This Privacy Policy provides a description of how Third National collects, uses, and shares information about you as well as your rights and choices regarding such information. "Third National", "we", "our", and "us" refers to Third National, including its affiliates, successors, assigns, and subsidiaries, and "you" or "your" refers to the natural person interacting with us.

By accessing the Site or by applying for or using the Services, you represent that you have read and agree to be bound by this Privacy Policy, including consenting to our collection, use, and sharing of Personal Information. If you do not agree, please notify us in writing, close your Third National Account, delete any cookies you may have on your devices, and cease all use of the Services.

This Privacy Policy applies to the Third National website at https://3rdnational.com/ (including any subdomains or mobile applications of such sites) (the "Sites") or use of any Services (as defined in the Dashboard Agreement). Any capitalized terms not defined herein will have the meaning assigned to them in the Dashboard Agreement or accompanying agreements including but not limited to the Card Terms, the Authorized User Agreement, the Privacy Policy, and the Bill Pay Agreement. This Privacy Policy does not apply to any other website operated by any third party.

We reserve the right to amend this Privacy Policy at any time. When we make changes to this Privacy Policy, they will be posted on this page and the "Last Updated" date, above, will be modified. Notwithstanding the foregoing, by continuing to use the Services, you agree to be bound by such amendments, additional obligations or restrictions. If you are a Brazilian resident, please see the additional disclosures at the end of this Privacy Policy.

In general, this Privacy Policy explains: What information we collect, how we use it, and the choices you can make about the way your information is collected and used.

We collect information when you use or interact with our Services or Sites. This may include:

• "Personal Information" which means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer, device, or household. Examples include:
• First name, last name
• Email address
• Phone number
• Date of Birth
• Social Security Number, driver's license, and / or passport as needed for account creation
• Shipping address
• "Company Information" which means any information related to, or identifying, the Company which is using the Services. Examples include:
• Company name
• Company address
• Formation or other incorporation documents
• Company jurisdiction
• Company tax identification number
• Company registration number
• Beneficial owners
• Wallet Address

We or our vendors or service providers may also automatically collect information when you use the Sites or the Services to, for example, protect against fraud or to improve our products, Services, and user experience. This information can include:

• Your browser type
• Your device type or operating system
• Your device's location and other information sent by your device
• Your device's IP address
• Your interaction with the Site or the Services, such as number of clicks, landing pages and pages viewed

We utilize session replay software to capture this information, and by using the Site or the Services you consent to our capture and use of this information.

We may collect or have access to transactional information about your use of the Services. This information can include:

• Amount, type, and size of transactions or purchase details
• Date and time of transactions
• Merchants where you have transacted using a Third National Card
• Repayment history
• Financial data

Like many online services, we may use cookies or other tracking technologies to collect information about you. Cookies are small pieces of data placed on your computer, phone, or similar device when you use that device to visit the Sites or use our Services. Examples include:

• Session cookies: Help us recognize users who visit our Sites
• Tracking cookies: Help us remember preferences and other settings
• Security cookies: Help us prevent fraud

We may supplement information you provide with data from third parties, such as credit bureaus, fraud detection services, and data analytics providers.

Our business purposes for collecting and using information include:

• Assessing your eligibility to use the Services
• Supporting our internal business operations
• Contacting or communicating with you
• Complying with our own policies and procedures
• Preventing and detecting fraudulent or unauthorized transactions

We share information with categories of parties including:

• Service providers, vendors, and advisors
• Our affiliates for everyday business purposes
• Our financing partners
• Issuers of your Third National Card
• Merchants and businesses with whom you transact
• Third parties as part of a due diligence process
• Federal or state regulatory bodies or law enforcement

We may share aggregated and/or anonymized information with any third parties at any time without restriction to the extent such information cannot be linked back to any identifiable person.

We may use analytics services (such as Google Analytics) to help us understand how users access and use the Services.

We maintain reasonable safeguards designed to ensure the protection of your information from unauthorized access or use. You are responsible for keeping your password confidential.

We will retain your Personal Information as long as permitted by our internal policies or applicable law, and as necessary to provide Services, fulfill permitted purposes, or comply with legal requirements.

We do not knowingly solicit or collect Personal Information from anyone under the age of thirteen (13).

At this time, our Sites do not support Do Not Track ("DNT").

The information in your Third National Account is governed by our agreements with the Company. The Company Administrator is responsible for your Account and Third National Cards.

If you are outside of the United States, your information will be transferred to, stored, and processed in the United States.

You can set your browser to refuse cookies. You can opt-out of promotional emails by contacting [email protected].

If you have any questions, please contact us at: [email protected].

• Nevada Residents: You may submit requests directing us not to sell Personal Information by contacting us at [email protected].
• California Residents (Shine the Light): You may request a list of categories of Personal Information disclosed to third parties for direct marketing purposes.
• Brazilian Residents: You have certain rights under the LGPD, including access, correction, and deletion of data.