terms of service(TOS)
AltEF Terms of Service, Privacy Policy & SMS Terms
Effective Date: July 2, 2026
Welcome to AltEF (Alternative Equipment Finance).
By accessing our website, submitting a financing inquiry, completing an application, scheduling an appointment, or using our services, you agree to the following Terms of Service, Privacy Policy, and SMS Terms.
1. Terms of Service
Our Services
AltEF is an independent commercial equipment finance brokerage that helps businesses obtain equipment financing, leasing, and working capital solutions through a nationwide network of lending partners.
Information provided by AltEF is for informational purposes only and does not constitute a commitment to lend, a financing approval, or an offer of credit.
All financing requests are subject to underwriting, verification, and final approval by the participating lender.
No Guarantee of Financing
AltEF does not guarantee:
Financing approval
Interest rates
Payment amounts
Financing structures
Lease terms
Funding amounts
Any payment examples, financing scenarios, or pre-qualification estimates are illustrative only and remain subject to lender review and approval.
2. Communications
By submitting a financing inquiry, application, appointment request, contact form, or otherwise providing your contact information, including your mobile phone number, you expressly consent to receive communications from AltEF.
Communications may be sent by:
SMS/Text Message
Telephone
These communications may include:
Responses to inquiries
Financing application confirmations
Requests for documentation
Underwriting updates
Approval notifications
Funding updates
Appointment reminders
Customer support
Account-related notifications
Follow-up regarding requested financing or equipment
Occasional informational messages related to financing programs, products, or services that may be relevant to your inquiry or existing business relationship with AltEF
AltEF primarily uses SMS to provide customer service, financing updates, and relationship communications. We do not send high-volume unsolicited marketing text message campaigns.
Consent to receive SMS communications is not a condition of obtaining financing or purchasing any product or service.
3. Privacy Policy
Information We Collect
Depending on your interaction with AltEF, we may collect:
Name
Business name
Mobile phone number
Email address
Mailing address
Equipment information
Business information
Financial information
Information submitted through financing inquiries or applications
How We Use Your Information
We use your information to:
Evaluate financing opportunities
Match your request with appropriate lending partners
Process financing applications
Respond to inquiries
Provide customer support
Communicate regarding financing requests and account activity
Improve our services
Comply with legal and regulatory obligations
Information Sharing
AltEF does not sell personal information.
We may share your information only with:
Commercial lenders
Equipment finance companies
Leasing companies
Credit reporting agencies when authorized
Service providers supporting our business operations
These parties may use your information only as necessary to process financing requests or support our business operations.
SMS Privacy
SMS consent and mobile phone numbers are not shared with third parties or affiliates for marketing purposes.
Your mobile phone number is used only for communications related to your financing inquiry, application, requested services, customer support, account activity, or other communications you have consented to receive.
Data Retention
Information is retained only as long as reasonably necessary to:
Provide requested services
Meet legal and regulatory obligations
Resolve disputes
Enforce our agreements
Data Security
AltEF maintains commercially reasonable administrative, technical, and physical safeguards designed to protect your information.
Although we strive to protect your information, no electronic transmission or storage system is completely secure.
Cookies
Our website may use cookies and analytics technologies to:
Improve website functionality
Understand visitor behavior
Enhance user experience
Maintain website security
You may disable cookies through your browser settings; however, certain features of the website may not function properly.
4. SMS Terms & Conditions
Program Description
AltEF provides SMS communications to customers and prospective customers who request information, submit financing inquiries, complete applications, or otherwise establish a business relationship with AltEF.
Messages may include:
Inquiry responses
Application confirmations
Documentation requests
Underwriting updates
Approval notifications
Funding updates
Appointment reminders
Customer support
Account notifications
Follow-up regarding requested financing
Occasional informational messages regarding financing programs or services relevant to your inquiry or existing relationship with AltEF
AltEF does not send high-volume unsolicited promotional SMS campaigns.
Message Frequency
Message frequency varies depending on your inquiry, financing application, account activity, customer support needs, and communications you request.
Message & Data Rates
Message and data rates may apply according to your wireless carrier's plan.
Opt-Out
You may opt out of SMS communications at any time by replying STOP to any message.
You will receive one confirmation message after opting out.
Following your opt-out request, no further SMS messages will be sent unless you initiate a new conversation or provide new consent.
Help
Reply HELP for assistance or contact us directly:
AltEF – Alternative Equipment Finance
Phone: (681) 387-3640
Email: [email protected]
Website: https://fundaltef.com
Carrier Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Eligibility
You must be at least 18 years old or otherwise legally authorized to act on behalf of a business.
5. Third-Party Lending Partners
AltEF is an independent equipment finance brokerage.
We do not make lending decisions or extend credit directly.
All financing approvals, rates, lease structures, documentation requirements, and funding decisions are determined solely by the participating lender.
Any financing agreement is solely between you and the lender providing the financing.
6. No Financial, Legal, or Tax Advice
Information provided by AltEF is intended solely for educational and informational purposes.
Nothing provided by AltEF constitutes financial, legal, accounting, or tax advice.
You should consult qualified professionals regarding your individual circumstances.
7. Limitation of Liability
To the fullest extent permitted by applicable law, AltEF shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of our website or services.
8. Changes to These Terms
AltEF may modify these Terms of Service, Privacy Policy, or SMS Terms at any time.
Changes become effective immediately upon posting to our website.
Your continued use of our services constitutes acceptance of any updated terms.
Contact Information
AltEF – Alternative Equipment Finance
970 Elliot Street
Saint Albans, WV 25177
Phone: (681) 387-3640
Email: [email protected]
Website: https://fundaltef.com