PDX Advisors LLC

PDX Privacy Policy

Last Updated: October 22, 2025.

PDX values the privacy of its customers and partners. This Privacy Policy outlines how PDX collects, uses, and discloses information obtained from visitors to our website and users of our PDX app. By accessing or using PDX’s website or PDX app, you agree to the terms and conditions of this Policy.

Scope of Application

This Policy applies to your use of the PDX app and any disputes related to privacy. It is incorporated by reference into our Terms of Use, including applicable limitations on damages and dispute resolution procedures.

Information Collection

PDX collects information about you through various methods, including:

  • Directly from you: When you register for information or submit forms on our website, PDX may collect optional information such as your name, email address, and identity verification details.
  • From third parties: PDX may obtain information about you from third-party sources, such as background check services, to comply with legal obligations and protect against fraud.
  • Automatically: PDX may automatically collect information about your use of our website or services through technologies like cookies, pixel tags, and analytics tools. This information may include your domain name, browser type, operating system, website pages viewed, links clicked, IP address, time spent on our website, and referring URLs. PDX may combine this information with other information collected about you.

Cookie and Tracking Mechanisms

For more details on PDX’s use of cookies and other tracking technologies, please refer to the section “Our Use of Cookies and Similar Technologies” below.

Use of Your Information To Provide Our Services

PDX uses your information to deliver and maintain our services. This includes using your personal information to:

  • Create and manage your account
  • Process payments and transactions
  • Provide customer support and assistance
  • Customize your experience based on your preferences and usage patterns To Communicate with You

PDX may use your information to communicate with you about your account, our services, and other relevant matters. This includes:

  • Sending you notifications, updates, and reminders
  • Responding to your inquiries and feedback
  • Providing customer support and assistance For Marketing and Promotional Purposes

PDX may use your information for marketing and promotional purposes, with your consent. This includes:

  • Sending you newsletters, special offers, and promotions
  • Tailoring advertising and content to your interests
  • Contacting you about products or services that may be relevant to you For Research and Analysis

PDX may use your information for research and analysis to improve our services and understand our users better. This includes:

  • Analyzing usage patterns and trends
  • Conducting surveys and user research
  • Developing new features and functionalities To Administer Our Customer Loyalty Program

If you participate in our customer loyalty program, PDX may use your information to track your participation, reward your loyalty, and provide you with exclusive benefits. This includes:

  • Tracking your purchases and points accrual
  • Redeeming rewards and benefits
  • Providing personalized offers and promotions.

Disclosure of Your Information Affiliates

  • PDX may share your information with its affiliated companies or subsidiaries. If this occurs, these affiliated entities will be subject to the same privacy protections as outlined in this Policy.

Service Providers

  • To provide our services effectively, PDX may share your information with third-party vendors, service providers, contractors, or agents who perform functions on our behalf. These entities are contractually obligated to handle your information in accordance with this Policy.

Business Transfers

  • In the event of a business transaction, such as a merger, acquisition, or bankruptcy, PDX may transfer your information to the involved entity. This transfer would be subject to the privacy practices of the new owner.

Legal Compliance

  • PDX may disclose your information to comply with applicable laws, regulations, court orders, or other legal processes, including in response to subpoenas or warrants.

Protection of Rights and Safety

  • PDX may share your information if necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, potential threats to the safety of individuals, violations of our Terms of Use or this Policy, or as evidence in legal proceedings.

Aggregate and De-Identified Information

PDX may share aggregated or de-identified information about our users with third parties for purposes such as marketing, advertising, or research. This information does not personally identify individual users

Our Use of Cookies and Similar Technologies

PDX and our third-party service providers utilize cookies and similar tracking technologies to gather information about your interactions with our website and services. This information may be combined with other personal data we collect about you. While our systems do not currently recognize “do-not-track” requests, you can modify your browser settings to disable certain tracking features, such as cookies.

Cookies

Cookies are small text files that our website transfers to your device for record-keeping purposes. They serve various functions, including:

  • Navigation: Making it easier to navigate our site.
  • Login: Enabling faster login processes.
  • Tracking: Monitoring your activities on our website and services.

There are two main types of cookies:

  • Session Cookies: These cookies are temporary and are deleted when you close your browser or device. They help our systems identify you during your online session.
  • Persistent Cookies: These cookies remain on your device after you close your browser. We use them to track aggregate and statistical information about user behaviour.

Disabling Cookies

Most web browsers automatically accept cookies. However, you can adjust your browser settings to block or manage cookies. Consult your browser’s help section for instructions on how to:

  • Prevent your browser from accepting new cookies.
  • Receive notifications when a new cookie is received.
  • Disable cookies altogether.

Please note that disabling cookies may limit your ability to access certain features of our website.

Local Storage Objects

We may use Flash cookies (also known as Local Shared Objects) to store your site preferences and personalize your experience. Flash cookies differ from browser cookies in terms of data storage. You may not be able to control, delete, or disable Flash cookies through your internet browser.

Clear GIFs, Pixel Tags, and Other Technologies

Clear GIFs (pixel tags) are tiny graphics embedded invisibly on web pages. They help us track visitor activities, manage content, and compile statistics about website usage. We may also use clear GIFs in emails to track response rates, identify email views, and monitor email forwarding.

Third-Party Analytics

PDX employs automated tools, such as Google Analytics, to analyze website usage and evaluate our services. These tools may utilize cookies and other tracking technologies to perform their functions. We do not share your personal information with these third-party analytics providers.

Links to External Websites

Our Site and Services may contain links to third-party websites. If you choose to visit a third-party website, please be aware that their privacy practices may differ from ours. We encourage you to review the privacy policies of any third-party websites you visit before providing any personal information.

Protection of Personal Information

PDX employs industry-standard security measures to safeguard your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to maintain the highest security standards, no data transmission or storage system can be completely immune to risks. We continually assess and update our security practices to protect your data.

Choices regarding promotional communications

PDX may periodically send promotional or informational emails to you. You have the right to opt out of receiving such communications by following the unsubscribe instructions provided in each email. Please allow up to 2 weeks or 10 business days for your opt-out request to be processed and implemented.

It is important to note that even if you choose not to receive marketing communications, PDX reserves the right to send you transactional emails related to your account or any services you have requested or received from us. These may include, but are not limited to, account notifications, service updates, and responses to your inquiries.

Children’s Privacy

PDX Services are not intended for use by individuals under the age of 13. PDX does not knowingly collect or maintain personal information from children under 13 years of age. In the event that we discover we have inadvertently collected

personal information from a child under 13, we will promptly take steps to delete such information from our records. If you have reason to believe that PDX may have unintentionally collected personal information from or about a child under the age of 13, please contact us immediately at [email protected] so that we can investigate and address the matter appropriately.

End User Services Agreement (US) Effective Date: July 1, 2019

Thanks for using Plaid! Plaid provides a platform (“Platform”) that allows you and other end users to connect your bank accounts and other financial accounts (“Accounts”) with applications that can help you do things like save for retirement, manage your spending, streamline credit applications or transfer money (“Apps”).

This End User Services Agreement (US) (“Agreement”) is an agreement between you and Plaid Inc. (“Plaid”, “we” or “us”). By accepting this Agreement or accessing my.plaid.com or your Plaid profile, you agree to this Agreement and certify that you have all necessary rights to do so. If you are accepting on behalf of your employer or another entity, you represent and warrant that: (i) you have full legal authority to bind your employer or such entity to this Agreement; (ii) you have read and understand this Agreement; and (iii) you agree to this Agreement on behalf of the party that you represent. If you do not have the legal authority to bind your employer or the applicable entity, please do not accept this Agreement or access the features covered by this Agreement.

Please note that this Agreement does not apply to the services we provide to the developers of Apps. Those services are covered by our Developer Terms of Use and other terms.

my.plaid.com.

You can use my.plaid.com to manage connections between your Accounts and Apps. my.plaid.com is designed to empower you with greater control over your financial data, but the decision to use any App remains yours. Your use of any App and Account, and the App and Account providers’ use of your data, is governed by separate terms between you and the applicable providers. Plaid is not responsible for any Apps or Accounts provided by third parties or the acts or omissions of any third-party providers, and does not guarantee that any Apps or Accounts will remain available or compatible with the Platform.

Plaid Profile Creation.

You need to create a profile with Plaid in order to use certain features of the Platform, including certain features of my.plaid.com. You also need to ensure that your information is accurate, complete and up-to-date. You must notify us if you learn of any unauthorized access to or use of your Plaid Profile.

Control and Responsibilities.

You represent and warrant that you have all necessary rights to use your Accounts and Apps with the Platform, and you agree to comply with all laws and regulations applicable to your use, as well as any rules and guidelines that we post. You must not (1) use or access anyone else’s Accounts or related data, (2) submit information about anyone else’s identity or Accounts or that violates any third-party rights or (3) use the Platform for any fraudulent, illegal or misleading purpose. You also agree not to (a) modify, reverse engineer or seek to gain unauthorized access to the Platform or related systems, data or source code, (b) bypass or circumvent measures designed to prevent or limit access to any part of the Platform, (c) rent, lease, provide access to or sublicense any elements of the Platform to a third party or use the Platform on behalf of or to provide services to third parties, (d) copy, modify or create derivative works of the Platform or remove any of Plaid’s proprietary notices, (e) access the Platform for competitive purposes or publish any benchmark or performance information about the Platform, or (f) use the Platform in any manner that could damage, disable, overburden, or impair the functioning of the Platform or interfere with, disrupt or negatively affect other users.

How Plaid Uses Your Data.

Please review our End User Privacy Policy to learn how Plaid uses data related to your Accounts (e.g., your Account login information and balance information). You should also refer to our Privacy Statement and Cookie Policy for information about what we collect from the use of our websites. If you have questions, contact us at [email protected].

Rights to the Platform.

Note that Plaid owns all rights, title and interest (including intellectual property rights) in and to the Platform (including my.plaid.com and Plaid Profile features) and our related websites and technology. If you choose to give us feedback, suggestions or other inputs about the Platform, we may use them without restriction.

Our Disclaimers.

TO THE EXTENT PERMITTED BY LAW, THE PLATFORM (INCLUDING

MY.PLAID.COM AND PLAID PROFILES) IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND ANY USE IS AT YOUR DISCRETION AND RISK. PLAID, ITS AFFILIATES AND ITS AND THEIR SUPPLIERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE OR NONINFRINGEMENT. PLAID DOES NOT WARRANT THAT USE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY OF YOUR DATA WILL BE ACCURATE OR COMPLETE OR THAT PLAID WILL MAINTAIN ANY DATA WITHOUT LOSS.

Liabilities for our Platform. TO THE EXTENT PERMITTED BY LAW, PLAID, ITS AFFILIATES AND ITS AND THEIR SUPPLIERS WILL NOT BE RESPONSIBLE FOR:

(A) ANY LOST PROFITS, LOSS OF USE, LOST OR INACCURATE DATA, FAILURE OF SECURITY MECHANISMS, FINANCIAL LOSSES, OR ANY INDIRECT, SPECIAL, INCIDENTAL, RELIANCE OR CONSEQUENTIAL DAMAGES OF ANY KIND OR (B) ANY DAMAGES OR AMOUNTS EXCEEDING, IN THE AGGREGATE, THE GREATER OF (1) THE AMOUNT YOU PAID US TO USE THE PLATFORM AND (2) ONE HUNDRED U.S. DOLLARS (US $100).

Dispute Resolution.

We hope you will have a positive experience using our Platform, but should a dispute between us arise out of or relating to these Terms, we agree to resolve the dispute by following these steps:

  1. Send us a notice, according to the Notices section below, describing the dispute and including all relevant facts so we know how to help you.
  2. Within 5 business days after our receipt of your notice, we will reach out to discuss your dispute with you.
  3. If we’re not able to resolve your dispute during our discussion, you will send us a written proposal for resolving your dispute.
  4. Within 15 business days after our receipt of your written proposal, we will let you know whether we agree to your proposal, or we will provide you with a counter-proposal.

After Step 4, it’s up to you to decide whether you’d like to continue to negotiate with us to resolve your dispute, or whether you’d like to pursue a resolution through some other means.

Throughout this process, both you and Plaid agree to negotiate in good faith and according to the terms of this section to resolve the dispute before resorting to litigation or some other form of dispute resolution procedure. All negotiations (including your notice, our discussions, and your and our proposals) pursuant to this section are confidential and treated as compromise and settlement negotiations for the purposes of federal and state rules of evidence and procedure. Notices.

Plaid may provide notices or communications to you through the email associated with your Plaid profile, through my.plaid.com or through other reasonable methods. All notices, requests and other communications to Plaid under this Agreement must be in writing to Plaid Inc., Attention: Legal, P.O. Box 7777 #35278, San Francisco, CA 94120-7775 (with a courtesy copy to [email protected] ) and will be deemed given when delivered.

Ending This Agreement.

At any time in its discretion, Plaid may terminate or suspend this Agreement (or your use of the Platform) with or without notice and for any or no reason, including if Plaid suspects that you have violated this Agreement. Plaid will have no liability to you for any termination or suspension, nor will such action limit any other rights or remedies Plaid may have. Except for your right to use the Platform, this Agreement will survive any termination.

About This Agreement.

This Agreement may not be transferred or assigned by you without Plaid’s prior written consent. Plaid may assign or transfer this Agreement to its affiliates or in connection with a merger, sale, reorganization or other change of control. In addition, Plaid’s affiliates, contractors and service providers may exercise Plaid’s rights or fulfill its obligations under this Agreement. Waivers must be in writing and no waivers will be implied. If any provision of this Agreement is held by a court of competent jurisdiction to be unenforceable for any reason, the remaining provisions will remain unaffected and in full force and effect. This Agreement is the final, complete and exclusive agreement between you and us relating the subject matter of this Agreement and supersedes all prior or contemporaneous understandings and agreements relating to such subject matter, whether oral or written. In this Agreement, headings are for convenience only and the term “including” (and similar terms) will be construed without limitation.

Plaid may modify this Agreement from time to time. Unless we specify otherwise, modifications take effect (and govern future use of the Platform, including my.plaid.com and your Plaid Profile) when we post the modified version. Plaid will use reasonable efforts to notify you of the modifications, and you may be required to agree to the modified version. If you do not agree to the modifications, your sole remedy is to cease using the Platform.

Contact Information for Privacy Inquiries

For any questions, concerns, or complaints regarding the privacy aspects of our Services, please don’t hesitate to contact our dedicated privacy team. You can reach us at [email protected]. We are committed to addressing your privacy-related inquiries promptly and thoroughly. Policy Updates and Notifications

This Privacy Policy is effective as of the date stated at the beginning of this document. PDX reserves the right to amend this Policy periodically to reflect changes in our practices and services. Any modifications will be posted on our website at pdxcoin.io/privacy. We encourage you to review this Policy regularly for any updates.

In the event of material changes that significantly affect how we handle personal information previously collected from you, we will make reasonable efforts to notify you in advance. Such notification may include, but is not limited to, prominently posting a notice of changes on our website or sending you a direct communication.

Your continued use of our services following the posting of changes to this Policy will be deemed your acceptance of those changes.