PRIVACY POLICY

Last updated 3/10/2026

This Privacy Notice for Knife & Ledger, LLC (“we,” “us,” or “our”) describes how and why we might access, collect, store, use, and share (“process”) your personal information when you use our services (“Services”), including when you:

• Visit our website at http://www.knifeledger.com, or any website of ours that links to this Privacy Notice

• Engage with us in other related ways, including any marketing or events

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at [email protected].

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice. You can find more details about any of these topics by using the table of contents below.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We do not process sensitive personal information.

Do we collect any information from third parties? We do not collect any information from third parties.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure.

What are your rights? Depending on where you are located, applicable privacy law may give you certain rights regarding your personal information.

How do you exercise your rights? The easiest way is by visiting https://www.knifeledger.com/data-request or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?

2. HOW DO WE PROCESS YOUR INFORMATION?

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?

4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

6. HOW LONG DO WE KEEP YOUR INFORMATION?

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

8. DO WE COLLECT INFORMATION FROM MINORS?

9. WHAT ARE YOUR PRIVACY RIGHTS?

10. CONTROLS FOR DO-NOT-TRACK FEATURES

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

12. DO WE MAKE UPDATES TO THIS NOTICE?

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

15. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

The personal information we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include:

• Names

• Phone numbers

• Email addresses

• Mailing addresses

• Contact preferences

• Debit/credit card numbers

• Billing addresses

• Passwords

• Usernames

• Contact or authentication data

Sensitive information: We do not process sensitive information.

Payment We may collect data necessary to process your payment if you choose to make purchases, such as your payment instrument number and the security code associated with your payment instrument. All payment data is handled and stored by PayPal.com and Stripe. You may find their privacy notices here: https://www.paypal.com/us/legalhub/paypal/privacy-full#personalData and https://stripe.com/privacy.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes.

Information automatically collected

In short: Some information – such as your IP address and/or browser and device characteristics – is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies. You can find out more in our Cookie Notice: https://www.knifeledger.com/cookies.

The information we collect includes:

• Log and usage data. This includes service-related, diagnostic, usage, and performance information (such as IP address, device information, browser type, pages viewed, and actions taken in the Services).

• Location data. We may collect location data, which can be precise or imprecise, based on your device and settings (for example, IP-based location). You can disable location collection in your device settings, but some features may not work properly if you do.

Mobile Information Sharing

When you opt in to receive SMS communications from Knife & Ledger, LLC, we may share your mobile phone number with third-party SMS providers (such as Twilio) solely to deliver the messages you have consented to receive. These providers are contractually obligated to:

• Process your phone number only for the purpose of sending authorized SMS messages on our behalf

• Maintain appropriate security measures to protect your information

• Not use, sell, or share your phone number for any other purpose

We do not share your mobile phone number with any other third parties for marketing or advertising purposes.

2. HOW DO WE PROCESS YOUR INFORMATION?

In short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts.

• To deliver and facilitate delivery of services to you.

• To respond to user inquiries and offer support.

• To send administrative information to you (for example, product updates, service changes, and policy updates).

• To fulfill and manage your orders, payments, returns, and exchanges.

• To enable user-to-user communications, if applicable.

• To request feedback and to contact you about your use of our Services.

• To send you marketing and promotional communications, in accordance with your marketing preferences.

• To deliver targeted advertising to you, where allowed by law and in accordance with our Cookie Notice.

• To post testimonials, with appropriate consent where required.

• To protect our Services, including fraud monitoring and prevention.

• To evaluate and improve our Services, products, marketing, and your experience.

• To determine the effectiveness of our marketing and promotional campaigns.

• To comply with legal obligations and resolve disputes.

SMS opt-in and communications

If you voluntarily provide your mobile phone number and expressly opt in, we may process your phone number and related contact preferences to send you SMS (text) messages. These may include:

• Confirmations of form submissions or other actions you take on our website

• Reminders and alerts to complete next steps in a workflow or sales process (for example, clicking a link to continue in a funnel)

• Ongoing contact nurture and marketing messages, such as tips, updates, and promotional offers related to our services

We may use third-party providers (such as Twilio) to send these messages on our behalf. Message frequency is generally no more than approximately one message per week as part of an active program. You can opt out of SMS communications at any time by replying STOP to any message you receive from us or by contacting us at [email protected]; message and data rates may apply, and mobile carriers are not liable for delayed or undelivered messages.

3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR PERSONAL INFORMATION?

If you are in the EU, UK, or another region with similar laws, we rely on certain legal bases to process your personal information, such as:

• Your consent

• Performance of a contract with you

• Compliance with legal obligations

• Legitimate interests, where these are not overridden by your rights and interests

If you are located in Canada, we may process your information with your express or implied consent or in other situations permitted by law (for example, fraud prevention, investigations, or as otherwise allowed by applicable law).

4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We may share your personal information in specific situations, such as:

• With service providers and vendors who perform services for us and require access to such information to do that work (for example, payment processors, hosting providers, analytics providers, SMS providers like Twilio, email service providers).

• In connection with a business transfer (for example, merger, sale of company assets, financing, or acquisition).

• With our professional advisors (for example, lawyers, accountants, auditors).

• When required by law (for example, to comply with a subpoena or similar legal process).

• To protect our rights, property, and safety, or the rights, property, and safety of others.

We do not sell your personal information in the sense commonly understood under US state privacy laws.

5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice: https://www.knifeledger.com/cookies.

6. HOW LONG DO WE KEEP YOUR INFORMATION?

We keep your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law (for example, tax, accounting, or other legal requirements). When we have no ongoing legitimate business need to process your personal information, we will delete or anonymize it.

7. HOW DO WE KEEP YOUR INFORMATION SAFE?

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that unauthorized third parties will not be able to defeat our security and improperly access, steal, or modify your information.

8. DO WE COLLECT INFORMATION FROM MINORS?

We do not knowingly collect data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18. If we learn that personal information from users under 18 has been collected, we will deactivate the account and take reasonable measures to promptly delete such data.

9. WHAT ARE YOUR PRIVACY RIGHTS?

Depending on where you are located, you may have certain rights under applicable data protection laws, which can include:

• The right to know whether we are processing your personal data

• The right to access your personal data

• The right to correct inaccuracies in your personal data

• The right to request deletion of your personal data

• The right to obtain a copy of the personal data you previously shared with us

• The right to non-discrimination for exercising your rights

• The right to opt out of certain processing (for example, targeted advertising, “sale” of personal data, or certain profiling)

Some US states and other jurisdictions may provide additional rights.

How to exercise your rights

You can exercise your rights by:

• Visiting https://www.knifeledger.com/data-request

• Contacting us at [email protected]

We will consider and act upon any request in accordance with applicable data protection laws. We may ask you to verify your identity before we respond to your request.

You may also have the right to lodge a complaint with your local data protection authority.

Marketing communications: You can opt out of marketing emails by following the unsubscribe instructions in the emails we send or by contacting us. You can opt out of SMS marketing and notifications by replying STOP to any message or contacting us at [email protected].

10. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting. At this time, no uniform technology standard for recognizing and implementing DNT signals has been finalized, and we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard is adopted that we must follow in the future, we will describe that practice in an updated version of this Privacy Notice.

11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

If you are a resident of certain US states (such as California, Colorado, Connecticut, Virginia, and others with applicable privacy laws), you may have specific rights regarding your personal information, including the rights described above (access, deletion, correction, opt-out, etc.). We will honor these rights where they apply and as required by law.

You can exercise these rights by using the methods described in the “What are your privacy rights?” section above.

12. DO WE MAKE UPDATES TO THIS NOTICE?

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated “Last updated” date and will be effective as soon as it is accessible. We encourage you to review this Privacy Notice frequently to stay informed of how we are protecting your information.

13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may contact us at:

Knife & Ledger, LLC

Email: [email protected]

14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the laws of your country or state, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please visit: https://www.knifeledger.com/data-request or contact us at [email protected].