ENSURING THE SECURITY OF THE PERSONAL INFORMATION YOU SUBMIT IS A PRIORITY OF RENUE FINANCIAL. WE WANT YOU TO KNOW THAT WE RESPECT YOUR PRIVACY, THE PRIVACY OF OUR MEMBERS AND THE PRIVACY OF OUR CUSTOMERS. THIS DOCUMENT PROVIDES INFORMATION REGARDING OUR POLICY AS IT RELATES TO THE COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION. IT ALSO OUTLINES OUR CUSTOMER'S RIGHTS TO LIMIT THE COLLECTION USE OR DISCLOSURE OF PERSONAL INFORMATION. PERSONAL INFORMATION MAY INCLUDE YOUR NAME, EMAIL, MAILING AND/OR BUSINESS ADDRESS, PHONE NUMBERS, OR OTHER INFORMATION THAT IDENTIFIES YOU PERSONALLY. WE AT RENUE FINANCIAL HOLD THIS PERSONAL INFORMATION SERIOUSLY AND WE MAINTAIN THIS INFORMATION IN THE STRICTEST OF CONFIDENCE. WE DO NOT SELL ANY INFORMATION TO ANY THIRD PARTY. WE ALSO MAINTAIN A SECURED WEBSITE ON ALL PAGES THAT REQUIRE YOU TO PROVIDE ANY PERSONAL INFORMATION. THIS POLICY APPLIES TO USERS OF RENUE FINANCIAL SERVICES ANYWHERE IN THE WORLD.

THE PRACTICES DESCRIBED IN THIS POLICY ARE SUBJECT TO APPLICABLE LAWS IN THE PLACES IN WHICH WE OPERATE. THIS MEANS THAT WE ONLY ENGAGE IN THE PRACTICES DESCRIBED IN THIS POLICY IN A PARTICULAR COUNTRY OR REGION IF PERMITTED UNDER THE LAWS OF THOSE PLACES. PLEASE CONTACT US IF YOU HAVE QUESTIONS ON OUR PRACTICES IN YOUR COUNTRY OR REGION.

BY USING THE WEBSITE AND/OR THE SERVICES AND PROVIDING US WITH PERSONAL INFORMATION YOU AGREE TO THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY AND THE COOKIE POLICY REFERENCED BELOW AND TO THE UPDATES TO THESE POLICIES POSTED HERE FROM TIME TO TIME. TO MAKE SURE YOU STAY INFORMED OF ALL CHANGES, YOU SHOULD CHECK THESE POLICIES PERIODICALLY. UPDATES WILL BE REFERENCED BY THE "LAST UPDATED" DATE SHOWN ABOVE.

BY USING OUR WEB SITE, YOU CONSENT TO THE COLLECTION AND USE OF INFORMATION BY RENUE FINANCIAL AS DESCRIBED IN THIS PRIVACY POLICY.

RENUE FINANCIAL ADHERES TO THE PRIVACY PRINCIPLES OF NOTICE, CHOICE, ONWARD TRANSFER, SECURITY, DATA INTEGRITY, ACCESS, AND ENFORCEMENT.

WE WANT YOUR USE OF THE RENUE FINANCIAL SITE AND THE SERVICES WE OFFER TO BE PRODUCTIVE AND SAFE, AND WE HAVE TAKEN GREAT EFFORTS TO KEEP YOUR INFORMATION CONFIDENTIAL AND SECURE AT ALL TIMES WITHIN OUR SYSTEM.

IF YOU HAVE QUESTIONS OR CONCERNS REGARDING THIS STATEMENT, PLEASE CONTACT US AT: SUPPORT@NATIONALCREDITSTORE.COM WITH A SUBJECT LINE OF PRIVACY CONCERNS OR PRIVACY QUESTIONS.

OUR PRIVACY POLICY IS DESIGNED TO ASSIST YOU IN UNDERSTANDING HOW WE COLLECT, USE AND SAFEGUARD THE PERSONAL INFORMATION YOU PROVIDE TO US AND TO ASSIST YOU IN MAKING INFORMED DECISIONS WHEN USING OUR SITE AND OUR PRODUCTS AND SERVICES.

PERSONAL INFORMATION

THE RENUE FINANCIAL SITE COLLECTS DIFFERENT TYPES OF PERSONAL IDENTIFIABLE INFORMATION (PII) SUCH AS NAME, ADDRESS, EMAIL ADDRESS AND PHONE NUMBER.

WHEN YOU PURCHASE ANY OF OUR PRODUCTS OR SERVICES, RENUE FINANCIAL AUTOMATICALLY COLLECTS INFORMATION ON THE TYPE OF DEVICE YOU USE, OPERATING SYSTEM VERSION, AND THE DEVICE IDENTIFIER. WE DO NOT ASK FOR, ACCESS, OR TRACK ANY LOCATION-BASED INFORMATION FROM YOUR DEVICE.

GENERALLY, YOU CAN VISIT THE RENUE FINANCIAL SITE WITHOUT ENTERING ANY PII. HOWEVER, IF YOU CHOOSE TO PLACE AN ORDER ON THE RENUE FINANCIAL SITE, WE REQUIRE THAT YOU PROVIDE YOUR NAME, MAILING ADDRESS, BILLING ADDRESS, EMAIL ADDRESS, PHONE NUMBER, CREDIT CARD NUMBER, ITS EXPIRATION DATE OR A BLOCKCHAIN WALLET INFORMATION. ALL OF THIS INFORMATION IS NECESSARY FOR US TO COMPLETE THE TRANSACTION AND NOTIFY YOU OF YOUR ORDER STATUS.

WE ALSO COLLECT THIRD PARTY PERSONAL INFORMATION FROM CUSTOMERS, INCLUDING THEIR NAME, ADDRESS, TELEPHONE NUMBER, EMAIL ADDRESS, AND CREDIT CARD NUMBER, EXPIRATION DATE AND BLOCKCHAIN WALLETS.

THIS PII IS USED TO CHARGE FOR PRODUCT ORDERS AND SHIP PRODUCT (WHEN APPLICABLE) AND FOR NO OTHER PURPOSES.

NON-PERSONALLY IDENTIFIABLE INFORMATION COLLECTED AUTOMATICALLY

AS IS TRUE OF MOST WEB SITES, RENUE FINANCIAL GATHER CERTAIN INFORMATION AUTOMATICALLY AND STORE IT IN LOG FILES. THIS INFORMATION MAY INCLUDE INTERNET PROTOCOL (IP) ADDRESSES, BROWSER TYPE, DOMAIN TYPE, INTERNET SERVICE PROVIDER (ISP), REFERRING/EXIT PAGES, OPERATING SYSTEM, DATE/TIME STAMP, AND/OR CLICKSTREAM DATA.

SUPPLEMENTATION OF INFORMATION

IN ORDER TO PROTECT YOUR ACCOUNT, WE MAY ON OCCASION SUPPLEMENT THE PERSONAL INFORMATION YOU SUBMITTED TO US WITH INFORMATION FROM THIRD PARTY SOURCES.

RENUE FINANCIAL USE SERVICES FROM LEADERS IN THE INDUSTRY TO VERIFY YOUR IDENTITY, IN ORDER TO PREVENT OTHERS FROM DEFRAUDING YOUR ACCOUNT OR THE COMPANY.

HOW WE USE YOUR INFORMATION

WE MAY USE YOUR EMAIL ADDRESS, MAILING ADDRESS AND/OR PHONE NUMBER TO PROVIDE QUALITY CUSTOMER SUPPORT OR TO REACH YOU REGARDING ORDER STATUS, PRODUCT OR FULFILLMENT ISSUES AND OTHER CUSTOMER SERVICE-RELATED ACTIVITIES.

WE MAY USE YOUR EMAIL ADDRESS, MAILING ADDRESS AND/OR PHONE NUMBER TO CONTACT YOU REGARDING NEW PRODUCT OFFERINGS, SPECIAL SALES, NEWSLETTERS, MARKET RESEARCH, AND ENFORCEMENT OF THE DISTRIBUTOR CONTRACT AND OTHER ASPECTS OF YOUR USE OF THE RENUE FINANCIAL SITES.

IF, HOWEVER, YOU DO NOT WISH TO RECEIVE SUCH COMMUNICATIONS, YOU HAVE THE ABILITY TO "OPT-OUT" AT ANY TIME AND YOU WILL NOT BE CONTACTED FURTHER, UNLESS YOU PLACE A PRODUCT ORDER. IN THAT CASE, WE WILL SEND YOU AN ORDER CONFIRMATION.

FROM TIME TO TIME, WE MAY ASK YOU TO ANSWER SURVEYS REGARDING CURRENT OR FUTURE RENUE FINANCIAL PRODUCTS, AS WELL AS TO DETERMINE HOURS WORKED AT EACH RANK IN THE COMPENSATION PLAN. PARTICIPATION IN THESE SURVEYS IS ALWAYS OPTIONAL. SURVEY RESPONSES ARE ONLY USED IN THE AGGREGATE AND ARE NEVER LINKED TO AN INDIVIDUAL.

WE MAY OCCASIONALLY SHARE THE AGGREGATE SURVEY DATA WITH OUR AFFILIATES AND DEVELOPMENT PARTNERS IN ORDER TO FACILITATE NEW PRODUCT DEVELOPMENT AND IMPROVE CUSTOMER SERVICE AND OVERALL CUSTOMER SATISFACTION.

INFORMATION SHARING AND CHOICE

RENUE FINANCIAL IS NOT AN "INFORMATION BROKER” OR A “FINANCIAL BROKER”

RENUE FINANCIAL DOES NOT SELL CUSTOMER PARTNER OR USER PROFILES, CONTACTS, WEB USAGE HABITS, BEHAVIOR, BUYING PATTERNS, OR DEMOGRAPHIC INFORMATION.

RENUE FINANCIAL USES THE INFORMATION IT COLLECTS ABOUT YOU TO PROCESS ORDERS AND PROVIDE THE BEST AND MOST PERSONALIZED SERVICE POSSIBLE.

RENUE FINANCIAL WILL NOT USE OR SHARE THE PII PROVIDED TO IT ONLINE IN WAYS UNRELATED TO THE ONES DESCRIBED ABOVE WITHOUT FIRST INFORMING AND OFFERING YOU A CHOICE. RENUE FINANCIAL WILL ALSO PROVIDE YOU THE OPPORTUNITY TO LET RENUE FINANCIAL KNOW IF YOU DO NOT WISH TO RECEIVE UNSOLICITED DIRECT MARKETING MATERIALS FROM RENUE FINANCIAL AND RENUE FINANCIAL WILL DO EVERYTHING RENUE FINANCIAL CAN TO HONOR SUCH REQUESTS.

AGENTS/SERVICE PROVIDERS

RENUE FINANCIAL MAY USE THIRD PARTIES SHIPPING OR SOFTWARE COMPANIES TO FULFILL ORDERS AND A CREDIT CARD PROCESSING COMPANY TO BILL YOU FOR PRODUCTS AND SERVICES.

WHEN YOU PURCHASE A PRODUCT AND USE OUR SITE, RENUE FINANCIAL WILL SHARE YOUR NAME, ADDRESS, TELEPHONE NUMBER, AND EMAIL ADDRESS AS NECESSARY FOR THE THIRD PARTY TO PROVIDE THAT SERVICE.

THESE THIRD PARTIES ARE PROHIBITED FROM USING YOUR PERSONAL INFORMATION FOR PROMOTIONAL PURPOSES OR ANY OTHER PURPOSE ASIDE FROM WHAT IS NECESSARY TO PROVIDE SERVICES TO RENUE FINANCIAL.

BUSINESS TRANSITION

IN THE EVENT RENUE FINANCIAL GOES THROUGH A BUSINESS TRANSITION, SUCH AS A MERGER, ACQUISITION BY ANOTHER COMPANY, OR SALE OF ALL OR A PORTION OF ITS ASSETS, YOUR PERSONAL INFORMATION WILL LIKELY BE AMONG THE ASSETS TRANSFERRED.

YOU WILL BE NOTIFIED VIA EMAIL AND/OR A PROMINENT NOTICE ON OUR WEBSITE OF ANY SUCH CHANGE IN OWNERSHIP OR CONTROL OF YOUR PERSONAL INFORMATION, AS WELL AS ANY CHOICES YOU MAY HAVE REGARDING YOUR PERSONAL INFORMATION.

LEGAL DISCLAIMER

IN ADDITION TO THE CIRCUMSTANCES DESCRIBED ABOVE, RENUE FINANCIAL MAY DISCLOSE OR RELEASE INFORMATION WHEN RENUE FINANCIAL, IN GOOD FAITH, BELIEVES THAT DOING SO IS REASONABLY NECESSARY: (I) TO COMPLY WITH THE LAW, JUDICIAL PROCEEDING, COURT ORDER, OR LEGAL PROCESS SERVED ON OUR WEBSITE; (II) TO ENFORCE OR APPLY THE TERMS OF USER AGREEMENT; OR (III) TO PROTECT THE RIGHTS, PROPERTY OR SAFETY OF RENUE FINANCIAL SITES, RENUE FINANCIAL USERS, OR OTHERS.

LINKS TO OTHER SITES

THIS RENUE FINANCIAL SITE MAY CONTAIN LINKS TO OTHER SITES THAT ARE NOT OWNED OR CONTROLLED BY RENUE FINANCIAL INCLUDING BUT NOT LIMITED TO, SOFTWARE AS A SERVICE, PRODUCTS BRANDED FOR RENUE FINANCIAL AND OTHER SERVICES AS RENUE FINANCIAL SEES FIT TO PROVIDE.

PLEASE BE AWARE THAT, RENUE FINANCIAL, IS NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OF SUCH OTHER SITES OR SERVICES.

WE ENCOURAGE YOU TO BE AWARE WHEN YOU LEAVE OUR SITE AND TO READ THE PRIVACY POLICIES OF EACH AND EVERY WEBSITE THAT COLLECTS PERSONAL INFORMATION.

THIS PRIVACY POLICY APPLIES ONLY TO INFORMATION COLLECTED BY THIS RENUE FINANCIAL SITE.

SOCIAL MEDIA APP AND WIDGETS

RENUE FINANCIAL WEBSITES INCLUDE SOCIAL MEDIA FEATURES, SUCH AS THE FACEBOOK LIKE BUTTON AND WIDGETS, INCLUDING INTERACTIVE MINI PROGRAMS THAT RUN ON THE RENUE FINANCIAL WEBSITE.

THESE FEATURES MAY COLLECT YOUR IP ADDRESS, WHICH PAGE YOU ARE VISITING ON OUR SITE, AND MAY SET A COOKIE TO ENABLE THE FEATURE TO FUNCTION PROPERLY.

SOCIAL MEDIA FEATURES AND WIDGETS ARE EITHER HOSTED BY A THIRD PARTY OR HOSTED DIRECTLY ON OUR WEB SITE.

YOUR INTERACTIONS WITH THESE FEATURES ARE GOVERNED BY THE PRIVACY POLICY OF THE COMPANY PROVIDING IT INCLUDING RENUE

FINANCIAL’S MOBILE APP.

TRACKING INFORMATION

RENUE FINANCIAL DOES NOT TRACK RENUE FINANCIAL SITE USER’S ONLINE ACTIVITY OVER TIME OR ALLOW OTHER PARTIES TO DO THIS ON THE RENUE FINANCIAL SITE.

LOG FILES

LIKE MOST EVERY WEBSITE, THE RENUE FINANCIAL SITE RECORDS CERTAIN TRACKING INFORMATION EVERY TIME SOMEONE VISITS THE SITE.

FOR EVERY WEBPAGE THAT IS VIEWED, OUR WEB SERVER RECORDS AN IP ADDRESS, THE OPERATING SYSTEM, BROWSER VERSION AND THE NAME OF THE VIEWED WEBPAGE.

RENUE FINANCIAL USE A THIRD-PARTY TRACKING SERVICE THAT USES TRACKING TECHNOLOGIES TO TRACK NON-PERSONAL INFORMATION ABOUT RENUE FINANCIAL SITE VISITORS.

THIS INFORMATION IS NOT LINKED TO ANY SPECIFIC USER AND IS USED IN THE AGGREGATE TO MAINTAIN, TRACK PERFORMANCE, AND IMPROVE THE RENUE FINANCIAL SITES.

COOKIES

A COOKIE IS A SMALL PIECE OF INFORMATION THAT IS STORED BY YOUR BROWSER ON YOUR COMPUTER'S HARD DRIVE.

THE RENUE FINANCIAL SITE USES COOKIES FOR THE SOLE PURPOSE OF UNIQUELY IDENTIFYING OUR USERS AND SECURING THEIR PERSONAL INFORMATION.

RENUE FINANCIAL ALSO USES COOKIES TO TRACK YOUR ORDER PROCESS WITHOUT REQUIRING REENTRY OR RE-VERIFICATION OF PASSWORD OR PERSONAL INFORMATION ON EACH PAGE OF THE SITE.

RATHER THAN STORING THIS INFORMATION ON RENUE FINANCIAL’S SERVER, THE COOKIE IS STORED IN YOUR COMPUTER AND IS ACTIVATED ONLY WHEN YOU VISIT THE RENUE FINANCIAL SITE.

YOUR PRIVACY AND SECURITY ARE NOT COMPROMISED WHEN YOU ACCEPT A COOKIE FROM THE RENUE FINANCIAL SITE.

NO ONE CAN ACCESS THE INFORMATION EXCEPT RENUE FINANCIAL.

THIRD PARTY TRACKING TECHNOLOGIES

SOME OF OUR BUSINESS PARTNERS USE COOKIES AND WEB BEACONS ON OUR SITE.

RENUE FINANCIAL DOES NOT HAVE ACCESS OR CONTROL OVER THESE THIRD-PARTY TRACKERS.

CLEAR GIFS (WEB BEACONS/WEB BUGS)

RENUE FINANCIAL MAY EMPLOY A SOFTWARE TECHNOLOGY CALLED “CLEAR GIFS” (AKA WEB BEACONS/WEB BUGS), THAT HELP RENUE FINANCIAL BETTER MANAGE CONTENT ON THE RENUE FINANCIAL SITE BY INFORMING US WHAT CONTENT IS EFFECTIVE.

CLEAR GIFS ARE TINY GRAPHICS WITH A UNIQUE IDENTIFIER, SIMILAR IN FUNCTION TO COOKIES, AND ARE USED TO TRACK THE ONLINE MOVEMENTS OF WEB USERS.

IN CONTRAST TO COOKIES, WHICH ARE STORED ON A USER’S COMPUTER HARD DRIVE, CLEAR GIFS ARE EMBEDDED INVISIBLY ON WEB PAGES AND ARE ABOUT THE SIZE OF THE PERIOD AT THE END OF THIS SENTENCE.

RENUE FINANCIAL DOES NOT TIE THE INFORMATION GATHERED BY CLEAR GIFS TO RENUE FINANCIAL CUSTOMERS’ PERSONAL INFORMATION.

RENUE FINANCIAL MAY USE CLEAR GIFS IN OUR HTML-BASED EMAILS TO LET RENUE FINANCIAL KNOW WHICH EMAILS HAVE BEEN OPENED BY RECIPIENTS.

THIS ALLOWS RENUE FINANCIAL TO GAUGE THE EFFECTIVENESS OF CERTAIN COMMUNICATIONS AND THE EFFECTIVENESS OF OUR MARKETING CAMPAIGNS.

IF YOU WOULD LIKE TO OPT-OUT OF THESE EMAILS, PLEASE SEE “HOW WE USE YOUR INFORMATION”

FLASH COOKIES

RENUE FINANCIAL DOES NOT USE FLASH COOKIES TO COLLECT AND STORE INFORMATION.

DATA RETENTION

RENUE FINANCIAL WILL RETAIN YOUR INFORMATION FOR AS LONG AS YOUR ACCOUNT IS ACTIVE, AS NEEDED TO PROVIDE YOU SERVICES AND WILL USE YOUR INFORMATION AS NECESSARY TO COMPLY WITH RENUE FINANCIAL’S LEGAL OBLIGATIONS, RESOLVE DISPUTES, AND ENFORCE RENUE FINANCIAL’S AGREEMENTS.

EMAIL & "OPT OUT" POLICY

RENUE FINANCIAL MAY USE YOUR EMAIL ADDRESS PROVIDED TO CONTACT YOU REGARDING THE FOLLOWING:

1 USER REGISTRATION STATUS (INCLUDING CONFIRMATION OF ACCOUNT REGISTRATION)

2 ORDER STATUS AND SHIPPING NOTIFICATION

3 ONLINE CUSTOMER SATISFACTION SURVEY

4 MAJOR CHANGES TO THE WEBSITE, ADDITION OF NEW PRODUCTS OR SERVICES

5 PROMOTIONAL AND MARKETING MATERIALS THAT WE THINK YOU MAY FIND USEFUL

IF YOU DESIRE NOT TO RECEIVE INFORMATION ABOUT RENUE FINANCIAL PRODUCTS OR SERVICES, YOU CAN CHANGE THE NOTIFICATION OPTIONS IN YOUR ACCOUNT SETTINGS.

IF YOU WISH TO NOT RECEIVE ANY OF THESE EMAILS, YOU MAY OPT-OUT BY CLICKING THE OPT-OUT LINK OR SUBMITTING YOUR EMAIL ADDRESS TO WITHIN THE EMAIL OR BY FOLLOWING THE UNSUBSCRIBE INSTRUCTIONS WITHIN EACH EMAIL COMMUNICATION.

PROTECTING YOUR PERSONAL INFORMATION

RENUE FINANCIAL IS COMMITTED TO ENSURING THE SECURITY OF YOUR INFORMATION. TO PREVENT UNAUTHORIZED ACCESS OR DISCLOSURE, MAINTAIN DATA ACCURACY, AND ENSURE THE APPROPRIATE USE OF INFORMATION, RENUE FINANCIAL UTILIZES APPROPRIATE PHYSICAL, ELECTRONIC, AND MANAGERIAL PROCEDURES TO SAFEGUARD AND SECURE THE INFORMATION RENUE FINANCIAL COLLECTS ONLINE.

RENUE FINANCIAL PLACES A PRIORITY ON PROTECTING YOUR PERSONALLY IDENTIFIABLE INFORMATION AND TAKES COMMERCIALLY REASONABLE MEASURES TO SECURE AND PROTECT SUCH INFORMATION.

THE RENUE FINANCIAL SITES USE SECURE SOCKETS LAYER (SSL) TO ENCRYPT THE TRANSFER OF SENSITIVE INFORMATION, SUCH AS YOUR ACCOUNT PASSWORD AND BILLING INFORMATION INCLUDING CREDIT CARD (IF USED), FROM YOUR WEB BROWSER TO OUR WEB SERVER.

IF AND WHEN APPLICABLE, ONLY THE LAST FOUR (4) DIGITS OF YOUR CREDIT CARD NUMBER WILL BE DISPLAYED IN YOUR ACCOUNT OR AN INVOICE IF A CREDIT CARD TRANSACTION IS EVER USED FOR ANY PURCHASE OF RENUE FINANCIAL PRODUCTS AND SERVICES BUT USUALLY WILL BE HOSTED AND STORED ON THIRD PARTY PROVIDERS.

EMAILS YOU SEND TO RENUE FINANCIAL MAY NOT BE SECURE UNLESS OTHERWISE TOLD THAT SECURITY MEASURES WILL BE IN PLACE PRIOR TO YOUR TRANSMITTING THE INFORMATION. FOR THIS REASON, RENUE FINANCIAL ASKS THAT YOU DO NOT SEND CONFIDENTIAL INFORMATION SUCH AS CREDIT CARD NUMBERS OR ACCOUNT NUMBERS TO RENUE FINANCIAL THROUGH EMAILS

THE SAME SSL PROTOCOL ALSO ACTS TO AUTHENTICATE THE RENUE FINANCIAL SITES AND PREVENT UNAUTHORIZED "HACKERS" FROM MASQUERADING AS ANY OF RENUE FINANCIAL SITES WHILE YOU ARE LOGGED IN TO YOUR ACCOUNT. THIS IS ACCOMPLISHED THROUGH A "DIGITAL CERTIFICATE", WHICH IS AN UNFORGETTABLE ELECTRONIC "IDENTITY CARD".

IF ANOTHER WEBSITE ATTEMPTS TO FALSELY IDENTIFY ITSELF AS A RENUE FINANCIAL SITE, YOUR WEB BROWSER WILL DISPLAY A WARNING INDICATING THAT THERE IS A PROBLEM WITH THE DIGITAL CERTIFICATE FOR THE RENUE FINANCIAL SITE. DO NOT LOG IN TO THOSE SITES IF YOU SEE ANY SUCH WARNING.

RENUE FINANCIAL FOLLOWS THE GENERALLY ACCEPTED INDUSTRY STANDARD REGARDING THE PROTECTION OF CUSTOMER PERSONAL INFORMATION SUBMITTED TO RENUE FINANCIAL, BOTH DURING TRANSMISSION AND RECEIPT.

NO METHOD OF TRANSMISSION OVER THE INTERNET, OR METHOD OF ELECTRONIC STORAGE, IS 100% SECURE. RENUE FINANCIAL, REASONABLY AND WITH GOOD FAITH WILL ATTEMPT TO PROTECT YOUR PERSONAL INFORMATION BUT CANNOT GUARANTEE ABSOLUTE SECURITY.

IF YOU HAVE ANY QUESTIONS ABOUT SECURITY ON THE RENUE FINANCIAL WEBSITE, YOU CAN EMAIL RENUE FINANCIAL AT SUPPORT@NATIONALCREDITSTORE.COM

UPDATING YOUR PERSONAL INFORMATION

IF YOU WISH TO ACCESS, DELETE, OR CORRECT YOUR INFORMATION, PLEASE SEND US AN EMAIL AT: SUPPORT@NATIONALCREDITSTORE.COM

REQUESTS FOR ACCESS WILL BE RESPONDED TO WITHIN TEN (10) DAYS OF THE REQUEST.

CHILDREN’S POLICY

THE RENUE FINANCIAL WEBSITE IS NOT INTENDED FOR USE BY CHILDREN, AND CHILDREN UNDER THE AGE OF 18 ARE NOT AUTHORIZED TO USE THE RENUE FINANCIAL WEBSITE AND SHOULD NOT SUBMIT ANY PERSONAL INFORMATION TO US. WE DO NOT KNOWINGLY MARKET TO OR SOLICIT INFORMATION FROM CHILDREN UNDER THE AGE OF 18.

SUPPLEMENTAL PRIVACY NOTICE FOR USA NEVADA STATE RESIDENTS

UNDER NEVADA LAW, CERTAIN NEVADA CONSUMERS MAY OPT OUT OF THE SALE OF “PERSONALLY IDENTIFIABLE INFORMATION” FOR MONETARY CONSIDERATION TO A PERSON FOR THAT PERSON TO LICENSE OR SELL SUCH INFORMATION TO ADDITIONAL PERSONS. “PERSONALLY IDENTIFIABLE INFORMATION” INCLUDES FIRST AND LAST NAME, ADDRESS, EMAIL ADDRESS, PHONE NUMBER, SOCIAL SECURITY NUMBER, OR AN IDENTIFIER THAT ALLOWS A SPECIFIC PERSON TO BE CONTACTED EITHER PHYSICALLY OR ONLINE.

WE DO NOT ENGAGE IN SUCH ACTIVITY; HOWEVER, IF YOU ARE A NEVADA RESIDENT WHO HAS PURCHASED OR LEASED RENUE FINANCIAL GOODS OR SERVICES, YOU MAY SUBMIT A REQUEST TO OPT OUT OF ANY POTENTIAL FUTURE SALES UNDER NEVADA LAW BY SUPPORT@NATIONALCREDITSTORE.COM.

PLEASE NOTE RENUE FINANCIAL WILL TAKE REASONABLE STEPS TO VERIFY YOUR IDENTITY AND THE AUTHENTICITY OF THE REQUEST. ONCE VERIFIED, WE WILL MAINTAIN YOUR REQUEST IN THE EVENT OUR PRACTICES CHANGE.

SUPPLEMENTAL PRIVACY NOTICE FOR USA CALIFORNIA STATE RESIDENTS

LAST REVISED: APRIL 1ST, 2020

THIS SUPPLEMENTAL PRIVACY NOTICE SUPPLEMENTS THE INFORMATION IN OUR PRIVACY POLICY ABOVE AND APPLIES SOLELY TO USA CALIFORNIA STATE RESIDENTS. WE ADOPT THIS SUPPLEMENTAL NOTICE TO COMPLY WITH THE USA CALIFORNIA CONSUMER PRIVACY ACT OF 2018 (CCPA).

SUMMARY OF INFORMATION RENUE FINANCIAL COLLECTS

USA CALIFORNIA STATE LAW REQUIRES US TO DISCLOSE INFORMATION REGARDING THE CATEGORIES OF PERSONAL INFORMATION THAT WE HAVE COLLECTED ABOUT USA CALIFORNIA STATE RESIDENTS & CONSUMERS, THE CATEGORIES OF SOURCES FROM WHICH THE INFORMATION WAS COLLECTED, THE BUSINESS OR COMMERCIAL PURPOSES (AS THOSE TERMS ARE DEFINED BY APPLICABLE LAW) FOR WHICH THE INFORMATION WAS COLLECTED, AND THE CATEGORIES OF PARTIES WITH WHOM WE SHARE PERSONAL INFORMATION.

RENUE FINANCIAL OR RENUE FINANCIAL SERVICE PROVIDERS MAY COLLECT THE CATEGORIES OF INFORMATION STATED BELOW FOR THE FOLLOWING BUSINESS OR COMMERCIAL PURPOSES (AS THOSE TERMS ARE DEFINED IN APPLICABLE LAW):

OPERATIONAL PURPOSES;

AUDITING CONSUMER INTERACTIONS ON THE RENUE FINANCIAL SITE (E.G., MEASURING AD IMPRESSIONS) OR AUDITING LEGAL AND REGULATORY

COMPLIANCE;

DETECTING, PROTECTING AGAINST, AND PROSECUTING SECURITY INCIDENTS AND FRAUDULENT OR ILLEGAL ACTIVITY;

BUG DETECTION AND ERROR REPORTING;

CUSTOMIZING CONTENT THAT RENUE FINANCIAL OR RENUE FINANCIAL’S SERVICE PROVIDERS DISPLAY ON THE SERVICES (E.G., CONTEXTUAL AT RENUE FINANCIAL)

PROVIDING THE SERVICES (E.G., ACCOUNT SERVICING AND MAINTENANCE, ORDER PROCESSING AND FULFILLMENT, CUSTOMER SERVICE, ADVERTISING AND MARKETING, ANALYTICS, COMMISSIONS CALCULATION AND PAYMENT, AND COMMUNICATION ABOUT THE SERVICES)

IMPROVING OUR EXISTING SERVICES AND DEVELOPING NEW SERVICES (E.G., BY CONDUCTING RESEARCH TO DEVELOP NEW PRODUCTS OR FEATURES OR MAINTAINING THE QUALITY AND SAFETY OF PRODUCTS)

OTHER USES THAT ADVANCE OUR COMMERCIAL OR ECONOMIC INTERESTS, SUCH AS THIRD-PARTY ADVERTISING AND COMMUNICATING WITH YOU ABOUT RELEVANT OFFERS FROM THIRD-PARTY PARTNERS

OTHER USES ABOUT WHICH RENUE FINANCIAL NOTIFIES YOU.

EXAMPLES OF THESE TYPES OF USES ARE IDENTIFIED BELOW. RENUE FINANCIAL MAY ALSO USE THE BELOW CATEGORIES OF PERSONAL INFORMATION FOR COMPLIANCE WITH APPLICABLE LAWS AND REGULATIONS, AND RENUE FINANCIAL MAY COMBINE THE INFORMATION RENUE

FINANCIAL COLLECTS (“AGGREGATE”) OR REMOVE PIECES OF INFORMATION (“DE-IDENTIFY”) TO LIMIT OR PREVENT IDENTIFICATION OF ANY PARTICULAR USER OR DEVICE.

CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS

IDENTIFIERS (SUCH AS REAL NAME, POSTAL ADDRESS, EMAIL ADDRESS, UNIQUE PERSONAL OR ONLINE IDENTIFIER, DISTRIBUTORSHIP ID, ACCOUNT NAME, TELEPHONE NUMBER, SOCIAL SECURITY OR TAX ID NUMBER, INTERNET PROTOCOL (IP) ADDRESS, AND DRIVER’S LICENSE OR PASSPORT NUMBER)

CATEGORIES OF SOURCES:

YOU (E.G., PROFILES YOU CREATE IN OUR APPLICATIONS AND ORDERS YOU PLACE FROM THE RENUE FINANCIAL WEBSITE)

INDIRECTLY/AUTOMATICALLY COLLECTED FROM YOU THROUGH USE OF OUR SERVICES

SERVICE PROVIDERS

THIRD PARTIES

EXAMPLES OF USE:

PROVIDING YOU WITH THE PRODUCTS, SERVICES AND SUPPORT YOU REQUEST;

PROCESSING YOUR TRANSACTIONS AND SHIPPING YOUR ORDERS;

COMMUNICATING WITH YOU ABOUT YOUR ACCOUNT OR TRANSACTIONS, CHANGES TO RENUE FINANCIAL POLICIES AND OTHER ADMINISTRATIVE MATTERS, OR YOUR QUESTIONS AND COMMENTS;

TO BETTER UNDERSTAND YOUR INTERESTS IN ORDER TO PROVIDE YOU WITH PROMOTIONAL INFORMATION, RELEVANT CONTENT, SURVEYS, QUESTIONNAIRES, AND OTHER MATERIALS;

IMPROVING RENUE FINANCIAL PRODUCTS, SERVICES AND OPERATIONS;

ENSURING COMPLIANCE WITH RENUE FINANCIAL COMPANY POLICIES AND RULES AND THE LAW, OR AS WE BELIEVE IS NECESSARY TO PROTECT, ENFORCE OR DEFEND THE LEGAL RIGHTS, PRIVACY, SAFETY, OR PROPERTY OF OURSELVES AND OTHERS;

FOR RENUE FINANCIAL’S COMPLIANCE PURPOSES;

CATEGORIES OF THIRD PARTIES WITH WHICH RENUE FINANCIAL MAY SHARE THAT INFORMATION

SERVICE PROVIDERS

THIRD PARTIES

CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS

IF YOU USE OR RENUE FINANCIAL ACCEPTS YOUR BANK ACCOUNT NUMBER, CREDIT CARD NUMBER, DEBIT CARD NUMBER, OR ANY OTHER FINANCIAL INFORMATION (I.E., PERSONAL INFORMATION CATEGORIES DESCRIBED IN THE USA, CALIFORNIA CUSTOMER RECORD RENUE FINANCIAL STATUTE (CAL. CIV. CODE § 1798.80(E))

CATEGORIES OF SOURCES:

YOU (E.G., FORMS YOU COMPLETE ON RENUE FINANCIAL SITES OR PROFILES YOU CREATE IN RENUE FINANCIAL APPLICATIONS)

SERVICE PROVIDERS

THIRD PARTIES

MERCHANT

EXAMPLES OF USES:

PROVIDING YOU WITH THE PRODUCTS, SERVICES AND SUPPORT YOU REQUEST;

PROCESSING YOUR TRANSACTIONS AND SHIPPING YOUR ORDERS;

COMMUNICATING WITH YOU ABOUT YOUR ACCOUNT OR TRANSACTIONS, CHANGES TO RENUE FINANCIAL POLICIES AND OTHER ADMINISTRATIVE MATTERS, OR YOUR QUESTIONS AND COMMENTS;

ENSURING COMPLIANCE WITH OUR COMPANY POLICIES AND RULES AND THE LAW, OR AS RENUE FINANCIAL BELIEVES IS NECESSARY TO PROTECT, ENFORCE OR DEFEND THE LEGAL RIGHTS, PRIVACY, SAFETY, OR PROPERTY OF OURSELVES AND OTHERS;

FOR RENUE FINANCIAL’S COMPLIANCE PURPOSES;

CATEGORIES OF THIRD PARTIES WITH WHICH RENUE FINANCIAL MAY SHARE THAT INFORMATION

SERVICE PROVIDERS

THIRD PARTIES

MERCHANTS (FOR ORDER FULFILLMENT)

CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS

CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER CALIFORNIA OR FEDERAL LAW (SUCH RACE, GENDER, AND NATIONAL ORIGIN)

CATEGORIES OF SOURCES:

YOU (E.G., FORMS YOU COMPLETE ON OUR SITES OR PROFILES YOU CREATE IN OUR APPLICATIONS)

SERVICE PROVIDERS

THIRD PARTIES

AFFILIATES AND PARTNERS

EXAMPLES OF USES:

PROVIDING YOU WITH THE PRODUCTS, SERVICES AND SUPPORT YOU REQUEST;

TO BETTER UNDERSTAND YOUR INTERESTS IN ORDER TO PROVIDE YOU WITH PROMOTIONAL INFORMATION, RELEVANT CONTENT, SURVEYS, QUESTIONNAIRES, AND OTHER MATERIALS;

ENSURING COMPLIANCE WITH RENUE FINANCIAL COMPANY POLICIES AND RULES AND THE LAW, OR AS RENUE FINANCIAL BELIEVES IS NECESSARY TO PROTECT, ENFORCE OR DEFEND THE LEGAL RIGHTS, PRIVACY, SAFETY, OR PROPERTY OF OURSELVES AND OTHERS;

FOR RENUE FINANCIAL’S COMPLIANCE PURPOSES;

TO SUPPORT THE OPERATION OF THE DISTRIBUTORSHIPS AND AFFILIATE ACCOUNTS, AND TO MAINTAIN PROPER FUNCTIONING OF THE RENUE FINANCIAL FINANCIAL REWARD PLAN.

CATEGORIES OF THIRD PARTIES WITH WHICH RENUE FINANCIAL MAY SHARE THAT INFORMATION

SERVICE PROVIDERS

THIRD PARTIES

CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS

COMMERCIAL INFORMATION (SUCH AS TRANSACTION DATA)

CATEGORIES OF SOURCES:

YOU

INDIRECTLY/AUTOMATICALLY COLLECTED FROM YOU THROUGH USE OF RENUE FINANCIAL SERVICES

SERVICE PROVIDERS

AFFILIATES AND PARTNERS

THIRD PARTIES

EXAMPLES OF USES:

PROVIDING YOU WITH THE PRODUCTS, SERVICES AND SUPPORT YOU REQUEST;

PROCESSING YOUR TRANSACTIONS AND SHIPPING YOUR ORDERS;

COMMUNICATING WITH YOU ABOUT YOUR ACCOUNT OR TRANSACTIONS, CHANGES TO RENUE FINANCIAL POLICIES AND OTHER ADMINISTRATIVE MATTERS, OR YOUR QUESTIONS AND COMMENTS;

TO BETTER UNDERSTAND YOUR INTERESTS IN ORDER TO PROVIDE YOU WITH PROMOTIONAL INFORMATION, RELEVANT CONTENT, SURVEYS, QUESTIONNAIRES, AND OTHER MATERIALS;

IMPROVING RENUE FINANCIAL PRODUCTS, SERVICES AND OPERATIONS;

ENSURING COMPLIANCE WITH RENUE FINANCIAL COMPANY POLICIES AND THE LAW, OR AS RENUE FINANCIAL BELIEVES IS NECESSARY TO PROTECT, ENFORCE OR DEFEND THE LEGAL RIGHTS, PRIVACY, SAFETY, OR PROPERTY OF RENUE FINANCIAL, RENUE FINANCIAL MEMBERS, RENUE FINANCIAL CUSTOMERS AND OTHERS;

FOR RENUE FINANCIAL’S COMPLIANCE PURPOSES;

INFERENCE DATA ABOUT YOU

CATEGORIES OF SOURCES:

YOU (E.G., FORMS YOU COMPLETE ON OUR SITES OR PROFILES YOU CREATE IN OUR APPLICATIONS)

INDIRECTLY/AUTOMATICALLY COLLECTED FROM YOU THROUGH USE OF RENUE FINANCIAL SERVICES

SERVICE PROVIDERS

THIRD PARTIES

EXAMPLES OF USES:

PROVIDING YOU WITH THE PRODUCTS, SERVICES AND SUPPORT YOU REQUEST;

TO BETTER UNDERSTAND YOUR INTERESTS IN ORDER TO PROVIDE YOU WITH PROMOTIONAL INFORMATION, RELEVANT CONTENT, SURVEYS, QUESTIONNAIRES, AND OTHER MATERIALS;

IMPROVING OUR PRODUCTS, SERVICES AND OPERATIONS;

TO VALIDATE SALES MADE BY RENUE FINANCIAL DISTRIBUTORS AND AFFILIATES;

FOR RENUE FINANCIAL’S COMPLIANCE PURPOSES;

CATEGORIES OF THIRD PARTIES WITH WHICH RENUE FINANCIAL MAY SHARE THAT INFORMATION

SERVICE PROVIDERS

THIRD PARTIES

CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS

OTHER INFORMATION THAT IDENTIFIES OR CAN BE REASONABLY ASSOCIATED WITH YOU (SUCH AS USER-GENERATED CONTENT)

CATEGORIES OF SOURCES:

YOU (E.G., FORMS YOU COMPLETE ON OUR SITES OR PROFILES YOU CREATE IN OUR APPLICATIONS)

INDIRECTLY/AUTOMATICALLY COLLECTED FROM YOU THROUGH USE OF OUR SERVICES

SERVICE PROVIDERS

THIRD PARTIES

DISTRIBUTORS AND AFFILIATES

EXAMPLES OF USES:

TO BETTER UNDERSTAND YOUR INTERESTS IN ORDER TO PROVIDE YOU WITH PROMOTIONAL INFORMATION, RELEVANT CONTENT, SURVEYS, QUESTIONNAIRES, AND OTHER MATERIALS

CATEGORIES OF THIRD PARTIES WITH WHICH RENUE FINANCIAL MAY SHARE THAT INFORMATION

SERVICE PROVIDERS

THIRD PARTIES

DISTRIBUTORS AND AFFILIATES

PERSONAL INFORMATION DOES NOT INCLUDE:

PUBLICLY AVAILABLE INFORMATION FROM GOVERNMENT RECORD RENUE FINANCIAL;

DE-IDENTIFIED OR AGGREGATED CONSUMER INFORMATION;

INFORMATION EXCLUDED FROM THE CCPA’S SCOPE, LIKE: HEALTH OR MEDICAL INFORMATION COVERED BY THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA) AND THE CALIFORNIA CONFIDENTIALITY OF MEDICAL INFORMATION ACT (CMIA) OR CLINICAL TRIAL DATA;

PERSONAL INFORMATION COVERED BY CERTAIN SECTOR-SPECIFIC PRIVACY LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT (FRCA), THE GRAMM-LEACH-BLILEY ACT (GLBA) OR CALIFORNIA FINANCIAL INFORMATION PRIVACY ACT (FIPA), AND THE DRIVER’S PRIVACY PROTECTION ACT OF 1994

RIGHTS

IF YOU ARE A USA CALIFORNIA STATE RESIDENT, YOU MAY HAVE CERTAIN RIGHTS. CALIFORNIA LAW MAY PERMIT YOU TO REQUEST THAT RENUE FINANCIAL:

PROVIDES YOU THE CATEGORIES OF PERSONAL INFORMATION RENUE FINANCIAL COLLECTS OR DISCLOSES ABOUT YOU; THE CATEGORIES OF SOURCES OF SUCH INFORMATION; THE BUSINESS OR COMMERCIAL PURPOSE FOR COLLECTING OR SELLING YOUR PERSONAL INFORMATION; AND THE CATEGORIES OF THIRD PARTIES WITH WHOM RENUE FINANCIAL SHARES PERSONAL INFORMATION;

PROVIDE ACCESS TO AND/OR A COPY OF CERTAIN INFORMATION RENUE FINANCIAL HOLDS ABOUT YOU;

DELETE CERTAIN INFORMATION RENUE FINANCIAL HAS ABOUT YOU;

YOU MAY HAVE THE RIGHT TO RECEIVE INFORMATION ABOUT THE FINANCIAL INCENTIVES THAT RENUE FINANCIAL OFFERS TO YOU. YOU ALSO HAVE THE RIGHT TO NOT BE DISCRIMINATED AGAINST (AS PROVIDED FOR IN APPLICABLE LAW) FOR EXERCISING CERTAIN RIGHTS. CERTAIN INFORMATION MAY BE EXEMPT FROM SUCH REQUESTS UNDER APPLICABLE LAW. RENUE FINANCIAL NEEDS CERTAIN TYPES OF INFORMATION SO THAT RENUE FINANCIAL CAN PROVIDE THE SERVICES TO YOU. IF YOU ASK RENUE FINANCIAL TO DELETE SUCH INFO, FORFEIT ACCESS OR BE UNABLE TO USE THE SITE.

SOME OF RENUE FINANCIAL SITES ALLOW YOU TO REVIEW AND UPDATE YOUR PERSONAL PROFILE. IF YOU ARE A USA CALIFORNIA RESIDENT AND YOU WANT TO EXERCISE ANY OF THE RIGHTS LISTED IN THIS PROVISION OR FOR ASSISTANCE WITH ANY OF THESE RIGHTS, PLEASE MAKE YOUR REQUEST AT SUPPORT@NATIONALCREDITSTORE.COM.

IF YOU ARE ASSERTING YOUR RIGHT TO ACCESS A COPY OF CERTAIN INFORMATION OR YOUR RIGHT TO DELETE CERTAIN INFORMATION, YOU WILL BE ASKED TO VERIFY YOUR IDENTITY BEFORE RENUE FINANCIAL FULFILLS YOUR REQUEST. THIS VERIFICATION PROCESS MAY REQUIRE YOU TO PROVIDE YOUR INFORMATION, YOUR INVOICE, OR OTHER PIECES OF PERSONAL INFORMATION THAT RENUE FINANCIAL ALREADY HOLDS ON YOU OR POSSESSES, OR, IN CERTAIN CIRCUMSTANCES, A SIGNED DECLARATION UNDER PENALTY OF PERJURY THAT YOU ARE THE CONSUMER WHOSE PERSONAL INFORMATION IS THE SUBJECT OF THE REQUEST.

WE DO NOT CHARGE A FEE TO PROCESS OR RESPOND TO YOUR VERIFIABLE CONSUMER REQUEST UNLESS IT IS EXCESSIVE, REPETITIVE, OR MANIFESTLY UNFOUNDED. IF WE DETERMINE THAT THE REQUEST WARRANTS A FEE, WE WILL TELL YOU WHY WE MADE THAT DECISION AND PROVIDE YOU WITH A COST ESTIMATE BEFORE COMPLETING YOUR REQUEST.

YOU CAN ALSO DESIGNATE AN AUTHORIZED AGENT TO MAKE A REQUEST ON YOUR BEHALF. TO DO SO, YOU MUST PROVIDE RENUE FINANCIAL WITH WRITTEN AUTHORIZATION OR A POWER OF ATTORNEY, SIGNED BY YOU, FOR THE AGENT TO ACT ON YOUR BEHALF. YOU WILL STILL NEED TO VERIFY YOUR IDENTITY DIRECTLY WITH RENUE FINANCIAL.

THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA) SETS FORTH CERTAIN OBLIGATIONS FOR BUSINESSES THAT “SELL” PERSONAL INFORMATION. BASED ON THE DEFINITION OF “SELL” UNDER THE CCPA AND UNDER CURRENT REGULATORY GUIDANCE, RENUE FINANCIAL DOES NOT ENGAGE IN SUCH ACTIVITY.

RESIDENTS OF THE STATE OF CALIFORNIA ALSO HAVE THE RIGHT TO REQUEST FROM COMPANIES CONDUCTING BUSINESS IN CALIFORNIA A LIST OF ALL THIRD PARTIES, IF ANY, TO WHICH THE COMPANY HAS DISCLOSED PERSONAL INFORMATION DURING THE PRECEDING YEAR FOR DIRECT MARKETING PURPOSES (E.G., REQUESTS MADE IN 2020 WILL RECEIVE INFORMATION ABOUT 2019 SHARING ACTIVITIES). RENUE FINANCIAL COMPLIES WITH THIS LAW BY OFFERING CALIFORNIA RESIDENTS THE ABILITY TO TELL US NOT TO SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES FOR THEIR DIRECT MARKETING PURPOSES. TO MAKE SUCH A REQUEST, PLEASE EMAIL US AT SUPPORT@NATIONALCREDITSTORE.COM. YOU MUST INCLUDE THE NAME OF THIS SITE AND “CALIFORNIA RESIDENT” AS THE SUBJECT LINE, AND YOUR FULL NAME, EMAIL ADDRESS, OR URL, AND POSTAL ADDRESS IN YOUR MESSAGE. PLEASE NOTE THAT ANY REQUEST UNDER THIS PARAGRAPH WILL BE LIMITED TO RENUE FINANCIAL'S USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION.

FAIR INFORMATION PRACTICES PRINCIPLES

THE FAIR INFORMATION PRACTICES PRINCIPLES (FIPP) FORM THE BACKBONE OF PRIVACY LAW IN THE UNITED STATES AND THE CONCEPTS THEY INCLUDE HAVE PLAYED A SIGNIFICANT ROLE IN THE DEVELOPMENT OF DATA PROTECT LAWS AROUND THE GLOBE. UNDERSTANDING THE FIPP AND HOW THEY SHOULD BE IMPLEMENTED IS CRITICAL TO COMPLY WITH THE VARIOUS PRIVACY LAWS THAT PROTECT PERSONAL INFORMATION.

IN ORDER TO BE IN LINE WITH FIPP WE WILL TAKE THE FOLLOWING RESPONSIVE ACTION, SHOULD A DATA BREACH OCCUR: WE WILL NOTIFY YOU VIA EMAIL WITHIN 7 DAYS.

CAN-SPAM ACT

THE CAN-SPAM ACT IS A LAW THAT SETS THE RULES FOR COMMERCIAL EMAILS, ESTABLISHES REQUIREMENTS FOR COMMERCIAL MESSAGES, GIVES RECIPIENTS THE RIGHT TO HAVE EMAILS STOPPED FROM BEING SENT TO THEM, AND IMPOSES PENALTIES FOR VIOLATIONS.

TO BE IN ACCORDANCE WITH CAN SPAM, RENUE FINANCIAL AGREES TO THE FOLLOWING: RENUE FINANCIAL WILL NOT USE FALSE OR MISLEADING SUBJECTS OR EMAIL ADDRESSES. RENUE FINANCIAL WILL IDENTIFY THE MESSAGE AS AN ADVERTISEMENT IN SOME REASONABLE WAY, INCLUDE THE PHYSICAL ADDRESS OF OUR BUSINESS OR SITE HEADQUARTERS, MONITOR THIRD-PARTY EMAIL MARKETING SERVICES FOR COMPLIANCE, HONOR OPT-OUT/UNSUBSCRIBE REQUESTS QUICKLY, AND ALLOW USERS TO UNSUBSCRIBE BY USING A LINK PROVIDED AT THE BOTTOM OF EACH EMAIL.

IF AT ANY TIME YOU WOULD LIKE TO UNSUBSCRIBE FROM RECEIVING FUTURE EMAILS, YOU CAN EMAIL RENUE FINANCIAL AT SUPPORT@NATIONALCREDITSTORE.COM AND WE WILL PROMPTLY REMOVE YOU FROM ALL CORRESPONDENCE.

QUESTIONS, COMMENTS, AND COMPLAINTS ABOUT RENUE FINANCIAL’S DATA PRACTICES CAN BE SUBMITTED TO RENUE FINANCIAL'S DATA PROTECTION OFFICE THROUGH THE CONTACT INFORMATION PROVIDED ABOVE.

RENUE FINANCIAL PROCESS PERSONAL INFORMATION INSIDE AND OUTSIDE OF THE UNITED STATES. RENUE FINANCIAL TRANSFERS INFORMATION OF USERS' OUTSIDE THE UNITED STATES ON THE BASIS OF MECHANISMS APPROVED UNDER APPLICABLE LAWS.

CHANGES TO RENUE FINANCIAL PRIVACY NOTICE

RENUE FINANCIAL RESERVES THE RIGHT TO AMEND THIS SUPPLEMENTAL NOTICE AT RENUE FINANCIAL’S DISCRETION AND AT ANY TIME. WHEN RENUE FINANCIAL MAKES CHANGES, RENUE FINANCIAL WILL POST THE UPDATED SUPPLEMENTAL NOTICE ON THE WEBSITE AND UPDATE THE EFFECTIVE DATE. YOUR CONTINUED USE OF THE RENUE FINANCIAL WEBSITE FOLLOWING THE POSTING OF CHANGES TO THIS SUPPLEMENTAL NOTICE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES. IF WE DECIDE TO CHANGE OUR PRIVACY POLICY, WE WILL POST THOSE CHANGES TO THIS PRIVACY POLICY, THE HOME PAGE, AND OTHER PLACES WE DEEM APPROPRIATE SO THAT YOU ARE AWARE OF WHAT INFORMATION WE COLLECT, HOW RENUE FINANCIAL USES IT, AND UNDER WHAT CIRCUMSTANCES, IF ANY, RENUE FINANCIAL DISCLOSES IT. RENUE FINANCIAL RESERVES THE RIGHT TO MODIFY THIS PRIVACY POLICY AT ANY TIME, SO PLEASE REVIEW IT FREQUENTLY. IF RENUE FINANCIAL MAKES MATERIAL CHANGES TO THIS POLICY, RENUE FINANCIAL WILL NOTIFY YOU HERE, BY EMAIL, OR BY MEANS OF A NOTICE ON THE RENUE FINANCIAL HOME PAGE PRIOR TO THE CHANGE BECOMING EFFECTIVE.