Privacy Policy

Your privacy matters to us. This policy explains how Texas Equipment Finance collects, uses, and protects your personal information.

Last Updated: January 15, 2025

1. Information We Collect

Texas Equipment Finance collects information necessary to evaluate financing applications and provide our services. The types of information we may collect include:

Personal Identifiers: Full name, email address, phone number, mailing address, date of birth, and Social Security Number (for credit evaluation purposes).

Business Information: Business name, EIN/Tax ID, business type, industry, annual revenue, years in operation, and ownership details.

Financial Information: Bank statements, tax returns, credit history, and other financial documents submitted as part of the application process.

Equipment Details: Type, make, model, year, condition, and cost of equipment being financed.

Website Usage Data: IP address, browser type, device information, pages visited, and interaction data collected through cookies and similar technologies.

2. How We Use Your Information

We use the information we collect for the following purposes:

To evaluate and process equipment financing applications
To verify your identity and conduct credit assessments
To communicate with you regarding your application status, account updates, and financing options
To comply with federal and state regulatory requirements, including anti-money laundering (AML) and Know Your Customer (KYC) obligations
To improve our website, services, and customer experience
To send relevant marketing communications (with your consent, where required)
To detect and prevent fraud or unauthorized access

3. Information Sharing & Disclosure

Texas Equipment Finance does not sell your personal information. We may share your information with the following parties only as necessary to provide our services:

Lending Partners

Banks, credit unions, and alternative lenders who participate in evaluating and funding your financing request.

Credit Bureaus

To obtain credit reports and verify financial information as part of the underwriting process.

Service Providers

Third-party vendors who assist with document processing, IT infrastructure, payment processing, and customer support.

Legal & Regulatory

Government agencies, regulators, or law enforcement when required by law, subpoena, or legal process.

4. Data Security

We take the security of your personal information seriously and implement industry-standard safeguards to protect it, including:

256-bit SSL/TLS encryption for all data transmitted through our website

Encrypted storage of sensitive personal and financial data at rest

Role-based access controls limiting employee access to personal information on a need-to-know basis

Regular security audits and vulnerability assessments

Secure document upload and storage systems

While we strive to protect your information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest practical standards.

5. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and analyze site usage. These include:

Type	Purpose
Essential	Required for basic site functionality, such as navigation and form submissions.
Analytics	Help us understand how visitors interact with our site to improve performance and content.
Marketing	Used to deliver relevant advertisements and measure campaign effectiveness.

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect site functionality.

6. Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

Access: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Deletion: Request deletion of your personal information, subject to legal retention requirements.
Opt-Out: Unsubscribe from marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly.
Data Portability: Request your data in a structured, commonly used format.

To exercise any of these rights, please contact us at privacy@texasequipmentfinance.com.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records and application data may be retained for a minimum of seven (7) years in accordance with federal and state regulatory requirements. When information is no longer needed, it is securely deleted or anonymized.

8. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by Texas Equipment Finance. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete it promptly.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically.

11. Contact Us

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

Texas Equipment Finance

privacy@texasequipmentfinance.com

(800) 555-1234

Have Questions About Your Data?

Our team is happy to help with any privacy-related inquiries.