Privacy Policy

01

Who We Are

Hold-It™ ("Hold-It," "we," "us," or "our") is a financial technology platform and brand owned and operated by Mass Exodus LLC, a North Carolina limited liability company. Our registered address is 4214 West Wendover Ave. #1254, Greensboro, NC 27407. Our website is located at holditexodus.com.

Hold-It™ is currently in pre-launch development. This Privacy Policy governs the collection and use of personal information through our waitlist and website.

02

Information We Collect

We collect only what we need. Currently, the only personal information we collect is:

• Email address — when you voluntarily join our Hold Your Spot list via the "Hold My Spot" form on our website
• Goal preference — an optional savings goal category you may select after joining (e.g. "Vacation / Trip"). This is voluntary and used solely to improve our product development priorities
• UTM parameters — automatically collected to understand which page or source referred you to our site
• Technical data — standard server logs including IP address, browser type, and device information, collected automatically by Cloudflare when you visit our site

We do not collect payment information, Social Security numbers, government IDs, or any sensitive financial data at this time.

03

How We Use Your Information

Your email address is used solely to:

• Send you updates about Hold-It™ product development and launch timelines
• Notify you when early access or beta invitations become available
• Send occasional communications about intentional spending and our platform
• Respond to any inquiries you send us directly

We will never use your email to send unsolicited third-party marketing or spam. Every email we send includes an unsubscribe link.

04

Third-Party Data Processors

We use the following trusted third-party services to operate our platform. Each has their own privacy policy governing their data practices:

Beehiiv
Your email address is stored and managed by Beehiiv, Inc., our email marketing platform. When you submit your email via our waitlist form, it is transmitted to Beehiiv via their API and stored on their servers. Beehiiv handles email delivery, list management, and unsubscribe processing. View Beehiiv's Privacy Policy at beehiiv.com/privacy.

Cloudflare
Our website and infrastructure are powered by Cloudflare, Inc. Cloudflare provides DNS, CDN, security, and serverless computing services. Cloudflare may process your IP address and technical data as part of normal network operations. View Cloudflare's Privacy Policy at cloudflare.com/privacypolicy.

Cloudflare Pages
Our website is hosted on Cloudflare Pages. Cloudflare may collect standard web analytics and security data including IP addresses and request logs. View Cloudflare's Privacy Policy at cloudflare.com/privacypolicy.

05

Cookies & Tracking

Our website may use basic cookies and similar technologies for functionality purposes. We do not currently use advertising cookies, behavioral tracking pixels, or retargeting technologies.

Cloudflare may set cookies as part of their security and performance services. These are functional cookies necessary for the operation of our site and do not track your browsing behavior across other websites.

You can control cookie settings through your browser preferences. Disabling cookies may affect certain site functionality.

06

Important Financial Disclaimers

Not a Bank. Hold-It™ is a financial technology platform and is not a bank, credit union, savings institution, or licensed financial institution. Hold-It does not accept deposits, hold funds, or provide banking services. Any references to "Vault," "Savings," "Fund," or similar terms on this website describe features of our planned software platform only and do not imply the existence of any regulated deposit account, banking relationship, or FDIC insurance.

Not Financial Advice. Hold-It™ is not a registered investment advisor, broker-dealer, financial planner, or fiduciary. Nothing on this website constitutes financial, investment, legal, or tax advice. The content on this site is for informational and promotional purposes only. You should consult a qualified financial professional before making any financial decisions.

07

Waitlist Terms

By joining the Hold-It™ waitlist you acknowledge and agree to the following:

• Joining the waitlist does not guarantee access to any product, feature, or service
• There is no guaranteed timeline for product launch or beta access
• Hold-It™ reserves the right to modify, delay, or discontinue any planned product or feature without notice
• Waitlist position does not create any contractual obligation between you and Hold-It™
• You may unsubscribe from waitlist communications at any time using the unsubscribe link in any email

08

Data Sharing & Sale

We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes.

We may share your information only in the following limited circumstances:

• With our service providers (Beehiiv, Cloudflare) solely to operate our platform as described in this policy
• If required by law, court order, or valid legal process
• To protect the rights, safety, or property of Hold-It™ or the public
• In connection with a merger, acquisition, or sale of company assets, in which case you will be notified

09

Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access — Request a copy of the personal information we hold about you
• Correction — Request correction of inaccurate information
• Deletion — Request deletion of your personal information
• Unsubscribe — Opt out of email communications at any time via the unsubscribe link in any email or by contacting us directly

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

10

Children's Privacy

Hold-It™ is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information to us, please contact us at [email protected] and we will promptly delete it.

11

Governing Law

This Privacy Policy is governed by the laws of the State of North Carolina, United States, without regard to its conflict of law provisions. Any disputes arising under this policy shall be resolved in the courts of North Carolina.

12

Changes to This Policy

We may update this Privacy Policy from time to time as our platform develops. When we make material changes, we will update the "Last Updated" date at the top of this page and notify waitlist subscribers via email. Your continued use of our website or membership on our waitlist after changes are posted constitutes your acceptance of the updated policy.