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Privacy Policy

Last Updated and Effective Date: November 20, 2023

Please read this Privacy Policy (“Privacy Policy”) carefully. It provides information about how Fundshine, Inc. (“Fundshine”, “we”, “us”, and “our”) collects, uses, shares, and otherwise processes personal information. If you have any questions, comments, or concerns please contact us using the methods provided in the Contact Us section of this Privacy Policy below.

If you apply for a financial product or service with Fundshine or are a current Fundshine consumer or customer, please read our Financial Privacy Notice for more information about how we collect, use, and disclose personal information covered by the Gramm-Leach-Bliley Act (“GLBA”) and the privacy options available to you.

By visiting, accessing, or using our Services (as defined below), you acknowledge and agree that you have received and reviewed this Privacy Policy. From time to time, we may update this Privacy Policy as described in the Changes to this Privacy Policy section below.

Please also review the applicable Terms of Service, which also apply to the use of our Services. Terms that are defined in the Terms of Service have the same meaning in this Privacy Policy unless this Privacy Policy specifies differently.

If you are a resident of Nevada, please see the Notice to Nevada Residents section below.

1. Who We Are & Scope of This Privacy Policy

Fundshine is a financial technology company that offers eligible consumers in the United States loan consolidation, refinancing, lending, and other related financial services. Fundshine is not a bank. However, Fundshine provides access to some bank products through our third-party Business Partners. Please refer to the Business Partners section below for more information.

This Privacy Policy applies to personal information that Fundshine collects, uses, shares, and otherwise processes when you:

Access or use our website available at Fundshine.com, or any other website operated or made available by Fundshine, where this Privacy Policy is posted (collectively, the “Website”) or interact with the Fundshine online collaborative community (the “Community”);

Apply for, register for, access, or use any of the Fundshine products or services such as Fundshine’s lending services (collectively, the “Offerings”); or

Communicate with us through any written, electronic, or oral communications, including by email, phone, or text message.

For purposes of this Privacy Policy, we refer to our Website, Offerings, and any other online service we provide that links to this Privacy Policy as the “Services.” We refer to the individuals who access, apply for, use, or otherwise interact with Fundshine and/or our Services as “Users.”

2. Personal Information We Collect and How

As used in this Privacy Policy, “personal information” means any information that identifies or could be used to identify an individual person. For example, personal information may include a name, email address, or phone number. It also includes other non-public information that we associate with such identifying information. Personal information does not include aggregated or anonymized information.

The personal information we collect and how we collect it depends on how you use the Services. We collect the following types of personal information, as described below.

(a) Information You Provide

We collect personal information that you provide directly to us when you access or use the Services or when you interact with us. We collect information that you provide to us in the following ways:

i. Loan application information. If you apply for a Fundshine Offering, we collect information to process your application, such as your name and contact details (e.g., address, email, and phone number), information about your existing payday lender and loan details, employment, income, payroll information, bank account information, and any additional account information collected via our Business Partners.

ii.Verification information. Information for verification (fraud) checks, including verification of your identity and other information you provide, such as your driver’s license or passport.

iii.Account information. If you create an account with us, Fundshine collects personal information to set up and manage your account, such as your name, date of birth, social security number, email address, postal address, phone number, and account credentials, in addition to your application information and loan terms.

iv. Payment information. Information about payments made and transaction history. For more information, please see the Payment Processors section.

v. Bank information. Depending on the Services you use, we may collect bank account information, such as bank name, account number, routing number, and details of the virtual debit card opened as part of a Fundshine Offering through our Business Partner (if applicable).

vi. Marketing communications and newsletters. If you subscribe to receive newsletters and marketing communication from us, we will collect your name and contact information, such as your email address, and your marketing preferences.

vii. Support requests, inquiries, feedback, questionnaires. If you contact us, such as by submitting a contact form on our Website or sending an email, contacting customer support, or submitting feedback, we may collect your name, company, job title, email address, phone number, country, the details of your question or request, and any other information you choose to include in your message. We may also collect information you provide if you complete surveys or questionnaires that we make available.

viii. Interactions through social media and other third-party platforms. If you interact with us through any of our pages or feeds on social media sites or platforms, such as Facebook or LinkedIn, we may collect information such as your name, username, demographic information, contact information such as email address, location, and publicly posted data such as your social media activity.

ix. Content you submit and your interactions with the Community. We collect the content you submit to the Community and information about your interactions with the Community. This includes your posts and comments including audio and videos you submit, your public profile information, your interactions with content and other Users, and your interactions with the Community.

You may choose not to provide personal information directly to us or to not use the Services. However, some personal information is necessary so that we can provide you with the Services you have requested. Failure to provide this information may prevent us from providing you with access to our Services.

(b) Information We Collect Automatically

When you access or use the Services, we or our third-party agents or service providers automatically collect information about the device you use to access the Services and your activity when you use the Services. Depending on your activity, the information may include:

i. Device and Usage Information: We collect certain information about your device and how you interact with the Services each time you access or use them

Device information may include your IP address, browser type and version, browser settings, time zone, unique device identifiers, information about your approximate location such as city, state, or geographical region (as determined through your IP address), mobile, computer, and/or device hardware information (e.g., operating system version, device type), mobile device carrier and network information, device event information, log information, and crash data.

Usage information may include features that you use, clickstream data, access dates and times, and how you interact with the Services. When you visit the Website, this information may also include referring / exit pages and URLs, how you interact with links on the Website, landing pages, and pages viewed. We also may collect the date and time you open an email communication from us or click on any links in an email and we or our service provider may associate this information with the email address we already have for you.

ii. Cookies and Other Tracking Technologies: We and our third-party service providers or agents may collect information using one or more cookies or similar technologies such as pixels or locally stored objects (collectively “Cookies”). Cookies may collect information such as your IP address, unique device identifiers, your browser settings, and information about how you use the Services (e.g., the pages you view and the links you click). Please refer to the Cookies and Tracking Technologies section below for more information about our use of Cookies and your choices related to Cookies.

Depending on the Services you use or how you use the Services, we collect and process personal information we receive from third parties, and we may combine personal information we receive from you with personal information we obtain from other sources. We may receive the following types of information from third parties:

i. Business Partners: We receive personal information from our Business Partners (as defined below), such as information regarding your income and payroll details, employment, and banking information. If you connect to a financial account via our Business Partners, we collect information about payments, transactions, and other related account information. We use information received from Business Partners for purposes such as verifying your identity, determining loan eligibility, managing risk, processing payments, and supplementing the information we collect about you through the Services. Please refer to the Business Partners section below for more information.

ii. Fundshine’s Service Providers: We receive information from our service providers or agents who perform business services for Fundshine, such as Website activity information from third parties that assist us in operating our Website and transactional data from our third-party infrastructure service providers.

ii. Analytics, Marketing, and Advertising Providers: We may receive information from third parties that perform data analytics, targeted advertising, marketing and/or lead generation functions for Fundshine, such as lead generation providers, third-party data enrichment tools, and analytics vendors.

(d) Sensitive Personal Information

To provide certain Services, particularly our Offerings, we process personal information that may be considered sensitive under applicable laws. The sensitive personal information we process may include the following:

i. Unique Identifiers: Your social security, driver’s license, state identification card, or passport number.

ii. Financial accounts: We and/or our Business Partners may collect account log-in, bank account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.

iii. Biometric data: As part of the verification process, we and/or our Business Partners collect biometric information from government IDs and images to verify your identity.

3. How We Use Personal Information

We use the personal information we collect in the following ways:

To provide and operate the Fundshine Services;
To process your application and determine your eligibility for our Offerings;
To facilitate, administer, and service any Offering;
To create, manage, and operate your Fundshine account;
To enable, process, and manage payments;
To respond to your inquiries and requests or otherwise communicate with you, and to provide you with assistance related to the Services;
To provide technical support for, secure, and protect the Services, including to detect and prevent fraud, abuse, or security risks, and to track outages and troubleshoot;
To conduct analytics related to the Services, such as to understand how they are being used and where improvements may be needed;
To personalize and improve user experience with the Services;
To update, improve, and/or enhance the Services, and develop new features, functionality, Offerings, and other Services;
To send you newsletters and promotional and marketing communications that may be of interest to you;
To display personalized advertisements to you regarding the Services;
To better understand your personal preferences and to enable us to provide you with improved and personalized communications and services;
To compile aggregate data, such as about traffic and interaction with or on the Services;
To tailor the content and advertising we display to you or others, on our Services or elsewhere, and to analyze trends and statistics;
To provide notices, transactional updates, and other information to you about, or in connection with, our Services;
To enforce our Terms of Service, resolve disputes, or otherwise to carry out our obligations and enforce our rights and to protect our business interest and rights of third parties;
To mitigate fraud, financial loss, and other harm to Users, Business Partners, and Fundshine;
To audit our compliance with legal and contractual requirements and internal policies;
To meet obligations to regulators and other governmental authorities and comply with legal and contractual obligations and requirements, law enforcement requests, and legal process;
To enable our Business Partners to fulfill their obligations under applicable law and regulatory and other requirements applicable to financial institutions;
For our business transfers;
To keep you updated about changes to policies related to our Services (including this Privacy Policy); and
For any other purpose with your consent.

We may combine any of the information that we collect from you with other information, including information that we obtain from third parties, or with information derived from any other products or services we provide. We will use this information for the purposes described in this Privacy Policy.

4. How We Share Personal Information

Subject to any applicable legal exemptions including the Gramm-Leach Bliley Act, we transmit, share, grant access, make available, and provide personal information to or with the following types of third parties.

(a) Other Users of the Services

If you post or share content through the Fundshine Community, that information is public and will be shared with other Users of the Community. Fundshine is not a controller of that information once it is shared. We encourage you to be thoughtful as to how you interact with our Community tools, how you interact with others in our Community, and the information you share within the Community forums (for example, through creating a public profile, comments, and blog or forum posts).

(b) Business Partners

If you use certain features or Services that are enabled through a Business Partner, we share personal information with the Business Partner to provide, manage, and maintain such features or Services.

We share personal information with our third-party vendors, consultants, agents, contractors, and service providers that help us provide our Services or with any of the purposes described in this Privacy Policy. Depending on how you use the Services, the following categories of Service Providers may collect data on our behalf or receive personal information:

Hosting service providers;
Analytics providers;
Payment processing providers;
Advertising and marketing partners;
Providers of business operations and communication tools, such as email and messaging software providers;
Customer relationship management and customer support service providers;
Other third-party service providers that help us provide features and functions for the Services; and
Professional advisors, agents, and service providers, such as auditors, lawyers, consultants, accountants and insurers.

(d) Legal, Compliance and Regulatory Purposes

We may share personal information if we believe that it is necessary to:

comply with a law, regulation, legal process, or legitimate governmental request;
protect the safety or security of the Services, Users of the Services, or any person;
investigate, prevent, or take action regarding illegal or suspected illegal activities;
prevent spam, abuse, fraud, or other malicious activity of actors using or accessing the Services; or
protect our rights or property or the rights or property of those who use the Services.

Non-public information about our Users will not be released to law enforcement except in response to an appropriate legal process such as a subpoena, court order, or other valid legal process that has been reviewed by Fundshine. However, if we receive information that provides us with a good faith belief that there is an exigent emergency, we may provide information to law enforcement trying to prevent or mitigate the danger, to be determined on a case-by-case basis.

(e) Business Transfers

We may share personal information with third parties we choose to acquire or with buyers, successors, or others in connection with a merger, divestiture, restructuring, reorganization, financing due diligence, initial public offering, dissolution, or other sale or transfer of some or all of our assets or transition of service to another provider, whether as a going concern or as part of bankruptcy, receivership, liquidation or similar proceeding, as permitted by law and/or contract.

(f) With Your Consent

There may be situations where you are asked to consent to share personal information with third parties for additional reasons not included in this Privacy Policy.

5. Cookies and Tracking Technologies

As described above in this Privacy Policy, we collect and may permit third parties to collect information using cookies and other similar technologies.

(a) What Are Cookies?

Cookies are small data files that are placed on your device set by us or by third parties when you visit a website or other online service. In addition to cookies, we may use other technologies that are similar in function, such as pixel tags, also called web beacons or single-pixel tags/gifs, local or web storage, and embedded scripts.

Web Beacons: Web beacons, or “clear gifs,” and single-pixel tags/gifs, or web tags, are tiny graphics with a unique identifier placed on a website or in an email that gathers information about your interaction with that website or email. Because of their small size, they are not visible.
Local or Web Storage: Local or web storage refers to other places on a browser or device where information can be stored. It includes both your own device storage and browser cache.
Embedded Scripts: An embedded script is a programming code that is designed to collect information about your interactions with the Services, such as the links you click. The code is temporarily downloaded onto your device, is active only while you are connected to the Services, and is deactivated or deleted after you are no longer connected.

We use the term “Cookie” throughout this Privacy Policy to cover all these technologies.

You can find more information about cookies at: www.allaboutcookies.org.

(b) Types of Cookies

Cookies are often described by who created and placed them and how long they last. Types of Cookies generally include the following:

Persistent Cookies and Session Cookies

- Persistent Cookies: A persistent Cookie stays in your browser and will be read by us when you return. A persistent Cookie helps us recognize you as an existing user, so it is easier for you to return and interact with our Services.

- Session Cookies: A session Cookie is temporary and enables you to move from page to page on our Services and allows information that you enter to be remembered. A session Cookie is deleted when you close your browser or after a short time.

First-Party Cookies and Third-Party Cookies

- First-party Cookies: These are Cookies set by the publisher of the website or online service you are visiting. First-party Cookies may be set either by us or by a service provider at our request.

- Third-party Cookies: These are Cookies that are set by a party other than the publisher of the website you are visiting.

Cookies collect different types of information depending on the type of Cookie and its purpose. Some examples of information that may be collected by Cookies when you use our Services include:

The pages or features you visit within our Services;
The buttons you click on our Services;
The date and time you visit our Services;
The amount of time you spend on our Services;
The Internet Protocol (“IP”) address used to connect your device to the internet; and
Your device (such as computer, mobile phone) and connection information such as your browser type and version and operating system.

(d) How Do We Use Cookies?

Fundshine uses Cookies for purposes such as providing content or features on our Services, helping us remember you and your preferences, and improving your user experience by making our Services more efficient and relevant to you. We, our service providers, and/or agents acting on our behalf, use the following persistent and session Cookies (which may be first-party or third-party Cookies) on our Services:

Strictly Necessary Cookies: These Cookies are essential because they enable our Services to work properly, and they cannot be disabled. Without these Cookies, some of our Services cannot be provided. These Cookies do not gather information about you for advertising purposes. For example, these Cookies are used to:

- Remember the information that you fill in when performing certain activities on your Services;

- Pass information from one page to the next, for example when filling out forms;

- Read your browser and device settings to optimize the display of our Services;

- Identify misuse of our Services;

- Load our Services uniformly to maintain accessibility; and

- Authenticate Users and prevent fraud.

Functional Cookies: We use functional Cookies to remember your choices so we can tailor our Services to provide you with enhanced features and personalized content. For example, these Cookies can be used to remember your name or preferences on our Services. We do not use functional Cookies for online advertising. While these Cookies can be disabled, this may result in less functionality during your use of our Services. For example, we use these Cookies to:

- Provide you a personalized experience, such as remembering how you have customized our Services;

- Remember the information that you fill in when performing certain activities on our Services; and

- Store your preferences such as language and location.

Performance or Analytics Cookies: These Cookies help us understand how our Services are being accessed, used, or are performing. These performance or analytics Cookies may collect information about the content you view, what websites you visit immediately before and after visiting our Services, and your system and geographic information. The information generated by these Cookies will be transmitted to and stored by the applicable analytics services. For example, we may use performance or analytics Cookies to:

- Maintain and continually improve our Services;

- Keep track of the number of visitors to the pages within our Services;

- Keep track of the length of time that each visitor spends on the pages within our Services;

- Determine the order in which a visitor visits the various pages or features within our Services;

- Identify performance issues with our Services; and

- Assess which parts of our Services need improvement.

Advertising Cookies: These third-party cookies are used to deliver advertisements that are relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of advertising campaigns. Advertising cookies are usually placed by advertising platforms that work with other organizations to deliver personalized experiences to you. These cookies are used to:

- Keep track of how you interact with the advertisements that we serve;

- Keep track of which advertisements you have already been shown so that you are not always shown the same ones;

- Keep track of how many visitors click on the advertisement; and

- Improve reporting on campaign performance.

(e) How to Manage or Delete Cookies

You can exercise your preferences concerning Cookies served on our Services by taking the steps outlined below.

Browser Settings: You may alter the Cookie settings in your browser settings at any time. You may accept all or only certain Cookies. If you disable Cookies in your browser settings, however, you may find that certain sections of our Services will not work.

- First-Party Cookies: If you do not want Cookies placed on your device, you can adjust the setting of your Internet browser to reject some or all Cookies and to alert you when a Cookie is placed on your device. To do this, follow the instructions provided by your browser (usually located within the “Help,” “Tools,” or “Edit” settings). While adjusting your browser setting can prevent the future placement of Cookies, it does not remove existing persistent Cookies.

- Third-Party Cookies: Browsers also allow you to block third-party Cookies using the steps described above for first-party Cookies.

Preferences Tools: There are several services available that can assist you with managing your Cookie preferences, including industry groups, standards associations, and tools provided by the Cookie providers and social media sites. Please note that we have no affiliation with, and are not responsible for, third-party websites.

- Privacy plug-ins: You can block cookies used for interest-based ads by installing browser plugins like Privacy Badger, DuckDuckGo, Ghostery, or uBlock Origin and configuring them to block third-party cookies/trackers.

- Google Analytics: You may download the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout.

- DAA: You may use the Digital Advertising Alliance (“DAA”) consumer choice tools to apply opt-outs to interest-based advertising and other applicable uses of web-viewing data by DAA participating companies by visiting http://optout.aboutads.info/?c=2&lang=EN#completed.

- NAI: You may also manage opt-outs through the Network Advertising Initiative (“NAI”) opt-out tool at http://optout.networkadvertising.org/?c=1

- Web Beacons and Pixels: You may avoid web beacons and pixels by disabling the functionality that allows remote images to load in your email account and refraining from clicking on any links in email messages.

Opting out through these mechanisms does not block all online advertising. You will continue to receive generic advertisements.

To learn more about how to manage Cookies and opt-out of Cookies being placed on your devices, please visit www.allaboutcookies.org.

6. "Do Not Track" Preferences

The Fundshine Services do not monitor for or behave differently if your browser or device transmits a “Do Not Track” or similar message.

Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. There is no consensus among industry participants as to what “Do Not Track” means in this context. Like many websites and online services, Fundshine does not currently alter our practices when we receive a “Do Not Track” signal from a visitor’s browser except as specifically required by law. For information about “Do Not Track” please visit All About DNT.

7. Payment Processors

The Fundshine Services do not monitor for or behave differently if your browser or device transmits a “Do Not Track” or similar message.

8. Fundshine’s Business Partners

We partner with non-affiliated third parties to provide certain features and functionality within the Services (each a “Business Partner”). When using certain Services or features of our Services, such as applying for a Fundshine Offering, you may interact with one of our Business Partners. For example, the Services may provide the opportunity for you to link to or import information from an external financial or payroll account through one of our Business Partners. By using any services or features provided by a Business Partner, you acknowledge and agree that the Business Partner’s privacy policy and terms will apply to and govern the personal information collected, accessed, or otherwise processed by the Business Partner. Business Partners may also connect you with other third-party financial institutions with whom they partner to provide services. For example, certain Business Partners may connect you with a bank to obtain a payment card or to establish a bank account. You acknowledge and agree that such third-party financial institution’s privacy policy and terms will apply to and govern the personal information processed by it. Further, you expressly grant the Business Partner the right, power, and authority to access and transmit your information as reasonably necessary for the Business Partner to provide the services to you. Fundshine’s Business Partners are listed below, but please note that this list may change from time to time.

- Plaid Inc. (“Plaid”) - Terms of Service and Privacy Policy.

- Atomic (“Atomic”) - Terms of Service & Privacy Policy

Please note that our Business Partners may require you to provide certain login access credentials (e.g., username and password) or other account or financial information. This information is provided directly to the relevant Business Partner under the Business Partner’s privacy policy. This information allows our Business Partner to gain online access to the account you maintain with a third-party (e.g., financial institution or payroll provider) and that you choose to designate for use in connection with the Services. The account login credentials of your bank account are not stored at or accessible to anyone at Fundshine.

9. Third-Party Links

We may provide links to other websites, applications, services, or resources with which we do not have a contractual relationship and over which we do not have control (“External Websites”). This Privacy Policy does not apply to or cover External Websites. Such links are not paid advertisements, nor do they constitute an endorsement by Fundshine of those External Websites and are provided to you only as a convenience. By clicking on links to the External Websites, the operators of the External Websites may collect personal information. We are not responsible for the content or data collection practices of those External Websites, and your use of External Websites is subject to their respective terms of use and privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

10. Third-Party Social Media Plugins

The Services may offer Social Media Platform sharing features and other integrated tools that enable you to share or view certain content via social media sites (such as the Twitter “Follow” button). These features may function as cookies or web beacons when you interact with them and collect information such as information about your device or your interactions with the Services, such as what you’re viewing through the Services. If you are logged in to your account with the third party, the third party may be able to link information about your interactions with the Services to your account with them. Please refer to each third party’s privacy policies to learn more about its data practices.

11. Children’s Privacy

Our Services are not intended for use by anyone younger than the age of 18 or applicable legal age. We do not knowingly collect personal information from children younger than the age of 18 without the consent of a parent or legal guardian, as required under applicable law. If you learn or believe that a child under the age of 18 has provided us with personal information, please contact us using the methods provided in the “Contact Us” section of this Privacy Policy below.

12. Your Choices

(a) Information You Provide

To stop receiving, or opt-out of, promotional email communications from Fundshine, click on the “unsubscribe” link or follow the relevant opt-out instructions within the marketing communication. To stop receiving SMS marketing communications from Fundshine, you can opt out at any time by responding with the opt-out notice indicated in the SMS communication. If you opt-out of receiving marketing emails or text messages, we will still send you transactional emails or text messages, such as for responses to your requests or communications about your account.

(b) Third Party Advertising and Analytics

Fundshine works with third-party network advertisers, ad agencies, and other advertising partners to serve Fundshine ads online. We may use information we have learned about you to target ads to you and to allow our third-party advertising partners (e.g., Meta/Facebook, Google, Apple Search Ads, etc.) to manage our advertising on their websites. We also use third-party analytics providers to provide us with information regarding the use of the Services and the effectiveness of our advertisements. For more information about the tracking technologies that these third parties use and your options, please see the Cookies and Tracking Technologies section above.

13. How Long We Retain Personal Information

We retain personal information for the purposes stated in this Privacy Policy and as required under applicable law. To determine how long we keep personal information, we consider the amount, nature, and sensitivity of personal information, the reasons for which we collect and process the information, and applicable legal requirements.

14. How We Protect Personal Information

At Fundshine, we take our responsibility to protect the security and privacy of personal information seriously. We have implemented what we believe to be reasonable and appropriate security measures designed to prevent personal information from being lost, used, accessed, altered, or disclosed in an unauthorized or unlawful way.

To help protect personal data, we recommend that you use a strong password.

If you have reason to believe that your information is no longer secure, please let us know by contacting us using the methods provided in the “Contact Us” section of this Privacy Policy below.

15. California “Shine the Light” Disclosure

The California “Shine the Light” law gives residents of California the right under certain circumstances to opt-out of the sharing of certain categories of personal information with third parties for their direct marketing purposes. We do not currently share personal information with third parties for their own direct marketing purposes.

16. Notice to Nevada Residents

Under Nevada law, Nevada “consumers” (individuals who are seeking or acquiring goods/services for personal, family, or household purposes) may opt out of the sale of covered personal information.

Fundshine does not currently sell covered information of Nevada consumers as defined under applicable Nevada law.

You may submit an opt-out request by sending your request to the email address or mailing address specified in the Contact Us Section below, along with your full name, complete mailing address (including street address, city, state, and zip code), email address (so that we can contact you, if needed, in connection with the request), and confirmation that you are a Nevada resident.

17. International Data Transfers

The personal information that we collect or receive may be transferred to and processed in countries located outside of your country of residence to the countries where we or our third-party service providers process such information. The data protection laws of the countries where personal information is processed may not be as comprehensive as or equivalent to those in your country of residence. Whenever we transfer personal information internationally, we take steps to protect it as required under applicable law.

18. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. When we update this Privacy Policy, we will revise the “Last Updated and Effective Date” at the top of this Privacy Policy and post a link to the updated Privacy Policy on our Website. Changes to this Privacy Policy are effective when they are posted. If we make any material changes, we will provide you with notice as required under applicable law. Please review this Privacy Policy periodically to ensure you are aware of any such changes.

19. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us by email at support@fundshine.com.

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