1. Acceptance of Terms

By creating an account on CatalogIQ ("Platform", "we", "us"), you ("Artist", "User") agree to be bound by these Terms & Conditions. If you do not agree, do not create an account or use the Platform.

2. Data Collection & Use

By registering, you expressly consent to CatalogIQ collecting, storing, and processing the following data:

• Personal identifiers — name, email address, and phone number provided at registration.
• Royalty and financial data — all CSV files, stream counts, income figures, and related metadata you upload to the Platform.
• Underwriting outputs — catalog valuations, risk scores, DSCR calculations, loan terms, and composite scores generated from your submissions.
• Usage data — submission history, login timestamps, session activity, and platform interactions.

3. Permitted Uses of Your Data

You grant CatalogIQ a non-exclusive, worldwide, royalty-free license to use your data for the following purposes:

• Underwriting & Valuation — to generate catalog valuations, risk assessments, and financing term recommendations.
• Financing Outreach — to identify you as a potential candidate for royalty-backed loans, revenue-based financing (RBF), or other catalog financing products offered by CatalogIQ or its lending partners.
• Deal Flow & Portfolio Analytics — to aggregate anonymized and identifiable submission data for internal business analytics, deal sourcing, and portfolio management.
• Product Improvement — to improve the accuracy of our valuation models, risk scoring, and underwriting engine.
• B2B Services — to share aggregated or individual data with vetted lending partners, institutional investors, or music finance companies for the purpose of facilitating financing opportunities for you.

4. Data Retention

We retain your personal data and submission history for as long as your account is active, and for up to 7 years following account closure for financial record-keeping and regulatory compliance purposes.

5. Data Sharing

We may share your data with:

• Vetted third-party lending partners for the purpose of offering you financing.
• Service providers who operate the Platform on our behalf under confidentiality obligations.
• Regulatory or legal authorities if required by law.

We will never sell your personal data to unaffiliated third parties for advertising or marketing purposes unrelated to music financing.

6. Your Rights

You may request access to, correction of, or deletion of your personal data at any time by contacting us. Deletion requests will be honored within 30 days except where retention is required by law or active financing agreements.

7. Platform Use

The underwriting tool is provided free of charge. Results are estimates only and do not constitute a binding offer of financing. CatalogIQ reserves the right to modify, suspend, or discontinue the Platform at any time.

8. Disclaimer

Catalog valuations, risk scores, and loan terms generated by the Platform are algorithmic estimates based on submitted data. CatalogIQ makes no guarantee of accuracy or fitness for any particular purpose. Financing decisions are subject to additional review and approval.

9. Governing Law & Jurisdiction

CatalogIQ Partners is incorporated in the State of Delaware and operates in the States of New York and Massachusetts. These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the state and federal courts located in New York County, New York for resolution of any disputes arising under these Terms.

To the extent required by applicable Massachusetts law (including 201 CMR 17.00), CatalogIQ maintains reasonable security measures to protect personal information of Massachusetts residents. To the extent required by the New York SHIELD Act, CatalogIQ implements and maintains reasonable safeguards to protect the security, confidentiality, and integrity of private information of New York residents.

10. Contact

For questions regarding these Terms or your data, contact us at legal@ciqpartners.com.

This Privacy Policy explains how CatalogIQ Partners ("CatalogIQ", "we", "us") collects, uses, discloses, and protects personal information when you use our Platform. By creating an account, you agree to the practices described here.

1. Information We Collect

You provide: full name, email, phone number, password, royalty CSV files, stream counts, income figures, artist name, genre, and requested financing amounts.

Automatically collected: submission history, login timestamps, session activity, IP address, browser type, and operating system via standard server logs.

2. How We Use Your Information

• Provide catalog valuations, risk assessments, DSCR calculations, and financing term recommendations.
• Identify you as a candidate for royalty-backed loans, RBF, or other financing offered by CatalogIQ or its lending partners.
• Aggregate submission data for internal deal flow analytics and portfolio management.
• Share your profile with vetted lending partners and institutional investors to facilitate financing opportunities for you.
• Improve our valuation models and underwriting engine.
• Comply with legal obligations and enforce our Terms & Conditions.

3. How We Share Your Information

We do not sell your personal data for advertising. We may share with:

• Lending partners & investors — to identify and facilitate catalog financing opportunities.
• Service providers — hosting and database vendors under confidentiality obligations.
• Legal authorities — when required by law or court order.
• Business transfers — in connection with a merger or acquisition.

4. Data Retention

We retain your data while your account is active and for up to 7 years after closure for financial record-keeping and regulatory compliance. You may request deletion at any time (see Section 6).

5. Data Security

We use PBKDF2-SHA256 password hashing (260,000 iterations), 30-day session tokens with server-side invalidation, HTTPS encryption, and access controls. No method of internet transmission is 100% secure.

6. Your Rights

You may request to access, correct, delete, or export your personal data at any time by emailing privacy@ciqpartners.com. Deletion requests are honored within 30 days except where law or active financing agreements require retention.

7. State-Specific Rights

New York (SHIELD Act) — We maintain reasonable administrative, technical, and physical safeguards for NY residents' private information and will notify affected individuals of any breach as required by law.

Massachusetts (201 CMR 17.00) — We maintain a Written Information Security Program (WISP) and verify that third-party service providers handling MA residents' personal information maintain appropriate security measures.

Delaware (DOPPA) — We comply with applicable Delaware online privacy and data protection laws.

California (CCPA/CPRA) — CA residents may request to know, delete, or opt out of any sale of personal information (we do not sell personal information) without discrimination. Contact privacy@ciqpartners.com.

8. Children's Privacy

The Platform is not directed to individuals under 18. We do not knowingly collect data from minors.

9. Changes to This Policy

We may update this Policy periodically. Material changes will be posted with a revised date. Continued use of the Platform constitutes acceptance.

10. Contact

Questions or requests: privacy@ciqpartners.com — subject line "Privacy Request".