Online Privacy Policy

Last Revised August 8, 2025 

Triad Financial Services, Inc (“Company” or “We”) respects your privacy, and we recognize the importance of keeping your information secure.  Below, you will find details about our privacy policy and how your information is used.   

This policy describes the types of information we may collect from you or that you may provide when you visit triadfs.com (our “Website” or “Site”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.   

We may provide links to websites that are owned or operated by other companies ("third-party websites").  When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.  

 General Policy Provisions 

By using our Site, you hereby consent to our Online Privacy Policy and agree to its terms.  If you do not agree to the terms contained in this Online Privacy Policy, you must exit the Site immediately.   

The policies and practice described in this disclosure are subject to change.  Should we update, amend, or make changes to our Online Privacy Policy, those changes will be posted here.  

Information We Collect and how We Collect 

This policy applies to information we collect: 

• Directly from you with your consent: We may collect information directly from you when you fill out a form on our Site, subscribe to any newsletters or blogs we may offer, apply for a loan or submit information for a prequalification online, or make a payment through our Site.  The information we collect includes: (a) personally identifiable information such as your name, social security number or other personal identifiers; (b) contact information including landline and mobile or cellular telephone numbers, email and street or mailing address; (c) personal characteristics such as your age and gender; (d) financial information, including your income and debts; (e) information about your education and work history; and (f) payment information such as your bank account and credit or debit card numbers. 
• Indirectly through the Site: We may collect several types of information from and about users of our Site, including information by which you may be personally identified; information that is about you, but that does not individually identify you (through, for examples, pixels); and information about your internet connection, the equipment you use to access our Site, and usage details. We may collect this information directly from you when you provide it to us. We may also collect this information automatically as you navigate through our Site. The information that is automatically collected may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies. 

As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including: 

• Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Site. 
• Information about your computer and internet connection, including your IP address, operating system, and browser type. 

The information we collect automatically may include statistical data and include personal information, and we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Site and to deliver a better and more personalized service, including by enabling us to: 

• Estimate our audience size and usage patterns. 
• Store information about your preferences, allowing us to customize our Site according to your individual interests. 

• Speed up your searches. 

• Recognize you when you return to our Site. 

The technologies we use for this automatic data collection may include: 

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer or mobile device. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site.  
• Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information. 

• Web Beacons. Pages of our Site may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related Site statistics (for example, recording the popularity of certain Site content and verifying system and server integrity). 

• California "Do Not Track" Disclosures: While some Internet browsers have the ability to specify privacy preferences to websites, including requests not to track your usage and browsing history, Triad Financial Services, Inc. websites do not currently respond to these signals and may continue track your activity on this website and use gathered information as provided in this policy. 

We may also collect information about you from our service providers that assist us in providing financial products or services you request from us. These service providers include credit reporting agencies or bureaus, income, employment and other verification services, appraisers, payment processor(s), technology platforms and service providers, and business consultants. 

How We Use and Disclose the Information We Collect 

We primarily use and disclose the information you supply directly to us to provide you with the content and/or financial product or service you have requested. We may also use and disclose your information to communicate with you about new features, products, or services, and/or to improve the services that we offer by tailoring them to your needs. 

We may use the information gathered indirectly through use of the Site to analyze trends, administer the site, track users’ movement around the site, and gather demographic information. 

We may also use and disclose your information in any one or more of the following ways: 

• To assist you in locating other companies capable of delivering products, services or information in which you may have an interest. 
• To provide, support, personalize and develop our Site and our products and services. 

• With service providers for a business purpose, such as verifying your eligibility for loan products.  Any such service provider will be under an obligation to us to maintain the confidentiality of your information.  

• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred 

• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including servicing and collecting on your account. 

• For testing, research, analysis and product development. 

• As necessary or appropriate to protect the rights, property or safety of us or others. 

• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. 

• To respond to audits or state or federal examinations by our regulators. 

• To any other person or entity where you consent to disclose. 

Security 

We use encryption software to transport and secure your information. Because no data transmission is completely secure, and no system of physical or electronic security is impenetrable, however, we cannot guarantee the security of the information you send to us or the security of our servers, networks or databases. By using the Site, you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit and/or use the Site and we are not responsible for any loss of such information or the consequences thereof. 

Children’s Online Privacy Protection Act (COPPA) 

This Site is intended for individuals age 18 and older. Children under than age of 13 should not use this Site and are expressly prohibited from using our services. 

SMS Text Messaging Policy 

When you provide us with a mobile telephone number, you agree to allow us to call and send SMS messages to you on that number about your application and/or account, including through the use of an automated telephone dialing system. We will not share your opt-in to an SMS campaign with any third party or affiliates for purposes unrelated to providing you with the services of that campaign. We will not share  your mobile number or any SMS-collected information with third parties or affiliates for marketing or promotional purposes.  We may share your personal data, including your SMS opt-in or consent status, with third parties that support our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.