Martimus, LLC Online Privacy Policy

This U.S. Online Privacy Policy ("Policy") applies to the use of online services owned or controlled by Martimus, LLC (“Martimus”), including, but not limited to, our website and mobile applications (“online sites”). The terms “we,” “our,” and “us” in this Policy refer to Martimus. This Policy describes how we may collect, share, use, and protect information about you based on your interaction with our online sites, advertisements, third-party websites, and Martimus, LLC branded social media sites, and the choices you can make about how your information is collected and used. This policy applies to information collected online only. By using our online sites, you agree to the terms and conditions of this Policy and consent to our use of cookies and similar technologies.

As you review this policy, please keep in mind that: This Policy is intended to cover our U.S. customers. If you access our online sites, your information may be transferred or processed in the U.S. Personal information that you share on Martimus, LLC managed social media pages, such as Facebook and Twitter, is subject to the privacy policies and terms of use of those platforms. Please refer to those policies before posting any content to those pages. You should NEVER provide personal information to Martimus, LLC through public social media pages. Our online sites are not intended for children under the age of 13. We do not knowingly collect personal information from individuals under the age of 13 without parental consent. To learn more about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission’s website at https://www.ftc.gov/. California residents, please find a link to our California Privacy Statement at the bottom of this Policy.

What Information We Collect:

Personal Information

When you visit our site, we collect personal information that you provide, including in our forms, applications, surveys, and other online fields. This information may include your name, mailing or email address, telephone number(s), account number(s), and other personal information you may provide. If you have a financial product or service with us, we will share and use any information we collect from or about you in accordance with our Privacy Notice, which offers some choices with respect to the use and sharing of your personal information.

Non-Personal Information

Martimus, LLC and service providers acting on our behalf may also collect non-personal information from your use of our online sites. This information may include your IP address, browser, and/or device information, including location information (if enabled on your device), type of operating system you are using, information about the site or advertisement that brought you to our online site, and the parts of our online sites that you visit.

You have choices to limit the ways your non-personal information is collected and used. Please view our Privacy Notice.

How We Collect Information:

We collect information through various means, including the information you provide directly to us on our online sites, information collected through third parties, as described below, and in an automated fashion, through your browser, cookies, pixel tags, clear gifs, web beacons, flash cookies, and other technologies.

Pixel Tags, Clear GIFs, Web Beacons, and Flash Cookies: Transparent tags that are placed on a website, email, or other message and are used to measure the actions of the visitor opening the page that contains the clear GIFs and allow us to evaluate the effectiveness of our communications, detect and prevent fraud, and generate advertising content.

Cookies: Small text files that are stored on your computer or mobile device that allow us to collect certain information, such as your browser type, the time you spend on our online sites, and the pages you visited. Many internet browsers allow you to refuse cookies, but doing so may cause you to be unable to access certain parts of our services. For more information on opting out of certain tracking, see the "Your Choices" section below.

Third-Party Information

Martimus, LLC contracts with advertising companies to advertise our products and services on third-party websites and mobile applications. We may use other information we collect as described above to assist these advertising companies in selecting which of our advertisements and offers may appeal to you. Please visit third-party websites and mobile applications for their privacy policies. We may also collect information about you from other online and offline sources, including our affiliates, credit reporting agencies, and other third-party sources as permitted by law.

How We Use Information

The information Martimus, LLC collects from and about you is used to enhance your service and experience on our online sites. We may use your information to:

- Process your requests, transactions, applications, and inquiries

- Verify your identity using location-based data

- Provide you with updates on your accounts, products, and services, such as changes to terms, conditions, or policies

- Inform you about important information, products, or services for which you apply to or may be interested in applying for, or in which you are already enrolled

- Monitor website usage and/or performance, improve customer experience on our website, ensure technological compatibility with visitors' computers or other electronic or mobile devices, or conduct aggregate analyses on usage patterns

- Perform analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view

- Deliver advertising to you directly or on third-party websites

- Allow you to access your online accounts

- Recognize you when you return to our sites

- Maintain risk management and control

- Detect and prevent fraud and increase the security of our online services

- Provide you with personalized offers and customize your experience with Martimus, LLC

- Allow you to participate in surveys and other forms of market research, sweepstakes, contests, and similar promotions, and administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared

- Comply with applicable legal requirements

How We Share Information:

If you are a Martimus, LLC customer, we may share personal information that we collect about you with our service providers, affiliates, joint marketers, and non-affiliated third parties in accordance with our Privacy Notice and your preferences.

Service Providers, Affiliates, or Joint Marketers

We may disclose certain personal and non-personal information we collect from your use of our online sites to companies that perform services on our behalf, including those who assist us in processing transactions, preparing and mailing statements, and responding to user inquiries. In addition, we may disclose that information to service providers that perform marketing services for us and to financial institutions with whom we have joint marketing agreements.

Non-Affiliated Third Parties

We may disclose information about you to non-affiliated third parties as required or permitted by law, such as to comply with a subpoena, respond to inquiries from government authorities, or defend legal actions.

Your Choices

Do Not Track / Targeted Advertising

Your browser may allow you to choose to not have your activities tracked.

We or our third-party advertising service providers, including network advertising companies, may use certain information about your online activities, such as websites visited and search keywords entered, to help determine which of our advertisements may be of interest to you.

We or our third-party service providers may also associate the personal and other information that we collect online to recognize you and associate your devices with each other in order to provide you with seamless access and customize your user experience on our online sites across your devices. If you prefer not to receive targeted advertising based on your use of Martimus, LLC sites and products, you can opt out of some network advertising programs that use your information. Many network advertising programs also allow you to manage the interest categories as they apply to your online browsing activities. Please remember that even if you opt out of targeted advertising, you may still see our advertisements when you are browsing online. However, the advertisements may not be tailored to you and your interests.

Third-Party Sites

We may provide links to the online sites of third parties on our online sites. Please note that when you leave our online sites and visit a third-party site, your visit is governed by the privacy policies and practices of that website and not the Martimus, LLC website. We encourage you to review the terms of use and privacy policies of all third-party websites before you share any personally identifiable information with them.

Security

We maintain commercially reasonable security measures to protect your personal information collected through our site. We employ encryption technology, protecting data at each point of transfer. Data is collected on our site using SSL (Secure Sockets Layer) security. We utilize redundant systems (i.e., backup systems) to reduce the chance of data loss. We also use computer virus detection and eradication software on systems containing computer data. Firewalls are also employed to prevent unauthorized computer entry into systems containing your personal information.

Updating Your Information

It is important that your account information is accurate. Please visit Privacy Preferences to update or verify your contact information or to set your marketing preferences.

How to Protect Your Personal Information

It is important that you protect your personal information. We will never request personal information, such as social security numbers, account numbers, PINs, or passwords by email. If you receive an email asking for your personal information that appears to be sent from Martimus, LLC, please contact us at 1-855-678-5286 to report the suspicious activity.

Changes to this Policy

This Policy is effective as of October 1, 2019. We may periodically change this policy from time to time. When we make changes to this policy, we will let you know via effective means such as posting on our main web page. Changes to this privacy policy are effective as soon as they are published on this site.

***NOTICE****

PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEBSITE AND ITS PAGES (COLLECTIVELY, THIS "SITE"), YOU AGREE TO BE BOUND BY THESE TERMS OF USE AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED FROM TIME TO TIME AND POSTED ON THIS SITE BY Martimus, LLC, ITS PARENT, OR ANY AFFILIATE OR SUBSIDIARY (COLLECTIVELY, "Martimus, LLC"). IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS OF USE, DISCONTINUE YOUR ACCESS TO THIS SITE IMMEDIATELY.

COPYRIGHT NOTICES © 2021 Martimus, LLC. All rights reserved.

The works of authorship contained in this Site, including, but not limited to, the text, design, software, images, graphics, sound, recordings, images, source code, and content are owned by Martimus, LLC. Certain screen layouts, graphics, and graphic user interfaces contained in this Site that are not owned by Martimus, LLC are licensed to Martimus, LLC. Such works of authorship and licensed materials are protected by the United States and international copyright laws and treaties and may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, linked, transferred, sold, or otherwise used for public or commercial purposes without the express written consent of Martimus, LLC.

TRADEMARK AND SERVICE MARK NOTICE

Martimus, LLC, the “M” Martimus Logo, Martimus, LLC Select, Martimus, LLC Universities and design, Martimus, Your Security Comes First are trademarks of Banco Martimus, LLC, S.A. or its affiliates or subsidiaries in the United States or other countries. Certain featured words or symbols used in this Site to identify third parties and/or their goods and services may be the trademarks or service marks of such third parties. You may not use for public or commercial purposes any of the trademarks or service marks in this Site without the express written consent of Martimus, LLC or, as applicable, the third‑party trademark or service mark holders.

SUBMISSIONS

All information submitted to Martimus, LLC via this Site shall be deemed to be and remain the property of Martimus, LLC, and Martimus, LLC shall be free to use, for any purpose, the ideas, concepts, know‑how, or techniques contained in such information. Martimus, LLC shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed or as otherwise required by law.

USE OF INFORMATION AND MATERIALS

This Site is provided for informational purposes only and is not offered as financial advice. The content in this Site, including the terms, conditions, and descriptions herein are subject to change without prior notice and without liability to you. Unauthorized use of, or entry into, this Site, or the misuse of passwords or information contained within this Site, is strictly prohibited. Certain features of products and services described, such as interest rates, may differ among geographic locations. Not all products and services featured in this Site are available in all geographic areas. Your eligibility for particular products and services is subject to final acceptance by Martimus, LLC or third‑party providers, as applicable. With regard to the information, products, and services offered by this Site, no distribution or solicitation is made by Martimus, LLC to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law. The information contained in this Site is not intended as an offer or solicitation for the purchase of the stock of Banco Martimus, LLC, S.A. or any other security or any financial instrument. Martimus, LLC reserves the right to terminate any and all website offerings or transmissions without prior notice. Any communication on this Site does not alter or supersede any customer agreement you have with Martimus, LLC.

POTENTIAL DISRUPTION OF SERVICE

Access to the Site may be unavailable, delayed, limited, or slowed from time to time due to the following, among other things:

Hardware failure, including, among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment. Software failure, including, among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents, or other content.

Overload of system capacities.

Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdowns, or natural disasters. Interruption (whether partial or total) of power supplies or other utility of service. Strike or other stoppage (whether partial or total) of labor. Governmental or regulatory restrictions, exchange rulings, court or tribunal orders, or other human intervention. Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Martimus, LLC.

LINKS TO OTHER SITES

In this Site, Martimus, LLC may establish links and pointers to Websites maintained and operated by third parties for you to access at your sole discretion. The establishment of any link in this Site does not imply an endorsement or recommendation by Martimus, LLC of any opinions, ideas, goods, products, information, or services offered through such linked Websites. Your participation in any linked site, including payment for, and the delivery of, any goods, products, or services, is based solely upon your relationship with the linked Website provider. Martimus, LLC has no control over such third‑party Websites and makes no warranties or representations as to any content in, or goods, products, or services offered through, such third‑party Websites. You expressly agree that Martimus, LLC is not responsible for any losses or damages in connection with your access to, use of, or inability to use such Websites or the contents or goods, products, or services offered through such Websites.

DISCLAIMER OF WARRANTIES

ACCESS AND USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE AND ITS CONTENTS, INCLUDING ALL TEXT, DESIGN, SOFTWARE, IMAGES, GRAPHICS, SOUND, RECORDINGS, IMAGES, SOURCE CODE, AND LINKS OR OTHER ITEMS, IS PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR INFRINGEMENT. FURTHER, NO WARRANTY IS MADE THAT THIS SITE SHALL BE UNINTERRUPTED OR FREE FROM ERRORS, VIRUSES, OR OTHER HARMFUL CODE.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL Martimus, LLC BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, LOST OPPORTUNITY, OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, THAT ARISES OUT OF, OR IS IN ANY WAY CONNECTED WITH, THE USE OR INABILITY TO USE THIS SITE OR ANY PORITION THEREOF OR ANY LINKED SITE, EVEN IF Martimus, LLC IS ADVISED OF THE POSSIBILITY OF DAMAGES, LOSSES, OR LIABILITIES. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. YOU HEREBY RELEASE AND FOREVER WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST Martimus, LLC FOR LOSSES OR DAMAGES YOU SUSTAIN IN CONNECTION WITH YOUR USE OF THIS SITE.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Martimus, LLC and all of its respective directors, officers, employees, agents, successors, and assigns from and against all losses, liabilities, damages, claims, and expenses, including attorney's fees, arising out of, relating to, or resulting (directly or indirectly) from your violation of these Terms of Use or misuse of this Site, social media pages, or products or services provided via this Site.

Further, without limiting Martimus, LLC’s rights or your obligations under any other provision of these Terms and Conditions, and notwithstanding the same, in the event of any actual or reasonably suspected unauthorized access to the personal information of a customer (including, but not limited, to customer names, addresses, phone numbers, and credit card account numbers, income and credit histories, and social security numbers) under your control or subsequent to and arising from your past exercise of control, direct damages in connection with any such breach will include the cost and expenses of investigation and analysis (including by law firms and forensic firms), correction or restoration of any destroyed, lost or altered data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related cost. Martimus, LLC’s rights to indemnity under this section are in addition to all other rights and remedies available at Law or in equity. Any exercise by Martimus, LLC of its rights to indemnification shall be without prejudice to such other rights and remedies. You manifest your assent to this indemnity by accessing account data through this Site or Martimus, LLC’s systems, notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise. This indemnity includes but is not limited to losses associated with (1) a data breach of your system(s) and (2) a data breach of the system(s) of any person or entity with whom you provided or shared Martimus, LLC customer account data.

ADDITIONAL TERMS

Certain pages of this Site may contain separate terms and conditions that are in addition to these Terms of Use. In the event of a conflict, such separate terms and conditions shall govern the products and services offered or provided in such pages.

COOKIE DISCLOSURE, NOTICE, AND CONSENT

Martimus, LLC may use any number of tools to collect information about you, your computer access points, and the web browser that you use to connect to this Site. For example, cookies are tiny text files that we place on your computer’s hard drive when you visit this Site. We may use cookies to personalize your interactions with this Site. You do not have to accept our cookies and you may set your browser to restrict use and you may delete them after they have been placed on your hard drive. If you do not accept or delete our cookies, some areas of this Site may take more time to work or may not function properly.

RIGHT TO MODIFY OR TERMINATE

Martimus, LLC reserves the right to modify the products and services offered in this Site. Martimus, LLC also reserves the right to terminate your access to such products and services, or access to this Site, in whole or in part, at any time.

SEVERABILITY

In the event any of the terms or provisions of these Terms of Use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision.

GOVERNING LAW AND JURISDICTION

These Terms of Use constitute a contract between you and Martimus, LLC. You agree that your use of this Site shall be governed by, and construed in accordance with, the laws of the State of New York, without regard to the conflicts of laws thereof, and to the laws of the United States. You expressly agree to submit to the sole and exclusive jurisdiction of the state and Federal courts sitting in the City of New York, New York.

SOCIAL MEDIA TERMS OF USE

These terms of use, which include the guidelines for each social media community set forth below (collectively, these "Terms"), govern your access and use of the social media pages of Martimus, LLC, ("Martimus, LLC," "we," "us," or "our"). By accessing or using our social media pages, you agree that you have read and understand these Terms and you agree to be legally bound by these Terms, our polices, and those of third parties hosting our social media pages and applicable laws and regulations. If you should not agree, then you should not access or use our social media pages. We reserve the right, in our sole discretion, to modify these Terms at any time. Modifications are effective as soon as they are posted. We also reserve the right to waive or modify any of these Terms as they apply to a specific posting or individual without affecting the application of these Terms to all other postings and individuals.

Martimus, LLC is not responsible for the views and/or comments expressed by users of Martimus, LLC profiles with Facebook, Instagram, Twitter, LinkedIn, YouTube, and Google+ (“Martimus, LLC social media platforms”), which are owned by third parties unaffiliated with Martimus, LLC. Martimus, LLC does not assume any warranty concerning the truthfulness, accuracy, or updating of the information it contains. Martimus, LLC is not responsible for the privacy or security policies at these sites or other third‑party sites that may be linked to, from, or within them and does not assume liability for damage incurred by the use of said sites.

Martimus, LLC reserves the right to modify, suspend, cancel, or restrict the content of these profiles, the links, or the information obtained through it without prior notice.

RIGHTS TO CONTENT

For any content that you submit to our “Martimus, LLC social media platforms,” including, but not limited to, data, text messages, files, documents, images, photographs, videos, audiovisual works, musical compositions, sound recordings, postings, your and/or other persons' names, likenesses, voices, screen names, profiles, actions, appearances, performances and/or other biographical information or material, and any other materials you grant to Martimus, LLC and our successors and assigns, a perpetual, irrevocable, royalty‑free, transferable right, and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from and/or sell and/or distribute such content and/or incorporate such content into any form, medium, or technology throughout the world, on an unrestricted basis for any purpose, without the requirement of any permission from or compensation to you.

COMMENT AND POSTING POLICY

We expect conversations to follow the rules of polite discourse and we ask that participants treat each other, as well as our employees, with respect. We may delete comments or posts that we deem to be:

- Profane, obscene, inappropriate, disruptive, or unrelated

· Indecent, sexually explicit, or pornographic material of any kind, including masked profanity, where symbols, initials, intentional misspellings, or other characters are used to suggest profane language

· Threats, personal attacks, abusive, defamatory, derogatory, or inflammatory language, or stalking or harassment of any individual, entity, or organization

· Discriminatory comments that contain hateful speech of any kind regarding age, gender, race, religion, nationality, sexual orientation, or disability

· False, inaccurate, libelous, or otherwise misleading in any way

· Spam or containing or linking to any kind of virus, malware, spyware, or similar program that could cause harm to a user's computer

For the benefit of healthy discussion, we ask that comments remain on topic. This means that comments should relate to the topic that is being discussed within that wall post. While we welcome reasonable critiques, we may delete negative comments about Martimus, LLC and/or our competitors that aren't relevant and don't add to the overall experience.

We may delete comments that we deem to be off topic, including solicitations. In addition, we may remove identical posts by the same user or multiple users (a group of people sending identical messages or one person submitting under different aliases). In the case of identical posts, we will generally leave the first submission and delete the duplicates.

COPYRIGHT AND INTELLECTUAL PROPERTY POLICIES

In addition to our Rights to Content, please note the following copyright and intellectual property policies:

Infringement on any party's copyright, patent, trademark, trade secret, intellectual property, or other proprietary rights, or right of publicity or privacy, is strictly prohibited and is your sole responsibility. By submitting any content to our social media pages, you warrant and represent that you are the copyright owner of the content or that the copyright owner of the content has granted you permission to use such content consistent with the manner and purpose of your use. Using our social media pages to distribute unauthorized copies of copyrighted material, including photos, artwork, text, recordings, designs, computer programs, or derivative works of such programs is strictly prohibited and subject to our removal.

LINKS TO THIRD‑PARTY SITES

We may occasionally post links to third‑party sites when we think you'll find the information helpful. However, please note that this does not in any way constitute an endorsement of the site or company and third parties have different privacy policies than Martimus, LLC, and you should review the third party's privacy policy before providing any information about yourself on that site.

PRIVACY

Please note that with respect to each social media platform with which Martimus, LLC engages, Martimus, LLC follows that platform's privacy policy with respect to content you submit to Martimus, LLC's social media pages and Martimus, LLC complies with, and expects you to comply with, that social media platform's terms of use or other governing agreements. The guidelines for each community set forth below contain links to the applicable privacy policies. Martimus, LLC SOCIAL MEDIA PLATFORMS ARE PUBLIC SITES AND ANY INFORMATION YOU POST IS VIEWABLE BY OTHERS. TO PROTECT YOUR PRIVACY AND THE PRIVACY OF OTHERS, PLEASE DO NOT INCLUDE NONPUBLIC, PERSONALLY IDENTIFIABLE INFORMATION SUCH AS SOCIAL SECURITY NUMBERS, ACCOUNT NUMBERS, PHONE NUMBERS, OR E‑MAIL ADDRESSES IN ANY COMMENT OR POST. IF YOU DO INCLUDE PERSONALLY IDENTIFIABLE INFORMATION IN YOUR COMMENT, YOUR COMMENT OR POST MAY BE DELETED.

Martimus, LLC has a presence in various social media/social networking outlets and may occasionally identify and respond to customers seeking assistance with funding‑related issues. In the event a customer receives such a communication from Martimus, LLC in this capacity, the customer will be directed to other Martimus, LLC channels that most efficiently address those concerns.

CUSTOMER SERVICE INQUIRIES: You may receive assistance with commercial and consumer loans:

Website: www.martimusfinancial.com // Email: helpdesk@martimusfinancial.com