Privacy at SimplifyEm: Your Data, Our Priority

Welcome to SimplifyEm.com ("SimplifyEm," "we," "our," or "us"). We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, use our products and services, communicate with us, or otherwise interact with SimplifyEm.

SimplifyEm may collect personal data when you interact with us, including when you visit our website, create or use an account, request information about our products, participate in promotions or surveys, communicate with us, or use services offered through our partners and third-party providers.

The types of information we collect include:

• Personal and Contact Information: Name, email address, phone number, mailing address, account information, and other information you provide to us.
• Financial and Payment Information: Information necessary to facilitate payments, verify bank accounts, or provide payment-related services.
• Website and Usage Information: IP address, browser and device information, pages visited, referring pages, timestamps, attribution information, cookies, and similar identifiers.
• Business and Professional Information: Company name, job title, professional contact information, professional profile information, and similar business-related information.
• Communication and Support Information: Information you provide when communicating with SimplifyEm or requesting customer support.
• Verification Information: Information needed for identity, bank-account, business, fraud-prevention, or compliance verification, as further described below.

We may collect and use personal data to:

• Provide, operate, maintain, and support SimplifyEm products and services.
• Process payments and other transactions and manage customer accounts.
• Fulfill customer requests.
• Communicate with customers, prospective customers, tenants, owners, vendors, and other stakeholders.
• Provide product information, updates, marketing communications, reminders, and other communications.
• Personalize and improve our website, products, services, and customer experience.
• Measure website engagement and understand interest in SimplifyEm.
• Support sales and marketing activities.
• Work with service providers that assist with payments, identity verification, fraud prevention, customer support, communications, analytics, visitor identification, security, and other business functions.
• Prevent fraud, misuse, security incidents, and unauthorized transactions.
• Comply with applicable legal, regulatory, banking, payment-processing, contractual, and compliance requirements.
• Resolve questions, complaints, or disputes.

SimplifyEm uses Persona, a third-party verification provider, to support identity verification, bank-account verification, and fraud prevention.

Personal data provided by SimplifyEm to Persona, and information provided by Persona to SimplifyEm, may be processed in connection with these verification services.

Depending on the verification being performed, information may include:

• Name and contact information
• Date of birth and age
• Tax forms, utility bills, or other documents
• Government-issued identification
• Social Security number or other government identifiers
• Photographs or video, including selfies and identification-document images
• Device and browser information
• Account information
• Geolocation information
• Biometric information, such as information generated from a facial scan, where applicable

Persona may also use information such as IP address and address information to support identity verification and fraud prevention.

Opt-In: By providing your phone number and opting in where required, you consent to receive applicable SMS messages relating to property updates, maintenance requests, important notifications, and other authorized communications.

Opt-Out: You may reply STOP to applicable SMS messages to opt out.

SimplifyEm will not share your SMS campaign opt-in with third parties for purposes unrelated to providing the applicable messaging service. We may share information necessary to provide SMS services with telecommunications carriers, messaging-platform providers, and vendors involved in transmitting those messages. SMS originator opt-in information and consent will not be shared with third parties for their own marketing purposes.

Why We Request Verification Information

SimplifyEm provides services that allow customers to collect rent, make payments, and transfer funds. To help protect our customers, owners, tenants, and financial partners, SimplifyEm or the financial institutions, payment processors, or verification providers supporting our services may need to verify the identity of an individual or business, the authority of an individual to act on behalf of a business, and ownership or authorized use of a bank account.

Verification helps prevent fraud, identity theft, unauthorized transactions, account takeover, and misdirected payments. It also helps our financial and payment partners satisfy federal banking, anti-money-laundering, customer-identification, and customer-due-diligence requirements.

Section 326 of the USA PATRIOT Act – Customer Identification

Section 326 of the USA PATRIOT Act requires covered financial institutions to establish a Customer Identification Program ("CIP") containing reasonable procedures to verify the identity of customers. Federal CIP requirements generally require covered financial institutions to obtain identifying information such as name, date of birth for an individual, address, and an identification number, and to take reasonable steps to verify that information. These requirements are intended to help financial institutions know who their customers are and reduce the risk of financial accounts being used for fraud, money laundering, terrorist financing, or other unlawful activity.

For additional information, see the official FinCEN guidance: Customer Identification Program Requirements under Section 326 of the USA PATRIOT Act

Bank Secrecy Act ("BSA") and Anti-Money-Laundering Requirements

The Bank Secrecy Act and related anti-money-laundering requirements establish a framework requiring covered financial institutions to maintain risk-based programs designed to detect and help prevent money laundering and other illicit financial activity. Depending on the institution and account, these programs may involve customer identification, customer due diligence, identity and business verification, transaction monitoring, recordkeeping, and fraud or risk assessment.

Know Your Customer ("KYC") and Customer Due Diligence ("CDD")

KYC refers to identity-verification and customer-due-diligence procedures financial institutions and financial-service providers use to confirm who their customers are. KYC is not a single law; rather, KYC procedures help institutions comply with requirements arising from laws and regulations including the Bank Secrecy Act, Section 326 customer-identification requirements, and related anti-money-laundering rules.

For certain legal-entity customers, covered financial institutions may also be required to obtain and verify information about beneficial owners. Under FinCEN’s current CDD framework, this generally includes each individual, if any, who directly or indirectly owns 25% or more of the equity interests of the legal entity, and one individual with significant responsibility to control, manage, or direct the entity. FinCEN issued relief in 2026 allowing covered institutions, in specified circumstances, not to repeat beneficial-owner identification and verification each time an existing legal-entity customer opens another account.

For additional information, see FinCEN’s current Customer Due Diligence Rule FAQs.

Information We May Request

Depending on the circumstances and requirements of the financial institution, payment processor, or verification provider, SimplifyEm or its partners may request:

• Full legal name

• Business legal name

• Date of birth

• Residential or business address

• Social Security number

• Employer Identification Number ("EIN")

• Taxpayer Identification Number ("TIN")

• Government-issued identification

• Business formation or registration documents

• Information about individuals who own or control a business

• Bank statements

• Voided checks

• Documents demonstrating bank-account ownership

• Other documents reasonably needed to verify identity, business ownership, bank-account ownership, or authority

Not every customer will be required to provide every type of information. The information requested depends on the account, payment service, verification circumstances, fraud or risk considerations, and requirements of the financial institution, payment processor, or verification provider involved.

SimplifyEm’s Role

Some federal banking and anti-money-laundering requirements described above apply directly to regulated financial institutions and other covered entities supporting SimplifyEm’s payment services. SimplifyEm may collect or facilitate the collection of identity, business, ownership, or bank-account information in connection with or on behalf of these financial, payment, or verification partners so that required verification can be completed. Providing requested verification information may therefore be necessary to activate, maintain, or continue using certain payment or banking features available through SimplifyEm.

How Verification Information Is Used

Verification information may be used to:

• Verify identity.

• Confirm bank-account ownership or authorization.

• Verify business ownership or authority.

• Prevent fraud or unauthorized transactions.

• Meet requirements imposed by financial institutions, payment processors, and verification partners.

• Meet applicable legal, regulatory, compliance, security, and recordkeeping requirements.

We use safeguards designed to protect sensitive verification information from unauthorized access, use, or disclosure.

We SimplifyEm does not sell personal information for monetary payment. We may disclose personal information when reasonably necessary for the purposes described in this Privacy Policy, including to:

• Service Providers and Vendors: Companies that assist us in operating, securing, supporting, analyzing, or improving our website and services.

• Payment and Financial Providers: Financial institutions, payment processors, and related providers supporting payments, transfers, and other financial functionality.

• Identity and Verification Providers: Providers that support identity verification, bank-account verification, business verification, KYC, fraud prevention, and security.

• Website Analytics, Visitor-Identification, and Marketing Providers: Providers that help us understand website usage and interest in SimplifyEm and support analytics, attribution, visitor identification, sales, and marketing activities.

• Communications Providers: Companies supporting email, SMS, telephone, or other customer communications.

• Legal and Compliance Recipients: Government authorities, courts, law enforcement, regulators, or other parties when disclosure is reasonably necessary or legally required.

• Business Transaction Parties: Parties involved in a merger, acquisition, financing, reorganization, sale of assets, or similar proposed or completed business transaction.

Some privacy laws define terms such as “sale,” “sharing,” or targeted advertising more broadly than an exchange of personal information for money. Where such laws apply to SimplifyEm, we will provide notices and choices required by applicable law.

Testimonials: With your consent, we may feature customer testimonials or endorsements on our website or other platforms.

We retain personal data for as long as reasonably necessary to provide our services, fulfill the purpose for which the information was collected, maintain security and prevent fraud, comply with legal, regulatory, accounting, payment-processing, and contractual requirements, resolve disputes, and enforce agreements. Retention periods may vary depending on the type and sensitivity of the information, its purpose, legal obligations, and security considerations.

Depending on where you live and which privacy laws apply, you may have certain rights regarding your personal information. These rights may include the ability to:

• Request information about personal data we maintain about you.

• Request access to certain personal information.

• Request correction of inaccurate information.

• Request deletion of certain information, subject to applicable exceptions.

• Object to or restrict certain processing where required by law.

• Withdraw consent where processing is based on consent.

• Request portability where required by applicable law.

To submit a privacy-related request, contact us at support@simplifyem.com. We may need to verify your identity before completing certain requests and will respond as required by applicable law.

California Website Privacy Disclosures

California residents may have privacy rights under applicable California laws depending on the law and circumstances involved. This Privacy Policy describes the categories of personal information we collect, the purposes for which we use it, the categories of third parties with whom information may be disclosed, our website tracking and visitor-identification practices, the choices available regarding visitor identification, and how we respond to supported browser privacy signals.

Third-party service providers may collect information concerning activity on certain public SimplifyEm webpages through cookies and similar technologies, as described in Section 4.

SimplifyEm recognizes enabled Global Privacy Control ("GPC") signals for our visitor-identification technology. When an enabled GPC signal is detected, that technology is disabled for that browser before it is loaded. You may also opt out of visitor identification through the opt-out link in Section 4.

If you would like to ask about personal information SimplifyEm maintains about you, or request correction or deletion, contact support@simplifyem.com. We will respond as required by applicable law.

We may update this Privacy Policy periodically to reflect changes in our products and services, technology and business practices, service providers, or applicable laws and regulatory requirements. When this Privacy Policy is updated, we will revise the Effective Date / Last Updated date at the top of this page. If we make material changes to our privacy practices, we may provide additional notice where appropriate or legally required.

Protecting personal information is important to SimplifyEm. We maintain administrative, technical, and organizational safeguards designed to protect information against unauthorized access, alteration, disclosure, loss, or misuse. These measures may include encryption, access controls, secure infrastructure, monitoring, and periodic security reviews.

For additional information about our security practices, please review the SimplifyEm Security Policy.

Have Questions? Our team is here to help.

SimplifyEm.com, Incorporated

5940 S Rainbow Boulevard
Las Vegas, NV 89118

Email: support@simplifyem.com

Phone: +1 (510) 790-9066