1. Introduction

Lonestar Finance Group ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By accessing or using our services, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access or use our services.

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Complete a finance application
• Contact us via email or phone
• Subscribe to our communications
• Fill out forms on our website

This information may include:

• Name and contact information (email, phone, address)
• Social Security Number or Tax ID
• Date of birth
• Employment information and income
• Banking and financial information
• Driver's license information
• Credit history and references

Automatically Collected Information

When you visit our website, we may automatically collect certain information about your device and browsing actions, including:

• IP address and browser type
• Operating system and device information
• Pages viewed and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Process Finance Applications: To evaluate your creditworthiness and process financing requests
• Communicate with You: To respond to inquiries, provide customer support, and send important updates
• Improve Our Services: To analyze usage patterns and enhance user experience
• Comply with Legal Obligations: To meet regulatory requirements and prevent fraud
• Marketing: To send promotional materials (you may opt-out at any time)
• Business Operations: To maintain records and conduct business analytics

4. How We Share Your Information

We may share your information with third parties in the following circumstances:

Lenders and Financial Partners

We share your application information with our network of approved lenders to facilitate financing approvals.

Service Providers

We may share information with third-party vendors who perform services on our behalf, including:

• Credit reporting agencies
• Payment processors
• Technology and hosting providers
• Communication service providers

Dealer Partners

We share application information with the trailer dealership where you are purchasing a vehicle.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or to protect our rights and property.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data (SSL/TLS)
• Secure servers and firewalls
• Access controls and authentication
• Regular security audits and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Request your data in a structured, machine-readable format
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at [email protected] or call (254) 870-5500.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. Cookies are small data files stored on your device that help us:

• Remember your preferences
• Analyze website traffic and usage patterns
• Provide personalized content
• Improve website functionality

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have collected information from a child under 18, we will delete it promptly.

10. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, and shared
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

Note: Lonestar Finance Group does not sell personal information.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

1. Acceptance of Terms

Welcome to Lonestar Finance Group. By accessing or using our website, services, or finance application platform (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use our Services.

These Terms constitute a legally binding agreement between you and Lonestar Finance Group ("Company," "we," "us," or "our").

2. Services Description

Lonestar Finance Group provides virtual finance department services to trailer dealerships, including:

• Finance application processing and submission
• Multi-lender network access and coordination
• Finance product presentation and sales
• Document management and funding coordination
• Dealer support and training

We act as an intermediary between dealerships, customers, and lending institutions. We do not provide direct financing and are not a lender.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Be a resident of the United States
• Not be prohibited from using our Services under applicable law

By using our Services, you represent and warrant that you meet these eligibility requirements.

4. Finance Applications

Application Submission

When you submit a finance application through our platform, you:

• Authorize us to obtain your credit report from one or more credit bureaus
• Consent to us sharing your information with our network of lenders
• Acknowledge that submission does not guarantee approval
• Understand that multiple lenders may review your application

Accuracy of Information

You agree to provide truthful, accurate, and complete information in your application. Providing false or misleading information may result in:

• Denial of financing
• Cancellation of approved financing
• Legal action for fraud
• Termination of Services

Credit Inquiries

Submitting a finance application will result in credit inquiries that may affect your credit score. We employ a strategic lender approach to minimize unnecessary inquiries.

5. Dealer Relationships

Our Services are provided primarily to trailer dealerships. Dealers who partner with us agree to:

• Provide accurate customer and inventory information
• Comply with all applicable federal and state regulations
• Maintain appropriate licensing and insurance
• Honor the terms of financing approvals
• Pay agreed-upon fees and revenue-sharing arrangements

6. Fees and Payment

Customer Fees

Customers do not pay fees directly to Lonestar Finance Group. All financing terms, rates, and fees are determined by the approving lender.

Dealer Fees

Dealer partners pay for our Services through a revenue-sharing arrangement based on backend finance product sales. Specific terms are outlined in individual dealer agreements.

Third-Party Fees

You may be responsible for fees charged by lenders, insurance providers, or other third parties involved in your financing transaction.

7. Intellectual Property

All content, trademarks, logos, and materials on our website and platform are owned by or licensed to Lonestar Finance Group. You may not:

• Copy, reproduce, or distribute our content without permission
• Use our trademarks or branding without authorization
• Modify or create derivative works from our materials
• Reverse engineer or extract source code from our platform

8. User Conduct

You agree not to:

• Use our Services for any unlawful purpose
• Submit fraudulent or misleading information
• Attempt to gain unauthorized access to our systems
• Interfere with the operation of our Services
• Transmit viruses, malware, or harmful code
• Harass, abuse, or harm other users or our staff
• Scrape, mine, or extract data from our platform

9. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to our data practices as described in the Privacy Policy.

10. Disclaimers and Limitations of Liability

No Guarantee of Approval

We do not guarantee that any finance application will be approved. Approval decisions are made solely by lending institutions based on their own criteria.

Service "As Is"

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the fullest extent permitted by law, Lonestar Finance Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Lost profits or revenue
• Lost data or business opportunities
• Credit score impacts
• Delays or errors in application processing
• Actions or omissions of third-party lenders

Our total liability shall not exceed $500 or the amount of fees paid to us, whichever is less.

11. Indemnification

You agree to indemnify, defend, and hold harmless Lonestar Finance Group, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including attorney fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your provision of false or misleading information

12. Third-Party Links and Services

Our website may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of these external sites. Your use of third-party services is at your own risk and subject to their terms and conditions.

13. Termination

We reserve the right to terminate or suspend your access to our Services at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Behavior that harms our business or reputation
• Any other reason at our sole discretion

Upon termination, your right to use our Services will immediately cease.

14. Dispute Resolution and Arbitration

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Arbitration Agreement

Any dispute arising from these Terms or our Services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify. The arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

Class Action Waiver

You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action, consolidated action, or representative action.

15. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website with a new "Last Updated" date. Your continued use of our Services after changes are posted constitutes acceptance of the modified Terms.

We encourage you to review these Terms periodically to stay informed of any updates.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements, constitute the entire agreement between you and Lonestar Finance Group regarding the use of our Services.

18. Contact Information

If you have questions or concerns about these Terms, please contact us:

1. SMS Program Overview

Lonestar Finance Group ("we," "us," or "our") offers SMS text messaging services to provide updates, notifications, and communications related to your finance application and our services (the "SMS Program").

By opting in to receive SMS messages from us, you agree to these SMS Terms of Service and our Privacy Policy.

2. Consent to Receive SMS Messages

By providing your mobile phone number and opting in to our SMS Program, you expressly consent to receive text messages from Lonestar Finance Group at the number provided. This consent includes:

• Application status updates and notifications
• Appointment reminders and confirmations
• Document requests and submission confirmations
• Important account alerts and updates
• Promotional messages and offers (if you opt in)
• Customer service communications

Consent is not a condition of purchase. You can still use our services if you choose not to receive SMS messages.

3. Types of Messages

Transactional Messages

These messages provide information directly related to your finance application or account:

• Application received confirmations
• Status updates (approved, pending, additional info needed)
• Document upload requests
• Funding notifications
• Important deadline reminders

Marketing Messages (Optional)

If you opt in, you may receive promotional messages about:

• Special financing offers
• New protection products
• Service updates and features
• Educational content and tips

You can opt out of marketing messages at any time while continuing to receive transactional messages.

4. Message Frequency

Message frequency varies based on your application status and account activity:

• During Application: Expect 2-8 messages per week
• After Approval: 1-3 messages until funding is complete
• Marketing Messages: Up to 4 messages per month (if opted in)

You may receive more frequent messages during critical application stages or if urgent action is required.

5. Message and Data Rates

Message and data rates may apply. Standard text messaging charges from your mobile carrier will apply to all messages sent and received. We do not charge for SMS messages, but your carrier may.

The number of messages you receive will vary based on your account activity. Check with your mobile carrier for details on your messaging plan and associated charges.

6. Supported Carriers

Our SMS Program is supported by all major U.S. mobile carriers, including but not limited to:

• AT&T
• T-Mobile
• Verizon
• Sprint
• Boost Mobile
• Cricket Wireless
• MetroPCS
• U.S. Cellular
• Virgin Mobile

Carriers are not liable for delayed or undelivered messages. Service availability may vary by carrier.

7. How to Opt Out

You can stop receiving SMS messages from us at any time by using any of the following methods:

Text STOP

Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any message you receive from us. You will receive a confirmation message that you have been unsubscribed.

Contact Us

Email us at [email protected] or call (254) 870-5500 and request to be removed from SMS communications.

After Opting Out

Once you opt out, you will no longer receive SMS messages from us, except for:

• A one-time confirmation that you've been unsubscribed
• Messages required by law or regulation

Important: Opting out may affect your ability to receive time-sensitive application updates. We recommend maintaining email communication if you opt out of SMS.

8. How to Get Help

For help with SMS messages, you can:

• Reply HELP or INFO to any message
• Email us at [email protected]
• Call us at (254) 870-5500

Our customer support team is available Monday-Friday, 9:00 AM - 6:00 PM CST.

9. Privacy and Data Security

We respect your privacy and protect your personal information. When you opt in to SMS:

• Your mobile number is stored securely and encrypted
• We do not sell or rent your mobile number to third parties
• We may share your number with our service providers who help deliver SMS messages
• Message content is transmitted securely

For complete details on how we handle your information, please review our Privacy Policy.

10. User Responsibilities

By participating in our SMS Program, you agree to:

• Provide a valid mobile phone number that you own and control
• Update your phone number if it changes
• Ensure your device can receive SMS messages
• Maintain sufficient service plan to receive messages
• Not share time-sensitive codes or links with others
• Use the SMS Program only for lawful purposes

Important: If you change your phone number, you must notify us immediately to update your contact information and prevent unauthorized access to your account information.

11. Message Delivery and Limitations

While we strive to deliver all messages promptly, we cannot guarantee:

• Message delivery timing or reliability
• That all carriers will support the service
• Delivery during network outages or technical issues
• Receipt if your device is turned off or out of service area

We are not responsible for delays or failures in message delivery due to carrier issues, network problems, or device limitations.

12. Automated Messages

Some messages may be sent automatically based on triggers such as:

• Application submission
• Status changes
• Document uploads
• Scheduled reminders

You may interact with automated messages by responding with keywords like STOP, HELP, or other prompted responses.

13. Age Requirement

You must be at least 18 years old to participate in our SMS Program. By opting in, you confirm that you meet this age requirement.

14. Modifications to SMS Program

We reserve the right to modify or discontinue our SMS Program at any time, with or without notice. Changes may include:

• Message frequency or content
• Supported carriers or features
• These SMS Terms of Service

Material changes to these terms will be communicated via SMS or email. Your continued participation after changes are posted constitutes acceptance of the modified terms.

15. Disclaimer of Warranties

The SMS Program is provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Compatibility with all devices
• That messages will be delivered on time or at all
• The accuracy or completeness of message content

16. Limitation of Liability

Lonestar Finance Group shall not be liable for any damages arising from:

• Delayed, failed, or undelivered messages
• Unauthorized access to messages
• Carrier charges or fees
• Technical issues or service interruptions
• Reliance on message content

You assume all risks associated with receiving SMS messages.

17. Governing Law

These SMS Terms of Service are governed by the laws of the State of Texas and the Telephone Consumer Protection Act (TCPA) and related federal regulations.

18. Relationship to Other Terms

These SMS Terms are part of and incorporated into our Terms & Conditions. In the event of a conflict, these SMS-specific terms shall prevail for matters related to text messaging.

19. Contact Information

For questions, support, or to opt out of SMS communications:

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