Privacy Policy

Effective: September 21, 2026

RTO Finance LLC (“RTO Finance,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the information we collect and use in connection with our website, installment contracts, loan agreements, applications, customer accounts, and other interactions with us.

This Privacy Policy describes how we may collect, use, disclose, and protect personal information and other information in connection with our website, including www.rtofinance.com, and our installment contract and lending products and services.

By using our website or providing information to us, you acknowledge that you have had an opportunity to review this Privacy Policy. Certain products, services, applications, or transactions may be subject to additional privacy notices, disclosures, authorizations, or consents provided to you at the time information is collected.

This Privacy Policy does not replace or modify the terms of any installment contract, loan agreement, electronic-consent agreement, account authorization, or other agreement governing a particular transaction.

Information We Collect

Depending on how you interact with us, we may collect information that personally identifies, relates to, describes, or is capable of being associated with you (“personal information”). The types of information we collect about you vary based on how you use our Sites or Services and your relationship with us. It may include:

• Name, address, email address, phone number, signatures, account numbers
• Household income
• Payment card information, account balance and status, residential status
• IP address, geolocation, call recordings, job photos, images of your properties
• Employer and occupation

We automatically collect information in connection with the actions you take on our Sites. Usage data may include information about your device, browser, operating system, internet service provider, and IP address. It may also include information about your interactions with our Sites such as pages you view, date and time, your clicks, and duration of your visit. If we can reasonably associate this data with you, we treat it as personal information under the categories of Identifiers or Internet or other electronic network information, as appropriate. If we cannot reasonably associate this information with you, we treat it as anonymous usage data.

We may record calls and retain the content of text messages, chat transcripts, emails, and other written or electronic communications between you and us. By communicating with us, you consent to our recording and retention of communications.

How We Collect Information

We may ask you to provide personal information when you communicate with us. You are not required to provide this information; however, certain features of the Sites or Services may not be available unless you provide the requested information. We may also capture contact information, such as phone numbers and email addresses, when you contact us.

When permissible, we may collect information from third-party data sources such as contractors and technicians, data brokers, consumer reporting agencies, financial institutions, identity verification and fraud prevention providers, payment processors, dealers or other transaction participants, public records and government agencies, and other service providers.

Cookies and Similar Technologies

We and third parties use cookies and other similar technologies to collect information about your use of our Sites and Services, remember preferences, improve website functionality and performance, and support advertising and other business purposes.

We may use the following types of cookies:

• Strictly necessary cookies which are essential to operate the Sites and provide you with services you requested.
• Functional cookies which enable certain features or nonessential functionality on our Sites.
• Targeting cookies allows us and third parties to learn more about you, including your use of our Sites, and advertise products or services that might interest you.
• Performance cookies help us and third parties to understand how our Sites are working and who visits our Sites.

You may be able to manage or disable certain cookies through your browser setting or other tools we make available on our Sites. Disabling certain cookies may affect the functionality of the Sites.

How We Use Information

We may use the information we collect to:

• Process applications and provide our products and services;
• Evaluate eligibility and verify information;
• Administer and service installment contracts, loan agreements, and customer accounts;
• Process and administer payments;
• Communicate with you about your application, account, transaction, or services;
• Prevent and detect fraud and unauthorized activity;
• Manage business and account-related risk;
• Respond to questions, disputes, complaints, and requests;
• Comply with applicable laws, regulations, and legal requirements;
• Maintain business and transaction records; and
• Operate, maintain, and improve our website, products, services, and business.

We may also use information obtained from financial institutions, consumer reporting agencies, and other information providers for purposes permitted by applicable law and as described in applicable disclosures, agreements, or other notices provided to you.

How We Share Information

RTO Finance does not sell your personal information to third parties for monetary consideration. We may share information with third parties when permitted or required by law and when reasonably necessary to provide products or services, operate our business, or perform the purposes described in this Privacy Policy.

We may share information with companies that provide services to us or on our behalf, including providers of:

• Financial-account connectivity;
• Consumer reporting and information services;
• Identity verification and fraud prevention;
• Payment processing;
• Account servicing and customer communications;
• Information technology and data storage; and
• Other business and professional services.

These service providers may receive information that is reasonably necessary to perform the services they provide.

We may disclose information when required or permitted by law, which may include complying with legal or regulatory requirements, responding to lawful requests, enforcing our agreements, protecting our rights or property, preventing fraud or unlawful activity, or protecting the safety of our customers, employees, or others.

Third-Party Websites and Services

Our website may contain links to websites, applications, or services operated by third parties.

If you access a third-party website or service, that third party’s privacy policy and terms may apply to your interaction with that service. RTO Finance does not control the privacy practices of third parties that operate independent websites or services. We encourage you to review the privacy policies of third-party websites and services you choose to use.

Where a third-party service is integrated into an RTO Finance application or transaction, information may be exchanged with that provider as described in this Privacy Policy and any additional disclosures or authorizations presented to you.

Information Security and Retention

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, use, alteration, disclosure, or destruction.

No method of transmitting or storing information can be guaranteed to be completely secure. Accordingly, while we take reasonable measures to protect information, we cannot guarantee the absolute security of information transmitted to or maintained by us.

We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy. Different types of information may be retained for different periods depending on the nature of the information, the applicable product or service, and legal or regulatory requirements.

Privacy Choices and Requests

Depending on applicable law, you may have certain rights regarding your personal information, including rights to request access to or correction of certain information or to exercise other privacy rights provided by applicable law.

Certain information may not be eligible for deletion or other restrictions because we are required or permitted by law to retain or use it, or because it is necessary to provide or administer a product or service.

To submit a privacy-related question or request, please contact us using the contact information provided in the How to Contact Us section of this Privacy Policy.

Your Rights Under U.S. State Privacy Laws

If you are a resident of a state that provides additional privacy rights under applicable state law, you may have certain rights regarding your personal information, subject to applicable law and any applicable exemptions.

Depending on the state in which you reside and the circumstances of our collection and use of your personal information, these rights may include:

• Right to Access: You may have the right to confirm whether we process personal information about you and to access certain personal information we maintain about you.
• Right to Correct: You may have the right to request correction of inaccurate personal information that we maintain about you.
• Right to Delete: You may have the right to request deletion of certain personal information, subject to exceptions permitted by applicable law. These exceptions may include information that we are required or permitted to retain for purposes such as completing or administering a transaction, providing or servicing a product or service, complying with legal or regulatory obligations, preventing fraud or unlawful activity, or establishing, exercising, or defending legal claims.
• Right to Data Portability: You may have the right to obtain certain personal information in a portable and usable format, subject to applicable law.
• Right to Opt-Out: Depending on the applicable state law, you may have the right to opt out of certain processing activities, which may include the sale of personal information, targeted or cross-context behavioral advertising, or certain profiling activities.
• Other State-Specific Rights: Certain states may provide additional privacy rights or protections, including rights relating to sensitive personal information, consent, or certain automated decision-making or profiling activities.

To exercise a privacy right available to you under applicable state law, please contact us using the contact information provided in the How to Contact Us section of this Privacy Policy. We may take reasonable steps to verify or authenticate your identity before completing your request, as permitted or required by applicable law. If we deny your request, you may have the right to appeal the decision where provided by applicable state law. Information about how to submit an appeal will be provided with our response to your request, where applicable. We will not discriminate against you for exercising privacy rights provided to you under applicable state law, except as permitted by law.

Some information maintained by RTO Finance may be exempt under applicable federal or state law. In addition, certain state privacy laws may not apply to RTO Finance or may exclude specific types of information or processing activities. As a result, a privacy right may not apply to every individual, every category of information we maintain, or every processing activity.

Where a state law provides rights or requirements that differ from those described in this section, RTO Finance will process applicable requests in accordance with the requirements of the law applicable to the individual and the information at issue. California residents should also review the California Residents Privacy Rights section below for additional rights and disclosures that may apply under California law.

California Residents Privacy Rights

If you are a resident of California, you may have specific rights under the California Consumer Privacy Act and the California Privacy Rights Act (collectively, the “CCPA”), to the extent the CCPA applies to RTO Finance LLC.

Right to Know. You may have the right to request information about the personal information we collect, use, disclose, or otherwise process about you, including the categories of personal information collected, the purposes for which the information is used, the categories of sources from which the information is collected, and the categories of third parties to whom personal information is disclosed.

Right to Delete. You may have the right to request deletion of personal information that we have collected from you, subject to certain exceptions permitted by law. These exceptions may include information that we are required or permitted to retain for purposes such as completing a transaction, providing a service, complying with legal or regulatory obligations, detecting or preventing fraud or security incidents, or exercising or defending legal claims.

Right to Correct. You may have the right to request correction of inaccurate personal information that we maintain about you.

Right to Opt-Out of Sale or Sharing. California law provides consumers with the right to opt out of the sale or sharing of personal information in circumstances covered by the CCPA. RTO Finance does not sell personal information for monetary consideration. If our processing activities constitute “sharing” as defined by the CCPA, you may have the right to opt out of such sharing.

Right to Limit Use of Sensitive Personal Information. In certain circumstances, California residents may have the right to limit our use and disclosure of sensitive personal information to purposes permitted by the CCPA.

Non-Discrimination. We will not discriminate against you for exercising rights provided to you under applicable California privacy law. To exercise applicable California privacy rights, please contact us using the contact information provided in the How to Contact Us section of this Privacy Notice. We may take reasonable steps to verify your identity before completing your request. We will not use personal information collected for purposes of verification for any purpose other than fulfilling your request, except as otherwise permitted or required by law.

Certain personal information maintained by RTO Finance may be subject to exemptions under the CCPA or other applicable federal or state law. Accordingly, not every request will necessarily apply to every category of information we maintain.

Children’s Privacy

Our website, applications, products and services are intended for adults and are not directed to children under 13 years of age.

We do not knowingly collect personal information directly from children under 13 through our website or applications. If we learn that we have collected personal information directly from a child under 13 without appropriate authorization, we will take reasonable steps to delete that information as required by applicable law.

If you believe that a child under 13 has provided personal information to us, please contact us using the contact information provided in the How to Contact Us section of this Privacy Notice.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business, products, services, technology, or legal requirements.

When we make changes, we will update the Effective Date at the beginning of this Privacy Policy. We may provide additional notice when required by applicable law.

Your continued use of the website after an updated Privacy Policy is posted does not, by itself, constitute authorization for a separate transaction or financial-account data access that requires affirmative consent.

How to Contact Us

If there are any questions regarding this Privacy Policy or our privacy practices, you may contact us using the information below.

RTO Finance LLC
PO Box 9789
Greenville, SC 29604
United States