Privacy notice – imfinancial

rev. August 2024

FACTSFACTS FACTS FACTS WHAT DOES IM FINAINCIAL DO WITH YOUR PERSONAL INFORMATION?

Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect, and share depend on the product or service you have with us. This information can include:Social Security Number Employment InformationAccount BalancesAccount and Transaction HistoryChecking Account Information and Payment History
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons IM Financial chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does IM Financial share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations.	Yes	No
For our marketing purposes—to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes—information about your transactions and experiences	Yes	No
For our affiliates to market to you	Yes	Yes
For nonaffiliates to market to you	No	We do not Share

To limitour sharing	Visit us online: https://www.im.financial/legal/privacy-policy-usPlease note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.However, you can contact us at any time to limit our sharing.
Questions?	Email us at support@IM.financial

Who we are
Who is providing this notice?	IM FINANCIAL
What we do
How does IM Financial protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does IM Financial collect my personal information?	We collect your personal information, for example, when youOpen an AccountProvide Account Information Apply for a LoanUse your debit cardDeposit Money Pay a BillWe also collect your personal information from third parties (such as platforms, affiliates and Financial Institutions we partner with).
Why can’t I limit all sharing?	Federal law gives you the right to limit onlyaffiliates from using your information to market to yousharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies.IM Financial and its subsidiaries and affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies.Nonaffiliates we share with can include service providers, data processors, retailers, financial services companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.Our joint marketing partners include financial service providers and financial institutions.
Other important information
FOR VERMONT RESIDENTS: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account.FOR CALIFORNIA RESIDENTS: We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by California law.FOR NEVADA RESIDENTS: We are providing this notice to you pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by writing to us at 3250 NE 1st Ave Suite 350, Miami, FL 33137. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protections, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us.State laws may also provide you with specific privacy protections. We will comply with applicable state laws with respect to our use of your information.