Privacy Policy

Revised: October 28, 2022

PLEASE READ CAREFULLY. BY USING THE SITE OR SERVICES, YOU ARE CONSENTING TO THIS PRIVACY POLICY.
Your information privacy is important to us. We provide this Privacy Policy to explain how we collect, use,
protect, and disclose information and data when you use the website on which this policy is posted (“Site”) and related services offered through the Site (“Services”). This Privacy Policy applies to all users of the Site and Services.

This Privacy Policy is specific to this Site—it does not apply to any of our other websites or other online or
offline services provided by us.

1. Personal Information We Collect
We may collect the following categories and types of “Personal Information”:
• Contact Information: your first and last name, mailing address, email address, and phone number;
• Other identifying information: IP address, social media usernames, passwords and other security information for authentication and access;
• Financial Information: credit card, debit card and bank account information;
• Demographic information: gender, age, employment information and salary information;
• Geolocation data;

2. How We Use Personal Information
We may use your Personal Information for the following categories of use:
• Transactional Purposes: We may use your contact information and financial information to:
o Process transactions
• Selling Information: Your information, whether public or private, will not be sold, exchanged,
transferred, or given to any other company for any reason whatsoever, without your consent, other than
for the express purpose of delivering the purchased product or service requested.
• Legal and Other Requirements: We may use your personal information to comply with legal
requirements or when necessary to provide to our lawyers, accountants or other advisors. We may also
use your personal information for other purposes for which you have consented to. This may include for
a secondary purpose that is related to a purpose for which we collected it, and for which you would
reasonably expect us to use your information for.

3. Sources of Personal Information
We may collect Personal Information from the following sources:
• We collect information directly from you. We may collect contact, demographic and financial information directly from you including when you fill out a form on our Site, sign up for communications from us, or ask us to contact you. The information that we collect depends on the nature of your interactions with
us.

4. Categories of Third Parties We Share Personal Information With
Service Providers
• From time to time, we may establish a business relationship with other businesses whom we believe
trustworthy and who have confirmed that their privacy practices are consistent with ours (“Service
Providers”). For example, we may contract with Service Providers to provide certain services, such as
hosting and maintenance and data storage and management. We only provide our Service Providers
with the information necessary for them to perform these services on our behalf. Each Service Provider
must agree to use reasonable security procedures and practices, appropriate to the nature of the
information involved, in order to protect your Personal Information from unauthorized access, use, or disclosure. Service Providers are prohibited from using Personal Information other than as specified by
us.

Our Affiliates
• We may share Personal Information with businesses controlling, controlled by, or under common
control with us, where such affiliates or subsidiaries are acting as our Service Provider, or where
required by law.
Corporate Transactions
• If we merge, are acquired, or are sold, or in the event of a transfer of some or all of our assets, we may
disclose or transfer Personal Information in connection with such transaction.
Compliance with Laws and Law Enforcement
• We cooperate with government and law enforcement officials and private parties to enforce and comply
with the law. We may disclose Personal Information and any other information about you to government
or law enforcement officials or private parties if, in our discretion, we believe it is necessary or
appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the
safety, property, or rights of our company or of any third party, to prevent or stop any illegal, unethical,
or legally actionable activity, or to comply with the law.

5. Cookies
We do not use cookies.

6. Managing Your Information Preferences
You may opt out of receiving email communications from ATG Credit by replying with the word ‘stop’ in the subject line. Contact us at service@atgcredit.com.

7. Security
We maintain physical, electronic, and procedural safeguards to help protect the confidentiality and security of information transmitted to us. Personal information may be accessed by persons within our organization, or other entities described in this Privacy Policy, or our third-party service providers, who require such access to carry out the purposes described in this Privacy Policy, or as otherwise permitted or required by applicable law.
However, no data transmission over the Internet or other network can be guaranteed to be 100% secure, and no security measures can provide absolute protection. As a result, while we strive to protect information transmitted on or through the Site or Services, we cannot and do not guarantee the security of any information you transmit on or through the Site or Services, or that you otherwise provide to us, and you do so at your own risk.
To help protect against fraudulent requests for access to your personal information, we may ask you for information to allow us to confirm that the person making the request is you or is authorized to access your information before granting access. For example, we may require you to verify your identity before you access your personal information.
Subject to limitations under the law, you may also withdraw your consent to our processing of your personal information. Please note that this does not affect the lawfulness of processing based on consent before it is withdrawal. Please note that if you seek to withdraw consent to processing of personal data that is necessary for us to provide you with goods or services, we may no longer be able to provide such goods or services to you.

8. Children’s Online Privacy Protection Act Compliance
The Site and Services are intended for users who are 18 years old or older. We do not knowingly collect
Personal Information from children under the age of 13. If we become aware that we have inadvertently
received Personal Information from a child under the age of 13, we will delete such information from our
records.

9. Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

10. Changes to our Privacy Policy
If we decide to change this Privacy Policy, we will inform you by posting the revised Privacy Policy on the Site. Those changes will go into effect on the “Revised” date shown in the revised Privacy Policy. By continuing to use the Site or Services, you are consenting to the revised Privacy Policy.

Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below:
Mailing Address: PO Box 14895, Chicago, IL 60614-4895, USA
Email: Service@ATGCredit.com
Phone: 866-784-6258