California Consumer Privacy Act notice and inquiries.

California privacy notice.

This California Privacy Notice (“Notice”) is for California residents and supplements our Novi Privacy Policy. It explains how we collect, use, and share your Personal Information and how to exercise your rights under the California Consumer Privacy Act (“CCPA”). When we say “Personal Information” in this Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is aggregated or information that cannot be reasonably linked to you.

This Notice applies solely to information that is subject to the CCPA. The CCPA does not apply to information that is subject to certain federal and state financial privacy laws. Our Novi Privacy Policy describes our privacy practices related to information we collect when you seek, apply for, or obtain our financial products and services for personal, family or household purposes.

I. How we collect, use, and share Personal Information

To provide the Novi website (“Website”) and other products or features offered by Novi (“Services”), we must process information about you, including Personal Information. Subject to the limitations we describe in our Novi Privacy Policy, we may share your Personal Information for business purposes with strict restrictions on how our partners can use and disclose the data we provide, at your direction, and in ways otherwise in accordance with the CCPA. We don’t sell any of your Personal Information to anyone.

The best way to learn about the kinds of information we collect and how we use it is to review our Novi Privacy Policy. Here is a summary of the CCPA-related categories of Personal Information we may have collected about you over the past 12 months, depending on how you use our Services, as well as how we use your Personal Information and with whom we may have shared it.

Learn more about how we process information, including other types of Personal Information we collect, by reading our Novi Privacy Policy.

II. Sources of Personal Information

We receive Personal Information from the information that you and others provide, from your device(s), and from our partners. The categories of sources from which we’ve collected or received Personal Information include:

• You: We collect the content, communications, and other information you provide directly to us through our Website or other Services, including when you create an account, verify your identity, initiate a transaction, or communicate with Novi or other users. For example, we collect your email address if you choose to provide it to us, and your account and contact information. We also collect information about elements you’ve interacted with on the Website, pages visited on the Website, and other actions you’ve taken on our Services.

• Other people: We also may receive information about you from other people when they use our Services, such as when another user completes a transaction with you or uploads a contact book with your name or phone number.

• Your device(s): We collect information from and about the devices you use to access our Services, such as the operating system, hardware and software versions, browser type, the name of your mobile operator or ISP, IP address, and cookie data, and we combine this information across different devices you use.

• Facebook Companies: We may receive information from other companies that are within the Facebook family of companies (including Facebook, Inc. and Facebook Payments, Inc.) to help us keep Novi safe for everyone, comply with the law, provide basic functionality, and allow Novi to advertise its services.

• Partners: We receive personal information about you from partners such as businesses we use for identity verification and fraud prevention services. We also collect information from publicly available sources.

III. How can you exercise your rights provided under the CCPA?

Under the CCPA, you have the following rights:

• Right to Know: You have the right to request that we disclose to you the Personal Information we collect, use, or disclose, and information about our data practices;

• Right to Request Deletion: You have the right to request that we delete your Personal Information that we have collected from you;

• Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.

To exercise your “right to know” or your “right to request deletion,” please use the form below to contact us.

Please note that to protect your information and the integrity of our Products, we may need to verify your identity before processing your request. For example, we may need to collect additional information to verify your identity, such as a government issued ID. We may not process your request if we are unable to verify your identity.

Under the CCPA, you may exercise these rights yourself or you may designate an authorized agent to make these requests on your behalf. In most cases, we will facilitate your request through automated tools available through your password-protected account.

IV. Contact for more information.

If you have additional questions about this Notice or how to exercise your rights under the CCPA, please use the form below to contact us.

Date of Last Revision: October 19, 2021