Legal Notice

Martimus Financial Corporation — Privacy Policy, Terms of Use, SMS Disclosures & Social Media Terms. Last updated: October 1, 2019.

Martimus Financial Corporation Online Privacy Policy

This U.S. Online Privacy Policy (“Policy”) applies to the use of online services owned or controlled by Martimus Financial Corporation (“Martimus,” “we,” “our,” or “us”), including, but not limited to, our website and mobile applications (“online sites”).

This Policy describes how we collect, use, share, and protect information based on your interaction with our online sites, advertisements, third-party websites, and Martimus-branded social media platforms.

By using our online sites, you agree to the terms of this Policy and consent to our use of cookies and similar technologies.

Important Information

This Policy applies to U.S. users only. Information may be processed in the United States. Social media platforms are governed by their own policies. We do not knowingly collect information from children under 13.

What Information We Collect

Personal Information: We collect information you provide through forms, applications, and communications, including your name, email address, phone number, business information, and any financial-related information you voluntarily provide.

Non-Personal Information: We may collect information such as your IP address, browser and device information, usage behavior, and referral source. We may also collect non-personal information through your browser, cookies, pixel tags, clear GIFs, web beacons, flash cookies, and other technologies.

How We Collect Information

We collect information through direct user input, cookies and tracking technologies, and third-party sources as permitted by law.

How We Use Information

We use your information to:

• Process applications, transactions, and inquiries
• Communicate regarding your request and provide account updates
• Verify your identity using location-based data
• Improve our services and customer experience
• Maintain security and prevent fraud
• Deliver advertising to you directly or on third-party websites
• Comply with applicable legal obligations

How We Share Information

We may share information with service providers, affiliates, or partners as permitted by law, and to comply with legal requirements. We do not sell your personal information or phone number to third parties for marketing purposes.

Your Choices

You may opt out of marketing communications, control cookie settings, and update your information at any time. To opt out of targeted advertising, visit your browser settings or the applicable opt-out link for advertising network programs.

Security

We use SSL encryption, firewalls, and secure redundant infrastructure to protect your data. We employ encryption technology protecting data at each point of transfer. We will never request personal information such as Social Security numbers, account numbers, PINs, or passwords by email. If you receive a suspicious communication appearing to be from Martimus Financial, contact us at (919) 457-5200.

Third-Party Links

We are not responsible for the privacy practices of third-party websites. We encourage you to review the terms and privacy policies of all third-party websites before sharing any personally identifiable information with them.

Changes to This Policy

This Policy is effective as of October 1, 2019. We may periodically update this policy. Changes are effective when posted on this site.

Terms of Use

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 Financial Corporation, its parent, or any affiliate or subsidiary (collectively, “Martimus Financial Corporation”). If you do not agree to be bound by these Terms of Use, discontinue your access to this Site immediately.

Copyright Notices

© 2026 Martimus Financial Corporation. All rights reserved. The works of authorship contained in this Site, including but not limited to the text, design, software, images, graphics, sound, recordings, source code, and content are owned by Martimus Financial Corporation and are protected by United States and international copyright laws and treaties. Such materials may not be modified, copied, reproduced, republished, uploaded, 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 Financial Corporation.

Trademark and Service Mark Notice

Martimus Financial Corporation, the “M” Martimus Logo, and associated marks are trademarks of Martimus Financial Corporation or its affiliates. You may not use any trademarks or service marks on this Site without express written consent.

Use of Information and Materials

This Site is provided for informational purposes only and is not offered as financial advice. Unauthorized use of, or entry into, this Site, or the misuse of passwords or information contained herein, is strictly prohibited. Not all products and services featured are available in all geographic areas. Your eligibility for particular products and services is subject to final acceptance by Martimus Financial Corporation.

Potential Disruption of Service

Access to the Site may be unavailable, delayed, limited, or slowed from time to time due to hardware failure, software failure, system capacity overloads, natural disasters, governmental restrictions, or other causes beyond the control of Martimus Financial Corporation.

Disclaimer of Warranties

ACCESS AND USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE AND ITS CONTENTS ARE 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. 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 FINANCIAL CORPORATION 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, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR INABILITY TO USE THIS SITE OR ANY LINKED SITE, EVEN IF MARTIMUS FINANCIAL CORPORATION IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES AND JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

Indemnification

You agree to defend, indemnify, and hold harmless Martimus Financial Corporation 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.

Cookie Disclosure, Notice, and Consent

Martimus Financial Corporation may use cookies and similar tracking tools to collect information about you and your web browser when you visit this Site. We may use cookies to personalize your interactions. You may set your browser to restrict cookies; however, some areas of this Site may not function properly without them.

Right to Modify or Terminate

Martimus Financial Corporation reserves the right to modify the products and services offered on this Site and to terminate your access, in whole or in part, at any time without notice.

Severability

In the event any provision of these Terms of Use is held unenforceable, the remaining terms shall be unimpaired, and the unenforceable term shall be replaced by an enforceable term that comes closest to the intention of the original.

Governing Law and Jurisdiction

These Terms of Use constitute a contract between you and Martimus Financial Corporation. 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 conflicts of law. 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 govern your access and use of the social media pages of Martimus Financial Corporation on Facebook, Instagram, Twitter, LinkedIn, YouTube, and Google+. By accessing or using our social media pages, you agree to be legally bound by these Terms, our policies, and those of third parties hosting our social media pages.

Comment and Posting Policy

We may delete comments or posts that we deem to be:

• Profane, obscene, inappropriate, disruptive, or unrelated to the topic
• Indecent, sexually explicit, or pornographic material of any kind
• Threats, personal attacks, abusive, defamatory, or inflammatory language
• Discriminatory comments containing hateful speech regarding age, gender, race, religion, nationality, sexual orientation, or disability
• False, inaccurate, libelous, or otherwise misleading
• Spam or containing links to viruses, malware, or spyware

Privacy on Social Media

MARTIMUS FINANCIAL CORPORATION SOCIAL MEDIA PLATFORMS ARE PUBLIC SITES. TO PROTECT YOUR PRIVACY, DO NOT INCLUDE NONPUBLIC, PERSONALLY IDENTIFIABLE INFORMATION SUCH AS SOCIAL SECURITY NUMBERS, ACCOUNT NUMBERS, PHONE NUMBERS, OR EMAIL ADDRESSES IN ANY COMMENT OR POST.

Rights to Content

For any content you submit to Martimus Financial Corporation social media platforms, you grant to Martimus Financial Corporation and our successors and assigns a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, adapt, publish, translate, create derivative works from, and/or distribute such content in any form, medium, or technology throughout the world for any purpose, without requirement of permission from or compensation to you.