Panacea Financial Holdings, Inc. Website and Mobile Privacy Policy

Effective Date: November 9, 2026

Overview

Panacea Financial Holdings, Inc. and its subsidiaries (“PFH,” “we,” “our,” or “us”) value your trust and are committed to protecting the privacy and security of personal information. This Privacy Policy explains how PFH collects, uses, shares, and safeguards information obtained through our website and related online interactions (the “Site”).

By accessing or using the Site, you acknowledge that you have read and understood this Privacy Policy.

Scope of This Privacy Policy

This Privacy Policy applies only to information collected through PFH’s public website and related online communications.

This Privacy Policy does not apply to:

Products or services provided by partner financial institutions
Bank sponsored accounts or credit products
Information collected directly by healthcare providers, banks, or other third parties
Privacy notices provided separately in connection with specific products or contractual relationships

Those activities are governed by separate privacy notices and agreements.

Who We Are

Who is providing this notice?

Panacea Financial Holdings, Inc. and its subsidiaries.

Panacea Financial Holdings, Inc. (“PFH”) is a financial technology company and the parent company of several subsidiaries that provide technology, operational, administrative, payment, and other support services to healthcare-focused businesses and partner financial institutions. PFH and its subsidiaries operate as a family of companies and may share information collected through this website for legitimate business purposes, including operations, administration, customer support, compliance, security, risk management, legal obligations, and corporate governance, consistent with this Privacy Policy and applicable law.

PFH and its subsidiaries are not banks. Financial products and services offered by partner financial institutions are subject to separate terms, conditions, and privacy notices provided by those institutions.

Information We Collect

The types of information we collect depend on how you interact with the Site and may include:

Information You Provide

Name, email address, phone number, and other contact details
Professional or business information (e.g., healthcare practice details)
Information submitted through inquiries, forms, or communications
Information submitted through AI-powered tools, conversational interfaces, virtual assistants, customer support tools, or similar technologies.

Automatically Collected Information

When you visit the Site, we may automatically collect:

IP address
Browser type and device information
Pages visited, referring URLs, and usage data
Date and time of access

This information helps us operate, secure, and improve the Site.

Information We Do Not Collect Through the Site

To avoid confusion, PFH does not collect through the public website:

Bank login credentials
Payment card numbers
Account numbers for partner financial institutions
Private authentication credentials
Protected Health Information (PHI) through general website forms

How We Use Information

We use information collected through the Site for legitimate business purposes, including to:

Respond to inquiries and requests
Operate, maintain, and improve the Site
Communicate about PFH services and updates
Support security, fraud prevention, and system integrity
Comply with legal, regulatory, and contractual obligations
To operate, support, monitor, secure, and improve artificial intelligence and machine learning enabled services and features.

We do not use website-collected personal information for unrelated purposes without appropriate authorization.

Technical, Log, and Security Data

Like most modern websites, PFH and its service providers may collect technical and log data such as:

Server logs
Error reports
Security and access logs
Network and device metadata

This information is used to maintain Site functionality, protect against unauthorized access, and investigate potential security incidents.

Cookies and Analytics

PFH uses cookies and similar technologies to:

Enable essential website functionality
Understand how visitors use the Site
Improve performance and user experience

We may use third-party analytics providers to help us analyze Site usage in an aggregated manner. You can manage cookies through your browser settings.

Artificial Intelligence Services

Panacea Financial Holdings, Inc. and its subsidiaries may offer artificial intelligence (“AI”) powered features, tools, or services, including conversational assistants, information tools, decision-support tools, educational resources, customer support features, and other AI-enabled functionality.

When you interact with AI-powered services, we may collect and process information you submit, including prompts, questions, requests, uploaded content (if applicable), and information contained in your interactions with the service. We may also collect and retain AI-generated responses and related usage information.

We use this information to:

Provide and operate AI-powered services;
Generate responses, recommendations, insights, and other requested outputs;
Maintain, secure, troubleshoot, and improve our services;
Monitor performance, quality, and system reliability;
Detect fraud, abuse, security incidents, and unauthorized activity;
Comply with legal, regulatory, contractual, and operational requirements; and
Conduct internal analytics, testing, and service improvement activities.

AI-powered services may retrieve and utilize information from approved Panacea data sources, knowledge repositories, publicly available information, and other authorized content sources to generate responses and provide relevant information.

Panacea does not use customer-submitted information collected through AI services to train publicly available artificial intelligence models. To the extent Panacea utilizes third-party AI service providers, Panacea seeks to implement contractual, technical, and organizational controls designed to prevent customer information submitted through AI services from being used to train or improve publicly available AI models except where expressly disclosed and authorized.

Users should not submit Social Security numbers, account credentials, payment card information, protected health information, or other highly sensitive information through AI services unless specifically requested as part of an authorized and secure process.

AI-generated content may be incomplete, inaccurate, outdated, or inappropriate for a particular purpose. AI-generated responses are provided for informational and educational purposes only and should not be relied upon as the sole basis for financial, legal, investment, tax, medical, credit, lending, employment, compliance, or other significant decisions. Users remain responsible for independently evaluating and verifying information before taking action.

Interactions with AI-powered services may be logged and monitored for security, quality assurance, compliance, operational, audit, and service improvement purposes.

Panacea’s AI services are intended to assist users with information and insights and are not designed to independently make credit, lending, underwriting, employment, eligibility, or other legally significant decisions regarding individuals.

Additional terms, disclosures, or usage requirements may apply to specific AI-powered products or services and will be provided when such services are offered.

How We Share Information

PFH does not sell personal information.

We may share information collected through the Site:

With service providers that support our operations (e.g., hosting, analytics, security)
With partner institutions or professional advisers, as appropriate
To comply with applicable laws, regulations, or legal processes
To protect the rights, safety, or property of PFH, users, or others
With service providers that support AI-powered functionality, analytics, hosting, security, monitoring, and related technology services, subject to contractual confidentiality and data protection obligations.

All sharing is conducted in accordance with applicable legal requirements.

Public vs. Non‑Public Information

Information you submit directly through the Site is treated as non-public and handled in accordance with this Privacy Policy. PFH may use aggregated or de-identified data for analytics, reporting, or business improvement purposes.

Publicly available information (such as business contact details made publicly available) is not considered confidential.

Data Retention

PFH retains personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law, regulation, or contractual obligation.

Third-Party Links

The Site may contain links to third-party websites. PFH is not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies.

Children’s Privacy

This Site is not directed to children under the age of 13. PFH does not knowingly collect personal information from children under 13 through the Site. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will take reasonable steps to delete such information. If you believe a child under 13 has provided personal information through the Site, please contact us using the information provided below.

Your Choices and Rights

Depending on applicable law, you may have rights regarding your personal information, including the right to request access, correction, or deletion of certain data. Requests may be submitted using the contact information below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Contact Us

If you have questions about this Privacy Policy or PFH’s privacy practices, please contact us at:

Email: [email protected]
Phone: 833-472-6223
Address: 1318 S Main St Suite #200, Little Rock, AR 72202