Effective as of November 12th, 2021

Introduction

Republic Finance, LLC, its affiliates, assigns, or successors (“Republic Finance,” “we,” “our,” or “us”) respects the privacy of your information. This Online Privacy Policy (“Privacy Policy”) is designed to assist you in understanding how we collect, use and safeguard the information you provide to us in using our website (“Site”), the services provided through our Site and the mobile applications we offer (collectively, “Services”).

If you have a consumer financial product or service with us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.

This Privacy Policy covers the following topics:
 
  1. COLLECTING AND USING INFORMATION
  2. COOKIES AND OTHER TRACKING TECHNOLOGIES
  3. THIRD PARTY PROCESSORS
  4. “DO NOT TRACK” SIGNALS
  5. CHOICES ABOUT YOUR PERSONALLY IDENTIFIABLE INFORMATION
  6. SECURITY
  7. THIRD PARTY LINKS
  8. CHILDREN'S PRIVACY
  9. HOW TO CONTACT US
 
1. COLLECTING AND USING INFORMATION

Personally Identifiable Information We Collect Online

We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:

Information You Provide

We may collect the following Personally Identifiable Information that you voluntarily provide to us:
 
  • Contact Us. When you choose to contact us through our online form, we collect your first and last name, email address, telephone phone number, and any Personally Identifiable Information that you choose to submit in the free text fields.
  • Get Pre-Qualified. When you apply online for a financial service with us, we collect your, and to the extent applicable, your co-applicant’s first and last name, home address, email address, telephone number, social security number, and date of birth.
  • Apply for a Loan. When you complete a loan application online, in addition to the information you provided to pre-qualify, we collect your bank account information, employment information, and information about your assets, debts, and income. We may also collect a copy of your valid U.S. Government-issued or State-issued photo ID, such as a driver’s license. You may choose to utilize our third-party processor, RIBBIT, to verify bank and income information. For more information on RIBBIT, please see the section, “Third Party Processors”, below.
  • Online Account Access. To register for an online account, we collect your last name, social security number, and date of birth to lookup your account. We may additionally ask for your first name, mailing address, and telephone number. To sign into your online account, we collect your username and password. Loan payments completed through your online account are processed by our third-party payment processors. For more information, please see the section, “Third Party Processors”, below.

Information as You Navigate Our Site

We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:
 
  • Usage Information. For example, pages on the Site you access, the frequency of access, and what you click on while on the Site.
  • Device Information. For example, hardware model, operating system, application version number, and browser.
  • Mobile Device Information. Aggregated information about whether the Site is accessed via a mobile device or tablet, the device type, and the carrier.
  • Location Information. Location information from Site visitors on a city-regional basis.

Information Collected from Other Sources

We may obtain Personally Identifiable Information from other sources, such as lead generators and information about your credit profile or other information from Experian, TransUnion, and Equifax. We also use third-party providers to obtain contact information in order to market certain of our Services via email or on social media platforms. 

Third Party Information

In some cases, we may receive certain Personally Identifiable Information from you about a third party. For example, as part of our registration process, you may provide the first and last name, home address, email address, personal phone number, social security number, and date of birth of your co-applicant. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.

How We Use Your Personally Identifiable Information

We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services and Site, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:
 
  • Process your account registration;
  • Process transactions, such as your prequalification or loan application(s);
  • Underwrite your prequalification application and/or loan;
  • Verify your identity and prevent fraud;
  • Review your job application;
  • Contact you regarding our or third parties’ products and services that we feel may be of interest to you;
  • Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
  • Communicate with you about your transactions;
  • Communicate with you about your account and collect amounts you owe;
  • Provide support;
  • Maintain and improve our Site and Services;
  • Defend our legal rights and the rights of others;
  • Efficiently maintain our business; and
  • Comply with applicable law.

How We Share Your Personally Identifiable Information

We may share the information that we collect about you in the following ways:
 
  • With our parent company, subsidiaries and affiliates;
  • With service providers who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);
  • For identity verification and fraud prevention;
  • With credit bureaus to obtain credit reports;
  • To service providers to prepare, deploy and analyze advertising content, including for joint marketing with other companies;
  • To non-affiliates for their marketing purposes;
  • To the extent that we are required to do so by law;
  • In connection with any legal proceedings or prospective legal proceedings;
  • To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention;
  • To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that Personally Identifiable Information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personally Identifiable Information;
  • To any other person or entity as part of any business or asset sales, equity transaction, merger, acquisition or in preparation for any of these events; and
  • To any other person or entity where you consent to the disclosure.
 
2. COOKIES AND OTHER TRACKING TECHNOLOGIES

How We Use Cookies


Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”). “Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets).

We use Cookies to: 
 
  • Estimate audience size and usage patterns;
  • Understand and save your preferences for future visits, allowing us to customize the Site and Services to your individual needs;
  • Advertise new content and services that relate to your interests;
  • Keep track of advertisements and search engine results;
  • Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and
  • Recognize when you return to the Site.

We set some Cookies ourselves and others are set by other entities. We use Cookies set by other entities to provide us with useful information to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google and other similar companies.

How You Can Opt-Out of Cookies

Browser Settings

Cookies can be blocked by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.

You can find out more about Cookies and how to manage them by visiting www.allaboutcookies.org.

Advertising Industry Resources

You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

Please note that these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Google reCAPTCHA

We use Google reCAPTCHA, a free service provided by Google, Inc., to protect our Site from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans and bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of information to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of the visit, cookies, and mouse movements. Your use of Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Use. More information as to Google reCAPTCHA and how it works is available here.

Hotjar

We use Hotjar in order to better understand our users’ needs and to optimize the service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device’s IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our Site. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For more information, please view Hotjar’s privacy page by clicking here.

3. THIRD PARTY PROCESSORS

To ensure that your Personally Identifiable Information receives an adequate level of protection, we have put in place appropriate procedures with the service providers we share it with to ensure that it is treated consistent with applicable data security and privacy laws.

For example, we use Cash Flow Solutions, Inc. d/b/a RIBBIT.AI (“RIBBIT”) to enable us to connect with your bank accounts and we use ACI Worldwide to enable you to make online loan payments. RIBBIT’s privacy policy is available here and ACI’s privacy policy is available here.

We also use third-party processors, for example, to prevent fraud, to facilitate recruitment and our careers page, for cloud storage services, and to provide other Services to you.

4. "DO NOT TRACK" SIGNALS

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

5. CHOICES ABOUT YOUR PERSONALLY IDENTIFIABLE INFORMATION

Review and Request Changes to Your Personally Identifiable Information


Keeping your account information accurate and up to date is very important. To review or request changes to any of your Personally Identifiable Information, please contact customer service at (833) 907-1734 or contact your local branch.

Marketing Communications 

To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. This will not affect subsequent subscriptions and if your opt-out is limited to certain types of e-mails the opt-out will be so limited. If you subscribe to text messages from us, you can terminate a particular text message subscription by reply texting “STOP.” Subsequent or different subscriptions will be unaffected. Please view our Text Message (SMS) Terms of Use for more information. Please note that we reserve the right to send you certain communications relating to your account or use of our Site, such as administrative and service announcements and these transactional account messages may be unaffected if you choose to opt-out from receiving our marketing communications.

6. SECURITY

We maintain commercially reasonable security measures to protect the Personally Identifiable Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee absolute security.

7. THRID PARTY LINKS

The Site and Services may contain links that will let you leave the Site and Services and access another website. Linked websites are not under our control. This Privacy Policy applies solely to Personally Identifiable Information that is acquired by us on this Site and Services. We accept no responsibility or liability for these other websites.

8. CHILDREN’S PRIVACY

The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

9. HOW TO CONTACT US

For questions or concerns about our privacy policies or practices please contact us.