Your privacy matters to us. We collect only what we need to review and fund commercial truck financing, we do not sell personal information, and we never share your mobile number or text messaging consent with third parties for their marketing.
1. Who We Are
Hard Money Truck Loans ("Hard Money Truck Loans," "HMTL," "we," "us" or "our") provides commercial truck and trailer financing to businesses and business owners purchasing trucks from licensed dealers. Our financing is for business purposes only. We do not offer personal, household or consumer loans.
This Privacy Policy explains how we collect, use, share and protect information when you visit hardmoneytruckloans.com (the "Site"), submit a form, call us, text us or otherwise communicate with us.
2. Information We Collect
We collect only the information needed to evaluate a financing request and to communicate with you about it.
- Contact information: name, business name, phone number, email address and state.
- Financing scenario information: years in business, type of truck or trailer, purchase price, desired timeline, down payment amount and the dealer you are working with.
- Application and underwriting information: if you move forward with an application, business and personal information such as business bank statements, ownership and identification details, and, with your authorization, credit report information.
- Dealer information: for dealer partners, dealership name, role at the dealership, website and contact details.
- Communications: the content of messages, texts, emails and notes from phone calls you have with us.
- Device and usage information: IP address, browser type, device type, pages viewed, referring pages and similar data collected automatically through cookies and analytics tools.
3. How We Use Information
- To review your financing scenario and determine whether it may fit our program.
- To contact you by phone, text message or email about your inquiry or application.
- To process, underwrite, fund and service a financing transaction.
- To coordinate with the licensed dealer involved in your truck purchase.
- To verify identity, prevent fraud and protect the security of our Site and business.
- To comply with legal, regulatory and record keeping obligations.
- To understand how visitors use the Site and to improve our content and services.
4. Text Messages And Phone Calls
When you submit a form on the Site or text or call us, you agree that Hard Money Truck Loans may contact you at the phone number you provided by call or text message about your inquiry, application or financing. Message frequency varies. Message and data rates may apply.
You can opt out of text messages at any time by replying STOP. Reply HELP for help. Opting out of text messages does not affect other communications needed to complete a transaction you requested.
Your consent is not a condition of obtaining financing. We do not sell, rent or share your mobile phone number or text messaging consent with third parties or affiliates for their marketing purposes.
5. How We Share Information
We do not sell your personal information. We share information only as needed to provide our services:
- With funding partners, lenders and investors involved in reviewing or funding your transaction.
- With the licensed dealer selling the truck or trailer you are purchasing.
- With service providers who help us operate, such as website hosting, email delivery, text messaging, analytics, credit reporting agencies and document handling. These providers may use the information only to perform services for us.
- When required by law, subpoena or court order, or to protect our rights, property or safety and that of others.
- In connection with a merger, acquisition, financing or sale of all or part of our business.
- With your consent or at your direction.
6. Credit Information
Submitting a scenario or contact form on the Site does not authorize a credit inquiry. If you choose to apply, we will request your authorization before obtaining a credit report. Credit information is used only to evaluate and service your financing request and is handled in accordance with applicable law, including the Fair Credit Reporting Act.
7. Cookies And Analytics
The Site uses cookies and similar technologies, including Google Analytics, to understand traffic and how visitors use our pages. Google Analytics collects information such as pages visited, time on page and general location. You can learn how Google uses this data at policies.google.com/technologies/partner-sites, and you can opt out with the Google Analytics Opt-out Browser Add-on.
Most browsers let you block or delete cookies through their settings. Blocking cookies may affect how some parts of the Site work. The Site does not currently respond to browser "Do Not Track" signals.
8. How We Protect Information
We use reasonable administrative, technical and physical safeguards designed to protect the information we collect, including encrypted connections (HTTPS) on the Site and restricted access to submitted information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. Please do not send full bank account numbers, Social Security numbers or passwords through website forms or text messages unless we request them through a secure method.
9. Data Retention
We keep information for as long as needed to respond to your inquiry, complete and service any financing, and meet our legal, accounting and record keeping obligations. When information is no longer needed, we delete it or make it anonymous.
10. Your Choices And Rights
You may ask us to access, correct or delete the personal information we hold about you, or to stop contacting you, by emailing [email protected] or calling (407) 250-8536. We will verify your request and respond within the time required by applicable law. Some information may need to be kept to complete a transaction or comply with legal obligations.
Depending on where you live, state privacy laws (such as those in California, Virginia, Colorado, Connecticut and other states) may give you additional rights. We will not discriminate against you for exercising any privacy right.
11. Children
The Site and our services are intended for business owners and adults 18 years of age or older. We do not knowingly collect information from children under 13. If you believe a child has provided us information, contact us and we will delete it.
12. Links To Other Websites
The Site may link to websites operated by others, such as dealers or government resources. We are not responsible for the privacy practices of those websites. Please review their policies before providing information.
13. Changes To This Policy
We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new effective date. Continued use of the Site after a change means you accept the updated policy.
14. Contact Us
Questions about this Privacy Policy or your information can be sent to Hard Money Truck Loans at [email protected], or by calling or texting (407) 250-8536. You can also review our Terms of Service.