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Privacy Policy

Last Updated: August 27, 2026

This Privacy Policy explains how Home Services Financing Solutions, Inc. d/b/a SuprFi (“SuprFi,” “we,” “us”) collects, uses, and shares personal information in connection with our websites, including www.suprfi.com and its subdomains, our online and mobile application flows, our borrower and merchant portals, and our text message, chat, email, and voice communications (together, the “Services”).

If you apply for or obtain financing, our handling of your nonpublic personal information is also governed by our GLBA Privacy Notice, available at www.suprfi.com/privacy-notice. If this Privacy Policy conflicts with the GLBA Privacy Notice as to that information, the GLBA Privacy Notice controls.

Information We Collect

When you use our services, we collect the following types of information:

  • Information you provide: name, postal address, email address, telephone number, date of birth, Social Security number, bank account and payment information, income and employment information, information about the transaction you are financing, and the contents of your communications with us. We may also ask for your driver’s license, or other government identification to verify your identity and protect against fraud.
  • Information collected automatically: IP address, browser and device information, device identifiers, pages viewed and actions taken, approximate location derived from IP address, and signals used to detect and prevent fraud, collected through cookies and similar technologies.
  • Information from third parties: merchants and home service providers (contact and transaction details); identity verification and fraud prevention vendors; bank account verification providers; consumer reporting agencies, obtained with a permissible purpose under the Fair Credit Reporting Act; payment processors and bank partners; and analytics providers. If you use a mobile device, you authorize your wireless carrier to disclose subscriber and device details to us and our identity verification and fraud prevention providers, solely to verify your identity and prevent fraud for the duration of our business relationship.

Cookies, Tracking, and “Do Not Track”

We and our service providers use cookies, pixels, and similar technologies to operate the Services, maintain sessions and security, remember preferences, and measure usage. Third parties, such as analytics providers, may collect information about your online activities over time when you use the Services. You may manage non-essential cookies through your browser settings; strictly necessary technologies cannot be disabled. Because there is no common industry standard for interpreting browser “Do Not Track” signals, we do not currently respond to them. We honor Global Privacy Control signals where required by applicable law.

How We Use Your Information

We use information to verify your identity and evaluate your eligibility for financing; to originate, fund, service, and collect on loans and process payments; to communicate with you about your application, loan, and account; to provide, maintain, secure, and improve the Services; to detect and prevent fraud and other unlawful activity; to comply with legal and regulatory obligations; to respond to questions, complaints, and disputes; to perform analytics and develop and validate our models; to market our products and services to you; and to establish, exercise, or defend legal claims.

How We Share Your Information

We may share your personal information with the following categories of third parties:

  • Service providers that perform services on our behalf (including hosting, identity and bank account verification, credit decisioning, payment and ACH processing, electronic signature, communications, analytics, customer support, and collections), which may use the information only to perform those services;
  • Merchants associated with your transaction limited to application status, approval outcome, approved amount, and funding status;
  • Bank partners, funding sources, and loan purchasers, and their auditors and regulators;
  • Consumer reporting agencies, to which we may furnish information about your loan and payment performance;
  • Legal and regulatory recipients, where required by law, legal process, or examination, or to protect the rights, property, or safety of any person;
  • Parties to a corporate transaction (financing, merger, acquisition, reorganization, or sale of assets), subject to applicable law; and
  • Others at your direction or with your consent.

We do not sell personal information for money, share it for targeted or cross-context behavioral advertising, or share it with non-affiliated third parties for their own marketing. Mobile opt-in and text message consent data are not shared with any third party for marketing purposes.

Connecting Your Bank Account (Plaid)

To verify your bank account and support your financing, we use Plaid Inc. (“Plaid”) to connect to your financial institution. You provide your online banking credentials directly to Plaid, not to SuprFi, and SuprFi does not receive or store those credentials. Plaid provides us with the information you authorize, such as account and routing details, balances, and transaction history, which we use for identity and account verification, underwriting, payment processing, and fraud prevention. By connecting a financial account, you acknowledge and agree that Plaid will collect, use, and share your information in accordance with Plaid’s End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.

Text Messages and Marketing Communications

If you provide your telephone number, you consent to receive calls and text messages from us and our service providers at that number, including autodialed and prerecorded messages, for purposes related to your application, loan, and account. Consent to receive marketing calls or texts is not a condition of obtaining financing. Message and data rates may apply, and message frequency varies. You may opt out of marketing text messages at any time by replying STOP to any message, and you may opt out of marketing emails by using the unsubscribe link in any marketing email or by contacting us at the email address below. You may continue to receive transactional and servicing messages after opting out of marketing messages.

Business Representatives (Merchants and Their Personnel)

If you are an owner, principal, control person, employee, technician, contractor or other representative of a merchant or home service provider that applies to or participates in the SuprFi merchant program, we collect personal information about you in that capacity. This includes: your name, contact details, title and role; date of birth and government identifiers used for business verification (KYB), beneficial-ownership and sanctions and watch-list screening; licensing and background information; consumer report information, obtained with your written authorization and a permissible purpose under the Fair Credit Reporting Act; merchant portal credentials, training records and activity logs; job and transaction records transmitted from your company’s systems, such as technician completion attestations; and the contents of your communications with us, which may be monitored or recorded as permitted by law.

We use this information to evaluate and manage the merchant’s enrollment and participation in our program; to administer portal access, credentials and training; to fund and settle transactions and administer completion confirmations; to detect and prevent fraud; to comply with legal and regulatory obligations, including anti-money laundering, customer due diligence and sanctions laws; and for the other purposes described in this Privacy Policy. We share it with the categories of recipients described above, including our service providers, bank partners, funding sources and loan purchasers, and their auditors and regulators. The confidentiality obligations between SuprFi and the merchant you represent are set out in our agreement with that merchant. Information we collect about you as a borrower or loan applicant, if you separately apply for financing, is handled as described elsewhere in this Privacy Policy and in our GLBA Privacy Notice.

How We Protect Your Information

We use industry-standard security measures to protect your personal information, including encryption of data in transit and at rest; secure storage of financial information; and access controls limiting who can view your data. No method of transmission or storage is completely secure, however, and we cannot guarantee the absolute security of your information. If we become aware of a security incident affecting your personal information, we will notify you and any applicable regulators as and when required by applicable law.

Data Retention

We retain your personal information for as long as necessary to provide our services, to comply with our legal and regulatory obligations (including record-keeping requirements applicable to consumer lending), to resolve disputes, and to enforce our agreements. Retention periods follow our records retention schedule and vary by the type of information: for example, credit application and adverse action records are kept for at least 25 months as federal lending rules require, and loan records are kept for the period the law requires after the loan closes. We review our records against that schedule on a periodic basis and securely delete or de-identify information that is no longer required.

State Privacy Rights

Much of the information we collect is nonpublic personal information subject to the Gramm-Leach-Bliley Act and is exempt from state consumer privacy laws; our handling of that information is governed by our GLBA Privacy Notice. Where a state privacy law applies to information we hold about you, we will honor the rights it provides, including any rights to access, correct, or delete personal information. To make a request, or to review or request changes to information you have provided through the Services, contact us at the email provided below. We will verify your identity before responding and will not discriminate against you for exercising your rights. Supplemental state notices currently in effect: none at this time.

Children’s Privacy

The Services are intended for adults. We do not knowingly collect personal information from anyone under 18.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by posting the revised Privacy Policy at this page with a new “Last Updated” date. By using the Services, you are agreeing to this Privacy Policy and any updates we make to it.

Contact Us

You can contact us at support@suprfi.com.