Gramm-Leach-Bliley Privacy Notice

Last Revised: December 14, 2022

Facts

What does RenoFi 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 us to tell you how we 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
Credit history and employment information
Credit card or other debt and mortgage rates and payments

When you are no longer our 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 RenoFi chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does RenoFi share?	Can you limit this sharing?
For our everyday business purposes such as to evaluate your eligibility for our products or that of our partner lenders, process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates’ everyday business purposes information about your transactions and experiences	No	We don’t share
For our affiliates’ everyday business purposes information about your creditworthiness	Yes	Yes
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Visit us online: email us at [email protected]

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. If you’re an existing customer and have opted out previously, you don’t need to update your privacy choices again. 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 855-736-6341 or go to https://www.renofi.com/contact/

Who we are
Who is providing this notice?	Renovation Finance LLC and Renovation Technologies Holdings Inc. (collectively "RenoFi")

What we do
How does RenoFi 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 office facilities.
How does RenoFi collect my personal information?	We collect your personal information, for example, when you apply for financing or give us your income information apply for financing or give us your income information provide employment information or give us your contact information provide your mortgage information 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What we do

How does RenoFi 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 office facilities.

How does RenoFi collect my personal information?

We collect your personal information, for example, when you apply for financing or give us your income information

apply for financing or give us your income information
provide employment information or give us your contact information
provide your mortgage information

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 nonaffiliates to market to you

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

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Renovation Finance LLC and Renovation Technologies Holdings Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. RenoFi does not share with nonaffiliates so they can market to you.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include mortgage companies and depository institutions.

Definitions

Affiliates

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

Our affiliates include Renovation Finance LLC and Renovation Technologies Holdings Inc.

Nonaffiliates

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

RenoFi does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include mortgage companies and depository institutions.

Other important information
California Residents: We will not share personal information with nonaffiliates to market to you, except with your express consent. We will not share your personal and financial information with affiliates or joint marketing companies except with your express consent or after we notify you and provide an opt-out form you can use to restrict this type of information sharing. Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.renofi.com/notices/privacy/ or call 855-736-6341.

Other important information

California Residents: We will not share personal information with nonaffiliates to market to you, except with your express consent. We will not share your personal and financial information with affiliates or joint marketing companies except with your express consent or after we notify you and provide an opt-out form you can use to restrict this type of information sharing.

Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at https://www.renofi.com/notices/privacy/ or call 855-736-6341.