Privacy Policy

Last Updated: August 7th, 2026

TruckLenders USA ("Company," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and safeguard your information when you use our financing application system.

By using our services or submitting your information, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

We collect personal, business, and financial information to evaluate your eligibility for commercial truck or equipment financing. This includes:

Personal Information

• Full Name
• Social Security Number (SSN)
• Date of Birth
• Email Address
• Phone Number
• Residential Address
• Government-issued ID (e.g., Driver's License)

Financial Information

• Bank Account Information
• Uploaded Bank Statements
• Business Revenue and Banking Details
• Equipment Invoices or Quotes
• Credit Score (if provided)

Business Information

• Business Name and EIN
• Business Address
• Years in Business
• Equipment Details

We do not collect passwords, medical records, or unnecessary personal data.

2. How We Use Your Information

Your data is used solely to process your financing application:

• Evaluate your eligibility for funding
• Share with approved lending partners for underwriting
• Verify your identity and prevent fraud
• Contact you regarding your application, including by phone call and text message
• Use automated document analysis tools to assist with review

We never sell or rent your information to third-party marketers.

3. SMS / Text Messaging

When you provide your phone number and opt in, TruckLenders USA may send you text messages about your financing application and options, including automated and recurring messages.

• Message frequency varies based on your application activity.
• Message and data rates may apply.
• Reply STOP at any time to opt out of text messages. Reply HELP for help, or contact us at credit@trucklendersusa.com or 877-233-1475.
• Consent to receive text messages is not a condition of any purchase or financing.

Mobile opt-in and text-messaging consent information is never sold or shared with any third parties or affiliates for their own marketing or promotional purposes. We may share your application information (including your phone number) only with the lending and funding partners needed to process your application, as described in this policy — never for third-party marketing.

4. How We Protect Your Information

We apply advanced encryption and security protocols, including:

• Secure Data Transmission: All data is encrypted in transit using HTTPS (SSL/TLS).
• Encrypted Storage: Uploaded files are encrypted using AES-256 and stored in Amazon S3 and Microsoft SharePoint with strict access controls.
• Key Management: Encryption keys are protected using AWS Key Management Service (KMS).
• Authentication: User logins are securely handled via Amazon Cognito.
• Access Logging: All sensitive data access is tracked and monitored.
• Email Security: Sensitive data is never stored or transmitted via email.

Only authorized personnel with role-based access may view your data.

5. How Long We Retain Your Data

We retain data only as necessary. Data is retained only for underwriting, funding, fraud prevention, or legal compliance.

6. Who We Share Your Data With

We only share your data with essential service partners:

• Lenders: Who underwrite and fund your application
• Credit Bureaus: When a credit check is required
• Technology Providers: Such as AWS, Salesforce, SharePoint, and Bedrock AI to process applications securely
• Legal Authorities: When required by law

We do not share your data with advertisers or unauthorized entities. As noted in Section 3, mobile opt-in and text-messaging consent information is never shared with any third parties or affiliates for their own marketing purposes.

7. Your Rights

You have the right to:

• Request a copy of your personal data
• Request correction of inaccurate data
• Request deletion of your data
• Withdraw consent before final funding

To exercise these rights, email us at credit@trucklendersusa.com.

8. Cookies & Tracking Technologies

We may use cookies to enhance user experience and site functionality. No sensitive application data is stored in cookies or tracking tools. We do not use cookies for advertising or retargeting.

9. AI & Automation Disclosure

We may use secure AI tools (e.g., AWS Textract, Bedrock) to extract and analyze application documents (e.g., bank statements). These tools assist with document parsing and preliminary evaluation. All final funding decisions are reviewed by licensed professionals or lenders.

10. Changes to This Policy

We may update this policy from time to time. Updates will be posted here with the updated "Last Updated" date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us:

• Email: credit@trucklendersusa.com
• Phone: 877-233-1475
• Website: www.trucklendersusa.com