Privacy Policy Liana Banyan Corporation Effective Date: February 23, 2026 EIN: 41-2797446 1. Introduction Liana Banyan Corporation (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you use our platform. 2. Information We Collect 2.1 Information You Provide Account Information: Name, email address, username, password Profile Information: Bio, profile picture, preferences Payment Information: Processed securely through Stripe; we do not store full payment card details Content: Posts, Cue Cards, comments, and other content you create Communications: Messages, support requests, feedback 2.2 Information Collected Automatically Usage Data: Pages visited, features used, time spent, click patterns Device Information: Browser type, operating system, device identifiers Location Data: General geographic location based on IP address Cookies: Session cookies for authentication and preferences 2.3 Information from Third Parties When you connect social media accounts (TikTok, Facebook, Twitter, etc.), we receive: ...

Terms of Service Liana Banyan Corporation Effective Date: February 23, 2026 EIN: 41-2797446 1. Acceptance of Terms By accessing or using the Liana Banyan platform (lianabanyan.com, cephas.lianabanyan.com, and related services), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use our services. 2. Description of Service Liana Banyan is a member-owned cooperative platform that provides: Marketplace services connecting creators with consumers Cost-plus pricing where creators keep 83.3% of transaction value Community tools including Cue Cards, Beacon systems, and collaborative features Educational resources through the Cephas knowledge base 3. Membership 3.1 Membership Fee Annual membership costs $5.00 USD. This fee grants access to all platform features and voting rights in cooperative governance. ...