Rely Credit - Privacy Policy

(Effective July 2022)

FACTS

WHAT DOES RELY CREDIT DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires lenders to tell you how they collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security Number and Income
Account Balances and Payment History
Credit History and Credit Scores

When you are no longer a Rely customer, we continue to share your information as described in this notice.

HOW?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Rely Credit chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Rely Credit share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, prevent, or mitigate fraud, engage in corporate transactions, or report to credit bureaus

Does Rely Credit share?

Yes

Can you limit this sharing?

For our marketing purposes — to offer our products and services to you

Does Rely Credit share?

Yes

Can you limit this sharing?

For joint marketing with other financial companies

Does Rely Credit share?

Yes

Can you limit this sharing?

For our affiliates' everyday business purposes — information about your transactions and experiences

Does Rely Credit share?

Yes

Can you limit this sharing?

For our affiliates' everyday business purposes — information about your creditworthiness

Does Rely Credit share?

Yes

Can you limit this sharing?

Yes

For our affiliates to market to you

Does Rely Credit share?

Yes

Can you limit this sharing?

Yes

For non-affiliates to market to you

Does Rely Credit share?

Yes

Can you limit this sharing?

Yes

To limit our sharing

For Rely Credit call 1-888-964-1024 1-888-964-1024;
Log in to your account at RelyCredit.com and click on the "Preferences" in the menu.
Contact Rely Credit via e-mail: support@relycredit.com;

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing

Questions?

Call Rely Credit at 1-888-964-1024 1-888-964-1024 or go to RelyCredit.com

WHO ARE WE

Who is providing this notice?

Rely Credit Holdings, LLC Companies that use "Rely" or "Rely Credit" in their name.

WHAT WE DO

How does Rely Credit protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Rely Credit collect my personal information?

We collect your personal information, for example, when you

Apply for a loan
Give us or update information about you
Make loan payments

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

Sharing for affiliates' everyday business purposes information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you

State laws may give you additional rights to limit sharing. See below for more on your rights under state law

DEFINITIONS

Affiliates

Financial and nonfinancial companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include financial companies with the Rely Credit, Jora Credit, Echo Credit, or “Cortex” names, all under common ownership of TF Holdings, Inc.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies

Non-affiliates we share with can include companies engaged in the selling of consumer products and services, non-profit organizations, direct mail and other purposes.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include financial institutions, credit card companies, partners that promote our products, pre-paid debit card providers and other lending companies.

OTHER IMPORTANT INFORMATION

Additional Notices for Loan Accounts:

TEXAS CONSUMERS

If you have questions or a complaint, first contact Rely Credit at 1-888-964-1024 1-888-964-1024. Rely Credit of Texas, LLC is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a Texas state agency. If a question or complaint cannot be resolved by Rely Credit, consumers may contact the OCCC to file a complaint or ask a general credit-related question. The OCCC’s address is: 2601 North Lamar Boulevard, Austin, Texas 78705. Phone: 1-800-538-1579 1-800-538-1579 (toll free). Fax: (512) 936-7610. Website: occc.texas.gov. E-mail: consumer.complaints@occc.texas.gov.

FOR CALIFORNIA RESIDENTS

Rely Credit is licensed and examined under California law by the California Department of Financial Protection and Innovation (DFPI). If a consumer question or complaint cannot be resolved by Rely Credit, consumers may contact the DFPI by U.S. Mail: Department of Financial Protection and Innovation, Attn: Consumer Services Office, 2101 Arena Blvd Sacramento, CA 95834; by Telephone: (866) 275•2677; on its website: http:/www.dfpi.ca.gov.

We will not share information we collect about you with nonaffiliated third parties, except as permitted by California law.

Rely Credit will disclose Information about consumers with a California mailing address only with your written authorization (“consent’), unless otherwise permitted by law. California consumers should contact us at 1-888-964-1024 1-888-964-1024 [the first phone number provided above] for instructions on how to deliver their consent.

CHILDREN’S PRIVACY

Our website is not directed at children under the age of 13. Rely Credit does not knowingly collect or maintain Information at our website from persons under the age of 13.

UPDATING YOUR INFORMATION: If you need to update the personal information you have given us, log in to your account at RelyCredit.com and click on "Preferences" in the menu or call 1-888-964-1024 1-888-964-1024 to speak to an account representative.

"DO NOT TRACK": When someone visits the Rely Credit website, a cookie is placed on the visitor's computer (if the visitor accepts cookies).The cookie we place on your computer does not contain any of your personally identifiable information. Rely Credit advertise its products and services on websites that you may visit, and both Rely Credit use service providers to place such advertisements. Those service providers (such as Google, Microsoft, or Yahoo) may use cookies placed on your computer to show you advertisements for Rely Credit services on other websites. You can opt out from service providers' and/or marketers' use of cookies in this manner by visiting each service provider’s advertising opt- out page or by utilizing "do not track" functionality in your web browser. If you choose to not have your browser accept cookies from the Rely Credit website, you will not be able to subscribe to the service offerings on these websites.

CHANGES TO THIS PRIVACY DISCLOSURE: If we make material changes to this privacy disclosure, we will notify you via email and post the updated privacy disclosure on the Rely Credit websites. Please take note of the "Effective Date" at the top of this privacy disclosure.

(A partir del Julio de 2022)

DATOS

¿QUÉ HACE RELY CREDIT CON SU INFORMACIÓN PERSONAL?

¿POR QUÉ?

Las empresas financieras eligen cómo comparten su información personal. La ley federal otorga a los consumidores el derecho a limitar parte de la información compartida, pero no toda. La ley federal también exige que los prestamistas le digan cómo recopilan, comparten y protegen su información personal. Lea este aviso detenidamente para comprender lo que hacemos.

¿QUÉ?

Los tipos de información personal que recopilamos y compartimos dependen del producto o servicio que le estemos ofreciendo. Esta información puede incluir:

Número de seguro social e ingresos
Saldos de cuenta e historial de pagos
Historial y puntajes crediticios

Cuando ya no sea cliente de Rely, continuaremos compartiendo su información tal como se describe en este aviso.

¿CÓMO?

Todas las empresas financieras necesitan compartir la información personal de sus clientes para realizar sus actividades comerciales diarias. En la siguiente sección, indicamos las razones por las cuales las empresas financieras pueden compartir la información personal de sus clientes; las razones por las cuales Rely Credit elige compartir; y si puede limitar este intercambio de información.

Razones por las que podemos compartir su información personal

¿Rely Credit comparte mi información?