This Privacy Policy describes the ways Big Rig Lending, LLC (“Big Rig”, we, us) collects, stores, uses and protects information we receive about your business and the authorized representative of the business for your organization, when you visit www.bigriglending.com or interact with Big Rig. Big Rig may amend this Privacy Policy from time to time by posting a revised version on our website. By interacting with Big Rig, including visiting www.bigriglending.com, you are accepting the practices described in this Privacy Policy.
Information Collected
Big Rig collects two types of information: personal information that you as users knowingly disclose to Big Rig and website-use information automatically generated by users as they interact with the site.
Personal Information
As part of the application process, Big Rig will collect information relating to your business and you personally as an authorized representative of the business for your business, in order to determine whether your business qualifies for credit. In addition, Big Rig collects two types of information from your business and you personally as an authorized representative of the business for your business. Information is collected directly as provided by your business through you as an authorized representative of the business, or provided on or through its website:
Information that you provide to Big Rig (either directly or through access to third party websites where your information is stored) and
Website-use information automatically generated as you navigate the website.
Customer Information
Big Rig and its agents and representatives collect information about your business and authorized representative of the business personal information about you from various sources (including, without limitation, from credit reporting agencies, creditors, and businesses and financial institutions with which you have had a financial relationship). Personal information includes, without limitation:
Your name, address, email address, Internet Protocol address, telephone number, date of birth, and other contact information as an authorized representative of the business for your business
Your business name, address, tax id number, business inception date, business bank statements (and data about your banking transactions), telephone number and address
Financial information, such as your bank name and your bank account number, personal and business credit bureau reports, payment behavior, and other reports concerning your credit history and experience
Other financial or personal information about you, such as your percent ownership in the business, your liabilities, and your financial condition
Your social security number
Your identity through an acceptable form of government issued identification
We may collect data through a third party site inspection vendor, or social media sites or services
Information about any previous loan applications you may have previously applied for (directly or on your behalf), and any previous Big Rig loan payment history
Such other information we may collect with your consent or as permitted or required by applicable law
Personal information about you given to us by others and personal information about others provided by you.
Big Rig may obtain information about our business borrowers and their authorized representative of the business from affiliates, identity verification services, or credit bureaus.
The USA Patriot Act
The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
Your cooperation is needed when your business opens a new account or requests a loan. You may be asked more questions to establish and confirm your business’s identity and your identity as an authorized representative of the business for your business. It may also be required for your business and you as an authorized representative of the business to provide one or more of the following types of identification:
Incorporation information, licensing information, permit information, or other evidence of registration of your business with local, state, and federal governmental bodies
Driver’s license
Passport & Country of Issuance
U.S. taxpayer identification number
Alien ID card
Any other government issued document evidencing nationality or residence
Website – Use information
Technologies such as: Cookies, beacons, tags and scripts are used by Big Rig and our partners (marketing partners, etc.), affiliates, or analytics or service providers (payment processors, etc.). These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies as an individual as well as aggregated basis.
We use cookies to remember users’ settings and for authentication. Users can control the use of cookies at the individual browsers level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
Security of Customer Information
Big Rig stores and processes customer information using data servers and third party servers located in data centers in the United States. Information about our business customers and their authorized representative of the business will be protected by commercially reasonable physical, electronic and procedural safeguards in compliance with applicable regulations. Big Rig authorizes access to customer information only for those employees who require it to fulfill their job responsibilities.
Use of Information
Big Rig’s primary purpose in collecting information about businesses seeking credit, along you, our business’s authorized representative of the business, is to allow customers to take full advantage of our products and services. Big Rig uses the information about the business and the authorized representative of the business to
Provide services and support
Process transactions and send notifications regarding general operation of the service
Resolve disputes, collect fees and troubleshoot problems
Prevent potentially prohibited or illegal activities
Enforce our loan agreement
Customize, measure and improve our services
Update the content and layout of our website
Compare information for accuracy and verify it with third parties.
Sharing of Information with Third Parties
Big Rig takes your privacy seriously, and will use information about your business and you as the authorized representative of the business, as described in this Privacy Policy and as otherwise allowed under applicable law. We may share information about the business and its authorized representative of the business, with our affiliates and business partners as well as third-party service providers.
In addition, Personal information about your business or you as the authorized representative of the business, may be used by Big Rig and disclosed to third parties in connection with certain business transactions, including, without limitation, in connection with a proposed or actual financing of Big Rig or a sale, assignment or other disposal of all or part of our business or assets. In that case, personal information may be disclosed to third parties for the purpose of, among others, evaluating and consummating the proposed transaction, or fulfilling reporting, due diligence, inspection or audit requirements or obligations to those parties. Assignees or successors of Big Rig or any part of our business or assets may use and disclose your personal information or similar purposes as those described in this Privacy Policy. You will be notified via a notice on our website of any change in ownership, uses of your personal information, and choices you may have regarding your personal information.
Big Rig may share personal information with law enforcement, a state insurance authority, the Federal Trade Commission, self-regulatory organizations, or for an investigation on a manner related to public safety, to comply with federal, state, or local laws, rules, or other applicable legal requirements; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by federal, state, or local authorities; to respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, to report suspected illegal activity, to investigate any breach of our loan agreement or other agreement with Big Rig, or other purposes as authorized by law.
Big Rig will only share information about a business and your personal information as the business’s authorized representative of the business with third parties as described in this Privacy Policy. Big Rig will not share information with other customers or their authorized representative of the business, without permission or other lawful authority to do so.
Your Consent
You consent to the collection, use and disclosure of information about the business, and personal information about you as the business’s authorized representative of the business, in various ways. Your consent can be express (e.g., orally, electronically or on a form you may sign describing the intended uses and disclosures of such information, including personal information) or implied (e.g. when you provide information necessary for a service or transaction you have requested for your business). In certain circumstances, you may provide your consent where notice has been provided to you regarding our intended use of your business’s information or your personal information as authorized representative of the business, and you have not withdrawn your consent for the intended use (e.g., when you do not elect an “opt-out” option). Consent may also be given by an authorized representative of the business or of you personally, such as another officer of the business with lawful authority, or your legal guardian or a person having power of attorney.
Generally, by providing us with information about the business and providing your personal information as an authorized representative of the business, we will assume that you consent to our collection, use and disclosure of all such information for the purposes identified or described in this Privacy Policy, if applicable, or otherwise at the time of collection.
We collect, use and disclose information about your business and your personal information as an authorized representative of the business, with your consent, except as permitted or required by applicable law. We may be required or permitted under certain statutes or regulations to collect, use or disclose information provided about your business or your personal information as an authorized representative of the business without your consent, including, without limitation, to comply with a court order, local or federal regulations or a legally permitted inquiry by a government or law enforcement agency, or to collect a debt owed to use, our agents, representatives and service providers, or other registered user.
Links to Third Party Websites
Our website includes links to other websites whose privacy practices may differ from those of Big Rig. If you submit personal information to any of those websites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.
Opting Out or Editing Customer Information
To opt out of email correspondence from Big Rig or make a change to (or delete) the information Big Rig has on file for your business (including your personal information as an authorized representative of the business), please contact us at mfraebel@bigriglending.com or 1-844-6BIGRIG (1-844-624-4744). You may write to us at Big Rig Lending, 220 S. Hamilton Street, Dalton, GA 30720. We will respond to your request within 30 days. Some customer information must be retained for regulatory reasons.
Data Retention
We will retain your information for as long as your business’s account is active or as needed to provide services to your business, if you wish to cancel your account or request that we no longer use your business’s information (including your personal information as authorized representative of the business) to provide services you may contact us at mfraebel@bigriglending.com. We will retain and use such information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements or for other business purposes.
Identity Theft
If you think your business’s or your personal identity has been stolen, contact all three credit-reporting agencies listed below to put a fraud alert on your credit report:
TransUnion
TransUnion (www.transunion.com)Phone: 1-800-680-7289
Email: fvad@transunion.com
Mail: TransUnion P.O. Box 6790 Fullerton, CA 92834
Equifax
Equifax (www.equifax.com)Phone: 1-888-766-0008
Email: fraudalerts.equifax.com
Mail: Equifax Credit Information Services, Inc. P.O. Box 740241 Atlanta, GA 30374
Experian
Experian (www.experian.com)Phone: 1-888-397-3742
Changes to Privacy Policy and Contacting us Regarding Privacy Policy
If Big Rig modifies this Privacy Policy, we will update it on our website and post the new effective date. If we make any material changes we will notify you by email (sent to the email address specified in your account) before the change becoming effective. Any questions or concerns should be addressed to: mfraebel@bigriglending.com or Big Rig Lending, 220 S. Hamilton Street, Dalton, GA 30720.
For customer service inquiries please call: 1-844-6BIGRIG (1-844-624-4744)
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