Privacy Policy
Effective Date: March 25, 2026 Last Updated: April 8, 2026 Hello Truck Lease ("HTL," "we," "us," or "our") provides business-to-business truck leasing and related services to commercial customers. This Privacy Policy describes how we collect, use, disclose, and protect personal information in connection with our websites, applications, leasing and underwriting processes, and related services (collectively, the "Services"). This Privacy Policy applies to individuals who interact with the Services on behalf of a business customer, including employees, drivers, and other authorized users ("Authorized Users"), prospective customers who apply for leasing or provide personal guaranties ("Applicants"), and individuals who visit or interact with our websites or marketing channels. The Services are intended solely for commercial use, and HTL does not knowingly provide Services to individuals acting in a personal or household context. 1. SCOPE AND DEFINITIONS Business Customers. HTL's customers are businesses. HTL provides Services to business customers and individuals acting on their behalf. Personal Information. "Personal information" means information that identifies, relates to, describes, or could reasonably be linked to an individual, including individuals acting in a business or commercial capacity. 2. INFORMATION WE COLLECT We collect personal information in the following categories and through the following sources: A. Business Representatives and Authorized Users We may collect: - Name, business email address, phone number - Employer or business name, address, and role - Account credentials (stored in protected form) - Permissions and access roles - Communications (emails, support requests, call notes) B. Applicants and Guarantors In connection with lease applications and underwriting, we may collect: - Identifiers such as name, date of birth, Social Security number, driver's license or government-issued identification - Contact information including email, phone number, current address - Financial information such as bank statements, financial records, and related documentation - Application information such as ownership interests, business affiliations, and related disclosures - Credit information such as consumer credit reports and related data obtained from third-party credit reporting agencies such as consumer reporting agencies (e.g., Experian) This information may be collected through electronic forms, document signing platforms, email communications, secure upload links, or other application workflows. C. Job Applicants We may collect: - Resumes and application information - Limited background screening information (post-offer) - Contact and employment-related details We do not collect biometric identifiers. D. Information Collected Automatically When you use our websites or Services, we may collect: - Device and usage data (browser type, operating system, pages viewed, session activity) - Log and security data (IP address, access times, authentication events) - Online identifiers and tracking data collected through cookies, pixels, and similar technologies - Approximate location information derived from IP address or network signals We do not intentionally collect precise real-time geolocation information (such as GPS coordinates). Any location-related information is derived from network signals, device settings, or transactional context rather than real-time location tracking. E. Information from Third Parties We may receive information from: - Credit reporting agencies (for underwriting) - Service providers and technology platforms - Program partners and payment processors - Marketing and analytics providers 3. HOW WE USE PERSONAL INFORMATION We use personal information to: A. Provide and Operate Services - Administer leasing programs and accounts - Manage Authorized User access - Provide customer support and communications B. Underwriting and Financial Risk Management - Evaluate applications - Obtain and review credit reports - Assess eligibility, pricing, and risk - Manage lease performance and payment obligations C. Business Operations and Improvement - Analyze usage and performance - Improve services and functionality - Conduct internal reporting and planning D. Security and Fraud Prevention - Detect and prevent fraud or misuse - Maintain system integrity and reliability E. Legal and Compliance - Comply with legal obligations - Enforce agreements and protect rights F. Marketing and Communications - Provide information about services - Measure marketing effectiveness - Administer advertising and outreach campaigns Personal information collected for underwriting (including credit reports, SSNs, and financial documents) is not used for advertising or marketing purposes. 4. ANALYTICS AND TRACKING We use cookies, pixels, and similar technologies to understand how the Services and our websites are used, improve performance, and support marketing efforts. These tools may include analytics platforms (e.g., website traffic and usage analysis), advertising and retargeting technologies such as Meta Pixel and LinkedIn Ads, and conversion tracking and marketing measurement tools. These technologies may collect online identifiers, device and browser information, and interaction and navigation data, and some analytics and measurement tools may enable third parties to collect information across different websites or online services over time. Where applicable, such activity may be considered "sharing" under certain U.S. state privacy laws. HTL does not sell personal information. 5. HOW WE DISCLOSE PERSONAL INFORMATION We may disclose personal information as follows: A. Business Customers Our Business Customers may access information relating to their Authorized Users and program activity. Business Customers control Authorized User accounts and permissions and may manage or request changes to certain information. HTL is not responsible for how Business Customers use information about their Authorized Users, which is governed by the Business Customer's own policies and applicable law. B. Service Providers We disclose information to vendors that support our operations, including: - Cloud storage and infrastructure - CRM and document management systems - Payment processors - Analytics, advertising, and marketing providers - IT, security, and communications tools These providers are contractually required to safeguard information and use it only for authorized purposes. C. Program Partners and Affiliates We disclose information to program partners as necessary to administer the program, provide reporting, and support business customers. We may also share personal information with affiliated entities under common ownership or control for purposes consistent with this Privacy Policy, including operational support, underwriting, servicing, internal business functions, and, where applicable, for marketing and promotional purposes. D. Credit and Financial Partners We may share information with credit reporting agencies, underwriting partners, payment servicers, and financial service providers, as necessary to evaluate applications and administer leases. E. Legal and Compliance We may disclose information to comply with law or legal process, protect rights and safety, investigate or prevent misconduct, or respond to regulatory or contractual requirements. F. Business Transfers If HTL is involved in a merger, acquisition, financing, reorganization, or sale of assets, personal information may be disclosed in connection with that transaction, subject to appropriate protections. G. Mobile Information and SMS Consent Notwithstanding anything to the contrary in this Privacy Policy, mobile phone numbers, SMS opt-in data, and consent related to text messaging will not be shared with third parties or affiliates for their marketing or promotional purposes. This information will be used solely for providing SMS communications from Hello Truck Lease and for no other purpose. 6. COOKIES AND SIMILAR TECHNOLOGIES We may use cookies and similar technologies such as pixels, tags, SDKs, and session-based tools to support functionality, authentication, security, analytics, performance measurement, and website optimization. These technologies help us understand how the Services and our websites are used, maintain reliability, and improve user experience. We also use certain tools provided by third-party analytics, advertising, and measurement providers to evaluate website performance and the effectiveness of our marketing efforts. These tools may collect information about interactions with our websites or Services, including online identifiers, device information, browsing activity, and usage data. In some cases, these technologies may enable the collection of information across different websites or over time for purposes such as analytics, measurement, and advertising. You can manage cookies through browser settings; depending on applicable law, you may also have the right to opt out of certain cookies or similar technologies that involve cross-context data sharing. Disabling certain cookies may affect functionality. 7. DATA SECURITY We maintain administrative, technical, and physical safeguards designed to protect personal information, including access controls, encryption where appropriate, monitoring, and incident response procedures. No system is completely secure, and we cannot guarantee absolute security. 8. DATA RETENTION We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to provide Services, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on the nature of the information and applicable legal requirements. 9. CHILDREN'S PRIVACY The Services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe we have collected information from a minor, contact us at the address below. 10. THIRD-PARTY LINKS Our websites may contain links to third-party websites. HTL is not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any third-party sites you visit. 11. CHANGES TO THIS POLICY We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page. Continued use of the Services following any update constitutes acceptance of the revised Privacy Policy. 12. CONTACT US If you have questions about this Privacy Policy or our privacy practices, please contact us at: Hello Truck Lease 5511 Virginia Way, Suite 400 Brentwood, TN 37027 Email: info@hellotrucklease.com Phone: (615) 419-2013 13. U.S. STATE PRIVACY RIGHTS Depending on where you reside, you may have rights under applicable U.S. state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), and similar laws in other states. These rights may include: - The right to know what personal information we collect, use, disclose, or sell - The right to delete personal information we hold about you, subject to certain exceptions - The right to correct inaccurate personal information - The right to opt out of the sale or sharing of personal information - The right to limit the use of sensitive personal information - The right to non-discrimination for exercising privacy rights - The right to appeal a denial of your request To submit a privacy rights request, contact us at info@hellotrucklease.com or at the address above. We will respond within the timeframe required by applicable law. We may need to verify your identity before processing certain requests. California Residents — "Shine the Light": California Civil Code Section 1798.83 permits California residents to request information about disclosure of personal information to third parties for direct marketing purposes. HTL does not disclose personal information to third parties for their direct marketing purposes. 14. SMS / TEXT MESSAGING TERMS If you provide your mobile phone number and consent to receive text messages from Hello Truck Lease, the following terms apply: Program Description: Hello Truck Lease may send SMS/MMS messages to provide information about our services, respond to inquiries, send account-related updates, and provide other business-related communications you have requested or consented to receive. Consent: By providing your phone number and agreeing to receive text messages, you consent to receive SMS/MMS messages from Hello Truck Lease. Consent is not a condition of any purchase or service. Message Frequency: Message frequency varies based on your interactions and preferences. Message and Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan. Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message. After opting out, you will receive a one-time confirmation message. No further messages will be sent unless you re-opt in. Help: Reply HELP for assistance or contact us at info@hellotrucklease.com. No Third-Party Sharing: Mobile phone numbers and SMS consent data will not be shared with third parties or affiliates for their marketing or promotional purposes. Supported Carriers: Compatible with most major U.S. carriers. Carrier support is not guaranteed for all carriers. MMS: Where supported, we may send image or multimedia messages.