Credit Authorization Agreement

1. Introduction

This Credit Authorization Agreement ("Agreement") outlines how Abode Awhile ("we," "us," "our") collects, uses, and discloses your credit information in connection with your application for and use of our home equity investment services ("Services"). By accessing or using our Services, you agree to the terms of this Agreement. If you do not agree with these terms, please do not use our Services.

2. Consent to Obtain Credit Information

By submitting an application for our Services, you authorize us to obtain your credit report and other credit information from credit reporting agencies, financial institutions, and other relevant entities. This information will be used to evaluate your creditworthiness and eligibility for our Services, as well as for any other lawful purposes related to your account or transactions with us.

3. Information We Collect

We may collect the following types of credit-related information:

• Credit Reports: Information from your credit reports, including credit history, credit scores, payment history, outstanding debt, and other related data.
• Financial Information: Information about your income, assets, liabilities, and other financial details that are relevant to your application and our evaluation process.
• Public Records: Information from public records, such as bankruptcy filings, tax liens, judgments, and other legal matters.
• Verification Information: Information used to verify your identity, employment, income, and other details provided in your application.

4. How We Use Your Credit Information

We use your credit information for various purposes, including but not limited to:

• Evaluating Eligibility: To assess your eligibility for our home equity investment services and determine your creditworthiness.
• Processing Applications: To process your application, verify the information you provide, and make informed decisions about your request for services.
• Servicing Your Account: To manage and service your account, including processing transactions, responding to inquiries, and providing customer support.
• Legal and Regulatory Compliance: To comply with legal and regulatory requirements, including reporting and auditing obligations.
• Fraud Prevention and Risk Management: To prevent, detect, and investigate fraud, security breaches, and other potentially harmful activities.

5. Sharing Your Credit Information

We may share your credit information with:

• Credit Reporting Agencies: To obtain your credit reports and update your credit profile as required.
• Service Providers: Third-party vendors who perform services on our behalf, such as credit verification, data analysis, and other related services. These providers are contractually obligated to protect your information and use it only for the purposes for which it was shared.
• Business Partners: Trusted partners with whom we collaborate to offer you additional products and services that may be of interest to you. These partners are also required to protect your information and use it only for the agreed purposes.
• Legal and Regulatory Authorities: When required by law, such as to comply with a subpoena, legal proceeding, or similar legal process, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.
• Corporate Transactions: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or use of your personal information.

6. Your Rights

You have certain rights regarding your credit information:

• Access and Review: You have the right to access and review the credit information we have collected about you. You can request a copy of this information by contacting us at the address provided below.
• Correction: If you believe that any of the information we have about you is inaccurate, you have the right to request a correction. We will make reasonable efforts to update our records.
• Withdrawal of Consent: You can withdraw your consent to our collection and use of your credit information at any time. However, withdrawing your consent may affect our ability to provide you with our Services and may result in the termination of your account.

7. Data Security

We implement a variety of security measures to protect your credit information from unauthorized access, use, or disclosure. These measures include:

• Encryption: We use encryption technologies to protect sensitive information transmitted online.
• Access Controls: Access to your information is restricted to authorized personnel who need it to perform their job duties.
• Regular Monitoring: We regularly review our security practices to protect your information from unauthorized access and ensure compliance with industry standards.

Despite these measures, no security system is impenetrable. We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

8. Changes to This Agreement

We may update this Agreement from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Agreement on our Site and updating the "Last Updated" date. Your continued use of the Services after any changes indicates your acceptance of the updated Agreement.

9. Contact Us

If you have any questions about this Agreement or our credit information practices, please contact us at:

Abode Awhile

8 THE GRN STE R

Dover, DE 19901

Legal@abodeawhile.com

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This Credit Authorization Agreement was last updated on June 1, 2024.