PRIVACY NOTICE

Stars Unlimited

Effective Date: [10, 22, 2026]
Last Updated: [10, 23, 2026,]

1. Introduction

Stars Unlimited (“we,” “us,” “our,” or the “Company”) respects the privacy and confidentiality of individuals who apply for, receive, or inquire about our lending services.

This Privacy Notice explains how we collect, use, maintain, protect, and disclose personal information in connection with loan applications, credit evaluations, loan servicing, payment processing, collections, and other related services.

By applying for or using our lending services, you acknowledge that your personal information may be handled as described in this Notice, subject to applicable law.

2. Information We Collect

Depending on the services requested and the stage of the lending process, we may collect the following categories of information.

A. Personal Identification Information

Full legal name
Date of birth
Mailing address and residential address
Telephone number and email address
Government-issued identification information, where required
Other information necessary to verify identity

B. Financial Information

Employment and income information
Bank account and payment information
Monthly expenses and existing financial obligations
Loan amount requested and intended use of funds
Assets, liabilities, and other financial information relevant to a loan application

C. Credit and Loan Information

Credit reports and credit scores, when legally obtained
Credit history and existing debt obligations
Payment history and outstanding balances
Loan application information
Loan approval, denial, servicing, and repayment records
Information concerning late payments, defaults, and collection activity

D. Business Information

For business loan applications, we may collect:

Business name, address, and contact information
Business registration and ownership information
Business revenue, financial statements, and tax-related information
Commercial credit information
Information concerning owners, guarantors, or other authorized individuals when relevant and legally permitted

E. Communications and Electronic Information

Information provided through forms, emails, telephone calls, text messages, or other communications
Records of customer service inquiries
Electronic signatures and transaction records
Website usage information and technical data, where applicable

We collect only the information reasonably necessary for the relevant lending, servicing, legal, or business purpose, subject to applicable requirements.

3. How We Collect Information

We may collect information:

Directly from you through loan applications, forms, documents, telephone calls, emails, and other communications.
From credit reporting agencies and credit information providers when legally authorized.
From banks, payment processors, financial institutions, and other service providers involved in processing transactions.
From employers, business records, public records, or other sources when appropriate and legally permitted.
Through our website or electronic systems, where applicable.

When we obtain information from third parties, we handle that information according to applicable law and our contractual obligations.

4. How We Use Your Information

We may use personal information to:

Process and evaluate loan applications.
Verify identity and help prevent fraud, identity theft, and unauthorized transactions.
Evaluate creditworthiness, repayment ability, and loan eligibility.
Prepare loan agreements, promissory notes, disclosures, and related documents.
Establish, administer, and service loan accounts.
Process payments and maintain accurate account balances.
Send payment reminders, account statements, notices, and other loan-related communications.
Manage delinquent accounts and pursue lawful collection activities when necessary.
Respond to questions, complaints, and requests.
Maintain business records and comply with applicable legal and regulatory obligations.
Protect our customers, systems, property, and business operations.
Improve our services and maintain the security and functionality of our systems.

We will not use personal information for purposes that are prohibited by applicable law.

5. Credit Reports and Credit Information

When legally permitted and when we have a permissible purpose, we may obtain consumer or commercial credit information to evaluate a loan application, review an existing account, service a loan, or undertake another legally authorized activity.

Credit information may be used to assess creditworthiness, determine loan eligibility and terms, manage existing accounts, and support lawful collection activity.

We may also report loan account information to credit reporting agencies if we participate in credit reporting and comply with applicable requirements. Reported information may include account status, payment history, outstanding balances, delinquency status, and other information permitted by law.

We do not guarantee that our lending activity will establish or improve a customer's credit history. Credit reporting practices depend on our reporting arrangements, the information available, and applicable requirements.

If you believe information we have furnished to a credit reporting agency is inaccurate, you may contact us using the information provided at the end of this Notice. You may also contact the relevant credit reporting agency to dispute information appearing in your credit report.

6. How We Share Information

We do not sell personal information to third parties for their independent marketing purposes, except where otherwise disclosed and permitted by law.

We may share information, as appropriate and legally permitted, with the following categories of recipients:

A. Service Providers

Companies that help us operate our lending services, including:

Loan origination and loan servicing providers
Credit reporting agencies and credit information providers
Payment processors and financial institutions
Identity verification and fraud prevention providers
Technology, hosting, data storage, and cybersecurity providers
Accounting, legal, and professional service providers

B. Credit Reporting Agencies

We may provide loan and payment information to credit reporting agencies in accordance with applicable law and any required agreements.

C. Collection and Legal Service Providers

If an account becomes delinquent or a legal matter arises, we may share relevant information with attorneys, collection agencies, courts, and other authorized parties as legally permitted.

D. Government Authorities and Legal Requirements

We may disclose information when required by law, regulation, subpoena, court order, or other lawful process, or when disclosure is otherwise legally permitted.

E. Business Transfers

Information may be transferred in connection with a merger, acquisition, restructuring, financing, sale of assets, or transfer of loan servicing, subject to applicable law and appropriate safeguards.

F. With Your Authorization

We may disclose information to other parties when you direct or authorize us to do so, subject to applicable law.

We expect service providers handling personal information on our behalf to use appropriate safeguards and to handle the information only for authorized purposes.

7. Information Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, loss, misuse, and destruction.

Depending on the information and systems involved, safeguards may include:

Access controls and restricted employee permissions
Password protection and authentication measures
Secure transmission and storage practices
Monitoring and security assessments
Employee training and confidentiality obligations
Vendor oversight and appropriate contractual protections
Procedures for responding to suspected security incidents

No method of electronic storage or transmission can be guaranteed to be completely secure. We work to maintain reasonable safeguards appropriate to the nature of the information we handle.

8. How Long We Retain Information

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Notice, including processing applications, servicing loans, maintaining financial records, resolving disputes, collecting outstanding debts, and satisfying legal, regulatory, tax, and recordkeeping obligations.

Retention periods may vary based on the type of information, the status of a loan account, applicable limitation periods, and legal requirements.

When information is no longer required, we will dispose of it or de-identify it in accordance with applicable law and our record-retention procedures.

9. Electronic Communications, Email, and Text Messages

We may communicate with applicants and borrowers by mail, telephone, email, text message, or other methods permitted by law.

These communications may include application updates, requests for documentation, payment reminders, account notices, security alerts, and information concerning loan servicing.

Where required, we will obtain consent or authorization before sending certain electronic communications or initiating recurring electronic payments.

You should not send passwords, complete bank login credentials, or other highly sensitive information through ordinary email or text messages. Please contact us to arrange a more secure method of providing information when necessary.

10. Automatic Payments and Banking Information

If you choose to authorize recurring electronic payments, we may collect and process the information necessary to administer those payments, including the payment amount, schedule, account information, authorization records, and transaction results.

Payment information may be shared with the financial institutions and payment processors involved in the transaction.

Recurring payment authorization is separate from the underlying loan agreement. Any cancellation, revocation, or change to a payment authorization will be handled in accordance with applicable law and the relevant payment arrangements. Stopping an automatic payment does not necessarily cancel an outstanding loan obligation.

We do not ask customers to provide their online banking passwords for the purpose of setting up recurring loan payments.

11. Your Privacy Rights and Choices

Depending on applicable law and the circumstances, you may have rights to:

Request access to certain personal information we maintain about you.
Request correction of inaccurate personal information.
Request information about certain disclosures of your information.
Request deletion of information where legally available.
Withdraw consent where processing depends on consent and withdrawal is legally permitted.
Opt out of certain marketing communications.
Exercise rights concerning consumer credit reports and dispute inaccurate credit information.

Some information must be retained or processed to service a loan, comply with legal obligations, maintain transaction records, protect against fraud, or establish, exercise, or defend legal claims. Accordingly, a request to delete information may not apply to all records.

To submit a privacy request, contact us using the contact information below. We may need to verify your identity before responding.

12. Credit Decisions and Automated Processing

We may use credit reports, financial information, eligibility criteria, and other relevant information to evaluate loan applications and manage accounts.

Where automated tools are used, their role will depend on our systems and lending processes. We will comply with applicable requirements concerning credit decisions, notices, fair lending, and the use of consumer reports.

Submitting an application does not guarantee approval. Loan decisions and terms are subject to eligibility requirements, underwriting criteria, available information, and applicable law.

13. Children's Privacy

Our lending services are intended for individuals legally eligible to enter into the relevant financial agreements. We do not knowingly collect personal information from children in violation of applicable law. We do not lend to minors, people under 18, or individuals without valid employment. If you borrow money under any of these circumstances you are in breach of the loan agreement and the balance of the loan becomes due immediately.

If we learn that information was collected improperly from a child, we will take appropriate steps consistent with applicable legal requirements.

14. Third-Party Websites and Services

Our website or electronic communications may contain links to third-party websites or services. Those parties may have their own privacy policies and practices.

We are not responsible for the privacy practices of independent third parties. We encourage you to review their privacy notices before providing personal information.

15. Changes to This Privacy Notice

We may update this Privacy Notice periodically to reflect changes in our services, information-handling practices, legal requirements, or business operations.

When changes are made, we will update the “Last Updated” date above and provide additional notice when required by law.

16. Contact Information

For questions, privacy requests, or concerns about how your information is handled, contact:

Privacy Contact: Loan Department
Mailing Address: 6621 Williamson Rd
Telephone: 1 (888) 502-1199
Email: Starsunlimited@starlimi.com

Please do not include complete bank account numbers, passwords, Social Security numbers, or other highly sensitive information in an ordinary email.

Important Notice: This Privacy Notice describes general information-handling practices. It does not replace any separate consumer financial privacy notice, credit reporting disclosure, adverse-action notice, electronic payment authorization, or other disclosure that may be required by applicable law. Where required, separate notices and disclosures will be provided.

StarliMi