Annual Privacy Statement

Last updated: January 21, 2026

Why?

We deliver this notice to describe the nonpublic personal and financial information we collect and our practices regarding the protection, use, and disclosure of customer data.

What Information Do We Collect?

The types of information we collect vary depending on the activity related to your account. This may include:

• Name, address, and phone numbers
• Social Security number and income
• Account balance and payment history
• Credit history and transaction history
• Account activity
• Employment and asset information

How Do We Share?

Troy Capital does not share any information related to you or your accounts, except to service or manage your account, or as otherwise required by court order or law.

Reasons We Can Share Your Customer Information

Sharing occurs only as necessary for account management in ordinary business operations, including:

• Assignment to servicing companies
• Mailing providers
• Database administration support

Information Security

Access to your information is restricted to necessary employees and service providers. We maintain physical, electronic, and procedural safeguards that comply with applicable law. Third-party service providers must conform to our privacy standards and limit their use of your information to the specified purposes.