Houser Privacy Policy

Houser's mission is to protect the privacy and security of our customers' personal data. By registering for and using the Houser Platform and Services, you agree to these terms.

1. Definitions

1.1. For the purposes of reading and interpreting this document, the terms below have the following meanings:

(a) User or Data Subject

Any person or entity that registers on the Houser website and/or provides Personal Data to access and use Houser's product or service platforms.

(b) Personal Data

Any information capable of identifying an individual or making them identifiable, such as name, government-issued ID (driver's license, passport), Social Security Number (SSN) or equivalent taxpayer identifier, email address, home address, phone number, financial data (bank account, credit card details), and browsing data (login credentials, product pages viewed, session duration).

2. Purpose

2.1. Houser uses personal data for the purposes described in the table below:

3. Sharing data with third parties

3.1. The personal data we share with third parties is used for the protection, sale, and delivery of our products. All third parties we work with follow information-security and data-privacy best practices.

3.2. Your data may be shared under the following scenarios:

4. Consumer Credit Reporting

4.1. For a better assessment of your credit, we may query or share your data with consumer credit bureaus (including Experian, Equifax, and TransUnion) in accordance with the Fair Credit Reporting Act (FCRA) and other applicable laws.

Legal Basis: Legitimate Interest; Compliance with Legal Obligations; Performance of Contract.

4.2. Such consultation may be carried out by financial institutions and other authorized entities that acquire, take as collateral, or otherwise demonstrate a legitimate interest in credit operations relating to the customer.

4.3. Purposes of consumer credit reporting:

Provide information to the applicable authorities and financial system participants for oversight;

Facilitate the exchange of information between financial institutions.

4.4. You may access and dispute information held about you by contacting each of the nationwide consumer credit bureaus directly:

Experian: https://www.experian.com  |  Equifax: https://www.equifax.com  |  TransUnion: https://www.transunion.com

5. Collection

5.1. Houser collects data only for legitimate purposes and in compliance with applicable law.

5.2. The information collected falls into two categories:

6. Storage

6.1. We store only the data essential for our operations. This information is kept on Houser's servers or those of our partners, following applicable data-protection laws (including CCPA/CPRA where applicable) and international security standards.

6.2. User Data will be stored until:

• The User requests deletion;
• Deletion is ordered by a competent authority;
• The period necessary to fulfill the purpose expires.

6.3. Data changes or deletions can be requested through the privacy portal available in the customer area.

6.4. Certain data may be retained as required or permitted by applicable law (e.g., recordkeeping and tax obligations).

7. Personal data processing

7.1. Houser processes personal data in compliance with applicable data-protection laws.

7.2. Data may be processed in the following forms:

• Anonymized;
• Encrypted;
• Aggregated;
• Non-anonymized, as authorized in this Policy.

7.3. Houser may request additional documents to validate user identity.

8. International Transfer

8.1. Personal data may be transferred to other countries when we use international cloud-processing or storage services, always in accordance with applicable law and using appropriate safeguards.

9. User consent

9.1. By registering on Houser's sites and platforms, the User expressly agrees to this Privacy Policy and authorizes the processing of their data for:

• • Personalization of the browsing experience;
  • Receipt of communications and promotions;
  • Optimization of the shopping and service-usage experience.

10. User rights

10.1. Users/Data Subjects have the right to:

• Access their personal data;
• Request correction of data;
• Request partial or full deletion of data;
• Withdraw previously granted consent;
• Request anonymization or blocking of data;
• Obtain information about data sharing with third parties.

11. Cookies

11.1. Cookies are files used to improve your browsing experience and personalize content.

11.2. Cookies are used for:

• Ad personalization;
• Shopping-cart storage;
• Product and service improvement;
• Security and fraud prevention.

11.3. Blocking cookies may limit platform functionality.

12. Responsibilities

12.1. Houser commits to:

• Adopt appropriate information-security standards;
• Report security incidents as required by law.

12.2. Houser is not responsible for damages arising from unauthorized access caused by third parties, except as required by law.

12.3. This Policy may be amended at any time; changes will be published through our official channels.

13. Use by minors

13.1. Access to the Houser platform is intended exclusively for adults aged 18 and over.

14. Contact and Data Protection Officer

14.1. Houser's Data Protection Officer (DPO) is available to handle requests related to privacy and data protection through:

privacy@houser.com

To exercise your rights under applicable data-protection laws or to clarify questions related to the processing of personal data, contact us through the channel above.

Updated on May 8, 2026.

HOUSER US, LLC — [ADDRESS TO BE FILLED], EIN: XX-XXXXXXX.