FCI Reit

PRIVACY POLICY

Introduction and Overview.

This Privacy Policy (the “Privacy Policy”) provides a comprehensive description of how FCI REIT. ( “FCI,”,"FCI REIT" “we,” “our,” or “us”) collects, uses, and shares information about you in connection with the website at https://fci.io (the “Site”), as well as your rights and choices regarding such information. These terms apply to the Site and any other online location that links to this Privacy Policy (collectively, the “Services”).

By accessing or using the Site, you agree to our Terms of Service (the “Terms”) and understand that the Terms represent a binding agreement between you and us. By using the Services, you also agree to our collection, use, and disclosure practices, as well as any other activities described in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, you should immediately discontinue the use of the Services and refrain from accessing the Site.

Changes to Privacy Policy.

We reserve the right to revise and reissue this Privacy Policy at any time. Any changes will be effective immediately upon our posting of the revised Privacy Policy. For the avoidance of doubt, your continued use of the Services indicates your consent to the revised Privacy Policy then posted.

INFORMATION COLLECTION

Information You Provide.

We may collect the following information about you when you use the Services:
Content, within any messages you send to us (such as feedback and questions to information support).You may choose to voluntarily provide other information to us that we have not solicited from you, and, in such instances, you are solely responsible for such information.

Use of Information.

We do not anticipate using, but we may collect and use, information for business purposes in accordance with the practices described in this Privacy Policy. Our business purposes for collecting and using information include:Operating and managing the Services; performing services requested by you, such as responding to your comments, questions, and requests, and providing information support; sending you technical notices, updates, security alerts, information regarding changes to our policies, and support and administrative messages; detecting, preventing, and addressing fraud, breach of Terms, and threats, or harm; and compliance with legal and regulatory requirements.Protecting the security and integrity of the Services; improving the Services and other websites, apps, products and services; conducting promotions, such as hack-a-thons, including to verify your eligibility and deliver prizes in connection with your entries; and fulfilling any other business purpose, with notice to you and your consent.Notwithstanding the above, we may use information that does not identify you (including information that has been aggregated or de-identified) for any purpose except as prohibited by applicable law. For information on your rights and choices with respect to how we use information about you, please see the “Your Rights and Choices” section below.

Sharing & Disclosure of Information.

If share or disclose information that we collect, we do so in accordance with the practices described in this Privacy Policy. The categories of parties with whom we may share information include:

Affiliates. We share information with our affiliates and related entities, including where they act as our service providers or for their own internal purposes.

Service Providers. We share information with third-party service providers for business purposes, including fraud detection and prevention, security threat detection, payment processing, customer support, data analytics, information technology, storage, and transaction monitoring. Any information shared with such service providers is subject to the terms of this Privacy Policy. All service providers that we engage with are restricted to only utilizing the information on our behalf and in accordance with our instructions.

Professional Advisors. We share information with our professional advisors for the purposes of audits and compliance with our legal obligations.

Merger or Acquisition. We share information in connection with, or during negotiations of, any proposed or actual merger, purchase, sale or any other type of acquisition or business combination of all or any portion of our assets, or transfer of all or a portion of our business to another business.

Security and Compelled Disclosure. We share information to comply with the law or other legal process, and where required, in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

Facilitating Requests. We may share information about you at your request or direction.

Consent. We may share information about you with your consent.

Notwithstanding the above, we may share information that does not identify you (including information that has been aggregated or de-identified) except as prohibited by applicable law.

Other Parties.

We may integrate technologies operated or controlled by other parties into parts of the Services. For example, the Services may include links that hyperlink to websites, platforms, and other services not operated or controlled by us.Please note that when you interact with other parties, including when you leave the Site, those parties may independently collect information about you and solicit information from you. The information collected and stored by those parties remains subject to their own policies and practices, including what information they share with us, your rights and choices on their services and devices, and whether they store information in the U.S. or elsewhere. We encourage you to familiarize yourself with and consult their privacy policies and terms of use.

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect, and share depend on the product or service you have with us. This information can include:

Social Security number and income

Checking account information and account balances

Mortgage rates and payment history

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons FCI Lender Services (FCI) chooses to share; and whether you can limit this sharing.

WHO IS PROVIDING THIS NOTICE? FCI REIT (FCI)

How does FCI protect my personal information?

To protect your personal information from unauthorized access and use, use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Please be advised that FCI does not sell personal information regarding current or former customers or their accounts.

How does FCI collect my personal information?

We collect your personal information, for example, when you

Give us your contact information or provide account information.

Provide your mortgage information and pay us by check.

Provide your government-issued ID.

We also collect your personal information from other companies, such as mortgage brokers and lenders.

Why can’t I limit all sharing?

Federal law gives you the right to limit only.

Sharing for affiliates’ everyday purposes – information about your creditworthiness.

Affiliates from using your information to market to you.

Sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

FCI has no affiliates.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

FCI doesn't share with nonaffiliated companies so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

FCI doesn't jointly market.

OTHER IMPORTANT INFORMATION

State Laws

You may have additional privacy protection under applicable laws in the state where you reside.

Credit Reporting

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Data Security

We implement and maintain reasonable administrative, physical, and technical security safeguards to help protect information about you from loss, theft, misuse, unauthorized access, disclosure, alteration, and destruction. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of information about you.

Your Data Subject Rights

We cannot edit or delete information that is stored on a blockchain. This information may include transaction data (i.e., purchases, sales, and transfers) related to your blockchain wallet address and any cNFTs held by your wallet address.