Privacy Policy

Last Updated: July 28, 2025

Introduction.
You are visiting a website owned and operated by Warmest Dear, LLC (“5K-Funds”, “we”, “us”, or “our”). We value your privacy and are committed to protecting the personal information you share with us. This Privacy Policy is designed to inform you about how we collect, use, store, share, and protect your information when you interact with our services and platforms. This Privacy Policy applies to all websites and digital properties owned and operated by 5K-Funds, including any branded or affiliated websites where this Privacy Policy is displayed (collectively, the “Site(s)” or “Website(s)”), as well as to all services offered or provided through those Sites (the “Services”), whether you access them via desktop, mobile device, or other means.

By accessing or using the Website or Services, you acknowledge and agree to be bound by the terms of this Privacy Policy. If you do not agree with the terms set forth herein, you must not access or use our Website or Services. This Privacy Policy is incorporated into and subject to our Terms and Conditions, which also govern your use of the Website and Services. We may update this Privacy Policy from time to time in our sole discretion to reflect changes in legal requirements, industry practices, or the functionality of our Services. When we make changes, we will revise the “Last Updated” date at the top of this page. We encourage you to review this page periodically to stay informed about our privacy practices and any modifications. If you have any questions about this Privacy Policy or our data handling practices, please contact us at info@5k-funds.com.
Information We Collect.
When you use our Website and Services, 5K-Funds collects both Personally Identifiable Information (PII) and Non-Personally Identifiable Information (Non-PII) to operate effectively, fulfill requests, enhance security, comply with applicable laws, and improve your overall experience.

Personally Identifiable Information (PII). We may collect information that can identify you as an individual, either directly or in combination with other data. This may include: (i) your full name, (ii) email address, (iii) mailing address, (iv) phone number, (v) date of birth, (vi) Social Security Number (SSN), (vii) driver's license or other government-issued identification number, (viii) employment details such as employer name and job title, (ix) income and payroll information, (x) banking information including routing and account numbers, (xi) credit-related data such as score ranges or inquiries, and (xii) information related to your financial product preferences and history. This information may be provided directly by you through form submissions, or collected through third-party affiliates or service providers with your authorization.

Non-Personally Identifiable Information (Non-PII). We also collect data that does not directly identify you but helps us understand usage patterns and improve our services. This may include: (i) your device type, operating system, and browser version, (ii) IP address and approximate geolocation, (iii) internet service provider details, (iv) timestamps of website visits, (v) referring or exit pages, (vi) on-site behavior including page views and duration, (vii) general demographic attributes such as age range or interests (when available), and (viii) interaction data from our emails or advertisements. We collect this information automatically through technologies such as cookies, web beacons, pixel tags, JavaScript, and analytics tools.

Sensitive Information. Certain categories of information we collect—such as (i) your Social Security Number, (ii) bank account credentials, and (iii) government-issued ID numbers—are considered sensitive under applicable privacy laws. We treat this data with enhanced security protocols and limited access controls to ensure confidentiality and integrity.
How We Collect Information.
5K-Funds collects information through several methods based on your interactions with our Website and Services.

Information You Provide Directly. First, we collect personal information you voluntarily provide when submitting an inquiry or engaging with our Services through an online form, phone call, electronic communication, chatbot, or other interactions. This may include (i) contact information such as your name, mailing address, telephone number, and email address; (ii) identifying information including your Social Security number, date of birth, and other similar identifiers; (iii) communications and correspondence such as emails, chat messages, call recordings, and any related documentation involving our Services; and (iv) other information you choose to provide through webforms or tools such as our Freshworks chatbot.

Information from Third-Party Service Providers. In addition, we collect information from third-party service providers, including (i) credit bureaus, (ii) financial data aggregators, and (iii) other vendors who may have relevant demographic, credit, property, or income-related data necessary for processing your inquiry or helping our Network Partners determine your eligibility.

Information Collected Through Cookies and Tracking Technologies. Lastly, we gather data using cookies and other tracking technologies to improve functionality and enhance your user experience. This data may include (i) your IP address, (ii) browser type and settings, (iii) device type and operating system, (iv) referring URLs and pages visited, (v) date and time stamps of your visit, (vi) clickstream activity, and (vii) other behavioral data collected during your session.
Information Collected Through Automated Means.

When you access or interact with our Services, we may automatically collect certain information about your device, browsing behavior, and usage patterns through technologies such as cookies, pixels, web beacons, software development kits (SDKs), and other similar tools. These technologies help us understand how users engage with our platform, improve functionality, enhance user experience, and tailor content and advertising to be more relevant and effective.

The information collected through these automated methods may include device-specific data, such as your Internet Protocol (IP) address, device type, operating system, browser type, language preferences, screen resolution, and unique device identifiers. In some cases, we may also capture the geolocation of your device when permitted by your browser or device settings. This type of information enables us to detect technical issues, maintain security, and optimize the performance of our Services across different devices and platforms.

Additionally, we collect usage-related information, including the dates and times of your visits, the specific pages or features you access, the amount of time spent on our Website, how you navigate between pages, the referring domain or website that led you to our Services, and other clickstream data related to your session. We may also monitor behavioral patterns on our platform, such as mouse movements, scroll behavior, interaction with webforms, keystroke patterns, and the actions you take in response to emails or notifications sent by us.

These automated tools may operate in conjunction with our third-party service providers, analytics platforms, and advertising partners. Together, this data enables us to personalize your experience, analyze traffic trends, detect potential fraud or misuse, and support internal business and marketing operations. By continuing to use our Services, you consent to the use of these tracking technologies in accordance with this Privacy Policy and applicable law.
Advertising and Analytics.
We use a range of third-party analytics and advertising technologies to better understand who uses our Services, how our Services are accessed and engaged with, and to enhance the performance and relevance of our content and advertising. These tools enable us to measure trends, draw behavioral inferences, and deliver interest-based advertisements that are tailored to your browsing behavior across websites and devices. For instance, we utilize services such as Google Analytics and Meta Pixels to track user interactions and improve functionality and user experience across our platform.

Google Analytics. Helps us understand user engagement, traffic sources, and user journeys on our Website. To learn more about how Google collects and processes data, please visit Google’s Privacy & Terms. You may opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on..

Meta Pixels. Enable us to measure the effectiveness of our Facebook and Instagram advertising campaigns and better understand how users interact with our site after seeing our ads. For more information about Meta’s data practices or to adjust your advertising preferences, please visit Meta Ads Settings.

We also engage in interest-based advertising by working with partners including Google, Meta, TikTok, and other advertising networks that use cookies, pixels, web beacons, SDKs, and other tracking technologies to collect data about your interactions with our Website, third-party websites, and mobile applications. This information may include your device identifier, browser type, visited pages, browsing activity across sessions and sites, and engagement with our advertisements. The collected data is used to serve targeted ads and to measure the performance of those ads across different platforms and devices.

You may be able to control certain ad preferences or opt out of interest-based advertising by adjusting your browser settings, limiting ad tracking on your device, or visiting resources like All About Cookies. Additionally, individual ad platforms provide their own tools for managing preferences, including Google Ads Settings, Meta’s Ad Preferences, TikTok’s Privacy Center, and Twitter’s Personalization Settings.

We also use site recording technologies, such as Hotjar, to analyze how users engage with our pages. These technologies embed scripts on the site that track behavior such as mouse movements, scrolls, page interactions, redacted form inputs, time spent on pages, and timestamps of various actions. The information collected through these recordings allows us to improve usability, diagnose technical issues, and enhance the design of our Services. By using our Website, you consent to this data being collected and used by 5K-Funds and its authorized vendors.

In addition, we incorporate chatbot functionality powered by Freshworks to assist with customer service and automate support. This AI-based virtual assistant can simulate human conversation and respond to user inquiries without requiring a live agent. If you engage with our chatbot, we may collect any information you provide during the interaction, and transcripts of these conversations may be stored by Freshworks for purposes including quality assurance, customer support, fraud prevention, and service optimization. While we monitor and secure this data, we encourage you not to share sensitive personal, financial, or confidential information through the chatbot interface.

Lastly, we may collect personal information from third-party sources, including credit bureaus, lead generators, social media platforms, our Network Partners, and other data providers. This information may include contact details, demographic data, credit scores or credit history, account or loan-related details, and other consumer or transactional information. We use this information to verify and enhance our internal records, personalize and improve the Services we deliver, perform analytics, and support other business functions outlined in this Privacy Policy.
How We Use Your Information.
We use the information collected through your interactions with our Website, as well as any information you voluntarily provide, to support and enhance the delivery of our Services and to conduct business operations in a lawful and efficient manner. Specifically, we may use your information for the following purposes: (i) to deliver the products, services, and content you request or that may be relevant to your needs; (ii) to personalize and optimize your user experience based on your preferences, behavior, or device characteristics; (iii) to contact you regarding products, services, offers, or promotions that we or our partners believe may be of interest to you; (iv) to communicate with you via email, telephone, SMS/text message, direct mail, or other means—even if your number is listed on a state, federal, or corporate do-not-call registry; (v) to share with third-party lenders, financial institutions, or service providers for purposes of evaluating your eligibility for financial products or related offerings; (vi) to support core business functions such as internal research, data analytics, advertising, and marketing strategy, or to monitor and improve operational performance; (vii) to maintain, develop, and improve our Website’s functionality, design, and security features; (viii) to enhance customer service and support, including responding to inquiries, troubleshooting, and quality assurance; (ix) to comply with applicable laws, regulations, legal processes, or enforceable governmental requests and to safeguard the security and integrity of our systems; and (x) to fulfill any other purposes that were clearly disclosed to you at the time your information was collected or as otherwise permitted by law.
How Do We Share Your Information. How We Share Your Information.

Consent to Receive Communications. By voluntarily submitting your information through our Website or related forms, you expressly consent to receive communications from: (i) 5K-Funds; (ii) our Network Partners, including third-party lenders or financial service providers; and (iii) third parties who support our operations—such as email marketing vendors, SMS/text message service providers, direct mail vendors, and web hosting platforms. These communications may be delivered via email, phone, text message/SMS, or other contact methods, even if your contact information appears on a federal, state, or internal “do-not-contact” registry.

Consent to Share Your Information. By using our Services and submitting an inquiry through our Website, you authorize 5K-Funds to share your personal information with third-party lenders, financial institutions, and service providers in our network (“Network Partners”) to help deliver the products and services you request. These may include direct lenders, loan matching platforms, or intermediary facilitators that assist in connecting you with suitable financial providers.

Please note: Our Network Partners may use and retain your information according to their own privacy practices—even if you do not complete a transaction with them. We encourage you to review their privacy policies directly. We may update the list of our Network Partners periodically, and we recommend checking this list to stay informed.

Categories of Third Parties With Whom We May Share Your Information.
- Network Partners. We disclose personal information to Network Partners to facilitate your loan requests or to present financial offers that may be relevant to you. Their use of your personal data is governed by their individual privacy policies.
- Service Providers. We share your personal information with vendors and contractors who perform services on our behalf, such as customer support, website operations, data storage, cloud services, and fraud prevention.
- Analytics Providers. We share your information with analytics companies that help us understand how users interact with our Services, optimize performance, and assess marketing effectiveness.
- Advertising and Marketing Partners. We may share your information with social media platforms, ad networks, and marketing service providers who assist in serving interest-based ads and tracking campaign performance across platforms and devices.
- Government and Legal Disclosures. We may disclose personal information to public authorities and legal entities when required to do so by law, such as in response to subpoenas, court orders, government inquiries, regulatory obligations, or enforcement actions.
- Business Transfers. If we are involved in a merger, acquisition, sale of assets, corporate reorganization, bankruptcy, or other change in control, your personal information may be transferred as part of that transaction.
- Legal and Security Protections. We may disclose your information to protect our rights, users, systems, or the public, including to: (i) enforce our terms and conditions; (ii) prevent fraud, unauthorized use, or illegal activity; (iii) respond to security incidents or potential threats; and (iv) cooperate with law enforcement or regulatory authorities.
- With Your Consent or at Your Direction. We may share your information when you specifically request or authorize us to do so.
- Aggregated or De-Identified Information. We may share aggregated, anonymized, or de-identified information that does not directly identify you with third parties for analytics, research, or other lawful business purposes.
How We Protect Your Information.

Retention of Information. By accessing and using this Website, you acknowledge and agree that 5K-Funds may retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including for legal, regulatory, business, and operational purposes. Please be aware that any transmission of personal information is done at your own risk.

Security Measures. We are committed to protecting your personal information and use commercially reasonable and generally accepted industry standards to safeguard the data we collect. This includes the use of administrative, technical, and physical security measures designed to protect against unauthorized access, disclosure, or misuse. Sensitive data transmitted through our Website may be encrypted using secure socket layer (SSL) technology or similar encryption protocols.

While we implement measures designed to enhance the security of the information we process and maintain, no method of transmission over the Internet or method of electronic storage is completely secure or error-free. As such, we cannot guarantee the absolute security of your personal information transmitted to or through our Website.

Third-Party Risks and Limitations of Liability. We take reasonable steps to protect your information from unauthorized access or disclosure. However, you acknowledge that security breaches, interception of transmissions, or unauthorized acts by third parties may occur despite our efforts. 5K-Funds is not responsible for any unauthorized access to your information that occurs through no fault of our own, including but not limited to technical malfunctions, human error, or malicious acts by third parties.
Third-Party Links.
Our Website may contain links to third-party websites that are not operated or controlled by 5K-Funds. These external websites may have separate and independent privacy policies, terms, and data collection practices that differ from our own. We do not endorse, monitor, or assume any responsibility for the content, privacy practices, or activities of any linked third-party websites. We strongly encourage you to review the privacy policies and terms of service of any third-party website before providing any personal information.
Consent to Communicate.
By submitting your personal information through this Website, you expressly authorize 5K-Funds and its affiliates to contact you via email, telephone, postal mail, and text message/SMS, even if your number appears on a federal, state, or corporate do-not-call registry. These communications may include marketing messages, service updates, and transactional notices.

If you wish to withdraw your consent to receive marketing communications or to limit our sharing of your information for such purposes, you may submit your request by sending an email to info@5k-funds.com and mailing your request to:
- Warmest Dear, LLC
- Attn: Legal Department
- 1223 Wilshire Blvd, #852
- Santa Monica, CA 90403-5400
Modifications of Amendments.
We may update or modify this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational purposes. If we make material changes, we will notify you by updating the effective date at the top of this Policy and, where required by applicable law, request your explicit consent. We encourage you to periodically review this Privacy Policy to remain informed about how we collect, use, and share your information. Your continued use of the Website after such modifications constitutes your acknowledgment and acceptance of the revised Privacy Policy.
Children Under the Age of 18.
This Website is not directed to, nor intended for use by, individuals under the age of eighteen (18). We do not knowingly collect, solicit, or store personal information from anyone under the age of 18. If we become aware that we have inadvertently collected personal information from a child under 18, we will take reasonable steps to delete such information from our records. If you believe we may have collected personal information from a minor, please contact us immediately.

Your Rights Under the CCPA.
If you are a California resident, you have specific rights concerning your personal information under the California Consumer Privacy Act of 2018 (CCPA) and related laws. This section summarizes the categories of personal information we collect, the purposes for which we collect it, the sources we obtain it from, and the parties with whom we share it.

A)	Identifiers Examples Name, IP address, email address, and similar identifiers Source You, third-party data providers, marketing partners, advertising partners Purpose To provide services, market to you, analyze your usage, conduct research, maintain system security, and comply with legal obligations Shared With Lenders, intermediary service providers, marketing and advertising partners, web analytics providers, customer support, data processors, law enforcement, and government authorities
B)	Personal Information Categories (California Customer Records statute) Examples Name, signature, address, phone number, driver’s license/state ID, employment info, Social Security number, bank account number Source You and third-party data providers Purpose To provide requested services or products on behalf of lenders and service providers, market to you, analyze usage, research, security, and compliance Shared With Lenders, intermediary service providers, marketing and advertising partners, customer support, data processors, law enforcement, government authorities
C)	Protected Classification Characteristics (California/Federal law) Examples Age, military status Source You and third-party data providers Purpose To provide services/products, market, analyze, research, secure systems, and ensure compliance Shared With Lenders, intermediary service providers, marketing and advertising partners, customer support, data processors
D)	Commercial Information Examples Products or service providers you navigate to Source You and third-party data providers Purpose To provide services/products, market, analyze, research, and maintain system security Shared With Lenders, intermediary service providers, marketing and advertising partners, customer support, data processors
E)	Biometric Data Examples Keystroke dynamics, behavioral or biological characteristics Source Not applicable Purpose Not applicable Shared With Not applicable
F)	Internet or Similar Network Activity Examples Browsing and search history, interaction with websites, apps, or ads Source You, web browsers, marketing and advertising partners Purpose To provide services/products, market, analyze, research, and maintain system security Shared With Marketing partners, advertising partners, web analytics, security and anti-fraud providers
G)	Geolocation Data Examples Physical location or movements Source You, web browsers, marketing and advertising partners Purpose To provide services/products, market, analyze, research, maintain security, and comply with legal obligations Shared With Marketing partners, advertising partners, web analytics, security and anti-fraud providers
H)	Sensory Data Examples Audio, electronic, visual, or similar information Source Not applicable Purpose Not applicable Shared With Not applicable
I)	Professional or Employment-Related Information Examples Current employer, length of employment Source You and third-party data providers Purpose To provide services/products, market, analyze, research, and maintain system security Shared With Lenders, intermediary service providers, marketing and advertising partners, customer support, data processors
J)	Inferences Drawn from Other Personal Information Examples Profiles reflecting preferences, characteristics, trends, behavior, and abilities Source Third-party data providers, marketing and advertising partners Purpose To provide services/products, market, analyze, research, and maintain system security Shared With Data processors, web analytics providers, security and anti-fraud providers

If you would like to exercise your CCPA rights or have questions about how your information is handled, please contact us at info@5k-funds.com.

Right to Know. As a California resident, you have the right to request and receive information regarding (i) the categories of personal information we have collected about you in the past 12 months; (ii) the sources from which your personal information was collected; (iii) the business or commercial purposes for which we collected or sold your personal information; and (iv) the categories of third parties with whom we share your personal information.

Additional Privacy Rights. You also have the right (i) to request specific details about the personal information we hold about you; (ii) to request deletion of your personal information, subject to certain exceptions; (iii) to opt out of the sale of your personal information; and (iv) to be free from discrimination for exercising any of these rights. Please note that under the CCPA, you may submit up to two such requests per 12-month period.

Right to Non-Discrimination. We will not discriminate against you for exercising your CCPA rights. Specifically, we will not (i) deny you goods or services; or (ii) provide you with a different level or quality of goods or services, unless otherwise permitted by law.

Alternative Format. If you have a disability that limits your ability to access this notice, please contact us at info@5k-funds.com. or call (747) 204-3441. We will provide this notice to you in an accessible format.

Authorized Agents. California residents may designate an authorized agent to submit CCPA requests on their behalf. We require written authorization to confirm the agent’s authority.

DO NOT SELL MY PERSONAL INFORMATION

Important Notice. If you opt out of the sale of your personal information, please be aware that we may be unable to connect you with loan products or services through our Network Partners. If you wish to opt back in, simply resubmit your request indicating your preference to allow the sale of your information for service delivery.

Your Rights Under Other State Privacy Laws.
In addition to the California Consumer Privacy Act (CCPA), residents of certain other states have specific rights regarding their personal information. Below is a summary of key privacy rights from several states with enacted or emerging privacy laws.

Nevada Privacy Rights. Nevada residents have the right to request that website operators not sell their personal information. If you are a Nevada resident, you may submit a request to opt out of the sale of your personal information by contacting us at info@5k-funds.com. or following instructions on this Website.

Virginia Consumer Data Protection Act (VCDPA). Residents of Virginia have the right to: (i) access and obtain a copy of their personal data collected by us; (ii) correct inaccuracies in their personal data; (iii) delete personal data we have collected about them, subject to certain exceptions; (iv) opt out of the processing of personal data for targeted advertising or sale purposes; (v) obtain a portable copy of their personal data in a readily usable format to exercise these rights, Virginia residents can contact us at info@5k-funds.com.

Colorado Privacy Act (CPA). Colorado residents have rights similar to those under the CCPA and VCDPA, including (i) the right to access and correct their personal data; (ii) the right to delete personal data, subject to exceptions; (iii) The right to opt out of the processing of personal data for targeted advertising, sale, or profiling purposes. Colorado residents may submit requests or inquiries regarding their privacy rights by contacting info@5k-funds.com.

Connecticut Data Privacy Act (CTDPA). Connecticut residents are entitled to: (i) access their personal data; (ii) correct inaccuracies; (iii) delete personal data under certain conditions; (iv) opt out of targeted advertising and profiling based on personal data.

Requests can be submitted by contacting info@5k-funds.com.

Additional Notes

Privacy laws vary by state and are subject to change. We encourage users to review this Privacy Policy regularly and reach out to us with questions or requests concerning your data privacy rights.

If you are a resident of a state with data privacy laws not specifically listed here, you may still have rights under federal or state law. Please contact us to learn more about your privacy rights.

How to Exercise Your Rights:

To exercise any of your data privacy rights under applicable state laws, please contact us at:
- Warmest Dear, LLC
- Attn: Legal Department
- 1223 Wilshire Blvd, #852
- Santa Monica, CA 90403-5400
Please include the following information when submitting a request: your name, contact information, description of the request, and any relevant details to help us process your request.
California Disclosures.
California law requires us to provide certain disclosures to users of this Website regarding privacy practices and information sharing.

Shine the Light Disclosure. Under California Civil Code Section 1798.83, California residents who use this Website have the right to request information about how we share personal information with third parties for their direct marketing purposes. To submit such a request, please contact us at info@5k-funds.com. Please note that this provision does not restrict disclosures made for non-marketing purposes.

Do Not Track Disclosures. Pursuant to California Business and Professions Code Section 22575(b), we are required to disclose our practices regarding third-party tracking technologies and whether this Website honors browser “Do Not Track” signals. Currently, no third parties collect personally identifiable information you provide on this Website through tracking technologies, and 5K-Funds does not respond to or honor browser Do Not Track signals.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us at info@5k-funds.com