Privacy Policy

Effective Date: May 6, 2025

1. Introduction

Become Co Ltd. ("Become," "we," "our," or "us") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information through our website, mobile applications, and any services provided therein (collectively, the "App" or "Services"). This policy applies to all users, including those seeking small business loans, personal loans, and debt consolidation services. By using our Services, you agree to the practices described in this Privacy Policy.

2. Legal Bases for Processing Information

We process your personal information based on one or more of the following legal grounds:

• Your consent
  
  

• The performance of a contract with you
  
  

• Compliance with legal obligations
  
  

• Our legitimate interests, such as improving our Services or preventing fraud
  
  

3. Consent

By using our Services, submitting information through our App, or otherwise interacting with us, you consent to the collection, use, and disclosure of your information as outlined in this Privacy Policy.

4. Information We Collect

We collect the following categories of personal information:

Category	Examples	Source	Shared With
Identifiers	Name, email, phone number, address, Social Security Number	Provided by you	Lenders, service providers
Financial Information	Income, account details, debt obligations	Provided by you or obtained via credit checks	Lenders
Commercial Info	Loan application history, funding outcomes	Provided by partners	Used internally and with partners
Technical Data	IP address, browser type, device ID	Automatically collected	Analytics providers

5. How We Use Your Information

We use your information to:

• Provide matching and referral services for small business loans, personal loans, and debt consolidation
  
  

• Share Application Information with third-party providers for eligibility and prequalification
  
  

• Verify your identity and perform preliminary assessments
  
  

• Respond to inquiries and deliver customer support
  
  

• Improve our Services and conduct analytics
  
  

• Comply with legal and regulatory requirements
  
  

We may also use aggregated, de-identified data ("Statistical Information") for analytics and product improvement.

6. Sharing of Information

We may share your information with:

• Lenders and debt consolidation service providers with whom you apply
  
  

• Credit reporting agencies as authorized
  
  

• Third-party vendors (e.g., cloud storage, analytics)
  
  

• Members of our corporate group
  
  

• Regulators or law enforcement where legally required
  
  

• Buyers in the event of a corporate transaction
  
  

We do not sell your personal information.

7. Credit Checks and Legal Compliance

If you apply for personal or debt-related financial services, our partners may obtain consumer credit reports to determine eligibility. By using our Services, you authorize:

• Credit checks by third-party lenders
  
  

• Research using public or consumer reporting agency databases
  
  

We and our partners comply with:

• Truth in Lending Act (TILA)
  
  

• Fair Credit Reporting Act (FCRA)
  
  

• Fair Debt Collection Practices Act (FDCPA)
  
  

• Uniform Debt-Management Services Act (UDMSA), where applicable
  
  

8. Security

We implement industry-standard security to protect your data, including encryption and secure servers. However, no method of transmission or storage is 100% secure.

9. Data Retention and Deletion

We retain personal data only as long as necessary for operational, legal, or regulatory reasons. To request deletion, contact: support@become.co

10. Your Rights and Choices

Depending on your jurisdiction, you may:

• Request access to your data
  
  

• Correct or update inaccurate information
  
  

• Request deletion of your data
  
  

• Opt out of marketing communications
  
  

• Object to or restrict processing of your data
  
  

To exercise your rights, contact support@become.co

11. Cookies and Tracking Technologies

We use cookies, tracking pixels, and related technologies to:

• Authenticate users
  
  

• Analyze site usage
  
  

• Provide tailored content
  You can manage your preferences via browser settings or cookie banners.
  
  

12. Children’s Privacy

Our Services are not intended for users under 18. We do not knowingly collect data from children under 13.

13. State-Specific Privacy Rights

California Residents (CCPA): You have the right to:

• Know what personal data we collect and why
  
  

• Request deletion of your data
  
  

• Opt out of the sale of personal data (we do not sell data)
  
  

To make a CCPA request, email: support@become.co

Vermont Residents: We will not share your nonpublic personal information with nonaffiliates without your express consent.

14. Policy Updates

We may update this policy. For material changes, we will provide at least 7 days’ notice via email or prominent posting. Check this page regularly for the most current version.

15. Contact Us

Email: support@become.co