Last Updated: July 1, 2025

Trnsact, Inc. (“Trnsact,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you use our websites, applications, or services (collectively, the “Services”).

This Policy also explains your rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), and other applicable privacy laws.

If you have questions or want to exercise your privacy rights, you may contact us at:
privacy@trnsact.com

1. Personal Information We Collect

We collect the following categories of personal information.  We may have collected these categories in the past 12 months:

A. Identifiers

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Username and account credentials
  • IP address
  • Device ID

B. Personal Information Under California Law

  • Social Security number (only when explicitly provided for financing or compliance)
  • Driver’s license or government ID (when required for financing or credit workflows)
  • Financial information provided by dealers, lenders, or users during financing flows

C. Commercial Information

  • Records of transactions, applications, quote submissions, or dealer/lender interactions
  • Equipment details, financing preferences, and transaction history

D. Internet / Network Activity

  • Browser type
  • Device type
  • Pages viewed
  • Time spent on pages
  • Referring/exit URLs
  • Cookie and analytics data

E. Sensitive Personal Information (CPRA)

We only collect sensitive information when you intentionally provide it for financing workflows.
This may include:

  • SSN
  • Driver’s license
  • Financial data

We do not use or disclose sensitive personal information for purposes other than those permitted under CPRA (e.g., providing services, security, preventing fraud).

F. Inferences

  • Basic profile or preference data (e.g., product preferences, financing needs)
    We do not create or use behavioral profiles for advertising.

2. How We Collect Personal Information

We collect information from the following sources:

  • Directly from you when you submit forms, create an account, or use the platform
  • From dealers, lenders, or partners when you participate in financing or applications
  • Automatically through cookies, analytics, and log files
  • From service providers (e.g., hosting, analytics, identity verification)
  • From publicly available sources, when permitted

3. How We Use Personal Information

We use your information for the following business purposes:

  • Providing and improving the Trnsact platform
  • Processing financing applications
  • Facilitating dealer-lender communication
  • Conducting identity or fraud checks
  • Customer support
  • Internal analytics and product improvement
  • Security, debugging, and fraud prevention
  • Regulatory or compliance requirements
  • Communication and service notifications

We do not use personal information for cross-context behavioral advertising.

4. How We Disclose Personal Information

We do not sell your personal information.

We also do not share your information for cross-context behavioral advertising (as defined by CPRA).

We may disclose personal information to:

  • Service providers (hosting, analytics, identity verification, cloud services)
  • Dealers, lenders, and financing partners when you initiate a transaction or financing application
  • Professional advisors (legal, compliance, auditors)
  • Regulators or law enforcement when required by law
  • Successors in the event of a merger, acquisition, or business transfer

Service providers may only use your data in accordance with our instructions.

5. Cookies and Tracking Technologies

We use cookies and similar technologies for:

  • Analytics
  • Session management
  • Platform functionality
  • Security and fraud prevention

You can control cookies through your browser settings.
We do not use third-party advertising cookies.

6. How We Protect Your Information

We use industry-standard security measures to protect your data, including:

  • Encryption in transit and at rest
  • Access controls
  • Authentication and monitoring
  • Employee confidentiality requirements

No method of transmission or storage is 100% secure, but we take all reasonable steps to protect your information.

7. Data Retention

We retain personal information only for as long as necessary to:

  • Fulfill the purpose for which it was collected
  • Meet regulatory, tax, or legal obligations
  • Comply with dealer/lender recordkeeping requirements
  • Support transactional history within the platform

Retention periods vary by data type and purpose.
We delete or de-identify data when it is no longer required.

8. Your Privacy Rights (California CPRA)

If you are a California resident, you have the following rights:

Right to Know

You may request to know:

  • The categories of personal information collected
  • The purposes of collection
  • The categories of sources
  • The categories of third parties we disclose information to
  • The specific pieces of personal information we have collected about you

Right to Delete

You may request that we delete personal information we have collected.
Exceptions apply (e.g., required for fraud prevention, transactions, regulatory compliance).

Right to Correct

You may request correction of inaccurate personal information.

Right to Opt-Out of Sale or Sharing

We do not sell or share your information, but you still retain the right to opt-out.

Right to Limit Use of Sensitive Personal Information

We already limit sensitive use to essential purposes only.

Right to Non-Discrimination

We will not deny services or charge different prices because you exercised a privacy right.

9. How to Submit a Privacy Request

You may exercise your rights in any of the following ways:

Email

privacy@trnsact.com

Mailing Address

Trnsact, Inc.

5151 California Ave #100, Irvine, CA 92617

We will verify your identity before processing your request. We generally respond within 45 days, with a possible 45-day extension when reasonably necessary.

Authorized agents may submit requests on your behalf with proper documentation.

10. Children’s Privacy

Our Services are not intended for individuals under 16.
We do not knowingly collect personal information from minors.

11. International Users

If you access the Services from outside the United States, you understand that your information may be processed in the U.S., where privacy laws differ.

12. Changes to This Policy

We may update this Privacy Policy from time to time.
If we make material changes, we will notify you by posting the updated version on our website.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, contact us at:
privacy@trnsact.com