Privacy Policy

Last Updated: April 1, 2026

RUIFANGINVESTMENT LLC ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

We collect information that you provide directly to us when you:

Request information about our services
Apply for business financing
Contact us through our website
Subscribe to our communications
Participate in surveys or promotions

Types of Information

The information we may collect includes:

Contact Information: Name, email address, phone number, business address
Business Information: Company name, business structure, industry, revenue information
Financial Information: Bank account details, tax identification numbers, credit information
Technical Information: IP address, browser type, operating system, referring URLs

How We Use Your Information

We use your information to:

Process and evaluate your funding applications
Communicate with you about our services
Provide customer support
Send administrative information and updates
Improve our website and services
Comply with legal obligations
Prevent fraud and enhance security

SMS & Text Message Communications

If you opt in to receive text messages from RUIFANGINVESTMENT LLC, we will send you marketing and promotional SMS/MMS messages using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.

SMS Terms

Consent Required: You must expressly opt in to receive text messages. Consent is NOT a condition of purchase.
Message Frequency: Message frequency varies. You may receive up to 4 messages per month.
Costs: Message and data rates may apply based on your mobile carrier's plan.
Opt-Out: Reply STOP to any message to opt out at any time. You will receive one final confirmation message.
Help: Reply HELP to any message for assistance or contact us at contact@ruifanginvestment.com

Mobile Information Sharing

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We may share your mobile number with our service providers solely for the purpose of delivering text messages you have consented to receive. These providers are contractually obligated to protect your information and use it only for the specified purpose.

How We Share Your Information

We may share your information with:

Service Providers: Third-party vendors who perform services on our behalf (payment processing, data analysis, email delivery)
Business Partners: Trusted partners who assist in evaluating and processing funding applications
Legal Compliance: Law enforcement, regulators, or other authorities when required by law
Business Transfers: In connection with mergers, acquisitions, or asset sales

We do not sell your personal information to third parties.

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
Regular security audits and assessments
Access controls and authentication protocols
Employee training on data protection practices

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

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Your Privacy Rights

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

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information
Opt-Out: Opt out of marketing communications at any time
Portability: Request transfer of your data to another service provider

To exercise these rights, please contact us at contact@ruifanginvestment.com

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

Remember your preferences and settings
Understand how you use our website
Improve site functionality and performance
Deliver relevant content and advertisements

You can control cookies through your browser settings. Note that disabling cookies may affect your ability to use certain features of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Children's Privacy

Our services are not directed to 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, we will take steps to delete it promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes your acceptance of the updated policy.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

RUIFANGINVESTMENT LLC
Email: contact@ruifanginvestment.com