Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by Texas Global, LLC (“Texas Global”) (collectively, our “online services”). This policy covers Texas Global’s online services, including the Texas Global website, the Texas Global mobile application, Texas Global-branded social media pages and profiles, and interactions related to Texas Global digital advertising campaigns.

As you review this Online Privacy Policy, please keep the following principles in mind:

• Our online services are intended to comply with applicable laws of the United States. If you access our services from outside the U.S., you may also be subject to the laws and regulations of your jurisdiction.
• If you visit or use our online services, your information may be transferred to and processed in the United States.
• Our online services are not intended for children under the age of 13. We do not knowingly collect personal information from children under 13 without parental consent.
• Certain Texas Global online services, including mobile applications and social media pages, may contain additional privacy terms specific to those platforms.
• If you have any questions regarding this policy, please contact us through the Contact page at texasglobal.com.

INFORMATION WE COLLECT

Client Information

When you visit or use our online services, we may collect personal information from or about you, including your name, email address, mailing address, telephone number(s), account numbers, limited location information, username, and password. Where reasonably required for ordinary business purposes, we may also collect payment card information, tax identification numbers, passport numbers, or comparable identification information.

Usage and Other Information

In addition to the client information described above, we may collect information regarding your use of our online services, including your IP address, device and browser type, operating system, referring websites, pages accessed within our online services, and websites visited after leaving our online services. We and our third-party service providers may also use cookies, web beacons, pixel tags, and other tracking technologies to collect and store information related to your interaction with our online services. We may associate usage data with other information we collect about you.

Texas Global Mobile

For your convenience, Texas Global provides access to certain services through mobile applications and mobile-optimized websites (“Texas Global Mobile”). When you interact with Texas Global Mobile, we may collect unique device identifiers, screen resolution and device settings, location information, and mobile usage analytics. We may request your permission before collecting certain information, such as precise geolocation data.

Additional Sources of Information

We may also collect information about you from additional online and offline sources and combine that information with the information we already maintain about you under this policy.

Use of Information

We may use the information described above for purposes including:

• Processing applications and transactions
• Verifying your identity
• Preventing fraud and enhancing security
• Responding to inquiries and communicating with you
• Managing your preferences
• Performing analytics related to our online services
• Providing tailored content and marketing communications
• Operating, evaluating, and improving our business
• Developing and improving products and services
• Performing accounting, auditing, and internal business functions
• Complying with legal and regulatory obligations
• Enforcing contractual obligations and company policies
• Any additional purposes disclosed at the time information is collected

We may also use aggregated or anonymized data that does not identify individual users for lawful business purposes.

Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

DISCLOSURE OF INFORMATION

We may share information collected from and about you as described below.

We may share your information with affiliates, trusted third-party service providers, technology infrastructure providers, secure file transfer providers, transaction processing providers, and document management providers. We may also share your information in connection with co-branded products, services, or programs you request.

These third parties are contractually obligated to protect your information, maintain appropriate security safeguards, and use your information only for authorized purposes. Texas Global does not sell personal information to third parties.

We may disclose information as required by law, regulation, or legal process, or to protect the rights, property, or safety of Texas Global, our clients, or others. Where appropriate, we will limit the sharing of your information.

We may also share anonymous or aggregated information with third parties for analytics, operational, and service improvement purposes.

Understanding Cookies, Web Beacons, and Other Tracking Technologies

We and our service providers may use cookies, web beacons, local shared objects, and similar technologies for purposes such as fraud prevention, security monitoring, measuring advertising and marketing effectiveness, and improving user experience. Some technologies may detect characteristics or settings of the device used to access our services.

• “Cookies” are small data files stored on your device by websites. Cookies may track areas of interest, customize your experience, and help us understand usage patterns over time. Most web browsers allow you to decline or delete cookies; however, doing so may affect your experience with our online services.
• Clear GIFs, pixel tags, web beacons, and similar technologies may be used on websites, emails, digital advertisements, and marketing communications to help us recognize users, measure engagement, assess traffic patterns, and evaluate marketing campaign performance.
• Local Shared Objects (“flash cookies”) may be stored through media players or software installed on your device. These function similarly to browser cookies but may not be managed through standard browser settings.

LINKING TO THIRD-PARTY WEBSITES

Texas Global may provide links to websites operated by third parties (“third-party websites”). If you visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from those of Texas Global. We encourage you to review the privacy policies and terms of use of any third-party websites before providing information.

SECURITY

We maintain reasonable physical, electronic, and procedural safeguards designed to protect personal information and comply with applicable legal and regulatory standards. These safeguards include device protections, secure systems, restricted file access, and physical building security.

Please note that information transmitted electronically may not always be secure during transmission. We recommend avoiding unsecured channels when sending sensitive or confidential information.

UPDATING YOUR INFORMATION

Maintaining accurate account information is important. If you need to update your information, please contact us through the Contact Us page at texasglobal.com.

CHANGES TO THIS ONLINE PRIVACY POLICY

Texas Global may update this Online Privacy Policy from time to time. When changes are made, we will provide notice by posting the revised policy with an updated “Last Updated” date. Any changes become effective when posted unless otherwise stated.