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Privacy Statement

Hitch Inc.

Privacy Statement

At Hitch Inc., your trust and the security of your information is very important to us. This Privacy Policy explains what we do to protect and maintain your information and to let you know how you can limit the information that we share with others.

"Site" refers to this Internet web site (www.usehitch.com) and its related services.

"You" or "User" refers to a registered user of this Site.

"Hitch" or "We" refers to Hitch Inc..

This Site contains links to other sites

Hitch Inc. is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.

The Work Space

This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and the exchange and sharing of information. The information contained in private work spaces shared between Users and Hitch Inc. is not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.

Information We Gather

We collect nonpublic personal information about You, including:

Information We receive from you on applications, online registrations or other forms (such as your name, address, phone, fax, email address, street address, assets, income, debt and more).

Information about your transactions with us, our affiliates or others (such as account balance, transaction history or information about our communications with you).

Information about your creditworthiness, credit history and other facts about you that We obtain from consumer reporting agencies or from providers of marketing and demographic information.

Information about your employment, employment history, your past real estate transactions, your property insurance coverage and more.

We are required by law to verify the information that you provide to us but We greatly appreciate your honesty in accurately representing your financial information, history and ability to repay any current or future credit obligations.

Automatically Gathered Information

Hitch Inc. automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. Hitch Inc. may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address information but do not ordinarily link IP addresses to Users Nonpublic personal information. However, we can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.

Information Use and Disclosure

Protecting the Confidentiality and Security of Your Information

Keeping financial information is one of our most important responsibilities. Only those persons who need access to your information to perform their job responsibilities are authorized to access your information. We take commercially reasonable precautions to protect your information and limit disclosure by maintaining physical, electronic and procedural safeguards.

We share your information with others as required by law or as necessary to obtain credit approval for your loan.

With Affiliates of Hitch Inc.

We do not share your information with affiliates.

With Third Party Service Providers, Joint Marketers and as Otherwise Permitted by Law

We may work with non-affiliated companies or organizations to provide services on our behalf in connection with obtaining approval for your loan or to provide you with opportunities to buy products or services offered by us or jointly with other financial institutions. As a result, we may disclose some of the information that we gather from you. For your protection, we require that these companies keep all personal information confidential.

We also may disclose some or all of the information that we collect as permitted by law. For example,

we may share personal information:

With regulatory authorities and law enforcement officials

To protect against fraud

To report activity to credit bureaus

To respond to a subpoena

Opting Out

You may opt out, that is, you may direct us not to share your information, by calling us at 833-512-0284 .

Registration Information

We use nonpublic personal information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users nonpublic personal information to third parties.

Demographic Information, Surveys and Contests

The demographic information that Hitch Inc. collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.

Comments Submitted by Users

Hitch Inc. constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.

Security

We will use commercially reasonable methods to keep nonpublic personal information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.

How We Respond To Browser Do Not Track Requests

Hitch Inc. and other parties not affiliated with us may collect nonpublic personal information about your online activities over time and across different websites when you use our website or the services offered on our website. Industry standards regarding how to handle “Do Not Track” requests from web browsers are still evolving and there is currently no set of industry standards for handling such requests. As such we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. At this time, we do not have any protocol in place that allows you to opt-out of internet tracking. If you have any questions regarding our internet tracking methods please contact us.

Correcting/Updating Your Information

To correct and/or update your information, please contact us.

Contacting Us

If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:

Hitch Inc.

Customer Service

2158 NW Toussaint Dr

Bend, OR 97703

Equal Housing Lender
Hitch, Inc. 23833672158 NW Toussaint Drive. Bend, Oregon 97703

1. Qualified applicants may borrow up to 95% of their home’s value. This does not apply to investment properties.2. HELOCs have a 10-year draw period. During the draw period, the borrower is required to make monthly minimum payments, which will equal the greater of (a) $100; or (b) the total of all accrued finance charges and other charges for the monthly billing cycle. During the draw period, the monthly minimum payments may not reduce the outstanding principal balance. During the repayment period, the borrower is required to make monthly minimum payments, which will equal the greater of (a) $100; or (b) 1/240th of the outstanding balance at the end of the draw period, plus all accrued finance charges and other fees, charges, and costs.The lender will calculate this amount by taking the outstanding Account Balance on the last day of the draw period and dividing it by 240 months and then adding any finance charge that accrues but remains unpaid during the monthly billing cycle plus any other fees, charges and costs to the fixed principal payment that is due. During the repayment period, the monthly minimum payments may not, to the extent permitted by law, fully repay the principal balance outstanding on the HELOC. At the end of the repayment period, the borrower must pay any remaining outstanding balance in one full payment.3. The time it takes to get cash is measured from the time the Lending Partner receives all documents requested from the applicant and assumes the applicant’s stated income, property and title information provided in the loan application matches the requested documents and any supporting information. Most borrowers get their cash on average in 21 days. The time period calculation to get cash is based on the first 4 months of 2024 loan funding's, assumes the funds are wired, excludes weekends, and excludes the government-mandated disclosure waiting period. The amount of time it takes to get cash will vary depending on the applicant’s respective financial circumstances and the Lending Partner’s current volume of applications. Closing costs can vary from 3.0 - 5.0%. An appraisal may be required to be completed on the property in some instances.4. Not all borrowers will meet the requirements necessary to qualify. Rates and terms are subject to change based on market conditions and borrower eligibility. This offer is subject to verification of borrower qualifications, property evaluations, income verification and credit approval. This is not a commitment to lend.5. The content provided is presented for information purposes only. This is not a The content provided is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.