Privacy Policy

Last Updated: February 26, 2026

1. Introduction

Welcome to RTOAsk ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our rent-to-own customer verification platform.

2. Information We Collect

2.1 Business Member Information

When you register as a business member, we collect:

• Business name and type
• Contact person's name and role
• Business address, city, state, and ZIP code
• Email address and phone number (for account verification and two-factor authentication)
• Account password (encrypted and securely stored)
• States where you operate

2.2 Customer Information

Business members may submit customer information for verification purposes, including:

• Customer name, address, and contact information
• Date of birth and Social Security Number (last 4 digits)
• Driver's license information
• Employment and income information
• Payment history and account status
• Notes and comments regarding customer interactions

2.3 Automatically Collected Information

We automatically collect certain information when you access our platform:

• IP address and device information
• Browser type and version
• Login timestamps and activity logs
• Search queries and database usage patterns

3. How We Use Your Information

We use the collected information for the following purposes:

• Account Management: To create and manage your business account, authenticate users, and provide customer support
• Service Delivery: To provide access to our customer verification database and enable cross-business customer lookups
• Security: To implement two-factor authentication, prevent fraud, and protect against unauthorized access
• Communication: To send account notifications, service updates, and respond to inquiries
• Improvement: To analyze usage patterns and improve our platform's functionality and user experience
• Compliance: To comply with legal obligations and enforce our Terms of Use

4. Information Sharing and Disclosure

4.1 Member-to-Member Sharing

Customer information submitted by one business member may be viewable by other verified business members within their approved states for legitimate business purposes (customer verification and risk assessment).

4.2 We Do Not Sell Your Information

We do not sell, rent, or trade your personal information or customer data to third parties for marketing purposes.

4.3 Service Providers

We may share information with trusted service providers who assist us in operating our platform, such as:

• Cloud hosting providers
• Email delivery services
• SMS services for two-factor authentication
• Payment processors (if applicable)

4.4 Legal Requirements

We may disclose your information if required by law, court order, or governmental request, or to protect our rights, property, or safety.

5. Data Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for data transmission
• Encrypted password storage using bcrypt hashing
• Two-factor authentication (2FA) for account access
• Regular security audits and updates
• Restricted access controls based on user roles and approved states
• Secure database infrastructure with regular backups

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide our services. Customer records may be retained for:

• Active accounts: Indefinitely, or until requested for deletion by the submitting member
• Inactive accounts: Up to 7 years for legal and business purposes
• Deleted accounts: Backup copies may persist for up to 90 days

7. Your Rights and Choices

You have the right to:

• Access: Request a copy of the information we have about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of customer records you submitted (subject to legal retention requirements)
• Account Closure: Close your business account at any time
• Opt-Out: Unsubscribe from non-essential communications

To exercise these rights, contact us at admin@rtoask.com

8. Customer Data Submitted by Members

If you are a customer whose information has been submitted to RTOAsk by a business member:

• Your information is used solely for business verification and risk assessment purposes
• You may contact us to request information about what data we have about you
• Corrections or deletions must be requested from the business member who submitted your information
• We rely on business members to obtain appropriate consent before submitting customer information

9. Children's Privacy

RTOAsk is designed for business use only. We do not knowingly collect information from individuals under 18 years of age. If we become aware that we have collected information from a minor, we will take steps to delete it.

10. State-Specific Privacy Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including:

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of the sale of personal information (note: we do not sell personal information)
• Right to deletion of personal information
• Right to non-discrimination for exercising CCPA rights

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Posting the updated policy on our platform
• Updating the "Last Updated" date
• Sending email notifications for material changes

Your continued use of RTOAsk after changes are posted constitutes acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

RTOAsk
Email: admin@rtoask.com
Phone: [Your Phone Number]
Address: [Your Business Address]

By using RTOAsk, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.