Privacy Notice

Effective Date: Feb 2026

Our privacy practices are described in our Privacy Policy, and we have provided a summary of how we handle non-public personal information below:

	WHAT DOES KAROO HOLDINGS, INC. 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 employment information; account balances and transaction history; credit history and credit scores;
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 Karoo Holdings, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Karoo 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	Yes	No
For our affiliates' everyday business purposes - information about your creditworthiness	Yes	Yes
For our affiliates to market to you	Yes	Yes
For our non-affiliates to market to you	No	We don't share

To limit our sharing
Visit us online: www.karoo.loans Call 1 (650) 610-7620, and our menu will prompt you through your choices Please note: If you are a *new* customer, we can begin sharing your information 45 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1 (650) 610-7620, or go to www.karoo.loans/privacy-policy

Who we are
Who is providing this notice?	Karoo Holdings, Inc.
What we do
How does Karoo 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 Karoo collect your personal information?	We collect your personal information, for example, when you: open an account or enquire about a loan provide account information or pay your bills use your debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit some but not all sharing related to: affiliates’ everyday business purposes—information about your creditworthiness affiliates from using your information to market to you nonaffiliates to market to you State laws may give you more rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will affect you alone unless you tell us otherwise.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies operating under the Karoo name.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with include financial services and loan servicing companies.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial services companies.