party that may be linked from or connected to the Site; those parties operate under their own privacy policies.

2. Information We Gather

Across our operations, we handle a number of different categories of information.

Details you give us directly. If you send an inquiry through the Site, reach us by phone or email, or move forward with our lending services, we may obtain the following:

• Identity details such as your full name, address, date of birth, and government-issued identification numbers
• Ways to reach you, including your email address, telephone number, and mailing address
• Asset details, including descriptions, photographs, appraisals, titles, and supporting paperwork for any item you propose as collateral
• Financial details, gathered where needed for regulatory compliance or loan paperwork, including material bearing on beneficial ownership
• Records of our correspondence, such as the substance of emails, calls, and written exchanges with our team
• Transaction details, including the terms of loan arrangements, payment history, and associated documentation

Details captured automatically. As you browse the Site, our servers and outside analytics tools may record the following on their own:

• Device and browser signals, including IP address, browser type, device type, and operating system
• Activity on the Site, such as the pages you open, how long you stay, the links you follow, and the sites that referred you
• Cookie information, including session identifiers, preference cookies, and analytics cookies (described further in Section 8)
• UTM tags and campaign attribution data when you reach us through a marketing link

Details from outside sources. While carrying out our lending work, we may obtain information from parties such as:

• Verification and underwriting specialists brought in to assist with a review
• Title and lien search providers confirming who owns an asset
• Insurers verifying that coverage is in place on pledged property
• Regulatory databases and compliance screening tools that we are legally required to consult

3. Why We Use Your Information

The information we hold supports the purposes listed below.

• Reviewing and processing inquiries: examining your request, evaluating the assets offered as collateral, performing due diligence, and drafting preliminary capital offers and loan paperwork
• Servicing active arrangements: maintaining loan accounts, handling payments, keeping you updated on loan status, and enforcing the agreed terms
• Meeting legal duties: satisfying anti-money laundering (AML), Bank Secrecy Act (BSA), and other applicable rules, including identity checks and beneficial ownership records
• Staying in touch: answering your questions, sharing information about what we offer, and sending operational messages tied to your account or inquiry
• Refining what we offer: studying how the Site is used, spotting opportunities to improve, and building new services or features
• Safeguarding our legal position: recording transactions, keeping records for legal and regulatory reasons, and upholding our contractual rights
• Marketing messages: where you have clearly agreed, sending details about our services, market updates, and other material of interest, with the option to unsubscribe whenever you wish

4. Legal Grounds and State Privacy Rights

For people in California and other places where privacy statutes apply, we rely on the following grounds to process personal information: carrying out a contract (handling your inquiry and servicing any loan that results), meeting legal duties (regulatory and AML obligations), pursuing legitimate business interests (improving our services and defending our legal rights), and obtaining consent (for marketing and other optional uses).

Residents of California hold particular rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These include learning what personal information we collect, asking us to delete it (with certain exceptions), asking us to correct anything inaccurate, opting out of any sale of personal information (we do not sell it), and being treated fairly when you use these rights. Reach out to us through the details in Section 11 to act on any of them.

5. When We Share Information

We never sell, rent, or trade your personal information so that others can market to you. Sharing happens only in the narrow situations set out below.

• Vendors and advisors: title search firms, storage and custody providers, legal counsel, compliance advisors, and technology suppliers that help run our business, each bound by confidentiality terms and data protection agreements
• Capital sources and network partners: where funding for your inquiry comes from or is co-arranged with affiliated capital providers or partners, we may pass along the information needed to assess and structure the deal, subject to confidentiality terms
• Legal and regulatory demands: to satisfy applicable laws, regulations, or legal process, including valid requests from government bodies, court orders, or regulatory inquiries
• Corporate changes: as part of a merger, acquisition, reorganization, or sale of some or all of our business, in which case your information may move with that transaction
• Defending people and rights: where we judge disclosure necessary to protect our rights, your safety, or the safety of others, to look into fraud, or to enforce our agreements

Every outside party that receives personal information must uphold suitable security standards and may use the information only for the purposes set out in its agreement with us.

6. How Long We Keep Information

We hold personal information only for as long as the purpose behind it requires, including any need to meet legal, regulatory, accounting, or reporting duties. Where an inquiry does not lead to a lending arrangement, we generally keep the related information for three years afterward, which allows us to meet our compliance obligations. For arrangements that are completed, we keep records for at least seven years after the arrangement ends, in line with the financial regulations that apply to us.

Once information is no longer needed for its original purpose and no legal duty requires us to keep it, we take reasonable steps to destroy or anonymize it securely.

7. Keeping Your Information Safe

We apply reasonable technical, administrative, and physical safeguards intended to shield your personal information from unauthorized access, disclosure, alteration, or loss. Among these are encrypted transmission of data (HTTPS/TLS), access limits that restrict information to staff who genuinely need it, secure storage of documents, and periodic reviews of our systems and practices.

Even so, no safeguard is foolproof, and we cannot promise that our measures will stop every unauthorized attempt to reach personal information. Should you suspect that your information has been exposed through your dealings with us, contact us right away using the details in Section 11.

8. Cookies and Similar Technologies

The Site relies on cookies and comparable technologies to improve your experience and to gather analytics. A cookie is a small text file placed on your device when you open a website.

The cookies we use fall into these groups:

• Essential cookies: needed for the Site to work; turning them off would interfere with your ability to use the Site.
• Analytics cookies: show us how people navigate the Site, which pages draw the most attention, and where visitors come from, so we can make improvements. Tools such as Google Analytics may be involved.
• Advertising cookies: follow visitors across sites so we can present relevant ads. Where the law requires it, we use these only with your consent.

You can manage cookies through your browser, which in most cases lets you block or erase them. Bear in mind that turning off certain cookies may limit some Site features. To opt out of Google Analytics, visit https://tools.google.com/dlpage/gaoptout.

9. Links to Other Sites

You may find links on the Site pointing to outside websites such as auction platforms, valuation tools, and industry references. Each runs under its own privacy policy, which we suggest you read. We take no responsibility for the privacy practices or the content of those websites, and providing a link does not mean we endorse how the linked site handles privacy.

10. Minors

Neither the Site nor our services are aimed at anyone under 18, and we do not knowingly gather personal information from minors. A parent or guardian who believes a child has shared information with us should contact us without delay. If we learn that we have collected a minor's information without confirmed parental consent, we will act to delete it from our systems.

11. Your Choices and How to Use Them

Subject to where you live, you may be entitled to access, correct, delete, restrict, or object to how we process your personal information, and to request a copy of your data in portable form. To use any of these rights, or to raise a question about this policy, get in touch with us:

Using your privacy rights will never lead us to treat you unfairly. In most cases, requests to know what we hold, to delete information, or to opt out of any sale (which we do not carry out) are handled at no cost to you.

12. Updates to This Policy

We may revise this policy whenever needed. If a change is significant, we will refresh the "Last Updated" date shown at the top of the page and, where suitable, give further notice such as a banner on the Site or a direct message to active clients. Continuing to use the Site or our services after we give notice of a material change means you accept the revised policy.

Checking back on this policy from time to time is a good way to stay aware of how we look after your information.

13. Governing Law

The laws of the State of Florida govern and shape how this policy is interpreted, without applying its conflict of law rules, together with any federal law that applies. Disputes connected to this policy fall within the exclusive jurisdiction of the courts sitting in Palm Beach County, Florida.

14. Reach Out to Us

Please feel free to contact us with any question, concern, or request about this policy or the way we handle your personal information. We treat privacy matters seriously and will respond promptly to whatever you bring to us.

LQD is dedicated to managing your personal information responsibly and in keeping with the privacy laws that apply to us. We aim to earn and hold your trust by handling data in a way that is transparent, lawful, and respectful.

LQD LLC · LQD · (516) 762-4200 · info@lqdasset.com · lqdasset.com