Effective Date: August 6, 2026

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Nord Young, LLC ("Nord Young," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit nordyoung.com or engage our services. It forms part of, and should be read together with, our Terms & Conditions. Nord Young is the controller of the personal information described here.

1. Information We Collect

We may collect the following information when you contact us, request our services, or subscribe to our updates:

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• Name and company name.

• Email address and phone number.

• Business information, such as vessel details, cargo information, and insurance or energy needs.

• Compliance and due diligence information you provide, including ownership details and responses to our due diligence questionnaire.

• Newsletter and marketing sign-up details.

• Any other information you voluntarily provide.

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When you visit our website, we may automatically collect:

• IP address.

• Browser type and version.

• Device information.

• Pages visited and time spent on pages.

• Referring website addresses and similar cookie or analytics identifiers.

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Much of the information we handle is business contact and transaction information provided in a commercial context.

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2. How We Use Your Information

We use the information we collect to:

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• Provide insurance brokerage, claims, compliance, and energy services.

• Respond to your inquiries and service requests.

• Process quotes and applications and facilitate transactions with carriers, suppliers, and other counterparties.

• Conduct due diligence and sanctions and trade compliance screening.

• Send service communications and, where permitted, newsletters and marketing, from which you can opt out at any time.

• Improve our website and services.

• Comply with legal and regulatory requirements.

• Prevent fraud and maintain security.

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For individuals in the EU or UK, the lawful bases on which we rely are described in the Regional Disclosures section below.

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3. How We Share Your Information

We may share your information with:

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• Insurance carriers and underwriters, to obtain quotes and bind coverage.

• Fuel suppliers and other counterparties, to facilitate energy and brokerage transactions.

• Service providers and sub-processors who support our operations, including cloud hosting [Wix], database [Supabase], customer relationship management (CRM) [Self], email [Outlook], and analytics providers [Self], under contracts that require them to protect your information.

• Compliance and sanctions screening tools and providers.

• Legal and regulatory authorities, when required by law.

• Business partners, with your consent.

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We do not sell your personal information to third parties.

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4. Data Security

Nord Young uses a client relationship management system and related tools to store and manage client information. We apply reasonable and appropriate technical and organizational measures designed to protect that information, including access controls and encryption of data in transit and, where applicable, at rest.

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No method of transmission or storage over the internet is completely secure, and we cannot guarantee absolute security. You acknowledge the inherent risks of online communication.

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5. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records are typically retained for at least seven years in accordance with industry standards. Actual retention periods may vary by record type and jurisdiction.

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6. Cookies and Tracking Technologies

We and our website platform may use cookies and similar technologies to enable core functionality and to understand how the site is used. You can control cookies through your browser settings. Where required, including for visitors in the EU and UK, we will obtain consent for non-essential cookies through a consent mechanism before they are set.

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7. International Data Transfers

We are based in the United States and store and process information in the United States. If you access our website or services from outside the United States, your information may be transferred to and processed in the United States.

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Where we transfer personal information of individuals in the EU, UK, or other regions with transfer restrictions, we will rely on an appropriate safeguard, such as Standard Contractual Clauses.

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8. Your Rights

Subject to applicable law, you have the right to:

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• Access the personal information we hold about you.

• Request correction of inaccurate information.

• Request deletion of your information, subject to legal retention requirements.

• Opt out of marketing communications.

• Object to or restrict certain processing of your information.

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To exercise these rights, contact us at richard.young@nordyoung.com. Additional region-specific rights are described below.

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9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites, and this Privacy Policy does not apply to them.

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10. Children’s Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect information from children. If you believe a child has provided us information, please contact us and we will delete it.

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11. Regional Disclosures

For California residents. Under the California Consumer Privacy Act, as amended, you have the right to know the categories and specific pieces of personal information we have collected, the right to request correction or deletion of your personal information, and the right to opt out of the sale or sharing of personal information. We do not sell or share personal information as those terms are defined by that law.

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For EU and UK residents. Under the GDPR and UK GDPR, you have rights of access, rectification, erasure, restriction of processing, data portability, and objection, and the right to lodge a complaint with a supervisory authority. The lawful bases on which we rely include performance of a contract with you, compliance with our legal obligations, your consent (for example, for marketing), and our legitimate interests in operating and securing our business.

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12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Effective Date" at the top of this policy. We encourage you to review it periodically.

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13. Contact Us

If you have questions or concerns about this Privacy Policy, or wish to exercise your rights, please contact us:

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Nord Young, LLC

Email: richard.young@nordyoung.com

Phone: +1 (865) 230-6948

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© 2026 Nord Young, LLC. All rights reserved.