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Privacy Policy

Effective: February 1, 2025

If you are visually impaired, have another disability, or seek support in other languages, you may access this Privacy Policy by emailing us at [email protected].

Hello and a warm welcome from our family to yours! As part of our company values, F2L, LLC (“F2L” or “we”) is committed to protecting and respecting your privacy in connection with your use of our content and products via our websites, including www.bondify.ai (“Websites”), our applications, including the F2L mobile app (“Apps”), or other delivery methods (collectively referred to as our “Products”).

F2L is providing education and coaching services to you (collectively the “Services”) using the Products or via other delivery methods. We may provide the Services through our affiliated partners. Throughout this Privacy Policy, we refer to all of our Products and Services collectively as our “Platform.” This Privacy Policy covers the “personal information,” meaning information about an identified or identifiable individual that is collected through our Products or Services.

Additional Considerations:

• Our Platform is designed for adult use only. You must consent for users under 13.

• We collect personal information through our Platform, directly from you, from others, and automatically during your interaction with our Platform. We use this personal information to help provide you the Services and improve our future Services offerings, and we work hard to keep your personal information safe.

• We may share your data with third parties but only to help provide you the Services, improve our future Services offerings, and follow applicable laws.

• We won’t sell your data or otherwise use it except to provide you the Services and improve our future Service offerings. Once you terminate your account, we will delete your personal information.

• Any personal information you provide within a public or community portion of our Platform may be viewable by other users and the public.

• Our Services may also be delivered by our coaches. Our coaches are not medical providers.

• Additional privacy notices may apply during your enrollment with the Platform, which we encourage you to review thoroughly. Components or features of our Platform may include additional privacy notices, such as relating to optional features.

• Links within our Platform may direct you to third-party websites or products not operated by us. We strongly recommend reviewing their privacy policies and terms of use.

• Jurisdiction-specific laws may grant additional privacy rights. Contact us to exercise those rights.

• We will update this policy in the future, so please check back frequently. For major changes, we will either email or notify you within the Platform.

• Contact us with any questions at [email protected] or (707) 504-6500.

The above is intended to be a user-friendly summary of key parts of the Privacy Policy. Please read the following carefully to understand our practices regarding your personal information. We also encourage you to review our end-user terms and conditions here.


© 2025 F2L, LLC. All Rights Reserved.

Privacy Policy

Effective: February 1, 2025

Table of Contents

This Privacy Policy is provided in a layered format. Summaries are provided for each section, but we encourage you to read each section in detail.

1. Collection of Personal Information

2. Use of Personal Information

3. Sharing of Personal Information

4. Data Security and Retention

5. Your Privacy Rights

6. Children's Privacy

7. Cookies

8. Changes

9. Contact Us

10. Supplemental Notices

If you are visually impaired, have another disability, or seek support in other languages, you may access this Privacy Policy by emailing us at [email protected].

As part of our company values, we at F2L, LLC (“F2L” or “we”) are committed to protecting and respecting your privacy in connection with your use of our content and products via our websites, including www.bondify.ai (“Websites”), our applications, including the F2L mobile app (“Apps”), or other delivery methods (Websites, Apps, and other delivery methods are collectively referred to as our “Products”). F2L may deliver education and coaching services (collectively the “Services”) using the Products or via other delivery methods, as applicable. Throughout this Privacy Policy, we will collectively refer to all of our Products and Services as our “Platform.” This Privacy Policy covers “personal information,” meaning information about an identified or identifiable individual that is collected through our Product or Services.

Depending on how you interact with us, the following may also apply to you:

• Some components or features of our Platform may include additional privacy notices, such as an optional feature that uses your personal information in a unique way. Similarly, you may have been given access to our Platform in a manner that includes additional terms or privacy notices such as from one of our partners. The language of those terms and privacy notices supplements this Privacy Policy unless there is a conflict, in which case those additional terms and privacy notices will apply.

• You may follow links contained in our Platform or provided to you by other users to third-party websites or products not operated by us. This Privacy Policy does not apply to third-party websites or products. We strongly suggest you review their privacy policies to understand how your personal information is used and stored by those third parties.

• Similar to the above point, you may use single sign-on (“SSO”) features to access our Platform, such as through your social media accounts. That use may be subject to your SSO provider’s terms and privacy policies, and we encourage you to review them prior to using those features.

• This privacy policy does not apply to F2L employees. They are governed by a separate employee policy.

• Depending on the jurisdiction in which you reside, consumer protection or privacy laws may provide you with additional rights regarding the use of your personal information. You may contact us to exercise additional statutory rights available to you.

Please read the following carefully to understand our practices regarding your personal information. We also encourage you to review our end-user terms and conditions here.

Table of Contents

This Privacy Policy is provided in a layered format. We provided summaries for each section, but we encourage you to read each section in detail.

1. Collection of personal information We may collect your personal information through our Platform or when you otherwise share your information with us. Our collection may require your input or may be automatically collected while you engage with us or our Platform.

2. Use of personal information We primarily use your personal information for our Products to function and to deliver you the Services. We also may use your personal information for other purposes like communicating to you about your interest in our Platform, processing payments, complying with legal obligations, or to develop new features or improvements.

3. Sharing of personal information We may share your personal information with certain third-party service providers to help make our Platform function. We may also share personal information as directed by you, to provide you with opportunities we think may interest you, or as legally required, such as to comply with a court order.

4. Data security and retention The security of your personal information is of utmost importance to us. We retain your personal information for as long as necessary, and we maintain appropriate safeguards to protect it.

5. Your privacy rights We want you to have choice in how your personal information is used. We provide you rights to request actions regarding your personal information including deletion, no matter where you reside. Further rights may be provided for your specific jurisdiction, which are outlined in Section 10.

6. Children's Privacy Our Platform is generally intended for adults, but you may share certain information about your child to assist us in providing the Services.

7. Cookies We will collect information from you through cookies and other tracking technologies on our Platform, but we will not sell your data to allow third parties to advertise to you.

8. Changes We may change this Privacy Policy to reflect new services, changes in our data practices, or to comply with relevant laws.

9. Contact us You may contact us for comments, questions, or to exercise your privacy rights in various ways including emailing [email protected].

10. Supplemental notices This section provides additional information specific to certain jurisdictions. Please note that our Platform is operated in the United States, where your personal information will be primarily processed and stored.

1. Collection of personal information

We may collect or process the following personal information about you from what you provide us directly, we receive from others, and personal information we may automatically collect when you interact with our Platform.

(a) Information you provide to us

• Contact information and identifiers. When you use our Platform, we may ask you to provide certain contact information, including your first and last name, telephone number, mailing address, and email address. We may also collect your social media identification number if you choose to access the Platform via a social media account, as well as password and other authentication-related information.

• Background information. To help you fully utilize the Platform, we may collect additional personal information, for example, names and ages of household members, personality traits, and events of personal historical significance for you and your household members.

• Current information. We will collect the information you provide about your current relationships and recent events as you use the Platform to help provide you with customized learning and experiences. You may provide this information through the Platform, such as through survey responses or in other input fields. You may also provide this type of information through the Services, such as talking with your coach. We understand that this information is very sensitive, so we handle it with care, including treating this information as confidential.

• Profile and demographic information. Through your account in our Platform, you may have the opportunity to provide additional information about yourself, such as your age, race and ethnicity, sexual orientation, preferred pronouns, gender or gender identity, sex at birth, and marital status.

• Payment information. If you sign up for a paid product or service from us, you may be required to provide your payment card or bank account information. Please note that F2L does not directly process payment card information and instead relies upon third party payment processors to do so on our behalf. Please note that third party terms may apply to these payment services. Personal information collected for these purposes includes card number, type, expiration date, and billing address, and certain anonymized, limited and/or truncated versions of this information may be provided to F2L.

• Survey information. We may present you with surveys for Platform functionality, to provide you the Services, to provide you with information about our Products and Services that we think may be of interest to you, or for research purposes. These surveys may give you the opportunity to describe certain things about you, your use of the Platform, or feedback on future improvements.

• Communication information. When you send or respond to emails, messages, chats, or other communications from F2L, we may collect your email address, name, and any other personal information you choose to include in the body content of your communications. In addition, when you interact with certain features of our Products, we may collect the content of those communications.

• Support information. When you submit a support request or otherwise engage with our support team, we collect the information you provide as part of that interaction. We also utilize live chat and/or chatbot technology, which allow you to communicate directly with our automated customer service system and/or customer service representatives via a chat window about our Products and Services. Text entered into this form prior to submission may be collected, retained, and used by F2L for our business purposes, including by our customer service and other personnel and service providers.

(b) Information from others

In certain circumstances, we may collect personal information about you from others. This may include the following:

• We may collect the name, email address, content engagement, and preferences of individuals that our users identify through our sharing and referral features. We use this data for the sole purpose of sharing content and referring individuals to join the Platform.

• We may collect personal information from parents or guardians for operating accounts for their dependents aged 13-17 where supported.

(c) Information we automatically collect

Our Platform may collect information from you automatically during your use that may include:

• Browser and device data, such as IP address, device identifier, device type, operating system and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons, and the language version of the Websites and Products you are visiting.

• Usage data, such as time spent on the Platform including pages visited, links clicked, approximate location, language preferences, performance of features, and patterns of use.

(d) Aggregated, anonymous, and de-identified data

We may create or collect aggregated, anonymous, or de-identified data from personal information by removing, masking, or otherwise altering data components that make the data personally identifiable, or potentially personally identifiable to you (“De-Identified Data”). De-Identified Data is not personal information and not subject to this Privacy Policy.

2. Use of personal information

We may use your personal information in the following ways:

• To provide our Platform, including the delivery of content and interactive features;

• To communicate with you regarding our Platform, including updates or changes;

• To provide you support, answer your questions or requests for information, or handle your complaints;

• To process payment, manage your orders, and account for applicable sales taxes;

• To fulfill our obligations under any agreements that we may have with you;

• To maintain and improve the quality of our Platform, including to perform research and development, understand user trends, and, in a limited way, understand the effectiveness of our marketing and advertising such as recording a sales conversion;

• To provide you with information about new Products and Services, promotions, and other opportunities that we believe may be of interest to you, whether offered by us or third-party partners, and to personalize, measure, and improve such offers;

• To protect ourselves, you, and others such as by taking actions to prevent fraud and other unlawful or unauthorized activity, and creating and maintaining a trusted, secure, and reliable online environment;

• To comply with our legal obligations including meeting regulatory compliance obligations, responding to subpoenas, court orders, or other legal processes; and

• to establish or exercise our legal rights or defense against legal claims.

3. Sharing of personal information

We may disclose your personal information with the following categories of third parties:

• Our service providers. In some circumstances we may need to disclose your personal information to a third party so that they can provide a service on our behalf, such as to help deliver Products or Services that you have requested. These service providers may include services such as analytics, payment processing, advertising and marketing, website hosting, customer and technical support, and other services. Our service providers have access to your personal information only to perform these tasks on our behalf, based on our instructions and are contractually obligated to maintain the confidentiality and security of your personal information and to not disclose or use your personal information for any other purpose inconsistent with this Privacy Policy and applicable law.

• Your integrations. You may connect your account through supported integrations with third parties, and we will share your personal information with those third parties. If you do connect an integration, that third party’s terms and privacy policy may apply to the personal information shared as a result, and we encourage you to review those before setting up the integration.

• Community Activity. If you engage with other Platform users using our community features, we will share some information about you such as your name associated with your comment on a forum or other information you choose to share with other users.

• Third party business partners. In limited cases, we may provide certain personal information to third party businesses with which we have a joint promotional relationship, bundled subscription offer, or other trusted partnership. This type of sharing will most often be consistent with your notice, consent, direction, and/or reasonable expectations in light of the circumstances in which you provided the personal information.

• Third party advertising platforms. We work with third party platforms who provide us with analytics and advertising services. This includes helping us understand how users interact with our Platform, serving advertisements on our behalf to those who may be interested, and measuring the performance of those advertisements.

• Compliance and harm prevention. If we are under a duty to disclose or share your personal information in order to comply with any legal obligation, such as to comply with a subpoena, bankruptcy proceeding, similar legal process, or in order to enforce our agreements with you; or to protect the rights, property, or safety of F2L, our customers, or others, we will disclose your personal information under such circumstances. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. We may also disclose personal information where we believe that doing so would be in accordance with or required by any applicable law, regulation, or legal process.

• Affiliates and business transfer. We may share your personal information with any member of our business group, which includes our subsidiaries and our affiliates for any of the purposes described in this Privacy Policy. If F2L, including any of our subsidiaries, brands, or affiliates, is involved in a merger, acquisition, asset sale, or other corporate combination, your personal information may be transferred to the acquiring or surviving entity. If such transfer results in a material change to the use of your personal information, we will provide notice before your personal information is transferred or becomes subject to a different privacy policy.

4. Data security and retention

The security of your personal information is important to us. We follow generally accepted standards, practices, and procedures to protect the personal information submitted to us, both during transmission and once it is received. We maintain appropriate technical, administrative, and physical safeguards to help protect the security of your personal information against unauthorized access, destruction, loss, alteration, disclosure, or misuse.

However, no security can be fully guaranteed. If you have an account with us and you suspect unauthorized use of your account or its credentials, you should contact us immediately using the contact information in Section 9 below or contact our security team directly at [email protected].

We will keep your personal information for as long as needed to perform our obligations to you or for as long as legally permitted. The criteria used to determine our retention periods include: (i) the length of time we have an ongoing relationship with you; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations). For example, we keep your account information, like your name, email address, and password, for as long as your account exists so that you may access it.

5. Your privacy rights

We believe that you should have control of your personal information. To that end we provide the following rights to make requests regarding your personal information. You may make these requests by contacting [email protected] or in some cases using features within the Platform:

• Access. You have the right to know what personal information we collect about you and how we use it. This Privacy Policy serves to inform you about that collection and use.

• Deletion. You have the right to request, under certain circumstances, the deletion of your personal information that we collect.

Upon receiving your request, we may ask for additional information from you in order to verify the request or confirm how you would like to proceed. We endeavor to respond to a verifiable request without undue delay. If we require an extended amount of time, we will inform you using the email associated with your account or the email you used to make the request.

We do not charge a fee to process your verifiable request unless it is excessive, repetitive, or clearly unfounded. If we determine that your request requires a fee, we will tell you why and provide you with a cost estimate before completing your request.

Your rights are not absolute, and exceptions may apply. These exceptions can arise from different factors including our legal obligations, the rights of others, your or another’s safety, and our ability to bring or defend against legal claims. Additionally, we will not fulfill your request if you do not provide sufficient information to verify your identity or to verify that a third party making the request is authorized to act as your representative.

Some US jurisdictions provide residents with certain rights with respect to their personal information as defined under applicable law. These rights are subject to the specific laws of that jurisdiction and that certain other rights might apply. Please review our Supplemental Notices, including, our Privacy Notice for California, and our Privacy Notice for Virginia, Connecticut, Colorado, Utah, and Nevada for more information on rights and terms specific to your location or place of residence.

6. Children’s privacy

At F2L, we are committed to protecting and respecting children’s privacy. Our Platform is generally intended for individuals at least 18 years old and we do not intentionally collect personal information from individuals under 18 years old. There are limited exceptions:

By nature of the Platform and your purpose for engaging with our Products and Services, you will be providing information regarding your child. We will not knowingly collect personal information regarding your child other than what you provide through the Platform.

You also may notice some content in our Products that appears geared towards children. This content is only meant for you to share with your child under your supervision and does not require or allow your child to create an account.

If you are a parent or guardian and you are aware that a child under age 13 has provided us with their personal information without parental consent, please contact us at [email protected], and we will take steps to remove that personal information from our servers.

7. Cookies

When you use our Products, we may collect information from you automatically through cookies. We use cookies and the information they collect for a variety of purposes including functionality, analyzing performance, security, personalizing Product content, and advertising. We will get your consent in order to use such trackers or provide you with the opportunity to opt-out of cookies, to the extent required by applicable law. We will not give or sell the information we collect through cookies to any third party advertisers. You may use an opt-out preference signal, such as the Global Privacy Control (GPC), to opt-out of the sale/sharing of your personal information. For more information on the types of cookies we use and your choices regarding them, please review our Cookie Policy.

8. Changes

This Privacy Policy is effective as of the date posted at the top. We may update this Privacy Policy from time to time to reflect Platform changes, make corrections, improve clarity, reflect changes in our privacy practices, or as required by applicable laws. When we may make a significant change, such as on how we use your personal information or your rights, we will notify you within the Platform or through another channel such as the email you supplied during account registration, in addition to posting the revised version on our Platform. We encourage you to periodically check this Privacy Policy to stay informed about how we handle your personal information.

9. Contact us

We want to hear from you if you have questions, concerns, or requests regarding this Privacy Policy. You can reach us by emailing [email protected] or calling (707) 504-6500.

10. Supplemental notices

Depending on your jurisdiction, you have additional rights that apply to you under your jurisdiction's privacy laws. We provide the supplemental information in this section in our efforts to comply with those additional privacy laws and inform you about your rights. If you do not see your jurisdiction below, please do not interpret that to mean that we do not respect your privacy We encourage you to still contact us using the contact details above with your questions or concerns. Please note that F2L is a US-based company and your personal information will be stored and processed within the US. If you are visiting our Platform from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where our servers are located and our central database is operated.

(a) Privacy Notice for California

We include this section for residents of California in order to comply with the California Consumer Privacy Act of 2018, and its amendment, the California Privacy Rights Act of 2020 (together, the “CCPA”). This section is intended to comply with the CCPA by supplementing the information provided elsewhere in the Privacy Policy.

Categories of personal information. The CCPA includes categories of personal information that businesses like us are required to tell you what we have collected and will collect from you. To comply with those requirements, we have provided the table below disclosing the categories of personal information we have collected through our Platform within the last 12 months.

F2L is not a data broker and does not sell your personal information to third parties for payment. However, as with many online companies, F2L partners with third parties to manage our advertising on other platforms. For that purpose, we may disclose limited personal information to third parties for our cross-context behavioral and targeted advertising purposes, and this activity may fall under broader concepts of “selling” and/or “sharing” under the CCPA. We have noted in the table below what categories we have “sold” and/or “shared” in the last 12 months. Please review the section below the table about your privacy rights for more information on how to opt-out of this activity.

CATEGORY

COLLECTED “SOLD” / “SHARED”

A. Identifiers.

Name, alias, mailing address, unique personal identifier, online identifier, IP address, email (personal and/or work), account name, telephone number, password, account credentials, National Provider Identifier (NPI), driver’s license / government ID number (if provided for identity verification), or other similar identifiers: name, alias, email, online identifier, personal unique identifier, IP address

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

Name, signature, mailing address, telephone number, driver’s license / government ID number (if provided for identity verification), payment card number, employment, employment history, bank account information, medical information, and health insurance information: name, telephone number, payment card number, email

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy, or childbirth and related medical conditions), sexual orientation, veteran or military status, marital status, childbirth

D. Commercial information.

Payment history, balances, Products or Services purchased or considered, Payment history, balances, Products or Services purchased or considered

E. Biometric information.

Sleep, health, or exercise data

F. Internet or other similar network activity.

Browsing history, search history, information on how you interact with our website

G. Geolocation data.

Approximate location based on information like IP address

H. Sensory data.

Audio recordings, voicemails, photographs

I. Professional or employment-related information.

Employer, job title or role, work contact information

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Student identification number

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes, Profile reflecting a person's preferences, characteristics, predispositions, behavior, attitudes, and abilities

L. Sensitive personal information: Password, health information, payment information, racial and/or ethnic origin, information concerning your sexual orientation, and gender identity

Please note that because of the overlapping nature of certain categories identified above, some of the personal information we collect may be reasonably classified under multiple categories. Please also note that we do not intend to collect any personal information, specifically health information, from you that may be covered by federal laws like HIPAA.

Use of personal information. We may use your personal information in the following ways:

• To provide our Platform, including the delivery of content and interactive features;

• To communicate with you regarding our Platform, including updates or changes;

• To provide you support, answer your questions or requests for information, or handle your complaints;

• To process payments, manage your orders, and account for applicable sales taxes;

• To fulfill our obligations under any agreements that we may have with you;

• To maintain and improve the quality of our Platform, including to perform research and development to understand user trends;

• To provide you with information about new Products and Services, promotions, and other opportunities that we believe may be of interest to you, whether offered by us or third-party partners, and to personalize, measure, and improve such offers;

• To personalize the advertisements you receive about our Platform through third-party platforms, other websites, and apps;

• To protect ourselves, you, and others such as by taking actions to prevent fraud and other unlawful or unauthorized activity and creating and maintaining a trusted, secure, and reliable online environment;

• To comply with our legal obligations, including meeting regulatory compliance obligations, responding to subpoenas, court orders, or other legal processes; and

• To establish or exercise our legal rights or defense against legal claims.

Use of sensitive personal information. We use sensitive personal information for the same purposes listed above except for personalizing ads.

Retention. We will keep your personal information for as long as needed to perform our obligations to you, or for as long as legally permitted. The criteria used to determine our retention periods include: (i) the length of time we have an ongoing relationship with you; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations). For example, we keep your account information, like your name, email address, and password, for as long as your account exists so that you may access it.

Your California privacy rights. The CCPA provides California residents with rights to receive certain disclosures regarding the collection, use, and disclosure of personal information and sensitive personal information. These disclosures are provided in Sections 1, 2, and 3 and the chart in Section 10(a) above. If you are a California resident, you have the following rights under California law in relation to your personal information, subject to certain exceptions. We will respond to your verifiable request within 45 days.

Right to know and access. You have the right to know what personal information we collect, use, disclose, and sell and/or share, as those terms are defined under applicable law. You may ask us to provide you a portable copy of this information up to two times in a rolling twelve-month period.

Right to delete. You have the right to request under certain circumstances that we, as well as our service providers and contractors, delete the personal information that we collect about you.

Right to correct inaccurate personal information. You have the right to request the correction of inaccurate personal information.

Right to non-discrimination. You have the right not to receive discriminatory treatment for the exercise of the privacy rights described above.

Right to opt out of sale and/or sharing. You have the right to opt-out of the sale and/or sharing of your personal information by a business. Please see our Notice of Right to Opt-Out below for more information.

Right to limit use and disclosure. You have the right to limit the use or disclosure of your sensitive personal information to only the uses necessary for us to provide goods or services to you. We will not use or disclose your sensitive personal information after you have exercised your right unless you subsequently provide consent for the use of your sensitive personal information for additional purposes.

Sharing with third parties for their own direct marketing purposes. F2L does not disclose personal information to third parties for their own direct marketing purposes. However, California residents additionally have the right to request information regarding such practices under California’s “Shine the Light” law. If you are a California resident and would like to inquire further, please email [email protected].

Notice of right to Opt-Out.

As mentioned above, if you are a resident of California, F2L “sells” and “shares” personal information under the CCPA’s broader definition of “sale” or “share.” California law provides you a right to opt-out of such “sales” and “shares.” You may exercise this right by emailing us at [email protected]. The opt-out link is also available within our Platform by clicking on the Your Privacy Choices link.

(b) Privacy Notice for Virginia, Connecticut, Colorado, Utah, and Nevada

We include this section for residents of other US states with privacy laws that may impact them. These privacy laws include the Virginia Consumer Data Privacy Act (“VCDPA”), the Connecticut Data Privacy Act (“CTDPA”), the Utah Consumer Privacy Act (“UCPA”), the Colorado Privacy Act (“CPA”), and the Nevada Privacy Law (“NPL”). This section is intended to comply with these laws by supplementing the information provided elsewhere in this Privacy Policy.

Collection of personal information. F2L may collect the personal information described in Section 1 and as categorized in the table within Section 10(a) above. Please note that some of this personal information will be considered sensitive under your state’s legal definition, which can vary across different states.

Use of personal information. F2L may collect, use, or disclose personal information about US state residents for purposes listed in Section 2 of this Privacy Policy. We use sensitive personal information for the same purposes except for personalizing ads.

Disclosure of personal information. We may disclose your personal information to the categories of service providers and third parties identified in Section 3 of this Privacy Policy and in ways that are described in that section.

Your privacy rights. We generally provide the privacy rights described in Section 5 above to you regardless of your location. Your state may afford you additional privacy rights as noted below. To exercise your right, see the contact information in Section 9 or follow the instructions below for specific state rights. We will respond to your verifiable request within the time limit afforded under applicable law. Exceptions may still apply as described in Section 5.

• Residents of Colorado, Connecticut, Virginia, and Utah have the right to opt out of targeted advertising and sales. Please do so by contacting us.

• For users in Colorado, Connecticut, and Virginia, you may opt out of profiling in furtherance of decisions that produce legal or similarly significant effects. While you may still make this request, F2L does not currently use profiling in this manner.

• Nevada provides its residents a limited right to opt out of the sale of personal information. Please know that we do not trigger this requirement because we do not sell your personal information for payment.

Cookie Policy

Does F2L use cookies?

Yes. F2L uses cookies and other similar technologies to ensure everyone who uses the Platform has the best possible experience.

What is a cookie?

A cookie is a small text file that is placed on your hard drive by a web page server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. You can find out more about each cookie by viewing our current cookie list below. We update this list every six months, so there may be additional cookies not yet listed. Web beacons, tags, and scripts may be used on the Platform or in emails to help us to deliver cookies, count visits, understand usage and advertising campaign effectiveness, and determine whether an email has been opened and clicked on. We may receive reports based on the use of these technologies by our service/analytics providers on an individual and aggregated basis.

Why does F2L use cookies?

When you visit our Platform, we may place a number of cookies in your browser. These are first-party cookies, and they allow us to hold session information as you navigate within the site. For example, we use cookies on our Platform to understand visitor and user preferences, improve their experience, and track and analyze usage, navigational, and other statistical information. You can control the use of cookies at the individual browser level. If you choose not to activate cookies or to later disable them, you can still visit our Platform, but your ability to use some features may be limited.

How do I disable cookies?

You can generally activate or later deactivate the use of cookies through your web browser. Find your browser below to learn more about how to manage your cookie settings.

• Firefox: Click here to learn more about “Private Browsing” and managing cookie settings.

• Chrome: Click here to learn more about “Incognito” and managing cookie settings.

• Internet Explorer: Click here to learn more about “InPrivate” and managing cookie settings.

• Safari: Click here to learn more about “Private Browsing” and managing cookie settings.

If you want to learn more about cookies or how to control, disable, or delete them, please visit http://www.aboutcookies.org for detailed guidance.

In addition, certain third party advertising networks, including Google, allow users to opt out of or customize preferences associated with your internet browsing. To learn more about this feature from Google, click here.

Cookies F2L uses

Many jurisdictions require or recommend that Platform operators disclose the types of cookies they use and occasionally get consent from users before placing certain cookies.

We may use any of the following categories of cookies on our Platform as detailed below. Each cookie falls within one of these four categories:

Category Description

Essential Cookies Essential cookies (first-party cookies) are sometimes called “strictly necessary,” as without them we cannot provide many services that you need on the Platform. For example, essential cookies help remember your preferences as you move around the Platform.

Analytics Cookies These cookies track information about Platform visits so we can make improvements and report our performance. For example, we analyze visitor and user behavior to provide more relevant content or suggest certain activities. These cookies collect information about how visitors use the Platform, which site the user came from, the number of each user’s visits, and how long a user stays on the Platform. We might also use analytics cookies to test new ads, pages, or features to see how users react to them.

Functionality or Preference Cookies During your visit to the Platform, these cookies are used to remember information you have entered or choices you make such as your username, language, or region. They also store your preferences when personalizing the Platform to optimize your use of F2L, for example, your preferred language. These preferences are remembered through the use of the persistent cookies, and the next time you visit the Platform you won’t have to set them again.

Targeting or Advertising Cookies These third-party cookies are placed by third-party advertising platforms or networks in order to deliver ads and track ad performance, enabling advertising networks to deliver ads that may be relevant to you based upon your activities (this is sometimes called behavioral, tracking, or targeted advertising) on the Platform. They may subsequently use information about your visit to show you ads that you may be interested on our website and other websites. For example, these cookies remember which browsers have visited the website. We do not use this category of cookies.