Privacy Policy

1. What this policy covers

This policy describes how Velo, operated by RG Gamma, collects, uses, and shares information when you apply for vehicle financing or use the Velo platform. The dealership and lender handling your application have their own privacy notices that also apply, including the federal privacy notice required by the Gramm-Leach-Bliley Act.

2. Information we collect

• Identity and contact information: name, address, date of birth, phone, email.
• Government identifiers such as Social Security number, which we encrypt at rest.
• Financial information: income, employment, housing costs, and loan terms.
• Credit information obtained from consumer reporting agencies with your authorization.
• Vehicle and transaction details for the purchase you are financing.
• Documents you upload, such as proof of income or identity.
• Technical information such as device and log data when you use the platform.

3. How we use information

• To process, decision, document, and fund your credit application.
• To service your loan after funding, including payments and account communications.
• To verify your identity and prevent fraud.
• To meet legal and regulatory obligations that apply to lending.
• To operate, secure, and improve the platform.

4. How we share information

We share information only as needed to complete and service your transaction:

• With the dealership and lender handling your application.
• With consumer reporting agencies, as authorized by you and permitted by law.
• With service providers who support the platform, such as loan servicing, electronic signature, document storage, and messaging providers, under contractual confidentiality obligations.
• As required by law, regulation, or legal process.

We do not sell your personal information.

5. How we protect information

We use administrative, technical, and physical safeguards appropriate for sensitive financial data, including encryption of data in transit and encryption of Social Security numbers at rest, access controls, and audit logging. No system is perfectly secure, but protecting your information is a core design requirement of the platform.

6. Retention

We retain application and loan records for as long as needed to service your account and to meet legal, regulatory, and audit requirements that apply to consumer lending, after which records are deleted or de-identified.

7. Your choices

• Text messages: reply STOP to opt out at any time; see our Terms of Service for program details.
• You may request access to or correction of your information through your dealership or lender.
• Depending on your state, you may have additional privacy rights; requests can be made through the contacts below.

8. Contact

Questions about this policy? Contact your dealership, or reach us through veloautofinance.com.