Privacy Policy

Athena AI Holdings Inc. ("Athena", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard Personal Information when you use our websites, products, and services (collectively, the "Services").

1. Scope

This Policy applies to Personal Information we process as a business in connection with the Services. Additional notices may apply to certain products (for example, our Gramm‑Leach‑Bliley Act (GLBA) financial privacy notice) and will be provided where relevant.

2. Notice at Collection

We collect personal information (e.g., identifiers, internet activity, geolocation) for site operations, security, analytics, and (if enabled) targeted advertising. See the "Your Privacy Rights" section to opt out of sale/sharing or targeted ads and to submit access/deletion/correction requests.

3. Financial Privacy Notice (GLBA)

As a financial services company, we are required to provide you with information about our privacy practices under the Gramm-Leach-Bliley Act (GLBA).

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
• Credit history and credit scores
• Assets and employment information
• Payment history and transaction 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 Athena AI Holdings Inc. chooses to share; and whether you can limit this sharing.

4. Reasons We Can Share Your Personal Information

5. Information We Collect

We may collect the following categories of Personal Information:

• Identifiers (e.g., name, postal address, email address, phone number, government ID where permitted).
• Account information (e.g., username, credentials, settings, preferences).
• Financial information (e.g., income, assets, liabilities, bank account details you choose to share).
• Commercial information (e.g., records of products or services considered or purchased).
• Internet or network activity (e.g., log files, device identifiers, cookies, analytics data).
• Communications (e.g., messages, call recordings with notice and consent).
• Inferences drawn from the information above to create profiles reflecting preferences or characteristics.
• Sensitive information where required for the Services and permitted by law (e.g., SSN, credit data; handled under GLBA/FCRA where applicable).

Sources of Information

We collect your personal information, for example, when you:

• Apply for a loan or provide employment information.
• Provide account information or give us your income information.
• Provide your mortgage information.
• Interact with us through cookies, SDKs, and similar technologies.
• We also collect information from service providers and partners (e.g., identity, income, and credit bureaus with your authorization) and from public sources and anti‑fraud databases where permitted.

6. How We Use Personal Information

We use the information we collect to:

• Provide, maintain, and improve the Services.
• Process applications, verify identity, assess eligibility, and service accounts.
• Detect, prevent, and investigate fraud, security incidents, and abuse.
• Comply with law, industry standards, and contractual obligations.
• Communicate with you about your account and the Services.
• Personalize content and measure engagement.
• Conduct research, analytics, and product development.
• Facilitate marketing with your consent where required (you may opt out at any time).

7. How We Disclose Personal Information

We may disclose Personal Information with:

• Service providers who perform services on our behalf under contracts that restrict use of the information.
• Financial partners and other entities necessary to provide the Services at your request.
• Credit, identity, or fraud‑prevention agencies where you authorize or as permitted by law.
• Legal and compliance recipients to comply with applicable law, regulation, legal process, or government request, to enforce our terms, or protect rights, privacy, safety, or property.
• Business transfers in connection with a merger, acquisition, financing, or sale of assets, subject to this Policy's protections.

8. How We Protect Your Information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. However, no internet transmission is ever fully secure, and we cannot guarantee absolute security.

9. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Right to Access: Request to know what personal information we have collected about you.
• Right to Delete: Request deletion of your personal information.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out: Opt-out of sale of personal information or targeted advertising.
• Right to Portability: Receive your personal information in a portable format.

Universal Opt-Out Mechanism

We honor the Global Privacy Control (GPC) and other universal opt-out preference signals recognized by applicable state law. We will recognize new mechanisms within six months of their official listing.

Exercising Your Rights

To exercise your privacy rights, email us at privacy@athenamoney.co or call 1-877-687-0111.

10. Do Not Sell or Share My Personal Information

You have the right to opt out of the sale or sharing of your personal information. To opt out:

Do Not Sell or Share My Personal Information

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Contact Us

If you have questions about this Privacy Policy, please contact us at: