Effective Date: February 10, 2026

Southstar Financial Inc (“Southstar,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide when interacting with our website, services, and financing products. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with applicable U.S. federal and state laws.

1. Information We Collect

We may collect the following categories of information:

Personal Information

Name, address, email address, phone number

Date of birth

Government-issued identification (where required)

Information provided during a financing application

Financial and Transaction Information

Purchase and transaction details

Payment history related to financing agreements

Application and approval status

Technical and Usage Information

IP address

Browser type and device information

Website usage data and cookies

Communications

Customer service inquiries

SMS, email, or other communications you initiate or consent to receive

2. How We Use Your Information

We use collected information to:

Evaluate and process point-of-sale financing applications

Provide and administer financing related to approved product purchases

Communicate with you regarding your application, account, or transaction

Comply with legal, regulatory, and licensing requirements

Prevent fraud, unauthorized activity, or misuse

Improve our services, website functionality, and customer experience

We do not sell personal information to third parties.

3. Financing Availability and State Licensing

Southstar Financial Inc offers financing only in states where it is properly licensed, registered, or otherwise authorized to operate. While we may collect inquiries or expressions of interest nationwide, financing will only be offered or extended in jurisdictions where regulatory approvals have been fully obtained at the time of application.

4. Information Sharing and Disclosure

We may share information only as permitted or required by law, including:

With merchant partners solely to facilitate a specific product transaction

With service providers who perform services on our behalf (e.g., payment processing, identity verification, compliance support)

With regulatory agencies, auditors, or legal authorities as required

To protect the rights, property, or safety of Southstar Financial Inc, our customers, or others

All third parties are required to maintain confidentiality and security standards consistent with this Privacy Policy.

5. SMS and Communication Consent

If you opt in to receive SMS or other electronic communications, Southstar Financial Inc may send informational or service-related messages, including application updates or account notices.

Message frequency may vary

Message and data rates may apply

You may opt out at any time by replying STOP

Consent to receive communications is not a condition of financing approval.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

Improve website performance

Understand user behavior

Enhance security and usability

You may control cookie preferences through your browser settings; however, disabling cookies may affect site functionality.

7. Data Security

Southstar Financial Inc uses commercially reasonable administrative, technical, and physical safeguards to protect personal information. While we strive to protect your data, no method of electronic transmission or storage can be guaranteed to be 100% secure.

8. Data Retention

We retain personal information only as long as necessary to:

Fulfill the purposes outlined in this Privacy Policy

Comply with legal, regulatory, and record-keeping requirements

Resolve disputes and enforce agreements

9. Your Privacy Rights

Depending on your state of residence, you may have rights to:

Access your personal information

Request correction of inaccurate data

Request deletion of certain information, subject to legal obligations

Opt out of certain communications

Requests may be subject to identity verification and applicable legal limitations.

Mobile Information Sharing Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All text messaging originator opt-in data and consent information will not be shared with any third parties, excluding aggregators and providers of the text message services necessary to deliver SMS communications.

10. Third-Party Websites

Our website may contain links to third-party sites, including merchant partners. Southstar Financial Inc is not responsible for the privacy practices or content of third-party websites.

11. Children’s Privacy

Southstar Financial Inc does not knowingly collect personal information from individuals under the age of 18. Financing products are intended for adults only.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on this page with a revised effective date. Continued use of our services constitutes acceptance of the updated policy.

13. Contact Information

For questions about this Privacy Policy or our data practices, please contact:

Southstar Financial Inc at +1 984-205-4866