“Last Updated: February 12, 2025

Overview
This Privacy Policy describes how Refy Lending Corp. (“Refy Lending,” “we,” “us,” or “our”) collects, protects, shares, and uses your personal information. By using our website (“Site”) and services (“Services”), you agree to the data practices described in this Privacy Policy.

Information We Collect
We collect the following types of personally identifiable information (“PII”):

• Name, email, phone number(s), mailing address
• Social Security number, date of birth, employer information, income details
• Credit card numbers, vehicle details, and current loan/credit information

We collect this information:

• When you apply for a loan or submit forms on our Site
• Through third-party application services
• By phone when contacting our customer service center

Cookies and Similar Technologies
We use cookies, pixel tags, UTM links, and other tracking technologies to enhance user experience, analyze trends, and gather demographic information.

• Essential Cookies: Required for basic functionality of the Site.
• Analytics Cookies: Track website usage and help improve performance.
• Functional Cookies: Enhance usability and personalization.
• Targeting Cookies: Used for marketing and tailored advertisements.

Your Cookie Options
You can control cookies through your browser settings. However, restricting cookies may impact the functionality of our Site. Learn more at www.aboutcookies.org.

How We Use Your Information
Refy Lending uses collected information to:

• Process loan applications and assess creditworthiness
• Provide customer support and service notifications
• Communicate with you through email, phone, and postal mail
• Conduct marketing and promotional activities

How We Share Your Information
We may share your information with:

• Trusted partners who assist in providing our services
• Regulatory and legal authorities when required by law
• Marketing partners for customized content and offers

We do not sell your personal information to third parties.

Data Sharing Statement:

• No mobile Opt-in Data will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SMS Terms and Conditions:

• SMS Terms and Conditions: Upon messaging opt-in, the end user agrees to receive messages from Refy Lending regarding Updates on the application, Customer care, and general inquiries. End users can opt out by replying STOP or request more information by replying HELP. Message frequency varies. Message and data rates may apply. If you need assistance or have questions about our SMS service, reply with “HELP” to any SMS message you receive, or contact our customer support team at +15125473320.

Security Measures

We implement industry-standard security measures to protect your information, including encryption, firewalls, and access controls. However, no online system is 100% secure, and users should take precautions to protect their personal data.

Your California Privacy Rights
California residents have rights under the California Consumer Privacy Act (CCPA):

• Right to request access, correction, or deletion of personal information
• Right to opt out of data sharing for marketing purposes
• Right to non-discriminatory treatment for exercising privacy rights

To exercise these rights, email privacy@refylending.com or call 512-547-3320.

Children’s Privacy
Our Site and Services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors.

Changes to This Privacy Policy
We reserve the right to update this Privacy Policy at any time. Changes will be effective upon posting on the Site.