Shaping a Stronger Financial
Tomorrow

Online Finance Recredit Financial Services, Inc. ("Online Finance Recredit," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect information obtained through our website, mobile applications, and associated financial services platforms. By accessing or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy.

1. Information We Collect

1.1 Personal Identification Information

We collect information that identifies you as an individual, including but not limited to your full legal name, date of birth, social security number or equivalent national identification number, government-issued identification documents, residential address, mailing address, email address, phone number, and signature. This information is collected when you open an account, apply for a loan or insurance product, or engage with our advisory services.

1.2 Financial Information

To provide our financial services, we collect detailed financial information including your income and employment history, tax returns and financial statements, bank account details and transaction history, investment portfolio information, credit history and credit score data, assets and liabilities, and existing insurance coverage details. This financial data enables us to assess your eligibility for products and provide tailored financial recommendations aligned with your goals.

1.3 Technical and Usage Information

When you interact with our digital platforms, we automatically collect certain technical information including your IP address, browser type and version, operating system, device identifiers, cookies and tracking technologies data, pages visited and time spent, click-stream data, and geographic location derived from your IP address. This data helps us improve platform performance, personalize your experience, and detect fraudulent activity.

2. How We Use Your Information

2.1 Service Provision and Account Management

The primary purpose for collecting your information is to provide the financial services you have requested or are considering. We use your information to process applications for loans, insurance, and investment products; execute financial transactions; maintain and manage your accounts; communicate account-related notifications; and provide customer support services. Without this information, we are unable to deliver our core services to you.

2.2 Regulatory Compliance and Legal Obligations

As a licensed financial services provider regulated by the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), and other applicable regulatory bodies, we are legally required to collect, maintain, and report certain information. We use your data to comply with anti-money laundering (AML) laws, Know Your Customer (KYC) requirements, tax reporting obligations, and other applicable financial regulations. Failure to provide required information may prevent us from opening or maintaining your account.

2.3 Marketing and Communications

With your consent, we may use your information to send you information about new products and services, market insights and financial education content, promotional offers and personalized recommendations, and event invitations. You have the right to opt out of marketing communications at any time by clicking the unsubscribe link in any email or contacting us directly. Opting out of marketing communications will not affect our ability to send you service-related notifications.

3. Information Sharing and Disclosure

3.1 Third-Party Service Providers

We may share your information with carefully vetted third-party service providers who assist us in delivering our services. These partners include credit bureaus and data verification services, payment processors and banking partners, technology platform providers, legal and compliance advisors, marketing and analytics platforms, and actuarial and underwriting services for insurance products. All third-party providers are contractually bound to maintain the confidentiality and security of your information and may only use it for the specific purpose for which it was shared.

3.2 Legal and Regulatory Disclosures

We may disclose your information when required by law, court order, or regulatory authority; when necessary to protect the rights, property, or safety of Online Finance Recredit, our clients, or the public; in connection with legal proceedings or investigations; or to enforce our terms of service or other legal agreements. We will, where legally permissible and practical, notify you before making such disclosures.

4. Data Security

We implement industry-leading technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, and destruction. Our security infrastructure includes 256-bit AES encryption for all data transmissions and storage, multi-factor authentication protocols, intrusion detection and prevention systems, regular third-party security audits and penetration testing, employee security training and access controls, and secure data centers with 24/7 physical surveillance. While we employ every reasonable measure to protect your data, no method of electronic transmission or storage is 100% secure. In the unlikely event of a data breach affecting your personal information, we will notify you in accordance with applicable data breach notification laws.

5. Data Retention

We retain your personal information for as long as necessary to provide our services, fulfill the purposes outlined in this Privacy Policy, comply with legal and regulatory retention requirements, resolve disputes, and enforce our agreements. Financial records are typically retained for a minimum of seven years as required by applicable financial regulations. When we no longer need your information, we securely delete or anonymize it in accordance with our data destruction policies.

6. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights with respect to your personal information, including the right to access the personal information we hold about you, the right to request correction of inaccurate information, the right to request deletion of your information subject to legal retention requirements, the right to restrict or object to certain processing activities, the right to data portability, and the right to withdraw consent for processing based on consent. To exercise any of these rights, please contact our Privacy Office at privacy@onlinefinancerecredit.com. We will respond to all legitimate requests within 30 days.

7. Cookies and Tracking Technologies

Our platforms use cookies, web beacons, pixels, and similar tracking technologies to enhance your experience, analyze platform usage, and deliver relevant content and advertising. We use strictly necessary cookies required for platform functionality, performance cookies that help us understand how you interact with our services, functional cookies that remember your preferences, and analytics cookies that provide aggregated insights into platform usage. You can control cookie settings through your browser preferences, though disabling certain cookies may impact the functionality of our services.

8. Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected personal information from a person under 18, we will promptly delete that information. If you believe we have collected information from a minor, please contact us immediately at privacy@onlinefinancerecredit.com.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time to reflect changes in our practices, legal requirements, or service offerings. We will notify you of material changes by posting the updated policy on our website with a new effective date and, where required by law, by sending you direct notification. Your continued use of our services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy.

10. Contact Information

If you have any questions, concerns, or complaints regarding this Privacy Policy or our data handling practices, please contact at: contact@onlinefinancerecredit.com. We take all privacy inquiries seriously and are committed to resolving your concerns in a timely and transparent manner.

These Terms and Conditions ("Terms," "Agreement") constitute a legally binding contract between you ("Client," "User," "you") and Online Finance Recredit Financial Services, Inc. ("Online Finance Recredit," "Company," "we," "us"). By accessing our website, mobile applications, or engaging with any of our financial products and services, you confirm that you have read, understood, and unconditionally agree to be bound by these Terms. If you do not agree to these Terms in their entirety, you must immediately cease using our services.

1. Eligibility and Account Registration

1.1 Age and Legal Capacity

To access and use Online Finance Recredit's services, you must be at least 18 years of age, possess the legal capacity to enter into binding contracts under applicable law, not be a person prohibited from receiving financial services under applicable laws or regulations, and be a resident of a jurisdiction where our services are legally available. By registering an account, you represent and warrant that you meet all eligibility requirements and that all information you provide is accurate, current, and complete.

1.2 Account Responsibilities

You are solely responsible for maintaining the confidentiality of your account credentials, restricting access to your account and devices, all activities that occur under your account, immediately notifying us of any unauthorized use of your account or security breach, and ensuring all account information remains accurate and up to date. Online Finance Recredit shall not be liable for any loss resulting from unauthorized access to your account due to your failure to safeguard your credentials.

2. Financial Services and Products

2.1 Nature of Services

Online Finance Recredit provides a comprehensive range of financial products and services including loan origination and servicing, insurance underwriting and brokerage, investment advisory and portfolio management, wealth management and financial planning, digital payment solutions, debt relief services, and warranty products. Each product or service is subject to specific terms, eligibility requirements, and regulatory conditions that will be presented to you at the time of application or enrollment.

2.2 Investment Risk Disclosure

All investments carry inherent risks, including the possible loss of the principal amount invested. Past performance of any investment product, strategy, or market index is not indicative of future results. The value of investments may fluctuate due to market conditions, interest rate changes, economic factors, and other variables beyond our control. We strongly encourage all clients to carefully review all investment materials, prospectuses, and risk disclosures before making any investment decision. Online Finance Recredit advisors provide guidance based on information you provide, and investment outcomes cannot be guaranteed.

2.3 Loan Services

Loan products offered by Online Finance Recredit are subject to credit approval, income verification, and applicable underwriting criteria. Interest rates, fees, terms, and conditions vary based on creditworthiness, product type, and prevailing market conditions. All loan agreements will be governed by separate loan contracts that you must review and execute. Failure to make timely payments may result in additional fees, credit reporting consequences, and, in certain circumstances, legal action or asset recovery proceedings as outlined in your specific loan agreement.

3. Fees, Charges, and Payments

3.1 Fee Disclosure

Online Finance Recredit charges fees for certain products and services, which are disclosed at the time of application or account setup. These may include advisory and management fees for wealth management services, origination fees and processing charges for loan products, insurance premiums and policy fees, transaction fees for certain payment services, and early termination or prepayment penalties as applicable. All fees are subject to change with advance notice as required by applicable law.

3.2 Payment Authorization

By enrolling in any paid Online Finance Recredit service, you authorize us to charge the payment method on file for all applicable fees according to the agreed billing schedule. You are responsible for ensuring sufficient funds are available to cover all charges. In the event of a failed payment, we reserve the right to suspend or terminate your access to services and to charge applicable late fees as disclosed in your service agreement.

4. Intellectual Property

All content available through Online Finance Recredit's platforms, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and digital downloads, is the exclusive property of Online Finance Recredit Financial Services, Inc. or its content suppliers and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use our platforms for personal, non-commercial purposes only. Any reproduction, redistribution, modification, or commercial use of our content without prior written consent constitutes a material breach of these Terms and may result in legal action.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Online Finance Recredit, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or related to your use of our services, including but not limited to loss of profits, loss of data, loss of goodwill, service interruptions, computer damage, system failure, or the cost of substitute services, even if Online Finance Recredit has been advised of the possibility of such damages. In no event shall Online Finance Recredit's total cumulative liability to you exceed the greater of the amount you paid for the specific service giving rise to the claim during the twelve months preceding the event, or one hundred US dollars ($100).

6. Dispute Resolution and Arbitration

6.1 Informal Resolution

Before initiating any formal legal proceeding, you agree to first attempt to resolve any dispute informally by notifying Online Finance Recredit in writing describing the nature of the dispute and the resolution sought. We will make good-faith efforts to resolve the dispute within 30 days of receiving your written notice. Many disputes can be resolved efficiently through this informal process.

6.2 Binding Arbitration

If informal resolution is unsuccessful, any dispute arising out of or relating to these Terms or our services shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in New York, New York, or via remote proceedings. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Both parties expressly waive the right to a trial by jury and agree not to participate in class action proceedings of any kind against Online Finance Recredit.

7. Termination and Suspension

Online Finance Recredit reserves the right to suspend or terminate your account and access to services at any time, with or without notice, for reasons including but not limited to: violation of these Terms or any supplemental agreement; fraudulent, abusive, or illegal activity; failure to pay applicable fees; extended account inactivity; or at our discretion for business reasons. Upon termination, all provisions of these Terms that by their nature should survive termination shall continue in full force, including intellectual property provisions, warranty disclaimers, liability limitations, and dispute resolution provisions. Termination of your account does not relieve you of any outstanding financial obligations.

8. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of USA, without regard to its conflict of law principles. For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in New York County, New York. If you access our services from outside the USA, you are responsible for compliance with all applicable local laws and regulations in your jurisdiction.

9. Amendments to Terms

Online Finance Recredit reserves the right to modify, update, or replace these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on our website with a revised effective date and by sending a notification to the email address associated with your account. Your continued use of our services following the posting of revised Terms constitutes your binding acceptance of those changes. It is your responsibility to review these Terms periodically for any updates.

10. Entire Agreement and Severability

These Terms, together with our Privacy Policy and any product-specific agreements you have executed, constitute the entire agreement between you and Online Finance Recredit regarding your use of our services and supersede all prior agreements, representations, and understandings. If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary while the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of those rights.

For questions about these Terms and Conditions, please contact our Legal Department at contact@onlinefinancerecredit.com.