Your privacy is our priority.

Introduction

RAC Capital Corp, along with its parent entities, subsidiaries, and affiliates operating under the RAC Group of Companies branding (collectively referred to as "RAC," "we," "us," or "our"), prioritizes the privacy of your personal information.

This Privacy Policy aims to clearly inform you about how we collect, utilize, share, and protect your personal information. This policy is applicable to individuals who visit and use our website and mobile application (together, "Site") as well as the services offered through our Site ("Services").

We may update this Privacy Policy over time. Whenever changes are made, we will publish the revised policy on this webpage. We encourage you to review this Privacy Policy regularly for any updates.

Online Information Collection

Your Personally Identifiable Information (PII) is collected through your interactions with our Site and Services. PII is defined as any information that can be used to identify you personally, which we collect online when you engage with our Services for business purposes. The types of PII we collect include:

Information You Provide to Us

• For financing applications, you're required to create an account, providing details such as your name, email address, phone number, and password. Additional required information includes your physical address, Social Security number, business details (name, size, type), financial data (bank and credit card statements, average bank balance, credit history, bank account info, tax ID number), and potentially beneficial ownership information for identity verification purposes.

Information Collected Automatically

• As you navigate our Site, we automatically gather PII such as page views, frequency of access, and interactions within the Site.
• We collect data about your device, including IP address, hardware model, operating system, application version, and browser type.
• Information about Site access via mobile devices, including device type and carrier, is aggregated.
• We also collect city-regional location information from Site visitors.

Information from Third Parties

• Occasionally, we may receive PII about a third party from you. If you share third-party PII, it's your responsibility to ensure you're authorized to do so, allowing us to use that information in line with this Privacy Policy.

Third-Party Sources

• For service provision, we might receive PII about you from external sources like credit reporting agencies, identity verification services, and governmental bodies.

Utilizing Your Information

The PII we collect is primarily used to offer you our Services, enhance our Site and Services, and protect our legal interests. Specifically, we use your PII to:

• Analyze and aggregate PII for internal review;
• Operate and enhance our Services, including credit offerings and partner lender referrals;
• Verify identity and perform due diligence;
• Register and identify you upon account login;
• Process applications and determine product eligibility;
• Manage accounts and facilitate payments;
• Communicate about your account, customer service inquiries, marketing efforts, and updates;
• Engage with your feedback on our blog;
• Conduct research and analysis to understand our customer base better;
• Notify you of any changes to our Site or Services;
• Support user inquiries;
• Maintain and improve our online offerings;
• Uphold site and service security;
• Address illegal activities, fraud, threats, policy violations, or as legally required;
• Enforce our Privacy Policy and other agreements;
• Defend our legal rights and those of others;
• Satisfy any other provided or deemed necessary purposes.

Sharing Your Information

Your information may be shared in the following ways:

• With RAC Group of Companies subsidiaries, as RAC Capital Corp is a part of the RAC family;
• With third-party lending partners;
• With service providers handling data or site-related tasks (e.g., hosting, maintenance, analysis);
• With parties assisting with advertising and marketing efforts;
• When required by law or in legal processes;
• To protect or enforce rights, including for fraud prevention;
• In business transactions like mergers, sales, or acquisitions;
• When you've consented to the sharing;
• For any disclosed purposes at the time of information provision or as deemed necessary, including for health or safety protections.

Exclusions apply to certain data, like text message opt-ins, which won't be shared externally.

Cookies and Tracking Technologies

We employ cookies and similar technologies (pixels, web beacons) to enhance your experience by:

• Estimating user numbers and usage patterns;
• Storing preferences for customized interactions;
• Promoting relevant content and services;
• Monitoring ad effectiveness and search engine performance;
• Gathering aggregate data for site improvement;
• Recognizing return users.

These technologies are set both by us and external parties. We use third-party cookies for information, improvement, advertising, and analytics purposes, with tools from Google, Facebook, and others.

Opting Out of Cookies:

• You have the option to block cookies via browser settings, with further information available at AboutCookies.org or allaboutcookies.org.
• Specific opt-out instructions are provided for Adobe, Google, Facebook, LinkedIn, Mixpanel, and Outbrain.

You can block Cookies by changing your Internet browser settings. You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.

• Adobe: https://www.adobe.com/privacy/opt-out.html
• Google: https://adssettings.google.com
• Facebook: https://www.facebook.com/about/ads
• LinkedIn: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out
• Mixpanel: https://help.mixpanel.com/hc/en-us/articles/360001113426-Opt-Out-of-Tracking
• Outbrain: https://my.outbrain.com/recommendations-settings/home

Google Analytics and Full Story are used for user interaction analysis, subject to their privacy policies. Opt-out links are provided for these services.

Opt-Out Preference Signals

The Site recognizes and adheres to Global Privacy Control signals for opt-out preferences, alongside "Do Not Track" browser settings.

Your Data Choices

For access, correction, or deletion requests regarding your PII, please contact us directly. Marketing communications can be opted out of via unsubscribe links or direct requests.

Security

We implement reasonable security measures for PII protection, though absolute security cannot be guaranteed. Our team does not access or modify your banking information beyond viewing.

Third-Party Links

Our Site may link to external sites, over which we hold no control. This Privacy Policy applies solely to information collected by our Site and Services.

Children's Privacy 

Our Services are not intended for children under 13, and we do not knowingly collect their data.

Nevada and California Residents

Special notices are provided for residents of Nevada and California regarding personal information sales opt-outs and additional privacy rights under the CCPA.

Accessibility

We ensure this Privacy Policy is accessible to all, with alternative formats available upon request.

Contacting Us

For privacy-related questions or concerns, reach out via info@racgroupcompanies.com