Privacy Policy

1. Scope & Applicability

This Privacy Policy applies to information collected by FJM Management, LLC and FJM Capital, Inc., each doing business as First Bridge Lending, and their affiliated lending entities (collectively, "First Bridge Lending," "we," "us"), in connection with:

• Visitors to firstbridgelending.com and related properties
• Prospective and current borrowers, brokers, guarantors, and signatories
• Loan applicants and inquiries submitted through our website, by phone, by email, or via partner channels

2. Information We Collect

2.1 Information you provide directly

• Contact information (name, email, phone, mailing address)
• Property information (address, type, value, lien status)
• Loan request information (amount, purpose, target close date, use of proceeds)
• Financial information necessary to evaluate creditworthiness
• Identification documents required by law for KYC / OFAC screening
• Communications you send to us

2.2 Information collected automatically

• Device, browser, IP address, and approximate location
• Pages visited, referring URL, session duration, interactions
• Cookies and similar technologies (see §6)

2.3 Information from third parties

• Credit reporting agencies (where applicable and authorized)
• Public records, title companies, appraisers, property data providers
• Broker / referral partners introducing your transaction
• Identity verification and fraud-prevention services

3. How We Use Information

We use information to:

• Evaluate loan inquiries and underwrite loan requests
• Originate, fund, and service loans
• Comply with legal, regulatory, and licensing obligations (DFPI, DRE, NMLS, OFAC, BSA/AML, etc.)
• Communicate with applicants, borrowers, brokers, and counterparties
• Protect against fraud, unauthorized access, and misuse of our services
• Operate, improve, and secure our website and infrastructure
• Send transactional communications and, with consent, marketing communications

4. How We Share Information

We share information only as needed and with appropriate safeguards. Categories of recipients include:

• Affiliated lending entities listed in our footer disclosures
• Service providers (title, appraisal, escrow, doc-prep, e-signature, hosting, analytics)
• Regulators and authorities as required by law or subpoena
• Successors in interest in the event of a corporate transaction
• Loan participants, assignees, or servicers in connection with the loan

We do not sell personal information for monetary consideration.

5. SMS & Telephone Communications

If you consent to receive SMS from First Bridge Lending, you agree to receive conversational text messages from our staff regarding your loan request, loan documents, and the status of your transaction. Messaging frequency may vary. Message and data rates may apply. Reply STOP to opt out at any time; reply HELP for support, or visit https://firstbridgelending.com/ for assistance. Consent to receive SMS is not a condition of any loan. No mobile opt-in or text message consent will be shared with third parties or affiliates for marketing purposes. See our Terms of Service at https://firstbridgelending.com/terms.

6. Cookies & Tracking Technologies

We use first-party and third-party cookies to operate the site, remember preferences, measure usage, and (where applicable) deliver advertising. You can manage cookies through your browser settings.

7. Data Retention

We retain information for as long as necessary to fulfill the purposes described in this Policy, satisfy legal, accounting, lending, and regulatory recordkeeping obligations, and resolve disputes.

8. Security

We maintain administrative, technical, and physical safeguards intended to protect information against unauthorized access, alteration, disclosure, or destruction. No system is perfectly secure; we encourage you to use strong, unique passwords and to notify us promptly of suspected unauthorized activity.

9. California Privacy Rights (CCPA / CPRA)

California residents have the right to:

• Know what personal information we collect, use, disclose, and share
• Request a copy of personal information we have collected about you
• Request deletion of personal information (subject to legal exceptions)
• Correct inaccurate personal information
• Opt out of "sale" or "sharing" of personal information (if applicable)
• Limit use of sensitive personal information (if applicable)
• Non-discrimination for exercising privacy rights

To exercise a right, contact us using the details below or via. We will verify your request before responding.

10. GLBA Financial Privacy Notice

As a financial institution, First Bridge Lending is subject to the Gramm-Leach-Bliley Act. We provide a separate GLBA Privacy Notice describing the categories of nonpublic personal information we collect and share, and your right to limit certain sharing.

11. Third-Party Sites & Services

Our site may link to third-party sites or embed third-party services. We are not responsible for the privacy practices of those parties. Review the privacy notices of any third-party site or service you use.

12. Children's Privacy

Our services are not directed to children under 13 (or under 16 where applicable). We do not knowingly collect personal information from children. If you believe a child has provided us information, contact us so we can take appropriate action.

13. Changes to this Policy

We may update this Policy from time to time. Material changes will be reflected by updating the "Last Updated" date and, where required, by additional notice.

14. Contact Us

Questions about this Policy or our privacy practices:

First Bridge Lending — Privacy Office
Northern California Office

15. Licensing Disclosures

Loans are arranged by FJM Management, LLC pursuant to CA DFPI license under CFL #60DBO-77543 for Northern California and under CFL #60DBO-187148 for Southern California. FJM Capital, Inc. DBA First Bridge Lending is licensed by CA DRE Broker #01918610 NMLS #958346.

Loans are made by the following affiliates:

• First Bridge Funding, Inc. DBA First Bridge Lending — CA CFL #60DBO-164106, NMLS #2282792, AZ #BK-2016069, OR #2282792, WA #CL-2282792
• First Bridge Funding, LLC — CFL #60DBO-164913
• FJM Private Mortgage Fund, LLC — CFL #6054701

For more information visit the NMLS Consumer Access Site.