Our Privacy Policy

I. General

RelFi Inc. and its affiliates (“Company” or “we”) is a financial technology company that provides working capital to small and medium-sized businesses nationwide. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit our website RelFi.co and any associated sub-domains, mobile applications, and other web-connected services (collectively, the “Website”), as well as our practices for collecting, using, maintaining, protecting, and disclosing that information. Terms defined in our Terms of Use have the same meaning when used in this policy.

This policy applies to information we collect:

On this Website.
In email, text, and other electronic messages between you and this Website.
As otherwise indicated, such as in our New Jersey Privacy Policy.

Unless otherwise stated, this Privacy Policy does not apply to information collected offline or by any third-party website not operated by the Company. Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. This policy may change from time to time without notice. It is your responsibility to periodically check the policy for updates.

II. Information we collect about you

Personal information

We collect information that identifies you personally, such as your name, postal address, email address, telephone number, Social Security number, and other details that can be used to identify you (“Personal Information”).

We collect Personal Information directly from you when you provide it to us. For example, the Personal Information we collect on or through our Website may include:

Information you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to any services offered on the Website, including the information you provide on applications, posting material, or requesting further services. We may also ask you for information when you report a problem with our Website.
Records and copies of your correspondence (including email addresses) if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Website, including financial information.
Your search queries on the Website, if any.

Automatically collected data

Your IP address.
The equipment you use to access our Website.
Browser type and operating system information.
Your state or country from which you accessed the Website.
Your internet service provider.
Number of links you click within the site.
Date and time of your visit to the Website.
Web page you linked to our site from.
Pages you viewed on the site.

We may also use these technologies to collect information about your online activities over time. The information we collect automatically may include Personal Information, and we may maintain it or associate it with Personal Information we collect in other ways or receive from third parties. If we associate any automatically collected non-identifiable information with Personal Information, we will treat the resulting information as Personal Information in accordance with this Privacy Policy.

III. How we use your personal information

To provide you with information, products, or services that you request from us or that we believe may be relevant to you.
To respond to your questions or requests.
To send you notices about your account, including expiration and renewal alerts.
To personalize, develop, and enhance the Company’s Website, products, and services.
To create, maintain, and secure your account with us.
To fulfill contractual obligations and enforce our rights arising from any agreements between you and us, including for billing and collection purposes.
To notify you about updates to our Website or any products and services we provide through it.
To communicate with you regarding products, services, events, or news that may be of interest to you.
To enable your participation in interactive features on our Website.
To process transactions, purchases, or payments and to prevent fraud or unauthorized activity.
To support testing, research, analysis, and product development to improve the Company’s offerings.
To protect the Company and its users by creating a trusted and secure online environment.
To comply with applicable legal requirements or defend against legal claims.
To evaluate or facilitate mergers, divestitures, restructurings, reorganizations, or other business transfers in which Personal Information may be among the transferred assets.
For any other purpose disclosed at the time your information is collected.

We also use aggregated and automatically collected data to improve our Website and provide a more personalized experience. This includes but is not limited to:

Estimating audience size and usage patterns.
Storing your preferences to tailor content and functionality to your interests.
Speeding up searches and enhancing navigation efficiency.
Recognizing you when you return to the Website.

IV. How we share your personal information

We may share Personal Information that we collect about you as follows:

With third-party service providers: These providers perform services on our behalf, such as customer support, IT support, credit reporting, or advertising. For example, we may share your Personal Information with credit reporting agencies when requesting a credit report or with other potential sources of funding you identify to us.
With business partners: We may share your information with business partners in connection with our Website or products and services, in alignment with your expressed preferences and reasonable expectations.
With affiliates: Your information may be shared with our affiliates to provide services, for administrative purposes, or to support commercial operations.
With collection agencies: If necessary, we may share your information with collection agencies to recover delinquent accounts.
With third-party advertisers: We may partner with advertising platforms that assist in serving interest-based advertising and content on their respective platforms. These third parties may use cookies and other tracking technologies to serve relevant ads based on your preferences, location, or interests.
During business transfers: In connection with a business transfer, such as a merger, divestiture, restructuring, or sale of the Company’s assets, your Personal Information may be included among the transferred assets.
For compliance and harm prevention: To investigate, prevent, or address violations of our Terms of Use, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or safety of individuals. This includes responding to claims, protecting against liability, or complying with legal obligations such as subpoenas or court orders.
Mobile information, including text messaging opt-in data and consent, will not be shared with third parties for marketing or promotional purposes.

V. Cookies and similar technologies

We use cookies and similar technologies to enhance your browsing experience. These include:

Session cookies: Temporary cookies that expire when you close your browser, used to navigate the Website easily.
Persistent cookies: Cookies that remain on your device for a longer period, enabling us to remember your login credentials and track preferences. You can remove these through your browser’s settings.
Flash cookies: Local stored objects that collect and store information about your preferences and Website navigation. Flash cookies are managed differently than browser cookies. Learn more at Adobe's Flash Player Help Page.
Web beacons: Small electronic files used to track Website statistics, such as user visits and email open rates.

We also use Google Analytics to gather insights about user activity, such as browsing behavior, IP address, and referring pages. You can opt out of Google Analytics by installing the opt-out browser add-on available at Google's Opt-Out Page.

Disabling cookies may limit your ability to use certain features of the Website.

VI. Your choices

Opt-out of marketing emails by clicking the “unsubscribe” link in the email or contacting us at hello@relfi.co with the subject line: Marketing Unsubscribe. Note that this does not apply to non-marketing communications related to transactions or other necessary services.

VII. Use of the website by underage individuals

Our Website is not intended for children under the age of 18. We do not knowingly collect Personal Information from minors. If you are under 18, do not provide any information on this Website.

If we learn of such data collection, we will delete the information promptly. Contact us at hello@relfi.co if you believe we may have collected information from a child under 18.

VIII. Changes to your information

If you believe the Personal Information we have about you is inaccurate, contact us at hello@relfi.co to request corrections or deletion. Requests may be denied if they conflict with legal obligations or requirements.

IX. How we respond to “Do Not Track” signals

Our Website does not currently respond to “Do Not Track” (DNT) signals. If this changes, we will update this Privacy Policy.

X. Security

We implement reasonable measures to protect your Personal Information from unauthorized access, theft, or misuse. However, no system can be entirely secure, and you share information at your own risk.

XI. Amendments to our privacy policy

We may update this Privacy Policy periodically. Changes take effect immediately upon posting on the Website. Please review this page regularly for updates.

XII. Contact us

For any questions or concerns about this Privacy Policy, you can reach us at:

Email: hello@relfi.co Phone: (888) 958-8884Address: 65 Challenger Road, Suite 410, Ridgefield Park, NJ 07660

Your privacy matters: safeguarding your data with transparency, trust, and the utmost care.