This Privacy Policy ("Policy") describes how Remita Finance Company LLC ("we," "us," or "our") gathers, uses, shares, and protects personal information when you use the Remita mobile app, website, and related services (collectively, the "App"). By accessing or using the App, you agree to this Policy. If you do not agree, you should not use the App.

We comply with applicable U.S. privacy and consumer-protection regulations, including but not limited to:

  • Gramm-Leach-Bliley Act (GLBA)
  • California Consumer Privacy Act (CCPA), as amended by the CPRA
  • Fair Credit Reporting Act (FCRA)
  • Federal Trade Commission (FTC) guidelines
  • Other relevant federal or state privacy rules

Certain rights described here may not apply to GLBA-covered information or users outside specific jurisdictions. This Policy covers U.S.-based users and does not apply to employees, contractors, or independent third-party services outside our control.

We obtain information in three main ways: directly from you, automatically from your devices, and via third parties.

2.1 Information You Provide

You may voluntarily provide information such as:

  • Identifiers – full name, date of birth, email, phone, and mailing address
  • Government IDs – Social Security number, driver's license, or state ID for identity verification
  • Financial Details – employment, income, bank account and transaction data, repayment history, and requested loan details
  • Login & Security – usernames, passwords, PINs, and security responses (encrypted and securely stored)
  • Communications – messages, uploads, or documents sent through the App (e.g., IDs, bank statements)
  • Consents & Signatures – electronic signatures, agreement checkboxes, or acknowledgments

2.2 Automatic Collection

When you use the App, we may automatically collect:

  • Device Info – IP address, device type, OS, app version, language settings, and diagnostic logs
  • App Usage – pages viewed, clicks, session duration, timestamps, and referral info
  • Approximate Location – derived from IP or device signals for fraud detection and state compliance
  • Cookies & SDKs – used for login, security, preferences, and analytics; disabling may limit functionality

2.3 Third-Party Sources

We may also receive data from:

  • Identity & fraud-prevention services – to verify identity, income, or address
  • Financial partners – lenders, banks, loan platforms, and payment processors
  • Credit bureaus & alternative data providers – with consent, for eligibility and risk checks
  • Referral partners – who connect you to the App or vice versa
  • Public records & government sources – as required for compliance

We use collected data to:

  • Provide and maintain App services – account management, feature delivery, and request processing
  • Verify identity & prevent fraud – KYC/AML checks, suspicious activity monitoring
  • Loan & cash-advance facilitation – sharing necessary info with financial partners to evaluate requests
  • Support transactions – fund disbursement, repayments, and payment processing
  • Customer support – respond to inquiries, provide updates, confirmations, or legal notices
  • App improvement & analytics – track performance, troubleshoot issues, and develop features
  • Legal compliance – audits, regulatory reporting, responding to lawful requests, enforcing Terms
  • Marketing & educational updates – optional communications based on your preferences

Depending on context and applicable law, we rely on:

  • Consent – for marketing or optional uses
  • Contractual necessity – to provide requested services
  • Legal obligations – compliance with laws and regulations
  • Legitimate interests – fraud prevention, App security, and product development

We only share personal information when necessary for the purposes outlined above and in accordance with legal obligations.

5.1 Service Providers

Vendors supporting App operations may access data solely to perform services such as:

  • Hosting and cloud storage
  • Identity verification
  • Customer support
  • Analytics and monitoring
  • Payment processing
  • Security and incident response

5.2 Financial Partners

Loan or cash-advance requests may require sharing information with lenders or partners to evaluate eligibility. Once shared, their privacy policies govern further use. We encourage reviewing partner privacy notices.

5.3 Legal & Safety

We may disclose information when required by law or to:

  • Comply with legal requests
  • Protect rights, property, or safety
  • Investigate or prevent fraud, abuse, or security incidents

5.4 Business Transfers

In mergers, acquisitions, or sales, personal information may be transferred with privacy safeguards similar to those described here.

5.5 With Your Consent

We may share data when you authorize or request it.

5.6 No Sale of Personal Data

We do not sell personal information or engage in cross-context behavioral advertising. Changes to this practice will be communicated as required.

We keep personal information only as long as needed for legitimate purposes, account activity, and legal obligations. Examples:

  • Account & service records – typically during your relationship and up to 7 years for compliance
  • Compliance & risk records – usually 5–7 years
  • Marketing communications – up to 3 years or until opt-out
  • Log & analytics data – generally 12–24 months

After retention, data is deleted or anonymized.

We implement administrative, technical, and physical measures to protect personal information, including:

  • Encryption in transit and at rest
  • Access controls
  • System monitoring and audits
  • Vendor security agreements
  • Employee training and policies

No system is completely secure. You are responsible for keeping account credentials confidential and reporting unauthorized access.

Depending on your location, you may have rights to:

  • Access – confirm and obtain a copy of your information
  • Correction – update inaccurate data
  • Deletion – request removal, subject to legal exceptions
  • Portability – receive data in a usable format for another service
  • Opt-out – from certain sharing, marketing, or automated processing

Verification may be required, and some requests may be limited by law.

Submitting Requests: Email support@remitafinance.com with your name, state, and request type. You may authorize an agent if permitted by law.

The App is for users 18+ only. We do not knowingly collect data from children under 13. If discovered, such information will be deleted promptly.

Cookies, SDKs, and similar tools help with login, preferences, security, and analytics. Adjusting settings may limit functionality.

Third-party links or integrations follow their own privacy rules. We are not responsible for third-party practices.

GLBA governs certain nonpublic financial information. FCRA applies when using consumer reports. Hard credit checks require your consent.

The App is intended for U.S. residents. Data may be processed in the U.S., and by using the App, you consent to U.S. data transfer.

We may revise this Policy. Material changes will update the effective date and may include in-app or email notifications. Continued use constitutes acceptance.

For questions or requests, contact:

Remita Finance Company LLC

Email: support@remitafinance.com