Privacy Policy

_{Effective Date: June 8th, 2026}

_{Last Updated: June 8th, 2026}

_{This Privacy Policy explains how CNH Holdings Inc and its subsiderary Elite Business Exchange. collects, uses, stores, discloses, protects, and processes personal information when users access or use CNH websites, platforms, applications, tools, services, data rooms, valuation tools, analytics systems, communication tools, listing systems, buyer portals, seller portals, broker portals, lender portals, institutional products, and related services.}

_{This Privacy Policy applies to all CNH-owned, affiliated, subsidiary, branded, or white-labeled platforms and services, including but not limited to:}

• _{CNH Holdings Inc.;}
• _{Elite Business Exchange;}
• _{Smart Biz Exchange;}
• _{S2 Strategic Partners;}
• _ModelCore;
• _Insight360;
• _DealStream;
• _{PrivateStack;}
• _InsightX;
• _{CNH websites;}
• _{CNH data rooms;}
• _{CNH valuation tools;}
• _{CNH analytics tools;}
• _{CNH enterprise products;}
• _{CNH lender or institutional portals;}
• _{Related CNH services.}

_{For purposes of this Privacy Policy, “CNH,” “Company,” “we,” “us,” or “our” means CNH Holdings Inc. and its affiliates, subsidiaries, successors, assigns, contractors, service providers, and authorized representatives.}

_{“User,” “you,” or “your” means any person accessing or using the Platform, including brokers, sellers, buyers, lenders, advisors, investors, institutions, enterprise users, website visitors, account holders, authorized representatives, and other users.}

_{By accessing or using the Platform, you agree to this Privacy Policy.}

‍Plain-English Summary

^{This summary is for convenience only. If there is a conflict between this summary and the full Privacy Policy, the full Privacy Policy controls.}

^{CNH’s privacy position is:}

• ^{CNH collects personal information needed to operate accounts, listings, data rooms, subscriptions, communications, buyer/seller/broker/lender workflows, and platform tools.}
• ^{CNH may share information with authorized users when needed for platform functionality.}
• ^{CNH may use service providers to host, process, secure, analyze, and support the Platform.}
• ^{CNH logs activity such as document views, downloads, account access, messages, and data room usage for security, audit, analytics, and platform operations.}
• ^{CNH may use personal information to communicate with users, provide services, process payments, prevent fraud, and improve products.}
• ^{CNH may retain information for legal, business, security, transaction, and compliance purposes.}
• ^{CNH may transfer information in connection with financing, acquisition, sale, licensing, restructuring, white-label deployment, or other business transactions.}
• ^{CNH’s Data Usage Agreement separately governs business data, platform data, derived data, anonymized data, benchmark data, AI/model data, and platform intelligence.}

_{1. Purpose of This Privacy Policy}

• _{What personal information CNH collects;}
• _{How CNH collects personal information;}
• _{How CNH uses personal information;}
• _{How CNH shares personal information;}
• _{How CNH protects personal information;}
• _{How long CNH may retain personal information;}
• _{What choices users may have regarding personal information;}
• _{How this Privacy Policy relates to CNH’s Data Usage Agreement.}

_{‍This Privacy Policy explains:This Privacy Policy is intended to address personal information. Business information, transaction information, platform data, derived data, analytics, anonymized data, de-identified data, benchmark data, and platform intelligence are also governed by CNH’s Data Usage Agreement.}

_{2. Relationship to Other CNH Agreements}

_{‍This Privacy Policy supplements CNH’s:}

• _{Master Platform Terms of Service;}
• _{Data Usage Agreement;}
• _{Platform Confidentiality Agreement;}
• _{Broker and Intermediary User Agreement;}
• _{Seller User Agreement;}
• _{Buyer User Agreement;}
• _{Lender and Institutional User Agreement;}
• _{AI, Valuation, Analytics, and Model Output Terms;}
• _{Subscription and Billing Terms;}
• _{Data Room Access Terms;}
• _{API and Data Access Terms;}
• _{Enterprise Agreements;}
• _{White-Label or Licensing Agreements;}
• _{Any applicable order form, statement of work, or written agreement.}

_{‍Questions or requests regarding this Privacy Policy may be directed to:CNH Holdings Inc.
Attn: Privacy
30 N Gould St. # 47506, Sheridan, WY 82801
[Insert Email]
[Insert Phone Number]}

_{‍3. Personal Information We May Collect}

_{‍24. Contact Information}

_{‍CNH may collect personal information directly from users, automatically through the Platform, from other users, from service providers, from business partners, from public sources, or from third-party data sources.Personal information may include:}

_{‍CNH may update this Privacy Policy from time to time.If changes are material, CNH may provide notice by:}

• _{Posting the updated policy;}
• _{Sending an email;}
• _{Providing an in-platform notice;}
• _{Updating the effective date;}
• _{Other reasonable means.}

_{‍A. Account Information}

• _Name;
• _{Email address;}
• _{Phone number;}
• _Username;
• _{Password or authentication credentials;}
• _{Role or user type;}
• _{Company name;}
• _{Job title;}
• _{Brokerage, institution, employer, or organization;}
• _{Account preferences;}
• _{Subscription information;}
• _{User permissions;}
• _{Profile information.}

• _{Mailing address;}
• _{Business address;}
• _{Billing address;}
• _{Email address;}
• _{Phone number;}
• _{Communication preferences;}
• _{Referral information.}

_{‍23. Changes to This Privacy Policy}

_{‍Depending on Platform functionality, CNH may collect or process:}

• _{Identity verification information;}
• _{Business affiliation information;}
• _{Professional license or credential information;}
• _{Buyer qualification information;}
• _{Seller authority information;}
• _{Broker authority information;}
• _{Lender or institutional authorization information;}
• _{Proof of funds-related identifying information;}
• _{Authorized representative information.}

_{‍If CNH is involved in a merger, acquisition, financing, sale of assets, sale of equity, restructuring, reorganization, bankruptcy, assignment, affiliate transfer, licensing arrangement, white-label arrangement, sale of subsidiary, product spin-off, strategic partnership, or similar transaction, personal information may be disclosed, transferred, assigned, licensed, or made available as part of that transaction.This may include information associated with CNH, EBE, SBE, S2, ModelCore, Insight360, DealStream, PrivateStack, or related products.The receiving party may continue to process information consistent with this Privacy Policy and applicable agreements.}

_{‍D. Payment and Billing Information}

_{‍22. Business Transfers}

_{‍CNH may collect or process:}

• _{Billing name;}
• _{Billing address;}
• _{Payment method information;}
• _{Subscription plan;}
• _{Invoice history;}
• _{Payment status;}
• _{Transaction history;}
• _{Tax information where applicable.}

_{‍The Platform may contain links to third-party websites, tools, services, integrations, or platforms.CNH is not responsible for the privacy practices, content, security, or terms of third-party services.Users should review third-party privacy policies before using those services.}

_{‍E. Communications}

_{‍21. Third-Party Links and Services}

_{‍CNH may collect and retain communications, including:}

• _Emails;
• _{Platform messages;}
• _{Support requests;}
• _{Chat messages;}
• _{Inquiry forms;}
• _{Buyer/seller communications;}
• _{Broker communications;}
• _{Lender communications;}
• _{Data room Q&A;}
• _{Meeting notes;}
• _{Call notes;}
• _Feedback;
• _{Survey responses;}
• _{Testimonials or comments submitted by users.}

_{‍CNH does not intend to collect sensitive personal information unless necessary for a specific Platform function, transaction workflow, verification process, legal requirement, or user-submitted purpose.Sensitive personal information may include certain financial information, identity verification information, account credentials, or other information protected by law.Users should not upload unnecessary sensitive personal information.Where sensitive personal information is submitted, CNH may process it according to this Privacy Policy, applicable agreements, and applicable law.}

_{‍CNH may collect information about how users interact with the Platform, including:}

• _{Login activity;}
• _{Pages viewed;}
• _{Features used;}
• _{Listings viewed;}
• _{Searches performed;}
• _{Documents accessed;}
• _{Data rooms accessed;}
• _{Messages sent;}
• _{Files uploaded;}
• _{Files downloaded;}
• _{Reports generated;}
• _{Valuation tools used;}
• _{Analytics viewed;}
• _{Buyer inquiries submitted;}
• _{Seller listings created;}
• _{Broker workflows used;}
• _{Lender or institutional dashboards accessed.}

_{‍20. Sensitive Personal Information}

_{‍CNH may collect technical information, including:}

• _{IP address;}
• _{Browser type;}
• _{Device type;}
• _{Operating system;}
• _{Referring pages;}
• _{Session information;}
• _{Access times;}
• _{Cookie identifiers;}
• _{Device identifiers;}
• _{Error logs;}
• _{Security logs;}
• _{API logs;}
• _{Authentication events;}
• _{Approximate location inferred from IP address.}

_{‍If applicable, California residents may have additional rights under California privacy laws. CNH may collect the following categories of personal information:}

• _Identifiers;
• _{Commercial information;}
• _{Internet or network activity information;}
• _{Professional or employment-related information;}
• _{Geolocation information based on approximate IP location;}
• _{Inferences drawn from Platform activity;}
• _{Account and communication information.}

_{‍Because CNH platforms support business sales, acquisitions, lending, and diligence workflows, some business information may contain personal information, including:}

• _{Owner names;}
• _{Employee information;}
• _{Customer contact details;}
• _{Vendor contact details;}
• _{Advisor contact details;}
• _{Broker contact details;}
• _{Buyer representative details;}
• _{Lender representative details;}
• _{Shareholder, member, partner, or officer information.}

_{‍19. California Privacy Notice}

_{‍4. Information Users Submit About Others}

_{CNH may need to verify your identity before processing certain requests.}

_{‍Users may submit information about other individuals, including owners, employees, buyers, sellers, brokers, advisors, lenders, contractors, customers, vendors, partners, shareholders, members, managers, or representatives.By submitting personal information about another person, you represent that:}

• _{You have authority to provide the information;}
• _{You have obtained any required consent;}
• _{Your submission does not violate law, contract, privacy obligation, confidentiality duty, or third-party right;}
• _{The information is accurate to the best of your knowledge.}

_{Contact: [Insert Privacy Email]}

_{‍5. How CNH Collects Personal Information}

_{ATTN: Privacy}

_{‍CNH may collect personal information:}

• _{Directly from you;}
• _{When you create an account;}
• _{When you complete forms;}
• _{When you upload documents;}
• _{When you create listings;}
• _{When you submit buyer or seller information;}
• _{When you request valuations or reports;}
• _{When you access data rooms;}
• _{When you communicate through the Platform;}
• _{When you contact support;}
• _{When you make payments;}
• _{When you attend meetings or events;}
• _{When another user invites you to the Platform;}
• _{When another user submits your information;}
• _{Automatically through cookies, logs, and similar technologies;}
• _{From service providers;}
• _{From business partners;}
• _{From public sources;}
• _{From third-party data sources where lawful.}

_{‍Depending on your location and applicable law, you may have certain privacy rights, which may include the right to:}

• _{Request access to personal information;}
• _{Request correction of personal information;}
• _{Request deletion of personal information;}
• _{Request a copy of personal information;}
• _{Object to or restrict certain processing;}
• _{Opt out of certain marketing communications;}
• _{Appeal certain privacy decisions where required by law.}

_{‍A. Provide and Operate the Platform}

• _{Create and manage accounts;}
• _{Authenticate users;}
• _{Provide access to Platform features;}
• _{Display listings;}
• _{Enable messaging;}
• _{Manage data rooms;}
• _{Support buyer/seller/broker/lender workflows;}
• _{Provide valuation and analytics tools;}
• _{Generate reports;}
• _{Enable subscriptions;}
• _{Provide customer support;}
• _{Maintain user permissions.}

• _{Facilitate buyer inquiries;}
• _{Support seller listing workflows;}
• _{Support broker workflows;}
• _{Support lender or institutional review;}
• _{Enable data room permissions;}
• _{Track document access;}
• _{Support diligence workflows;}
• _{Support financing-readiness workflows;}
• _{Support communication between authorized parties;}
• _{Support user verification and qualification.}

• _{Analyze Platform usage;}
• _{Improve user experience;}
• _{Improve workflows;}
• _{Improve valuation tools;}
• _{Improve analytics tools;}
• _{Improve AI and model systems;}
• _{Develop new features;}
• _{Troubleshoot issues;}
• _{Measure product performance;}
• _{Generate aggregated, anonymized, de-identified, derived, or benchmark data as described in the Data Usage Agreement.}

• _{Send account notices;}
• _{Send security alerts;}
• _{Send support messages;}
• _{Send billing notices;}
• _{Send product updates;}
• _{Send transactional notifications;}
• _{Respond to inquiries;}
• _{Request feedback;}
• _{Send marketing communications where permitted.}

• _{Process subscriptions;}
• _{Send invoices;}
• _{Manage payments;}
• _{Prevent payment fraud;}
• _{Manage taxes;}
• _{Resolve billing disputes;}
• _{Enforce payment terms.}

• _{Detect unauthorized access;}
• _{Prevent fraud;}
• _{Protect accounts;}
• _{Investigate suspicious activity;}
• _{Enforce agreements;}
• _{Prevent misuse of confidential information;}
• _{Prevent scraping or unauthorized data extraction;}
• _{Protect CNH, users, and third parties.}

• _{Comply with law;}
• _{Respond to subpoenas, court orders, or government requests;}
• _{Maintain business records;}
• _{Resolve disputes;}
• _{Enforce legal rights;}
• _{Defend claims;}
• _{Support audits;}
• _{Comply with regulatory obligations where applicable.}

• _{Manage CNH business operations;}
• _{Conduct financing, investment, diligence, or corporate planning;}
• _{Support mergers, acquisitions, restructurings, sales, licensing, enterprise deployments, white-label arrangements, or business transfers;}
• _{Transfer information as part of a permitted business transaction.}

_{‍18. State Privacy Rights}

_{‍CNH may use personal information and related platform activity as part of broader Platform operations, analytics, security, product development, and data-processing workflows.However, CNH’s use of business, transaction, platform, derived, anonymized, aggregated, de-identified, benchmark, and intelligence data is governed primarily by CNH’s Data Usage Agreement. CNH may use personal information to create or support:}

• _{Aggregated Data;}
• _{Anonymized Data;}
• _{De-Identified Data;}
• _{Derived Data;}
• _{Benchmark Data;}
• _{Platform Intelligence;}
• _{AI/Model Data;}
• _{Statistical outputs;}
• _{Product improvements;}
• _{Market intelligence.}

_{‍CNH is based in the United States.If you access the Platform from outside the United States, you acknowledge that your information may be processed, stored, or transferred in the United States or other locations where CNH or its service providers operate.Data protection laws in those locations may differ from the laws in your jurisdiction.}

_{‍8. How CNH Shares Personal Information}

_{‍17. International Users}

_{‍CNH may share personal information in the following circumstances:}

_{‍The Platform is intended for business and professional use.CNH does not knowingly collect personal information from children under the age of 13.If CNH becomes aware that it has collected personal information from a child under 13 without appropriate consent, CNH will take reasonable steps to delete such information.}

_{‍A. With Authorized Platform Users}

_{‍16. Children’s Privacy}

_{‍CNH may share information with users authorized to access it, including:}

• _Brokers;
• _Sellers;
• _Buyers;
• _Lenders;
• _Advisors;
• _{Institutions;}
• _{Enterprise administrators;}
• _{Data room administrators;}
• _{Transaction participants;}
• _{Authorized representatives.}

_{‍Depending on Platform functionality, users may be able to:}

• _{Update account information;}
• _{Change communication preferences;}
• _{Modify profile information;}
• _{Manage listing visibility;}
• _{Manage data room permissions;}
• _{Remove documents;}
• _{Invite or remove users;}
• _{Opt out of marketing emails;}
• _{Request access to certain information;}
• _{Request correction of certain information;}
• _{Request deletion of certain information.}

_{‍B. With Service Providers}

_{‍Users may request deletion of certain personal information, subject to:}

• _{Legal obligations;}
• _{Contractual obligations;}
• _{Recordkeeping requirements;}
• _{Security needs;}
• _{Fraud prevention;}
• _{Dispute resolution;}
• _{Backup retention;}
• _{Technical limitations;}
• _{Business operations;}
• _{Transaction records;}
• _{Data room records;}
• _{Compliance obligations;}
• _{CNH’s legitimate business interests.}

• _{Aggregated Data;}
• _{Anonymized Data;}
• _{De-Identified Data;}
• _{Derived Data;}
• _{Benchmark Data;}
• _{Platform Intelligence;}
• _{AI/Model Data;}
• _{Security logs;}
• _{Legal records;}
• _{Transaction records;}
• _{Billing records;}
• _{Audit trails;}
• _{Backup records;}
• _{Data retained as necessary for legitimate business, legal, compliance, fraud prevention, or security purposes.}

_{‍CNH may share information with third-party service providers who help operate the Platform, including:}

• _{Hosting providers;}
• _{Payment processors;}
• _{CRM providers;}
• _{Email providers;}
• _{Messaging providers;}
• _{Analytics providers;}
• _{Security providers;}
• _{Identity verification providers;}
• _{E-signature providers;}
• _{Customer support tools;}
• _Developers;
• _Consultants;
• _{Legal, accounting, and professional advisors.}

_{‍14. Deletion Requests}

_{‍C. With Business Partners or Integrated Services}

_{‍CNH may retain personal information for as long as reasonably necessary to:}

• _{Provide the Platform;}
• _{Maintain accounts;}
• _{Support subscriptions;}
• _{Process payments;}
• _{Provide customer support;}
• _{Maintain transaction records;}
• _{Maintain data room records;}
• _{Comply with law;}
• _{Resolve disputes;}
• _{Enforce agreements;}
• _{Prevent fraud;}
• _{Protect security;}
• _{Maintain audit trails;}
• _{Improve products;}
• _{Support business operations;}
• _{Preserve legal rights.}

_{‍CNH may share information with authorized business partners or integrated services where needed to provide a requested feature, service, integration, transaction workflow, financing workflow, data room workflow, or enterprise functionality.}

_{‍CNH uses commercially reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.However, no system is completely secure.CNH does not guarantee that unauthorized access, cyber incidents, data loss, or security breaches will never occur.Users are responsible for:}

• _{Protecting login credentials;}
• _{Using secure passwords;}
• _{Managing account access;}
• _{Not sharing credentials;}
• _{Reviewing permissions;}
• _{Securing devices;}
• _{Promptly notifying CNH of suspected unauthorized access.}

_{‍D. With Legal Authorities or Required Parties}

_{‍12. Security}

_{‍CNH may disclose information when required or reasonably necessary to:}

• _{Comply with law;}
• _{Respond to legal process;}
• _{Comply with court orders;}
• _{Respond to subpoenas;}
• _{Cooperate with regulatory requests;}
• _{Protect rights;}
• _{Investigate fraud;}
• _{Prevent harm;}
• _{Enforce agreements;}
• _{Defend legal claims.}

_{‍Certain Platform activity may be visible to authorized users.For example:}

• _{Sellers or brokers may see buyer document views;}
• _{Sellers or brokers may see buyer inquiries;}
• _{Enterprise administrators may see team usage;}
• _{Data room administrators may see access logs;}
• _{CNH administrators may review activity for support, security, compliance, or enforcement;}
• _{Lenders or institutions may see information shared with them through authorized workflows.}

_{‍CNH may disclose, transfer, assign, or make available personal information in connection with:}

• _Merger;
• _Acquisition;
• _Financing;
• _Investment;
• _{Sale of assets;}
• _{Sale of equity;}
• _{Corporate restructuring;}
• _{Reorganization;}
• _Bankruptcy;
• _Assignment;
• _{Affiliate transfer;}
• _{Subsidiary sale;}
• _{Product spin-off;}
• _{White-label licensing;}
• _{Platform licensing;}
• _{Strategic partnership;}
• _{Enterprise deployment;}
• _{Sale or licensing of a CNH product line.}

_{‍11. Data Room and Activity Visibility}

_{‍F. With Consent or Direction}

_{‍CNH may use contact information to send marketing communications, product updates, newsletters, event invitations, surveys, promotional materials, or educational content where permitted by law.Users may opt out of marketing emails by using unsubscribe links or contacting CNH.Even if you opt out of marketing communications, CNH may still send transactional, security, billing, account, legal, or service-related communications.}

_{‍CNH may share information when you consent, request, authorize, invite another user, grant data room access, submit an inquiry, connect with a broker, connect with a buyer, connect with a lender, or otherwise direct CNH to share information.}

_{‍10. Marketing Communications}

_{‍G. Aggregated, Anonymized, De-Identified, or Derived Data}

_{‍CNH may use cookies, pixels, local storage, session identifiers, analytics tools, and similar technologies to:}

• _{Keep users logged in;}
• _{Remember preferences;}
• _{Improve Platform performance;}
• _{Analyze usage;}
• _{Measure marketing effectiveness;}
• _{Detect fraud;}
• _{Improve security;}
• _{Support product development;}
• _{Personalize user experience.}

_{‍CNH may share aggregated, anonymized, de-identified, derived, benchmark, statistical, or platform intelligence data as described in the Data Usage Agreement.This type of data is not intended to directly identify a specific person.}

_{‍9. Cookies and Similar Technologies}