Privacy Policy

1. About this Privacy Policy

FundMore.ai Inc. ("FundMore," "we," "us," or "our") respects your privacy.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you:

• visit our websites and related webpages;
• subscribe to news or marketing communications;
• request a demonstration or contact our sales team;
• communicate with us through website chat or other forms;
• access a login page made available through our website;
• apply for employment with FundMore; or
• otherwise communicate with us about our business.

In this Privacy Policy, "personal information" means information that identifies, relates to, describes, or can reasonably be associated with an identifiable individual. The precise definition may vary under applicable law.

2. Scope of this Privacy Policy

This Privacy Policy applies to personal information FundMore collects through its public-facing website, marketing, communications, and recruitment activities.

FundMore products and customer data

FundMore provides technology and services to mortgage lenders, banks, and other organizations.

When FundMore processes information through its products or services on behalf of a customer, that processing is generally governed by FundMore's agreement with the customer, including any applicable data-processing terms. The customer may be responsible for determining why and how personal information is processed and for providing required notices to affected individuals.

A login link on our public website may direct you to a separate FundMore product or customer environment. Additional privacy terms may apply in that environment.

Do not submit borrower information through the public website

The public website, demo forms, chat functions, and recruitment forms are not intended for mortgage applications, borrower documents, credit reports, identification documents, financial account information, or other confidential loan information.

Please do not submit borrower information or upload mortgage documents through a general website form or chat. Customers should use only the secure channels identified in their FundMore agreements and product documentation.

This Privacy Policy does not apply to independently operated third-party websites or services, even where our website contains a link to them.

3. Personal Information We Collect

The information we collect depends on how you interact with us.

Information you provide

We may collect:

• your name, business email address, telephone number, job title, employer, and country or region;
• information included in a demo request, sales inquiry, support request, chat, survey, event registration, or other communication;
• newsletter and marketing preferences;
• account identifiers and authentication or session information where a FundMore login is made available;
• records of your communications with us; and
• information necessary to administer a business relationship.

Please provide only the information reasonably necessary for your request.

Recruitment information

When you apply for employment, we may collect:

• your name and contact information;
• your resume, employment history, education, qualifications, and professional credentials;
• application responses and preferred work location;
• work authorization information;
• interview notes, assessments, and communications;
• professional references, where appropriate;
• information provided by recruiters, references, or professional sources; and
• accommodation information that you choose to provide or that we are legally required to consider.

We may provide additional recruitment notices where required by applicable law.

Information collected automatically

When you use our website, we and our service providers may collect technical and usage information such as:

• Internet Protocol address;
• device type, operating system, and browser type;
• approximate location derived from an Internet Protocol address;
• referring and exit pages;
• pages viewed and features used;
• date and time of access;
• website interaction and diagnostic information;
• cookie, advertising, and similar identifiers; and
• your cookie and privacy preferences.

The technologies currently in use, their purposes, providers, and durations may be identified through our Cookie Settings interface.

Information from other sources

We may receive information from:

• service providers that support our website, communications, security, recruitment, or analytics;
• recruitment agencies and professional references;
• business partners where you have asked to be introduced to FundMore;
• publicly available professional sources, such as a corporate website or professional networking profile; and
• customers or prospective customers in connection with a business inquiry.

4. How We Use Personal Information

We may use personal information to:

• operate, maintain, secure, and improve our website;
• respond to inquiries and provide requested information;
• schedule and provide demonstrations;
• communicate about FundMore products, services, events, and news;
• administer website login and authentication functions;
• provide chat, support, and customer-service functions;
• understand website performance and user interactions;
• personalize website content where permitted;
• conduct advertising and measure campaign effectiveness where permitted;
• administer recruitment, assess applicants, and manage hiring;
• establish and manage customer, supplier, and business relationships;
• protect against fraud, misuse, cybersecurity threats, and other harmful activity;
• enforce our agreements and protect our legal rights;
• comply with legal, regulatory, tax, audit, and recordkeeping requirements;
• respond to lawful requests from courts, regulators, and public authorities; and
• create aggregated or de-identified information that does not reasonably identify an individual.

FundMore does not use personal information submitted through its public website, demo forms, chat functions, or recruitment forms to train FundMore's mortgage underwriting, risk-assessment, quality-control, or decision-support models.

FundMore does not use public-website information to make solely automated decisions that produce legal or similarly significant effects on individuals.

5. Legal Grounds for Processing

Our authority to process personal information depends on the applicable law and the circumstances.

In Canada, we obtain consent where required and may rely on other authority permitted by applicable privacy law.

Where European Economic Area or United Kingdom privacy laws apply, we may rely on one or more of the following legal bases:

• your consent;
• steps requested by you before entering into a contract;
• performance of a contract;
• compliance with a legal obligation;
• protection of vital interests in unusual circumstances; or
• our legitimate interests, such as operating and securing the website, responding to business inquiries, managing business relationships, preventing fraud, and improving our services, where those interests are not overridden by your rights and interests.

Where we rely on consent, you may withdraw it at any time, subject to legal and contractual restrictions. Withdrawal does not affect processing that occurred lawfully before withdrawal.

6. Cookies and Similar Technologies

We may use cookies, pixels, local storage, software-development tools, and similar technologies. These technologies may include the following.

Necessary technologies

Necessary technologies are used to operate and secure the website, remember privacy choices, enable authentication, balance website traffic, and provide functions requested by you. These technologies cannot generally be disabled through our website without affecting its operation.

Preference technologies

Preference technologies remember choices such as language, region, or other website settings.

Analytics technologies

Analytics technologies help us understand how visitors use the website, identify errors, measure traffic, and improve performance.

Advertising technologies

Advertising technologies may be used to measure campaigns, limit repeated advertisements, build audiences, or deliver advertising that may be more relevant to professional or business interests.

Where consent is legally required, FundMore will not activate non-essential analytics or advertising technologies until the required consent has been obtained.

You may accept, reject, or manage non-essential technologies through the Cookie Settings link available on the website. The Cookie Settings interface may provide the current list of technologies and providers, their purposes, and their applicable durations.

Browser settings may also allow you to block or delete cookies, although doing so may affect website functionality.

Where required by applicable United States law, we honour legally recognized opt-out preference signals, including the Global Privacy Control signal.

7. Marketing Communications

We may send marketing communications where permitted by applicable law, including where you have consented or where another legally recognized basis applies.

You may unsubscribe from marketing emails by using the unsubscribe link in the message or by contacting us. We may retain limited information on a suppression list so that we can honour your opt-out request.

Opting out of marketing does not prevent us from sending service, security, transactional, or other non-promotional communications.

Consent to receive marketing is not required to submit a demo request unless the marketing communication is necessary to provide the requested service.

8. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients.

Service providers

We may use service providers that support:

• website hosting and content delivery;
• cloud infrastructure and data storage;
• customer-relationship management;
• website analytics;
• advertising and campaign measurement;
• cookie and consent management;
• email and communications;
• chat and customer support;
• authentication and security;
• recruitment and applicant tracking;
• professional services; and
• business continuity and disaster recovery.

Service providers are permitted to process personal information only for the applicable services or as otherwise permitted by law and contract.

Customers and business partners

We may disclose information where you ask us to make an introduction, participate in a joint event, or otherwise provide a service involving a customer or business partner. We will seek consent where required.

Professional advisers and authorities

We may disclose information to lawyers, accountants, auditors, insurers, consultants, regulators, law-enforcement bodies, courts, and other authorities where reasonably necessary or legally required.

Corporate transactions

We may disclose information in connection with a proposed or completed financing, reorganization, merger, acquisition, sale of assets, insolvency proceeding, or similar transaction, subject to appropriate confidentiality and legal protections.

Protection of rights and security

We may disclose information where reasonably necessary to investigate fraud or security incidents, enforce agreements, protect FundMore or others, or respond to an emergency.

9. Sale, Sharing, and Targeted Advertising

FundMore does not sell personal information for monetary consideration.

Some analytics or advertising technologies may disclose online identifiers, device information, and website activity to third parties. Certain United States privacy laws may define these disclosures as a "sale," "sharing," or processing for "targeted advertising," even where no money is exchanged.

Where applicable, you may opt out using the Your Privacy Choices or Cookie Settings link on our website.

FundMore does not knowingly sell or share the personal information of individuals under 18.

10. International Processing and Transfers

FundMore is based in Canada and serves organizations in Canada, the United States, the United Kingdom, Europe, Australia, and other locations.

Personal information collected through the website may be stored or processed in Canada and the United States. Service-provider personnel may also access information from those countries.

Privacy and government-access laws in another country may differ from those in your home jurisdiction. FundMore takes steps intended to ensure that international transfers comply with applicable law.

Where an approved transfer mechanism is legally required, FundMore will implement the applicable mechanism before making the transfer. Depending on the jurisdiction, this may include contractual safeguards, transfer assessments, supplementary security measures, or another legally recognized mechanism.

Individuals in the European Economic Area or United Kingdom may contact FundMore for information about applicable transfer safeguards.

11. Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to satisfy legal, regulatory, accounting, security, contractual, and dispute-resolution requirements.

In determining an appropriate retention period, we consider:

• the nature and sensitivity of the information;
• the amount of information involved;
• the purpose for which it was collected;
• whether the purpose can be achieved by other means;
• the duration of the relevant business or recruitment relationship;
• applicable limitation periods;
• legal and regulatory requirements; and
• security, fraud-prevention, and recordkeeping needs.

Generally:

• demo and business inquiry information is retained while we respond to the inquiry and for a reasonable period associated with the resulting business relationship;
• marketing information is retained until you opt out or it is no longer needed, with limited suppression information retained to honour an opt-out;
• cookie and website analytics information is retained for the periods identified in Cookie Settings;
• security records are retained for a period appropriate to investigate threats and protect our systems; and
• applicant information is retained for the recruitment process and for a reasonable period afterward to administer hiring, consider future roles where legally permitted, respond to claims, and satisfy legal obligations.

We delete, anonymize, or securely isolate information when it is no longer required, subject to backup, legal-hold, and technical limitations.

12. Security

FundMore uses administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, loss, or destruction.

The safeguards applied depend on the nature and sensitivity of the information and may include:

• access controls;
• authentication;
• encryption;
• logging and monitoring;
• personnel controls;
• service-provider requirements;
• incident-response processes; and
• secure disposal practices.

No website, transmission method, or storage system is completely secure. You should not submit confidential borrower, financial, identity, or mortgage information through ordinary email, website chat, or general website forms.

13. Your Privacy Rights and Choices

Depending on your location and subject to legal exceptions, you may have the right to:

• request access to personal information we hold about you;
• request correction of inaccurate or incomplete information;
• request deletion of personal information;
• withdraw consent;
• object to or restrict certain processing;
• receive certain information in a portable format;
• opt out of sale, sharing, or targeted advertising;
• limit certain uses of sensitive personal information where applicable;
• appeal a refusal of a privacy request where applicable; and
• complain to a privacy or data-protection regulator.

You may submit a request using the contact information below. We may need to verify your identity before completing a request.

Where permitted, an authorized agent may submit a request on your behalf. We may require evidence of the agent's authority and verification of your identity.

We will not unlawfully discriminate against you for exercising a privacy right.

We may deny or limit a request where permitted or required by law, including where information:

• is subject to legal privilege;
• must be retained by law;
• relates to another person;
• cannot be located after a reasonable search; or
• falls within another legal exception.

Residents of Canada may have the right to complain to the Office of the Privacy Commissioner of Canada or an applicable provincial privacy commissioner. Individuals in the European Economic Area may complain to their local supervisory authority. Individuals in the United Kingdom may complain to the Information Commissioner's Office. Individuals in Australia may complain to the Office of the Australian Information Commissioner, subject to applicable complaint procedures.

We encourage you to contact FundMore first so that we can attempt to address your concern.

14. Recruitment

FundMore uses applicant information to:

• receive and administer applications;
• communicate with candidates;
• evaluate qualifications and suitability;
• arrange interviews and assessments;
• verify information where permitted;
• manage accommodations;
• maintain recruitment records;
• protect FundMore's legal rights; and
• satisfy employment, immigration, equality, and other legal requirements.

Applicant information may be disclosed to recruitment providers, applicant-tracking providers, interviewers, advisers, screening providers, and authorities where permitted or required.

FundMore will provide any additional notice and obtain any authorization required before conducting a background check or collecting information from a third-party screening provider.

Applicants should not include medical information, government identification numbers, financial information, or other sensitive information in a resume unless FundMore has specifically requested it through an appropriate process.

15. Children

The website and FundMore's business services are intended for organizations and adult professionals. They are not directed to children.

FundMore does not knowingly collect personal information from children through the public website. A parent or guardian who believes a child has submitted personal information may contact us to request its deletion.

16. Changes to this Privacy Policy

We may update this Privacy Policy to reflect changes to our practices, technologies, services, or legal obligations. We will post the updated version on our website and revise the "Last updated" date.

Where legally required, we will provide additional notice or request consent before applying a material change.

17. Contact FundMore

Questions, complaints, and privacy requests may be directed to: