Privacy Policy

Privacy Policy

Effective Date: June 22, 2025

Leaselot, Inc. dba Recharged (“Recharged,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy details how we collect, use, disclose, and protect your personal information when you visit or use our websites, mobile applications, financing portals, digital retailing tools, or related services (“Services”). Your use of our Services indicates acceptance of this Privacy Policy.

1. Information We Collect

Personal and Transactional Information You Provide:

• Name, email, phone number, mailing address

• Government IDs (Social Security number, driver’s license)

• Vehicle details (VIN, make, model, mileage, photos, trade-in information)

• Financial details (income, employment history, bank account details, credit card information, payment history)

• Insurance information (policy details, coverage)

• Transaction records (purchase agreements, financing and lease documents)

• Communication records (customer support interactions, chats, emails, text messages)

Information Collected Automatically:

• IP address, device identifiers, operating system, browser type

• Browsing and usage patterns, page views, interactions

• General geographic location based on IP or mobile settings

• Cookies and tracking technologies (see below)

Information From Third Parties:

• Credit bureaus and financial institutions (credit reports, credit scores)

• Vehicle history and verification providers (such as CARFAX)

• Employment and income verification services

• Marketing and analytics partners

• Public databases or records

2. How We Use Your Information

We use collected information to:

• Facilitate vehicle purchases, financing/leasing, and ancillary product sales

• Perform soft (no credit score impact) and hard credit inquiries (upon application submission) for financing decisions

• Provide legally-required disclosures, such as Adverse Action Notices and Credit Score Disclosures

• Verify identities and prevent fraud

• Communicate transaction details, offers, and important service updates

• Deliver marketing and promotional messages (with consent, where required)

• Analyze usage trends and improve our Services

• Ensure legal compliance with federal/state laws (FCRA, GLBA, ECOA, TCPA, etc.)

• Secure and maintain our Services

3. How We Share Your Information

We never sell your information. We share your data only as necessary, including with:

• Lenders and creditors for loan origination and servicing

• Dealership affiliates and warranty/service providers

• Credit reporting agencies

• Fraud prevention and identity verification providers

• Payment processors and financial institutions

• Marketing, analytics, and technical support providers

• Regulators, courts, or law enforcement, when required by law

• Parties involved in business transactions (merger, sale, acquisition)

• Others with your explicit consent

We do not share SMS opt-in data with third parties for marketing.

4. Credit Application and Consumer Report Authorization

By submitting a financing application, you explicitly authorize Recharged, our affiliates, and lending partners to:

• Obtain your consumer reports (both soft and hard inquiries) from consumer reporting agencies (Equifax, Experian, TransUnion, etc.) immediately upon application submission and for up to 12 months thereafter.

• Use reports for credit decisions, identity verification, loan servicing, collection, and internal analysis.

• Deliver Credit Score Disclosures and Adverse Action Notices electronically, if consent is provided.

You may revoke this consent anytime via email at hello@recharged.com.

5. Communications Consent (TCPA)

You expressly consent for Recharged, our affiliates, lenders, and service providers to contact you via phone, automated dialing systems, prerecorded messages, text, and email at provided contact information. Message and data rates may apply. To opt-out, reply “STOP” to texts or contact us at hello@recharged.com.

6. SMS Messaging Terms

When you opt-in to SMS messages:

• You’ll receive recurring informational or promotional texts.

• Frequency varies; message/data rates apply.

• Opt-out anytime by texting “STOP”; get help by texting “HELP” or emailing hello@recharged.com.

• Your carrier isn’t liable for undelivered or delayed messages.

Before transferring your number, text “STOP” or notify us.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to improve functionality, analyze usage, and deliver targeted advertising. You can manage cookie preferences via your browser or global privacy signals.

8. Data Retention and Security

We retain your data only as required by law or necessary for legitimate business purposes. Typically, financial transaction records are retained for at least 7 years. We use administrative, technical, and physical safeguards to protect your data. No system guarantees absolute security.

9. Your Privacy Rights

Depending on your location, you may have rights to:

• Access personal information we maintain

• Correct inaccuracies in your data

• Request deletion of certain information

• Opt-out of targeted ads, sharing, or certain marketing activities

• Limit sharing of data with affiliates or non-affiliates for marketing

Exercise these rights by contacting hello@recharged.com. We’ll verify your identity before completing your request.

Additional State Notices

• California, Colorado, Connecticut, Oregon, Utah, Virginia residents: have expanded privacy rights under state law. Contact us for specifics.

• Nevada residents: opt-out of marketing calls by emailing privacy@recharged.com.

• Vermont and North Dakota residents: we don’t share non-public personal information with non-affiliates without your consent.

10. Children’s Privacy

We don’t knowingly collect data from children under 13. Contact us immediately if you believe we have collected such information.

11. Changes to Privacy Policy

We may update this Policy periodically. Updates will include a revised effective date. Continued use of Services signifies acceptance of changes.

12. Gramm-Leach-Bliley Act (GLBA) Notice

Federal law requires disclosure of our sharing practices of financial information:

• We collect personal and financial data necessary to provide our services (such as income, credit scores, account history).

• We share information only for business purposes, compliance, marketing, and servicing transactions. You can limit sharing information about your creditworthiness with affiliates or non-affiliates’ marketing use.

• To limit sharing, contact us at privacy@recharged.com or call (804) 390-5910.

Sharing practices:

• For transaction and business operations: Sharing occurs; cannot limit.

• Marketing purposes: Sharing occurs; cannot limit.

• Affiliates’ use of creditworthiness data: Sharing occurs; you can limit.

• Non-affiliates’ marketing use: Sharing occurs; you can limit.

Your sharing preferences apply even after the customer relationship ends.

13. Contact Us

Leaselot, Inc. dba Recharged

8410 W Broad St, Richmond, VA 23294

Email: hello@recharged.com

Phone: (804) 390-5910

Last reviewed and updated: June 22, 2025