Compliance Notice

Last Updated: January 1, 2024

Important: This document outlines our compliance with federal and state regulations governing our services.

1. Regulatory Compliance Overview

Really Bro Connections operates in full compliance with all applicable federal and state laws governing consumer lending, vehicle sales, and data protection. Our platform adheres to:

  • Truth in Lending Act (TILA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Gramm-Leach-Bliley Act (GLBA)
  • California Consumer Privacy Act (CCPA)
  • State-specific consumer protection laws

2. Lead Generation Disclosures

As a lead generation platform, we want you to understand:

  • We are not a lender or dealer ourselves
  • We do not make credit decisions
  • By submitting information, you consent to being contacted by our partner network
  • Matching is based on criteria provided and partner availability
  • Not all users will receive matches or approvals

3. Fair Lending Practices

Our platform and partner network are committed to fair lending. We do not discriminate based on:

  • Race, color, religion, or national origin
  • Sex, marital status, or age
  • Receipt of public assistance
  • Good faith exercise of rights under the Consumer Credit Protection Act

4. Identity Verification (KYC)

Our Know Your Customer (KYC) process is designed to:

  • Verify user identity to prevent fraud
  • Comply with anti-money laundering regulations
  • Protect both users and partners from identity theft
  • Ensure accurate matching and underwriting

KYC verification is performed by our trusted partner, Persona, in compliance with all applicable regulations.

5. Data Protection Compliance

We maintain strict data protection standards:

  • SOC 2 Type II compliant infrastructure
  • PCI-DSS compliant payment processing
  • Regular third-party security audits
  • Data encryption at rest and in transit
  • Employee background checks and training

6. Partner Compliance Requirements

All dealers and lenders in our network must:

  • Maintain all required state and federal licenses
  • Demonstrate compliance with fair lending laws
  • Pass our vetting and due diligence process
  • Agree to our Partner Code of Conduct
  • Undergo periodic compliance reviews

7. Advertising Standards

All marketing and advertising on our platform:

  • Is truthful and not misleading
  • Clearly discloses material terms
  • Does not promise guaranteed approvals
  • Complies with FTC advertising guidelines

8. Complaint Handling

We take complaints seriously and provide multiple channels for resolution:

  • Email: compliance@reallybroconnections.com
  • Phone: 1-800-RBC-HELP
  • Mail: Compliance Department, 123 Connection Drive, Suite 500, Los Angeles, CA 90001

All complaints are investigated within 30 business days.

9. State-Specific Notices

Residents of certain states may have additional rights and protections. Please contact our compliance team for state-specific information.

10. Updates to This Notice

This Compliance Notice may be updated as regulations change. The effective date will always be displayed at the top of this document.