It’s Your Money, Get it Now!

Welcome to the DRB Capital’s website (the “Site”). To assist you in using the Site, and to ensure a clear understanding of the relationship arising from your use of our Site and the Services DRB Capital, LLC may offer through our Site, we have created (i) these Terms and Conditions of Use (the “Terms”) and (ii) a Privacy Policy. Our Privacy Policy explains how we treat information you provide to us through the Site, and our Terms govern your use of our Site. The following Terms apply to all of our sites, including sites owned, operated or sponsored by any of our affiliated companies (collectively referred to as “we”, “us” or “DRB Capital”).

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE YOU ACCESS OR USE THE SITE. BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OUR SITE.

AGREEMENT

Please review these Site Terms of Use (“Terms”) carefully, as they impose legal obligations on your use of the Site relative to our products, programs, and services (“Services”) and establish our legal relationship. These Terms are subject to change in our sole discretion. If DRB Capital revises these Terms, we will update this Site with the revised Terms. By using this Site, you agree to be bound by the Terms and any revisions that are posted. You agree that in the event any portion of these Terms are found to be unenforceable, the remainder of the Terms shall remain in full force and effect.

No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by your use of this Site. These Terms supersede any prior agreements between you and DRB Capital.

The laws of the State of Florida will govern the Content and materials contained in this Site, without giving effect to any principles of conflicts of laws. By accessing this site, you agree to the jurisdiction of the state or federal courts sitting in the State of Florida.

The following provisions shall survive the termination of these Terms and shall apply indefinitely: Ownership and Reservation of Rights, Disclaimers and Indemnification/Limitation of Liability.

OWNERSHIP AND RESERVATION OF RIGHTS

The information contained in this Site including all images, illustrations, designs, photographs, videoclips, writings and other materials (collectively referred to as “Content”) that appear herein are copyrights, trademarks, trade dress or other intellectual property owned by, controlled by, or licensed to DRB Capital. The name “DRB Capital” and names of our affiliated companies as well as their respective logos are the property of DRB Capital or its licensor(s) and may not be used in any way, including in advertising or publicity without our prior written permission. DRB Capital retains all rights with respect to the Site except those expressly granted to you below.

GRANT OF RIGHTS AND USE RESTRICTIONS

Provided you comply with these Terms, we grant you the right to access the Site for purposes of learning more about the Services and exchanging information in accordance with the functionalities provided by the Site (collectively, the “Permitted Purposes”). We also grant you the right to print a copy of the information contained herein for your personal use only, provided that you use such copy only for Permitted Purposes and that you retain any copyright or other proprietary notices as they appear on the Site. Apart from these express rights to use the Site and print out Site content for Permitted Purposes, you may not copy, reproduce, distribute, republish, download, display, post electronically or mechanically, transmit, record, in any manner mirror, photocopy, or reproduce the same without the prior written permission of DRB Capital.

We reserve the right at any time to terminate or suspend your right to access some or all of the Site if you engage in activities that we conclude, in our discretion, breach these terms or our Code of Conduct below.

DISCLAIMERS

DRB Capital does not provide professional financial or legal advice and the Site is not intended as a substitute for professional financial or legal advice. Persons accessing this information assume full responsibility for the use of the information and understand and agree that DRB Capital is not responsible or liable for any claim, loss or damage arising from the use of the information.

All content provided on the section “Recent Posts” is for informational purposes only. DRB Capital makes no representations as to the accuracy, completeness, currentness, suitability, or validity of such content and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.

DRB CAPITAL IS PROVIDING THIS SITE AND ITS CONTENTS ON AN “AS IS” BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ALTHOUGH DRB CAPITAL BELIEVES THE CONTENT TO BE ACCURATE, COMPLETE, AND CURRENT, DRB CAPITAL DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE ON THIS SITE IS ACCURATE, COMPLETE, OR CURRENT.

INDEMNIFICATION/ LIMITATION OF LIABILITY

You will indemnify and hold harmless DRB Capital and its subsidiaries, affiliates, officers, directors, owners, shareholders, employees, agents, printers, contractors, vendors, co-branders, suppliers, internet service providers, and partners from any loss, cost, claim, demand or other harm of any kind, including reasonable attorneys’ fees, due to or arising out of your unauthorized use of this Site or any violation by you of any laws or your violation of any rights of another person.

IN NO EVENT SHALL DRB CAPITAL BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ALL ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE.

CODE OF CONDUCT

As a condition to your use of the Site, you agree to follow our Code of Conduct set out below. Under this Code, you will not:

• Use the Website in a manner that could disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.
• Seek to obtain access to any materials or information through “hacking” or through any other means that we have not intentionally made available to you through the Site.
• Submit material that is intentionally false, defamatory, unlawfully threatening, illegal, or unlawfully harassing.
• Transmit materials through the Site that you know or should know contain viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information.
• Infringe any third party’s copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy. Electronic materials – such as music, videos, games, images, and text in electronic form — can easily be copied, modified and sent over networks (such as the internet). These electronic materials are thus extremely vulnerable to unauthorized distribution and copyright infringement. These materials may not be transmitted over the Website without the copyright owner’s permission, or without a legitimate “fair use” justification for the transmittal.

USER COMMENTS, FEEDBACK, AND OTHER INFORMATION SUBMISSIONS PROVIDED BY YOU

You agree that any comments, feedback or other information that you transmit to DRB Capital about this Site (“Transmissions”) shall be and remain DRB Capital’s property. Except as provided in our Privacy Policy, all Transmissions will be treated as non-confidential and non-proprietary and DRB Capital shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the Transmissions to others without limitation. Additionally, DRB Capital shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, or marketing products incorporating such information.

In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.

LINKS TO THIRD PARTY SITES OR CONTENT

The Site may contain links that reference links to third party websites (collectively “Linked Sites”). Links to third party content or sites are provided for your convenience and information only. We have no control over these Linked Sites or their content and does not assume responsibility or liability for any content, opinions, or materials available on Linked Sites. We do not endorse the content of any Linked Site, nor do we warrant that a Linked Site will be free of computer viruses or other harmful code that can impact your computer or other web-access device. By using the Site to search for or link to another site, you agree and understand that such use is at your own risk.

PRIVACY/TREATMENT OF INFORMATION OR DATA TRANSMITTED TO US

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

ALL PRODUCTS, PROGRAMS AND SERVICES MAY NOT BE AVAILABLE IN YOUR AREA

This Site is controlled by us from our offices within the United States. If you choose to access this Site from other jurisdictions, you do so at your own risk as you are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site.

DRB Capital is not authorized or licensed to do business in every jurisdiction. As such, the Services published on this Site may not be available in your state or country. Also, these Services are only available to individuals who are of legal age and residents of the United States. At our sole discretion, we may refuse any or all of our Services to anyone at any time.

MOBILE SERVICE PROGRAM

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you agree and consent to the receipt of offers and advertising communications from DRB Capital, including the receipt of calls and text messages to your mobile number, some of which may be generated by an auto dialer. You understand that such consent is not a condition to make a sale or purchase of any goods or services. To opt out from receiving such communications, you may email us at info@drbmail.com, call (855) 599-1700 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445. Visit Mobile Terms & Conditions for the full terms and conditions of the program.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

You agree that any and all controversies, claims, disputes, rights, interests, suits or causes of action between DRB Capital and you, or arising out of or relating to these Terms or the formation, validity and/or enforceability of this agreement to arbitrate (each, a “Arbitrable Claim”), as well as the question of arbitrability of any such Arbitrable Claim, shall be settled by binding arbitration before the American Arbitration Association (the “AAA”). Notwithstanding, you have the option to pursue an Arbitrable Claim in a court of law, but only if you opt-out of this arbitration provision in writing sent to DRB Capital via USPS Certified Mail, Return Receipt Requested, within 30 days of accessing the Site. Any opt-out request received after the 30-day period will not be valid. The arbitration will be held before a single arbitrator, subject to the Commercial Rules of the AAA. The arbitrator shall be appointed (i) by agreement between the parties, (ii) by one party, if the other party fails to respond within 30 days to a request by the first party to agree on an arbitrator, or (iii) by the AAA, if the parties attempt to but fail to reach an agreement. No arbitration hereunder shall include (by consolidation, joinder or in any other method) any third parties, except by written consent signed by DRB Capital and you. You have no right or authority to submit an Arbitrable Claim to be arbitrated on a class action basis or on any basis involving Arbitrable Claims brought in a purported representative capacity on behalf of the general public or other persons or entities similarly situated. YOU UNDERSTAND THAT YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS IN ANY PROCEEDING PERTAINING OR RELATING TO A CLAIM AND THE RIGHT TO SEEK RELIEF IN A COURT OF LAW, THAT YOU ARE EXPRESSLY WAIVING THE RIGHT TO SEEK REMEDIES IN A COURT OF LAW, AND THAT SOME RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE IN ARBITRATION.

EFFECTIVE DATE

The effective date of these Terms is April 6, 2022.

Effective Date: April 22, 2024

• 1. INTRODUCTION. This Privacy Policy (the “Policy”) explains how DRB Capital, LLC (“DRB Capital”, “we”, “us”, “our”) collects, uses, and discloses personal information through its website (the “Site”) and otherwise as a result of its structured settlement and annuity purchasing services (collectively with the website, the “Services”). By using or accessing the Services in any manner, you acknowledge that you accept the practices and policies outlined in this Policy, and you hereby consent that we will collect, use, and share your personal information in the following ways.
• 2. INFORMATION COLLECTED AND HOW WE USE IT. As explained further in this section, you will have the opportunity to provide us with certain personal information. In addition, we may collect certain personal information automatically through your use of the Services. The rest of this section provides a more detailed explanation of the personal information we collect and how we use that personal information.
  • 2.1. Voluntarily Disclosed Information. The following table identifies the specific purposes for which you may voluntarily disclose personal information to us.

• • 2.2. Sensitive Personal Information. Certain of the information we collect from you (as identified in the table above) may be deemed to be “Sensitive personal information” under applicable law. We only use your sensitive personal information for the purposes identified in the table above, and do not use it for any other purposes.
  • 2.3. Automatically Collected Information. Whenever you interact with the Site, certain information may be collected via cookies. “Cookies” are identifiers we or our Site vendors transfer to your browser or device that enable recognition of your browser or device. The cookies on our Site solely collect information to the extent needed to provide the functionality of the Site (like our chat function) and track activity on the Site. We use Google Analytics to understand how visitors engage with our Site. You can learn more about the information that Google has access to at the following website: https://policies.google.com/technologies/partner-sites. The National Advertising Initiative provides a helpful overview for disabling cookies. In addition, you may modify cookie settings directly on our Site. Please note that if you delete, or choose not to accept, cookies from the Site, you may not be able to utilize certain features of the Site to their fullest potential.
• 3. DISCLOSURE OF PERSONAL INFORMATION. We may disclose your personal information as detailed in this section.
  • 3.1. Personnel and Third Party Service Providers. We employ personnel and engage other companies and people to perform tasks on our behalf and need to share your personal information with them to provide products or services to you. For example, we use a cloud-based records management platform to store the contact information of our customers. In addition, we rely on a third-party vendor to help us review applications from potential customers.
  • 3.2. Business Transfers. If we (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, personal information could be one of the assets transferred to or acquired by a third party.
  • 3.3. Legal Compliance. We reserve the right to access, read, preserve, and disclose any information that we believe is necessary to comply with governmental requests, law enforcement or court orders, or enforce or apply our Terms of Service and other agreements.
  • 3.4. California Residents Under 16 Years of Age. California law requires us to confirm whether we sell or “share” the personal information of users under 16 years of age, as those terms are defined under California law. We do not sell or share the personal information of users under 16 years of age.
• 4. SECURITY. We use commercially reasonable physical, managerial, and technical safeguards to preserve the integrity and security of your personal information. In addition, we rely on the technical safeguards provided by the third-party service providers we use to host, store, and process your personal information. We cannot, however, ensure or warrant that your personal information on the third-party service providers may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards.
• 5. YOUR RIGHTS.
  • 5.1. Rights of Users in California. If you live in California, you have the following rights:
    • 5.1.1. Right to Know: The right to request that we disclose to you the personal information we collect, use, disclose, sell, and information about our data practices.
    • 5.1.2. Right to Request Correction: The right to request that we correct inaccurate personal information that we maintain about you.
    • 5.1.3. Right to Request Deletion: The right to request that we delete your personal information that we have collected from or about you. We may reject your request if it is reasonably necessary to maintain your personal information in order to complete the transaction for which we collected the personal information, comply with law, or other applicable reasons that are permitted under applicable law and that will be communicated to you upon receipt of your request. You may not request the removal of de-identified, anonymous, or aggregate data from our databases.
    • 5.1.4. Right to Portability: The right to request that we provide you with your personal information in a common file format.
    • 5.1.5. Right to Opt Out of Sales and Targeted Advertising: The right to opt out of our sale of your personal information and the processing of your personal information obtained from your activities on nonaffiliated websites or online applications for the purposes of targeted advertising. We only disclose your personal information as set forth in Section 3 above and do not sell your personal information or share it for the purpose of targeted advertising.
    • 5.1.6. Right to Non-Discrimination: The right not to receive discriminatory treatment for exercising your privacy rights.
  • 5.2. Rights of Users in Nevada. We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by contacting us. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us.
  • 5.3. Rights of Users in The European Union And The United Kingdom. At this time, DRB Capital does not conduct business with residents of the European Union or the United Kingdom (collectively, the “EU/UK”) and, therefore, does not intend to collect Personal Information of residents of the EU/UK. If you are a resident of the EU/UK, DO NOT USE THE SITE. In the event DRB Capital inadvertently collects and/or processes Personal Information of EU/UK residents, please note that DRB Capital processes Personal Information both as a Processor and as a Controller, as those terms apply under the General Data Protective Regulation of the EU and the United Kingdom General Data Protection Regulation (collectively, the “GDPR”). If you are a resident of the EU/UK and we have inadvertently collected your Personal Information, you have the right to access the information we have on you, and to ask that we correct or delete the data. If requested by you, we will send you a copy of your Personal Information electronically. IF YOU DO NOT AGREE TO THE USE OF COOKIES, PLEASE CONTACT US. This notice, as amended, is effective May 11, 2023.
  • 5.4. Rights of All Other Users. Regardless of where you reside, if you would like to access or modify any of the personal information we have collected about you, you can contact us in accordance with Section 5.3. We may reject your request if it is reasonably necessary to maintain your personal information in order to complete the transaction for which we collected the personal information, comply with law, or other applicable reasons that are permitted under applicable law and that will be communicated to you upon receipt of your request. You may not request the removal of de-identified, anonymous, or aggregate data from our databases.
  • 5.5. How to Exercise Your Rights. If you wish to exercise any of the rights set out above, please contact us at optout@drbmail.com. If you have authorized an agent to exercise your rights on your behalf, the agent may contact us at optout@drbmail.com. Please note that to protect your personal information and the integrity of our Services, we may need to collect additional information to verify your identity (and, if applicable, the authority of your agent) before processing your request.
• 6. RETENTION OF INFORMATION. Subject to your right to request deletion of your personal information in accordance with Section 5, we will retain your personal information as long as needed for your use of the Services, your approved receipt of marketing communications from us, our compliance with legal obligations, and to protect our or other’s interests.
• 7. HOW WE RESPOND TO DO NOT TRACK SIGNALS. We do not track you or collect your personal information across third party websites or online services. Thus, we do not receive Do-Not-Track signals, or other similar signals. To the extent that we do receive any such signals, we will not comply with them as it is not an aspect of the functionality of the Services.
• 8. AGE OF USERS. Children under the age of 18 are not permitted to use, access or register for the Services in any way. We do not knowingly collect or solicit information from anyone under the age of 18. If we learn that we have collected personal information from a child under the age of 18, we will delete that information as quickly as possible.
• 9. CHANGES TO POLICY. We’re constantly trying to improve the Services, so we may need to change this Policy from time to time as well. The date of the last modification will be posted at the beginning of this Policy. It is your responsibility to check from time to time for updates. By continuing to access or use the Services, you are indicating that you agree to be bound by the modified Policy.
• 10. CONTACT US. If you have any questions or concerns regarding this Policy, please send us a detailed message to info@drbmail.com, and we will try to resolve your concerns.

MOBILE SERVICE PROGRAM

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you agree and consent to the receipt of offers and adverting communications from DRB Capital, including the receipt of calls and text messages to your mobile number, some of which may be generated by an auto dialer. You understand that such consent is not a condition to make a sale or purchase of any goods or services. To opt out from receiving such communications, you may email us at info@drbmail.com, call (800) 717-1000 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445.

PROGRAM DESCRIPTION

DRB Capital is proud to offer mobile text alerts, to send you offers, requests, and information regarding your options to obtain liquidity from DRB Capital. Through DRB Capital’s Mobile Service Program, all mobile subscribers may opt-in to receive the text alerts through SMS messages straight to the subscriber’s phone. No purchase or sale is required as a condition to participate in the program.

CARRIERS SUPPORTED

This service is available for phones with text messaging capabilities, and subscribers on AT&T, Verizon Wireless, T-Mobile®, Sprint, Virgin Mobile USA, Cincinnati Bell, Centennial Wireless, Unicel, U.S. Cellular®, and Boost.

COST

There are no premium charges associated with this Mobile Service; however message and data rates may apply.

OPT-IN

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you opt-in to receive messages and alerts from DRB Capital.

HOW TO OPT-OUT OF OUR MOBILE SERVICE PROGRAM

To opt-out of the Mobile Service Program, and request to stop receiving such text communications, you may email us at info@drbmail.com, call (800) 717-1000 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445.

SUPPORT / HELP

For support or information about our Mobile Service Program, text HELP at any time to 99000. You can also email us at info@drbmail.com or call (800)717-1000.

PRIVACY POLICY

Click here to read our privacy policy.