Privacy Policy

Last
Updated: September 5, 2025

This Privacy Policy explains how Denkyem,
SPC (“Denkyem,” “we” or “us”) collects, uses and discloses information we collect
about you when you access or use our websites and online services (collectively,
the “Services”), or when you otherwise interact with us. This Privacy Policy
applies to the personal information we collect about individuals that use our
Services and does not govern the information we collect about businesses.

We may change this Privacy Policy from
time to time.  If we make changes, we
will notify you by revising the date at the top of the policy and, in some
cases, we may provide you with additional notice (such as adding a statement to
our homepage or sending you a notification).
We encourage you to review the Privacy Policy whenever you access the Services
or otherwise interact with us to stay informed about our information practices
and the ways you can help protect your privacy.

Collection
of Information 		Information You Provide to Us
We collect information
you provide directly to us.  For
example, we collect information about you when you register for an account, submit
an application for financial assistance for your company, contact us, subscribe
to our updates, or otherwise communicate with us.  The types of information you may provide include
your name, email address, phone number, employment information (such as your
current role and work history), community involvement and any other
information you choose to provide.  As
part of evaluating whether to provide financial assistance, we may also
collect financial information, such as information contained in your bank
statements and information contained in your tax returns.
Information We Collect Automatically When You Use
the Services
When you access or use
our website, we automatically collect information about you, including:
Log Information:  We collect log information
about your use of the Services, including the type of browser you use, access
times, pages viewed, your IP address and the page you visited before
navigating to our Services.Information Collected by Cookies and Other Tracking
Technologies:  We use various technologies to collect
information, including cookies and web beacons.  Cookies are small data files stored on your
hard drive or in device memory that help us improve our Services and your
experience, see which areas and features of our Services are popular, and
count visits.  Web beacons are electronic
images that may be used in our Services or emails and help deliver cookies,
count visits and understand usage and campaign effectiveness.Information We Collect from Other Sources
We may also obtain
information from other sources.  For
example, we may collect information about you from individuals you list as
references in your loan application, identity verification services, credit
bureaus, mailing list providers and publicly available sources.
Use of
Information		 We may use information we collect about you to:
provide, maintain and
improve our Services;Evaluate applications
for financial assistance; Send you technical
notices, updates, security alerts and support and administrative messages;Respond to your
comments, questions and requests and provide customer service;Communicate with you
about services and events offered by Denkyem and others, and provide news and
information we think will be of interest to you;Monitor and analyze
trends, usage and activities in connection with our  Services; Detect, investigate and
prevent fraudulent transactions and other illegal activities and protect the
rights and property of Denkyem and others; and improve the Services and provide advertisements,
content or features that match user profiles or interests; and·     Carry out any other
purpose described to you at the time the information was collected.
Sharing
of Information		 We may share information about you as follows or as otherwise described
in this Privacy Policy:
With vendors who access
such information to carry out work on our behalf; In response to a
request for information if we believe disclosure is in accordance with, or
required by, any applicable law, regulation or legal process, including
lawful requests by public authorities to meet national security or law
enforcement requirements;If we believe your
actions are inconsistent with our user agreements or policies, or to protect
the rights, property and safety of Denkyem or others;In connection with, or
during negotiations of, any merger, sale of company assets, financing or
acquisition of all or a portion of our business by another company; Between and among Denkyem
and our current and future parents, affiliates, subsidiaries and other
companies under common control and ownership; andWith your consent or at
your direction.We may also share aggregated or de-identified information, which cannot
reasonably be used to identify you.No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All OPT-IN requests include text messaging originator opt-in data and consent; this information will not be shared with third parties.
Analytics Services Provided by Others We may allow others to
provide analytics services  on our behalf.
These entities may use cookies, web beacons,
and other technologies to collect information about your use of the Services and
other websites and applications, including your IP address, web browser,  pages viewed, time spent on pages or in apps,
and links clicked.  This information
may be used by Denkeyem  to, among
other things, analyze and track data, determine the popularity of certain
content, and better understand your online activity.
Transfer of Information
to the U.S. and Other Countries		 Denkyem is based in the United States.
By accessing or using the Services or otherwise providing information
to us, you consent to the processing, transfer and storage of information in
and to the U.S. and other countries, where you may not have the same rights
and protections as you do under local law.
Your
Choices		 Cookies
Most web
browsers are set to accept cookies by default.  If you prefer, you can usually choose to
set your browser to remove or reject browser cookies.  Please note that if you choose to remove or
reject cookies, this could affect the availability and functionality of our Services.
Promotional
Communications
You may opt out of receiving promotional emails from Denkyem by following
the instructions in those emails.  If
you opt out, we may still send you non-promotional emails, such as those
about your account or our ongoing business relations.
Contact
Us		 If you have any questions about this Privacy Policy, please contact us
at:  241 Williams Ave S,
Ste E, Renton, WA 98057 info@denkyemcoop.com