Navon Finance LLC (“Navon”) utilizes automated technologies, including artificial intelligence (“AI”), machine learning tools, and other data-processing systems, as part of its loan application, underwriting, fraud-prevention, document-review, and risk-assessment processes.

These technologies may assist Navon in collecting, organizing, extracting, analyzing, summarizing, scoring, validating, and reviewing information submitted by applicants, guarantors, brokers, and third-party data providers. Automated tools may also be used to identify inconsistencies, flag potential risks, assist in document review, facilitate communications, generate internal summaries, and support underwriting personnel during the evaluation process. Navon’s automated technologies are intended to assist human decision-makers and improve the efficiency, consistency, and accuracy of the underwriting process. Automated tools do not independently approve or deny loan applications, determine final loan terms, or make final credit decisions.

All final lending decisions, including approvals, conditional approvals, counteroffers, requests for additional information, and adverse credit decisions, are reviewed and made by qualified human underwriters or other authorized personnel. Applicants acknowledge and understand that information provided during the application process may be processed through automated systems and AI-assisted technologies. Such processing may include review of business information, financial information, property information, credit-related information, identity verification data, public records, and other information relevant to the underwriting process.

Navon may obtain information from third-party sources, including credit reporting agencies, business credit providers, property valuation providers, identity verification providers, fraud-prevention services, and other lawful data sources, in connection with evaluating an application. Nothing in this disclosure guarantees approval of any application, financing request, or loan product. All applications remain subject to Navon’s underwriting criteria, risk management policies, verification procedures, legal requirements, and business judgment.

ECOA AND ADVERSE ACTION NOTICES

If Navon takes an adverse action on a completed application, Navon will provide any notices required under applicable law, including the Equal Credit Opportunity Act (“ECOA”), Regulation B, the Fair Credit Reporting Act (“FCRA”), and other applicable federal or state laws. Where required by law, adverse action notices may identify principal reasons for a credit decision and may include information regarding consumer reports, credit scores, or other information considered during the underwriting process. Applicants may have additional rights under applicable federal or state law regarding credit decisions, consumer reports, and adverse action notices.