NIBBLES PRIVACY POLICY

Effective Date: February 10 2025

Welcome

Thank you for visiting our website and/or mobile applications (the "Online Services"). We hope you choose to be part of our community at Nibbles PBC and Nibbles Insurance Agency LLC (collectively "Nibbles", "we", "us", "our"). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this Online Privacy Policy, or our practices with regard to your personal information, please contact us at support@nibbles.com.

This Online Privacy Policy explains how Nibbles collects, shares, uses, and protects your information on https://nibbles.com and the other websites on which this Online Privacy Policy appears ("Website"), within the Nibbles mobile app ("Mobile App")(together with Website, "Online Services"), as well as when you interact with us on social media sites or through email, as well as any interactions you may have while viewing content provided through one of our digital advertising campaigns.

By using our Online Services or interacting with us online, you agree and consent to the terms and conditions of this Online Privacy Policy, and our Terms of Use, which are incorporated herein by reference. If there are any terms in this Online Privacy Policy that you do not agree with, please discontinue use of our Online Services immediately.

Information We Collect

Information Provided By You

We collect personal information that you voluntarily provide to us when you visit or use our Online Services, and where we believe it is reasonably required for ordinary business purposes. The personal information we collect may typically include the following:

• Contact information like your name, email address, mail address, and phone number.
• ID information like your Social Security number or driver’s license number.
• Application information like your credit history.
• Security information like your password and user ID.
• Device information like your IP address, browser type, and communication preferences.
• Content of communications, including recordings of phone calls where permitted by law.

Information Collected Automatically

In addition to the personal information described above, we (and Service Providers or Third-Party Ad-Servers) may automatically collect certain information that does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location (non-precise), information about how and when you use the Online Services, and other technical information.

We may collect such automatically generated or collected information through a variety of tracking technologies, including cookies, pixels, web beacons, embedded scripts, mobile SDKs, location-identifying technologies, and similar technology ("Tracking Technologies"). We also implement session replay technology to better understand interactions with our Online Services. This session replay technology collects information about your interactions with our pages, including the duration of your visits to each page, the content you may have reviewed, the location of your clicks, and the way you navigate our Online Services.

Additional Sources

We may obtain additional information about you from publicly available sources and from various third parties, such as marketers, researchers, consumer and credit reporting agencies, and others for marketing purposes. For instance, we may work with data enhancement companies to learn more about our members or potential members to help provide more relevant ads and offers for you. Additionally, we collect information from social media sites and apps. Your use of such sites or apps is subject to their privacy policies.

How We Use The Information Collected

We use your personal information for the following purposes:

• Processing applications and transactions.
• Responding to your requests, questions, and comments and providing customer support.
• Improving our products and services.
• Monitoring the performance of our Online Services including metrics such as total number of visitors, traffic, and demographic patterns.
• Tailoring the content we display to you in our Online Services and communications, including advertising.
• For security purposes, to protect against fraud and manage risk.
• Disclosing to companies or businesses in connection with a proposed sale or merger.

How We Share Your Information

We may share the information we collect from and about you with our Affiliates and other third parties as described below:

• Current and future Nibbles subsidiaries or affiliates.
• Service Providers, contractors, and authorized vendors that we believe need the information to perform services for us such as IT services, marketing, accounting, etc.
• Financial partners and service providers to process transactions.
• Other companies to bring you co-branded services that you have requested.
• To comply with legal requirements such as subpoenas and court orders.

Retention of Your Personal Information

We take reasonable steps to keep your personal information only for as long as it is necessary for the purposes set out in this Online Privacy Policy. We may retain personal information for longer periods if required by law.

Security

We have implemented appropriate technical and organizational security measures designed to protect the security of your personal information. However, we cannot guarantee that unauthorized third parties will not access or misuse your information.

Minors

We do not knowingly solicit personal information from or market to children under 18 years of age. If we learn that personal information from users under 18 years of age has been collected, we will deactivate the corresponding account and take reasonable measures to promptly delete such data.

Third Party Websites

The Online Services may contain links to third-party websites and applications that are not affiliated with us. Once you have used these links to leave the Online Services, any information you provide to these third parties is not covered by this Online Privacy Policy.

International Transfers

If you are accessing the Online Services from outside of the United States of America, your personal information may be transferred to our facilities and processed there.

Your Privacy Options

Account Information

You can review or change the information in your account or terminate your account by:

• Signing into your account settings.
• Emailing us at support@nibbles.com.

Tracking Technologies

We collect information with Tracking Technologies and have Service Providers and third parties that collect information with similar technologies.

Opting Out of Interest-Based Advertising and Tracking

You have several ways to opt-out of interest-based advertising and tracking as described in the policy details.

DO-NOT-TRACK

No uniform technology standard for recognizing and implementing DNT signals has been finalized, thus we do not currently respond to DNT browser signals.

Updates

We may update this Online Privacy Policy from time to time. The updated version will be effective as of the updated "Effective Date."

How to Contact Us

If you have questions or comments about this Online Privacy Policy please contact us at support@nibbles.com.

Glossary:
Affiliates: Companies related by common ownership or control.
Aggregated Data: Information relating to multiple people combined together.
Cookies: Small pieces of text placed in your browser.
Tracking Technologies: Including cookies, pixels/web beacons, embedded scripts, and similar technology.