Privacy Policy

Introduction

This Privacy Policy applies to Fair Pay Leasing and its website located at fairpayleasing.com.

Fair Pay Leasing ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our lease-to-own services, visit our website, or interact with us in any way.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

Information We Collect

Personal Information

We may collect personally identifiable information that you voluntarily provide to us when you apply for a lease, make a payment, or contact us. This information may include:

• Full name
• Date of birth
• Social Security Number (last 4 digits or full, as required)
• Home address
• Email address
• Phone number
• Employment information
• Income information
• Bank account or payment card information
• Government-issued identification

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and usage, including:

• IP address
• Browser type and version
• Operating system
• Pages visited and time spent
• Referring website
• Device identifiers

How We Use Your Information

We use the information we collect to:

• Process and manage your lease application
• Verify your identity and eligibility
• Process payments and manage your account
• Communicate with you about your lease, payments, and account
• Send important notices and updates
• Respond to your inquiries and provide customer support
• Comply with legal and regulatory requirements
• Prevent fraud and protect our business
• Improve our services and customer experience

Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: We may share information with third-party vendors who perform services on our behalf, such as payment processing, identity verification, and customer support.
• Retail Partners: We may share necessary information with our retail partners to facilitate your lease transaction.
• Legal Requirements: We may disclose information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure servers and firewalls
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection

While we strive to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete information.
• Deletion: You may request that we delete your personal information, subject to certain exceptions.
• Opt-Out: You may opt out of receiving promotional communications from us.

To exercise any of these rights, please contact us using the information provided below.

Telephone Consumer Protection Act (TCPA) Consent

By providing your phone number to Fair Pay Leasing, you expressly consent to receive telephone calls and text messages from us, including but not limited to:

• Payment reminders and notifications
• Account updates and alerts
• Lease-related communications
• Customer service follow-ups
• Marketing and promotional messages (with separate consent)

You agree that these calls and messages may be made using an automatic telephone dialing system (auto-dialer), prerecorded or artificial voice messages, or text messages (SMS/MMS), even if your phone number is registered on any state or federal Do Not Call list.

Message Frequency and Rates

Message frequency may vary depending on your account activity and preferences. Standard message and data rates may apply based on your mobile carrier plan. You are responsible for any charges from your wireless provider.

Opting Out

You may opt out of receiving text messages at any time by:

• Replying STOP to any text message you receive from us
• Calling us at (833) 791-1265
• Emailing us at [email protected]

You may also reply HELP to any message for additional information or customer support.

After opting out, you may receive one final confirmation message. Please note that opting out of text messages will not affect other communications related to your lease, such as required legal notices, which may still be sent via other methods.

Consent Not Required for Purchase

Your consent to receive automated calls or text messages is not a condition of purchasing or leasing any goods or services from Fair Pay Leasing. You may choose to conduct business with us through other communication channels.

How You Provide Consent

Users provide consent to receive SMS messages by submitting their phone number through our website application forms, checkout forms, or lead forms that include an explicit SMS consent disclosure. Consent may also be provided when users contact us directly by phone or text to request information about our services.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. The retention period may vary depending on the context of the processing and our legal obligations.

Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your experience. Cookies are small files stored on your device that help us understand how you use our website. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our website.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. We encourage you to review this policy periodically.

Contact Us

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