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Privacy Policy

Effective Date: 10/1/2025

This privacy policy applies to https://www.westernfin.com owned and operated by Western Financial. This privacy policy describes how Western Financial collects and uses the personal information you provide on our web site  https://www.westernfin.com and our mobile website.  It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

Western Financial is committed to protecting the confidential information you entrust to us. We carefully manage that information to provide you with high quality business financial products and services, and we never sell or share your information with non-affiliated outside parties other than what is stated in this privacy policy. Confidential information can include data you provide us on forms, data collected from third party credit reporting agencies, or data provided by references.

Protecting Your Confidential Information

We take seriously our obligation to safeguard your confidential information. Information is accessible only to employees who use it in order to provide products or services to you and your company. A Code of Conduct, set forth in our Employee Manual and other related documents dictates our expectations for professionalism and integrity and binds all of our employees. We also maintain physical, electronic, and procedural safeguards to ensure the confidentiality of your information. We monitor new technology and upgrade our systems as needed to best protect your information. When you enter sensitive information (such as a Social Security number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). No method of transmission over the Internet, or method of electronic storage, is 100% secure, however.  Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at (800) 385-5290.

Protecting Disclosure of Information to Non-Affiliated Third Parties

We never sell confidential information to others. We may share information with other companies hired to provide services for us such as ordering credit bureaus, sending emails, and processing credit card payments. These companies – our vendors – are contractually bound to use personal information we share with them only to perform the services we have hired them to provide. We do not share, sell, or lease personal information about you to any third parties for their marketing use. We will release information about you if you direct us to do so, if we are required by law to do so, or in other legally limited circumstances (for example, to protect your account from fraud).

Collecting Information

We may gather confidential information from the following sources: information you provide on applications and through other forms, such as your name, address, Social Security Number, ACH bank information, credit card information, information from a credit reporting agency such as creditworthiness and credit history to help us with customer authentication, payment processing and credit-related decisions, or data from your use of our website. When you visit our mobile website, we automatically collect information on the type of device you use, operating system version, and the device identifier (or “UDID”).

Using Confidential Information to Serve You

In general, you can visit this website without telling us who you are or revealing any information about yourself. Our web servers collect the domain names, not the email addresses, of visitors. Our web servers also seek (as many websites do) to place a “cookie” (a small data file) on your computer’s hard drive which allows the server to determine the computer when it visits again, in order to track statistical information about navigation through our site. This cookie is not used to obtain your name or any personal data, and the information that is tracked is used only for internal purposes, such as to improve site navigation. However, if you prefer not to accept cookies, you can set your browser to reject them or to alert you before one is placed. We generally let you know at the time of collection how we will use the personal information. Usually, we use the personal information you provide only to respond to your inquiry or to process your request. We gather and use confidential information in the course of providing you with financial products and services.

Other Tracking Technologies

As is true of most websites, we gather certain information automatically and store it in log files.  This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do link this automatically collected data to other information we collect about you.

Technologies such as cookies, beacons, tags, and scripts are used by Western Financial and our partners, affiliates, or analytics or service providers. 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 on an individual as well as aggregated basis.

We also use mobile analytics software to allow us to better understand the functionality of our mobile website on your phone. This software may record information such as how often you use the site, the events that occur within the site, aggregated usage, performance data, and where the mobile site was accessed from. We do not link the information we store within the analytics software to any personal information you submit within the mobile site.

We utilize third parties, including Google, Inc., to either display advertising on our website or to manage our advertising on other sites. These third parties may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. This is commonly referred to as “remarketing” or “similar audience” marketing.  You can opt-out of Google’s use of cookies by visiting Google’s Ads Settings.  You can opt-out of other third-parties’ use of cookies by visiting the Network Advertising Initiative’s opt-out page.

Disclosing Information as Permitted by Law

We may also disclose confidential information with your consent or as otherwise permitted by law and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request. For example, this may include disclosure to a credit-reporting agency or in response to a subpoena or other legal process. It may also include disclosure to protect against fraud, as part of an audit or examination. We do not share confidential information about former customers, except as permitted by law.

If Western Financial is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your confidential information, as well as any choices you may have regarding your confidential information.

User Access and Choice

If your information changes, or if you no longer desire our service, you may correct, update, amend, delete, or deactivate it by making the change on your account or by calling our Customer Support at (800) 385-5290. We will respond to your request to access within 30 days.

We will retain your information for as long as your account is active or as needed to provide you services.  We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you.  Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page, or you can contact us at (800) 385-5290.

Links to 3rd Party Sites

Our site includes links to other web sites whose privacy practices may differ from those of Western Financial. If you submit information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any web site you visit.

Minimum Browser Requirements

www.westernfin.com supports the Chrome, Firefox, Safari, Edge, and Opera internet browsers. Current versions of these browsers as well as the previous 2 versions will be supported by www.westernfin.com, and is the minimum internet browser necessary to properly view and use the Western Financial website.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements.  With your consent we may post your testimonial along with your name.  If you wish to update or delete your testimonial, you can contact us at (800) 385-5290.

Social Media Widgets

Our website includes social media features, such as the Facebook, X, YouTube, LinkedIn, and Share This widgets, or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our site. Your interactions with these features are governed by the privacy policy of the company providing it.

Changes to This Policy

Please check this privacy policy periodically to inform you of any changes. Although we reserve the right to modify or supplement this privacy policy, we will provide notice to you on this website of any major changes for at least 30 days following the change. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.  If you have any questions, please contact us at:

Western Financial
2025 Guadalupe Street, Suite 260
Austin, TX 78705
Ph: 800-385-5290

California Privacy Notice (CCPA/CPRA)

This California Privacy Notice supplements the information in our main Privacy Policy and applies solely to California residents (“consumers”). It describes our practices and your rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA).

Financial-privacy carve-out. Certain personal information we collect and process in connection with offering or servicing financial products may be subject to the federal Gramm-Leach-Bliley Act (GLBA) and/or the California Financial Information Privacy Act. Where information is collected, processed, sold, or disclosed pursuant to those laws, the CCPA/CPRA rights described below do not apply to that information. We continue to protect it as required by applicable financial-privacy laws.

Notice at Collection

Categories of Personal Information we collect may include:

  • Identifiers (e.g., name, postal address, email, phone, IP address, online identifiers).
  • Customer records (e.g., signature, employment information, SSN, driver’s license or other government ID, date of birth) where needed for financing or identity verification.
  • Commercial information (e.g., applications, quotes, transaction history).
  • Internet/Network activity (e.g., browsing or interaction with our sites, cookie/device data).
  • Geolocation data (coarse location from IP).
  • Professional/Employment information (e.g., business name, role, years in business).
  • Inferences drawn from the above (e.g., lead scoring).
  • Sensitive Personal Information (defined below) when required for financing, fraud prevention, or compliance.

Sources. We collect personal information directly from you, from your devices (cookies/SDKs), from service providers (e.g., identity verification, credit bureaus, analytics), and from public or commercial sources (e.g., business registries, marketing partners).

Purposes of use. We use personal information to:

  • Provide and service financing and related services; process applications; authenticate identity; detect/prevent fraud; perform underwriting and servicing; communicate with you; operate our websites/apps; personalize content; measure and improve marketing/advertising; comply with law; and protect our rights and users.

Disclosure. We disclose personal information to: service providers/contractors (e.g., hosting, analytics, fraud/ID verification, payment, customer support, marketing), financial institutions and dealers/vendors involved in your transaction, credit bureaus, and as legally required.

Selling/Sharing. We do not “sell” personal information for monetary or other valuable consideration. We do “share” personal information for the purpose of obtaining and servicing customer financing and for cross-context behavioral advertising (online targeted ads). See Your Right to Opt-Out of Sale/Sharing below.

Sensitive Personal Information (SPI)

What we consider “Sensitive” (as defined by CPRA) may include SSN, driver’s license/state ID, financial account details, precise geolocation, login credentials, racial or ethnic origin, union membership, mail/email content, genetic/biometric data.

Our use of SPI. We use SPI only as necessary to provide requested services (e.g., financing and required identity/credit checks), for security/fraud prevention, and as permitted by law. We do not use SPI to infer characteristics about you.

Right to Limit SPI. California residents may direct us to limit the use and disclosure of SPI to those needed to perform our services or as otherwise permitted by law.

Your California Privacy Rights

Subject to certain exceptions, California residents may exercise the following:

  1. Right to Know/Access. Request the categories and specific pieces of personal information we collected about you, the sources, purposes, and categories of third parties to whom we disclose it.
  2. Right to Delete. Request we delete personal information we collected from you.
  3. Right to Correct. Request we correct inaccurate personal information about you.
  4. Right to Opt-Out of Sale/Sharing. Direct us not to sell or share your personal information (including for cross-context behavioral advertising).
  5. Right to Limit SPI. Limit use/disclosure of sensitive personal information (see above).
  6. Right to Non-Discrimination. We will not discriminate against you for exercising any CCPA/CPRA rights (e.g., by denying services or charging different prices), except as permitted for programs reasonably related to the value of your data.

How to Submit a Rights Request

  • Mail: 2025 Guadalupe St., Ste. 260, Austin, TX 78705
  • Toll-free: (800) 385-5290
  • Authorized agent: You may designate an agent to submit a request. We will require proof of the agent’s authority and may also verify your identity directly.

Verification. We will take reasonable steps to verify your identity before responding (e.g., by matching identifying information we hold to information you provide or requesting additional documentation where appropriate). If we cannot verify your identity, we will explain why and may deny the request in whole or in part.

Response time. We aim to respond within 45 days of receiving a verifiable request. If reasonably necessary, we may extend by an additional 45 days and will notify you.

Appeals. If we deny your request in whole or part, you may contact us at (800) 385-5290 to request reconsideration.

“Do Not Sell or Share My Personal Information”

To opt out of sale or sharing of your personal information (including for cross-context behavioral advertising), use:

  • Online: “Do Not Sell or Share My Personal Information” privacy widget at www.westernfin.com
  • Global Privacy Control (GPC): If your browser sends a GPC signal, we treat it as a valid opt-out for that browser. You may still set site preferences for other browsers/devices.

If you return to our site after opting out, we may ask you to reconfirm preferences (e.g., if you clear cookies, use a different browser/device, or if your opt-out is not otherwise linked to your account).

Retention

We retain personal information only as long as reasonably necessary to fulfill the purposes disclosed above or as required by law (e.g., tax, audit, anti-fraud, and financial-recordkeeping obligations). We apply the following maximum retention periods (unless a longer period is required for legal, regulatory, or security reasons, or due to an active dispute or legal hold):

Category Typical Maximum Retention
Financing applications & agreements (incl. identifiers, customer records, commercial info, SPI) Indefinitely
Communications & customer service records 5 years after last interaction
Website analytics and advertising identifiers 24–26 months
Lead and marketing records Indefinitely
Fraud and security logs Indefinitely

When retention ends, we will delete, de-identify, or aggregate the information. We commit not to re-identify de-identified data except as permitted by law for testing or verification.

Online Advertising & Cookies

We use cookies and similar technologies for site functionality, analytics, and advertising. Some activities may constitute “sharing” under California law. You can manage preferences via our cookie banner/preferences website widget and by using the Do Not Sell/Share options described above.

Children

We do not knowingly sell or share the personal information of consumers under 16 years of age. If we learn that a minor’s data was collected contrary to these terms, we will delete it.