This Privacy Policy describes how BIVU, Inc. ("BIVU") collects, uses, stores, shares, and protects your information whenever you use bivu.com and BIVU Services. By using the BIVU Site and BIVU Services, you consent to the data practices prescribed in this statement. We may periodically post changes to this Privacy Policy on this page, and it is your responsibility to review this Privacy Policy frequently. When required by law, we will notify you of any changes to this Privacy Policy.

HOW WE COLLECT INFORMATION ABOUT YOU

When you use BIVU Services, we collect information sent to us through your computer, mobile phone, or other access device. This information may include your IP address, device information including, but not limited to, identifier, device name and type, operating system, location, mobile network information, and standard web log information, such as your browser type, traffic to and from our site, and the pages you accessed on our website. BIVU does not intentionally collect information from or about any individual who is under 13 years old.

If you create an account or use BIVU Services, we, or our affiliates vendors acting on our behalf may collect the following types of information:

• Contact information - Your name, address, phone, email, and other similar information; and
• Financial information - Your full bank account and routing numbers.
• Identity verification information - We may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify your identity or address, and/or to manage risk. This information may include your date of birth, taxpayer or government identification number, a copy of your government-issued identification, or other personal information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.
• When you use BIVU Services, we collect information about your transactions and/or your other activities on our website and we may continuously collect information about your computer, mobile device, or other access device for fraud prevention purposes, to monitor for possible breach of your BIVU Account, and to identify any malicious software or other activity that may harm BIVU or its users.
• You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your BIVU account and authorizing BIVU to have access to this information, you agree that BIVU may collect, store, and use this information in accordance with this Privacy Policy.
• Finally, we may collect additional information you may disclose to our customer support team.

HOW WE USE COOKIES

When you access our website or content or BIVU Services, we or companies we work with may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to:

• Recognize you as a BIVU customer;
• Customize BIVU Services, content, and advertising;
• Measure promotional effectiveness; and
• Collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.
• We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent cookies remain on your browser until you erase them or they expire.

We also use Local Shared Objects, commonly referred to as "Flash cookies," to help ensure that your account security is not compromised, to spot irregularities in behavior to help prevent fraud, and to support our sites and services.

We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of BIVU Services. The help section of most browsers or browser add-ons provides instructions on blocking, deleting, or disabling cookies.

You may encounter BIVU cookies or pixel tags on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a cookie or pixel tag placed by the web page or application. Likewise, these third parties may place cookies or pixel tags that are not subject to our control and the BIVU Privacy Policy does not cover their use.

HOW WE PROTECT AND STORE PERSONAL INFORMATION

Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. This Privacy Policy does not apply to personal information that has been anonymized so that it does not and cannot be used to identify a specific user. BIVU takes reasonable precautions, as described herein, to protect your personal information from loss, misuse, unauthorized access, disclosure, alteration, and destruction.

We store and process your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, on our computers in the United States, and we protect it by maintaining physical, electronic, and procedural safeguards in compliance with applicable U.S. federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

We store our customers' personal information securely throughout the life of the customer's BIVU Account. BIVU will retain your personal information for a minimum of five years or as necessary to comply with our legal obligations or to resolve disputes.

HOW WE USE THE PERSONAL INFORMATION WE COLLECT

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

• Provide BIVU Services and customer support you request;
• Process transactions and send notices about your transactions;
• Resolve disputes, collect fees, and troubleshoot problems;
• Prevent and investigate potentially prohibited or illegal activities, and/or violations of our posted user terms;
• Customize, measure, and improve BIVU Services and the content and layout of our website and applications;
• Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences; and
• Verify your identity by comparing your personal information against third-party databases.
• We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or from allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or BIVU Services may not be available to you.

MARKETING

We will never sell or rent your personal information to third parties.

HOW WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES

We may share your personal information with:

• Third party identity verification services in order to prevent fraud. This allows BIVU to confirm your identity by comparing the information you provide us to public records and other third party databases. These service providers may create derivative data based on your personal information that can be used solely in connection with provision of identity verification and fraud prevention services;
• Service providers under contract who help with parts of our business operations such as bill collection, marketing, and technology services. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else;
• Financial institutions with which we partner;
• Companies or other entities that we plan to merge with or be acquired by. Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. You will receive prior notice of any change in applicable policy;
• Companies or other entities that purchase BIVU assets pursuant to a court-approved sale under U.S. Bankruptcy law;
• Law enforcement, and officials, or other third parties when:
  1. We are compelled to do so by a subpoena, court order, or similar legal procedure; or
  2. We believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement; and
  3. Other third parties with your consent or direction to do so.
• BIVU may use Plaid Technologies, Inc. ("Plaid") to verify your bank account. BIVU only shares your information with Plaid in accordance with this Privacy Policy. Information shared with Plaid is treated by Plaid in accordance with its Privacy Policy, available at https://plaid.com/legal/ - privacy-policy.

Before BIVU shares your information with any third party that is not acting as an agent to perform tasks on behalf of and under the instructions of BIVU, BIVU will enter into a written agreement requiring that the third party to provide at least the same level of privacy protection as required hereunder.

If you establish a BIVU account indirectly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a BIVU website) will be shared with the owner of the third party website or application and your information may be subject to their privacy policies.

In general, we will notify you of material changes to this policy by updating the last updated date at the top of this page, and we will provide you with explicit notice of material changes as required by law. We recommend that you visit this page frequently to check for changes.

HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION

You are entitled to review, correct, or amend your personal information, or to delete that information where it is inaccurate. This right shall only be limited where the burden or expense of providing access would be disproportionate to the risks to your privacy in the case in question, or where the rights of persons other than you would be violated. If you close your BIVU account, we will mark your account in our database as "Closed," but will keep your account information in our database for a period of time described above. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.