Welcome to the Top Flite Financial website, available at WWW.TOPFLITECD.COM (this “Site”). This statement discloses the privacy practices and notices (“Policy”) for the Top Flite Financial Site and describes how we collect, protect, and use the information we receive from visitors to our Site.

Privacy Policy

Welcome to the Top Flite Financial website, available at www.topflitefinancial.com (this “Site”). This statement discloses the privacy practices and notices (“Policy”) for the Top Flite Financial Site and describes how we collect, protect, and use the information we receive from visitors to our Site.

THE INFORMATION WE COLLECT
There are two kinds of information websites can obtain about you:

Anonymous Information: Anonymous Information is aggregate data that websites use to administer their sites. It may include such information as your browser type or your Internet Protocol (IP) address. Pre-Approved Credit Inc. may from time to time retain third parties to help us collect and aggregate Site customer information.

IP Addresses – An IP address is a unique string of numbers that is assigned to your computer by your Internet Service Provider. Web servers automatically identify your computer by its IP address. We use your IP address to help diagnose problems with our server, to administer our Site and may use it to gather broad demographic information.

Personally Identifiable Information: Personally Identifiable Information is any information that personally identifies you, such as your name, email address or telephone number. Sometimes this personal information is needed when you register to obtain a quote from a lender, or when you contact us. We may ask you to provide us with personal information on a voluntary basis in certain areas of our Site. In particular, you may be asked to provide the following information:

Registration/Qualification Forms – When you complete a qualification form on the Site, you will need to provide personal and financial information such as your name, phone number, Social Security Number, e-mail address, income, and other financial information depending upon your expressed loan or real estate referral preference. Your information is released to us only after you click on the “Submit” button. These lenders may contact you directly via phone, e-mail, or other communications. We operate under federal and/or state laws. Your email address is required on this form so we can answer your questions, and we want your name, too, so we can address our answer in a mannerly way. Top Flite may put information from email on file but does not currently share, sell, license, or transmit this information with third parties without express authorization from you.

HOW WE USE GATHERED INFORMATION
The information you share with us may be used in a few ways:

Anonymous Information: Anonymous Information is used internally for Site administration, troubleshooting and to help improve the quality of the web pages. We may share such aggregated, non-personally identifiable information, such as demographics, with existing and prospective business partners and advertisers. We never connect aggregate information with Personally Identifiable Information, and none of the aggregate information we share will contain any information that identifies you individually.

Personally Identifiable Information: Personally Identifiable information collected by Top Flite Inc. may be used for purposes including administration of the Site, lead processing, and communications with you. In all cases, however, we will use your information only as permitted by law. We may also disclose Personally Identifiable Information if we are required to do so by law or we in good faith believe that such action is necessary to (a) comply with the law or with legal process; (b) protect and defend our rights and property; (c) protect against misuse or unauthorized use of the Site; or (d) protect the personal safety or property of our users or the public. Please note that we may not provide you with notice prior to disclosure in such cases.

OPT-OUT
Although most Top Flite users indicate that they welcome details of offers and other promotional material about us, as well as products and services provided by our business partners and advertisers, we support the right of our visitors to choose. You will be given the right to opt-out of receiving such information whenever you are asked to provide Personally Identifiable Information on this Site. If you do not opt out at that time, but later decide that you do not wish to receive future communications of this nature you can contact us at 866-301-0653 or at the address provided below, indicating that you no longer want to receive (a) information relating to the Top Flite Site; or (b) information relating to products and services provided by our business partners and affiliates

ACCESS AND CORRECTION
You have a right to know about the personal information that Top Flite Inc. holds about you, including the right to correct, amend, or delete the information that Top Flite Inc. has on file if it is incorrect. If you wish to exercise these rights please contact us by email or postal mail at the addresses below.

SECURITY
This Site incorporates appropriate safeguards to protect the security, integrity, completeness, accuracy, and privacy of the personal information we have collected. We have put in place reasonable precautions to protect information from loss, misuse, and alteration. Our security and privacy policies are periodically reviewed and enhanced as required and only authorized individuals have access to the information you provide. Security of information communicated by or to us over the Internet is of utmost concern to us; however, no data transmission over the Internet can be guaranteed to be 100% secure. Please note that your email, like most, if not all, non-encrypted Internet communications, may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use email to communicate information to us that you consider confidential. While we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us or through our Site, and you do so at your own risk. Once we receive your transmission, we will use reasonable efforts to ensure its security on our internal systems. Depending on the nature of the inquiry, your communication may be discarded or archived. If you wish, you may contact us instead via telephone at the numbers provided throughout our Site.

OUR COMMITMENT TO CHILDREN’S PRIVACY
Protecting the privacy of children is very important to us. The Children’s Online Privacy and Protection Act of 1998 (“COPPA”) defines a “Child” as anyone under the age of 13. Top Flite Inc. strictly adheres to COPPA. For that reason, we do not collect or maintain information obtained through our Site from those we actually know are under 13, and no part of our Site is structured to attract anyone under 13.

EXTERNAL LINKS
This Site provides links and/or ad banners to various websites or sponsors that we do not control for your convenience. When you click on one of these links, you will be transferred out of our Site and connected to the website of the organization or company that you selected. We are not responsible for the nature, quality, or accuracy of the content or opinions expressed in such websites, and such websites are not investigated, monitored, or checked for quality, accuracy, or completeness by us. Inclusion of any linked website on the Top Flite Site does not imply or express an approval or endorsement of the linked website by us, or of any of the content, opinions, products, or services provided on these websites. Even if an affiliation exists between our Site and a third-party website, we exercise no control over linked sites. Each of these linked sites maintains its own independent privacy and data collection policies and procedures. If you visit a website that is linked to our Site, we encourage you to consult that website’s privacy policy before providing any personal information and whenever interacting with any website.

CONSENT AND MODIFICATIONS TO PRIVACY STATEMENT
This Site is controlled, operated, and administered entirely within the United States. By using this Site, you signify your agreement to the terms of this Policy. If you do not agree with this Policy, please do not disclose any personal information through this Site. This Policy and the use of this Site are governed by Michigan law. Any claim related to the Site or this policy shall be brought in a federal or state court in Michigan, within one year after the claim arises. Users of the Site consent to the jurisdiction and venue of such courts as the most convenient and appropriate for the resolution of disputes concerning this Policy. This Policy and the notices outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any third party.

MODIFICATIONS TO PRIVACY POLICY
Top Flite may modify this policy at any time and at its discretion. If changes are made, the effective date at the top of this policy will be updated and a new print form will be made available. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.

ACCOUNT REVISIONS, REVOKING AND DELETING PERSONAL INFORMATION
We welcome your questions, comments, and all feedback pertaining to your privacy or any other issue with regard to the Top Flite Site.

At any time, you may revoke your consent, cease further use of your email address to send you updates and direct us to delete the information you have supplied. Although it is not always possible to remove or modify information in the databases, we will make reasonable efforts to do so. If you have given us information for one of those third parties we mentioned above and we have already passed it on, we cannot delete or change the information.

In the event that you have given us Personally Identifiable Information in the past and then have second thoughts or want to update it, you may send an email or contact us by phone.

SMS Terms for Top Flite Financial

PLEASE READ THESE TERMS OF USE CAREFULLY, as they contain an agreement to arbitrate and other important information regarding your legal rights, remedies, and obligations. The Agreement to arbitrate requires (with limited exception) that you submit claims you have against us to binding and final arbitration. Additionally, (1) you will only be permitted to pursue claims against Top Flite Financial on an individual basis, not as a plaintiff or class member in any class action or representative action or proceeding; (2) you will only be permitted to seek relief (including monetary, injunctive, and declaratory relief) on an individual basis, and (3) you may not be able to have any claims you have against us resolved by a jury or in a court of law.

Agreement to Arbitrate: This Agreement to Arbitrate, referred to in these Terms of Use as the “Arbitration Agreement,” stipulates that any disputes, claims, or controversies relating to this Arbitration Agreement or the relationship between you and Top Flite Financial, Inc., or its parents, subsidiaries, or affiliates (collectively “COMPANY”), whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, shall be submitted to the American Arbitration Association (“AAA”) for confidential, final, and binding arbitration.

Prohibition of Class and Representative Actions and Non-Individualized Relief: YOU AND COMPANY AGREE that each may bring claims against the other only individually and not as a plaintiff or class member in any class, representative action, or proceeding. The arbitrator may not consolidate more than one person’s or party’s claims and may only provide relief necessary for the individual party’s claim(s).

Arbitration Procedures: Arbitration will be conducted under AAA Streamlined Rules and comply with the AAA Consumer Minimum Standards. The arbitrator shall have exclusive authority to resolve disputes relating to the terms of this Agreement.

Governing Law: The laws of the State of Missouri, Michigan, and the United States govern this Agreement without reference to choice or conflict of law principles.

Privacy Policy and Opting In: You agree to Top Flite Financials’ privacy policy by granting consent for SMS texting. You can subscribe by texting START to our designated number. To unsubscribe, text STOP. For assistance, text HELP or contact our Customer Service. Message frequency will vary.

Disclaimers and Licenses: Top Flite Financial, Inc. is an Equal Housing Opportunity Lender and complies with all federal regulations, including ECOA. Our licensing information can be found at: https://topflitecd.com/about/licensing/

Additional Disclosures: By signing up for Top Flite Financial Texting, you provide consent for us to contact you about loan-related information and services. Message and data rates may apply. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

You can cancel this service at any time, reply “STOP” to the message. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. If you wish to opt back in again, you can text “START” to start receiving SMS again. Carriers are not liable for delayed or undelivered messages (After Help , Stop Line).

If at any time you forget what keywords are supported, text “HELP” to the message for help. After you send the message “HELP” to us, we will respond with instructions on how to use our service and/or unsubscribe.

Complaints and Contact: For complaints or inquiries, contact our Customer Service Department at contact@topflitefinancial.com

Phone Numbers Owned and Managed By Top Flite Financial, Inc.

5412504022, 4842491646, 9282186516, 9496498125, 7207807268, 2029333813, 3218788940, 9548694434, 9126666171, 8142643341, 4012494754, 8434838832, 8646332904, 2107963752, 3252214852, 4096844826, 6822631662, 8302648201, 8326623443, 2622182355, 5343443571, 9203158085, 3142824560, 3147565536, 3144084590, 3147481287, 3142279841, 3144084602, 3147565537, 3144610415, 3146987190, 8479168759, 7853478493, 3648885844, 3183785608, 5045652574, 3392138390, 5085931327, 8573538062, 2314653125, 3134884005, 9893083190, 3146483942, 4022436545, 8563675148, 9086519746, 9732184885, 3142690318, 3147481286, 3144084604, 3146902254, 6197371932, 8163071131, 8186179443, 4085835406, 8163124146, 5107377804, 5302707864, 5615665673, 5302876240, 9094795511, 6196584840, 4075318219, 8165425923, 3144517269, 6027731206, 5592365362, 5625266092, 8183039167, 3176762945, 4075841469, 3144088656, 5202010348, 2098854652, 4157077691, 5625688724, 7143611326, 9254380806, 9705285919, 4079747634, 2292803065, 4782490559, 7622526002, 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3147481278, 3147481296, 3144610421, 3147481289, 3147481288, 3147981568, 3147481284, 2192096945, 6202448069, 5028379076, 2524188345, 7027186580, 5184127530, 5853674708, 3147481294, 3144084586, 3147481274, 3144084645, 3145903332, 4077537713, 7602748410, 8164340231, 2093993101, 5135472023, 4055927995, 4582219546, 2727702658, 2568264037, 3238596587, 5595438678, 6196030751, 6692050726, 9255688952, 3524882953, 8508054984, 8634561978, 4702609584, 2242689798, 9014378977, 4322513725, 4342774979, 5715203143, 7033825967, 7576652202, 8022664787, 2062783013, 3143914418, 3147825892, 3147485263, 3147481280, 3144610416, 3147565532, 3147565534, 2704260362, 8593742013, 4106189519, 4432470538, 5173003426, 9803995792, 3082482294, 2017293354, 5052954712, 2163044613, 3147481285, 3147489121, 3147981583, 7602497473, 5035066487, 8166883713, 7609913995, 6194924630, 3363969362, 5107819806, 5302876304, 7029031120, 3147485261, 5034704447, 2674818542, 9382223603, 4807803745, 2098508016, 4422392390, 5305006280, 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