Choice Privacy Policy

WHAT DOES CHOICE FINANCIAL GROUP DO FACTS 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 incomeAccount balance and payment historyCredit history and credit scores When you are no longer our customer, we continue to share your information as described in this notice.
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 Choice Financial Group chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information:	Does Choice Financial Group 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

Questions?

Call 888.894.1357 or email [email protected]

For our affiliates’ everyday business purposes – information about your transactions and experiences	Yes	No
For our affiliates’ everyday business purposes – information about your creditworthiness	No	We don’t share
For non-affiliates to market to you	No	We don’t share

Who we are
Who is providing this notice?	Choice Financial Group

What we do
How does Choice Financial Group 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 Choice Financial Group collect my personal information?	We collect your personal information, for example, when you: Open an account or deposit moneyPay your bills or apply for a loanUse your debit or credit card We also collect your information from credit bureaus, 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 to market to you. State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Choice Financial Holdings, Inc.Choice Insurance Services, LLC
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. • Choice Financial Group does not share with nonaffiliates 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. • Choice Financial Group does not jointly market.

Lili is a financial technology company, not a bank. Banking services are provided by Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Choice Financial Group, Member FDIC, or Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. Please see the back of your Card for its issuing bank. The Card may be used everywhere Visa debit cards are accepted.

Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

¹ Available to Lili Pro, Lili Smart, and Lili Premium account holders only, applicable monthly account fee applies. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

² Available to Lili Smart and Lili Premium account holders only, applicable monthly account fee applies. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

³ The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of September 1, 2023. Must have at least $0.01 in savings to earn interest. The APY applies to balances of up to and including $100,000. Any portions of a balance over $100,000 will not earn interest or have a yield. Available to Lili Pro, Lili Smart, and Lili Premium account holders only.

⁴BalanceUp is a discretionary overdraft program for debit card purchases only, offered for Lili Pro, Lili Smart, and Lili Premium Account holders. You must meet eligibility requirements and enroll in the program. Once enrolled, your Account must remain in good standing with a deposit and spending history that meets our discretionary requirements to maintain access to the feature. BalanceUp overdraft limits of $20-$200 are provided at our sole discretion, and may be revoked any time, with or without notice.

⁵ Early access to ACH transfer funds depends on the timing of payer’s submission of transfers. Lili will generally post these transfers on the day they are received which can be up to 2 days earlier than the payer’s scheduled payment date.

⁶ Up to $1,000 per 24 hours period and a maximum of $9,000 per month. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

⁷ Lili AI and other reports related to income and expense provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

⁸Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Basic plan. Applicable monthly account fee applies for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to our Choice Financial Group Account Agreement if your Lili business deposit account was opened with Choice Financial Group, Member FDIC, or Sunrise Banks Account Agreement if your Lili business deposit account was opened with Sunrise Banks, N.A., Member FDIC.

⁹The Mail a Check, Outgoing Wire Transfers and Invite Your Accountant features are only available for Lili business deposit accounts opened through Sunrise Banks, N.A., Member FDIC.

Legal Documents

WHAT DOES CHOICE FINANCIAL GROUP DO FACTS WITH YOUR PERSONAL INFORMATION?