Highnote Privacy Policy

Last Updated: September 4, 2025

Welcome to Highnote. This Privacy Policy explains how Highnote Platform, Inc. ("Highnote," "we," "us," or "our") collects, uses, and discloses your information when you use our website, products, and services (collectively, the "Services").

By using our Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy.

1. Information We Collect

We collect information to provide and improve our Services. The types of information we collect include:

• Personal Information You Provide: When you create an account, we collect information such as your name, email address, social security number, date of birth, phone number, and residential address. For business accounts, we may also collect your business name, address, and bank information.
• Transaction Data: When you perform a transaction, we collect data such as the amount, date, and payment method to process it.
• Automatically Collected Information: We automatically collect information when you use our Services, including your IP address, device information, browser type, and usage data through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for various purposes, including:

• To provide, maintain, and improve our Services.
• To process transactions and send you related information.
• To verify your identity and prevent fraud.
• To communicate with you about products, services, and offers.
• To comply with legal obligations and enforce our terms.

3. Cookies and Tracking Technologies

We use cookies and other tracking technologies to operate and personalize our Services.

• Cookies: These are small data files stored on your device that help us improve your experience.
• Third-Party Tracking: We may use third-party services for behavior-based advertising to provide you with ads tailored to your interests.
• "Do Not Track" Signals: Our Services do not currently respond to "Do Not Track" (DNT) signals. We will update this policy if our practices change.

4. How We Share Your Information

We may share your information in the following situations:

• With Service Providers: We share information with third-party vendors who perform services on our behalf, such as payment processing and data analysis.
• Legal Reasons: We may disclose your information to comply with applicable laws, respond to legal processes, or protect the rights and safety of Highnote or others.
• Business Transfers: In the event of a merger, sale of assets, or acquisition, your information may be transferred to another company.
• With Your Consent: We may share your information for any other purpose with your consent.

We do not sell your personal information to third parties for their promotional purposes.

5. Your Choices and Opt-Out Rights

You have choices regarding your information:

• Marketing Communications: You can opt out of receiving promotional emails from us by following the "unsubscribe" link in those emails.
• Data Sharing: Under the Gramm-Leach-Bliley Act (GLBA), you have the right to limit some, but not all, sharing of your personal financial information. We will provide you with a separate notice explaining these rights and how you can opt out.

6. Data Retention

We retain your personal information for as long as necessary to provide our Services and fulfill the purposes outlined in this policy.

• Account Information: We retain your account information for the duration of our business relationship.
• Cardholder Data: Upon account closure, cardholder data is retained for a period of 7 years to comply with legal and regulatory obligations, after which it is securely and automatically deleted.

7. Age Requirements

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected such information, we will take steps to delete it.

8. Security

We implement reasonable technical and organizational measures to protect your personal information from loss, misuse, and unauthorized access. However, no internet transmission is completely secure, and we cannot guarantee its absolute security.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at support@highnote.com

11. Information for California Residents

California Civil Code 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether certain categories of information are "sold" or transferred for an organization’s "business purpose" as those terms are defined under California law. If you would like more information concerning the categories of personal information (if any) we share with third parties or affiliates for those parties to use for direct marketing please submit a written request to us using the information in the below section, Contact Information

12. Information for Nevada Residents

We are providing you this notice under state law. Should we participate in direct marketing, you may be placed on our internal Do Not Contact List by following the directions to limit it. Nevada law requires we provide the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702.486.3132; email: aginfo@ag.nv.gov. You may submit a written request to us using the information in the below section, Contact Information.