Privacy Policy

RefiJet.com

PRIVACY and SECURITY STATEMENT

Ensuring the privacy and confidentiality of your personal information is important to YSG. Federal law gives you the right to limit some but not all sharing of your information. Federal law also requires us to describe how we gather, share and protect your personal information. The following disclosures describe how we gather, share and protect your personal information.

Types of Information We Gather and Share

The types of personal information we gather and share depend on the service or product for which you are applying. This information may include:

  • Social security number
  • Income, assets and other financial information
  • Past loan history
  • Employment information
  • Credit information and scores

We gather your personal information through the application you complete, credit bureau report(s), and other data sources.

YSG also collects non‐personal information when you visit our website. This includes but is not limited to, for example, your IP address and device identifier. YSG uses this information to recognize you when you return to our website, respond to your requests, and follow up.

How We Share Information

We share your personal information as follows:

  • For our everyday business purposes: evaluating and processing applications for a loan and, if applicable, any associates products or services
  • For our marketing purposes: to offer you products and services directly or through other providers
  • For loan underwriting and approval: your personal information is shared with one or more third‐party lenders who may offer you a loan through the YSG program
  • For products/services underwriting and approval: your personal information is shared with one or more providers of products/services that you elect to consider along with your refinance loan application.

We do not share your personal information with any other affiliates or parties. To limit our sharing your personal information, per Federal regulations, or for additional information, contact us at info@RefiJet.com.

When you are no longer our customer, we continue to share your information as described in this policy.

How We Protect Your Information

To protect your personal information from unauthorized access and use, we implement a variety of security practices that comply with Federal law, including using state‐of‐the‐art systems and software, authorization levels for employee access, physical security and limited access at our offices, computer safeguards, and use of encryption in our systems and as we transfer data. We have also implemented security and privacy obligations in our contracts with vendors.

Changes to this Statement

YSG may, from time to time, update or change this Privacy and Security Statement. The effective date of this Privacy and Security Statement is shown below. This date indicates the date of the most recent revision.

Effective Date: 2016‐11‐01 3:52PM MST

Important Disclosures and Requirements

Customer Consent to Receive Account Information Electronically

The Electronic Signatures in Global and National Commerce Act requires your consent to receive certain disclosures electronically. Please read this section carefully and retain a copy of this document for your records.

ELECTRONIC RECORDS

Some communications and disclosures with and by RefiJet.com on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. However, if you wish to obtain a paper copy of any disclosure to your offer and/or loan/finance offer request, you may write to Yield Solutions Group, LLC (dba RefiJet.com) at 7555 E. Hampden Ave., Ste. 500, Denver, CO 80231. We will not charge you a fee for a paper copy of the Disclosures you request. RefiJet does not provide any Lenders’ disclosures.

RefiJet.com reserves the right, in its sole discretion, to stop providing Disclosures electronically. RefiJet.com will provide you with notice of any such termination as required by applicable law. If RefiJet.com chooses to stop providing Disclosures electronically, RefiJet.com will send any future Disclosures to you in paper form.

YOUR CONSENT IS REQUIRED

The applicant and any co‐applicant (collectively, “you”) must consent to receive Disclosures electronically in order to complete the loan/finance offer request process with RefiJet.com on behalf of its participating Lenders (as defined above). Your consent will apply to Disclosures you receive from RefiJet.com, its successors and assignees, and any Lenders. You may withdraw your consent for receiving electronic Disclosures by notifying RefiJet.com at Info@RefiJet.com. Since RefiJet.com is structured to provide some loan/finance offer request related information electronically, not consenting, or withdrawing your consent to receive electronic Disclosures may terminate your loan/finance offer request process. You may withdraw your consent to do business electronically with our participating Lenders at no cost to you. You may do so by contacting the Lender at the mailing address, e‐mail address or telephone number they provide to you separately for such purpose.

CONSENT TO RECEIVE DISCLOSURES ELECTRONICALLY

In order to use this service, you must consent to receive disclosures including but not limited to the Terms of Service and Privacy Notice electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.

If you have access to this website, you have suitable hardware/software to access and retain electronic documents.

This consent is valid until revoked by either party.

Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.

MONTHLY PAYMENT REDUCTION CLAIM**

This average monthly auto loan payment savings reflects loans where the borrower chose to lower their monthly payment. Not every auto refinance is intended to lower monthly payment. These savings are not guaranteed. Individual savings and rates may differ.

2018‐10‐08 02:30PM MST