Date of Last Revision: August 21, 2026

OUR POLICY

Welcome to HSI Finance (“we,” “us,” or “our”).

HSI Finance respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, process, disclose, retain, and protect information when you access or use:

• • hsifinancing.com;
• • HSI Finance websites and online portals;
• • HSI Finance-powered application and prequalification forms;
• • Links or QR codes provided by HSI Finance or participating merchants;
• • HSI Finance tools or services embedded in third-party websites;
• • Mobile websites and applications;
• • Financial-product matching and referral services; and
• • Other online content, tools, platforms, or services that link to this Privacy Policy

(collectively, the “Services”).

This Privacy Policy applies to individuals who visit or use the Services, including individuals who submit information to explore, prequalify for, apply for, or obtain information regarding financial products.

Please read this Privacy Policy carefully before providing personal information through the Services.

By using the Services or submitting information through them, you acknowledge the practices described in this Privacy Policy.

Where applicable law requires affirmative consent for particular collection, uses, disclosures, or communications, HSI Finance will obtain such consent separately.

This Privacy Policy should be read together with HSI Finance's Terms of Service and Electronic Consent (E-Consent).

HSI Finance operates a technology platform designed to connect consumers with potential financial products and independent third-party financial institutions and financial-service providers.

Information about you may be necessary to:

• • Provide the Services;
• • Identify potentially relevant financial products;
• • Match you with Financial Providers;
• • Process requests and applications;
• • Determine preliminary eligibility;
• • Verify identity;
• • Prevent fraud;
• • Communicate with you;
• • Improve our Services; and
• • Comply with applicable laws and regulatory obligations.

Our objective is to collect information reasonably related to these purposes and to use it in accordance with this Privacy Policy and applicable law.

HSI Finance provides financial-product information, technology, matching, referral, and related services.

HSI Finance is not a bank, lender, or credit card issuer and does not itself make credit decisions, establish underwriting standards, determine interest rates, issue loans or credit cards, or guarantee approval unless expressly disclosed otherwise in connection with a particular product.

Financial products available through the Services may be provided by independent third parties, including:

• • Banks;
• • Credit unions;
• • Lenders;
• • Credit card issuers;
• • Home-equity providers;
• • Business-financing providers;
• • Financial technology companies;
• • Non-bank financial institutions; and
• • Other financial-service providers

(collectively, “Financial Providers”).

If you apply for or obtain a financial product from a Financial Provider, your relationship with that provider is subject to that provider's own terms, agreements, disclosures, and privacy practices.

3. PERSONAL INFORMATION YOU PROVIDE

The information HSI Finance collects depends upon how you use the Services and the financial products you request.

You may provide information when you:

• • Complete an online form;
• • Request financial-product information;
• • Submit a prequalification request;
• • Submit an application;
• • Create an account;
• • Contact customer support;
• • Communicate with HSI Finance;
• • Participate in a survey;
• • Provide feedback; or
• • Otherwise interact with the Services.

Information we may collect includes the following.

Identity and Contact Information

This may include:

• • Full name;
• • Mailing address;
• • Residential address;
• • ZIP or postal code;
• • Email address;
• • Telephone number;
• • Date of birth; and
• • Other information used to identify or contact you.

Government and Identification Information

Depending upon the Service or financial product, this may include:

• • Social Security number;
• • Social Insurance Number;
• • Taxpayer identification information;
• • Government-issued identification information; and
• • Other information required for identity verification, fraud prevention, or financial-product processing.

HSI Finance will request sensitive identification information only where reasonably necessary for the Services being provided.

Financial and Credit-Related Information

Depending upon the financial product requested, information may include:

• • Estimated credit score or credit range;
• • Credit history information;
• • Income;
• • Employment status;
• • Employer information;
• • Housing status;
• • Homeownership or rental information;
• • Mortgage information;
• • Existing debt obligations;
• • Requested financing amount;
• • Intended use of financing;
• • Banking or financial-account information where necessary;
• • Debt-to-income information; and
• • Other financial information relevant to a Financial Provider's eligibility requirements.

Account Information

If you create an HSI Finance account or use a login-enabled portion of the Services, we may collect:

• • Username;
• • Email address;
• • Account identifiers;
• • Authentication information; and
• • Other account-related information.

Passwords should be stored using appropriate security safeguards and should never be shared with HSI Finance employees or third parties except through authorized authentication systems.

Communications and Support

If you contact HSI Finance, we may collect:

• • Your name;
• • Email address;
• • Telephone number;
• • Correspondence;
• • Support requests;
• • Complaints;
• • Feedback; and
• • Other information you voluntarily provide.

Surveys and Feedback

If you voluntarily participate in a survey or provide feedback, we may collect your responses and use them to:

• • Improve the Services;
• • Evaluate user experience;
• • Understand consumer preferences;
• • Develop new services; and
• • Conduct legitimate marketing and business analysis.

Other Information

We may collect additional information disclosed to you at or before the time of collection where reasonably necessary to provide the Services.

When you visit or interact with the Services, certain information may be collected automatically from your browser, computer, smartphone, tablet, or other device.

This information may include:

IP Address

We may collect your Internet Protocol (“IP”) address.

IP address information may be used to:

4.3 Multiple Applications

If you apply for multiple credit cards, each application will result in a separate hard credit inquiry from that Card Issuer. You should carefully consider the potential impact on your credit score before submitting multiple applications.

5.1 Credit Freeze

A credit freeze (also known as a security freeze) restricts access to your credit report. If you have a credit freeze in place with any of the three major credit bureaus (Equifax, Experian, or TransUnion), please be aware of the following:

• (a) Pre-Screen: To obtain pre-qualified recommendations through our Service, you must temporarily lift (unfreeze) your credit freeze with the credit bureau we use for pre-qualification purposes. We will notify you which bureau is used during the pre-screen process.
• (b) Application: If you proceed to apply for a credit card, you may need to temporarily lift your credit freeze with ALL THREE major credit bureaus (Equifax, Experian, and TransUnion), as different Card Issuers may pull credit reports from different bureaus. Failure to lift applicable freezes may result in your application being denied.

5.2 Credit Lock

A credit lock is similar to a credit freeze but is typically managed through a credit bureau’s app or online portal and may be unlocked more quickly. If you have a credit lock in place, the same requirements apply: you must unlock your credit file with the applicable bureau(s) before pre-screening and/or applying for credit cards. Please check with each credit bureau regarding their specific procedures for unlocking your credit file.

You are solely responsible for managing your credit freeze or credit lock settings. Revolver Now is not responsible for application denials resulting from frozen or locked credit files.

CREDIT CARD APPROVAL IS NOT GUARANTEED: Pre-qualification or pre-screening through the Service does not guarantee that you will be approved for any credit card. Pre-qualification indicates that, based on preliminary information, you may meet certain criteria for a credit card product; however, the Card Issuer’s final decision is based on a complete review of your credit application, credit history, income verification, and other factors determined solely by the Card Issuer.

Factors that may result in denial of a credit card application include, but are not limited to:

• • Insufficient credit history or credit score
• • Income or employment verification issues
• • Existing relationship (or lack thereof) with the Card Issuer
• • Recent credit inquiries or new account openings
• • Outstanding derogatory marks, collections, or bankruptcies
• • Card Issuer’s internal underwriting criteria and risk assessment
• • Fraud prevention measures or identity verification failures

CREDIT LIMIT AMOUNTS ARE NOT GUARANTEED: The credit limit you receive upon approval is determined solely by the Card Issuer based on their assessment of your creditworthiness, income, existing debt obligations, and other proprietary factors. Any credit limit estimates, ranges, or examples provided through the Service are for illustrative purposes only and do not constitute a promise, guarantee, or commitment regarding the credit limit you will receive.

Credit limits may be higher or lower than anticipated and may be adjusted by the Card Issuer at any time after account opening, in accordance with the credit card agreement and applicable law.

CREDIT CARD TERMS, CONDITIONS, RATES, AND FEES ARE SUBJECT TO CHANGE. The credit card information displayed through the Service, including but not limited to annual percentage rates (APRs), annual fees, rewards programs, introductory offers, and other terms, is provided for informational purposes and is subject to change at any time by the Card Issuer without notice to Revolver Now.

Before applying for any credit card, you should verify the current terms and conditions directly with the Card Issuer. The terms you receive upon approval will be governed by the credit card agreement provided by the Card Issuer, which may differ from the information displayed on our Service. Always review the complete terms and conditions provided by the Card Issuer before accepting any credit card offer.

  9.1 No Guarantee of Instant Access

INSTANT ACCESS TO A CREDIT CARD NUMBER IS NOT GUARANTEED. While Revolver Now recommends credit cards that typically offer instant or virtual card numbers upon approval, whether you receive instant access depends on factors determined by the Card Issuer, including identity verification, fraud prevention protocols, application timing, and system availability. Some approved applicants may be required to wait for their physical card to arrive before using their account.

9.2 Additional App or Software Requirements

INSTANT ACCESS MAY REQUIRE DOWNLOADING ADDITIONAL APPLICATIONS. To access your virtual card number or add your card to a digital wallet, you may be required to download and install the Card Issuer’s mobile application or other software. This may include, but is not limited to, banking apps, digital wallet apps (such as Apple Wallet or Google Wallet), or Card Issuer-specific applications. You are responsible for ensuring your device is compatible with any required applications and for completing any additional verification steps required by the Card Issuer.

9.3 Spending Limits Before Physical Card Activation

YOUR AVAILABLE SPENDING LIMIT MAY BE RESTRICTED UNTIL YOU RECEIVE AND ACTIVATE YOUR PHYSICAL CARD. Even if you receive instant access to a virtual card number, some Card Issuers impose temporary spending restrictions until you activate your physical card. These restrictions are determined by the Card Issuer and may include:

• • A reduced spending limit (for example, you may only be able to access a portion of your approved credit limit, such as $300 of a $1,000 limit)
• • Restrictions on the types of purchases allowed
• • Limitations on where the virtual card can be used (for example, some co-branded cards may only be usable at the partner merchant initially)
• • Transaction amount limits per purchase

You should verify any spending restrictions directly with the Card Issuer before relying on instant access for a specific purchase. Revolver Now is not responsible for any inconvenience or inability to complete a transaction due to Card Issuer-imposed spending restrictions.

By using the Service, you represent and warrant that:

• (a) All information you provide is true, accurate, complete, and current;
• (b) You are providing information about yourself and not impersonating another person;
• (c) You have the authority to provide any business information submitted;
• (d) You will use any credit cards obtained through the Service in accordance with applicable laws and the Card Issuer’s terms and conditions;
• (e) You understand and accept the risks associated with credit inquiries, credit card applications, and the use of credit generally.

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

You acknowledge that in order to provide the Service, we must share certain personal and financial information with credit bureaus, Card Issuers, and other third parties involved in the credit card application process.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REVOLVER NOW DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Revolver Now does not warrant that:

• (a) You will be approved for any credit card;
• (b) You will receive any particular credit limit;
• (c) You will receive instant access to any credit card;
• (d) Credit card information displayed is accurate, complete, or current;
• (e) The Service will meet your specific requirements or expectations;

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL REVOLVER NOW, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• (a) Your use of or inability to use the Service;
• (b) Any denial of a credit card application;
• (c) Any credit limit received or not received;
• (d) Any inability to access instant card features;
• (e) Any impact on your credit score from credit inquiries;
• (f) Any changes to credit card terms by Card Issuers;
• (g) Any actions or decisions of Card Issuers or credit bureaus.

You agree to indemnify, defend, and hold harmless Revolver Now and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you provide through the Service; or (e) your use of any credit card obtained through the Service.

TThe Service may contain links to third-party websites, applications, or services, including Card Issuer websites and application portals. Revolver Now does not control and is not responsible for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are governed by those third parties’ terms and policies.

Revolver Now reserves the right to modify these Terms at any time. We will provide notice of material changes by updating the “Last Updated” date at the top of these Terms and, where appropriate, providing additional notice. Your continued use of the Service after any modifications indicates your acceptance of the modified Terms.

Revolver Now may suspend or terminate your access to the Service at any time, for any reason, without prior notice. Upon termination, all rights granted to you under these Terms will immediately cease.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Revolver Now regarding the Service.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Waiver: No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

Assignment: You may not assign or transfer these Terms without Revolver Now’s prior written consent. Revolver Now may assign these Terms without restriction.

If you have any questions about these Terms, please contact us at:

Revolver Now via HSI Finance

Email: financing@aureonfinancial.com

Address: 4700 Millenia Blvd Suite 500 Orlando FL 32839

BY USING THE REVOLVER NOW SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.