PRIVACY POLICY

This Privacy Policy explains how Mosaic Financial Ltd., our related companies, our partners, our affiliates, and our contractors, (collectively, "MEX", "us" or "we") collect and protect your personal information. If you have any questions that this policy does not address, please contact us through this website.

As explained below, we collect information from you in various ways when you interact with our products and services, including this website. By using our products and services, including this website, you consent to our collection and use of information as explained in this Notice. Please note that if you choose to invest in any offering or participate in any opportunity described through our products and services, including this website, you may be required to engage in separate agreements, including, but not limited to, new or additional privacy notices or terms of use.

We collect non-personally identifiable information from you regarding your usage of our website ("Non-Personally Identifiable Information"). Non-Personally Identifiable Information may include, without limitation, website pages viewed, articles, presentation and videos viewed, time spent using certain features of the website, demographic data such as server locations, cookies existing on your computer, search criteria used and results, date, time, connection speed, and other information which does not specifically identify you. We collect this information using various technologies, including, but not limited to, cookies and server logs. "Cookies" are pieces of information that may be placed on your computer by a website for facilitating and enhancing your communication and interaction with that website. "Server logs" can be either a single log file or several log files automatically created and maintained by a server of activity performed by the server, which can include information about any transaction you conduct with the server.

We also collect information from you when you sign up for an account, make an investment, participate in an opportunity through us, verify your identity or accredited investor status, provide payment instructions or send us an email through our website or websites which may enable us to identify you personally, such as your email address, name, phone number, birthday, age, taxpayer identification number, investment objectives, investment experience, assets and income, information from your transactions with us, such as your account balance and account usage, information obtained from others, such as credit reporting agencies, physical address such as home or business address, or internet protocol ("IP") address, which may also be contained on server logs, or other information you provide or upload to the website such as photographs, answers to questionnaires or surveys, or responses filled in on blank forms made available on the site. ("Personally, Identifiable Information" and collectively with the Non-Personally Identifiable Information, the "Data")). We may also collect and store information, which could include Non-Personally Identifiable Information or Personally Identifiable Information, locally on your computer or device using mechanisms such as browser web storage or application data caches.

We use analytics programs and service providers, such as Google Analytics, which can use first party cookies to report on your interactions with MEX websites. Google Analytics collects information including, but not limited to, the time of each of your visits to MEX websites, whether you have visited MEX websites before, what site referred you to MEX websites, and what pages you viewed on MEX websites.

We may also have access to your Personally Identifiable Information when you log into our websites through certain third-party social networking services, including LinkedIn ("Third Party Services"). We encourage you to carefully review the privacy policies of any Third-Party Services from which you access our websites.

This Privacy Policy does not cover the collection of information by cookies or other methods by third-parties, such as our business partners. We do not control how such third-parties collect information or by what means as such third-parties may use their own cookies to collect information about you. 

We will use information you provide consistent with this Notice. We will use information you provide to us, including Non-Personally Identifiable Information or Personally Identifiable Information, to better serve you and enhance your experience with MEX websites, among other things. This may include having to modify or copy such information, such as images or textual or narrative content you provide, to provide you with a seamless and enjoyable experience.

Toward these ends, you consent to our use and disclosure of any information submitted to us via MEX websites, or information collected when you access MEX websites in any manner, and you acknowledge that you have no expectation of privacy, confidentiality or privilege in such information.

We will use Non-Personally Identifiable Information and Personally Identifiable Information (1) to direct our products and services to you, (2) to provide services and products requested by you, (3) to enable our vendors and contractors to provide and assist us in the  operation, troubleshooting and analysis of our website and other services, (4) to meet any regulatory requirements for the offer or sale of securities required by law, rules or regulations to our affiliates or members, (5) to engage in any other lawful activities we believe are consistent with the foregoing, and (6) to protect against legal liability. We may provide any of these services through third-parties, which may necessitate sharing Personally Identifiable Information and Non-Personally Identifiable Information with them.

If you provide Data for a certain reason, we may use the Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Data you provide to answer your question or resolve your problem. We may also use your Data and other personally non-identifiable information collected through our website to help us improve the content and functionality of our website, to better understand our users and to improve our services. We may use this information to communicate with you regarding our services or to tell you about services we believe will be of interest to you. If at any time you wish not to receive any future communications, or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note however that as user of our services we will send you administrative communications that are reasonably necessary to our services, such as billing or service notifications.

We may make your information, including Non-Personally Identifiable Information or Personally Identifiable Information, available on websites and visible to other users of or visitors to the MEX website. For instance, subject to certain preferences and permissions as to visibility you will be allowed to make, information you provide about yourself in response to questionnaires on our site may be made available to others such as information concerning your status as an accredited investor. As such, other users of our website may be able to personally identify you based on your information made available on our site. As a further example, if you utilize Third-Party Services to log into our website, other users to whom you may be connected to through such Third-Party Service may be able to view or follow information about you on our website, including Non-Personally Identifiable Information or Personally Identifiable Information.

We employ or contract with other third-parties, companies, or individuals to perform certain functions or services on its behalf. Examples of these services from such third-parties, companies, or individuals, may include ID verification, accreditation/financial/credit verification, electronic document signing, payment storing and processing, sending postal mail and e-mail, escrow services, disbursement of funds, analyzing data, providing marketing assistance, and providing customer service. As such, these third-parties, companies, or individuals may have access to your information, including Non-Personally Identifiable Information or Personally Identifiable Information, as needed to perform their functions or services, and may not use it for other purposes.

We may also use and disclose Personally Identifiable Information and Non-Personally Identifiable Information: to investigate and help prevent potentially unlawful activity or activities; to protect and defend our rights or property or the rights or property of others; as required by courts or administrative agencies; and in connection with a financing, sale, merger, or reorganization of Mosaic Financial (Canada) Ltd.'s business or assets. Any successor in interest to our business would acquire the information we maintain, including Personally Identifiable Information, and may alter the terms of this Privacy Notice.

We might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Data may be part of the transferred assets and you may not be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information. We may also share your Data with our affiliates for purposes consistent with this Privacy Policy.

We may disclose your Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property , (iii) act in urgent circumstances to protect the personal safety of users of the website or the public against fraud or other harm, or (iv) protect against legal liability.

We do not and will not sell any of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to any third-party for purposes of advertising, soliciting, or telemarketing.

The MEX websites contain links to other websites and services not maintained by MEX. In addition, other websites and services may also reference or link to the MEX website. We encourage you to be aware when you enter or leave our website, or surf the Internet, and to read the privacy statements of each website and service that you visit. We do not endorse, screen, or approve, and are not responsible for the privacy practices or the content of, other websites or services.

MEX websites permit users to communicate with persons posting information on the websites. We may read, collect and analyze information transmitted between users for purposes including, but not limited to regulatory compliance and marketing. We do not guarantee that information provided by website users, visitors, or investors is accurate or complete. We assume no liability or responsibility for any errors or omissions in the content of its websites.

This Privacy Policy does not apply to any Data collected by us other than Data collected through the websites. This Privacy Policy shall not apply to any unsolicited information you provide to us through our websites or through any other means. This includes, but is not limited to, information posted to any public areas of the websites, such as bulletin boards (collectively, "Public Areas"), any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, "Unsolicited Information"). All Unsolicited Information shall be deemed to be non-confidential and we shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.

We may at times send you e-mail communications with marketing or promotional materials. If you prefer not to receive such marketing or promotional e-mails from us, you may unsubscribe completely by advising us through the MEX website.  Please note that opt-out requests may take up to one (1) week to process. Please also note that at times we may need to send you e-mail communications that are transactional in nature such as service or termination announcements or payment confirmations which are communications you will not be able to opt-out of.

You will be able to modify the information concerning your account by visiting your profile pages and editing any information you wish to change. You will be able to change your e-mail address, password, contact information, or other log in information by visiting your account's settings page subject to site policy. If you wish to delete your account or need help modifying account information, please contact us through the MEX website.

Through your account settings you may be able to set certain preferences and permissions regarding the visibility of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to others. You may stop or restrict the placement of MEX' cookies and third-party cookies on your computer by adjusting your web browser preferences or a "Do Not Track" setting in your web browser. If you do so, you may still use our website, but this may interfere with some of its functionality.

If you would like us to remove your Personally Identifiable Information from our database, please contact us through the MEX website.

We are not responsible for removing your Personally Identifiable Information from the lists of any third-party who has previously been provided your information in accordance with this notice.

We use commercially reasonable efforts to secure access to Personally Identifiable Information in our possession, including encryption commonly employed by financial institutions, support instant identification and account verifications to ensure that you have a safe experience on MEX websites, but will not be liable for any failure to safeguard such information, whether inadvertent or otherwise. Personally Identifiable Information is also stored with third parties who have informed us that they also use commercially reasonable efforts to secure access to Personally Identifiable Information, but we will not be liable for the failure of any third-party to safeguard Personally Identifiable Information, whether inadvertent or otherwise.

We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. Wherever appropriate, we obfuscate and/or encrypt information in our systems and/or during information transfer. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.

We utilize third-party service providers who may store on their servers tax identification numbers, addresses, financial information, electronic signatures, and payment information. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to log off when finished using a shared computer.

We reserve the right, in our sole discretion, to change, modify, add, or remove portions of this notice at any time. Any changes or updates will be effective immediately upon posting to the web site and sending a notification to all registered users via email regarding such update. You should review this notice regularly for changes and can determine if changes have been made by checking the Effective Date below. Your continued use of our website following the posting of any changes to this notice means you accept such changes.

MEX websites are maintained in multiple jurisdictions including The Bahamas, Canada, and the United States. By accessing MEX websites, you consent to and authorize the export of Personally Identifiable Information to any jurisdiction in which MEX conducts business and its storage and use as specified in this Privacy Notice.

This Privacy Notice shall be governed by, construed and entered in accordance with the laws of The Bahamas applicable to contracts deemed to be made within the nation, without regard to choice of law or conflict of law provisions thereof. All disputes with respect to this Privacy Notice shall be governed by our Agreement. YOU HEREBY WAIVE YOUR RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY CLAIM, ACTION OR PROCEEDING, DIRECTLY OR INDIRECTLY, ARISING OUT OF, OR RELATING TO, THIS AGREEMENT TO THE FULLEST EXTENT PERMITTED BY LAW.

This Privacy Notice was last updated on February 28, 2024.