Privacy Policy

1. Information We Collect

We may collect the following categories of information:

• Identifying Information: Name, address, phone number, email, date of birth, government-issued identification
• Business Information: Business name, EIN, entity type, ownership structure, operational details
• Financial Information: Bank account details, financial statements, revenue data, transaction history
• Credit Information: Credit reports, credit scores, and related underwriting data
• Collateral Information: Vehicle details, VIN, title information, GPS tracking data
• Technical Information: IP address, device information, browser data, and usage activity
• Communications: Emails, messages, recorded calls, and other correspondence
• Other Information: Any additional data reasonably necessary to originate, service, or enforce a loan

2. How We Use Information

We use collected information for legitimate business purposes, including:

• Processing and underwriting financing applications
• Verifying identity and preventing fraud
• Servicing loans and managing accounts
• Processing payments, including ACH and electronic transactions
• Communicating with Consumers regarding accounts and services
• Enforcing contractual rights, including collections and asset recovery
• Complying with legal, regulatory, and reporting obligations

3. Information Sharing and Disclosure

We do not sell Consumer information.

We may share information with third parties as necessary to conduct business operations, including:

• Payment processors and financial institutions
• Credit reporting agencies and verification services
• Insurance providers
• GPS and asset tracking providers
• Repossession agents and recovery vendors
• Attorneys, auditors, and professional advisors
• Technology and software service providers
• Government agencies or regulators as required by law

All disclosures are made in accordance with applicable laws and only as necessary to fulfill business purposes.

4. Electronic Communications Consent

By interacting with us, you consent to receive communications via:

• Telephone calls (including automated dialing systems)
• Email
• SMS/text messages
• Online portals and electronic systems

Such communications may be monitored or recorded for quality assurance, compliance, and recordkeeping purposes.

5. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect information from unauthorized access, use, or disclosure.

However, no system is completely secure, and we cannot guarantee absolute security.

6. Data Retention

We retain information for as long as necessary to:

• Service accounts
• Comply with legal and regulatory requirements
• Resolve disputes
• Enforce agreements

Retention periods are governed by our internal Data Retention and Disposal Policy.

7. Consumer Rights

Subject to applicable law, Consumers may:

• Request access to certain information
• Request correction of inaccurate information

Requests may be subject to verification and legal limitations.

8. Changes to This Notice

We reserve the right to update or modify this Privacy Notice at any time. Updates will be effective upon posting.

9. Acknowledgment

By submitting information, signing an application, or using our services, you acknowledge that you have received and agree to this Privacy Notice.