PRIVACY POLICY

Last Updated: September 11, 2026

Synergy Business Solutions Inc. (“Synergy Business Solutions,” “SBS,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal and business information you provide to us.

This Privacy Policy describes how we collect, use, disclose, store, and protect information obtained through SBSFunds.com (the “Website”), through our applications and forms, and through other interactions with Synergy Business Solutions.

By accessing or using our Website or voluntarily providing information to us, you acknowledge the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

We may collect personal, business, financial, and technical information when you visit our Website, contact us, request information, submit an application, or otherwise interact with us.

Information we collect may include:

• First and last name
• Business name and DBA
• Business address
• Home or mailing address
• Email address
• Business, home, and mobile telephone numbers
• Date of birth
• Social Security Number
• Federal Tax Identification Number/EIN
• Business entity and ownership information
• Business start date and industry
• Requested financing amount and intended use of funds
• Annual and monthly sales information
• Bank account and banking information
• Business bank statements
• Merchant processing statements
• Existing financing and financial obligations
• Driver's license and other identification information
• Credit and financial information
• Information contained in documents you provide to us
• Any other information you voluntarily provide

We may also automatically collect certain information when you use the Website, including your IP address, browser type, device type, operating system, referring website, pages visited, dates and times of visits, and other website usage information.

2. HOW WE USE YOUR INFORMATION

We may use information we collect to:

• Process and evaluate applications for business financing or working capital
• Determine eligibility for available financing products
• Verify your identity and business information
• Review and analyze bank statements and financial information
• Obtain or facilitate credit, background, identity, fraud, or business verification reports where authorized
• Communicate with you regarding your application, inquiry, or account
• Connect or submit your information to appropriate funding or financing providers
• Facilitate underwriting, approval, closing, funding, and servicing
• Provide customer service and respond to requests
• Detect and prevent fraud or unauthorized activity
• Improve our Website, products, services, and customer experience
• Maintain internal business and transaction records
• Comply with applicable laws, regulations, legal processes, and contractual requirements
• Send you information regarding products, services, promotions, or financing opportunities where permitted by law

3. HOW WE MAY SHARE INFORMATION

We may disclose information when necessary to process your request, provide our services, operate our business, or comply with applicable law.

Information may be shared with:

• Funding companies and financing providers
• Banks and financial institutions
• Underwriting providers
• Credit reporting agencies and business information providers
• Identity verification and fraud prevention providers
• Bank account and financial-data verification providers
• ACH and payment processors
• Customer relationship management providers
• Document processing and electronic signature providers
• Cloud hosting and data storage providers
• Website hosting, analytics, advertising, and technology providers
• Attorneys, accountants, consultants, and other professional advisers
• Government agencies, regulators, courts, or law enforcement where legally required

When you submit an application or request financing, you authorize SBS to transmit information and documents relevant to your application to financing providers and other parties involved in evaluating or facilitating your request, subject to applicable law and any additional authorization you provide.

We may also disclose information as part of a merger, acquisition, restructuring, financing, sale of assets, or similar corporate transaction.

4. CREDIT AND FINANCIAL INFORMATION

In connection with an application, and subject to applicable law and your authorization, Synergy Business Solutions and/or participating financing providers may obtain business or consumer credit reports, bank information, merchant processing information, and other information used to verify identity, evaluate creditworthiness, prevent fraud, or determine eligibility for financing.

Any separate authorization contained in an application or financing agreement will apply in addition to this Privacy Policy.

5. BANK STATEMENTS AND DOCUMENT UPLOADS

If you provide or upload bank statements, merchant processing statements, identification documents, or other financial records, we may use those documents to:

• Verify your business and identity
• Evaluate revenue and cash flow
• Analyze existing financial obligations
• Determine potential financing eligibility
• Conduct underwriting and fraud prevention
• Facilitate an application with financing providers

We may make these documents available to authorized employees, representatives, service providers, and financing providers where reasonably necessary to process or evaluate your request.

6. COOKIES AND OTHER TECHNOLOGIES

SBSFunds.com may use cookies, pixels, analytics tools, and similar technologies to operate and improve the Website, understand visitor activity, remember preferences, measure marketing effectiveness, and maintain Website security.

You may be able to disable or manage cookies through your browser settings. Certain Website features may not function properly if cookies are disabled.

7. TELEPHONE, EMAIL AND TEXT COMMUNICATIONS

When you provide a telephone number or email address, we may use that information to communicate with you regarding your inquiry, application, account, financing request, or other services.

Where you have provided the appropriate consent, communications may include telephone calls, emails, and text messages regarding products, services, and financing opportunities.

Where applicable and with appropriate consent, communications may be made using automated technology, prerecorded or artificial voice technology, or an automatic telephone dialing system.

Consent to receive marketing calls or text messages is not a condition of obtaining any product or service unless otherwise expressly disclosed.

You may opt out of applicable marketing text messages by replying STOP. Message and data rates may apply. You may unsubscribe from marketing emails using the unsubscribe mechanism provided in the email.

8. DATA SECURITY

We use reasonable administrative, technical, and organizational safeguards designed to protect personal, business, and financial information against unauthorized access, disclosure, alteration, loss, or misuse.

However, no method of transmission over the Internet or electronic storage system is completely secure. We therefore cannot guarantee absolute security.

9. DATA RETENTION

We may retain information for as long as reasonably necessary to:

• Process and service applications and transactions
• Maintain business and transaction records
• Fulfill the purposes described in this Privacy Policy
• Prevent fraud
• Resolve disputes
• Enforce agreements
• Satisfy legal, regulatory, tax, accounting, or reporting requirements

Retention periods may vary depending on the nature of the information and applicable legal requirements.

10. YOUR PRIVACY RIGHTS

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information, which may include rights to:

• Request access to certain personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of certain personal information
• Obtain information regarding certain disclosures of personal information
• Opt out of certain marketing communications

These rights may be subject to exceptions and limitations under applicable law, including circumstances where we are required or permitted to retain information.

To submit a privacy-related request, contact us using the information below. We may need to verify your identity before processing certain requests.

11. THIRD-PARTY WEBSITES

Our Website may contain links to websites, applications, or services operated by third parties.

Synergy Business Solutions is not responsible for the privacy practices, security, availability, or content of third-party websites or services. We encourage you to review their privacy policies before providing personal information.

12. CHILDREN'S PRIVACY

SBSFunds.com and our business financing services are intended for businesses and adults.

Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that such information has been collected, we will take reasonable steps to delete it where appropriate.

13. CHANGES TO THIS PRIVACY POLICY

We may modify this Privacy Policy from time to time to reflect changes in our business practices, services, technology, or applicable legal requirements.

Any revised Privacy Policy will be posted on this page with an updated “Last Updated” date. Your continued use of the Website after an updated Privacy Policy is posted constitutes acknowledgment of the revised policy to the extent permitted by law.

14. CONTACT US

If you have questions regarding this Privacy Policy or would like to submit a privacy request, please contact:

© 2026 Synergy Business Solutions Inc. All Rights Reserved.