Privacy Policy

Effective: 5/11/2026. Last Updated: 5/11/2026.

This GLBA Privacy Notice (the “Notice”) describes how Careerist Inc. (“Careerist,” “we,” “us,” or “our”) collects, uses, shares, and protects nonpublic personal information about consumers and customers in connection with financial products or services we offer or facilitate, including any installment plan, retail installment contract, or other deferred-payment or credit arrangement (“Financial Products”).

This Notice is provided in accordance with the federal Gramm-Leach-Bliley Act (15 U.S.C. §§ 6801–6809) and its implementing regulations, including the Consumer Financial Protection Bureau’s Regulation P (12 C.F.R. Part 1016) and the Federal Trade Commission’s Standards for Safeguarding Customer Information (16 C.F.R. Part 314, the “Safeguards Rule”).

This Notice applies only to the financial information described below. Our general data-processing practices, including in connection with educational services, the website, and marketing, are described in our Privacy Policy. In the event of any conflict between this Notice and the Privacy Policy with respect to nonpublic personal information covered by GLBA, this Notice controls.

1. Why we are providing this Notice

Federal law requires financial institutions to tell you how they collect, share, and protect your personal information. This Notice explains what we do.

2. Information we collect

The categories of nonpublic personal information (“NPI”) we may collect about you when you apply for or use a Financial Product include:

• Information you provide on applications or enrollment forms (such as your name, address, telephone number, email address, date of birth, Social Security number, and government-issued identification);
• Information about your transactions with us or others (such as account balances, payment history, amount financed, and payment due dates);
• Information you provide about your employment, income, education, and career goals (where relevant to the Financial Product);

For clarity, your education and career-progress information is treated as NPI under this Notice only when and to the extent it is collected, processed, used, or shared in connection with a Financial Product (e.g., to determine eligibility for installment financing). When the same information is collected, processed, or used solely for educational service delivery, our Privacy Policy applies.

• Information from consumer reporting agencies or other third-party verification sources (such as credit history or identity verification, where applicable); and
• Information collected automatically when you access account-related features online (such as device identifiers and login activity).

3. How we use and share your information

All financial institutions need to share customers’ nonpublic personal information to run their everyday business. The table below summarizes the reasons we may share your NPI, whether we share it, and whether you can limit that sharing.

Reasons we can share your nonpublic personal information:

• For our everyday business purposes — such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus — Do we share: Yes; Can you limit: No.
• For our marketing purposes — to offer our products and services to you — Do we share: Yes; Can you limit: No.
• For joint marketing with other financial companies — Do we share: No; Can you limit: We do not share.
• For our affiliates’ everyday business purposes — information about your transactions and experiences — Do we share: No; Can you limit: We do not share.
• For our affiliates’ everyday business purposes — information about your creditworthiness — Do we share: No; Can you limit: We do not share.
• For our affiliates to market to you — Do we share: No; Can you limit: We do not share.
• For nonaffiliates to market to you — Do we share: No; Can you limit: We do not share.

If you have an existing customer relationship with one of our service providers or financing partners, that party may have its own privacy notice describing its information-sharing practices. We encourage you to review it.

4. Your right to limit our sharing

Federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes — information about your creditworthiness;
• Affiliates from using your information to market to you; and
• Sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. See “Other important information” below.

Because we currently do not share your NPI for any of the categories listed in Section 3 that would be subject to opt-out, no opt-out is required at this time. If our sharing practices change, we will notify you and provide you with an opportunity to opt out before any new sharing occurs, in accordance with applicable law.

5. How we protect your information

We implement administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of your nonpublic personal information, appropriate to our size and complexity, the nature and scope of our activities, and the sensitivity of the information involved.

We retain NPI no longer than necessary to provide Financial Products, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.

6. Who we are

This Notice is provided by Careerist Inc., 680 S Cache Street, Suite 100-8790, Jackson, WY 83001. For questions about this Notice or our information practices, contact us at [email protected].

7. Definitions

Affiliates: companies related by common ownership or control. They can be financial and nonfinancial companies. Careerist may have affiliates from time to time; if so, we will identify them on our website.

Nonaffiliates: companies not related by common ownership or control. They can be financial and nonfinancial companies. We do not share NPI with nonaffiliates so they can market to you, except as permitted by applicable law.

Joint marketing: a formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not engage in joint marketing of NPI at this time.

Nonpublic personal information (NPI): personally identifiable financial information that we collect in connection with providing a financial product or service, and any list, description, or grouping of consumers derived from such information. NPI does not include information that is lawfully made publicly available.

8. Other important information

California residents (Cal. Fin. Code §§ 4050–4060, “CalFIPA”). CalFIPA requires your affirmative written or electronic opt-in consent before we share your NPI with most nonaffiliated third parties for marketing or other purposes — this differs from the federal opt-out framework described in Section 4. Currently, we do not share your NPI with nonaffiliated third parties for marketing purposes. If we ever begin such sharing, we will provide you with a separate CalFIPA opt-in notice and will not share your NPI until you affirmatively consent. The federal opt-out mechanism described in Section 4 does not apply to nonaffiliate sharing for California residents to the extent CalFIPA’s opt-in standard governs.

California Consumer Privacy Act (“CCPA”). The CCPA exempts NPI collected, processed, or shared pursuant to GLBA from most CCPA rights (Cal. Civ. Code § 1798.145(e)). Your CCPA rights — including the rights to know, delete, correct, and limit use — apply to all other personal information we collect about you. See our Privacy Policy, Section 10, for instructions on exercising those rights.Vermont residents. We will not share information about your creditworthiness with our affiliates, and we will not share information with nonaffiliates that they may use to market to you, without your authorization.

Nevada residents. We are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call list by contacting us at [email protected]. For more information, contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 100 N. Carson Street, Carson City, NV 89701; (775) 684-1100; [email protected].

9. Changes to this Notice

We may revise this Notice from time to time. If we make material changes, we will notify you in accordance with applicable law and post the revised Notice on our website with an updated “Last Updated” date. For changes that affect your rights to limit sharing under Section 4 or applicable state law, we will not share your NPI under the new practices until any required opt-out or opt-in period under federal or state law has expired. Where applicable law requires direct delivery of a revised notice (see, e.g., 12 C.F.R. § 1016.9), we will notify you by email at the address on file or by other means reasonably designed to ensure actual notice; posting on our website alone does not constitute such notice. Any dispute arising under this Notice shall be resolved pursuant to the dispute resolution provisions of our Terms of Service.

10. Contact us

If you have any questions about this Notice, our information practices, or your rights under GLBA, please contact us at:

Careerist Inc.

680 S Cache Street, Suite 100-8790

Jackson, WY 83001

Email: [email protected]