This Privacy Policy describes how Replafi LLC ("Replafi," "we," "us," or "our") collects, uses, and shares information about you when you visit our website at replafi.com (the "Site") or use our consulting services (together with the Site, the "Services").

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree with our policies and practices, do not use our Services.

1. Information We Collect

1.1 Information You Provide to Us

We collect information you provide directly to us, including:

• Contact Information: Name, email address, phone number, mailing address, and company name

• Business Information: Information about your company, employee count, PEO contracts, and business needs

• Payment Information: Billing details and payment card information (processed securely through third-party payment processors)

• Communications: Information in emails, messages, or other communications with us

• Documents: PEO contracts, invoices, benefit summaries, and other documents you share with us for analysis

1.2 Information We Collect Automatically

When you access or use our Services, we may automatically collect information about you, including:

• Usage Information: Pages viewed, time spent on pages, links clicked, and other actions taken

• Device Information: IP address, browser type, operating system, device identifiers, and mobile network information

• Location Information: Approximate geographic location derived from your IP address

• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to collect information and improve our Services

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Services

• Analyze your PEO contracts and provide consulting recommendations

• Communicate with you, including responding to your inquiries and sending service updates

• Process transactions and send related information such as invoices and confirmations

• Send marketing communications about our services (with your consent where required)

• Monitor and analyze trends, usage, and activities in connection with our Services

• Detect, prevent, and address technical issues, fraud, and illegal activities

• Comply with legal obligations and enforce our Terms of Service

3. How We Share Your Information

We may share your information in the following circumstances:

• Service Providers: We may share information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, and hosting services

• Business Transfers: If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction

• Legal Requirements: We may disclose information if required by law, regulation, legal process, or governmental request

• Protection of Rights: We may disclose information to protect the rights, property, or safety of Replafi, our clients, or others

• With Your Consent: We may share information with third parties when you give us consent to do so

• Aggregated or De-identified Information: We may share information that has been aggregated or de-identified so that it cannot reasonably be used to identify you

We do not sell your personal information to third parties.

4. Data Security

We take reasonable measures to protect your information from unauthorized access, use, alteration, and destruction. These measures include:

• Encryption of data in transit and at rest

• Secure storage of sensitive documents

• Regular security assessments and updates

• Limited access to personal information on a need-to-know basis

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. When we no longer need your information, we will securely delete or anonymize it.

Typical retention periods:

• Client engagement documents: 7 years after completion of services (for legal and tax purposes)

• Marketing communications: Until you unsubscribe or request deletion

• Website analytics data: 26 months

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: You may request access to the personal information we hold about you

• Correction: You may request that we correct inaccurate or incomplete information

• Deletion: You may request that we delete your personal information

• Opt-Out: You may opt out of receiving marketing communications by following the unsubscribe instructions in those communications

• Cookies: You can set your browser to refuse cookies or alert you when cookies are being sent

To exercise these rights, please contact us at the information provided in Section 10 below.

7. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us immediately. If we learn that we have collected personal information from a child under 18, we will take steps to delete such information.

8. Third-Party Links and Services

Our Services may contain links to third-party websites or services that are not owned or controlled by Replafi. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

9. 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 email (if you have provided your email address) or by posting a notice on our Site prior to the change becoming effective. We encourage you to review this Privacy Policy periodically.

Your continued use of our Services after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Replafi LLC

1231 N Golden Spoke Dr

Spanish Fork, Utah 84660

Email: [email protected]

Phone: 844.407.3752

Last Updated: February 24, 2026