Website Privacy Policy

Last Updated:  1/1/2025

Ensuring the privacy and confidentiality of the personal information of our website users
(“you” or “your”) is important to Yield Services Group d/b/a RefiJet and RefiJet.com
(“RefiJet,” “we,” “us” or “our”).  This Website Privacy Policy describes our privacy and
security practices concerning the information we collect in connection with the
RefiJet.com website, located at www.RefiJet.com, https://refinancemycar.refijet.com/, or
any other website operated by RefiJet (“Site”).  This Website Privacy Policy explains our
online practices and how we collect, use, and protect your information.  The Website
Privacy Policy may be changed or updated without prior notice to you.  By visiting our
Site, or using any products or services offered there from (“Services”) you acknowledge
your agreement to be bound by the practices described in this Website Privacy Policy.  
Our Website Privacy Policy applies to all consumers who visit or use our Site, or use our
Services, and we encourage you to read through and review it each time you access the
Site or use our Services.  The Services are exclusively hosted in the United States. If you
do not agree with this Website Privacy Policy, we ask that you not use the Site or our
Services.

Information We Collect Online

We collect “non-personal information” about Site users and “Personal Information” from
individuals that use our Services.
“Personal Information” means personally identifiable information, which is information
that we can directly associate with a specific person without additional information.  
“Non-personal information” is information that we cannot directly associate with a
specific person without the aid of additional information.  When we combine Personal
Information and non-personal information, we treat the combined information as
Personal Information.
Certain Personal Information that you provide to us or to those businesses with which we
have a relationship in order to apply for or receive a financial product or service may be
considered non-public personal information (“NPPI”) under the federal Gramm-Leach-
Bliley Act (“GLBA”) and certain state laws.  When you enter into a financial relationship
with us (and, in any event, before we disclose NPPI in a manner that requires us to
provide you with an opportunity to opt-out of such disclosure), we will provide you with a
separate GLBA notice, which is entitled “What Does Yield Solutions Group, Inc. Do With
Your Personal Information?” (the “GLBA Privacy Notice”).  

Personal Information

You can visit our Site without submitting any personal information.  However, if you use
certain features or Services, such as completing and submitting our contact form or
inquiry to refinance your auto loan, you will be required to provide personal information.
Below is a list of the type of information we may collect:

• Name

• Date of Birth
• Address
• Email address  

We may combine Personal Information collected through the Site or your use of the
Services with other information that we, or third parties collect about you in other
contexts—such as our communications with you via email or on the phone.  As discussed
above, combined information is treated as personal information.
We may use the Personal Information as follows:

• To respond to your request(s);
• To provide you with the Services;
• To contact you regarding your interest in refinancing;
• To personalize your experience on our Site;
• Upon your written instructions, to request information about your credit profile and
  other information from consumer reporting agencies;
• For business purposes, including data analysis, developing products and services, and
  enhancing our Site; and
• For risk control, fraud detection and prevention, and to comply with laws and
  regulations.

We share Personal Information about users as described in this Website Privacy Policy,
our GLBA Privacy Notice, with the user’s consent for the purposes identified in the
consent, and as otherwise permitted or required by law.  With your consent, we share
Personal Information with lenders in our network to fulfill your inquiry about or apply to
refinance an auto loan, and with our service providers to process your inquiry or request.
For more detail on how we may share Personal Information, please see our GLBA Privacy
Notice.
RefiJet reserves the right to disclose personally identifiable information provided by users
if required by law, if RefiJet reasonably believes that disclosure is necessary to protect
RefiJet’s rights, or to comply with a judicial proceeding, court order, or legal process

Non-Personal Information

We employ commonly used information-gathering tools to collect non-personal
information as users navigate our Site, such as cookies.  Below is a list of the type of non-
personal information we may collect:

• Your IP address;
• Browser information;

• Device identifier information;  
• The date and time you visit our Site;
• Websites you may have visited before visiting our Site; and
• Other information collected through cookies, web beacons/pixel tags and other technologies.

We may use the non-personal information as follows:

• Cookies:  RefiJet uses cookies to better accommodate and serve visitors to our Site,
  improve visitors’ experiences on our Site, understand conversion paths and durations,
  and optimize website design and content.  When a user visits the Site, RefiJet’s
  servers send a cookie to the user’s computer.  By themselves, cookies recognize a
  user’s web browser and do not personally identify individual users.  Unless a Site user
  chooses to identify himself or herself to RefiJet, such as by filling out a web form,
  users remain anonymous to RefiJet.

There are two types of cookies used by this Site: session and persistent. Session
cookies are transient and exist only during one session.  They disappear from a Site
user’s computer when the user closes his or her browser software or turns off his or
her computer.  Persistent cookies remain on a user’s computer after the user closes
his or her browser or turns off his or her computer.

• Web Beacons:  RefiJet uses web beacons, also known as pixel tags, alone or in
  conjunction with cookies to compile information about users’ usage of the Site.  Web
  beacons are clear electronic images that can recognize certain types of information on
  your computer, such as cookies, when you view a particular website tied to the web
  beacon, and a description of a website tied to the web beacon.  For example, RefiJet
  may place web beacons in marketing emails that notify RefiJet when you click on a
  link in the email that directs you to the Site.  RefiJet uses web beacons to operate and
  improve our website and email communications and to analyze the performance of our
  marketing campaigns.
• IP Addresses:  When you visit the RefiJet, we collect your Internet Protocol (“IP”)
  addresses to track and aggregate non-personally identifiable information. For
  example, RefiJet uses IP addresses to monitor the regions from which users navigate
  the Site.
• Third-Party Cookies:  RefiJet may periodically engage third-party service providers to
  track and analyze non-personally identifiable statistical usage and traffic information
  from Site visitors.  RefiJet may also use other third-party cookies to track the
  performance of RefiJet advertising. The information provided to such third parties
  does not include personal information, but this information may be re-associated with
  personal information after RefiJet receives it.  Please note that RefiJet cannot control
  cookies used by third parties.

• Interest-Based Advertising: Interest-based advertising, also known as online
  behavioral advertising, uses information collected across multiple websites that you
  visit in order to help predict your preferences and show you advertisements that are
  more likely to be of interest to you. This Site uses cookies and other tracking
  technologies to collect information about your online activities over time and across
  different websites, including when you visit our Site.

We use this non-personal information to recognize users when they return to our Site,
analyze how users use the Site, improve the Site and enhance users’ experience with the
Site.  We may also use non-personal information, such as from cookies, to combine it with
Personal Information, and in such event, will treat it as Personal Information, as
described above.
We share non-personal information with certain third parties for the purposes described
above, including analyzing, and audit, research and report on website usage. RefiJet also
uses third-party service providers to help us manage and improve the Site and other
RefiJet services. For example, we use third parties to host our website and our online
portal, and to help us target and implement our email communications and direct
mailings.

Do Not Track and Opt-Out

Our Site responds to “Do Not Track” signals and similar universal opt out mechanisms on
internet browsers.
We may use Google and other third parties to serve advertisements to our users after
they visited our website. For more information on how to opt-out of that practice by
companies participating in industry self-regulation, please visit
http://optout.aboutads.info
The Site also enables third-party tracking mechanisms to collect your non-personal
information for use in online behavioral advertising. For example, third parties may use
the fact that you visited the Site to target online ads for RefiJet services to you on non-
RefiJet websites. In addition, our third-party advertising networks might use information
about your use of the Site to help target non-B RefiJet advertisements based on your
online behavior in general. For information about behavioral advertising practices,
including privacy and confidentiality, visit the Network Advertising Initiative website or
the Digital Advertising Alliance website.

The use of online tracking mechanisms by third parties is subject to those third parties’
own privacy policies, and not this Policy. If you prefer to prevent third parties from
setting and accessing cookies on your computer, you may set your browser to block
cookies. Additionally, you may remove yourself from the targeted advertising of
companies within the Network Advertising Initiative by opting out here, or of companies
participating in the Digital Advertising Alliance program by opting out here. Although our
website currently does not respond to “do not track” browser headers, you can limit
tracking through these third-party programs and by taking the other steps discussed
above.

Personal Information on Children

The Services are intended for use by individuals who are at least 18 years old and who
are legally capable of entering into a contract.  If you are under the age of 18, you should
not be visiting the Site.  We do not knowingly collect or retain personal information from
children under the age of 13.  If you are under the age of 13 and are visiting or otherwise
using the Site, you are expressly prohibited from using our services and are advised not
to disclose or provide any personally identifiable information on the Site.

How We Protect Your Information

We use commercially reasonable physical, electronic, and procedural safeguards to
protect your personal information against loss or unauthorized access, use, modification,
or deletion.

Changes to this Statement

RefiJet may, from time to time, update or change this Website Privacy Policy, so you
should review it periodically.  Your continued use of the Site after any changes are posted
will be deemed to constitute your agreement to, and acceptance of, such changes to this
Website Privacy Policy.  The effective date of this Website Privacy Policy is shown above,
at the top of this Website Privacy Policy.  This date indicates the date of the most recent
revision.

Supplemental Privacy Notice to California, Colorado, and Oregon Residents

This Supplemental Website Privacy Notice (“Supplemental Notice”) describes how
Yield Solutions Group d/b/a RefiJet’s (“RefiJet”, the “Company”, “we”, “our”, or
“us”) collects, uses and shares your information it receives about you from your
access or use of the applications, software, websites, content, products, and
services (collectively, the “Services”) made available in the United Sates by RefiJet.
This Supplemental Notice is parallel in scope to our Privacy Policy but applies only to
information collected about California, Colorado, and Oregon residents.
This Supplemental Notice covers “Personal Data”, that is, information that identifies,
relates to, describes, references, is reasonably capable of being associated with, or
could reasonably be linked, directly or indirectly, with a particular consumer or
household. Personal Data does not include:

• Publicly available information from government records.
• Deidentified or aggregated consumer information.
• Information covered by certain sector-specific privacy laws, including the Fair
  Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or the
  Driver's Privacy Protection Act of 1994; however, we have for your convenience noted below when we share information covered by these laws with our affiliate, Trusted American Mortgage, LLC consistent with our GLBA Privacy Notice and your consent

Residents of these states may have the right to request

• That we disclose
  • the categories and specific pieces of Personal Data we collected, used,
    disclosed, and sold during the past twelve months,
  • the categories of sources from which their Personal Data was
    collected,
  • our business or commercial purposes for collecting or selling their
    Personal Data, and
  • the categories of third parties with whom we shared their Personal
    Data.
• Deletion of the Personal Data we have collected from them.
• Correction of the Personal Data we have collected from them.
• To obtain the Personal Data in a portable and, to the extent technically
  feasible, readily usable format that allows you to transmit the Personal Data
  to another entity without hindrance.

You may also have the right to opt out of certain processing, including

• The sale of Personal Data,
• Targeted advertising, and
• Profiling in furtherance of decisions that produce legal or similarly significant
  effects

Here is What We Collect and Why
We collect the following categories of personal information from you and
use those categories for the following purposes. The following table also
lists, for each category, the retention period, whether or not we sell the
category of personal information to third parties or share it for cross-
context targeted advertising, and whether we disclose it for business
purposes (like with our service providers)

We also collect the following categories of sensitive personal information
from you and use those categories for the following purposes. The
following table also lists, for each category, the retention period and
whether or not we sell the category of personal information to third parties
or share it for cross-context targeted advertising.

We may also retain and use the above collected personal information and
sensitive personal information to respond to law enforcement requests and
as required by applicable law, court order, or governmental regulations. Additionally, where allowed by applicable law, we may retain and use personal information and sensitive information if it necessary for our business operations or for other legitimate business purposes or where targeted disposal is not reasonably feasible due to the manner in which the information is maintained.

We obtain the categories of personal information listed above from the following
categories of sources:

• Directly from you. For example, from forms you complete or data you
  provide that is necessary for use of the Sites.
• Indirectly from you. For example, from observing your actions on our Sites.
• From third-party service providers.

If you are a resident of one of the following states and wish to learn more about
your rights, please click the link to your state below:

• California Residents
• Colorado Residents
• Oregon Residents

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California Residents
Summary of Your Rights.
Below we provide information required under the California Consumer Privacy Act
of 2018 and California Privacy Rights Act of 2020 (collectively, the “CCPA”).

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• Request to Know
  • You may request no more than twice in any 12-month period and, subject to
    verification of your identity and certain exemptions, we will provide:
    • The categories of Personal Information we collected about you.
    • The categories of sources from which the Personal Information is
      collected.
    • The categories of Personal Information sold or shared for purposes of
      cross-contextual advertising to a third party, as well as the categories
      of third parties to whom such personal information was disclosed, by
      category of categories of personal information for each category of
      third party.
    • The categories of Personal Information that the business disclosed
      about the consumer for a business purpose and the categories of
      persons to whom it was disclosed for a business purpose.
    • Our business or commercial purpose for collecting, selling, or sharing
      for purposes of cross-contextual advertising your Personal
      Information.
    • The specific pieces of Personal Information we collected about you.

• Request to Delete
  • You may request that we delete Personal Information we have collected from you,
    subject to verification of your identity and the exceptions provided by law. If you do
    not delete your account, however, we may retain Personal Information to provide
    services requested.
• Request to Correct
  • You may request that we correct inaccurate Personal Information we have
    collected from you, subject to verification of your identity and exceptions provided
    by law
• Request Not to Sell or Share Personal Information
  • You have the right to opt-out from having your Personal Information and Sensitive
    Personal Information sold to third parties. You also have the right to opt-out from
    having your Personal Information and Sensitive Personal Information shared with
    third parties for purposes of cross-contextual advertising. RefiJet has no actual
    knowledge of any sales of Personal Information or Sensitive Personal Information
    of minors under 16 years of age
• Request to Limit Use and Disclosure
  • You may request that we limit the use and disclosure of your Sensitive Personal Information.

These rights are subject to various exclusions and exceptions under applicable
laws and are also subject to our being able to reasonably verify your identity and
authority to make a request. To facilitate this verification, you must provide us with
your full legal name and mailing address, and we may need to request further
information.

Additional California Privacy Rights. California residents may ask us to refrain
from sharing Personal Information with third parties for their own direct
marketing purposes. Please contact us as described above to indicate your
preference. Please also note it may take us up to thirty (30) days to fully process
your request.
Please note that these rights apply to select California consumers. Only you, or an
agent you authorize to act on your behalf may make a verifiable consumer request
related to your Personal Information. You may only make a verifiable consumer
request for access or data portability twice within a 12-month period. The
verifiable consumer request must provide sufficient information that allows us to
reasonably verify you are the person about whom we collected personal
information or an authorized representative, so it must include your name,
address, and phone number.

To authorize another person to make a verifiable request on your behalf, you must
provide that person with written permission clearly describing their authority to make
a request on your behalf. That agent must also be able to verify their identity with us
and provide us with their authority to act on your behalf. An individual to whom you
have provided Power of Attorney pursuant to Sections 4000 – 4465 of the California
Probate Code may also make a request on your behalf. If your request is denied, you
will be provided with a method to appeal this finding. You may also authorize someone
to exercise the above rights on your behalf. If you wish to do so, your authorized agent
must submit signed permission from you to make a request on your behalf, and we
may still verify your identity directly. If we have collected information on your minor
child, you may exercise the above rights on behalf of your minor child. As the Sites are
intended only for individuals ages 18 or older, we do not intentionally collect
information about minors. If we learn we have collected or received personal
information from a child under 18 without verification of parental consent, we will
delete that information. If you believe we might have any information from or about a
child under 18, please contact us at clientsuccess@refijet.com
We cannot respond to your request or provide you with personal information if we
cannot verify your identity or authority to make the request and confirm the
personal information relates to you.
Making a verifiable consumer request does not require you to create an account
with us. However, we do consider requests made through your password protected
account sufficiently verified when the request relates to personal information
associated with that specific account.
We will only use personal information provided in a verifiable consumer request to
verify the requestor's identity or authority to make the request.

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 Exercising Your CCPA Rights
If you are a California resident and would like to submit a CCPA request, or have
questions about this notice, you or your authorized agent may contact us at:

‍
Yield Solutions Group d/b/a RefiJet
5775 DTC Blvd. #400, Greenwood Village, CO 80111
clientsuccess@refijet.com
1-844-942-2812

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Colorado Residents

This notice describes how we collect, use, and share your personal data under
Colorado’s Privacy Act and the rights that you have with respect to your personal
data, including sensitive personal data. For purposes of this section, “Personal Data”
and “Sensitive Data” have the meaning given in the Colorado Privacy Act and do
not include information excluded from the law’s scope.
Colorado residents have the right to request:

• That we disclose
  • the categories and specific pieces of Personal Data we collected, used,
    disclosed, and sold during the past twelve months,
  • the categories of sources from which your Personal Data was
    collected,
  • our business or commercial purposes for collecting or selling you
    Personal Data, and
  • the categories of third parties with whom we shared your Personal
    Data.
• Deletion of certain Personal Data we have collected from you.
• Correction of the Personal Data we have collected from you.
• To obtain the Personal Data in a portable and, to the extent technically
  feasible, readily usable format that allows you to transmit the Personal Data
  to another entity without hindrance.

Right to Opt Out of Certain Processing:

• Colorado consumers also have the right
  • to opt out of targeted advertising,
  • to opt out of the sale of Personal Data,
  • to opt out of profiling in furtherance of decisions that produce legal or
    similarly significant effects concerning a consumer.

If you live in Colorado, we will not collect Sensitive Data from you without your
consent. In Colorado, “Sensitive Data” means:

• Personal data revealing racial or ethnic origin, religious beliefs, a mental or
  physical health condition or diagnosis, sex life or sexual orientation, or
  citizenship or citizenship status;
• Genetic or biometric data that may be processed for the purpose of uniquely
  identifying an individual; or
• Personal Data from a known child.

Only you, or an agent you authorize to act on your behalf may make a verifiable
consumer request related to your Personal Data. The verifiable consumer request
must provide sufficient information that allows us to reasonably verify you are the
person about whom we collected personal information or an authorized
representative, so it must include your name, address, and phone number.
To authorize another person to make a verifiable request on your behalf, you must
provide that person with written permission clearly describing their authority to
make a request on your behalf. We cannot respond to your request or provide you
with personal information if we cannot verify your identity or authority to make the
request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account
with us. However, we do consider requests made through your password protected
account sufficiently verified when the request relates to personal information
associated with that specific account.

You may only make a verifiable consumer request for access or data portability free
of charge once within a 12-month period. If there is more than one such request
within the same 12-month period, we may charge a fee set by Colorado law.
We will only use personal information provided in a verifiable consumer request to
verify the requestor's identity or authority to make the request.
We will respond to your request within 45 days after receipt, though we may extend
this 45-day period by 45 additional days where reasonably necessary. We will
inform you if we do so. If your request is denied, you will be provided with a method
to appeal this finding. We will notify you of the outcome of any appeal within 45
days of receipt of the appeal.
If you are a Colorado resident and would like to exercise one of these rights, you or
your authorized agent may contact us at:

‍
Yield Solutions Group d/b/a RefiJet
5775 DTC Blvd. #400, Greenwood Village, CO 80111
clientsuccess@refijet.com
1-844-942-2812

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