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Sparrow Consumer Privacy Notice

Last revision: 5/1/2023

FACTS: What does Sparrow do with your personal information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Transaction history and credit history
How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Sparrow chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Sparrow share?	Can you limit this sharing?
For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes: to offer our products and services to you	Yes	No
For joint marketing with other financial companies	No	We don’t share
For our affiliates’ everyday business purposes: information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes: information about your creditworthiness	No	We don’t share
For our affiliates to market to you	No	We don’t share
For non-affiliates to market to you	No	We don’t share
Questions?	Visit us online: www.sparrowcard.com Or, email your inquiry to: [email protected]

Who we are
Who is providing this notice?	Sparrow Financial, Inc. (“Sparrow”)

What we do
How does Sparrow protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Sparrow collect my personal information?	We collect your personal information, for example, when you Apply for a credit card or give your income information Give us your contact information Use your credit card Connect your bank account We also collect your personal information from others, such as credit bureaus, our affiliates or other companies.
Why can’t I limit all sharing?	Federal law gives you the right to limit only: Sharing for affiliates’ everyday business purposes—information about your creditworthiness Affiliates from using your information to market to you Sharing for non-affiliates’ companies to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Sparrow does not share with our affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Sparrow does not share with non-affiliates so they can market to you
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Sparrow does jointly market

Other Information

STATE PRIVACY LAWS: We will comply with applicable state privacy laws.

California Residents: We will not share your information with companies outside of Sparrow, except for our everyday business purposes, for marketing our products and services to you, or with your consent.

Vermont Residents: We will not share your information with companies outside of Sparrow, except for our everyday business purposes, for marketing our products and services to you, or with your consent. We will not disclose credit information about you within or outside Sparrow except as required or permitted by law.

Nevada Residents: We provide you this notice under Nevada state law. To be placed on our internal Do Not Call List, call (800) 839-9797. If you would like more information about telemarketing practices, you may contact us at Sparrow, 113 Cherry St. #87446, Seattle, WA 98104 or at (800) 839-9797.

For more on this Nevada law, contact 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; E-mail: [email protected].

Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.

© 2023 Sparrow Financial Inc. All Rights Reserved.

The Sparrow Mastercard is issued by Evolve Bank & Trust pursuant to a license from Mastercard International Incorporated.

*Access to the Sparrow credit card is subject to credit approval. Applying for the Sparrow credit card may result in a hard inquiry from one or more of the consumer reporting agencies, which may have an impact on your credit. Paying bills on time, keeping your balance low, and having a long credit history, among other things, can help your chances of improving your credit. Missed payments will have a negative impact on your credit.

†You must meet our applicable creditworthiness assessment and any other of our eligibility criteria, determined in our sole discretion, including but not limited to: ability to pay, account payment and utilization history, length of time since account opening, and length of time since last credit line increase. If your account meets all eligibility criteria, Sparrow will automatically increase your credit line and inform you of the change.