PRIVACY POLICY

Last Updated: December 17, 2025

Sovereign Offshore Services, LLC (“Sovereign Offshore Services, LLC”, Sovereign Offshore Services,
LLC d/b/a “Money & Markets, LLC”, “we,” “our,” or “us”) provides this privacy policy to describe how we
collect, use, and share the information of individuals who visit our website at moneyandmarkets.com (the “Website”) and all its
related websites owned or registered to Sovereign Offshore Services, LLC and any mobile
applications made available by us for use on, or through computers or mobile devices (the “Apps”). For more
information about Sovereign Offshore Services, LLC please visit www.moneyandmarkets.com. Sovereign Offshore
Services, LLC is the Controller of the personal data collected.

We know that your personal information is important to you and here at Sovereign Offshore Services,
LLC we are committed to ensuring it is kept secure and used carefully. 

Below you will find a short summary of how and why we collect and use your data, who we share it with, and
what we are doing to make sure your data is safe and secure.

Money & Markets publications including Green Zone Fortunes, Green Zone Fortunes Pro, 10X Stocks, Max
Profit Alert, Infinite Momentum Alert and Money and Markets are Sovereign Offshore
Services, LLC publications.

Sovereign Offshore Services, LLC is a privately owned publishing company based in Delray Beach,
Florida. We publish newsletters which provide insight and advice on investing.

We are part of a larger publishing group known as The Agora Companies (“group companies”). You can learn
more about Sovereign Offshore Services, LLC in the “About Us” section of our Website.

The information that we may collect about you broadly falls into two categories:

• Information that you provide

We may ask you to provide personal information when you visit our Website, Apps, order forms and third-party
websites where our advertisements are displayed, in order to provide our services to you. This includes your
contact details such as your name and email address. We may also collect this information from third parties
when you visit our website. We may also collect personal information, such as your mobile number, when you
opt-in to receive calls or SMS messages from us.  When you call our customer service team or speak with
our Telesales department, we do record our calls for training and regulatory purposes.

We use that information to deliver you subscriptions and so you can register an account with us, giving you
access to the subscriber-only areas of our Website and Apps. We also use this information to personalize and
improve your experience of our services, Website, Apps and communications with you, and for advertising and
marketing purposes, including sending you offers from selected partners. However, we do not sell or share
your mobile number or any personal information provided by you through SMS messaging, for advertising and
marketing purposes.

You may also provide payment information to pay for subscriptions or use a one-click order process.

• Information that we collect automatically

When you visit our Website, Apps and order forms, we may collect certain information automatically from your
device.

The data we collect may include information like your IP address, device type, unique device identification
numbers, browser-type, and other technical information. We may also collect information about how your
device has interacted with our Website, Apps or order form, including the pages accessed and links clicked.
This data is collected using cookies and similar technology.

We collect this information so we can better understand the visitors who come to our Website, Apps and look
at our forms and what content may be of interest to them. Using the information allows us to improve the
quality and relevance of our Website, Apps and services.

When you use the Apps that we offer, we may request permission to access certain functions such as your
camera, photos or location information. We may use this information to provide our products and services to
you. If you do not want us to access this information, please use the settings available on your mobile
device to deny these permissions. Please note that if you prevent us from accessing these functions, certain
features of the App may not work.

Our collection of Sensitive Personal Information is limited and we collect it directly from the consumer. We
utilize detailed consent outlining what we use it for at the point of collection. We have collected the
following categories of Sensitive Personal Information from consumers in the last 12 months:

• Account access information. Information such as account log-in, financial account, debit card, or
  credit card number in combination with any required security or access code, password, or
  credentials allowing access to an account
• Precise geolocation

We may disclose your personal information to the following categories of recipients:

• to our group companies who provide services to us, for example, enhancing the security of our
  Website, Apps or processing personal information for the purposes described in this privacy policy
  or as described to you when we collect your personal information;
• to third-party service providers who provide additional data processing services, for example,
  analyzing data, providing marketing assistance, assisting with the processing of credit card
  payments, delivering your subscriptions, or personalizing and improving your experience with us;
• to our group companies and to third parties (including, data resellers), so that they can market
  products and services we think may be of interest to you. This does not apply to text
  messaging programs;
• as part of a corporate sale, merger, or acquisition, or other transfer of all or part of our assets,
  including as part of a bankruptcy proceeding;
• to any competent law enforcement body, regulatory, government agency, or similar other third party
  where we believe disclosure is necessary as a matter of applicable law or regulation, or to
  exercise, establish or defend our legal rights or the rights of third parties; or
• with your consent or as otherwise disclosed at the time of data collection or sharing.

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on
behalf of us and others on non-affiliated platforms. Some of those ads may be personalized, meaning that
they are intended to be relevant to you based on information Advertising Providers collect about your use of
the Website, Apps and other sites or apps over time, including information about relationships among
different browsers and devices.

We may also work with third parties that collect data about your use of the Website, Apps and other sites or
apps over time for non-advertising purposes. Sovereign Offshore Services, LLC uses Google Analytics and
other third-party services to improve the performance of the website, Apps and for analytics and marketing
purposes. For more information about how Google Analytics collects and uses data when you use our Website,
visit www.google.com/policies/privacy/partners , and to opt out of Google Analytics,
visit tools.google.com/dlpage/gaoptout.

Cookies are small files placed on your hard drive by an internet server when you visit a website. Some
cookies can be used to identify your computer each time you visit a site.

Our Website uses cookies to allow authentication for access to the Subscriber Only areas of our sites. This
allows you to leave the site and come back without having to re-enter your email or user name and password
every time. We may also use cookies to track site usage, traffic patterns and to deliver ads for services we
think will be of interest to you.

Your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these
tools, our Website may not function as well as intended.

We respect your privacy choices and will honor any global privacy control signals you may send through your
browser or device.

Our Website may include hyperlinks to other websites or Apps that are not operated or controlled by us. This
privacy policy only applies to our Website and Apps and we are not responsible for the content or the
privacy practices of third-party websites. You should review the privacy notices of other websites that you
use to learn about their data practices.

The Website may also include integrated social media tools or “plug-ins,” such as social networking tools
offered by third parties. If you use these tools to share personal information or you otherwise interact
with these features on the Website, these companies may collect information about you and may use and share
such information in accordance with your account settings, including by sharing such information with the
general public. Your interactions with third-party companies and your use of their features are governed by
the privacy notices of the companies that provide those features. We encourage you to carefully read the
privacy notices of any accounts you create and use.

We require that all third party e-mails promoting moneyandmarkets.com or our products are sent only to those who have agreed to receive such messages. We prohibit any advertising of us and our websites using unsolicited email messages.
We will terminate our relationship with any third parties who do not comply with this policy.

If you feel you’ve been sent unsolicited emails promoting us or our websites and would like to register a
complaint, please email us privacy@moneyandmarkets.com. We will immediately investigate your complaint.

If at any time you wish to be removed from any of theSovereign Offshore Services, LLC mailing
lists, please click here to contact our customer service department.

We fund our free daily editorial emails, Banyan Edge by advertising our services and
those of other group companies (occasionally we may carry advertising for a third-party service) within our
editorial email, and by sending separate promotional emails. There is an unsubscribe link in each of these
emails and you can unsubscribe at any time.

We may update this privacy policy from time to time in response to changing legal, technical or business
developments. When we update our privacy policy, we will take appropriate measures to inform you, consistent
with the significance of the changes we make. We will obtain your consent to any material privacy policy
changes if and where this is required by applicable data protection laws. You can see when this privacy
policy was last updated by checking the “last updated” date displayed at the top of this privacy policy.

If you have any questions or concerns about our use of your personal information, please contact our Customer Service Team.

Address:
Sovereign Offshore Services, LLC
702 Cathedral
Street
Baltimore, MD, 21201

Toll-free 1-800-684-8471
International 1-443-353-4188

This section contains disclosures required by the California Consumer Privacy Act (“CCPA”), the California
Privacy Rights Act (“CPRA”), the Consumer Data Protection Act (“CDPA”), the Colorado Privacy Act (“CPA”),
the Connecticut Act Concerning Personal Data Privacy and Online Monitoring (“CTDPA”), the Consumer Privacy
Act (UCPA), the Oregon Consumer Privacy Act (OCPA), the Texas Data Privacy and Security Act (TDPSA), the
Montana Consumer Data Privacy Act (MTCDPA), the Iowa Consumer Data Protection Act (ICDPA), the Delaware
Personal Data Privacy Act (DPDPA), the Nebraska Data Privacy Act (NDPA), the New Hampshire Privacy Act
(NHPA), the New Jersey Data Privacy Act (NJPA), the Tennessee Information Protection Act (TIPA), the
Minnesota Consumer Data Privacy Act (MCDPA), the Maryland Online Data Privacy Act (MODPA), the Indiana
Consumer Data Protection Act (INCDPA), the Kentucky Consumer Data Protection Act (KCDPA), and the Rhode
Island Data Transparency and Privacy Protection Act (RIDTPPA), and applies only to “personal information”
that is subject to the CCPA/CPRA, CDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA, ICDPA, DPDPA, NDPA, NHPA,
NJPA, TIPA, MCDPA, MODPA, INCDPA, KCDPA and RIDTPPA. Consumers with disabilities may access this
notice by contacting our customer service team at 1-800-684-8471.

We collect the categories of personal information about California, Virginia, Colorado, Connecticut, Utah,
Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota and
Maryland consumers identified in the chart below. In the past 12 months we have disclosed and sold/shared
California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New
Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island consumers
identified in the chart below. In the past 12 months we have disclosed and sold/shared California, Virginia,
Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, New Jersey,
Tennessee, Minnesota, Maryland , Indiana, Kentucky and Rhode Island consumers’ personal information to third parties
for business or commercial purposes – details are set out in the chart below. We do not sell/share any data
collected for SMS programs.

We collect this personal information from the following categories of sources:

• Consumers
• Service providers
• Affiliates in our group companies
• Consumer data resellers

We use and disclose the personal information we collect for our commercial and business purposes as set out
in this privacy policy. These commercial and business purposes include, without limitation:

• Our commercial purposes, including marketing, advertising, and enabling commercial transactions.
• Our business purposes as identified in the CCPA/CPRA, CDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA,
  ICDPA, DPDPA, NDPA, NHPA, NJPA, TIPA, MCDPA, MODPA, INCDPA, KCDPA and RIDTPPA, which include:
  • Auditing related to our interactions with you
  • Legal compliance
  • Detecting and protecting against security incidents, fraud, and illegal activity
  • Debugging
  • Performing services (for us or our service provider) such as account servicing, processing
    orders and payments, and analytics
  • Internal research for technological improvement
  • Internal operations
  • Activities to maintain and improve our services
  • Effectuate a product recall
  • Comply with federal, state or local laws, rules or regulations
  • Comply with civil, criminal or regulatory inquiry, investigation, subpoena, or summons by
    federal, state, local, or other government authorities
  • Cooperate with law enforcement agencies concerning conduct or activity that we reasonably
    and in good faith believes may violate federal, state, or local laws, rules or regulations
  • Other one-time uses

We sell the categories of personal information listed above to the categories of third parties listed below:

• Service providers
• Affiliates in our group companies
• Consumer data resellers

We disclose the categories of personal information listed above to the categories of third parties listed
below for business purposes:

California, Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New
Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island residents have
certain rights with respect to the personal information collected by businesses. If you are a California,
Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, New
Jersey Tennessee, Minnesota, Maryland, Indiana, Kentucky or Rhode Island resident, you may exercise the
following rights regarding your personal information, subject to certain exceptions and limitations:

• The right to know/access the categories and specific pieces of personal
  information we collect, use, disclose, and sell/share about you; the categories of sources from
  which we collected your personal information; our purposes for collecting or selling/sharing your
  personal information; the categories of your personal information that we have either sold/shared or
  disclosed for a business purpose; and the categories of third parties with which we have shared
  personal information.
• The right to request that we delete the personal information we have collected from
  you or maintain about you. Upon receipt of a verifiable deletion request, we will delete your
  personal information from our records subject to certain exceptions provided by law. These
  exceptions may include situations where retaining your data is necessary to comply with legal
  obligations, complete transactions you requested, detect fraudulent activity, or for other permitted
  purposes.
• The right to opt out of our sale or sharing of your personal information. We offer
  two separate options for exercising this right:
  • Method 1: Opt-Out via Privacy Rights Webform
    • This method allows you to opt out of the sale or sharing of any personal information
      we handle in offline or non-internet transactions, such as the sale or sharing of
      customer records not related to cookies or online tracking technologies. To exercise
      this option, please use the webform hyperlinked at the bottom of this Privacy Policy
      section or click the Do Not Sell or Share My Personal Information link in
      the footer of the website.
  • Method 2: Opt-Out via Cookie Preference Center
    • This method allows you to opt out of the sale or sharing of your personal
      information processed via cookies, pixels, and other online tracking technologies
      used on our website. You can manage your preferences — including opting out of
      cookie-related data sale or sharing — by accessing our Cookie Policy, navigating to
      the “Disabling Cookies” section, and clicking on the Cookie Preference Center/Cookie
      Settings button. If you enable a global privacy control signal, we will recognize
      and process your request accordingly.
  • Please note that opting out via Method 1 will not affect cookies or other online tracking
    activities, and opting out via Method 2 will only address data shared or sold by these
    technologies.
• The right to correct inaccurate personal information we have collected from you or maintain about you (California, Virginia, Colorado, Connecticut, Oregon, Texas, Montana, Delaware, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island consumers only).
• The right to limit use and disclosure of sensitive personal information we have collected from you or maintain about you, if we use this information for any purpose other than the designated purpose you agreed to (California
  consumers only).
• The right to opt out of targeted advertising (Virginia, Colorado, Connecticut, Utah, Oregon, Texas, Montana, Iowa, Delaware, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island consumers only). In order to exercise your Right to Opt-Out of Targeted Advertising, please access our Cookie Policy, navigate to the Disabling Cookies section, and click on the Cookie Preference Center/Cookie Settings button. Here you can opt-out of the use of cookies and other tracking technologies used for the purposes of targeted advertising. If you enable a global privacy control signal, we will recognize and process your request accordingly.
• The right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects concerning you (Virginia, Colorado, Connecticut, Oregon, Texas, Montana, Delaware, Nebraska, New Hampshire, New Jersey, Tennessee, Minnesota, Maryland, Indiana, Kentucky and Rhode Island consumers only).
• The right to appeal should we be unable to act on your Privacy Request.
• The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA/CPRA, CDPA, CPA, CTDPA, UCPA, OCPA, TDPSA, MTCDPA, ICDPA, DPDPA, NDPA, NHPA, NJPA, TIPA, MCDPA, MODPA, INCDPA, KCDPA and RIDTPPA.

To exercise any of the above rights, please contact us as follows:

• By phone at 1-800-684-8471
• On our website by clicking on the “Do Not Sell My Info” link or by clicking here https://privacyportal.onetrust.com/webform/90ddaa87-9d70-4282-9d4f-d6cbd96bd224/ca24070c-df5b-4949-a458-872190be993a

California’s “Shine the Light” law allows California residents to ask us one time each year if we have
shared personal information with third parties for their direct marketing purpose. To make such a request,
please contact our Customer Service Team or write to us at: Sovereign Offshore Services, LLC,
702 Cathedral Street.

Under Nevada law, Nevada residents may submit a request directing us not to make certain disclosures of
personal information we maintain about them.

To exercise this right, please contact us:

• Online at https://privacyportal.onetrust.com/webform/90ddaa87-9d70-4282-9d4f-d6cbd96bd224/41353728-8598-47a6-86ea-6effb5863e64

We store your personal information, including sensitive personal information for different time periods
depending on the category of personal information. We determine how long we need personal information on a
case-by-case basis, but our goal is to keep your personal information for as short a period as possible to
achieve the purpose for which personal information is collected. We consider the following criteria when we
are making decisions on how long we will retain your personal information;

• The category of personal information
• Whether the personal information is to be deleted based on a specific schedule
• The personal information is necessary to operate or provide a service to you
• How long we need to retain the personal information to comply with our legal and tax obligations
• Our legitimate interests or legal purposes, such as fraud prevention, record-keeping requirements or
  enforcing our legal rights

We may need to request additional information from you to verify your identity or understand the scope of
your request, although you will not be required to create an account with us to submit a request or have it
fulfilled. At a minimum you will need to provide your name and email address.

You may designate an authorized agent to make a CCPA request on your behalf by informing our customer
service team at 1-800-684-8471. You will need to provide your name and address, your agent’s name and
address, and a copy of the document by which you appointed the agent.

We do not knowingly sell the personal information of minors under 16 years of age.

If you have issues accessing or reading anything provided by Sovereign Offshore Services, LLC, please
reach out to us at 1-800-684-8471 or by email at privacy@moneyandmarkets.com.

The Children’s Online Privacy Protection Act imposes requirements on operators of websites or online
services directed to children, and on operators of websites or online services that have actual knowledge
that they are collecting Personal Information about children under 13 years of age. Our currently policy is
not to collect, use, sell or share any Personal Information of any person under 13 years old. If this policy
changes, we will revise this portion of our Notice of Privacy Practices and will comply with the
requirements of the Children’s Online Privacy Protection Act.

Primarily personal information is collected, maintained and processed in the United States. The United
States may not have laws deemed adequate by the jurisdictions in which you reside. By visiting our website
and/or using our App, you acknowledge and unambiguously agree to such practices pertaining to the
collection, maintenance and processing of your personal information.

If you have any questions or concerns about our use of your personal information, please contact our
Customer Service team – privacy@moneyandmarkets.com.

Address:
Sovereign Offshore Services, LLC
702 Cathedral Street
Baltimore, MD, 21201

Toll-free 1-800-684-8471
International +1-443-353-4188