Privacy Policy

Effective Date: April 1, 2026  |  Last Updated: April 1, 2026

Edson Technologies Inc. ("Company," "we," "our," or "us") operates the LoanForge platform, which includes a borrower-facing intake portal (the "Portal"). This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use the Portal to submit a loan application or related documentation to a lending institution that uses our platform (the "Lender").

By using the Portal, you acknowledge that you have read, understood, and agree to the practices described in this Privacy Policy.

1. Information We Collect

1.1 Information You Provide

When you use the Portal to submit a loan application, we may collect the following categories of personal information on behalf of your Lender:

• Identity Information: Full name, date of birth, Social Security Number, government-issued identification numbers, and contact information (address, email, phone number).
• Financial Information: Income, employment information, assets, liabilities, bank account details, credit information, and tax returns.
• Property Information: Property addresses, property types, valuations, liens, and related real estate data.
• Loan Application Data: Loan amount requested, loan purpose, loan terms, and answers to underwriting questions.
• Documents: Files you upload, including identification documents, financial statements, tax returns, property records, and other supporting documentation.

1.2 Information Collected Automatically

When you access the Portal, we automatically collect certain technical information, including: IP address, browser type and version, device type, operating system, referring URLs, pages viewed, and timestamps of access. We use this information for security monitoring, fraud prevention, and to improve the Portal's functionality.

1.3 Cookies and Tracking

The Portal uses essential cookies required for the Portal to function (such as session management and security tokens). We do not use advertising cookies or third-party tracking cookies on the borrower intake Portal.

2. How We Use Your Information

We use your personal information solely for the following purposes:

• To facilitate the transmission of your loan application and supporting documents to your Lender;
• To provide AI-assisted document classification, data extraction, and analysis to support the Lender's underwriting process;
• To maintain the security and integrity of the Portal and prevent fraud;
• To comply with applicable laws, regulations, and legal processes;
• To improve and develop the Portal's functionality (using aggregated, de-identified data only).

3. How We Share Your Information

• With Your Lender: Your personal information is shared with the lending institution you are applying to. The Lender is the primary controller of your personal data.
• Service Providers: We share information with trusted service providers who assist in operating the Portal, including our cloud infrastructure provider (Microsoft Azure) and AI processing services.
• Legal Requirements: We may disclose information if required by law, regulation, subpoena, court order, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of our business, personal information may be transferred to the successor entity.

We do not sell your personal information. We do not share your personal information with third parties for their direct marketing purposes.

4. Data Security

We implement industry-standard security measures to protect your personal information, including: encryption of all data in transit (TLS 1.2+) and at rest (AES-256); multi-factor authentication for system access; logical isolation of each Lender's data; regular security assessments and monitoring; and access controls limiting personnel access to your data.

5. Data Retention

We retain your personal information for as long as necessary to provide services to your Lender, comply with legal obligations, resolve disputes, and enforce our agreements. When your Lender's relationship with us ends, your data is returned to the Lender or securely deleted in accordance with our contractual obligations.

6. Your Rights

6.1 General Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information. Because we process your data on behalf of your Lender (who is the controller), most data subject requests should be directed to your Lender.

6.2 California Residents (CCPA/CPRA)

If you are a California resident, you have the right to: know what personal information we collect about you; request deletion of your personal information; opt out of the sale of your personal information (we do not sell personal information); and not be discriminated against for exercising your rights. To exercise these rights, contact your Lender or email us at privacy@edsontechnologies.com.

6.3 Other State Privacy Laws

Residents of states with comprehensive privacy laws (including Virginia, Colorado, Connecticut, Utah, Texas, and others) may have similar rights to access, correct, delete, and opt out of processing of their personal information.

7. AI Processing Disclosure

The LoanForge platform uses artificial intelligence and machine learning technologies to classify and extract data from uploaded documents, assist in underwriting analysis, and identify potential issues or discrepancies in loan applications. AI processing is used to assist your Lender's staff, not to make autonomous lending decisions. All AI-generated outputs are reviewed by qualified human personnel at your Lender before any lending decision is made.

8. Children's Privacy

The Portal is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the revised policy on the Portal with the updated effective date. Your continued use of the Portal after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy, please contact us at:
Edson Technologies Inc.
732 S. 6th St. Ste. R, Las Vegas, NV 89101
privacy@edsontechnologies.com

Terms of Service

Effective Date: April 1, 2026  |  Last Updated: April 1, 2026

These Terms of Service ("Terms") govern your use of the LoanForge Borrower Intake Portal (the "Portal") operated by Edson Technologies Inc., a Nevada corporation ("Company," "we," "our," or "us"). By accessing or using the Portal, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using the Portal, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you do not agree to these Terms, do not use the Portal.

2. Description of Service

The Portal allows you to submit loan applications, upload supporting documents, and provide information to a lending institution (your "Lender") that uses the LoanForge platform. The Portal is a technology service that facilitates the transmission and processing of your loan application; it does not make lending decisions and does not provide financial advice.

3. Your Responsibilities

3.1 Accuracy of Information

You are responsible for ensuring that all information you submit through the Portal is accurate, complete, and truthful. Submitting false or misleading information may violate applicable laws, including federal and state fraud statutes, and may result in the denial of your loan application.

3.2 Authorized Use

You agree to use the Portal only for its intended purpose of submitting loan applications and related documentation. You shall not: attempt to gain unauthorized access to any part of the Portal or its underlying systems; use the Portal to transmit viruses, malware, or other harmful content; interfere with or disrupt the Portal's operations; use automated tools to access the Portal; or use the Portal for any illegal or unauthorized purpose.

3.3 Document Uploads

You represent and warrant that you have the right to upload all documents you submit through the Portal and that such documents do not infringe any third party's rights.

4. Intellectual Property

The Portal, including its design, features, functionality, software, and content (excluding your submitted information), is the property of Edson Technologies Inc. and is protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Portal solely for the purpose of submitting your loan application.

5. Relationship with Your Lender

We provide the Portal as a technology service to your Lender. Your lending relationship is with your Lender, not with us. Any questions about your loan application, approval, terms, or status should be directed to your Lender. We are not responsible for your Lender's lending decisions, practices, or compliance with applicable lending laws.

6. AI-Assisted Processing

The Portal uses AI technology to classify documents, extract data, and assist in processing your application. AI processing is designed to improve speed and accuracy. All AI-generated outputs are reviewed by human personnel at your Lender. We do not make lending decisions using AI without human oversight.

7. Privacy

Your use of the Portal is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Portal, you consent to the data practices described in the Privacy Policy.

8. Disclaimer of Warranties

THE PORTAL IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PORTAL WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EDSON TECHNOLOGIES INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE PORTAL, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, DENIAL OF A LOAN APPLICATION, OR DELAYS IN PROCESSING. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM YOUR USE OF THE PORTAL SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

10. Indemnification

You agree to indemnify, defend, and hold harmless Edson Technologies Inc. and its officers, directors, employees, and agents from and against any claims, damages, losses, and expenses arising from: your use of the Portal; your violation of these Terms; any inaccurate or misleading information you submit; or your violation of any applicable law.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of laws principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Clark County, Nevada.

12. Changes to These Terms

We may update these Terms from time to time. The revised Terms will be posted on the Portal with an updated effective date. Your continued use of the Portal after any changes constitutes acceptance of the updated Terms.

13. Contact Us

If you have questions about these Terms, please contact us at:
Edson Technologies Inc.
732 S. 6th St. Ste. R, Las Vegas, NV 89101
legal@edsontechnologies.com