PRIVACY NOTICE

FACTS: What does Serra Nova Financial do with your personal information?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security Number and income

• Account balances and payment history

• Credit history and credit score

HOW?

All financial companies need to share customers’ personal information to run their everyday business. Below are the reasons financial companies can share their customers’ personal information, the reasons Serra Nova Financial chooses to share, and whether you can limit this sharing.

REASONS WE CAN SHARE YOUR PERSONAL INFORMATION

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus: YES, you cannot limit this sharing.

For our marketing purposes – to offer our products and services to you: YES, you cannot limit this sharing.

For joint marketing with other financial companies: YES, you cannot limit this sharing.

For our affiliates’ everyday business purposes – information about your transactions and experiences: YES, you cannot limit this sharing.

For our affiliates’ everyday business purposes – information about your creditworthiness: YES, you can limit this sharing.

For our affiliates to market to you: YES, you can limit this sharing.

For non-affiliates to market to you: YES, you can limit this sharing.

TO LIMIT OUR SHARING

Call 727-614-5690 — our menu will prompt you through your choice(s).

Email: operations@serranovafinancial.com

Mail the form at the end of this notice.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. You can contact us anytime to limit our sharing.

QUESTIONS?

Call 727-614-5690 or visit www.serranovafinancial.com

MAIL-IN FORM

Mark any/all you want to limit:

☐ Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

☐ Do not allow your affiliates to use my personal information to market to me.

☐ Do not share my personal information with non-affiliates to market their products and services to me.

Name: __________________________

Address: ________________________

City, State, Zip: ___________________

Program #: ______________________

Mail to:

Serra Nova Financial

30 N Gould St Ste N

Sheridan, WY 82801

WHAT WE DO

How does Serra Nova Financial protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These include computer safeguards and secured files and buildings.

How does Serra Nova Financial collect my personal information?

We collect your personal information, for example, when you:

• Apply for one of our programs or give us your contact information

• Provide or allow us access to your income and employment information or give us your employment history

• Provide or allow us access to your account information

  We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes – information about your creditworthiness

• Affiliates from using your information to market to you

• Sharing for non-affiliates to market to you

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies. Serra Nova Financial may be affiliated with related entities that offer financial products and services under the Serra Nova brand, and this privacy policy applies to all programs, products, or services offered by these companies.

Non-affiliates: Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include service providers and direct marketing companies.

Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you. Non-affiliates we may jointly market with include financial institutions, service providers, and direct marketing companies.

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

OTHER IMPORTANT INFORMATION

State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your Agreement with Serra Nova Financial, we will provide this Privacy Policy to you at least annually.

California Residents:

We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices.

Nevada Residents:

If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling 727-614-5690.

This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General’s Office at 100 North Carson Street, Carson City NV 89701, (775) 684-1100, or aginfo@ag.nv.gov.

Montana Residents:

We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors.

JOB APPLICANTS – SMS TERMS

Serra Nova Financial offers you the option to engage in SMS text conversations about your job application. By participating, you understand that message frequency may vary depending on the status of your job application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help.

By opting in to receive SMS text messages about your job application, you agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing updates and information related to your job application. We are committed to protecting your privacy and will not share or sell your consent data, mobile numbers, or personal information to third parties under any circumstances.

Effective Date: January 2025

Serra Nova Financial

30 N Gould St Ste N, Sheridan, WY 82801

Phone: 727-614-5690

Email: operations@serranovafinancial.com

Website: www.serranovafinancial.com