BlincAdvance Agreement

The BlincAdvance Agreement (the “Agreement'') constitutes a legal agreement between you, BlincLoans, INC, OneBlinc, LLC (“Blinc”) and BlincAdvance, LLC governing your use of BlincAdvance and its related services and features. This Agreement is incorporated into and made a part of the Blinc Website Terms (the “Terms”) between you and Blinc. Capitalized terms used herein that are not otherwise defined herein shall have themeaning provided in the Terms.Please read this Agreement carefully before using BlincAdvance. By using BlincAdvance, you acknowledge that you have read, understood and agree to be bound by the Agreement. If you do not agree with this Agreement, you may not access or use BlincAdvance. BlincAdvance is a “Service” as defined by the Terms and subject to all relevant provisions governing Services in the Terms. In the event of a conflict between this Agreement, on the one hand, and the Terms or any other agreement with Blinc on the other hand, this Agreement shall control. Blinc reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. If we make material changes to this Agreement, we will provide you notice of such changes before they become effective. You should check this Agreement on the Site periodically for changes. All changes shall be effective upon posting. We will date the terms with the last day of revision. Your continued use of BlincAdvance after any change to this Agreement constitutes your agreement to be bound by any such changes. Blinc may terminate, suspend, change, or restrict access to all or any part of the BlincAdvance Services without notice or liability.


BlincAdvance Services

Blinc allows you to access some or all of various forms of income as determined by Blinc prior to when that income is available, by requesting an advance (“Advance”). We may limit the number of Advances that you can request at any given time or over a period of time, or decline to extend an Advance to you at our discretion. You will generally receive your Advance to your Bank Account within 2 business days. Advances are repayable in a single installment on your next payday as designated in the Services. Through the Services, you may authorize debits to your linked payment method to repay Advances. You may cancel a repayment at any time up to three (3) business days before the repayment date. Advances are not loans and are offered on a nonrecourse basis. Consequently, we warrant to you that we have no contractual or legal claim against you based on a failure to repay an Advance, and we will not engage in debt collection activities, place the amount advanced with or sell to a third party, or make any reports to credit reporting agencies regarding your unpaid Advance. However we reserve the right to deny you access to an additional Advance until you have paid any outstanding Advances. In order to qualify for an Advance you'll need to have a bank account with direct deposit set up, and at least two past direct deposits completed in that account. Blinc will analyze your spending and earning habits to determine how large an advance you can afford. This amount can change from day to day. Advances may be requested for amounts ranging from Fifty Dollars (\$50.00) and Two-hundred Fifty Dollars (\$250.00). Blinc does not charge interest on any Advance but may charge a Subscription Fee as detailed in this Agreement.


Subscription

Blinc offers eligible consumers access to Advances with no Subscription for thirty (30) days. After thirty (30) days have passes, Advances are only available as part of the Blinc Subscription Plan (“Subscription”). After thirty 30 days Blinc will charge a monthly subscriptions fee of (\$8.99). In addition to Advances, Subscriptions provide access to a toolbox with links to Blinc financial service partners, and other exclusive partner deals. Subscription services are offered at the sole discretion of Blinc and may be changed by Blinc at any time, at Blinc’s sole discretion, without notice. Blinc is not associated with any financial service partners are not responsible for the services or content provided by such financial service partners.


Use of BlincAdvance

When you request an Advance or enroll in a Subscription plan, you represent and warrant that the income being utilized for the Advance is just and due to you and that you have not received payment for such income or any part of the income from anyone else. You also agree that any instructions received by us for an Advance from your Blinc account will be considered authorized by you.


Additional Indemnity

In addition to the indemnification obligations set forth in the Terms, to the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Blinc Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of Blinc Advance or the Subscription services; or (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation.


Termination

You may cancel this Agreement at any time. To do so, you may contact us at customer@oneblinc.com. If you continue to meet the eligibility criteria for Advances, you may re-enroll at any time. Additionally, you may close your Blinc account and terminate your relationship with us as stated in the Terms. We may terminate this Agreement or suspend or terminate your use of Advances and/or Subscription services for any reason at any time upon notice to you. You agree that Blinc will not be liable to you or any third-party for any costs, fees, or losses associated with any termination pursuant to this Agreement.


Entire Agreement

The Terms as modified by this Agreement is the entire understanding and agreement between you and Blinc related to BlincAdvance. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

BlincLoans, INC; OneBlinc, LLC and BlincAdvance, LLC (“we,” “us,” or “our”) respects your privacy and knows that you care about protecting your personal information. This privacy policy identifies what information we collect from you when you use

, (the “site,” including all subdomains) and the services made available on it (the “services”) and explains how we may use or share that information. We will only use and share your information as described in this privacy policy. If you receive a financial product or by or through us, this online privacy policy should be read together with the Right To Financial Privacy Notice. This Privacy Policy covers privacy matters not covered by the Right to Financial Privacy Notice, which will govern how we use and share information when you request or obtain a financial product or service from or through us.

This Site primarily operates as a(n) e-commerce website. This privacy policy applies to information we collect from you on the Site; through the Services; in email, text, and other electronic correspondence; and through any mobile or desktop application through which we may communicate. This privacy policy does not apply to information we collect offline or that any third party collects from you after you follow links on the Site, including any advertising and affiliate links.

PLEASE READ THIS PRIVACY POLICY AND OUR TERMS OF USE CAREFULLY. THE TERMS STATED IN THIS PRIVACY POLICY CONSTITUTE A BINDING LEGAL AGREEMENT BETWEEN YOU AND BLINCLOANS, INC; ONEBLINC, LLC and BLINCADVANCE, LLC. BY USING THIS SITE AND THE RELATED SERVICES, YOU UNCONDITIONALLY AGREE TO BE BOUND BY THE TERMS STATED IN THIS PRIVACY POLICY AND OUR TERMS OF USE, INCLUDING ALL EXCLUSIONS AND LIMITATIONS OF LIABILITY, AND WARRANT THAT YOU HAVE FULL AUTHORITY AND CAPACITY, LEGAL AND OTHERWISE, TO USE THE SERVICES. YOU MAY NOT ACCESS OR USE THIS SITE OR THE SERVICES IF YOU DO NOT AGREE TO ANY PART OF THESE TERMS. WE RESERVE THE RIGHT TO PERIODICALLY MAKE UPDATES TO THIS PRIVACY POLICY AS OUR PRACTICES CHANGE. YOUR CONTINUED USE OF THE SITE AFTER SUCH CHANGES CONSTITUTES YOUR ACCEPTANCE OF THE CHANGES, SO PLEASE CHECK BACK PERIODICALLY FOR UPDATES.

We may collect and use the following types of information from those who use the Site and the Services:

Information by which you may be personally identified, such as your name, address, email address, phone number, social security number, and other information that may not be publicly available ("personal information"). Information about you that does not identify you personally, including, but not limited to, your demographic information (for example, your age, gender, race, religion, political affiliation, and household income), personal interests, online interactions, viewing data, requests for Services, communications with us and third parties, advertisement interactions, and any other activities when using the Site or the Services. Information you provide when you register with the Site and the Services, when adding or updating account preferences, and when subscribing for any Services. Information about your transactions using the Site and the Services, including, but not limited to, your purchases and order history. We may combine information you provide us with other information about you that we obtain from your past use of the Site and Services, from our business partners, and from other companies. We may access other information about you collected from third parties, such as social media and marketing companies. We will treat any non-personal information that is combined with personal information as if it were all personal information.

We collect the following types of information from you as you use the Site through automatic data collection technologies:

Log file information commonly collected by host servers when you visit websites, including internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamps, referring/exit pages, domain names, landing pages, pages viewed, click counts, and similar information. This information is not connected to personal information and is used for purposes of administering the Site, analyzing trends, tracking visitor activity, and collecting demographic data. Other details regarding your activities on the Site and Services, including your equipment, operating system, software, traffic information, and location data. Our automatic data collection includes the use of the following technologies:

Cookies. A "cookie" is a small piece of data that is stored on a visitor's hard drive in order to store information about visitor preferences and activities on the Site. We use this information to optimize the experiences of our visitors. For instance, a cookie can help us identify you when you return to the Site in order to save you time. In the event that our business partners, affiliates, or advertisers on the Site use cookies, we will not have access or control over such cookies. However, any use of cookies will not relate to any personally identifiable information about you. You may also choose to refuse to accept cookies by configuring the appropriate setting on your browser. However, doing so may prevent you from being able to access parts of the Site or Services and may prevent the Site from functioning properly. Google Analytics. We may use Google Analytics or similar services to collect non-personal information from you regarding your use of the Site. Google Analytics is a web analytics service offered by Google, Inc. that mainly uses cookies to report on your interactions on the Site and analyzes how you use the Site. For more information on Google Analytics, including how to set up privacy controls on how Google Analytics collects your information, please see the help article, Safeguarding your data.

Do Not Track: Our Site does not currently respond to automated signals regarding online tracking, such as “do not track” instructions from your web browser. Please note that blocking cookies may affect your browsing experience on the internet, and may limit your use of certain parts of our Services, including many of the personalized offers and other customized features we may provide.

We are the sole owners of information collected from visitors on this Site. We will not sell or rent your information to third parties. We use information collected from you or about you, including personal information, for the following purposes:

• To administer the Site and enforce our rules and policies.
• To provide access to Site content and Services to you.
• To customize Site content and Services according to your preferences.
• To improve the Site and Services.
• To research and analyze the usage data, preferences, and trends of our visitors.
• To diagnose technical or Service-related problems.
• To maintain security over your information, the Site, and its contents.
• To research and analyze our target demographics.
• To fulfill any requests for information, products, or Services.
• To facilitate transactions you make on the Site or Services, which may include sending payment statements or receipts, or assisting with payment collection.
• To provide targeted advertising.
• To send you marketing communications, such as information about new products, Services, or specials.
• To contact you regarding Services we provide you.
• To contact you regarding your account or profile.
• To contact you regarding changes to this privacy policy.
• To carry out our responsibilities and enforce any contracts between you and us.
• For any other use as we may indicate at the time you provide the information.
• To fulfill any other purpose with your consent.

All information collected from visitors of the Site belongs to us, whether or not such information is personal information, information you volunteer, or information passively collected about you. As such, such information may be subject to transfer to a new owner in the event of our bankruptcy, sale, or liquidation.

We may share personal information and other information that we collect as follows:

• With our affiliates, including any subsidiaries we now own or later acquire.
• With our trusted employees, contractors, business partners, service providers, suppliers, vendors, and other third parties that support us, which may include sending you emails on our behalf; analyzing your activities and interactions on the Site in order to make improvements to the Site, Services, and experiences of our visitors; and providing support to the Site, the Services, our operations, or fulfilling your requests. These third parties may only use personal information in order to provide such support and are contractually required to maintain the confidentiality of your information. For example, we may share personal information with credit card processing companies in order to bill visitors for goods or services.
• With a buyer, successor, or other third party due to a merger, restructuring, reorganization, or other transfer or disposition of BlincLoans, INC, OneBlinc, LLC, BlincAdvance, LLC, or our operations, including, but not limited to, in the event of a sale, bankruptcy, dissolution, or similar proceeding. In such event, we will provide you with prior notification if your information will become subject to a different privacy policy.
• In response to court orders, subpoenas, or legal processes, such as requests from government regulatory or law enforcement agencies; to defend, pursue, or participate in legal actions or proceedings or exercise a legal right; to take precautions against actual or potential liabilities; to investigate or respond to potential or suspected illegal activities, fraud, or threats to the Site, its visitors, or the property or physical safety of any person; to enforce or investigate violations of our rules or terms of use; or as otherwise permitted or required by law.
• With affiliates, licensors, merchants, partners, and other third parties for their own marketing purposes, such as to provide you with information regarding their programs, activities, new offers, special promotions, contests, products, services, and similar important purposes if you have consented to such sharing or not opted out. Such marketers are contractually prohibited from disclosing personal information and may only use personal information for providing support in accordance with this privacy policy. For more information about how to opt out of this sharing, see Opt-Out Procedures below.
• With those that we so indicate at the time you provide the information.
• To third parties when we have your consent or when we have parental consent if the visitor is a minor.

We may store personal information in locations outside of our direct control; for instance, on servers or databases where the hosting provider is located. Additionally, we may share or sell aggregate information about our visitors that does not personally identify individuals with our partners, affiliates, advertisers, and other third parties without restriction. This information may include personal information that we have changed so that individuals are no longer personally identifiable. We may also share this information with third parties in order to analyze visitor data, activities, and usage of the Site or Services in order to make improvements to the Site, Services, and experiences of our visitors.

We display targeted advertisements using third-party ad servers, also known as ad networks. Targeted advertisements are ads that specifically target consumers that fall into certain demographics or that otherwise display characteristics that make them desirable for advertisers. Ad servers automatically communicate with your browser and receive your IP address. They may also use other technologies, including cookies and web beacons, to collect data and analyze the performance of their advertisements. This allows the ads we display to be more relevant and interesting to you. We do not provide personal information to advertisers when you view, click, or interact with a targeted ad. However, if you view, click, or interact with a targeted ad, the responsible advertisers and ad servers may assume that you have certain characteristics that match their intended audience. By viewing, clicking, or interacting with a targeted ad, you acknowledge and consent to ad servers recording such assumptions about you. Our privacy policy does not apply to the ad servers that display advertisements on our Site. Please consult their respective privacy policies for more information.

If you choose to participate in any promotions or similar events through the Site or Services, the rules or terms and conditions for such events may change the way we share your information with third parties. Please review the applicable rules or terms and conditions for all such events in which you participate.

This Site may contain links to or from other websites. This privacy policy only applies to information collected on this Site, and we are not responsible for other website's privacy practices. Please be aware of when you exit our Site using such links. We encourage you to review the privacy practices of all other websites you reach through links on our Site.

We may place content, including advertisements, on our site from advertisers, ad servers, and other third parties. These third parties may use cookies, web beacons, or other tracking technologies associated with their content on the Site to collect information, but not personal information, about your activities over time and across different websites. They may send you targeted ads or other content based on this information. We have no control over how these third parties use your information, and you should contact the responsible party with any related questions or concerns. For more information about how to opt out of this tracking, see Opt-Out Procedures below.

Third-Party Tracking. We cannot control the privacy practices of third parties that use cookies, web beacons, or other tracking technologies associated with their content on the Site to collect information about your activities over time and across different websites. These third parties are subject to their own privacy policies, not this one. However, these third parties may provide procedures for opting out. Please review their privacy policies for more information. Additionally, you may opt out of tracking from members of the Network Advertising Initiative (NAI) by visiting its Consumer Opt-Out Page.

Third-Party Accounts. In the event that you have chosen to connect your account to another account you have on a third-party website, YOU ACKNOWLEDGE AND AGREE THAT PERSONAL INFORMATION MAY BE PROVIDED TO THE RELEVANT THIRD-PARTY WEBSITES HOSTING UNTIL SUCH TIME AS YOU DISCONNECT YOUR TWO ACCOUNTS. You acknowledge that such third-party websites are not subject to this privacy policy. Do not connect your accounts if you do not want personal information shared in this manner. You may disconnect your accounts by either 1) signing in, visiting your account page, and configuring the relevant settings, if available, or 2) emailing us at customerservice@oneblinc.com with your request.

You are responsible for keeping any personal information you provide on the Site current. Please email us at customerservice@oneblinc.com to request access to view, correct, or delete information you have provided to us. We will make reasonable efforts to comply with your requests, if possible. If you provided personal information in connection with a specific Service we provide, you may have to update or delete that information by returning to that Service page. Any requests to delete your information are subject to our internal reporting and retention policies as well as any legal obligations that we may have. You can also update or delete some or all of your personal information in your account by signing in, visiting your account page, and configuring the relevant settings.

We take the security of your information seriously and have electronic, physical, and administrative safeguards in place that comply with federal regulations for your protection. These security measures seek to protect your information both online and offline from disclosure, alteration, or unauthorized use. However, please keep in mind that no transmission of data over the internet is guaranteed to be completely secure. Third parties may be able to access private communications illegally; for instance, through the use of hacking and viruses. As such, all information you transmit on the Site or Services is at your own risk. We are not responsible for instances where third parties circumvent our security measures without authorization, illegally or otherwise.

The information you submit to us is encrypted using Secure Sockets Layer (SSL) data encryption technology and is transmitted securely. You may verify this by locating "https" at the beginning of the address of the webpage or an icon of a closed lock in your browser. The computers and servers we use are also kept in a secure environment behind firewalls. We limit access to your information to those people that need to view it to perform necessary support tasks, including fulfilling your requests. We also require you to create a unique password to help secure your account. It is your responsibility to maintain the secrecy of your password and other login information. We will promptly notify you in the event that personal information becomes compromised according to our notification procedures outlined below or as otherwise required by applicable law.

This Site does not knowingly collect personal information from children under 13 years of age. If you are under 13 years of age, do not use this Site or provide any personal information to us. We will delete all information that we discover is provided by children under 18 years of age without verification of parental consent. Please email us at customerservice@oneblinc.com if you believe we have received personal information from a child aged under 18 and we will use our best efforts to remove such information.

We may update this privacy policy at any time. We will post any changes in our privacy practices on this page with the date of the most recent revision indicated next to "Last updated" near the top of the page. If we make significant changes to the way we manage our visitors' personal information, we will notify you by email or by posting prominent notice on our Site. It is your responsibility to ensure we have your current email address and to periodically check this page for any updates.

We reserve the right to determine the most appropriate means of providing you with any notice required or advisable, in our sole discretion, under the terms of this privacy policy or as required by law. We may choose to provide notification by email, physical written notice, posting prominently on the Site, or through other conspicuous means.

Your personal information may be processed and transferred to countries other than your own, including, but not limited to, any country in which we operate. Some of these countries may have different laws and practices regarding data protection than your country. By using the Site, you agree to such cross-border transfers of your personal information.

Your feedback is important to us. To send us your questions, suggestions, or complaints, please contact us as follows:

OneBlinc

225 East Dania Beach Blvd - Suite 202

Dania Beach, Florida 33004

Email: customer@oneblinc.com

If you are a California resident, the California Consumer Privacy Act (“CCPA”) provides you certain rights and choices regarding how we collect, share, use, and protect your “personal information” and how you can exercise those rights. The CCPA defines “personal information” as information that identifies, relates to, describes, or is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. We do not share or sell “personal information,” nor have we sold it, in the last 12 months.

Certain information that we collect may be exempt from the CCPA because it is considered public information or covered by financial privacy laws, such as the Gramm-Leach Bliley Act, the California Financial Information Privacy Act, the Health Insurance Portability and Accountability Act, or the Fair Credit Reporting Act. To the extent that we collect “personal information” that is subject to the CCPA, that information, our practices, and your rights are described below. Under the California Consumer Privacy Act, California residents have the right to:

• Request that a business delete any personal information about the consumer which the business has collected from the consumer.


• We collect the following categories of personal information: Identifiers: such as 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; Customer records information: such as name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit or debit card number, other financial information, medical information, health insurance information; Characteristics of protected classifications under California or federal law: such as race, religion, sexual orientation, gender identity, gender expression, age; Biometric information: such as hair color, eye color, fingerprints, height, retina scans, facial recognition, voice, and other biometric data; Internet -or other electronic network activity information: such as browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement; Geolocation data; and Inferences.


• Request that a business that collects personal information about the consumer disclose to the consumer, free of charge, the following:


• The categories of personal information that it has collected about that consumer.
• The categories of sources from which the personal information is collected.
• The business or commercial purpose for collecting or selling personal information.
• The categories of third parties with whom the business shares personal information.
• The specific pieces of personal information it has collected about that consumer.
• The categories of personal information that the business collected about the consumer.
• The categories of personal information that the business disclosed about the consumer for a business purpose.

We do not sell any consumer information.

You may submit a CCPA request by providing your first name, last name, email address, telephone number and ZIP code via one of the following methods:

• Calling us toll-free at 1-855-400-0449 and leaving a message with the above information and your specific CCPA request as described above.

You may also designate an authorized agent to make such requests on your behalf by mailing a signed Power of Attorney to:

225 East Dania Beach Blvd - Suite 202

Dania Beach, Florida 33004

We will not discriminate against you because you exercise any of the rights as described in this section.

Nevada residents have the right to opt out of the sale of certain pieces of their information. We do not sell “personal information” of Nevada residents, but, if you are a Nevada resident who has questions or who wants to make this type of request, please send your email to customer@oneblinc.com.

Continuous improvement of the Information Security Management System for the development, maintenance and support processes of the OneBlinc platform, aiming to maintain the confidentiality, integrity and availability of information on the platform, our customers and employees.