Senteri.com Privacy Policy Senteri is committed to ensuring that your privacy is protected. Any information we ask you to provide that makes you identifiable when using this website will only be used in accordance with this Privacy Policy. Senteri may change our Privacy Policy by updating this page. Please check this page periodically to ensure that you agree with any changes. This policy is effective from January 1, 2015. Our Online Privacy Policy This online Privacy Policy describes how we collect, use and share personally identifiable and other information collected online. This policy applies only to the Senteri publicly accessible website. What is Personally Identifiable Information? Personally identifiable information is personal information that can be identified with you such as your name, address (postal or email) telephone, fax number, Social Security Number or other online identifiers. Information is not personally identifiable if it does not reveal your specific identity or relate directly to you, such as aggregated, de-identified or demographic statistical data. How Do We Collect Information Online? We collect personally identifiable or other information online in a variety of ways. For example, we collect information through: •Online forms or data entry fields that you opt to fill out in your sole discretion •Cookies and tags •Surveys We collect information for different purposes, for example, •Online marketing or social media purposes •Online authentication purposes Accuracy of Your Information The accuracy of your personally identifiable information is important. If you find that any information we have or have reported to another party does not appear to be accurate, please contact us: Senteri, LLC 16427 N. Scottsdale, Rd Suite 410 Scottsdale, AZ 85254 Senteri account holding customers can update contact information by logging into their account and selecting the “Update Contact Information” link. Information Sharing Senteri needs to share customer information with partners for business purposes. We may share information with: • Our affiliates (i.e., companies related to us by common ownership or control) • Entities, including affiliates, service providers or other non-affiliates that provide services for us; such services include assisting us in servicing accounts or conducting transactions, surveys, research or marketing • Financial or insurance institutions that jointly offer, endorse or sponsor products or services with us • Regulators and other organizations or individuals who are legally entitled to receive such information

About Cookies and Tags A cookie is a small file containing certain pieces of data that is created and stored when you visit a website using a computer or mobile device. A cookie may be used to track the activities of your browser and also provide you with a more consistent, efficient online experience. Cookies do not contain viruses, and we do not embed any personally identifiable information or passwords in our cookies. There are three common types of cookies that we use: “session cookies,” “persistent cookies” and “Flash cookies.” • Session cookies store information only for the length of time that you are visiting a website; they are not written onto your hard drive. Once you leave the website, they expire and are no longer active. • Persistent cookies are more permanent and store information on your hard drive. Persistent cookies can be re-read when you return to the website that created them. • Flash cookies are data files created when you visit a website, and are most often used to enhance your browsing experience. For more information about Flash cookies or to learn how to remove them, please visit http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html. On our websites we use session, persistent and Flash cookies as described in this policy. We use session cookies to tell us: • • • • • •

What pages you visit and actions you take The address of websites and advertisements that link to our websites Keywords used for searches that brought you to our websites Your browser version and operating system Your Internet Protocol (IP) address Your Internet Service Provider (ISP), and the region from which you connect to our site

We also use session cookies as a type of digital signature to identify your current session to our web server. In our secure website, we may also use session cookies temporarily to store your account number in order to identify multiple user IDs associated with one account number. Cookies containing account numbers are protected through encryption. We use persistent cookies: • To remember your language preferences • To input your user name or login information automatically if you choose that option • To assist us in authenticating you and your computer and to administer secure sites • To reduce the likelihood that an online offer you have already responded to is presented to you again • To analyze products and services you have used, which allows us to optimize our websites and provide a more personalized experience • To collect location information so that we can present proper rates or other content specific to your region. Once you have successfully logged into one of our secure sites, we associate you with an internal identifier that identifies you as our user. Although the internal identifier allows us to know who you are, the cookie will never contain information that would tell a third party who you are, such as your name, address, social security number, account number, telephone number or email address. This internal identifier enables us:

• To monitor your browsing habits and deliver tailored online offers • To help personalize our website content, and contact you with offers that may be of interest to you subject to any marketing preferences that we offer and you have registered with us We use both session and persistent cookies to: • Assist us with application support issues • Determine how many people visit our websites, and which sections of the sites are visited most frequently. This helps us to understand what type of information is most useful to our website visitors so that we can improve our websites and makes it easier for our website visitors to access information. We use Flash cookies to store information such as your IP address and browser type. This information assists us in authenticating you and your computer or mobile device. We also use tags to identify your interests, and when you visit other websites where we advertise you may be presented with information about products or services similar to those you viewed on our website. If you prefer not to accept cookies, many browsers allow you to adjust your settings to refuse cookies automatically or notify you when a cookie is sent. If you delete cookies from your browser, buy a new device, change browsers, or access a website from a different device, you may need to adjust your settings again. If you would like to learn more about your browser’s options for cookies and online security, please refer to your browser’s documentation or online help. If you choose not to accept cookies, some of our websites may not function properly or optimally. For example, you will not be able to access our secured websites which use cookies for layered security, fraud prevention or investigative purposes. Online Surveys and Links When you respond to an online survey question, we may use your answer or any opinions or information that you volunteer to improve our products or services. We may also use your response to develop, publish, share or otherwise disclose statistical or aggregated survey results. Based upon your response, we may provide you with information about products or services that may be of interest to you. On our websites, we may present web links which provide you with access to information, products or services offered on third party websites. Such third party websites may have different privacy or security policies than we do; we are not responsible for the privacy or security of such websites or the online collection, use or sharing of your information by third parties. You should review the privacy and security policies of any third party website before providing personally identifiable information. Senteri may participate in social media platforms, such as Facebook®, Twitter® and LinkedIn® that enable online sharing and collaboration among their users. Any information or other content you post on these platforms, such as pictures, opinions or personal information, is subject to the platforms’ terms of use and privacy policies; please refer to their policies to better understand your rights and obligations with regard to such content. Online Authentication When you obtain one of our products or services online, or register for one of our online services, you may be required to perform an online authentication process. Some of these processes utilize third party information services to verify your identity. The information that you provide for these purposes will be used for the sole purpose of verifying your identity, and will not affect your account. Our online

authentication processes may also use Flash cookies, JavaScript or online tags (e.g., encoded images) to identify the device or browser that you are using to access our site. These processes are used to protect both you and us from fraud and unauthorized transactions. Protecting Children's Online Privacy In accordance with the Children’s Online Privacy Protection Act, we do not knowingly collect, store, use or disclose personal information from children (i.e., persons under age 13). We do not accept applications directly from children, and will not send unsolicited promotions to users who indicate they are less than 13 years of age. Changes to Our Online Privacy Policy This policy describes our current online privacy practices, and is subject to change; please review it periodically. If we make changes to this policy, we will revise the "Effective/Revised" date shown at the top of the policy and post a link to the amended policy on our websites. The changes will become effective when we post the revised policy on our websites. Your use of any of our websites following such posting means that you accept the amended policy.