At Paradigm Settlements (“Paradigm,” “we,” “our”), protecting your privacy is very important to us. This Online Privacy Policy applies to all of the companies within the Paradigm family listed below. Our policy is to treat the personal information you furnish us with the utmost respect and in accordance with applicable privacy laws and regulations. Please read on for details about our practices for handling and securing your personal information.

This Online Privacy Policy is currently applicable only to our United States customers and visitors when they interact with our website.

Anonymous browsing

When you visit our website, we use tracking technology such as cookies and Web beacons/tags to automatically record details about your visit. Cookies are small pieces of data stored by your Internet browser on your computer’s hard drive. A cookie, by itself, does not tell us your email address or who you are. It cannot be used to collect data from your hard drive or personal information about you. We use cookies to collect information such as your IP address, the name of the browser you use to access the Internet (such as aol.com), the website you came from, the website you visit next, and the Paradigm website pages that you actually visit, including the date and the duration of your visit. Similar to cookies, Web beacons/ tags are services embedded into Paradigm website content that return completely anonymous data to us about our website’s usage and visitor behavior.

Information obtained through cookies and Web beacons/tags may be transmitted either directly to us or to a third-party service provider (such as network advertisers) authorized to collect information on our behalf. This information is used to measure the number of visits, average time spent, page views, and other statistics about visitors to our website in general and may be used to provide tailored offerings or content to you, including Paradigm advertisements when you visit other websites.

You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. You can learn more about adjusting your cookie preferences under the Help option in your browser. Please note, however, that by not accepting cookies, you will limit the functionality we can provide you when you make subsequent visits to our site.

Personal information collection

If you decide to register online with us, your browsing will no longer be anonymous to us. We use cookies to recognize you on subsequent visits and make your online experience more convenient. We may also ask you for information about yourself to assist us in meeting your various needs, including:

• Providing you with the Paradigm products or services you have requested
• Servicing your account
• Improving our services
• Informing you of additional Paradigm Settlements® products or services that may be of interest to you
• To provide these products and services, we may need to ask you directly to provide, among other things, your name, Social Security number, physical address, ZIP code, telephone number, mobile phone number, and email address.

Please note that we do not knowingly solicit information from children and we do not knowingly market our products or services to children.

Sharing information and consumer choice

Any personal information you share with us through our website, may be shared with our affiliates, financial professionals, and third parties as outlined in our Privacy Notice. As provided above, we may also collect and summarize statistics that we gather about our customers, sales, traffic patterns, and services and provide these statistics to third parties; however, when we do, these statistics will not include any personal information that identifies individuals.

Securing and protecting your information

We protect your information using safeguards that comply with applicable federal and state law. This includes measures that are administrative, physical, and technical in nature. We use commercially reasonable measures to secure our websites and protect the information that may be shared over these sites.

We instruct our employees with access to your information that it is to be used only in accordance with the principles set forth in this Online Privacy Policy and the privacy laws and regulations applicable to each of our specific business units. Employees who misuse customer information are subject to disciplinary action up to and including termination of employment.

To contact us or correct your information

If you wish to access, remove, or correct any personally identifying data you have supplied to us, or if you have any questions about this Online Privacy Policy, you may reach us by mail, phone, or email by clicking on the “Contact Us” link at the top of this page.

If you believe that an error has been made in the accuracy of the data collected from you, we will correct such error upon adequate verification of the error and the identity of the person seeking the correction. Please understand that in order to protect your privacy and security, we may also need to take reasonable steps to verify your identity before granting access or making corrections.

Changes to our Online Privacy Policy

We reserve the right to modify or supplement this Online Privacy Policy at any time. If we make any material change to our practices, we will update this Online Privacy Policy to include such changes. The effective date of this Online Privacy Policy is set forth below.

Terms of use

Welcome to the Paradigm Settlements consumer website. Paradigm Settlements (Paradigm Settlements®), and its affiliates and related companies (collectively “the Company”), operate this website (the “website”) to provide financial information, related features, and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service.

Please take a few minutes to review the Terms of Use. By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.

1. Contents not intended for distribution or use where prohibited

The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company or its affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by the Company or its affiliates to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or service.

2. These terms of use may change without prior notice

The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.

3. Notices of restrictions on your use

The Service, the website, and all data and information and/or content that you see, hear, or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors, or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third-parties is used on the website with the permission of such third parties.

You may download, print, and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title, or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website.

You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.

4. Disclaimer of warranties

THE INFORMATION ON THIS WEBSITE IS PROVIDED “AS IS.” YOU EXPRESSLY AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND THE SERVICE. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE SERVICE. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT, WITH REGARD TO THE WEBSITE, THE SERVICE, OR ANY INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD-PARTY INFORMATION).

THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY USE OF THE WEBSITE, THE SERVICE OR ANY INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD-PARTY INFORMATION). IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE.

THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE WEBSITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE, OR THAT ANY ERRORS IN THE INFORMATION OR CONTENT WILL BE CORRECTED. THE WEBSITE, THE SERVICE, AND THE INFORMATION OR CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

5. Limitation of liability

IF YOU ARE DISSATISFIED WITH THE WEBSITE OR ANY CONTENT ON THE WEBSITE, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE WEBSITE, THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.

YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, (I) ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, PROGRAMS, OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEBSITE, THE SERVICE, OR THE INFORMATION OR CONTENT PROVIDED THEREIN, (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE WEBSITE, THE SERVICE, AND/OR INFORMATION OR CONTENT CONTAINED THEREIN OR DOWNLOADED THROUGH THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE OR THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW.

6. Personal information and Online Privacy Policy

For information about how the Company collects and uses your personal information, click here for the Company’s Online Privacy Policy.

7. User conduct

You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

8. General provisions

a. Entire agreement These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

b. Correction of errors and inaccuracies The information in the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies, or omissions will be corrected.

c. No endorsements of links Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party website, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.

d. Enforcement If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the State of Pennsylvania, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in Pennsylvania, U.S.A., regarding any and all disputes relating to these Terms of Use, the Company’s Privacy Statement, your use of the website, any other web site, the Service, or Content or Material contained therein.

Business continuity

At Paradigm Settlements, we maintain important disaster recovery and business continuity plans that may be used in the event of a significant business disruption. We realize the critical nature of being able to continue material operations if an incident occurs that could affect important business units and systems. These plans are key components in maintaining emergency procedures, and are required by securities industry regulations.

Our business continuity plans provide for continuity of critical operations and other activities during a variety of disruptions. They include conducting operations from alternate sites in different locations, if necessary.

To maintain effective and secure plans, we keep them confidential and so do not provide specific details in this notice. In addition, we are committed to maintaining effective communications with you during a business disruption. Our business continuity plans are reviewed to ensure appropriate enhancements are implemented as technology improves, business plans evolve, or regulatory requirements change.

Changes to the Terms of this Notice

We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request, on our website, and we will provide a copy to you.

Compliance with State Privacy Laws

State law may further limit the permissible ways the Covered Entity uses or discloses your PHI. If an applicable state law imposes stricter restrictions on the Covered Entity, we will comply with that state law.

Revised Date: March 25, 2021

Privacy Officer Contact Information:

Paradigm Settlements
Attn: Data Privacy Officer
5533 Point Pleasant Pk
Doylestown, PA 18902