(Last updated November 2025)

This Privacy Policy describes the types of information that SJF Ventures and its affiliates (“SJF,” “we” or “us”) collects on the Sites, how we use such information and to whom and under what circumstances we may disclose it. This Privacy Policy applies to our website (https://www.SJFVentures.com), our investor portal (located here), our mobile sites, our use of social media sites (collectively, the “Sites”) and any other personal information obtained when you call, email or otherwise communicate with SJF.  By accessing the Sites on any computer, mobile phone, tablet, or other device (collectively, “Device”) or otherwise interacting with SJF, you agree to the terms of this Privacy Policy. If you do not agree to the policy, please do not use the Sites.

We may modify this Privacy Policy at any time and will post the current version on the Sites. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.

Information That You Give Us
We collect personal information from you when you submit it to us, including by: (1) registering on the Sites; (2) signing up for our newsletter or other social media; (3) contacting us; (4) participating in a Site promotion or survey; or (5) generally using the Sites. This information may include, for example, your name, email address, username, password, mailing address, billing address, telephone number, date of birth, or other contact details you may provide to us when you register or update an account, sign up for email communications, or join our mailing list. We may also collect payment information such as bank account information and numbers or other financial information you share. We may combine the information we collect from you with information we receive about you from other sources, such as address update services.

Among the information we may collect from you, the following types of information are characterized as “Sensitive Personal Information”: your social security number, driver’s license, and state identification card numbers; precise geolocation (if you permit us to obtain your precise geolocation); your racial and ethnic origin; your biometric data; the combination of your email address, financial account, debit card or credit card with security or access code, password or other credentials allowing access to your account.

In some jurisdictions, individuals may have the right to opt-in or withdraw consent for certain uses of your personal information, including your Sensitive Personal Information. If you reside in such jurisdictions, you may have additional rights which are detailed below: see “Your Data Privacy Rights.”

Information We Collect Automatically
When you visit the Sites, we may collect certain information from you, including your Internet Protocol (IP) address, MAC address, browser type, operating system, device-identifying information, the specific web pages visited during your connection, and the domain name from which you accessed the Sites. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Sites, the areas or pages of the Sites that you visit, the amount of time you spend viewing the Sites, the number of times you return to the Sites, keystrokes typed, movement of the mouse or pointer, and other clickstream data. We may also use non-personal or aggregated information for statistical analysis, research, and other purposes.

Like many commercial websites, we analyze how visitors use our Sites through what is known as “cookie” or similar tracking technology. A cookie is a small text file that is placed on your computer when you access the Sites and allows us to recognize you each time you visit the Sites. We may use cookies to: (1) allow you to use the Sites without having to re-enter your username and password; (2) enhance or personalize your usage of the Sites and your shopping experience; (3) monitor usage of the Sites; (4) manage the Sites; and (5) improve the Sites and our products and services. If you choose, you can set your browser to reject cookies or you can manually delete individual cookies or all of the cookies on your computer by following your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features that are currently on our Sites, or that we may put on our Sites in the future. Note that browser-management tools for cookies are outside of our control and we cannot guarantee their effectiveness.

We may combine and draw inferences from the information we collect through cookies and web beacons with other information we have collected from you or information from other sources in order to draw create a profile about reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Information We Collect From Other Sources
We may also collect certain information from third parties, including legal information (e.g., fraud checks or flags raised about your transactions, the payment card you want to use, payment card refusals, suspected crimes, complaints, claims, and accidents) and, if you interact with us through a social media service or log in using social media credentials, information from your social media account (e.g., your name, email address, age, gender, and location).

Use of Information
We may use the information from and about you for any of the following purposes: (1) to fulfill your requests for products or services; (2) to respond to your inquiries; (3) to send you confirmation emails; (4) to review usage and operations of the Sites; (5) to address problems with the Sites, our business, or our services; (6) to protect the security or integrity of the Sites and our business; (7) to monitor the Sites for compliance with our Terms of Use and the law; and (8) to contact you about updates to our Sites, newsletters, and other informational and promotional materials from us and third party marketing offers from our trusted partners, as well as from other companies.

We use your personal information for the following key legal purposes:

– to contact you: subject to applicable law, we or our third-party service and business providers may send you communications; especially if you have subscribed to one of our services or regarding the Site. Such communications are designed to make your experience of our Site more efficient and may include, but are not limited to, communications about SJF and other notifications including important news that could affect your relationship with us. Where required under applicable data privacy laws, we will not send you marketing communications without your prior consent;
– for legal purposes: we may use and share personal information for legal purposes, including financial, regulatory, tax and other legal obligations and to respond to governmental or regulatory requests or subpoenas or for litigation purposes;
– for our legitimate interests and those of a third party: we may use your personal information to manage our legal, regulatory, financial and business requirements, including obtaining legal advice, in the course of disputes and litigation, internal and/or regulatory investigations and other legitimate interests; we also use your personal information for our legitimate marketing purposes and we may share your data with third parties, such as our sponsors, where we consider this meets our legitimate interests or those of our sponsors, whilst respecting users’ data privacy rights;
– for our business purposes: we may use your personal information to help us learn about the usage of our Sites, identify and fix issues with our Sites, and otherwise manage the objectives of our organization;
– for other purposes: subject to applicable law, we may use your personal information for additional purposes in connection with the Sites or SJF’s business, where you have provided your prior consent.

If you sign up for our mailing list, we will send you informational emails about offers of services. At any time, you can ‘unsubscribe’ yourself from our email list simply by clicking the ‘unsubscribe’ button.

If you do not wish to receive communications from us about special offers and promotions, you can opt-out of receiving these communications by following the instructions contained in the messages you receive. Even if you opt-out of receiving these messages, we reserve the right to send you certain communications relating to the services we provide, and we may send you service announcements and administrative messages. We do not offer you the opportunity to opt-out of receiving those communications.

Disclosure of Information
We may disclose information collected from and about you as follows: (1) to our related companies and service providers, to perform a business, professional, or technical support function for us; (2) to our marketing partners, advertisers, or other third parties, who may contact you with their own offers; (3) as necessary if we believe that there has been a violation of our Terms of Use or of our rights or the rights of any third party; (4) to respond to legal process (such as a search warrant, subpoena, or court order), internal investigations, regulatory enquiries, or requirements to share information and/or provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (5) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personally identifiable information about Sites’ users with third parties.

Please note that if you voluntarily submit any personal information for posting on the Sites, such as a review or a blog post, the information becomes publicly available and can be collected and used by others, so you should use care before posting information about yourself online.

Your Data Privacy Rights
Certain jurisdictions grant you rights and choices with respect to your personal information. Subject to legal limitations and exceptions, you may have certain privacy rights, including:

– Right to know/access: to access your personal information under relevant data protection law;
– Right to correct: to require any inaccurate personal information to be corrected;
– Right to delete: to require us to delete your personal information in certain circumstances;
– Right to restrict: to require us to restrict or block the processing of your personal information in certain circumstances (when processing is restricted, we may still retain your personal information it for legally permitted purposes your personal information, but may not use it further);
– Right to object: to object to our use of your personal information for direct marketing purposes;
– Right to opt-out: where applicable, the right to opt out of the sale or sharing of your personal information for targeted advertising or opt-out of certain profiling activities;
– Right to withdraw consent: where we are processing your personal information based on your consent to such processing, to withdraw your consent at any time.

Exercising Your Rights and Verification
In addition to the above, you may submit a request specifying the right you wish to exercise by emailing us at finance@SJFVentures.com or by postal address at 200 N. Mangum Street, Suite 203, Durham, NC 27701 ATTN: Privacy Inquiry, or by telephone at (919) 530-1177. In the “Contact Us” section below, California residents can designate an agent to submit all other types of requests. If you are a California resident and you use an agent to submit requests other than opt-out requests, the agent will need to provide us with your signed permission indicating the agent has been authorized to submit the request on your behalf. You will also be required to verify your identity directly with us or confirm with us that you provided the agent with permission to submit the request.

When you exercise rights other than opt-out rights, we will take steps to verify your identity. We will ask you for at least two pieces of personal information, depending on the nature of the request, and attempt to match those to information that we maintain or collect about you. If we are unable to verify your identity with the degree of certainty required, we will not be able to respond to the request. We will notify you to explain the basis of the denial.

If you exercise any of the rights explained in this Privacy Policy, we will continue to treat you fairly. If you exercise your rights under this Privacy Policy, you will not be denied or charged different prices or rates for goods or services or provided a different level or quality of goods or services than others.

Retention of Personal Information
Personal information that we collect, access or process will be retained only as long as necessary for the fulfilment of the purposes for which it was collected and in accordance with our legitimate business interests, unless otherwise provided in agreements between you and SJF or as required or authorized by law. Personal information that is no longer required to fulfill the identified purposes will be destroyed, erased, or made de-identified.

Security
We maintain reasonable and appropriate measures designed to maintain information we collect in a secure manner. We have taken certain physical, electronic, and administrative steps to safeguard and secure the information we collect from visitors to the Sites. Even though we follow reasonable procedures to try to protect the information in our possession, no security system is perfect, and we cannot promise, and you should not expect, that your information will be secure in all circumstances.

Children
The Sites are not directed to children, nor do we knowingly collect any personal information from children under the age of thirteen without verifiable parental consent. If you believe that a child has provided personal information to us, please contact us promptly as described below, and we will endeavour to investigate and delete such information from our systems.

Third-Party Websites
The Sites may contain links to third-party websites, such as social media sites like Facebook and Twitter, which may have privacy policies that differ from our own. We are not responsible for the activities and practices that take place on these websites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.

Visitors from Outside the United States—Cross-Border Transfer
The Sites are hosted in the United States. If you are visiting the Sites from outside the United States, your information may be transferred to, stored, and processed in the United States or other countries in accordance with this Privacy Policy. The data protection and other applicable laws of the United States or other countries may not be as comprehensive or protective as those laws or regulations in your country or may otherwise differ from the data protection or consumer protection laws in your country. Your information may be available to government authorities under lawful orders and law applicable in such jurisdictions. By using the Sites and/or providing personal information to us, you acknowledge and, to the extent required, also consent to transfer of your information to our facilities as described in this Privacy Policy.

Right to Lodge Complaints
We are transparent about the ways in which we collect and use personal information and welcome your questions and concerns. If you have any concern or complaint about the way we handle your personal information, please contact us as described below. To the extent you believe we have not addressed your concerns or otherwise choose to do so, you have the right to lodge a complaint with a supervisory authority in the country where you reside and/or the United States. You may contact the US Federal Trade Commission regarding your concerns. For more information, please see https://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc.

Changes to This Privacy Policy
We may change this privacy policy from time to time, including as required to keep current with rules and regulations, new technologies and security standards. When we do, we will post the change(s) on our Sites. If we change the policy in a material and retroactive manner, we will provide appropriate notice to you.

Contact Us
If you have questions or concerns about this Privacy Policy or how we collect and use the information of our customers, you can contact us by emailing us at finance@SJFVentures.com or by postal address at 200 N. Mangum Street, Suite 203, Durham, NC 27701 ATTN: Privacy Inquiry, or by telephone at (919) 530-1177.

If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.