Last updated: September 17, 2026
This Privacy Policy explains how information about you is collected, used, and shared when you use the Your Car, Your Choice mobile application (the "App"). The App is operated by Ray Consumer Labs ("we," "us," or "our"), a subsidiary of Ray Consumer Group, which owns the underlying technology and infrastructure. Ray Consumer Labs is the entity that presents the App to the public and processes funds. By using the App, you agree to the collection and use of information in accordance with this Policy.
The App is a marketplace that connects customers seeking automotive repair with independent mechanics. We facilitate introductions and payment between these parties. We are not a party to the repair agreement itself and do not perform repairs.
We collect the following categories of information:
Payments are handled through Stripe using a hold-and-capture model: a customer's payment may be authorized and held before being captured and released to a mechanic. Dispute outcomes may result in a full release, a refund, or a split between the parties. We retain transaction and dispute records for financial and legal record-keeping. Stripe's handling of your payment data is governed by Stripe's Privacy Policy.
To help protect customers and maintain trust in the platform, mechanics must verify their identity before they can accept jobs. This is done through Stripe Identity, a service operated by Stripe, Inc., using a government-issued ID and a live selfie.
Verification happens entirely within Stripe's systems. We do not receive, view, or store your ID document, selfie image, or any personal details extracted from them, including your name, date of birth, address, or ID number as verified by Stripe. We retain only the outcome of the verification (verified, failed, or pending) and the date it occurred. Stripe's handling of your identity information is governed by Stripe's Privacy Policy and the Stripe Identity Agreement.
Customers are not required to verify their identity, and this process does not apply to customer accounts.
We do not currently display advertising in the App. We intend to introduce advertising in the future, likely through Google AdMob. When advertising is introduced, ad providers such as Google may collect device identifiers and, subject to your consent where required, use information (which may include approximate location) to personalize ads. At that time we will update this Policy, update our App Store and Google Play privacy disclosures, and, on iOS, request your permission through Apple's App Tracking Transparency prompt before any cross-app tracking occurs. This section is a forward-looking disclosure; no advertising SDK is active in the current build.
You may delete your account at any time from within the App (Settings → Delete Account). When you delete your account, we deactivate your login, remove or anonymize your personal profile information, and reset any identity verification status associated with your account. However, we retain records of completed transactions, payouts, and disputes in an anonymized or pseudonymized form where possible, because we are required to keep financial records for legal, tax, and accounting purposes. Deletion may be unavailable while you have an active job or an unresolved dispute; you must resolve or complete these first.
Depending on where you live, you may have rights to access, correct, or delete your personal information, or to object to certain processing. To exercise these rights, contact us at the email below. Account deletion is also available directly in the App.
The App is not directed to children under 13 (or the equivalent minimum age in your jurisdiction), and we do not knowingly collect information from them.
We may update this Policy from time to time. Material changes will be reflected by updating the "Last updated" date, and where appropriate, by notice within the App.
For privacy questions or requests, contact us at: rayconsumergroup@gmail.com.