Delta Financial Ratios ("DFR," "we," "our," or "us") respects your privacy and is committed to protecting the privacy and security of your financial and personal information. This Privacy Policy explains how information is collected, used, and protected when you visit our website, use our mobile applications, or engage with our financial services.

This policy is designed to comply with applicable federal and state data protection laws, including the California Privacy Rights Act (CPRA), the Virginia Consumer Data Protection Act (VCDPA), and the Colorado Privacy Act (CPA).

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1. General Information

You may visit our website without providing personal information.

Personal data is collected only when you voluntarily submit it through forms, applications, or communications with us.

Information provided will be used solely for the purpose for which it was submitted, such as responding to inquiries, processing applications, providing program updates, and improving service delivery.

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2. Information Collected Automatically

When you visit our website, certain technical information may be collected automatically using web analytics technologies to improve performance and security. This may include:

• Date and time of access

• Pages visited

• IP address and domain

• Browser and operating system

• Referring website

• Page request status and file size

This technical data does not personally identify individual users. The information is used to improve user experience, monitor system performance, prevent fraud or abuse, and enhance website security.

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3. Information You Provide Voluntarily and Categories Collected

We collect personal information only when you choose to provide it through application forms, contact forms, support requests, status tracking requests, or surveys and feedback submissions. In connection with our financial services and state law requirements, we collect the following categories of information:

• Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.

• Financial and Commercial Information: Bank account numbers, credit/debit card numbers, insurance policy numbers, income information, asset values, credit history, credit scores, tax identification numbers, investment history, and records of financial products or services purchased, obtained, or considered.

• Internet or Other Electronic Network Activity Information: Browsing history, search history, and information regarding your interaction with our website, application, or online advertisements.

• Geolocation Data: Precise or general geographic location data associated with your device or transaction processing.

• Audio, Electronic, or Visual Information: Call recordings when you contact customer service, or video surveillance footage at our physical branch locations.

• Sensitive Personal Information (under CPRA, VCDPA, and CPA): Social Security numbers, driver’s license numbers, financial account credentials (usernames and passwords), precise geolocation, and racial or ethnic origin.

• Supporting Documents: Identification details and documents submitted for verification.

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4. Sources of Personal Information

We collect personal information from the following categories of sources:

• Directly from You: Through account applications, loan submissions, customer service inquiries, online forms, and transactional documents.

• Automatically: Through cookies, web beacons, log files, and analytics tools when navigating our digital platforms.

• From Third Parties: Credit reporting agencies, identity verification services, fraud prevention vendors, public records, and our business partners or affiliates.

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5. How We Use Information

DFR uses collected information to:

• Review eligibility submissions, verify submitted documentation, and process applications.

• Provide, maintain, and administer your financial accounts, loans, and investment portfolios.

• Verify identity, assess creditworthiness, and underwrite financial products.

• Process transactions, transfer funds, and deliver statements or notices.

• Detect, prevent, and investigate fraud, security breaches, and unauthorized financial activities.

• Comply with applicable banking, tax, anti-money laundering (AML), and regulatory reporting obligations.

• Communicate with applicants and provide program updates.

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6. Disclosure, Data Sharing, and "Sale" or "Sharing"

We do not sell your personal information for monetary compensation. However, under state laws like the CPRA, VCDPA, and CPA, certain disclosures of data to third-party analytics providers, advertising networks, or social media platforms may be classified as "sharing" for cross-context behavioral advertising or "targeted advertising."

Information is not shared with third parties except when necessary to:

• Process verification requirements

• Support service operations through trusted vendors and service providers

• Comply with legal requests, regulatory bodies, and legal authorities

• Prevent fraud or misuse

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7. Surveys and Feedback

DFR may invite visitors to participate in voluntary surveys used solely to improve services. Participation is optional and does not affect access to website resources.

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8. External Links

Our website may contain links to third-party websites. When you leave our site, their privacy policies apply. DFR is not responsible for external website practices.

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9. State-Specific Consumer Privacy Rights (CPRA, VCDPA, CPA)

If you are a resident of California, Virginia, or Colorado, you possess specific rights regarding your personal data, subject to statutory exemptions:

• Right to Know / Access: Request that we disclose what personal information we collect, use, disclose, and sell/share about you over the past 12 months.

• Right to Delete: Request the deletion of your personal information, subject to legal and regulatory retention mandates (e.g., banking record retention laws).

• Right to Correct: Request the correction of inaccurate personal information we maintain about you.

• Right to Data Portability: Obtain a copy of your personal data in a structured, commonly used, and machine-readable format.

• Right to Opt-Out of Targeted Advertising / Cross-Context Behavioral Advertising: Direct us not to process your personal data for targeted advertising purposes.

• Right to Opt-Out of Sale or Sharing: Opt out of the "sale" or "sharing" of your personal information.

• Right to Limit Use of Sensitive Personal Information: Limit our use of your sensitive personal information to that which is strictly necessary to perform our financial services.

• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

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10. How to Exercise Your Rights and Global Privacy Control (GPC)

To exercise your rights under the CPRA, VCDPA, or CPA, please utilize the following mechanisms:

• Opt-Out Links: Click on the links on our website footer titled "Do Not Sell or Share My Personal Information" and "Limit the Use of My Sensitive Personal Information."

• Global Privacy Control (GPC): Our digital platforms recognize and automatically honor valid opt-out preference signals (such as GPC) transmitted by participating web browsers.

• Submitting Requests: You or your authorized agent may submit a Data Subject Access Request (DSAR) by contacting us using the details below.

We will verify your identity before processing your request. We aim to respond to verifiable consumer requests within 45 days of receipt, with a possible 45-day extension where necessary.

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11. Data Security

We implement reasonable administrative, technical, organizational, and physical safeguards—including encryption, firewalls, and multi-factor authentication—designed to protect information against unauthorized access, alteration, disclosure, loss, or misuse. No internet transmission method is completely secure, but we continuously improve security practices.

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12. Data Retention

Information is retained only as long as necessary for operational, legal, compliance, or regulatory purposes.

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13. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technological advancements, or state and federal legal requirements. Continued use of the website after updates indicates acceptance of the revised policy.

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14. Contact Information

If you have any questions, comments, or concerns regarding this Privacy Policy or our privacy practices, please contact us at:

• Company Name: Delta Financial Ratios

• Company Address: 10080 Bellaire Blvd #207, Houston, TX 77072

• Email Address: verification@dfr-us.com

• Phone Number: (888) 505-8816