Privacy Policy

Privacy Policy – Rent Now Pay Later LLC

Effective Date: June 2, 2025

Last Updated: June 5, 2025

1. Overview

Rent Now Pay Later LLC (“RNPL,” “we,” “our,” or “the Company”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or apply for our services, including unsecured loans intended to assist with rental-related expenses.

We are currently authorized to operate only in the state of Florida, and our services are only intended for residents of Florida.

2. Overview

We collect information from you directly and through third-party technologies when you use our services. This may include:

1. Personal Information
   1. Name
   2. Date of Birth
   3. Address history
   4. Social Security Number
   5. Government-issued identification
   6. Phone number and email
   7. Income and employment details
2. Financial Information
   1. Bank account details for repayment
   2. Rent payment history
   3. Credit information (including soft credit pulls)
   4. Lease information and rental obligations, including Lease Agreement
3. Device and Location Information: We partner with third-party technology providers to collect geolocation and IP-based tracking data to help us assess risk and determine eligibility. This may include:
   1. Device identifiers
   2. IP address
   3. Location data (GPS or browser-based)

3. How We Use Your Information

1. We use your information to:
   1. Verify your identity
   2. Evaluate loan applications and determine eligibility
   3. Detect and prevent fraud
   4. Communicate with you about your application or account
   5. Provide geolocation-based services and compliance screening
   6. Comply with legal obligations, including lending and anti-fraud regulations

4. Sharing Your Information

1. We may share your information with:
   1. Service providers who support our operations (e.g., identity verification, underwriting, geolocation services)
   2. Regulatory authorities as required by law
   3. Landlords or property managers, with your consent or where applicable, in connection with your loan application or housing request
   4. Third-party analytics or fraud detection partners

5. Your Choices

1. You may opt out of certain types of data sharing (e.g., location tracking), but doing so may impact your ability to use our services.
2. You may update your information by contacting us at support@rnplcredit.com.

6. Cookies and Technology Tracking

1. We use cookies, pixel tags, and other technologies to collect data about usage, improve performance, and personalize user experience.

7. Data Retention

1. We retain your personal and financial information as long as necessary to:
   1. Fulfill the purposes outlined in this Privacy Policy
   2. Comply with our legal and regulatory obligations
   3. Resolve disputes and enforce agreements

8. Security

We maintain administrative, technical, and physical safeguards designed to protect your information. However, no method of electronic transmission is 100% secure.

9. Changes to This Policy

We may revise this Privacy Policy from time to time. The date of the latest revision will be listed at the top. Material changes will be communicated through our website or via email.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

11. Florida Residents Only

RNPL is currently authorized to operate only in the state of Florida. If you are not a Florida resident, you should not apply for services through our platform.

12. Contact Us

If you have questions about this Privacy Policy, you may contact us at:

Email: support@rnplcredit.com Mailing Address:

Rent Now Pay Later LLC 220 S. Main Street

Royal Oak, MI 48067.