Overview

This Privacy and Accessibility Policy ("the
Policy") outlines how Hubbub Digital LLC, including its affiliates ("Hubbub
Digital LLC"), collects, uses, and protects personally identifiable
information provided by customers ("consumer," "customer,"
"you," or "your") when using this website. Hubbub Digital
LLC may share your personal information, collected from you or other sources,
to process your loan, service your account, or offer you products or services
from our affiliates or third-party service providers.

We are committed to protecting the privacy and
confidentiality of your personal information. We implement physical,
electronic, and procedural safeguards that comply with federal, state, and
applicable laws to protect your personal information from unauthorized access,
alteration, and destruction. It is Hubbub Digital LLC’s policy to restrict
access to your personal information to individuals who need it to perform their
job functions.

Occasionally, we enter into agreements with other companies
to provide services to us or to offer products and services to you. These
companies may receive your personal information under these agreements, but
they are contractually required to protect the information and are prohibited
from using it for any other purpose.

Hubbub Digital LLC Website

This website is owned, managed, and maintained by Hubbub
Digital LLC. By using this website, you are consenting to this Policy.

Scope

Who is Covered by this Privacy Policy

This Policy applies to current and former customers. If we
change our privacy policies to permit us to share additional information we
have about you, as described below, or to permit disclosures to additional
types of parties, you will be notified in advance.

Policy Statement

This Policy outlines the reasons we may use or share your
personal information. This policy details how you can limit Hubbub Digital LLC
from sharing your personal information.

What Personal Information We Collect and Share

The types of personal information we collect and share
depend on the product or service. This information can include but is not
limited to the following:

- Social Security number and employment information;

- Account balances, transaction history, and credit
information;

- Assets and investment experience;

- Name, date of birth, email address, postal address, phone
number, mobile number;

- Debit or credit card details;

- Information about your device (such as the IP address,
which is a numerical code to identify your device that can provide information
about the country, region, or city where you are based); and

- User information relating to your circumstances and how
you use our sites, apps, and services.

How We Gather Your Personal Information

As part of providing you with financial products or
services, we may obtain information about you from the following sources:

- Applications, forms, and other information that you
provide us (such as name, address, Social Security and account numbers, and
income and employment history);

- Transactions with us, our affiliates, or others (such as
loan balance, payment history, and other account information);

- Federal and state taxing authorities;

- Federal, state, or local government agencies;

- Other financial institutions with which you do business;

- Mortgage settlement service providers like consumer
reporting agencies (such as account information and information about your
creditworthiness); or

- Website page visits, web browsers, and blog post comments
(such as non-personal information which includes the date, time, location, and
cookies).

Loan data information, including personal information, is collected
and stored in the Loan Origination System (LOS). Our LOS maintains detailed
logs when records are created and edited. The data and the logs, including
personal information, are maintained and managed in our LOS for extended
periods, subject to federal, state, and applicable laws.

Our LOS is a cloud-based, hosted system, and is recognized
as one of the most important and widely used systems for mortgage lending. Hubbub
Digital LLC follows the technology capabilities provided by our LOS to extract
and delete information from the loan files.

I

nformation Collected When Using This Website

We do not access information about your identity while you
are using our website. Your information is used after an application is
completed or once you submit a contact form. Before completing an application
or contact form, your personal information will remain anonymous to us. We only
collect the date, time, location, and activity on the website.

Cookies

Cookies are tiny files placed on your computer via your
browser, allowing websites to recognize your browser and remember info. They
help with site navigation, saving preferences, tracking ads, and collecting
data to enhance user experience. We may use third-party services for insights,
but they can't use this data for their own purposes. Disabling cookies may
affect website functionality. Learn more at http://www.aboutcookies.org.

Call Monitoring and Recording

If you communicate with us by telephone, we may monitor or
record the call.

Why We Use Your Personal Data

We use your personal information collected through our
websites or applications for several purposes, including the following:

- Business purposes — such as to process your loan
transactions, maintain your account(s), respond to court orders and legal
investigations, or report to credit bureaus; or

- Marketing purposes — with service providers we use to
offer our products and our services to you (please see below to limit how we
contact you); or

- Use by Third-Party Service Providers – We may share your
information with a third-party service provider which may offer their products
or services to you directly.

What Information We Share

We may disclose collected information we have about you as
permitted by law. We may provide information about you to third parties without
your consent, as permitted by law, such as:

- To regulatory authorities and law enforcement officials;

- To protect against or prevent actual or potential fraud,
unauthorized transactions, claims, or other liability;

- To consumer reporting agencies;

- To respond to a subpoena or court order, judicial process,
or legal investigations; or

- In connection with a proposed or actual sale, merger, or
transfer of all or a portion of a business or an operating unit, etc.

In addition, we may provide information about you to our
service providers to help us process your application, service your accounts,
or to offer services. Our service providers, which may include billing service
providers, mail and telephone service companies, lenders, investors, title and
escrow companies, home-owner insurance companies, appraisal companies, or other
services needed to originate or service a loan.

Third-Party Services and Agreements

We may disclose information we collect to companies that
perform marketing services on our behalf or to other financial institutions
with whom we have joint marketing or purchaser or seller agreements.

How We Protect Your Personal Information and Your Privacy

We limit access to your confidential personal data to
employees and agents who require it to offer you services, support your
account, or uphold the systems it relies on. We employ legal-compliant security
protocols, like computer safeguards and the upkeep of physical and electronic
protective measures, to prevent unauthorized use.

Links to Other Sites

Our website includes links to other, non-Hubbub Digital LLC,
websites whose privacy policies and practices may differ from those of Hubbub
Digital LLC. If you submit personal information to any of those sites, your
information is governed by their privacy statements and we are not responsible
for how your personal information is used or stored. We encourage you to
carefully read the privacy statement of any non-Hubbub Digital LLC website you
visit.

Public Posts

Our website offers publicly accessible blogs. You should be
aware that any information you provide as a blog post comment may be read,
collected, and used by others who access them. To request removal of your
personal information from our blog, contact us at

[email protected]

.

Contacting and Marketing

By submitting information on this site, you consent to
receive communications at the provided phone number (mobile included) or email
from Hubbub Digital LLC, overriding any DNC registry or internal opt-outs. Hubbub
Digital LLC or its affiliates may use automatic dialing for calls, potentially
incurring charges for the recipient.

Children’s Online Privacy Protection Act Compliance

We comply with the requirements of COPPA (Children’s Online
Privacy Protection Act). We do not collect any information from anyone under 18
years of age. Our website, products, and services are all directed to people
who are at least 18 years old or older.

Opting Out or Updating Personal Preferences

Except as otherwise provided above, you may choose to
opt-out from any or all of the ways that your personal information is shared
and how we may contact you in any of the following ways:

- Email us at

[email protected]

;

- Call our customer service number by dialing 888-233-0092;

- Write to us via U.S. mail to the address below indicating
your contact preferences or opt-out request, including your name, address, loan
number(s), and Social Security number.

Hubbub Digital LLC

Attn: Customer Service Department

3715 W Anthem Way suite 112

Anthem, AZ 85086

Changes to Our Privacy Policy Statement

We reserve the right

to amend this privacy notice at our discretion and at any
time. When we make changes to this privacy notice, we will notify you by email
or through a notice on our website homepage.

If we change our policy, we will post those changes on this
page and/or update the last revised date on this page. We encourage you to
periodically review this page for the latest information on our privacy
practices.

Contact Information

If you have any questions or comments about this notice, our
Privacy Policy Statement, how we collect and use your personal information,
your choices and rights regarding such use, or wish to exercise your rights
under this Privacy Policy Statement or applicable law, please do not hesitate
to contact us at:

Hubbub Digital LLC

Attn: Customer Service Department

3715 W Anthem Way suite 112

Anthem, AZ 85086

480.604.8100