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Qapital is not a bank. Banking services provided by Lincoln Savings Bank, Member FDIC and other partner banks. Advisory services provided by Qapital Invest, LLC, an SEC-registered investment advisor. Brokerage services provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC.

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Qapital Online Privacy Policy

<h2>FACTS</h2><p>WHAT DOES QAPITAL DO WITH&nbsp;YOUR PERSONAL INFORMATION?</p><h3>Why?</h3><p>Financial companies choose how they share your personal information.&nbsp; Federal law gives consumers the right to limit some but not all sharing.&nbsp; Federal law also requires us to tell you how we collect, share, and protect your personal information.&nbsp; Please read this notice carefully to understand what we do.</p><h3>What?</h3><p>The types of personal information we collect and share depend on the product or service you have with us. This information can include:</p><ul><li>Savings information</li><li>Account balances and transactions</li><li>Checking account and debit card information</li></ul><h3>How?</h3><p>All financial companies need to share customers’ personal information to run their everyday business.&nbsp; In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Qapital chooses to share; and whether you can limit this sharing.</p><figure class="table"><table><tbody><tr><td colspan="3">Reasons we can share your personal information</td><td colspan="2">Does Qapital share?</td><td>Can you limit this sharing?</td></tr><tr><td colspan="3">For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus</td><td colspan="2">Yes</td><td>No</td></tr><tr><td colspan="3">For our marketing purposes – to offer our products and services to you</td><td colspan="2">Yes</td><td>No</td></tr><tr><td colspan="3">For joint marketing with other financial companies</td><td colspan="2">Yes</td><td>No</td></tr><tr><td colspan="3">For our affiliates’ everyday business purposes – information about your transactions and experiences</td><td colspan="2">Yes</td><td>No</td></tr><tr><td colspan="3">For our affiliates’ everyday business purposes – information about your creditworthiness</td><td colspan="2">Yes</td><td>Yes</td></tr><tr><td colspan="3">For our affiliates to market to you</td><td colspan="2">Yes</td><td>Yes</td></tr><tr><td colspan="3">For nonaffiliates to market to you</td><td colspan="2">Yes</td><td>Yes</td></tr></tbody></table></figure><h3>To limit our sharing</h3><p>Email us at <a href="mailto:support@qapital.com">support@qapital.com</a>.</p><p>Please note:</p><p>If you are a <i>new</i> customer, we can begin sharing your information 30&nbsp;days from the date we sent this notice.If you’re an <i>existing</i> customer and have opted out previously, you don’t need to update your privacy choices again.When you are <i>no longer</i> our customer, we continue to share your information as described in this notice.</p><p>However, you can contact us at any time to limit our sharing using the email address above.</p><h3>Questions?</h3><p>Email us at <a href="mailto:support@qapital.com">support@qapital.com</a>.</p><h2>Who we are</h2><h4>Who is providing this notice?</h4><p>Qapital, LLC, Qapital Invest, LLC, and any other entity in the Qapital company group (collectively, “Qapital”).</p><h3>What we do</h3><h4>How does Qapital protect my personal information?</h4><p>To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.These measures include computer safeguards and secured files and buildings.</p><h4>How does Qapital collect my personal information?</h4><p>We collect your personal information, for example, when you:</p><ul><li>Open a Qapital account</li><li>Set savings goals</li><li>Carry out a transaction (e.g., make an investment, apply for a debit card, fund your Qapital account)</li><li>Use your debit card</li></ul><p>We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.</p><h4>Why can’t I limit all sharing?</h4><p>Federal law gives you the right to limit only:</p><ul><li>sharing for affiliates’ everyday business purposes – information about your creditworthiness</li><li>affiliates from using your information to market to you</li><li>sharing for nonaffiliates to market to you</li></ul><p>State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.</p><h4>What happens when I limit sharing for an account I hold jointly with someone else?</h4><p>Your choices will apply to everyone on your account.</p><h2>Definitions</h2><h3>Affiliates</h3><p>Companies related by common ownership or control. They can be financial and nonfinancial companies.</p><ul><li><i>Our affiliates include Qapital Invest, LLC and any other entities of the Qapital group.</i></li></ul><h3>Nonaffiliates</h3><p>Companies not related by common ownership or control. They can be financial and nonfinancial companies.</p><ul><li><i>Nonaffiliates we share with can include technology partners, data processors or other service providers, advertisers, co-branded partners, and financial services companies and other financial institutions (e.g., banks).</i></li></ul><h3>Joint marketing</h3><p>A formal agreement between nonaffiliated financial companies that together market financial products or services to you.</p><ul><li><i>Our joint marketing partners include companies such as financial services companies and other financial institutions (e.g., banks).</i></li></ul><h2>Other important information</h2><p>For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.</p><p>For Vermont residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. We will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, unless you authorize us to make those disclosures.</p><p>Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.</p>

Qapital Consumer Privacy Notice

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<h3>Lincoln Savings Bank<br>Terms and Conditions</h3>

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<p>NO PURCHASE OR PAYMENT IS NECESSARY TO PARTICIPATE IN THIS PROMOTION. THIS PROMOTION IS VOID WHERE PROHIBITED OR RESTRICTED BY LAW OR WHERE BONDING, REGISTRATION, OR OTHER REQUIREMENTS WOULD BE REQUIRED BUT HAVE NOT BEEN MET, OR WHERE THE METHODS OF PARTICIPATION SET FORTH BELOW WOULD BE DEEMED CONSIDERATION. ALL APPLICABLE FEDERAL, STATE AND LOCAL LAWS APPLY.</p><p>The Qapital everyday referral bonus program offers a cash bonus (the “Everyday Referral Bonus”)&nbsp;to Qapital users referring first-time Qapital account holders (each such first-time accountholder a “Referred User”) and to each Referred User. The Everyday Referral Bonus amount will be determined from time to time and disclosed in the mobile app. The Everyday Referral Bonus will appear in the form of a deposit in your Qapital account.</p><p>The referring Qapital account holder and the Referred User will receive the Everyday Referral Bonus once the Referred User makes a deposit to a Qapital goal and the Referred User’s account has been open and in good standing for 45 days with a successful membership payment processed. Qapital will consider a Qapital goal account in good standing when it has a positive account balance of at least $20&nbsp;and an active, verifiable status.</p><p>To be eligible for the Everyday Referral Bonus, the people you refer must use your personal invitation code when they sign up. Employees of Qapital are not eligible for the Everyday Referral Bonus. An existing Qapital user cannot refer himself, herself, or any other account attributable to such existing Qapital user. The Everyday Referral Bonus amount is subject to change in Qapital’s sole discretion. Qapital reserves the right to modify, restrict, suspend, revoke, or terminate this referral bonus program or any Qapital user’s eligibility&nbsp;at any time.</p><p>Qapital, LLC provides, among other things, financial information to assist users in managing their finances and encouraging savings, through savings goals, savings rules, aggregation of financial data, a wallet view of income, expense and savings, and social goal sharing. Advisory services are offered by Qapital Invest LLC (“Qapital Invest”, together with Qapital, LLC “Qapital”). Qapital Invest is registered with the SEC as a Registered Investment Adviser. Brokerage services are provided to Qapital Invest clients by Apex Clearing Corporation, an SEC-registered broker-dealer and member FINRA/SIPC. Qapital is not a bank, nor is it a financial planner, broker or asset manager. The Qapital platform is merely a tool to assist you in your financial planning and decision-making. You are solely responsible for your savings, investment and spending decisions.</p>

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