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Effective Date: January 1, 2026 | Last Updated: May 1, 2026

Premium Capital Ventures ("Premium Capital Ventures," "we," "our," or "us") is committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you engage with our services, website, and communications.

1. Information We Collect

We collect the following categories of personal and financial information:

• Personal identifiers: name, date of birth, Social Security Number (SSN), government-issued ID
• Contact information: email address, phone number, mailing address
• Financial information: income, employment status, credit score, bank account details, loan history
• Device and usage data: IP address, browser type, pages visited, time on site

2. How We Use Your Information

We use collected information to:

• Process loan, insurance, or investment applications and transactions
• Verify your identity and perform credit checks as required by law
• Communicate service updates, financial offers, and compliance notices
• Comply with applicable federal and state financial regulations, including the Gramm-Leach-Bliley Act (GLBA)
• Prevent fraud, money laundering, and other financial crimes

3. Information Sharing

We do not sell your personal information. We may share your data with credit bureaus, regulatory agencies, licensed partners providing services on our behalf, and as required by law. All third parties are contractually bound to maintain your data confidentiality.

4. Data Security

Premium Capital Ventures employs industry-standard security measures including 256-bit SSL encryption, multi-factor authentication, and regular third-party security audits to protect your information from unauthorized access.

5. Your Rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of your personal data. To exercise these rights, contact us at info@premiumcapitalventures.info.

6. Contact

For privacy-related inquiries, reach our Data Protection Officer at info@premiumcapitalventures.info or write to us at our registered address.

Effective Date: January 1, 2026 | Last Updated: May 1, 2026

These Terms and Conditions ("Terms") govern your use of Premium Capital Ventures website, tools, and advisory services. By accessing our platform or engaging our services, you agree to these Terms in full.

1. Services Provided

Premium Capital Ventures provides financial advisory, comparison, and facilitation services across loans, insurance, digital payments, investments, home warranty, and debt relief. We act as an advisory intermediary and do not directly lend money or underwrite insurance policies unless explicitly stated.

2. Eligibility

Our services are available to individuals who are 18 years of age or older and legally capable of entering binding financial agreements. By using our services, you represent that you meet these requirements.

3. Financial Advice Disclaimer

Information provided by Premium Capital Ventures is for educational and informational purposes and does not constitute legal, tax, or investment advice. You are encouraged to consult with a licensed financial advisor, attorney, or tax professional before making any financial decisions. Past performance of investment products does not guarantee future results.

4. Credit and Background Checks

By applying for any loan or financial product through Premium Capital Ventures, you authorize us and our partner institutions to conduct hard or soft credit inquiries as required. Such inquiries may affect your credit score.

5. Loan and Product Terms

Specific terms, rates, fees, and conditions for loans, insurance, or investment products are governed by the individual agreements with the respective financial institution. Premium Capital Ventures is not responsible for changes in partner institution terms.

6. Prohibited Use

You agree not to use our platform for fraudulent applications, money laundering, misrepresentation of financial information, or any activity that violates federal or state law, including but not limited to the Bank Secrecy Act, Fair Credit Reporting Act (FCRA), and Truth in Lending Act (TILA).

7. Limitation of Liability

Premium Capital Ventures shall not be liable for any indirect, consequential, or punitive damages arising from your use of our services or reliance on information provided. Our total liability shall not exceed the amount of fees paid by you, if any, in the 12 months preceding the claim.

8. Governing Law

These Terms shall be governed by and construed in accordance with applicable federal financial regulations and the laws of the jurisdiction in which Premium Capital Ventures is registered. Disputes shall be subject to binding arbitration under the rules of the AAA.

9. Amendments

Premium Capital Ventures reserves the right to modify these Terms at any time. Changes will be communicated via our website. Continued use of our services after amendments constitutes acceptance.