Effective Date: November 2021; Date Last Updated: May 30, 2025

Applicability

This policy describes how Triumph Financial, Inc. and its brands treat personal information. It applies to practices on the websites and apps (including mobile applications) where it appears. It does not apply when providing individuals with certain consumer financial services for which the Gramm-Leach-Bliley Act would apply – those practices can be found in our Annual Privacy Notice. This policy also does not describe our use of employees’ information.

Notice at Collection

Information We Collect
We collect information as described below.

California law requires us to tell you if we share categories of information for cross-contextual behavioral advertising. For each category below we have indicated if we do this. (To modify your preferences, read the Notice of Right to Opt-out of Sale/Sharing below.)

  • Contact information. We collect your name and email address. We may also collect your phone numbers or address. We may share this information for cross-contextual advertising.
  • Account information. What we collect depends on what account you are creating. We will collect information about your company. We will also collect username and password selections. For certain other services like Triumph Payments, Intelligence, Factoring and for opening LoadPay accounts we may also collect driver information. This may include things like your motor carrier and U.S. Department of Transportation number. We may also collect social security numbers and beneficial ownership information. For certain of our TBK accounts, please read our Annual Privacy Notice. That policy applies when you create certain accounts with us.
  • Financial information. We may collect financial or credit information when opening LoadPay, Triumph Payments, Intelligence, or Factoring accounts depending on the products or services you sign up for.
  • Site and device information. We collect log and session data when you visit our platforms. We collect browser and operating system information. We collect your IP address. We also collect device identifiers.
  • Job application information. If you apply for a job, we will collect information about your education and work history. We may also ask you about your skills and qualifications. We may ask about your ability to perform the position.
  • Other information you submit. We collect personal information you provide to us. This includes information you provide in e-mails or during calls. This may also include information you or your sources give us for referral programs. For certain of our TBK Bank accounts, our Annual Privacy Notice applies, and you should read that document.

How We Use Your Information

We use information as disclosed and described here. For certain of our TBK accounts, our Annual Privacy Notice applies, and you should read that document.

  • To communicate with you. We use information to communicate with you. This includes answering your questions. We will also provide you with information about our policies and terms. We also use information to process job applications.
  • To provide or improve our products and services. We use your information to improve our platforms and products. This may include customizing your experience with us. This may also include troubleshooting issues. We also use your information to maintain accounts or perform services. If we are using information to provide individuals with certain financial services, please read our Annual Privacy Notice. That policy applies to our treatment of that information.
  • To comply with legal or regulatory obligations imposed on us. We may use information to protect our company and our customers. We also use information to protect our platforms. We may also use information for security purposes and to help avoid fraud.
  • For marketing purposes. We use information to provide you with information about new products and offers. We may also tell you about new features or updates. We might tell you about new features or updates. We do this when legally permitted.
  • We use information as otherwise permitted by law. We also use information as we may notify you.

How Long We Keep Information

We keep these categories of information as long as necessary or relevant. We also keep information as required by law

Sensitive Information Collection and Use

We do not use or disclose sensitive personal information, as defined by California law, for inferring characteristics or for purposes other than those permitted by law. We keep these categories of personal information as long as necessary or relevant for the purposes for which it was collected. We also keep information as required by law.

More Information About Our Privacy Practices

Please read the rest of this policy for more information about our practices.

How We Collect Information

We collect information directly from you. We collect information when you contact us. We collect information from you when you create an account. This might include on products like LoadPay or other products and services provided by Triumph Payments, Intelligence, and Factoring. We may also collect information about you through referral programs. We may also collect information from our mobile applications.

We collect information passively. We collect information about users over time and across different websites and apps. Our vendors may also collect information this way. We may use common tracking tools to do this. We may do this on our platforms and in our emails.

We get information about you from others. Our business partners may give us information about you. We may also get information about you from your referral partners. Or we may get information from you from vendors.

We Combine Information

We combine information that we have collected offline with information we collect online. We also combine information collected across devices. This might include information collected from computers with that collected on mobile devices. We also combine information that we get from others with information we already have.

How We Disclose Information to Others

Below are times when we may disclose your personal information. We have also indicated the categories of entities to whom we may disclose your personal information. This policy does not apply to sharing that is covered by our Annual Privacy Notice.

  • We disclose information to our affiliates, subsidiaries, related parties and partners. We may disclose all categories of information with our affiliates and subsidiaries. We may also disclose this information to any parent company or related companies. In some circumstances, we may disclose this information with our trusted partners to provide products or services to you. However, we will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your data, including your SMS opt-in or consent status, with third parties that help us provide 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.
  • We disclose your information with vendors and others who perform services on our behalf. We may disclose all categories of information with trusted service providers. This includes site hosting and maintenance. It also includes chat vendors and those who help us evaluate job applications or conduct credit and eligibility determinations.
  • We share information for cross-contextual behavioral advertising. This includes online ads targeted to your interests. The Notice at Collection (above) outlines which categories of information we share for this reason.
  • We disclose information to comply with the law. We will transfer all categories of information to respond to a court order or subpoena. We will also disclose in response to a government agency or investigatory body request. This includes U.S. and non-U.S. entities.
  • We disclose information for security purposes. This includes disclosing information to protect us. We will also disclose it to protect you or others.
  • We will transfer information to successors to all or part of our business. If all or part of our business is sold, we may transfer all categories of information as part of that transaction. If there is a merger or acquisition, we will do this as well.
  • We may disclose information for other reasons we may describe to you. We will also disclose information as permitted by law.

Additional information for residents in certain states. California, Colorado, Connecticut, Nevada, and Virginia law require that we tell you if we sell personal information with a third party for monetary or (in California) other valuable consideration. We do not do this. We also do not do this with information of minors under the age of 16.

Your Rights and Choices

Marketing Choices
You may opt out of receiving marketing e-mails or text messages you receive from us. To do so follow the instructions in the message you receive. You will still receive our transactional communications.

Cookies and Tracking Tools

We collect personal information about users over time and across different websites. We also serve content on our platform or third-party platforms based on your behaviors and interests. We also have vendors that do this. To do this, we use common tracking tools. These may include browser cookies or web beacons. We may also use flash cookies and similar technologies.

You can control cookies and tracking tools. Your browser may give you the ability to control cookies or other tracking tools. How you do so depends on the type of tool. Certain browsers can be set to reject browser cookies. If you block cookies, certain features on our Sites may not work. If you block or reject cookies, not all the tracking described here will stop.

  • Our Do Not Track Policy. Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals except as described in the Notice of Right to Opt-Out of Sharing for Cross-Contextual Behavior Advertising, below.
  • Cross-contextual behavioral advertising. These ads include ones based on your digital activities. To opt out, read our Notice of Right to Opt-out of Sharing for Cross-Contextual Behavior Advertising, below. You can also manage preferences with tools from the Self-Regulatory Program for Online Behavioral Advertising. To manage online preferences here. To manage mobile choices, go here.
  • Notice of Right to Opt-out of Sharing for Cross-Contextual Behavioral Advertising: You can opt out of the sharing of your personal information for cross-contextual behavioral advertising by visiting here and following the instructions on that page. You can also configure certain browsers to tell websites not to share your information for these reasons through the “global privacy control” signal. We will respond to this signal in a frictionless manner. If you configure this setting on your browser, certain features may not work. To learn how to configure this setting, view here.

Options you make are browser and device specific.

Specific Rights in Certain Jurisdictions

If you are a consumer who lives in the EU/UK, Canada, California, Colorado, Connecticut, Utah, or Virginia, or jurisdictions with similar laws, you may have additional rights. Those rights depend on our relationship. The rights are subject to certain limitations and are not absolute. This might include if a legal exception applies. If that is the case, we will not be able to process your request. TBK Bank customers may have different rights and choices. Those can be found in our Annual Privacy Notice.

The Rights:

  • Access: to learn the categories of information we collect and use, and for those in California, the categories of sources of collection and disclosure and the business purpose for collection;
  • Portability: a copy of (Virginia) orspecific pieces of (California) personal information collected;
  • Deletion: to have us delete information we collected from you;
  • Correction: asking us to fix your information (not available for Utah residents); and
  • Non-retaliation: not to be discriminated against for exercising a privacy right.
  • Restrict or object to processing. UK and EU residents have the right to limit the way we use personal information. This can be done as an alternative to requesting we delete your personal information. You may also have the right to object to how we process information.

Nevada residents. You may opt out of the future sale of your information to a third party so that they may license or sell that information. To do this, email us at the contact information listed at the end of this privacy statement.

How it Works

When you submit your request, we use information you provide to verify your request. We do this by matching the information you provide with information we already have about you. In some situations, we may not be able to process your request. This may include if a legal exception applies. If you disagree with our decision, you can contact us as described at the end of this policy.

Third Party Agents

If you are submitting on someone else’s behalf, we may ask for additional verification. This may include a signed letter verifying your right to make this request.

Notice of Financial Incentives

California and Colorado require that we provide you with information about financial incentives. You can read this at our Notice of Financial Incentives.

Information Collected from Children

Our sites and apps are meant for adults. We do not knowingly collect personally identifiable information from children under thirteen. Contact us if you are a parent or legal guardian and think your child under 13 has given us information. You can contact us at the email or address provided at the end of this policy. Please mark your inquiries “COPPA Information Request.” Parents, you can learn more about how to protect children’s privacy on-line here.

We Use Standard Security Measures

We use reasonable security measures as required by relevant law. The Internet is not 100% secure. We cannot promise that your use of our sites or apps will be completely safe. We encourage you to use caution when using the Internet. This includes not sharing your passwords. We will never ask for your multi-factor authentication code.

Information Storage

Information we collect may be stored in the United States. We may transfer your information to partner locations, which include countries that may not afford the same level of protection as those in your country. Our platforms are primarily intended for people who are in the United States. If you live outside of the United States and choose to use our platforms, you understand that it is at your own risk. You also understand that if your access our platforms outside the United States your information will be sent to the United States. The United States may not afford the same level of protection as laws in your own country. If you live outside of the United States, you understand and agree that by submitting your information, you agree to the processing of it in the United States.

Links to Third Party Sites

We may link to third-party sites or apps. Our sites may also include third party content that collects information. We do not control these third parties. This policy does not apply to the privacy practices of these third-party websites or applications. Please read the privacy policies of other websites carefully. We are not responsible for the practices of these third-party sites or apps.

Contact Us

If you have any questions about this Policy or our privacy practices, please email us at legal@tfin.com

You can also write to us at:
12700 Park Central Drive, Suite 1700
Dallas, TX 75251
c/o Kameron Dodge

Privacy Policy Updates

From time to time, we may change our privacy policies. We will notify you of any material changes to our Policy as required by law. We will also post an updated copy on the sites where this appears. Please check our site periodically for updates.