TRU Funding LLC
Last Updated: 12. 02. 2026.

1. Introduction

TRU Funding LLC (“TRU Funding LLC,” “Company,” “we,” “us,” or “our”) is a U.S.-based freight factoring company providing invoice factoring and related financial services to trucking companies, owner-operators, and freight businesses.

This Privacy Policy explains how we collect, use, disclose, and safeguard information when you:

  • Visit our website (www.trufunding.net)
  • Apply for factoring services
  • Enter into a factoring agreement
  • Communicate with us by phone, email, SMS, or other means

Because we operate in the financial services industry, we take the privacy and security of your information seriously.

2. Information We Collect

A. Business Information

We may collect information about your business, including:

  • Business name and DBA
  • EIN
  • Business address
  • Operating authority information
  • Insurance information
  • Banking information
  • Invoice and accounts receivable data
  • Load confirmations and broker information

B. Personal Information

In connection with underwriting, verification, or personal guarantees, we may collect:

  • Full name
  • Email address
  • Phone number
  • Mailing address
  • Date of birth
  • Social Security number (if required for underwriting or personal guarantee)
  • Driver’s license or government-issued ID
  • Bank account information
  • Credit-related information

C. Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address
  • Browser type
  • Device type
  • Pages visited
  • Date and time of visit
  • Referring website

This data is used for analytics, security, and website improvement purposes.

3. How We Use Information

We use the collected information to:

  • Evaluate and underwrite factoring applications
  • Verify identity and prevent fraud
  • Process payments and ACH/wire transfers
  • Purchase and manage accounts receivable
  • Communicate about your account
  • Provide customer support
  • Comply with legal and regulatory obligations
  • Improve our website and services
  • Send marketing communications (if you opt in)

We do not use your financial information for unrelated marketing purposes.

4. Legal Basis & Financial Privacy Compliance

As a financial services company, TRU Funding LLC complies with applicable U.S. financial privacy laws, including:

  • The Gramm-Leach-Bliley Act (GLBA)
  • FTC Safeguards Rule
  • Applicable state financial privacy laws

We maintain administrative, technical, and physical safeguards designed to protect nonpublic personal information.

5. Sharing of Information

We may share information only as necessary for legitimate business purposes, including:

A. Service Providers

  • Payment processors (ACH/wire providers, Stripe if applicable)
  • Banking institutions
  • Cloud storage providers
  • CRM and communication systems
  • Analytics providers (e.g., Google Analytics)

All service providers are contractually required to protect your information.

B. Brokers and Debtors

In the normal course of factoring, we may communicate with brokers or account debtors regarding invoices assigned to us.

C. Legal & Regulatory Requirements

We may disclose information when required to:

  • Comply with law or court orders
  • Respond to regulatory authorities
  • Prevent fraud or financial misconduct

D. Business Transfers

If TRU Funding LLC undergoes a merger, acquisition, or sale, information may be transferred as part of that transaction.

6. Data Security

We implement commercially reasonable safeguards, including:

  • Encryption of sensitive data in transit
  • Restricted access to financial records
  • Secure banking integrations
  • Vendor due diligence procedures
  • Access controls and authentication protocols

While no system is 100% secure, we take industry-standard measures to protect your information.

7. Data Retention

We retain information:

  • As long as necessary to provide factoring services
  • As required by financial regulations
  • As required by tax, audit, and legal obligations
  • Typically, for a minimum period consistent with federal and state recordkeeping requirements

When information is no longer required, it is securely deleted or destroyed.

8. Cookies & Analytics

Our website uses cookies and similar technologies to:

  • Improve functionality
  • Analyze website traffic
  • Support marketing efforts

You may disable cookies in your browser settings, though some site functionality may be affected.

We may use:

  • Google Analytics
  • Advertising/remarketing platforms

You can opt out through browser settings or third-party opt-out tools.

9. SMS Communications

If you opt in to receive SMS messages from TRU Funding LLC:

  • You may receive account updates or service notifications
  • Message frequency may vary
  • Standard carrier message and data rates may apply

You may opt out at any time by replying “STOP” or contacting us.

Phone numbers and SMS consent collected for SMS purposes are not sold or shared for marketing purposes.

10. Email Marketing Communications

TRU Funding LLC may send marketing and promotional communications to individuals who:

  • Submit an inquiry through our website
  • Apply for factoring services
  • Enter into a business relationship with us
  • Opt in to receive marketing updates

These communications may include:

  • Industry insights and freight market updates
  • Service announcements
  • Promotional offers
  • Company news

We send marketing emails in compliance with the CAN-SPAM Act and other applicable U.S. laws.

Each marketing email will include:

  • Clear identification of TRU Funding LLC as the sender
  • A valid physical mailing address
  • An unsubscribe link or opt-out instructions

You may opt out of marketing emails at any time by:

Please note that even if you opt out of marketing communications, we may still send transactional or service-related communications regarding your factoring account.

11. Your Privacy Rights (California Residents)

If you are a California resident, you may have rights under the CCPA/CPRA, including:

  • Right to know what information we collect
  • Right to request deletion (subject to financial/legal retention obligations)
  • Right to correct inaccurate information
  • Right to opt out of sale or sharing

TRU Funding LLC does not sell personal information for monetary compensation.

To exercise your rights, contact us at:
📧 info@trufunding.net
📞 708-585-5377

12. Children’s Privacy

Our services are intended for business entities and individuals aged 18 or older. We do not knowingly collect information from minors.

13. Links to Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for their privacy practices.

14. Updates to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date.

15. Contact Us

TRU Funding LLC
745 McClintock Drive #320
Burr Ridge, IL 60527

Email: info@trufunding.net
Phone: 708-585-5377