Privacy Policy - Red Oak

Website Privacy Policy

Last Updated November 2025

At Red Oak Inventory Finance (“Red Oak,” “Company,” “we,” “our” or “us”), your privacy is important to us. This policy is intended to inform you about the information we collect from your visits to our website, information that may be collected when you interact with blogs, and social media accounts, how we may use that information, and with whom the information may be shared. Within this Privacy Policy, the term “Company Websites” pertains to any websites hosted or operated by the Company, including your interactions with our social media.

You are responsible for ensuring the accuracy of the Personal Information (defined below) you submit to the Company Websites. Inaccurate information may affect the information you receive when using the Company Websites and tools and our ability to contact you as contemplated in this Privacy Policy. For example, your email address should be kept current because that is how we communicate with you.

Your interaction with the Company is subject to this Privacy Policy, unless stated otherwise. By using or interacting with our Company Websites, you acknowledge and accept the terms of this Privacy Policy; if you are using the Company Websites or services on behalf of someone other than yourself, you represent that you are authorized by that individual to act on their behalf and that the individual acknowledges and accepts the terms of this Privacy Policy.

Scope of our Privacy Policy

This Privacy Policy applies to information that identifies, relates to, describes, or is reasonably capable of being associated, linked or linkable with a particular individual or household (“Personal Information”) that we collect online through our Company Websites. It does not apply to information that we collect by other means, such as information you share with us verbally, in writing, or in email messages to our employees.

This Privacy Policy is subject to change. We update this Privacy Policy periodically to comply with applicable laws. Please review it whenever you have questions. If we make changes to this Privacy Policy, we will revise the Last Updated date in the header on this page.

Our online privacy practices

We are committed to transparency about how we collect and use your Personal Information. We ask for your consent when required by applicable law. Otherwise by using our website, you consent to the collection, use, and sharing of your Personal Information subject to and consistent with applicable laws, regulations, and other notices you may have received based on your relationship with us.

At times, we may provide links to non-affiliated third-party sites. If you follow links to sites not affiliated with, or controlled by Red Oak, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our website. Red Oak does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information.

Red Oak takes several measures to protect your privacy:

Uses physical security measures at our sites and office locations.
Uses firewalls and other intrusion detection and prevention technologies to protect information stored on our servers.
Limits the number of Company employees who have potential access to your Personal Information.
Requires all Company employees to abide by our Privacy Policy, undergo regular privacy and security training.
Systems back-ups for disaster recovery purposes.

Despite Red Oaks efforts, no system or process is completely secure. There is always some risk that an unauthorized third-party may find a way around our security systems or that transmissions of your information over the Internet will be intercepted.

Information We Collect About You

Sources of Personal Information:

We collect information about you from the following sources:

Your device or browser;
Directly from you when you provide information through your use of the Company Website, services, and when you communicate with us;
Third parties, such as business partners, marketing agencies, and other vendors that provide advertising services to us, social networks, and other marketing partners

Types of Personal Information we collect from you during our business relationship:

The type of Personal Information we collect from and about you will depend on how you interact with us, and may include:

Identifiers, such as your name, postal address, email address, account name, or other similar contact identifiers.
Demographic information, such as your gender, age, or other protected classifications under applicable law.
Commercial information, such as your interactions with us.
Internet or other network activity information, such as browsing history, network activity, IP addresses, search history, or information regarding your interaction with the Company Websites, emails, or advertisements.
Financial information, including account application information such as credit and income information or verification as well as documents or images submitted via our website to support lending, financing, or account activity, such as bank statements.
Identifiers such as Social Security number, account number(s), driver’s license number (or comparable) or other information that identifies you for ordinary business purposes.

Information we collect from website visits

Information we obtain from your visits to our website can be broadly described as the Personal Information that visitors provide us and technical information that we collect through your use of technology concerning those visits.

Types of technical information we collect online

We collect certain types of technical information provided by the browser of the computer, tablet or mobile device used when visiting our website, such as: Usage Details, IP Addresses, and Browser Information.

When you visit our website, we collect technical information such as the identity of your Internet Protocol (IP) address, your computer or device’s operating system and browser type, geo-location data, and the pages of our website that you visit. Most browsers transmit this type of information to websites automatically. We collect this information to administer and manage our website, to ensure that it functions properly and to review aggregate information.

Like many other websites, our website uses Cookies. Cookies are small text files that are downloaded to the browser of a computer, tablet or smartphone used to visit a website. A Cookie or related technology will identify your browser, remember website preferences (e.g., text in English or another language you have selected), help you log-in, and improve the navigation of a website. We use Cookies to help us to improve the performance of our website. Cookies allow us to review the number of visitors to our website and a visitor’s usage patterns; to track key performance indicators such as pages visited, frequency of visits, downloads and other statistical information; whether a visitor views the mobile or desktop version of our website; to recognize you if you return to our website; to store information about your past visits, and to remember your preferences.

Your browser software can be set to reject all cookies. Browsers offer instructions on how to reset the browser to reject cookies in the “Help” section of the toolbar. If you reject our cookies, certain of the functions and conveniences of the Company Websites may not work properly but you do not have to accept our cookies to productively use the Company Websites. Keep in mind, that even “reject all” Cookies may occur after certain essential functional Cookies have been deposited.

You may be able to disallow Cookies by modifying the settings in your browser. To learn more about Cookies, and how to disallow or manage them go to: http://www.allaboutcookies.org/ and https://optout.privacyrights.info to opt out of certain uses of cookies for advertising purposes. Your selections are specific to the device, website, and browser you are using. Your selections are deleted whenever you clear your cookies or browser’s cache. If you choose not to accept Cookies, you may be unable to access certain parts or pages or our website.

III. Uses Of Your Information

How we use or process your information

Information collected from and about you online described in this Notice may be used for purposes such as:

Creating and maintaining your account;
Verify your identity when you access and use our services, and maintain the security of your Personal Information, so we can comply with our contractual obligations to you;
Provide you the specific services you select, so we can comply with our contractual obligations to you;
Delivering financing and services to you after verifying your identity (for example when you access your account information); processing applications for financing or services; processing transactions; providing customer service/product support.

To fulfill or meet the reasons you provided us the information, including to process your requests, transactions, or payments.
To respond to your inquiries, process your requests concerning your Personal Information in our possession, to investigate and address your concerns and to monitor and improve our responses.

Detecting and preventing fraud, identity theft, and other risks to you or Red Oak.
Analyze how you use our services and improve our services, as it is in our legitimate interest to understand any issues with our services and improve them;
Communicate with you about offers, products, and services that may be of interest to you;
Complying with and enforcing applicable legal requirements, industry standards, contractual obligations, and our policies.

Disclosure Of Your Information

Except as set forth in this Privacy Policy or as specifically agreed to by you, the Company does not disclose any Personal Information it gathers from you through the Company Websites. You may opt-out of your Personal Information being shared that you provide to us through the Company Websites by writing a letter or sending an email to the addresses listed in Section VI. We do not sell the personal information you provide us. We will not share your personal information with third parties for marketing purposes.

With whom we will share your information

We may share the Personal Information we collect from and about you online described in this Privacy Policy (and subject to other legal restrictions and notices you may have received depending on your relationship with us) with:

Third-party providers who have contracts that assist Red Oak’s primary business;
To comply with valid legal requirements such as a law, regulation, search warrant, subpoena, or court order;
Where disclosure is necessary to: (i) protect our rights or property, (ii) protect the interests of users of the Company Website, (iii) in connection with a corporate change or event (such as a merger, acquisition, sale, or dissolution of our business), and (iv) as otherwise permitted by law and this Privacy Policy.

Social media

Red Oak engages with customers on social media platforms such as LinkedIn®.

Any content you post on official Red Oak managed social media pages, such as pictures, information, opinions or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms.
When interacting with official Red Oak social media pages, Red Oak’s privacy notices and other guidelines may apply to Red Oak’s content or comments you may make.

We may allow social share buttons on our sites that enable users to easily share information on social media platforms. The non-affiliated third parties that own these widgets may have access to information about your browsing on pages of our Sites and Mobile Apps where these widgets are placed. We may disclose Personal Information that you have authorized the Company to share if you have enabled features or functionality that connect the services to a third-party vendor or social media network (such as by logging in to the services using your account with the third-party, providing your application programming interface (API) key or similar access token for the services to a third-party, or otherwise linking your account with the services to a third-party’s services). Note that we do not control the third-party’s use of your Personal Information and you should familiarize yourself with their privacy policies.

Privacy Rights

Updating, and correcting your Personal Information

It is important the Personal Information we have about you is accurate. If any of the Personal Information you provide us should ever change, for instance if you change your email address or phone number, or should you wish to change your preferences, to stop receiving announcements from us, to correct any inaccurate Personal Information about you, or to delete your account, please let us know by sending an email to privacy@redoakinventoryfinance.com. We are not responsible for any losses that could arise from any inaccurate, deficient or incomplete Personal Information that you provide to Red Oak. You may also have additional rights to your data as described in the following Section VI.

Information for Residents of California

The following rights apply solely to individuals who reside in the State of California:

Right to Access. You can request that we confirm whether we process your Personal Information and, if the data is available in a readily usable digital format, obtain a copy of the data you previously provided us.
Right to Correct. You can request that we correct inaccurate Personal Information that we maintain about you, subject to certain exceptions.
Right to Delete. You can request that we delete your Personal Information that we maintain about you, subject to certain exceptions.
Right to opt out Sharing. For Personal Information collected by cookies, pixels, and/or website tracking technologies, you can request that we not share your Personal Information for cross context behavioral advertising purposes by utilizing an opt-out preference signal (“OOPS”) such as the Global Privacy Control (“GPC”) signal. OOPS are signals sent by a platform, technology, or mechanism, enabled by individuals on their devices or browsers, that communicate the individual’s choice to opt-out of Sharing and/or Targeted Advertising. To use an OOPS/GPC, you can download a plugin to use on your current internet browser and follow the settings to enable the OOPS/GPC. For more information about GPC signals, see the GPC subsection below. For Personal Information you provide us through the Services (e.g. email address when you create an account), you can request that we not share or use such Personal Information for targeted advertising purposes by clicking sending an email to privacy@redoakinventoryfinance.com.
Other Rights: We regularly review pending or changing legislation to confirm the contents of this privacy policy.

Requests to access, correct, and delete can be submitted by emailing us at privacy@redoakinventoryfinance.com. In order to identify you within our systems, you may need to provide your first name, last name, email, and state residence. We may request additional information if we have trouble finding you in our systems. We may also deny certain requests, or fulfill a request only in part, based on our legal rights and obligations. For example, we may retain Personal Information as permitted by law, such as for tax, auditing or other record keeping purposes, to maintain an active account, to process transactions and facilitate customer requests, to meet our legal and regulatory compliance purposes, for fraud detection, investigation, and prevention, and in accordance with our data retention policies. We may also anonymize certain information as needed.

We will take reasonable steps to verify your identity prior to responding to your requests. The verification steps will vary depending on the type of request, sensitivity of the Personal Information that is the subject of the request, and whether you have an account with us.

You may designate an authorized agent to make a request on their behalf. If you choose to submit a privacy request through an authorized agent, we may require that you provide the agent with written permission to do so, and that the agent verify their own identity with us. If your privacy request is submitted by an agent without proof that they have been authorized by you to act on your behalf in accordance with applicable law, we may deny the request. We also reserve the right, in our sole discretion, to reach out to you directly to confirm that the agent is in fact authorized to make this request on your behalf to the extent allowable under applicable law, including where verification is insufficient or the nature of the Personal Information subject to the request is sensitive in nature.

The table below shows what categories of Personal Information we have collected and processed as well as the categories of third parties with whom we shared such data, within the last twelve (12) months. Information about the Personal Information we collect, and the sources of the Personal Information we process, and how we disclose your Personal Information is further described above in Section II and Section III of this Privacy Policy.

CATEGORY	EXAMPLES	PROCESSING PURPOSES	CATEGORY OF RECIPIENTS
Identifiers	Name, postal address, email address, account name, device ID, IP address, or other similar identifiers	– Process Applications for Products and Services – Account Creation and Maintenance – To Provide Our Products and Services – To Provide You with Service-Related Communications – To Provide Customer Support or to Respond to You – To Send You Marketing and Promotional Emails – For Internal Use and Services Improvement – To Enforce Compliance with Our Agreements or Policies – To Maintain and Enforce Legal and Regulatory Compliance – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Service Providers – Professional Advisors and Regulators – Other third parties with your consent
Demographic information	Gender, age, race, or other protected classifications under applicable law	– Process Applications for Products and Services – Account Creation and Maintenance – To Provide Our Products and Services – To Provide You with Service-Related Communications – To Provide Customer Support or to Respond to You – To Send You Marketing and Promotional Emails – For Internal Use and Services Improvement – To Enforce Compliance with Our Agreements or Policies – To Maintain and Enforce Legal and Regulatory Compliance – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Services Providers – Other third parties with your consent
Commercial information	Products or services contracted, or other purchasing or consumption histories or tendencies	– Process Applications for Products and Services – Account Creation and Maintenance – To Provide Our Products and Services – To Provide You with Service-Related Communications – To Provide Customer Support or to Respond to You – To Send You Marketing and Promotional Emails – For Internal Use and Services Improvement – To Enforce Compliance with Our Agreements or Policies – To Maintain and Enforce Legal and Regulatory Compliance – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Services Providers – Professional Advisors, Law Enforcement and Regulators – Other third parties with your consent
Internet or other similar network activity	Browsing history, network activity, IP addresses, search history, or information regarding your interaction with the Company Websites, emails, or advertisements	– To Provide Our Products and Services – To Provide Customer Support or to Respond to You – For Internal Use and Services Improvement – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Services Providers – Professional Advisors, Law Enforcement and Regulators – Other third parties with your consent
Geolocation data	Approximate location through a device’s IP address	– To Provide Our Products and Services – For Internal Use and Services Improvement – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Services Providers – Professional Advisors, Law Enforcement and Regulators – Other third parties with your consent
Audio and visual information	Visual information that you may submit through customer service requests or reviews; audio that is captured during customer service calls; and/or CCTV that is captured when you visit one of our locations	– To Provide You with Service-Related Communications – To Provide Customer Support or to Respond to You – For Internal Use and Services Improvement – To Enforce Compliance with Our Agreements or Policies – To Maintain and Enforce Legal and Regulatory Compliance – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Service Providers – Professional Advisors, Law Enforcement and Regulators – Other third parties with your consent
Inferences drawn from other Personal Information	Profile reflecting a person’s preferences, characteristics behavior, and attitudes.	– To Send You Marketing and Promotional Emails – For Internal Use and Services Improvement	– Affiliated Organizations – Services Providers – Other third parties with your consent
Sensitive Personal Information	Social security, driver’s license, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; racial or ethnic origin; contents of mail, email, and text messages; genetic data or biometric data that is processed for the purpose of uniquely identifying an individual; health-related information or information concerning sex life or sexual orientation	– Process Applications for Products and Services – Account Creation and Maintenance – To Provide Our Products and Services – To Provide You with Service-Related Communications – To Provide Customer Support or to Respond to You – To Enforce Compliance with Our Agreements or Policies – To Maintain and Enforce Legal and Regulatory Compliance – To Prevent Fraud, Identity Theft and Other Risks	– Affiliated Organizations – Services Providers – Professional Advisors, Law Enforcement and Regulators – Other third parties with your consent

Global Privacy Control. GPC signals are signals sent by a platform, technology, or mechanism, enabled by individuals on their devices or browsers, that communicate the individual’s choice to opt-out of Sharing and/or Targeted Advertising, such that the GPC signal effectively automatically communicates such requests. To use GPC, you can download an internet browser or a plugin to use on your current internet browser and follow the settings to enable GPC. To our knowledge, we have configured our websites to receive and honor GPC signals pursuant to the specification and implementation instructions at https://globalprivacycontrol.org.

Notice to Minors

Red Oak’s website is not directed at and is not intended to be visited by minors. No visitor to our website who is a minor or under the age of 18 should provide any Personal Information to Red Oak. If you are a minor, do not visit our website, blogs or social media sites and do not send any type of Personal Information about yourself to Red Oak or to our website.

VII. Data Retention

We will keep your Personal Information for as long as we have a relationship with you for the purposes of providing our services and meeting our contractual obligations. When deciding how long to keep your information after our relationship with you has ended, we consider our legal obligations and regulators’ expectations. We may also retain records to investigate or defend potential legal claims, taxes, licensing, or other regulatory or business requirements.

VIII. How to contact us

If you have any questions about our Privacy Policy, or would like to share any comments with us, please contact us using the following options:

privacy@redoakinventoryfinance.com

Phone

470-256-3100

Mailing Address

11675 Rainwater Drive, Suite 300

Alpharetta, GA 30009

INDUSTRIES

INFORMATION