Thank you for viewing our website. This Privacy Policy conveys to you how we make use of personal info gathered at this site. The privacy practices set forth in this Privacy Policy are for this website only. If you link to other websites, please review the privacy policies posted at those sites. You should read through this Privacy Policy before using the website or submitting any personal details. By using this website, you are accepting the methods explained in this Privacy Policy. These procedures may be changed, but any changes will be submitted and modifications will only apply to activities and information on a going forward, not retroactive basis. Visitors are invited to look at the Privacy Policy anytime they visit the site to ensure that you understand how any personal details you supply will be used. We are not a lender and do not make loans or credit decisions. We will guide you through a list of recommended lenders based on your profile. We do not ask for a social security number, payment info, or other confidential information. Our service is FREE, we do not sell your information to others, we do not spam you, and our goal is to recommend lenders. We will NEVER contact you asking you for any type of fee or money. We prefer giving you the list of lenders directly so that you can choose which lenders, if any, you want to use. Also, please understand that we cannot help everyone but we will do everything we can to help you find a legitimate lender or research a lender you are thinking about using.

 

Collection of Information

This website may collect individually recognizable details, like names, addresses, email addresses, etc. when voluntarily posted by our visitors. The information you supply is used to fulfill your particular request. This information is solely utilized to meet your specific request, except if you provide us authorization to use it in another way (such as to add you to one of our mailing lists).

 

Cookie & Tracking Technology

This site may use cookie and tracking technologies depending on the features available. Cookie and tracking technology are useful for gathering information such as operating system and browser type, tracking the number of visitors to the website, and understanding how website visitors use the website. Cookies can also help customize the website for visitors. Personal information can not be obtained via cookies and other tracking technologies; however, if you previously supplied personal information, cookies could be tied to such information. Aggregate cookie and tracking information may possibly be shared with third parties.

 

Distribution of Information

We may reveal information with government institutions or other organizations assisting us in fraud deterrence or analysis. We may do so when (1) permitted or required by law; and/or, (2) seeking to safeguard against or stop actual or potential fraud or unauthorized dealings; and/or, (3) examining fraud that has previously occurred. Information is not granted to these organizations for marketing purposes.

 

Commitment to Data Security

Your personally identifiable information is secure. Only authorized employees, agents, and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this website enable you to opt out of further messages.

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Opt-Out/Unsubscribe

If you no longer required our services or Don't want Communication via call/SMS/Email, You may consider Opting yourself out of our Subscription List by simply Unsubscribing Yourself.

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Financial Implications (Interest & Finance Charges)

Richmond Capital Solutions is not a lender, and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. Richmond Capital Solutions' service is free of charge, and you are under no obligation to accept the terms that the lender offers you.

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CCPA (California Consumer Privacy Act of 2018) Compliance

The CCPA provides various rights to consumers who reside in California with regard to personal information.  However, Richmond Capital Solutions does not currently meet the financial, sharing or sale of personal information thresholds which would make the CCPA applicable to Richmond Capital Solutions. Richmond Capital Solutions will comply with the CCPA at such time as it is legally required to comply.

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Implications of Non-Payment

When you accept the terms and conditions of a loan, you enter into a commitment to repay the amount you owe, according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as Richmond Capital Solutions is not involved in the lending process, we cannot supply any information on the fees you will incur if any disruptions occur. For more information, please contact the lender directly if you have any issues related to your loan repayment.

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Potential Impact on Credit Score

Richmond Capital Solutions is not a lender, and we do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.

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Collection Practices

Richmond Capital Solutions is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the loan collection, please address them with your lender.

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Loan Renewal Policies

Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully read and understand the renewal policy presented in the agreement before you sign the documents.