UDAAP Disclosure

Remynt is committed to conducting our business in compliance with all applicable federal and state laws, including those that protect consumers from Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). This disclosure is designed to provide clear and transparent information about our practices and your rights as a consumer.

Our Commitment to You
We understand the importance of transparency and fairness in our services and strive to ensure that all interactions with our customers meet the highest ethical standards. If you are engaging with us for debt collection or credit-building services, you should expect the following from us:

Unfair Practices

• We will not take advantage of your lack of understanding of financial terms, debt obligations, or credit-building programs.
• We will not impose fees, costs, or charges that are deemed unreasonable or not disclosed to you upfront.
• We will not use unfair tactics in the collection of debt, such as attempting to collect amounts you do not owe or adding charges you have not agreed to.

Deceptive Practices

• We will provide accurate and truthful information about your debt or credit-building program. We will not misrepresent amounts owed, payment due dates, or the consequences of non-payment.
• Any communication or agreement made with Remynt will be clear and straightforward.
• We will not hide or obscure key terms or conditions in small print or complicated language.
• We will not make false promises regarding how participating in our credit-building services may impact your credit score or financial standing.

Abusive Practices

• We will not use intimidating or oppressive language, harassment, or threats during any communication, including phone calls, emails, or mailed correspondence.
• We will not pressure you into entering an agreement or transaction that you cannot afford, do not understand, or do not wish to participate in.
• We will not take advantage of any challenges you may face, such as language barriers or financial difficulties, to coerce or manipulate your decision-making.

Your Rights as a Consumer

1. Right to Information:
You have the right to receive clear and accurate information regarding any debt owed, repayment terms, or credit-building programs we offer.
2. Right to Dispute a Debt:
If you believe there is an error or discrepancy in the amount of debt owed, you have the right to dispute the debt. We will respond promptly and provide the appropriate documentation to verify the debt if requested.

3. Right to Privacy:
Your personal and financial information is confidential and will be handled securely. We will not share your information with unauthorized parties.

4. Right to Fair Communication:
We will communicate with you in a fair, respectful, and professional manner. If you request that we limit or cease communication through certain channels, we will comply to the extent permitted by law.

5. Right to Review Terms:
For credit-building services (provided through our partners Upwardli and Cross River Bank), you will have the opportunity to review all terms, conditions, and fees before agreeing to participate. We encourage you to fully understand your obligations before committing. 

How to Report Concerns

If you believe we have engaged in an unfair, deceptive, or abusive act or practice or have violated your rights as described in this disclosure, please contact us immediately so we can address your concerns:

• Phone: [phone]
• Email: [e-mail]
• Mailing Address: 235 Montgomery Street, Suite 600, San Francisco, CA 94104

You may also submit complaints to the **Consumer Financial Protection Bureau (CFPB)** or your state’s attorney general’s office if you believe your rights have been violated.

Helpful Resources

• Consumer Financial Protection Bureau - https://www.consumerfinance.gov
• Federal Trade Commission - https://www.ftc.gov

Remynt takes pride in upholding fair and ethical practices. If you have questions about this disclosure or any of our services, please do not hesitate to reach out to us.