The Institute for Extraordinary Banking, Inc. Services Privacy Policy THIS PRIVACY POLICY APPLIES TO YOUR ACCESS AND USE OF THE INSTITUTE FOR EXTRAORDINARY BANKING SERVICES (the “Services”). BY DOWNLOADING, INSTALLING, OR USING THE SERVICES, YOU ARE AGREEING THAT YOU HAVE READ AND AGREE TO BE BOUND BY THIS PRIVACY POLICY. IF YOU DISAGREE WITH ANY PART OF THIS PRIVACY POLICY, THEN PLEASE DO NOT DOWNLOAD, INSTALL, OR USE THE SERVICES For purposes of this Privacy Policy, “Company” shall refer to The Institute for Extraordinary Banking, Inc., a Minnesota company, and “Client” shall refer to the person or entity that downloads, installs, and/or uses the Services.

1. 1. Information Used By The Services 
      • User Provided Information. The Services obtain the information Client provides when Client downloads, registers, or accesses the Services. Registration may be mandatory in order to be able to use the basic features of the Services. When Client registers and uses the Services, Client generally provides:
        • Client name, mailing address, email address, telephone number, user name, password, and other registration information;
        • transaction-related information, such as when Client makes or responds to any offers;
        • information Client provides Company when Client contacts Company for help;
        • credit card or other payment information for purchases made or received through the use of the Services; and
        • information Client enters when using the Services, such as contact information. Company may also use the information Client provided Company to contact Client from time to time to provide Client with important information, required notices, and marketing promotions.
      • Automatically Collected Information. In addition, the Services may collect certain information automatically, such as the type of mobile device Client uses, Client’s mobile device’s unique device ID (“UDID”), the IP address of Client’s mobile device, Client’s mobile operating system, the type of mobile Internet browsers Client uses, and information about the way Client uses the Services.
   2. Real Time Location Information. The Services does collect precise information about the location of Client’s device. The Services may receive it directly from the GPS on Client’s device, through cell tower or Wi-Fi hotspot information, or through other means. Company may use third-party service providers to translate that information into usable location information. Company uses Client’s location information to provide requested services and information by location.
   3. Third Party Access to Information. Company will share Client information with third parties only in the ways that are described in this Privacy Policy. Company may disclose User Provided Information and Automatically Collected Information:
      • As required by law, such as to comply with a subpoena or similar legal process.
      • When Company believes in good faith that disclosure is necessary to protect Company’s rights, protect Client safety or the safety of others, investigate fraud, or respond to a government request
      • With Company’s trusted services providers who work on Company’s behalf, do not have an independent use of the information Company discloses to them, and have agreed to adhere to the rules set forth in this Privacy Policy.
      • If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, Client will be notified via email, mobile alert, or SMS text message of any change in ownership or uses of this information, as well as any choices Client may have regarding this information.
      • To advertisers and third-party advertising networks and analytics companies as described below under the Section entitled Automatic Data Collection and Advertising.
   4. Opt-Out Rights. Client can stop all collection of information by the Services easily by uninstalling the Services. Client may use the standard uninstall processes as may be available as part of the Services.
   5. Data Retention Policy. Company will retain user provided information for as long as Client uses the Services and for a reasonable time thereafter. If Client would like us to delete user provided information that Client has provided via the Services, please contact Company and Company will respond in a reasonable time. Please note that some or all of the user provided information may be required in order for the Services to function properly, and Company may be required to retain certain information by law.
   6. Children. Company does not use the Services to knowingly solicit data from or market to children under the age of 18. If a parent or guardian becomes aware that his or her child has provided Company with information without their consent, he or she should contact Company. Company will delete such information from Company’s files within a reasonable time.
   7. Security. Company is concerned about safeguarding the confidentiality of Client’s information. Company provides physical, electronic, and procedural safeguards to protect information we process and maintain. For example, Company limits access to this information to authorized employees and contractors who need to know that information in order to operate, develop, or improve the Services. Please be aware that, although Company endeavors to provide reasonable security for information Company processes and maintains, no security system can prevent all potential security breaches.
   8. Changes. This Privacy Policy may be updated or amended from time to time for any reason. Company will notify Client of any changes to our Privacy Policy by informing Client via email. Client is advised to consult this Privacy Policy regularly for any changes.
   9. Consent. By using the Services, Client is consenting to Company’s processing of user provided information and automatically collected information as set forth in this Privacy Policy now and as amended by Company. “Processing” means using cookies and other analytical tools in any way, including, but not limited to, collecting, storing, deleting, using, combining, and disclosing information, all of which activities will take place in the United States. If Client resides outside the U.S. Client’s information will be transferred to the U.S., and processed and stored there under U.S. privacy standards. By using the Services and providing information to Company, Client consents to such transfer to, and processing in, the US.
   10. LIMITATION OF LIABILITYCLIENT UNDERSTANDS AND AGREES THAT ANY DISPUTE OVER PRIVACY IS SUBJECT TO THE TERMS OF THIS PRIVACY POLICY AND ANY COMPANY AGREEMENT AS MAY BE UPDATED OR AMENDED FROM TIME TO TIME FOR ANY REASON (“TERMS AND CONDITIONS”), INCLUDING, BUT NOT LIMITED TO, LIMITATIONS ON DAMAGES AND MANDATORY MEDIATION OF DISPUTES. CLIENT AGREES THAT COMPANY’S LIABILITY FOR ANY BREACH OF THIS PRIVACY POLICY IS LIMITED TO THE SUM OF $100, BUT ONLY TO THE EXTENT THAT SUCH CLAIM IS NOT OTHERWISE BARRED BY THE TERMS AND CONDITIONS.
   11. Contact InformationIf Client has any questions regarding privacy while using the Services, or have questions about our practices, please contact Company via email at info@emmerichgroup.com

LAST UPDATED: March 17, 2025