Privacy policy

This privacy policy sets out how Unwrapped AB collects, processes and uses your Personal Information through your use of our Services.

Introduction

At G SHARP INC (DBA Sharp Notions) (“Sharp Notions,” “we,” “our,” or “us”), we respect your privacy and are committed to protecting the personal information of both financial professionals and their clients. This Privacy Policy explains how we collect, use, disclose, and safeguard information in connection with our financial technology services.

Our services are designed for use by financial professionals who may provide us with their own information and, where authorized, information about their clients. By using our services, you agree to the practices described in this Privacy Policy.

Introduction

We may collect the following categories of information:

• Professional Information: name, contact details, employer, job title.
• Client Loan Information (as provided by financial professionals or their clients): loan balances, payment history, interest rates, repayment terms, income, household status.
• Technical Information: IP address, device identifiers, browser type, and cookies.
• Usage Data: interactions with our website, platform, or tools.

We do not collect Social Security numbers, bank account logins, or government IDs unless explicitly provided for referral purposes and with your consent.

How We Use Information

We use the information collected to:

• Deliver and improve our financial technology tools.
• Generate outputs to help financial professionals evaluate student loan refinancing or similar lending opportunities.
• Facilitate referrals to third-party lenders (only with consent).

Comply with applicable legal or regulatory requirements.

Sharing of Information

We may share information with:

• Third-party service providers who help us operate our technology.
• Lenders or referral partners, but only when authorized by the financial professional or client.
• Regulators or authorities, if required by law or in connection with fraud prevention.

We do not sell your personal information.

Cookies and Tracking

We may use cookies and similar technologies to improve website functionality and analyze traffic. You may disable cookies in your browser, but some features of our site may not function properly.

Data Security and Retention

We use commercially reasonable safeguards to protect your information. However, no system can guarantee absolute security. We retain personal data only as long as necessary to provide services, comply with legal obligations, or resolve disputes.

Your Rights

Depending on your jurisdiction, you may have the right to:

• Request access to the personal information we hold about you.
• Request corrections or updates.
• Request deletion of your personal information.
• Restrict or object to certain processing activities.

To exercise these rights, contact us at: contact@refidesk.com

Children’s Privacy

Our services are not directed to children under 18. We do not knowingly collect information from minors.

State-Specific Privacy Disclosures

California Residents

• You have the right to request disclosure of what personal information we collect, use, and share.

You may request deletion of your information, subject to certain exceptions.

We do not sell personal information, as defined under the California Consumer Privacy Act (CCPA).

Married applicants may apply for credit separately.

Massachusetts Residents

• Massachusetts law prohibits discrimination in credit transactions on the basis of sex, gender identity, marital status, age, or sexual orientation.

Ohio Residents

• Ohio law requires that all creditors make credit equally available to all creditworthy customers.

Credit reporting agencies must maintain separate credit histories for each individual upon request.

Utah Residents

You are hereby notified that negative credit information may be submitted to a credit reporting agency if you fail to meet your financial obligations.

Washington Residents

Oral commitments to lend money, extend credit, or delay repayment of a debt are not enforceable under Washington law.

Other State Rights

You may have additional rights under your state’s privacy or credit reporting laws.

If applicable, we will comply with those obligations.

Federal Disclosures

• Under the Fair Credit Reporting Act (FCRA), you have the right to request a free copy of your credit report from each of the three major consumer reporting agencies once per year (Equifax, Experian, TransUnion). Visit AnnualCreditReport.com or call 1-877-322-8228.

You have the right to dispute inaccuracies in your credit report with the reporting agency.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with a revised “Last Updated” date. Continued use of our services after updates constitutes acceptance of the revised policy.

Contact Us

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

Email: contact@refidesk.com