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Information Systems (MIS)","value":"Management Information Systems (MIS)"},{"label":"Marketing","value":"Marketing"},{"label":"Math","value":"Math"},{"label":"Mechanical Engineering","value":"Mechanical Engineering"},{"label":"Music","value":"Music"},{"label":"Nursing","value":"Nursing"},{"label":"Nutrition","value":"Nutrition"},{"label":"Other","value":"Other"},{"label":"Philosophy","value":"Philosophy"},{"label":"Physician Assistant","value":"Physician Assistant"},{"label":"Physics","value":"Physics"},{"label":"Political Science","value":"Political Science"},{"label":"Psychology","value":"Psychology"},{"label":"Religion","value":"Religion"},{"label":"Sociology","value":"Sociology"},{"label":"Spanish","value":"Spanish"}],"maxGraduationYear":2036,"minGraduationYear":1926,"isReferralFlow":false,"signupConsentsPath":"/signup_consents?application_uuid=b875a040-7355-4374-8249-3eb1f6e4e80d","partnerParams":{},"isPartnerReferral":false,"pbuProgram":{"siteName":"Customers Bank","slug":"customersbank","loanLabel":"Customers Bank","hostDomain":"customersbank.upstart.com","internal":false,"phoneNumber":"(833) 400-6767","supportEmail":"customersbank.support@upstart.com","servicingPhoneNumber":"(833) 400-0663","servicingSupportEmail":"customersbank.servicing@upstart.com","signupFlowEnabled":true,"referralFlowEnabled":true,"pbuProgramId":3},"trackLegalConsentPath":"/legal_consents/track?application_uuid=b875a040-7355-4374-8249-3eb1f6e4e80d","legalDocuments":{"en":{"esignConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003e Electronic Communications Policy and Consent\u003c/p\u003e\r\n\r\nIn connection with your loan inquiry and any loan transaction, you are entitled by law to receive certain information on paper.  By providing this consent, you agree to receive them electronically instead. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, **\"Communications\"**;) that we, Upstart Network, Inc. (**\"Upstart\"**), and/or Customers Bank, including our affiliates and subsidiaries or our agents, successors and assigns, or service providers,  provide in connection with any loan inquiry, loan offer, loan, or any other products or service you receive from Customers Bank on [www.upstart.com] or any of its subdomains, and the servicing of any loan you receive from Customers Bank.  Your consent gives permission to communicate with you electronically in regard to any activity related to the Customers Bank product and services accessed through the website(s), and is not specific to any loan, inquiry, product, service, or transaction.\r\n\r\nCommunications include, as applicable:\r\n- Any information provided to you about any loan inquiry or loan offers,  including your interest rate, finance charges and APR, and the final terms of your loan;\r\n- Any information provided to you about any product, service, or transaction you receive;\r\n- Any terms and conditions and policies you agree to, including updates to these agreements or policies, and other authorizations you provide;\r\n- Any documents or disclosures provided to you, including payment receipts, notices of default, and  \r\nfederal and state tax statements; and\r\n- Any other information relating to your relationship to Upstart and Customers Bank.\r\n\r\n\r\n\u003cp\u003eWe will provide these Communications to you by posting them on the Customers Bank website after you log-in, and/or by emailing them to you at your registered email address. \u003cu\u003eIt is your responsibility to keep your registered email address up to date so that we can communicate with you electronically\u003c/u\u003e. You have the right to request paper copies of any communication.  Paper copies can be requested by calling 833-400-6767 during our operating hours 6:00 AM PST to 5:00 PM PST, each Monday through Friday that are Business Days. We do not charge a fee for paper copies. \r\n\r\nIn order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Microsoft Edge version 9.0  and above, Firefox version 87.0  and above, Chrome version 89.0  and above, or Safari 13.0 and above); a valid email address; and sufficient storage space to save past Communications or an installed printer to print them.  You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.\r\n\r\nYou have the right to withdraw consent and may withdraw your consent to receive Communications electronically, and to update your contact information we need to contact you electronically, by emailing us at customersbank.support@upstart.com; by calling us at (833) 400-6767 during our operating hours 6:00 AM PST to 5:00 PM PST, each Monday through Friday that are Business Days; or by writing to us via regular mail at Customers Bank Loan Operations, P.O. Box 1503, San Carlos, CA 94070.   If you withdraw your consent prior to completing your application, you will not be able to complete the application process and therefore will not be issued a personal loan.\r\n\r\nYou acknowledge that we may amend this policy at any time by posting a revised version on our website.  If we make a material change to this policy we will also send a notice to your registered email address.\r\n\r\nLast Update: October 22, 2021\r\n\u003c/p\u003e","version":"20211022_11:39:17","category":"esign_consent","documentId":1002,"legalDocumentUuid":"16579822-f221-43e4-904f-26d9ade9bc63","path":"/esign_consent?legal_document_id=1002","referral":false,"issuingBankName":"Customers Bank","substitutionProps":{"mailingAddressOneLine":"P.O. Box 1503, San Carlos, CA 94070"}},"creditConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"### Credit Report and Information Verification Consent\r\n\r\n#### Credit Report\r\n\r\n* * *\r\n\r\nYou acknowledge that you have requested your rates for a loan from Customers\r\nBank. For a period of up to 12 months following your initial request, you\r\nauthorize Customers Bank to obtain your consumer report and related\r\ninformation about you from one or more consumer reporting agencies. Customers\r\nBank may use your consumer report for any legal purpose, including\r\nauthenticating your identity, making decisions related to your loan, sending\r\nyou invitations to apply or making follow-up loan offers, and servicing or\r\ncollecting any loan that you receive.\r\n\r\nFor New York, Rhode Island and Vermont Residents: A consumer report may be\r\nobtained from a consumer-reporting agency in connection with your application.\r\nUpon your request (i) you will be informed whether or not consumer reports\r\nwere obtained and (ii) if reports were obtained, you will be informed of the\r\nnames and addresses of the credit reporting agencies that furnished the\r\nreports. A consumer report may also be requested or used in connection with\r\nany renewals or extensions, reviews or collection actions, or other legitimate\r\npurpose associated with any loan we may grant you.\r\n\r\n#### Identity Verification\r\n\r\n* * *\r\n\r\nTo help the government fight the funding of terrorism and money laundering\r\nactivities, Federal law requires all financial institutions to obtain, verify,\r\nand record information that identifies each person who opens an account. As a\r\nresult, under our customer identification program, we must ask for your name,\r\nstreet address, mailing address, date of birth, and other information that\r\nwill allow us to identify you.\r\n\r\n#### Application Verification\r\n\r\n* * *\r\n\r\nYou authorize Customers Bank to verify any information in your online\r\napplication through third party databases or by contacting third parties,\r\nincluding your college and any prior employers. Further, you acknowledge\r\nCustomers Bank may also ask to see your driver’s license, your college\r\ntranscripts or other identifying or supporting documents at any time.\r\n\r\nPlease note Customers Bank may terminate consideration of, or decline, your\r\napplication at any time for any reason. If Customers Bank elects to do this,\r\nand you have not withdrawn your consent to electronic communication, Customers\r\nBank will provide a notice to you in the customersbank.upstart.com website\r\nmessage box (a link on the website toolbar after you log-in), and by sending\r\nit to you at the email address you registered with on the\r\ncustomersbank.upstart.com website. In the event that electronic communication\r\nconsent has been withdrawn, the notice will be mailed to the address provided\r\nin your application.\r\n\r\nLast Modified: February 16, 2023\r\n\r\n","version":"20230216_13:10:53","category":"credit_consent","documentId":2268,"legalDocumentUuid":"6c9e1a0c-2967-42fb-bd15-22b2c9d05b88","path":"/credit_consent?legal_document_id=2268","referral":false,"issuingBankName":"Customers Bank"},"privacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h3\"\u003e\r\nCustomers Bank Privacy Policy\u003c/p\u003e\u003cbr\u003e\r\n\r\nClick [here](https://www.customersbank.com/privacy-notice/) for Customers Bank's privacy notice. Click [here](https://www.customersbank.com/privacy-policy/) for Customers Bank's privacy policy.  The privacy policy of our service provider Upstart is below.\r\n\r\n\r\n***\r\nBelow is the privacy policy of our service provider for Customers Bank, and who also\r\nreceives your information:\r\n\u003cp class=\"center h3\"\u003e\r\nUpstart Privacy Policy\u003c/p\u003e\r\n\r\n\r\n\u003cp class=\"center\"\u003eThis Privacy Policy is effective as of December 12, 2025.\u003c/p\u003e\r\n\r\nPLEASE READ THIS PRIVACY POLICY CAREFULLY. This policy describes the ways Upstart Network, Inc. (\"UNI\"), its affiliates , and, if applicable, Upstart Network Trust (collectively, \"Upstart\", \"we\", \"us\", \"our\") are committed to protecting your privacy and security online.  Your privacy is of the utmost importance to us. . This privacy policy describes how we collect, store, use, share and protect your personal information when you visit our websites, any of our subdomains, mobile applications, or other online services managed by UNI (defined herein as upstart.com), Upstart Mortgage LLC (“UML”) (defined herein as heloc.upstartmortgage.com),  and Upstart Network Trust (the “Site”) and when you access or use the products and services offered (the “Services”). \r\n\r\nFor additional information regarding your state's Privacy Rights, see the \"[Your Privacy Rights](#your-privacy-rights)\" section below and our section on How We Use Cookies and Other Tracking Technology to Collect Information “[How We Use Cookies and Other Tracking Technology to Collect Information](#how-we-use-cookies-and-other-tracking-technology-to-collect-information)”. If you have an account with us, or have taken steps to register for an account, you can also review our “Upstart Privacy Notice” at the end for a summary of our practices regarding the personally identifiable financial information we collect about you.\r\n\r\n**By accessing or using any of our Services, you acknowledge the privacy practices described in our privacy policy, and you acknowledge that you have read this policy in its entirety.**\r\n\r\nThis policy covers:\r\n\r\n1.\tOur Services\r\n2.\tCategories of Information We Collect and How We Use It\u003cbr\u003ea.\tWhat Information We Collect\u003cbr\u003eb.\tHow We Use the Information We Collect\u003cbr\u003ec.\tWhat Information We Disclose\r\n3.\tHow We Use Cookies and Other Tracking Technology to Collect Information\r\n4.\tHow We Protect Your Information\r\n5.\tLinks to or from Other Websites and Services\r\n6.\tHow You Can Access or Change Your Personal Information\r\n7.\tChildren’s Privacy\r\n8.\tYour Privacy Rights \r\n9.\tChanges to Our Privacy Policy\r\n10.\t How You Can Contact Us\r\n11.\tPrivacy Notice\r\n***\r\n#### Our Services\r\nUpstart collects, uses, stores and shares information in connection with its products and services including:\r\n- the referral and loan comparison services we offer when you visit the Site and request conditional offers from Upstart, banks, and other third party licensed lenders (\"**Creditors**\") for whom we may act as marketer, service provider, and/or loan servicer of their loan;\r\n- as servicer and administrator to Upstart Network Trust and certain other third party loan investors on whose behalf it is acting; \r\n- when you authorize Upstart to send or receive your information from  third parties for the purpose of  accessing additional products or services at  www.upstart.com; and\r\n- when Upstart’s business contacts authorize Upstart to receive information regarding its enterprise contacts.\r\n***\r\n#### Categories of Information We Collect and How We Use It\r\nWe collect information about you through the following sources: information you provide directly to us (such as when you register for our services, fill out a form or communicate with us), information we collect from third parties (such as Internet Protocol (“**IP**”) address or device identifiers, and geolocation data) and information we generate (such as through inferences made by our machine learning models or when you use the Services). \r\n***\r\n#### What Information We Collect\r\nThe types of personal information we collect depends on the products and services you use. The information includes:\r\n- Name,\r\n- Postal Address,\r\n- Unique personal identifiers,\r\n- Phone number,\r\n- Email,\r\n- Date of birth,\r\n- Social security number,\r\n- Documents or other media that verifies your identity such as your driver’s license, passport or video calls you make at our request,\r\n- Information such as your credit history, credit scores and other information provided by consumer reporting agencies,\r\n- Information about your loan account and your payment history,\r\n- Information such as government IDs, images, and selfies to perform biometric assessment via third parties to verify your identity,\r\n- Information about your education, such as your degree, graduation year, your college, your major(s),\r\n- Your bank information such as your bank, your account numbers, bank account credentials, and transaction information, \r\n- Information about your employer, job title, current income, assets, investments,and certain expenses, including with respect to your current employment, pay frequency, employment offers, past job history or employment, bank account credentials and transaction information, tax returns, W-2, brokerage statements, and pay stubs,\r\n- Information about your computer, mobile phone or other access device and information about your web request collected through cookies and other related technologies (such as clear gifs). The information we collect includes IP address, geolocation data (such as physical location or movements), browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, your use of third party applications, and other similar device and usage information,\r\n- Business information that you provide to us directly or through third-party services. We may receive information about you or your business from public records or from third parties, including information we request from credit reporting agencies, and from other partners. For example, we may also collect this information from your registration application submitted through provider agreement, business loan application, or from a personal loan application if you are self-employed, and\r\n- The business information may include information about your business, such as legal business name and company practice name, and other information about your company or practice such as fax, telephone number, website, relevant email addresses, physical address, business-related licensing information such as a license number, federal tax identification or social security number, and business or practice bank account information.\r\n\r\nWe may supplement the personal information you submit to use with information from third-party sources. Please note that Upstart only provides its services and offerings to consumers based in the United States and therefore, is not subject to the General Data Protection Regulation (“GDPR”) or any other jurisdictions outside the 50 states and US territories.\r\n***\r\n#### How We Use the Information We Collect\r\nWe collect and use this information from or about you in order to:\r\n- provide you and other customers with access to the products and services offered through the Site;\r\n- improve our insights so we can tailor our content and advertising, and provide you with offer recommendations and/or insights that are most relevant to you;\r\n- provide notices and other information to you about, or in connection with, these products and services;\r\n- provide customer support;\r\n- detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, fulfill legal requirements and enforce our agreements;\r\n- debug to identify and repair errors that impair existing intended functionality;\r\n- provide, maintain, develop and improve our services, your experience, and to protect Upstart and its users; \r\n- personalize and improve your experience accessing the products and services offered through the Site, including by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it; \r\n- process your transactions, your loan application or transactions, enable payments, and fund transfers with financial institutions, to improve and expand our Services, and to determine your financial health. If you register with us, we will use this financial information about you to facilitate and service your account; \r\n- connect with securitizations and other investment products with an interest in your loan; \r\n- determine creditworthiness if you are applicant and/or borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your loan; and\r\n- **Plaid, Inc. (f/k/a Plaid Technologies, Inc.):** With your consent, Upstart may work with a third party, such as Plaid, to access and collect your financial information on our behalf. We use this financial information to process your transactions, to improve and expand our Services, and to determine your financial wellbeing. If you create an account with us, we will use financial information about you to facilitate and service your account. We may also use this information to process your application or transactions and enable payments and fund transfers with financial institutions. In addition, we may use this financial information for creditworthiness if you are a borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your credit product. By providing your financial information or your financial payroll information to the third party, you acknowledge and agree that such information is accessed, collected, or transmitted by the third party in accordance with the privacy policy of the third party. Plaid's privacy policy is available at [https://plaid.com/legal]( https://plaid.com/legal).\r\n***\r\n#### What Information We Disclose\r\nIn compliance with applicable law, we may disclose personal information as needed to provide you with the Services. Subject to any applicable legal exemptions including the Gramm-Leach Bliley Act, and/or the Fair Credit Reporting Act, we may disclose your personal information, including personally identifiable financial information with:\r\n- Creditors that you request a conditional loan offer from or who decline to pre-approve you for a loan when you request a loan offer.\r\n- Upstart companies, our parents, affiliates, subsidiaries, and other companies under common control and ownership.\r\n- Service providers, vendors, contractors, and consultants who help with parts of our business operations such as fraud prevention, servicing, bill collection, debt collection, advertising, marketing and technology services, product development, and nonaffiliated financial institutions that we partner with to market or provide the products or services to you.\r\n- Credit reporting agencies to report account information, at your direction and otherwise as permitted by law.\r\n- Debt collection companies that purchase your loan from a Creditor if it has been charged off.\r\n- Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to, including any back-up service provider or back-up administrator we, or any Creditor engage in the event we stop operating.\r\n- Law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal procedure, (2) we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity.\r\n- Other third parties but only if you consent or direct us to do so.\r\n\r\nIf you select a loan offer from one of our Marketplace Lenders, such as Cross River Bank, when you sign your promissory note, your loans may automatically be allocated to investors as follows:\r\n- Investors may purchase your loan directly from us. We provide information about you included in your application, including personally identifiable, financial, and credit information, and your loan terms to these investors and their agents and trustees in advance of their purchase of your loan.\r\n- As the servicer of your loan we will also share information we obtain in servicing your loan, including about your repayments, to Upstart Network Trust and these investors, who became the Creditor of your loan, any subsequent purchaser of your loan, and each of their agents or trustees.\r\n\r\nIf you have an income share agreement, we will share your name and information about your repayment history with investors in your income share agreement.\r\n\r\nPlease note, information that has been aggregated, anonymized or de-identified so that it does not identify a specific user is not considered personal information.\r\n\r\nAdditionally, federal and state laws allow you to restrict the disclosure of your personally identifiable financial information in certain instances such as disclosing your information so that third parties can market to you. \r\n\r\nWe do not share mobile contact information with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors in support services, such as customer service.  All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.\r\n\r\n***\r\n#### How We Use Cookies and Other Tracking Technology to Collect Information\r\nWe use cookies and similar technologies to help operate, protect, and improve our Services. Cookies are small text files that are placed on your computer and other devices by websites that you visit. These technologies support core site functions, such as remembering your preferences and enhancing performance, and they help us understand how you interact with our websites and mobile apps. For example, cookies and other identifiers allow us to analyze which pages or features are most popular, measure engagement with our communications, and continuously improve your experience with Upstart.\r\nWe also work with third-party partners to provide analytics, deliver advertisements, and measure marketing performance across the web and in mobile apps. These partners may use cookies, web beacons, device identifiers, and other tracking technologies to collect information about your interactions with our Services and other websites or applications. This information may include your IP address, browser type, mobile network information, pages viewed, links clicked, and time spent on our sites or apps. We and our partners use this information to understand how our Services are used, assess the effectiveness of our content and marketing, and deliver advertisements that may be more relevant to your interests.\r\nSome of these activities may be considered “targeted advertising,” “sharing,” or “selling” under applicable privacy laws. You can manage your cookie and tracking preferences by using our cookie preferences tool, adjusting your mobile device settings, or visiting our Services with a recognized universal opt-out signal (such as the Global Privacy Control) enabled. Depending on which method you use, our processing of the signal may be limited to the specific browser or device that you are using. If you access our Services, through a different browser or device, you may need to set your preferences again. If we detect an automated opt-out preference signal, we will treat it as a request to opt-out of “sharing” and “selling” for the browser or device sending the signal. To learn more about your options, including how to manage targeted advertising and related activities, please visit Your Privacy Choices or see below the section entitled Opting Out of Targeted Advertising, Sharing, and Sales for more details. \u003cbr\u003e\u003cbr\u003e\r\n***\r\n#### How We Protect Your Information\r\nWe care about the security of your information and take reasonable measures designed to protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings.\r\nYou are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us at all times. However, we cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered or destroyed.\r\nIn the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.\r\n\r\n***\r\n\r\n#### Links to or from Other Websites and Services\r\nWe are not responsible for the practices employed by any third party, or websites or services linked to or from the Site, including any information or content they contain. Please remember that when you use a link from a third party to visit our Site, or use a link to go from the Site to another website, our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on the Site, are subject to that third party’s own rules and policies, including their terms and conditions and privacy practices. In addition, you agree that we are not responsible and we do not control any third-parties that you authorize to access your user content. If you are using a third-party website or service (like LinkedIn) and you allow such a third-party access to your user content, you do so at your own risk.\r\n***\r\n#### How You Can Access or Change Your Personal Information\r\nYou can review and edit some of your personal information at any time by logging into your account.\r\n\r\n#### Account Profile\r\nYou can update certain account profile information by logging into your account. You may also choose to update your email address or username. Please note that any changes you make to your account profile must be in accordance with our Terms of Use.\r\n\r\n#### Affiliate and Non-Affiliate Data Sharing\r\nIn compliance with applicable laws, Upstart collects personal information from other Upstart Affiliates. In certain cases, you have the right to opt-out of this sharing if your loan originated through Upstart.com, Upstart mobile or you have a continuing relationship with Upstart. Review our Privacy Notice below to learn when this right applies. Visit Your Preferences Center to learn more. Please note, to streamline operations and ensure seamless financial experiences, Upstart affiliates may share services including account management, transaction processing, model use, including model training and development, and customer support. These shared services adhere to strict privacy and security standards, protecting customer information while enabling efficient service delivery.\r\n***If your loan does not originate through Upstart.com or Upstart mobile, but rather through Upstart’s online marketplace, we will not share your personal information. More specifically, because your loan does not originate through Upstart.com or Upstart mobile there is not an option to opt-out of sharing. As such, please contact your lender directly regarding any personal information collected and your right to opt-out.\r\n***\r\n#### Use of Artificial Intelligence (AI) and Chatbot Technologies\r\nWe integrate AI capabilities into our products and services, such as through chatbot use that supports customer inquiries to enhance your experience. Our use of AI helps improve the efficiency and quality of our services in performing such tasks as: answering questions, providing recommendations or processing requests. During these interactions, the chatbot may collect and process information about you, including personal information, in accordance with this Privacy Policy. While we take reasonable and appropriate steps to ensure accuracy, completeness, and currentness of its responses, chatbot responses are generated automatically and may contain inaccuracies or omissions.\t \r\n\r\n***\r\n#### Children’s privacy\r\nWe do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. The Site and its content are not directed at children under the age of 13. If we learn that we have collected personal information from a child under age 13, we will delete that information promptly. If you believe that we might have any information from a child under 13, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com).\r\n\r\n***\r\n\u003cp id=\"your-privacy-rights\"\u003e\u003c/p\u003e\r\n\r\n#### YOUR PRIVACY RIGHTS\r\n\r\nThis section applies to U.S. state privacy laws that apply to data we collect about you. Please note, however, that these broadly-applicable privacy laws do not apply to what is referred to as personally identifiable financial information collected by financial institutions (like Upstart), as that information is subject instead to other financial privacy laws (like the Gramm-Leach-Bliley Act (GLBA)). As a result, these laws do not apply to most of the information that Upstart collects. The details below only apply to the more limited personal information we collect that is subject to these broadly-applicable U.S. state privacy laws.\r\n\u003cbr\u003e\u003cbr\u003e\r\n\r\n**Access, Correction, and Deletion**\r\n\r\nDepending on where you reside, you may have the right under certain U.S. state privacy laws to (1) request to know more about and access your personal information, (2) request deletion of your personal information, and (3) request correction of inaccurate personal information. \r\n\r\nTo request access, correction, or deletion of personal information that is subject to these privacy laws, please go to [https://www.upstart.com/datarequest](https://www.upstart.com/datarequest) or contact us [privacy@upstart.com](mailto:privacy@upstart.com). If we deny your request, you may appeal our decision by contacting us at privacy@upstart.com. If you have concerns about the results of an appeal, you may contact the attorney general in the state where you reside.\r\n\r\n**Opting Out of Targeted Advertising, Sharing, and Sales**\r\n\r\nAs described in the How We Use Cookies and Other Tracking Technology to Collect Information section above, we process personal information to understand and improve your experience with our Services and to serve you advertisements on other properties. Some of these activities may be considered “sales” or “sharing” of your personal information or “targeted advertising” under the law that applies to you.\r\n \r\nDepending on where you reside, you may have the right to opt-out of targeted advertising, sharing, and sales of your personal information. You can do so by following the prompts here [https://www.upstart.com/datarequest]( https://www.upstart.com/datarequest).\r\n\r\n**Data Retention**\r\n\r\nDue to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data, credit or deposit account application data, or other financial information upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain information about you for at least seven years to comply with applicable federal and state laws regarding recordkeeping, reporting, and audits. Criteria used to determine the period of time information about you is retained are primarily related to legal requirements and usefulness of the information for the purposes it was collected. We store this personal information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in this Privacy Policy.\r\n\r\n**Additional Information for California, Colorado, Minnesota, Montana, and Oregon consumers**\r\n\r\nThis section provides additional details about the personal information we collect about California, Colorado, Minnesota, Montana and Oregon consumers and the rights afforded to them under the California Consumer Privacy Act (“**CCPA**”), the Colorado Privacy Act (“**CPA**”), Minnesota Consumer Data Privacy Act (“**MNCDPA**”), the Montana Consumer Data Privacy Act (“**MTCDPA**”), and the Oregon Consumer Privacy Act (\"**OCPA**\") respectively.\r\n\r\n The below chart categorizes the personal information we collected during the past twelve (12) months, the business or commercial purposes for which we may use such information, and the third parties to whom that information may be disclosed. For additional details about the personal information we collect, including the categories of sources, please see the \"What information we collect\" section above.\r\n\r\n|**Categories of personal information we collect**\u003cbr\u003e | **Business or commercial purposes for which we may use your information**\u003cbr\u003e| **Parties with whom information may be disclosed**\u003cbr\u003e|\r\n| :--- | :--- | :--- |\r\n| Identifiers, such as unique identifiers (like IP address) tied to your browser or device.\u003cbr\u003e\u003cbr\u003eApproximate geolocation data.\u003cbr\u003e\u003cbr\u003eInternet or other electronic network activity, such as browsing behavior and information about your usage and interactions with our Services.\u003cbr\u003e\u003cbr\u003eProfile Information.\u003cbr\u003e\u003cbr\u003eContact Information.\u003cbr\u003e\u003cbr\u003eEmployment Information.\u003cbr\u003e\u003cbr\u003eAudio, electronic, visual or similar information.\u003cbr\u003e\u003cbr\u003eInferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends predispositions, behavior attitudes, intelligence. | Improving and maintaining our Services, such as by improving our Services and developing new products and services.\u003cbr\u003e\u003cbr\u003eDebugging, such as to identify and repair errors and other functionality issues.\u003cbr\u003e\u003cbr\u003eAnalyze usage, such as by monitoring trends and activities in connection with use of our Services.\u003cbr\u003e\u003cbr\u003ePersonalize your online experience, such as by tailoring the content and targeting ads you see on our Services and on other platforms based on your preferences, interests, and browsing behavior.\u003cbr\u003e\u003cbr\u003eLegal reasons, such as to help detect and protect against security incidents, or other malicious, deceptive, fraudulent, or illegal activity. | Companies that provide services to us, such as those that assist us with customer support, advertising measurement, data analytics, cloud storage, bug fix management and logging.\u003cbr\u003e\u003cbr\u003eGovernment entities or other third parties for legal reasons, such as to comply with law or for other legal reasons described in the “What Information We Share” section above.\u003cbr\u003e\u003cbr\u003eAdditional Third Parties with whom we share your data: \u003cbr\u003e- Advertising Partners\u003cbr\u003e- Third parties designated by you\u003cbr\u003e- Business and marketing partners\u003cbr\u003e- Professional advisors\u003cbr\u003e- Business transferees\u003cbr\u003e- Social media platforms\u003cbr\u003e- Other users and the public.\u003cbr\u003e\u003cbr\u003eNote: We only share approximate geolocation with service providers to provide customer support, provide services and products and to comply with legal obligations.|\r\n\r\n\r\nWe also “share” and “sell” identifiers and electronic network activity with our advertising partners (including social media platforms) so they can show ads that are targeted to your interests on other platforms. We do not knowingly collect, share, or sell personal information from children under the age of 18. If we become aware that we have collected personal data from a child under the age of 18, we will take steps to delete that information as soon as possible. To learn more about the choices available to you with respect to these practices and cookie preferences, see the section on Opting Out of Targeted Advertising, Sharing and Sales.\r\n\r\n\r\n\r\nIn addition to these rights, consumers in California, Colorado, Minnesota, Montana, and Oregon are entitled to the rights outlined in the Your Privacy Rights section above.\r\n\r\nYou may also designate an authorized agent to exercise privacy rights on your behalf by providing the authorized agent signed permission to submit the request on your behalf. If an authorized agent submits a request on your behalf, we may need to contact you to verify your identity and protect the security of your personal information. If you are an authorized agent seeking to make a rights request, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com).\r\n***\r\n\r\n#### Changes to Our Privacy Policy\r\nWe may amend this policy from time to time to reflect the changes in our business and practices, and so you should review this page periodically. The revised version will be effective at the time we post it. If we make a material change we will notify you of the changes by posting a Privacy Policy Update and update the ‘last modified’ date at the bottom of this page.\r\n***\r\n\r\n#### How You Can Contact Us\r\nIf you have questions or concerns regarding this policy, you should contact us by emailing us at [privacy@upstart.com](mailto:privacy@upstart.com), by calling us at (650) 204-1000 during our operating hours 6:00 AM PT to 5:00 PM PT, Monday through Friday, or by writing to us via regular mail at Upstart Network, Inc., PO Box 1503, San Carlos, CA 94070.\r\n\r\n***\r\nThis privacy policy was last modified on December 12, 2025.\r\n***\r\n\r\n\u003cp class=\"center h3\"\u003e\r\nUpstart Privacy Notice\u003c/p\u003e\r\n\r\n\u003cp class=\"center\"\u003eThis Privacy Notice was last updated on and effective as of December 12, 2025\u003c/p\u003e\r\n\r\nUpstart Network, Inc. (\"UNI\") and its affiliates, and, if applicable, Upstart Network Trust (collectively, \"**Upstart**\", \"**we**\", \"**us**\", \"**our**\")  are committed to your privacy and security online. We take your privacy and the security of information about you seriously. Our privacy practices are described in more detail below, and we have provided a summary of how we handle non-public personal information below: \r\n\r\n| **FACTS**| **What does Upstart do with your personal information?**|\r\n| :--- |  :--- |\r\n| **Why?**|Financial companies choose how they disclose 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. |\r\n|**What?**|The types of personal information we collect and share depend on the product or service you have with us. This information can include:\u003cbr\u003e•  Social Security number and income;\u003cbr\u003e•  Account balances and payment history;\u003cbr\u003e•  Credit history and credit scores;\u003cbr\u003e•  Employment information;\u003cbr\u003e•  Bank account, financial and income information; and\u003cbr\u003e•  Transaction history, assets and account balances; and\u003cbr\u003e•  Information about how you access and use our website and other services\r\n|**How?**|All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Upstart chooses to share; and whether you can limit this sharing.|\r\n\r\n\r\n| **Reasons we share your personal information**\u003cbr\u003e\u003cbr\u003e| Does Upstart Share?| Can You Limit This Sharing?\r\n| :--- |  :--- | :--- |\r\n|**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|No|\r\n|**For our marketing purposes - to offer our products and services to you**|Yes|No|\r\n|**For joint marketing with other financial companies**|Yes|No|\r\n|**For our affiliates’ everyday business purposes** - information about your transactions and experiences|Yes|No|\r\n|**For our affiliate’s everyday business purposes** - information about your creditworthiness|Yes|Yes|\r\n|**For our affiliates to market to you**|Yes|Yes|\r\n|**For our non-affiliates to market to you**|Yes|Yes|\r\n\r\n\r\n\r\n|**To limit our sharing**\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e|Once your Upstart.com account has been created:\u003cbr\u003e• Log in to [upstart.com](upstart.com) and click on your name in the top right corner \u0026gt; click on 'Preferences' in the dropdown menu to update your Data Sharing preferences, which include sections for sharing with affiliates or non-affiliates. \u003cbr\u003e\u003cbr\u003eIf you need additional assistance:\u003cbr\u003e• Call (855) 438-8778 or email [privacy@upstart.com](mailto:privacy@upstart.com) - an agent can help update your preferences. \u003cbr\u003e\u003cbr\u003e Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, unless you authorized us to begin sharing immediately. When you are *no longer* our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.\u003cbr\u003e\u003cbr\u003e**If you originated your loan through the Upstart online marketplace directly with a lender (e.g. lendername.upstart.com), Upstart does not share your data with affiliates or non-affiliates. Please contact your lender directly for more information.**\r\n| :---| :---|\r\n\r\n\r\n\r\n|**To Limit Direct Marketing**\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e|Please note: A Do Not Call election is effective for five years, or while you are an active customer, if longer than five years. The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements. You may also be contacted to service your account or participate in surveys. If you have an assigned client manager or team, they may continue to contact you to assist you in managing your account relationship.\r\n| :---| :---|\r\n\r\n| **Questions?**| **Email us at [privacy@upstart.com](mailto:privacy@upstart.com), call us at (855) 438-8778, or visit us at [www.upstart.com/privacy_policy](https://www.upstart.com/privacy_policy)**.\r\n| :--- | :---|\r\n\r\n\r\n|**Who we are**||\r\n| :---| :---|\r\n|Who is providing this notice?|You are receiving this notice from Upstart, also known as Upstart Network, Inc (“UNI”) or Upstart Mortgage, LLC (“UML”).|\r\n\r\n\r\n|**What we do**||\r\n| :---| :---|\r\n|**How does Upstart protect my personal information?**|To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.\r\n|**How does Upstart collect my personal information?**|We collect your personal information, for example, when you:\u003cbr\u003e• Open an account\u003cbr\u003e•  Apply for a loan\u003cbr\u003e•  Use your credit or debit card\u003cbr\u003e• Give us your contact information\u003cbr\u003e• Show your government-issued ID\u003cbr\u003e\u003cbr\u003e  We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\r\n|**Why can’t I limit all sharing?**|Federal law gives you the right to limit only:\u003cbr\u003e• sharing for affiliates’ everyday business purposes—information about your creditworthiness\u003cbr\u003e• affiliates from using your information to market to you\u003cbr\u003e• sharing for nonaffiliates to market to you\u003cbr\u003e\u003cbr\u003eState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\r\n|**What happens when I limit sharing for an account I hold jointly with someone else?**| Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.\r\n\r\n\r\n\r\n\r\n|**Definitions**||\r\n| :---| :---|\r\n|**Affiliates**|Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003cbr\u003e*• Our affiliates include companies with an Upstart name; financial companies such as Upstart Mortgage, LLC.*\u003cbr\u003e\r\n|**Non-Affiliates**|Companies not related by common ownership or control. They can be financial and nonfinancial companies.\u003cbr\u003e*• Non-affiliates we can share with include our marketing service providers or can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers such as data processors, service providers, and companies that help us market our own products and third-party products that we believe may be of interest to you.*\r\n|**Joint Marketing**|A formal agreement between non-affiliated financial companies that together market financial products or services to you.\u003cbr\u003e*• Our joint marketing partners include insurance companies and other financial companies.*\r\n\r\n\r\n|**Other important information**||\r\n| :---| :---|\r\n|For California Residents|We will not share information we collect about you with non-affiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. \r\n|For Nevada Residents|We provide you this notice under Nevada state law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do-Not-Call List by calling us at (855) 438-8778 or sending a message to [privacy@upstart.com](mailto:privacy@upstart.com).\u003cbr\u003e\u003cbr\u003eIf you would like to review and request changes to any of your covered information that is collected through the Internet website or online service, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com) or\u003cbr\u003e\u003cbr\u003e Upstart Network Inc. \u003cbr\u003eAttn: Compliance Department \u003cbr\u003ePO Box 1503,\u003cbr\u003e San Carlos, CA 94070\u003cbr\u003e\u003cbr\u003eOr contact the \u003cbr\u003e\u003cbr\u003eBureau of Consumer Protection\u003cbr\u003eOffice of the Nevada Attorney General \u003cbr\u003e555 E. Washington St., Suite 3900 \u003cbr\u003eLas Vegas, NV 89101 \u003cbr\u003ePhone number: (702) 486-3132\r\n|For North Dakota Residents|North Dakota’s privacy law requires you to consent to, or ‘opt-in’ to, the sharing of personal information. Except as permitted by North Dakota law or as authorized and consented to by you, we will not share information we collect about you with non-affiliated third parties or for joint marketing purposes.\r\n|For Vermont Residents|If you live in Vermont, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.","version":"20260318_11:50:36","category":"privacy_policy","documentId":4214,"legalDocumentUuid":"dc6859eb-889b-40d5-8731-9d49b22d52a6","path":"/privacy_policy?legal_document_id=4214","referral":false,"issuingBankName":"Customers Bank"},"privacyDisclosure":{"trackLegalConsentPath":"/legal_consents/track","documentText":"","version":"20250805_12:14:35","category":"privacy_disclosure","documentId":3832,"legalDocumentUuid":"2474be7c-9fd3-42e1-af44-032b108acbeb","path":"/privacy_disclosure_pdf?legal_document_id=3832","referral":false,"issuingBankName":"Customers Bank"},"applicationTermsAndConditions":{"trackLegalConsentPath":"/legal_consents/track","documentText":"## Customers Bank Terms and Conditions\r\n\r\nThese Customers Bank Terms and Conditions (\"**Terms**\") are made and entered into by and between you and Customers Bank (\"**Customers Bank**\") and govern your use of the website operated on behalf of Customers Bank by Upstart Network, Inc. (\"**Upstart**\") to (i) request loan offers from Customers Bank and (ii) apply for and, if approved, obtain a loan from Customers Bank (\"**Website Services**\"). All loans are installment loans made by Customers Bank, a federally insured, Pennsylvania state-chartered bank located in Phoenixville, Pennsylvania at https://customersbank.upstart.com and any subdomains (the \"**Website**\").\r\n\r\n\u003cp\u003e\u003cb\u003e\u003cu\u003eThis is an important document. You must read it carefully and accept all of its terms and conditions before choosing to proceed. You should save/print a copy of these Terms for your records. By clicking \"I agree\" you are electronically agreeing to these Terms. NOTE, THESE TERMS CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS (see Section 14).\u003c/u\u003e\u003c/b\u003e\u003c/p\u003e\r\n\r\n  \r\n\r\n1.  **Loan Offers.** By submitting information on the Website, you are requesting loan offers from Customers Bank. Any loan offer request you submit is not an application for credit; rather, it is a request to receive a conditional loan offer from Customers Bank. Loan offers are made to eligible individuals who satisfy Customers Bank's credit policy. You understand you must meet certain basic credit criteria established by Customers Bank in order to be eligible to receive a loan. Customers Bank does not guarantee that you will be presented with loan offers or that you will meet the approval criteria for any particular offer. In order to proceed with a loan offer you must submit a loan application to Customers Bank via the Website. It is always your choice whether to apply for a loan and Customers Bank will never submit an application on your behalf without your consent. Customers Bank may withdraw a loan offer, terminate consideration of any application you submit, or withdraw approval of your loan at any time in its sole discretion. If for any reason you do not qualify, or you later cease to qualify, for a loan offered to you, (if, for example, your credit score from any consumer reporting agency falls significantly or your debt to income ratio changes), Customers Bank may withdraw its approval of your loan.\r\n\r\n2.  **Credit Report.** You have authorized Customers Bank to obtain your credit report from one or more consumer reporting agencies. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after your information has been obtained. If you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the inaccuracy with the reporting agency. Please note, the reporting agency plays no part in any lending decision and, if you were declined, will be unable to supply specific reasons why you did not receive a loan offer.\r\n\r\n3.  **Loan Application, Verification, and Loan Closing.**\r\n    1.  To receive a loan, you must select a loan offer and, after proceeding, submit a loan application through the Website. After you choose to proceed with a loan offer, Upstart acts as Customers Bank's agent authorized to provide services in connection with your loan application, your loan origination, and the servicing of your loan on the Website. On behalf of Customers Bank, Upstart will verify any information you submit, including additional information you submit after choosing to proceed with your loan offer, by calling you, requiring you to produce appropriate documentation or other proof, and/or conducting such verification through a third party. This verification includes all information you provided when you requested a loan offer, such as information about your education, employment and your annual income, among other things. You authorize Customers Bank and Upstart (acting on Customers Bank’s behalf) to request and obtain data from third parties to verify any information that you provide in connection with your loan application. Your completed loan application must be approved by Customers Bank. After approval, you will be presented your final loan terms and related Truth-in-Lending disclosures, which you must accept, by digitally signing your promissory note (the \"**Note**\") within the time periods disclosed to you in the loan application flow.\r\n        \r\n        If your loan application is approved then, subject to clause (b), your loan, as evidenced by the Note will be submitted for origination by Customers Bank. Your loan will be in accordance with the terms set forth in the Note.\r\n        \r\n    2.  Customers Bank may withdraw its approval of your loan application at any time prior to origination: (i) in the event of any inaccuracy or omission in your loan application; (ii) if you committed fraud or made a misrepresentation in connection with your application; or (iii) any other disqualifying event occurs. Customers Bank may withdraw its approval of your loan even after you have signed your Note. In the event that your loan application is declined or withdrawn, Customers Bank will retain a record of your loan application for a period of at least 25 months in accordance with federal law.\r\n\r\n4.  **Fees.** Customers Bank may charge you fees if your loan application results in an originated loan. For example, you may be required to pay Customers Bank a non-refundable origination fee. The amount of the fee will be stated in the disclosures provided to you. This fee will be deducted from your loan proceeds, so the loan proceeds delivered to you will be less than the full amount of your issued loan. You acknowledge that the origination fee will be considered part of the principal on your loan subject to the accrual of interest. Additional fees, such as late fees and ACH or check return fees, may also apply to your loan. These fees will be disclosed in your Truth-in-Lending disclosure and your Note.\r\n\r\n5.  **Loan Servicing.** If your loan application results in an originated loan, you acknowledge and agree that Upstart may serve as the loan servicer on behalf of Customers Bank and its successors and assigns. As loan servicer, Upstart will administer your loan, and may collect on your loan, on behalf of Customers Bank and any of its successors and assigns. If Upstart is servicing your loan, a copy of your Note representing your loan will be maintained in electronic form on the Website and made available to you for review on the Website, subject to site availability. You will also be able to manage your loan repayments via the Website.\r\n\r\n6.  **Other Products and Services.** Any products and services you use through the Website shall be governed by these Terms and any additional terms and conditions you agree to when signing up for a particular product or service. You agree to comply with such terms and conditions, which may be found on the Legal Agreements page after you log-in to the Website, and that such agreements are incorporated herein by reference.\r\n\r\n7.  **Representations, Warranties and Covenants.** You represent and warrant that (i) you are of legal age in the jurisdiction in which you reside, and a US citizen or permanent resident (ii) you are currently residing in the US; (iii) you are applying for a loan in good faith and with the intention to repay it when due; and (iv) all the information you provided in connection with your loan offer inquiry and any subsequent loan application to Customers Bank is true and accurate and you have not provided any false, misleading or deceptive statements or omissions of fact in your application. You acknowledge and agree that Customers Bank may rely, without independent verification, on the accuracy, authenticity and completeness of all information you provide. You certify that you will not use any loan proceeds to fund any illegal activity or that is prohibited by the [Acceptable Use Policy](https://www.upstart.com/acceptable_use_policy)..\r\n\r\n8.  **Bank Account.** In connection with any loan application you make on the Website, you represent and warrant that you are the owner of the deposit account(s) that you designate for electronic transfers of funds and have authority to direct that loan payments be made from such account. You acknowledge your designated account(s) will be the account(s) into which loan proceeds will be deposited and from which monthly loan payments will be made.\r\n\r\n9.  **Termination.** Customers Bank may terminate these Terms and your access to the Website at any time (i) in the event of any breach of any of your representations, warranties and covenants in these Terms, or (ii) you otherwise fail to abide by the terms of these Terms. In such event, Customers Bank retains all remedies authorized or permitted by these Terms and applicable law. Customers Bank may in its sole discretion, with or without cause and with or without notice, restrict your access to the Website.\r\n\r\n10. **NO WARRANTIES.** THE WEBSITE AND THE PRODUCTS AND SERVICES PROVIDED IN CONNECTION THEREWITH ARE PROVIDED \"AS IS\" AND WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. UPSTART, EACH CREDITOR, AND EACH OF CUSTOMERS BANK, UPSTART AND EACH OF OUR AND THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES AND SUPPLIERS, SPECIFICALLY DISCLAIM ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Neither Customers Bank nor Upstart guarantees continuous, uninterrupted or secure access to the Website or any of the services provided on the Website, and the operation of the Website may be interfered with by numerous factors outside of Customers Bank's control. Customers Bank and Upstart, on behalf of Customers Bank make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts are processed in a timely manner but it makes no representation or warranty regarding the amount of time needed because these services are dependent upon many factors outside of its control, such as delays in the banking system or the U.S. mail service. Customers Bank reserves the right to make changes to the products and services offered to future customers, including changes to the terms and conditions associated with these products and services.\r\n\r\n11. **LIMITATION ON LIABILITY.** IN NO EVENT WILL CUSTOMERS BANK, UPSTART OR EACH OF OUR AND THEIR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES OR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR THE SERVICES (HOWEVER ARISING, INCLUDING NEGLIGENCE). Some states do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you. CUSTOMERS BANK'S AND UPSTART'S LIABILITY, AND THE LIABILITY OF EACH OF CUSTOMERS BANK’S OFFICERS, DIRECTORS, AGENTS, EMPLOYEES AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE ACTUAL AMOUNT OF DIRECT DAMAGES.\r\n\r\n12. \u003cp\u003e\u003cb\u003eCommunications.\u003c/b\u003e You confirm you have agreed to the \u003ca href=\"%%esign_consent_path%%\"\u003eElectronic Communications Policy\u003c/a\u003e, and Consent and you have agreed to receive electronically all communications, agreements, documents, notices and disclosures (collectively, \"Communications\") that are provided in connection with these Terms, your loan, and the servicing of your loan. \u003cu\u003eYou agree that Customers Bank, Upstart (on behalf of Customers Bank or any successor creditor) and, if your loan application results in an originated loan, a collection agency engaged on behalf of Customers Bank or its successors or assigns, may contact you at any of the telephone numbers and email addresses you provide, subject to applicable law.\u003c/u\u003e\u003c/p\u003e\r\n\r\n13. **Notices.** You may contact Customers Bank by emailing CustomersBank.support@upstart.com, by calling 1-833-400-6767 during the operating hours of 6:00 AM PST to 5:00 PM PST, each Monday through Friday that are business days, or by writing via regular mail to Customers Bank Loan Operations, P.O. Box 1503, San Carlos, CA 94070. All Communications given to you by email to your registered email address or posted on the Website will be deemed to have been duly given and effective upon transmission or when they were posted. You acknowledge that communications from Customers Bank may contain sensitive, confidential, and collections-related communications. If your information changes, such as your email address, your mailing address or your telephone number, you agree to notify Customers Bank promptly of the change by logging into the Website and updating this information in your account profile, or by contacting Customers Bank as described above.\r\n\r\n14. **Disputes.**\r\n\r\n    1.  \u003cp\u003e\u003cu\u003eContact Us First.\u003c/u\u003e If you have an issue with our services, or if a dispute arises between you and us in connection with your loan application, please contact us first. If we are unable to resolve your dispute, we will advise Customers Bank regarding the dispute. Our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Customers Bank regarding our services may be reported by contacting us as described in Section 13.\u003c/p\u003e\r\n        \r\n    2.  \u003cp\u003e\u003cu\u003eArbitration Agreement.\u003c/u\u003e YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION, AS PROVIDED IN PARAGRAPH (ii) BELOW.\u003c/p\u003e\r\n\r\n        1.  Except as expressly provided below, you agree that any Claim (defined below) will be, at either your or our election, submitted to and resolved on an individual basis by binding arbitration. Any such arbitration will be under the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. (the \"**FAA**\") before the American Arbitration Association (the \"**AAA**\") under its Commercial Arbitration Rules including the Supplementary Procedures for Consumer Related Disputes, in effect at the time the arbitration is brought (the \"**AAA Rules**\"), or before any other party that you and we agree to in writing, provided that such party must not have in place a formal or informal policy that is inconsistent with and purports to override the terms of this arbitration agreement. The AAA Rules are available online at [www.adr.org](https://www.adr.org). The arbitration agreement in this Section applies to any party named as a co-defendant with Customers Bank in a Claim asserted by you, such as Upstart Network, Inc., servicers, or debt collectors.\r\n            \r\n            For purposes of this Section: (x) any \"**Claim**\" means any claim, dispute or controversy relating to (1) these Terms and Conditions (including a dispute over the validity, enforceability, arbitrability or scope of this arbitration clause) or any of the services accessed through the Site; and any relationship resulting from, or activities connected to, the Site whether based on statute, contract, tort or any other legal theory, provided a Claim does not include any individual action brought by you in small claims court or your state's equivalent court, unless such action is transferred, removed or appealed to a different court; and (y) the terms \"**we**\" or \"**ours**\" include Customers Bank, any subsequent holder of this Agreement, and the officers, directors, and employees, and their affiliates, subsidiaries, and parents, and any officers, directors, and employees of such entities.\r\n            \r\n        2.  \u003cp\u003eYou may reject the arbitration agreement provided here by mailing a signed rejection notice to the address provided in the Notice section above \u003cu\u003ewithin 30 calendar days\u003c/u\u003e of your agreement to this Agreement. Any rejection notice must \u003cu\u003einclude your name, address, the e-mail address you registered on the Site, and your telephone number.\u003c/u\u003e\u003c/p\u003e\r\n\r\n        3.  Any state or federal court with jurisdiction and venue may enter an order enforcing the arbitration agreement provided in this Section, enter judgment upon the arbitrator's award and/or take any action authorized under the FAA. For any arbitration-related proceedings in which courts are authorized to take action under the FAA, each party expressly consents to the non-exclusive jurisdiction of any state court of general jurisdiction or any state court of equity that is reasonably convenient to that party, provided that the parties to any such judicial proceeding will have the right to initiate such proceeding in a federal court or remove the proceeding to federal court if authorized to do so under applicable federal law.\r\n\r\n        4.  IF YOU OR WE CHOOSE ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL, TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED IN THE APPLICABLE ARBITRATION RULES, OR OTHERWISE TO LITIGATE THE DISPUTE OR CLAIM IN ANY COURT (OTHER THAN IN AN ACTION TO ENFORCE THE ARBITRATOR'S AWARD). FURTHER, YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT YOU OR CUSTOMERS BANK WOULD HAVE IN COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION. THE ARBITRATOR WILL HAVE NO AUTHORITY TO ARBITRATE CLAIMS ON A CLASS BASIS, AND CLAIMS BROUGHT BY OR AGAINST YOU MAY NOT BE JOINED OR CONSOLIDATED WITH CLAIMS BROUGHT BY OR AGAINST ANY OTHER PERSON. If you reside in the U.S., any arbitration hearing will take place within the federal judicial district in which you reside. Each party will bear the expense of its own attorneys, experts and witnesses, regardless of which party prevails, unless applicable law or this Agreement gives a right to recover any of those fees from the other party. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the AAA Rules will determine the right to a hearing. All fees and expenses of the arbitrator and administrative fees and expenses of the arbitration will be paid by the parties as provided by the AAA Rules, to the extent applicable, or by specific ruling by the arbitrator, or by agreement of the parties. The arbitrator will have the authority to award in favor of the individual party seeking relief all remedies permitted by applicable substantive law, including compensatory, statutory and punitive damages (subject to constitutional limits that would apply in court), and attorneys' fees and costs. In addition, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted in that party’s individual claim. Upon the timely request of either party, the arbitrator will write a brief explanation of the basis of his or her award. If the arbitrator determines that any claim or defense is frivolous or wrongfully intended to oppress the other party, the arbitrator may award sanctions in the form of fees and expenses reasonably incurred by the other party (including arbitration administration fees, arbitrator's fees, and attorney, expert and witness fees), to the extent such fees and expenses could be imposed under Rule 11 of the Federal Rules of Civil Procedure.\r\n\r\n        5.  The arbitration agreement in this Section is made pursuant to a transaction involving interstate commerce and will be governed solely by the FAA, and not by any state law concerning arbitration or otherwise. If you have a question about the American Arbitration Association, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th Floor, New York, N.Y. 10019, 212-716-5800, [www.adr.org](https://www.adr.org).\r\n\r\n        6.  The arbitration agreement in this Section will survive this Agreement, any bankruptcy or insolvency, or any cancellation or request for cancellation of this Agreement. If any part of this arbitration agreement (other than the class waiver described above) is found to be invalid or unenforceable by a decision of a tribunal of competent jurisdiction, then such specific part or parts will be of no force and effect and will be severed, but the remainder of this arbitration agreement will continue in full force and effect. If such class waiver is determined to be invalid or unenforceable, then this entire arbitration agreement will be void and of no force or effect to any class actions.\r\n\r\n    3.  \u003cp\u003e\u003cu\u003eGoverning Law\u003c/u\u003e Except as set forth in clause (b) above, this Agreement will be governed in all respects by the laws of the Commonwealth of Pennsylvania, without regard to principles of conflicts of laws that would require the application of the laws of any other jurisdiction.\u003c/p\u003e\r\n\r\n15. **Amendments.** Customers Bank may amend these Terms and will provide you with at least 30 days written notice of any material changes.\r\n\r\n16. **Assignment.** You hereby agree that Customers Bank may, without notice to you, assign all of Customers Bank’s rights, title and interest in these Terms to a third party. To the extent provided therein, any such assignment will release Customers Bank from all of Customers Bank’s obligations and duties under these Terms and the assignee will be solely responsible for the performance of such obligations and duties. You may not assign, transfer, sublicense or otherwise delegate your rights or obligations under these Terms to another person without Customers Bank’s prior written consent. Any such assignment, transfer, sublicense or delegation in violation of this Section 16 will be null and void.\r\n\r\n17. **Processing Errors.** You agree that Customers Bank or Upstart (on behalf of Customers Bank), and any of their successors or assigns, may promptly correct any transaction processing error that is discovered. If the error results in your receipt of less than the correct amount to which you are entitled, you will be credited the difference. If the error results in your receipt of more than the correct amount to which you are entitled, you agree that Customers Bank or Upstart (on behalf of Customers Bank), may debit the extra funds. You agree to provide any additional consents necessary to correct any errors that occur.\r\n\r\n18. \u003cp\u003e\u003cb\u003eMiscellaneous.\u003c/b\u003e These Terms, along with the Customers Bank \u003ca href=\"%%privacy_policy_path%%\"\u003ePrivacy Policy\u003c/a\u003e, the \u003cu\u003eWebsite Terms of Use\u003c/u\u003e, and any other agreements you enter into with Customers Bank or Upstart on the Website in connection with your use of additional products or services, represent the entire agreement between you and Customers Bank regarding the subject matter of these Terms and supersede all prior or contemporaneous communications, promises and proposals, whether oral, written or electronic, between you and Customers Bank with respect to your use of the Website. Upstart, including its successors and assigns, is a third-party beneficiary and is entitled to rely on the provisions of these Terms, including your representations, covenants and agreements herein. There are no third party beneficiaries to these Terms other than Upstart. You acknowledge and agree that Upstart and Customers Bank are separate legal entities and neither has guaranteed the performance of the respective obligations of any other entity than itself. Any waiver of a breach of a provision of these Terms will not be a waiver of any other subsequent breach. Failure or delay by either party to enforce any term or condition of these Terms will not constitute a waiver of such term or condition. If at any time after the date of these Terms, any of the provisions of these Terms is held by any court of competent jurisdiction to be illegal, void or unenforceable, such provision will be of no force and effect, but the illegality and unenforceability of such provision will have no effect upon and will not impair the enforceability of any other provisions of these Terms. The headings in these Terms are for reference purposes only and will not affect the interpretation of these Terms in any way.\u003c/p\u003e\r\n\r\nLast Updated: December 6, 2019\r\n","version":"20240311_07:56:29","category":"application_terms_and_conditions","documentId":3006,"legalDocumentUuid":"77d77fc2-706b-4817-beb5-179187946112","path":"/application_terms_and_conditions?legal_document_id=3006","referral":false,"issuingBankName":"Customers Bank","substitutionVariables":{"creditConsentPath":"/credit_consent","esignConsentPath":"/esign_consent","privacyPolicyPath":"/privacy_policy"},"substitutionProps":{"creditConsentPath":"/credit_consent?legal_document_id=2268","esignConsentPath":"/esign_consent?legal_document_id=1002","privacyPolicyPath":"/privacy_policy?legal_document_id=4214"}},"externalPrivacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"","version":"20220509_12:53:02","category":"external_privacy_policy","documentId":1330,"legalDocumentUuid":"13b42d2b-04cc-4c34-98af-44f911a89557","path":"/external_privacy_policy?legal_document_id=1330","referral":false,"issuingBankName":"Customers Bank"},"smsConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"I authorize Customers Bank to send me account notifications via text message to the number I provided in this application","version":"customersbank_20180402","category":"sms_consent","documentId":102,"legalDocumentUuid":"f018c155-1966-4860-ab1c-899f121b3c9f","path":"/legal_consents?legal_document_id=102","referral":false,"issuingBankName":"Customers Bank"},"regBIncomeDisclosure":{"trackLegalConsentPath":"/legal_consents/track","documentText":"Alimony, child support, or separate maintenance income need not be disclosed if you do not  wish to have it considered as a basis for repaying this obligation.\n","version":"20191001","category":"reg_b_income_disclosure","documentId":420,"legalDocumentUuid":"5bd9edc2-5f2c-472f-b9bb-522cd5b989f7","path":"/legal_consents?legal_document_id=420","referral":false,"issuingBankName":"Customers Bank"}}},"legalLightBoxParams":{"legalDocuments":{"esignConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h4\"\u003e Electronic Communications Policy and Consent\u003c/p\u003e\r\n\r\nIn connection with your loan inquiry and any loan transaction, you are entitled by law to receive certain information on paper.  By providing this consent, you agree to receive them electronically instead. You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, **\"Communications\"**;) that we, Upstart Network, Inc. (**\"Upstart\"**), and/or Customers Bank, including our affiliates and subsidiaries or our agents, successors and assigns, or service providers,  provide in connection with any loan inquiry, loan offer, loan, or any other products or service you receive from Customers Bank on [www.upstart.com] or any of its subdomains, and the servicing of any loan you receive from Customers Bank.  Your consent gives permission to communicate with you electronically in regard to any activity related to the Customers Bank product and services accessed through the website(s), and is not specific to any loan, inquiry, product, service, or transaction.\r\n\r\nCommunications include, as applicable:\r\n- Any information provided to you about any loan inquiry or loan offers,  including your interest rate, finance charges and APR, and the final terms of your loan;\r\n- Any information provided to you about any product, service, or transaction you receive;\r\n- Any terms and conditions and policies you agree to, including updates to these agreements or policies, and other authorizations you provide;\r\n- Any documents or disclosures provided to you, including payment receipts, notices of default, and  \r\nfederal and state tax statements; and\r\n- Any other information relating to your relationship to Upstart and Customers Bank.\r\n\r\n\r\n\u003cp\u003eWe will provide these Communications to you by posting them on the Customers Bank website after you log-in, and/or by emailing them to you at your registered email address. \u003cu\u003eIt is your responsibility to keep your registered email address up to date so that we can communicate with you electronically\u003c/u\u003e. You have the right to request paper copies of any communication.  Paper copies can be requested by calling 833-400-6767 during our operating hours 6:00 AM PST to 5:00 PM PST, each Monday through Friday that are Business Days. We do not charge a fee for paper copies. \r\n\r\nIn order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Microsoft Edge version 9.0  and above, Firefox version 87.0  and above, Chrome version 89.0  and above, or Safari 13.0 and above); a valid email address; and sufficient storage space to save past Communications or an installed printer to print them.  You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.\r\n\r\nYou have the right to withdraw consent and may withdraw your consent to receive Communications electronically, and to update your contact information we need to contact you electronically, by emailing us at customersbank.support@upstart.com; by calling us at (833) 400-6767 during our operating hours 6:00 AM PST to 5:00 PM PST, each Monday through Friday that are Business Days; or by writing to us via regular mail at Customers Bank Loan Operations, P.O. Box 1503, San Carlos, CA 94070.   If you withdraw your consent prior to completing your application, you will not be able to complete the application process and therefore will not be issued a personal loan.\r\n\r\nYou acknowledge that we may amend this policy at any time by posting a revised version on our website.  If we make a material change to this policy we will also send a notice to your registered email address.\r\n\r\nLast Update: October 22, 2021\r\n\u003c/p\u003e","version":"20211022_11:39:17","category":"esign_consent","documentId":1002,"legalDocumentUuid":"16579822-f221-43e4-904f-26d9ade9bc63","path":"/esign_consent?legal_document_id=1002","referral":false,"issuingBankName":"Customers Bank","substitutionProps":{"mailingAddressOneLine":"P.O. Box 1503, San Carlos, CA 94070"}},"creditConsent":{"trackLegalConsentPath":"/legal_consents/track","documentText":"### Credit Report and Information Verification Consent\r\n\r\n#### Credit Report\r\n\r\n* * *\r\n\r\nYou acknowledge that you have requested your rates for a loan from Customers\r\nBank. For a period of up to 12 months following your initial request, you\r\nauthorize Customers Bank to obtain your consumer report and related\r\ninformation about you from one or more consumer reporting agencies. Customers\r\nBank may use your consumer report for any legal purpose, including\r\nauthenticating your identity, making decisions related to your loan, sending\r\nyou invitations to apply or making follow-up loan offers, and servicing or\r\ncollecting any loan that you receive.\r\n\r\nFor New York, Rhode Island and Vermont Residents: A consumer report may be\r\nobtained from a consumer-reporting agency in connection with your application.\r\nUpon your request (i) you will be informed whether or not consumer reports\r\nwere obtained and (ii) if reports were obtained, you will be informed of the\r\nnames and addresses of the credit reporting agencies that furnished the\r\nreports. A consumer report may also be requested or used in connection with\r\nany renewals or extensions, reviews or collection actions, or other legitimate\r\npurpose associated with any loan we may grant you.\r\n\r\n#### Identity Verification\r\n\r\n* * *\r\n\r\nTo help the government fight the funding of terrorism and money laundering\r\nactivities, Federal law requires all financial institutions to obtain, verify,\r\nand record information that identifies each person who opens an account. As a\r\nresult, under our customer identification program, we must ask for your name,\r\nstreet address, mailing address, date of birth, and other information that\r\nwill allow us to identify you.\r\n\r\n#### Application Verification\r\n\r\n* * *\r\n\r\nYou authorize Customers Bank to verify any information in your online\r\napplication through third party databases or by contacting third parties,\r\nincluding your college and any prior employers. Further, you acknowledge\r\nCustomers Bank may also ask to see your driver’s license, your college\r\ntranscripts or other identifying or supporting documents at any time.\r\n\r\nPlease note Customers Bank may terminate consideration of, or decline, your\r\napplication at any time for any reason. If Customers Bank elects to do this,\r\nand you have not withdrawn your consent to electronic communication, Customers\r\nBank will provide a notice to you in the customersbank.upstart.com website\r\nmessage box (a link on the website toolbar after you log-in), and by sending\r\nit to you at the email address you registered with on the\r\ncustomersbank.upstart.com website. In the event that electronic communication\r\nconsent has been withdrawn, the notice will be mailed to the address provided\r\nin your application.\r\n\r\nLast Modified: February 16, 2023\r\n\r\n","version":"20230216_13:10:53","category":"credit_consent","documentId":2268,"legalDocumentUuid":"6c9e1a0c-2967-42fb-bd15-22b2c9d05b88","path":"/credit_consent?legal_document_id=2268","referral":false,"issuingBankName":"Customers Bank"},"privacyPolicy":{"trackLegalConsentPath":"/legal_consents/track","documentText":"\u003cp class=\"center h3\"\u003e\r\nCustomers Bank Privacy Policy\u003c/p\u003e\u003cbr\u003e\r\n\r\nClick [here](https://www.customersbank.com/privacy-notice/) for Customers Bank's privacy notice. Click [here](https://www.customersbank.com/privacy-policy/) for Customers Bank's privacy policy.  The privacy policy of our service provider Upstart is below.\r\n\r\n\r\n***\r\nBelow is the privacy policy of our service provider for Customers Bank, and who also\r\nreceives your information:\r\n\u003cp class=\"center h3\"\u003e\r\nUpstart Privacy Policy\u003c/p\u003e\r\n\r\n\r\n\u003cp class=\"center\"\u003eThis Privacy Policy is effective as of December 12, 2025.\u003c/p\u003e\r\n\r\nPLEASE READ THIS PRIVACY POLICY CAREFULLY. This policy describes the ways Upstart Network, Inc. (\"UNI\"), its affiliates , and, if applicable, Upstart Network Trust (collectively, \"Upstart\", \"we\", \"us\", \"our\") are committed to protecting your privacy and security online.  Your privacy is of the utmost importance to us. . This privacy policy describes how we collect, store, use, share and protect your personal information when you visit our websites, any of our subdomains, mobile applications, or other online services managed by UNI (defined herein as upstart.com), Upstart Mortgage LLC (“UML”) (defined herein as heloc.upstartmortgage.com),  and Upstart Network Trust (the “Site”) and when you access or use the products and services offered (the “Services”). \r\n\r\nFor additional information regarding your state's Privacy Rights, see the \"[Your Privacy Rights](#your-privacy-rights)\" section below and our section on How We Use Cookies and Other Tracking Technology to Collect Information “[How We Use Cookies and Other Tracking Technology to Collect Information](#how-we-use-cookies-and-other-tracking-technology-to-collect-information)”. If you have an account with us, or have taken steps to register for an account, you can also review our “Upstart Privacy Notice” at the end for a summary of our practices regarding the personally identifiable financial information we collect about you.\r\n\r\n**By accessing or using any of our Services, you acknowledge the privacy practices described in our privacy policy, and you acknowledge that you have read this policy in its entirety.**\r\n\r\nThis policy covers:\r\n\r\n1.\tOur Services\r\n2.\tCategories of Information We Collect and How We Use It\u003cbr\u003ea.\tWhat Information We Collect\u003cbr\u003eb.\tHow We Use the Information We Collect\u003cbr\u003ec.\tWhat Information We Disclose\r\n3.\tHow We Use Cookies and Other Tracking Technology to Collect Information\r\n4.\tHow We Protect Your Information\r\n5.\tLinks to or from Other Websites and Services\r\n6.\tHow You Can Access or Change Your Personal Information\r\n7.\tChildren’s Privacy\r\n8.\tYour Privacy Rights \r\n9.\tChanges to Our Privacy Policy\r\n10.\t How You Can Contact Us\r\n11.\tPrivacy Notice\r\n***\r\n#### Our Services\r\nUpstart collects, uses, stores and shares information in connection with its products and services including:\r\n- the referral and loan comparison services we offer when you visit the Site and request conditional offers from Upstart, banks, and other third party licensed lenders (\"**Creditors**\") for whom we may act as marketer, service provider, and/or loan servicer of their loan;\r\n- as servicer and administrator to Upstart Network Trust and certain other third party loan investors on whose behalf it is acting; \r\n- when you authorize Upstart to send or receive your information from  third parties for the purpose of  accessing additional products or services at  www.upstart.com; and\r\n- when Upstart’s business contacts authorize Upstart to receive information regarding its enterprise contacts.\r\n***\r\n#### Categories of Information We Collect and How We Use It\r\nWe collect information about you through the following sources: information you provide directly to us (such as when you register for our services, fill out a form or communicate with us), information we collect from third parties (such as Internet Protocol (“**IP**”) address or device identifiers, and geolocation data) and information we generate (such as through inferences made by our machine learning models or when you use the Services). \r\n***\r\n#### What Information We Collect\r\nThe types of personal information we collect depends on the products and services you use. The information includes:\r\n- Name,\r\n- Postal Address,\r\n- Unique personal identifiers,\r\n- Phone number,\r\n- Email,\r\n- Date of birth,\r\n- Social security number,\r\n- Documents or other media that verifies your identity such as your driver’s license, passport or video calls you make at our request,\r\n- Information such as your credit history, credit scores and other information provided by consumer reporting agencies,\r\n- Information about your loan account and your payment history,\r\n- Information such as government IDs, images, and selfies to perform biometric assessment via third parties to verify your identity,\r\n- Information about your education, such as your degree, graduation year, your college, your major(s),\r\n- Your bank information such as your bank, your account numbers, bank account credentials, and transaction information, \r\n- Information about your employer, job title, current income, assets, investments,and certain expenses, including with respect to your current employment, pay frequency, employment offers, past job history or employment, bank account credentials and transaction information, tax returns, W-2, brokerage statements, and pay stubs,\r\n- Information about your computer, mobile phone or other access device and information about your web request collected through cookies and other related technologies (such as clear gifs). The information we collect includes IP address, geolocation data (such as physical location or movements), browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, your use of third party applications, and other similar device and usage information,\r\n- Business information that you provide to us directly or through third-party services. We may receive information about you or your business from public records or from third parties, including information we request from credit reporting agencies, and from other partners. For example, we may also collect this information from your registration application submitted through provider agreement, business loan application, or from a personal loan application if you are self-employed, and\r\n- The business information may include information about your business, such as legal business name and company practice name, and other information about your company or practice such as fax, telephone number, website, relevant email addresses, physical address, business-related licensing information such as a license number, federal tax identification or social security number, and business or practice bank account information.\r\n\r\nWe may supplement the personal information you submit to use with information from third-party sources. Please note that Upstart only provides its services and offerings to consumers based in the United States and therefore, is not subject to the General Data Protection Regulation (“GDPR”) or any other jurisdictions outside the 50 states and US territories.\r\n***\r\n#### How We Use the Information We Collect\r\nWe collect and use this information from or about you in order to:\r\n- provide you and other customers with access to the products and services offered through the Site;\r\n- improve our insights so we can tailor our content and advertising, and provide you with offer recommendations and/or insights that are most relevant to you;\r\n- provide notices and other information to you about, or in connection with, these products and services;\r\n- provide customer support;\r\n- detect security incidents, protect against malicious, deceptive, fraudulent or illegal activity, fulfill legal requirements and enforce our agreements;\r\n- debug to identify and repair errors that impair existing intended functionality;\r\n- provide, maintain, develop and improve our services, your experience, and to protect Upstart and its users; \r\n- personalize and improve your experience accessing the products and services offered through the Site, including by recognizing you as a customer and remembering information you previously provided so that you will not have to re-enter it; \r\n- process your transactions, your loan application or transactions, enable payments, and fund transfers with financial institutions, to improve and expand our Services, and to determine your financial health. If you register with us, we will use this financial information about you to facilitate and service your account; \r\n- connect with securitizations and other investment products with an interest in your loan; \r\n- determine creditworthiness if you are applicant and/or borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your loan; and\r\n- **Plaid, Inc. (f/k/a Plaid Technologies, Inc.):** With your consent, Upstart may work with a third party, such as Plaid, to access and collect your financial information on our behalf. We use this financial information to process your transactions, to improve and expand our Services, and to determine your financial wellbeing. If you create an account with us, we will use financial information about you to facilitate and service your account. We may also use this information to process your application or transactions and enable payments and fund transfers with financial institutions. In addition, we may use this financial information for creditworthiness if you are a borrower, assess risks related to your transaction, and to help investors determine whether to commit to or purchase your credit product. By providing your financial information or your financial payroll information to the third party, you acknowledge and agree that such information is accessed, collected, or transmitted by the third party in accordance with the privacy policy of the third party. Plaid's privacy policy is available at [https://plaid.com/legal]( https://plaid.com/legal).\r\n***\r\n#### What Information We Disclose\r\nIn compliance with applicable law, we may disclose personal information as needed to provide you with the Services. Subject to any applicable legal exemptions including the Gramm-Leach Bliley Act, and/or the Fair Credit Reporting Act, we may disclose your personal information, including personally identifiable financial information with:\r\n- Creditors that you request a conditional loan offer from or who decline to pre-approve you for a loan when you request a loan offer.\r\n- Upstart companies, our parents, affiliates, subsidiaries, and other companies under common control and ownership.\r\n- Service providers, vendors, contractors, and consultants who help with parts of our business operations such as fraud prevention, servicing, bill collection, debt collection, advertising, marketing and technology services, product development, and nonaffiliated financial institutions that we partner with to market or provide the products or services to you.\r\n- Credit reporting agencies to report account information, at your direction and otherwise as permitted by law.\r\n- Debt collection companies that purchase your loan from a Creditor if it has been charged off.\r\n- Companies that we plan to merge with or be acquired by, or companies we plan to sell, divest or transfer all or a portion of our products and/or services to, including any back-up service provider or back-up administrator we, or any Creditor engage in the event we stop operating.\r\n- Law enforcement, government officials, or other third parties when (1) we are compelled to do so by a subpoena, court order or similar legal procedure, (2) we need to do so to comply with law, or (3) if we believe in good faith that the disclosure of your personal information is necessary to prevent physical harm or financial loss or to report suspected illegal activity.\r\n- Other third parties but only if you consent or direct us to do so.\r\n\r\nIf you select a loan offer from one of our Marketplace Lenders, such as Cross River Bank, when you sign your promissory note, your loans may automatically be allocated to investors as follows:\r\n- Investors may purchase your loan directly from us. We provide information about you included in your application, including personally identifiable, financial, and credit information, and your loan terms to these investors and their agents and trustees in advance of their purchase of your loan.\r\n- As the servicer of your loan we will also share information we obtain in servicing your loan, including about your repayments, to Upstart Network Trust and these investors, who became the Creditor of your loan, any subsequent purchaser of your loan, and each of their agents or trustees.\r\n\r\nIf you have an income share agreement, we will share your name and information about your repayment history with investors in your income share agreement.\r\n\r\nPlease note, information that has been aggregated, anonymized or de-identified so that it does not identify a specific user is not considered personal information.\r\n\r\nAdditionally, federal and state laws allow you to restrict the disclosure of your personally identifiable financial information in certain instances such as disclosing your information so that third parties can market to you. \r\n\r\nWe do not share mobile contact information with third parties or affiliates for marketing or promotional purposes. Information may be shared with subcontractors in support services, such as customer service.  All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.\r\n\r\n***\r\n#### How We Use Cookies and Other Tracking Technology to Collect Information\r\nWe use cookies and similar technologies to help operate, protect, and improve our Services. Cookies are small text files that are placed on your computer and other devices by websites that you visit. These technologies support core site functions, such as remembering your preferences and enhancing performance, and they help us understand how you interact with our websites and mobile apps. For example, cookies and other identifiers allow us to analyze which pages or features are most popular, measure engagement with our communications, and continuously improve your experience with Upstart.\r\nWe also work with third-party partners to provide analytics, deliver advertisements, and measure marketing performance across the web and in mobile apps. These partners may use cookies, web beacons, device identifiers, and other tracking technologies to collect information about your interactions with our Services and other websites or applications. This information may include your IP address, browser type, mobile network information, pages viewed, links clicked, and time spent on our sites or apps. We and our partners use this information to understand how our Services are used, assess the effectiveness of our content and marketing, and deliver advertisements that may be more relevant to your interests.\r\nSome of these activities may be considered “targeted advertising,” “sharing,” or “selling” under applicable privacy laws. You can manage your cookie and tracking preferences by using our cookie preferences tool, adjusting your mobile device settings, or visiting our Services with a recognized universal opt-out signal (such as the Global Privacy Control) enabled. Depending on which method you use, our processing of the signal may be limited to the specific browser or device that you are using. If you access our Services, through a different browser or device, you may need to set your preferences again. If we detect an automated opt-out preference signal, we will treat it as a request to opt-out of “sharing” and “selling” for the browser or device sending the signal. To learn more about your options, including how to manage targeted advertising and related activities, please visit Your Privacy Choices or see below the section entitled Opting Out of Targeted Advertising, Sharing, and Sales for more details. \u003cbr\u003e\u003cbr\u003e\r\n***\r\n#### How We Protect Your Information\r\nWe care about the security of your information and take reasonable measures designed to protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings.\r\nYou are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to your email communications from us at all times. However, we cannot ensure or warrant the security of any information you transmit to us or guarantee that information may not be accessed, disclosed, altered or destroyed.\r\nIn the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.\r\n\r\n***\r\n\r\n#### Links to or from Other Websites and Services\r\nWe are not responsible for the practices employed by any third party, or websites or services linked to or from the Site, including any information or content they contain. Please remember that when you use a link from a third party to visit our Site, or use a link to go from the Site to another website, our Privacy Policy does not apply to those third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link or advertisement on the Site, are subject to that third party’s own rules and policies, including their terms and conditions and privacy practices. In addition, you agree that we are not responsible and we do not control any third-parties that you authorize to access your user content. If you are using a third-party website or service (like LinkedIn) and you allow such a third-party access to your user content, you do so at your own risk.\r\n***\r\n#### How You Can Access or Change Your Personal Information\r\nYou can review and edit some of your personal information at any time by logging into your account.\r\n\r\n#### Account Profile\r\nYou can update certain account profile information by logging into your account. You may also choose to update your email address or username. Please note that any changes you make to your account profile must be in accordance with our Terms of Use.\r\n\r\n#### Affiliate and Non-Affiliate Data Sharing\r\nIn compliance with applicable laws, Upstart collects personal information from other Upstart Affiliates. In certain cases, you have the right to opt-out of this sharing if your loan originated through Upstart.com, Upstart mobile or you have a continuing relationship with Upstart. Review our Privacy Notice below to learn when this right applies. Visit Your Preferences Center to learn more. Please note, to streamline operations and ensure seamless financial experiences, Upstart affiliates may share services including account management, transaction processing, model use, including model training and development, and customer support. These shared services adhere to strict privacy and security standards, protecting customer information while enabling efficient service delivery.\r\n***If your loan does not originate through Upstart.com or Upstart mobile, but rather through Upstart’s online marketplace, we will not share your personal information. More specifically, because your loan does not originate through Upstart.com or Upstart mobile there is not an option to opt-out of sharing. As such, please contact your lender directly regarding any personal information collected and your right to opt-out.\r\n***\r\n#### Use of Artificial Intelligence (AI) and Chatbot Technologies\r\nWe integrate AI capabilities into our products and services, such as through chatbot use that supports customer inquiries to enhance your experience. Our use of AI helps improve the efficiency and quality of our services in performing such tasks as: answering questions, providing recommendations or processing requests. During these interactions, the chatbot may collect and process information about you, including personal information, in accordance with this Privacy Policy. While we take reasonable and appropriate steps to ensure accuracy, completeness, and currentness of its responses, chatbot responses are generated automatically and may contain inaccuracies or omissions.\t \r\n\r\n***\r\n#### Children’s privacy\r\nWe do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register as users. The Site and its content are not directed at children under the age of 13. If we learn that we have collected personal information from a child under age 13, we will delete that information promptly. If you believe that we might have any information from a child under 13, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com).\r\n\r\n***\r\n\u003cp id=\"your-privacy-rights\"\u003e\u003c/p\u003e\r\n\r\n#### YOUR PRIVACY RIGHTS\r\n\r\nThis section applies to U.S. state privacy laws that apply to data we collect about you. Please note, however, that these broadly-applicable privacy laws do not apply to what is referred to as personally identifiable financial information collected by financial institutions (like Upstart), as that information is subject instead to other financial privacy laws (like the Gramm-Leach-Bliley Act (GLBA)). As a result, these laws do not apply to most of the information that Upstart collects. The details below only apply to the more limited personal information we collect that is subject to these broadly-applicable U.S. state privacy laws.\r\n\u003cbr\u003e\u003cbr\u003e\r\n\r\n**Access, Correction, and Deletion**\r\n\r\nDepending on where you reside, you may have the right under certain U.S. state privacy laws to (1) request to know more about and access your personal information, (2) request deletion of your personal information, and (3) request correction of inaccurate personal information. \r\n\r\nTo request access, correction, or deletion of personal information that is subject to these privacy laws, please go to [https://www.upstart.com/datarequest](https://www.upstart.com/datarequest) or contact us [privacy@upstart.com](mailto:privacy@upstart.com). If we deny your request, you may appeal our decision by contacting us at privacy@upstart.com. If you have concerns about the results of an appeal, you may contact the attorney general in the state where you reside.\r\n\r\n**Opting Out of Targeted Advertising, Sharing, and Sales**\r\n\r\nAs described in the How We Use Cookies and Other Tracking Technology to Collect Information section above, we process personal information to understand and improve your experience with our Services and to serve you advertisements on other properties. Some of these activities may be considered “sales” or “sharing” of your personal information or “targeted advertising” under the law that applies to you.\r\n \r\nDepending on where you reside, you may have the right to opt-out of targeted advertising, sharing, and sales of your personal information. You can do so by following the prompts here [https://www.upstart.com/datarequest]( https://www.upstart.com/datarequest).\r\n\r\n**Data Retention**\r\n\r\nDue to the regulated nature of our industry, we are under legal requirements to retain data and are generally not able to delete consumer transactional data, credit or deposit account application data, or other financial information upon request. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain information about you for at least seven years to comply with applicable federal and state laws regarding recordkeeping, reporting, and audits. Criteria used to determine the period of time information about you is retained are primarily related to legal requirements and usefulness of the information for the purposes it was collected. We store this personal information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in this Privacy Policy.\r\n\r\n**Additional Information for California, Colorado, Minnesota, Montana, and Oregon consumers**\r\n\r\nThis section provides additional details about the personal information we collect about California, Colorado, Minnesota, Montana and Oregon consumers and the rights afforded to them under the California Consumer Privacy Act (“**CCPA**”), the Colorado Privacy Act (“**CPA**”), Minnesota Consumer Data Privacy Act (“**MNCDPA**”), the Montana Consumer Data Privacy Act (“**MTCDPA**”), and the Oregon Consumer Privacy Act (\"**OCPA**\") respectively.\r\n\r\n The below chart categorizes the personal information we collected during the past twelve (12) months, the business or commercial purposes for which we may use such information, and the third parties to whom that information may be disclosed. For additional details about the personal information we collect, including the categories of sources, please see the \"What information we collect\" section above.\r\n\r\n|**Categories of personal information we collect**\u003cbr\u003e | **Business or commercial purposes for which we may use your information**\u003cbr\u003e| **Parties with whom information may be disclosed**\u003cbr\u003e|\r\n| :--- | :--- | :--- |\r\n| Identifiers, such as unique identifiers (like IP address) tied to your browser or device.\u003cbr\u003e\u003cbr\u003eApproximate geolocation data.\u003cbr\u003e\u003cbr\u003eInternet or other electronic network activity, such as browsing behavior and information about your usage and interactions with our Services.\u003cbr\u003e\u003cbr\u003eProfile Information.\u003cbr\u003e\u003cbr\u003eContact Information.\u003cbr\u003e\u003cbr\u003eEmployment Information.\u003cbr\u003e\u003cbr\u003eAudio, electronic, visual or similar information.\u003cbr\u003e\u003cbr\u003eInferences drawn from any of the information identified above to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends predispositions, behavior attitudes, intelligence. | Improving and maintaining our Services, such as by improving our Services and developing new products and services.\u003cbr\u003e\u003cbr\u003eDebugging, such as to identify and repair errors and other functionality issues.\u003cbr\u003e\u003cbr\u003eAnalyze usage, such as by monitoring trends and activities in connection with use of our Services.\u003cbr\u003e\u003cbr\u003ePersonalize your online experience, such as by tailoring the content and targeting ads you see on our Services and on other platforms based on your preferences, interests, and browsing behavior.\u003cbr\u003e\u003cbr\u003eLegal reasons, such as to help detect and protect against security incidents, or other malicious, deceptive, fraudulent, or illegal activity. | Companies that provide services to us, such as those that assist us with customer support, advertising measurement, data analytics, cloud storage, bug fix management and logging.\u003cbr\u003e\u003cbr\u003eGovernment entities or other third parties for legal reasons, such as to comply with law or for other legal reasons described in the “What Information We Share” section above.\u003cbr\u003e\u003cbr\u003eAdditional Third Parties with whom we share your data: \u003cbr\u003e- Advertising Partners\u003cbr\u003e- Third parties designated by you\u003cbr\u003e- Business and marketing partners\u003cbr\u003e- Professional advisors\u003cbr\u003e- Business transferees\u003cbr\u003e- Social media platforms\u003cbr\u003e- Other users and the public.\u003cbr\u003e\u003cbr\u003eNote: We only share approximate geolocation with service providers to provide customer support, provide services and products and to comply with legal obligations.|\r\n\r\n\r\nWe also “share” and “sell” identifiers and electronic network activity with our advertising partners (including social media platforms) so they can show ads that are targeted to your interests on other platforms. We do not knowingly collect, share, or sell personal information from children under the age of 18. If we become aware that we have collected personal data from a child under the age of 18, we will take steps to delete that information as soon as possible. To learn more about the choices available to you with respect to these practices and cookie preferences, see the section on Opting Out of Targeted Advertising, Sharing and Sales.\r\n\r\n\r\n\r\nIn addition to these rights, consumers in California, Colorado, Minnesota, Montana, and Oregon are entitled to the rights outlined in the Your Privacy Rights section above.\r\n\r\nYou may also designate an authorized agent to exercise privacy rights on your behalf by providing the authorized agent signed permission to submit the request on your behalf. If an authorized agent submits a request on your behalf, we may need to contact you to verify your identity and protect the security of your personal information. If you are an authorized agent seeking to make a rights request, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com).\r\n***\r\n\r\n#### Changes to Our Privacy Policy\r\nWe may amend this policy from time to time to reflect the changes in our business and practices, and so you should review this page periodically. The revised version will be effective at the time we post it. If we make a material change we will notify you of the changes by posting a Privacy Policy Update and update the ‘last modified’ date at the bottom of this page.\r\n***\r\n\r\n#### How You Can Contact Us\r\nIf you have questions or concerns regarding this policy, you should contact us by emailing us at [privacy@upstart.com](mailto:privacy@upstart.com), by calling us at (650) 204-1000 during our operating hours 6:00 AM PT to 5:00 PM PT, Monday through Friday, or by writing to us via regular mail at Upstart Network, Inc., PO Box 1503, San Carlos, CA 94070.\r\n\r\n***\r\nThis privacy policy was last modified on December 12, 2025.\r\n***\r\n\r\n\u003cp class=\"center h3\"\u003e\r\nUpstart Privacy Notice\u003c/p\u003e\r\n\r\n\u003cp class=\"center\"\u003eThis Privacy Notice was last updated on and effective as of December 12, 2025\u003c/p\u003e\r\n\r\nUpstart Network, Inc. (\"UNI\") and its affiliates, and, if applicable, Upstart Network Trust (collectively, \"**Upstart**\", \"**we**\", \"**us**\", \"**our**\")  are committed to your privacy and security online. We take your privacy and the security of information about you seriously. Our privacy practices are described in more detail below, and we have provided a summary of how we handle non-public personal information below: \r\n\r\n| **FACTS**| **What does Upstart do with your personal information?**|\r\n| :--- |  :--- |\r\n| **Why?**|Financial companies choose how they disclose 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. |\r\n|**What?**|The types of personal information we collect and share depend on the product or service you have with us. This information can include:\u003cbr\u003e•  Social Security number and income;\u003cbr\u003e•  Account balances and payment history;\u003cbr\u003e•  Credit history and credit scores;\u003cbr\u003e•  Employment information;\u003cbr\u003e•  Bank account, financial and income information; and\u003cbr\u003e•  Transaction history, assets and account balances; and\u003cbr\u003e•  Information about how you access and use our website and other services\r\n|**How?**|All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Upstart chooses to share; and whether you can limit this sharing.|\r\n\r\n\r\n| **Reasons we share your personal information**\u003cbr\u003e\u003cbr\u003e| Does Upstart Share?| Can You Limit This Sharing?\r\n| :--- |  :--- | :--- |\r\n|**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|No|\r\n|**For our marketing purposes - to offer our products and services to you**|Yes|No|\r\n|**For joint marketing with other financial companies**|Yes|No|\r\n|**For our affiliates’ everyday business purposes** - information about your transactions and experiences|Yes|No|\r\n|**For our affiliate’s everyday business purposes** - information about your creditworthiness|Yes|Yes|\r\n|**For our affiliates to market to you**|Yes|Yes|\r\n|**For our non-affiliates to market to you**|Yes|Yes|\r\n\r\n\r\n\r\n|**To limit our sharing**\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e|Once your Upstart.com account has been created:\u003cbr\u003e• Log in to [upstart.com](upstart.com) and click on your name in the top right corner \u0026gt; click on 'Preferences' in the dropdown menu to update your Data Sharing preferences, which include sections for sharing with affiliates or non-affiliates. \u003cbr\u003e\u003cbr\u003eIf you need additional assistance:\u003cbr\u003e• Call (855) 438-8778 or email [privacy@upstart.com](mailto:privacy@upstart.com) - an agent can help update your preferences. \u003cbr\u003e\u003cbr\u003e Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, unless you authorized us to begin sharing immediately. When you are *no longer* our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.\u003cbr\u003e\u003cbr\u003e**If you originated your loan through the Upstart online marketplace directly with a lender (e.g. lendername.upstart.com), Upstart does not share your data with affiliates or non-affiliates. Please contact your lender directly for more information.**\r\n| :---| :---|\r\n\r\n\r\n\r\n|**To Limit Direct Marketing**\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e|Please note: A Do Not Call election is effective for five years, or while you are an active customer, if longer than five years. The Do Not Mail election is effective for three years. You may continue to receive marketing information in regular account mailings and statements. You may also be contacted to service your account or participate in surveys. If you have an assigned client manager or team, they may continue to contact you to assist you in managing your account relationship.\r\n| :---| :---|\r\n\r\n| **Questions?**| **Email us at [privacy@upstart.com](mailto:privacy@upstart.com), call us at (855) 438-8778, or visit us at [www.upstart.com/privacy_policy](https://www.upstart.com/privacy_policy)**.\r\n| :--- | :---|\r\n\r\n\r\n|**Who we are**||\r\n| :---| :---|\r\n|Who is providing this notice?|You are receiving this notice from Upstart, also known as Upstart Network, Inc (“UNI”) or Upstart Mortgage, LLC (“UML”).|\r\n\r\n\r\n|**What we do**||\r\n| :---| :---|\r\n|**How does Upstart protect my personal information?**|To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.\r\n|**How does Upstart collect my personal information?**|We collect your personal information, for example, when you:\u003cbr\u003e• Open an account\u003cbr\u003e•  Apply for a loan\u003cbr\u003e•  Use your credit or debit card\u003cbr\u003e• Give us your contact information\u003cbr\u003e• Show your government-issued ID\u003cbr\u003e\u003cbr\u003e  We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.\r\n|**Why can’t I limit all sharing?**|Federal law gives you the right to limit only:\u003cbr\u003e• sharing for affiliates’ everyday business purposes—information about your creditworthiness\u003cbr\u003e• affiliates from using your information to market to you\u003cbr\u003e• sharing for nonaffiliates to market to you\u003cbr\u003e\u003cbr\u003eState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.\r\n|**What happens when I limit sharing for an account I hold jointly with someone else?**| Your choices will apply individually unless you tell us otherwise. Any account holder may express a privacy preference on behalf of the other joint account holders.\r\n\r\n\r\n\r\n\r\n|**Definitions**||\r\n| :---| :---|\r\n|**Affiliates**|Companies related by common ownership or control. They can be financial and nonfinancial companies.\u003cbr\u003e*• Our affiliates include companies with an Upstart name; financial companies such as Upstart Mortgage, LLC.*\u003cbr\u003e\r\n|**Non-Affiliates**|Companies not related by common ownership or control. They can be financial and nonfinancial companies.\u003cbr\u003e*• Non-affiliates we can share with include our marketing service providers or can include other financial services companies, lenders, insurance companies, retailers, membership clubs, or other consumer service providers such as data processors, service providers, and companies that help us market our own products and third-party products that we believe may be of interest to you.*\r\n|**Joint Marketing**|A formal agreement between non-affiliated financial companies that together market financial products or services to you.\u003cbr\u003e*• Our joint marketing partners include insurance companies and other financial companies.*\r\n\r\n\r\n|**Other important information**||\r\n| :---| :---|\r\n|For California Residents|We will not share information we collect about you with non-affiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. \r\n|For Nevada Residents|We provide you this notice under Nevada state law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do-Not-Call List by calling us at (855) 438-8778 or sending a message to [privacy@upstart.com](mailto:privacy@upstart.com).\u003cbr\u003e\u003cbr\u003eIf you would like to review and request changes to any of your covered information that is collected through the Internet website or online service, please contact us at [privacy@upstart.com](mailto:privacy@upstart.com) or\u003cbr\u003e\u003cbr\u003e Upstart Network Inc. \u003cbr\u003eAttn: Compliance Department \u003cbr\u003ePO Box 1503,\u003cbr\u003e San Carlos, CA 94070\u003cbr\u003e\u003cbr\u003eOr contact the \u003cbr\u003e\u003cbr\u003eBureau of Consumer Protection\u003cbr\u003eOffice of the Nevada Attorney General \u003cbr\u003e555 E. Washington St., Suite 3900 \u003cbr\u003eLas Vegas, NV 89101 \u003cbr\u003ePhone number: (702) 486-3132\r\n|For North Dakota Residents|North Dakota’s privacy law requires you to consent to, or ‘opt-in’ to, the sharing of personal information. Except as permitted by North Dakota law or as authorized and consented to by you, we will not share information we collect about you with non-affiliated third parties or for joint marketing purposes.\r\n|For Vermont Residents|If you live in Vermont, we will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.","version":"20260318_11:50:36","category":"privacy_policy","documentId":4214,"legalDocumentUuid":"dc6859eb-889b-40d5-8731-9d49b22d52a6","path":"/privacy_policy?legal_document_id=4214","referral":false,"issuingBankName":"Customers Bank"}}},"issuingBank":{"name":"Customers Bank","slug":"customersbank","bankLogo":"https://lending-partner-theme.aws.upstart.com/production/primary_logos/customersbank-1639616697.png"},"currentDate":"2026-06-20","complexIncomeDocWarningEnabled":false,"inDevelopmentEnvironment":false,"fffastEnabled":false,"autoSecuredPersonalLoanIneligibleStates":["Armed Forces Africa/Canada/Europe/Middle East","Armed Forces Americas","Armed Forces Pacific","Colorado","Connecticut","District of Columbia","Iowa","Maine","Maryland","Nevada","New York","Vermont","West Virginia","American Samoa","Guam","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","Nevada","Connecticut","Colorado","Iowa","Maine","Maryland","Northern Mariana Islands","Puerto Rico","U.S. Virgin Islands","District of Columbia","American Samoa","Guam","New York","Vermont","West Virginia"],"experiments":{"defaultSmsOptInEnabled":false,"turndownPlaidAssetsEnabled":true,"reviewRedesignExperiment":false,"incomeStepOptimizationEnabled":false,"helocQuestionAndConsentEnabled":false,"autoSecuredPersonalLoanFundingFormQuestionEnabled":false,"inUofOtherTreatment":false,"fundingFormLoanAmountDisclaimer":null,"skipNameStep":false,"eligibleForPrefill":false,"nonAffiliateConsentEnabled":false,"incomeModalIaEnabled":true,"removeSSNBeforeGR":false,"inAddressVerification":false,"inProgressTracker":false,"inAdvancedPhoneValidation":false,"inPartnerApiTrafficFFStepsTreatment":false,"inNoCreditImpactTreatment":false,"fastTrackVariant":"control","mintRedesignVariant":"control","progressBarImprovementVariant":"control","inLoginRedirect":false,"neuroIdEnabled":true,"inSweepstakes":false},"maxedOutStatesProp":[],"helpCenterLink":"https://upstarthelp.upstart.com/en_US/borrower-verification/soft-vs-hard-credit-inquiries-what-you-need-to-know","isEmailCaptureFlow":true,"deviceFingerprintEnabled":true,"maxedOutStatesUrl":"/funding_form/get_maxed_out_states_for_pl","hideExperimentForm":false,"chatbotExperimentEnabled":false,"submitPath":"/create_from_upstart_basic_signup","pqs_lead_uuid":null,"affiliateDataSharingOptIn":true,"helocMinLoanAmount":10000,"helocCrossSellStates":["Alabama","Alaska","Arizona","Arkansas","California","Colorado","Connecticut","Delaware","District of Columbia","Florida","Georgia","Idaho","Illinois","Indiana","Iowa","Kansas","Kentucky","Louisiana","Maine","Michigan","Mississippi","Montana","Nebraska","New Hampshire","New Jersey","New Mexico","North Carolina","North Dakota","Ohio","Oklahoma","Oregon","Pennsylvania","South Carolina","South Dakota","Tennessee","Utah","Virginia","Washington","West Virginia","Wisconsin","Wyoming"],"loanType":"initial","webClientUuid":"9058fb20-4f41-013f-fdd9-2af6af7090d6","signupPrefiller":{},"inSweepstakes":false}