Find a Tow Service Near Me
Tow Now, Pay Later

Effective: November 2024 · Last Updated: November 2024

1. Introduction

Belmont General LLC ("TowFi," "we," "us," or "our") operates the TowFi mobile application. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our App.

Important: TowFi is NOT a lender

TowFi is a platform that connects you with towing services and financing options through Affirm Inc. We do not make credit decisions or provide loans.

2. Information We Collect

2.1 Information You Provide

• Personal Identification: Name, date of birth, Social Security Number (last 4 digits)
• Contact Information: Email address, phone number, mailing address
• Account Credentials: Username, password (encrypted)
• Financial Information: Income, employment status (shared with Affirm for loan decisions)
• Vehicle Information: Make, model, year, license plate (optional)

2.2 Information Collected Automatically

• Device Information: Device type, operating system, unique device identifiers
• Location Data: Precise location (only when using tow search feature)
• Usage Data: App interactions, features used, time spent in app
• Log Data: IP address, crash reports, performance data

2.3 Biometric Information

If you enable Face ID or Touch ID:

• Biometric data is stored ONLY on your device by Apple
• TowFi does NOT access, collect, or store your biometric data
• We only receive a success/failure signal from Apple's authentication

3. How We Use Your Information

• To provide and maintain our services
• To create and manage your account
• To connect you with towing service providers
• To facilitate financing applications through Affirm
• To verify your identity and prevent fraud
• To send service-related notifications
• To improve app functionality and user experience
• To comply with legal obligations

4. How We Share Your Information

4.1 With Affirm Inc. (Our Financing Partner)

When you apply for financing, we share your application information with Affirm Inc., including personal identification, contact information, financial information, and loan amount requested.

4.2 With Towing Service Providers

We may share limited information with the towing service you select: your name, contact information, vehicle information, and location.

4.3 With Service Providers

• Stripe Connect (payment processing)
• Google Maps (location services)
• Cloud hosting providers
• Analytics providers

4.4 We Do NOT Sell Your Personal Information

TowFi does not sell your personal information to third parties for monetary or other valuable consideration.

5. Your Privacy Rights

5.1 All Users

• Access: View and download your personal data
• Correction: Update inaccurate information in Settings
• Deletion: Request account and data deletion
• Opt-Out: Disable location services or notifications

5.2 California Residents (CCPA Rights)

• Right to Know: Request what personal information we collect
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the "sale" of personal information
• Right to Non-Discrimination: We will not discriminate for exercising your rights

6. Data Security

• Encryption: All data transmitted is encrypted using SSL/TLS
• Secure Storage: Passwords are hashed and stored securely
• Access Controls: Limited employee access to personal data
• Regular Audits: Ongoing security assessments and updates

7. Data Retention

We retain your information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and prevent fraud.

8. Children's Privacy

TowFi is not intended for use by individuals under 18 years of age. We do not knowingly collect personal information from children.

9. Location Data

We collect precise location data ONLY when you use the "Find Tow Service" feature. You can disable location access in your device settings.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy in the App and updating the "Last Updated" date.

11. Contact Us

Mailing Address:
Belmont General LLC
27308 NE 46th St
Camas, WA 98607

12. Consent

By using TowFi, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.

Last Updated: November 2024

1. Acceptance of Terms

By downloading, installing, or using the TowFi mobile application, you agree to be bound by these Terms and Conditions. TowFi is owned and operated by Belmont General LLC.

2. Description of Service

TowFi is a mobile application that connects users with towing services. TowFi is NOT a lender and does NOT provide financing. TowFi acts solely as a referral service to connect users with Affirm Inc., a licensed third-party lender.

3. User Accounts

• You must provide accurate and complete information
• You are responsible for maintaining account confidentiality
• You must be at least 18 years old
• One account per user is permitted

4. Acceptable Use

You agree NOT to:

• Use the App for illegal purposes
• Provide false information
• Interfere with App functionality
• Harass other users or service providers

5. Towing Services

• TowFi connects you with independent towing service providers
• Service providers are independent contractors
• Pricing and service quality are determined by providers
• TowFi is not responsible for the quality, safety, or legality of services provided

6. Financing Services - Important Disclosures

6.1 NOT A LENDER

TowFi is NOT a lender. TowFi does NOT extend credit, make loans, or provide financing. TowFi acts solely as a marketing referral service connecting users to Affirm Inc., a licensed third-party lender.

6.2 AFFIRM IS THE LENDER

All financing is provided by Affirm Inc., a licensed lender operating in all 50 states. Affirm makes all credit decisions. TowFi has no role in approving or denying loan applications.

6.3 APR AND LOAN TERMS

• Annual Percentage Rates (APR) range from 0% to 36%
• Loan terms range from 3 to 36 months
• Your specific APR and terms are determined solely by Affirm based on your creditworthiness
• All rates and terms will be clearly disclosed by Affirm before you accept any loan

6.4 CREDIT AUTHORIZATION

By clicking "Apply for Financing" you authorize:

• TowFi to share your application information with Affirm
• Affirm to obtain your consumer credit report
• Electronic delivery of loan documents and disclosures

6.5 CREDIT INQUIRIES

• Affirm will perform a soft credit inquiry to provide loan options
• Soft inquiries do not affect your credit score
• If you accept a loan offer, Affirm will perform a hard credit inquiry
• Hard inquiries may temporarily affect your credit score

6.6 TOWFI HANDLING FEE

TowFi charges a 20% handling fee on the tow service cost. This fee covers:

• Virtual card generation and management
• Secure payment processing through Stripe
• Platform technology and maintenance
• Customer support services

Example: For a $100 tow, you'll pay $120 total ($100 tow + $20 TowFi fee).

6.7 NO PREPAYMENT PENALTIES

Affirm loans have no prepayment penalties. You may pay off your loan early without additional charges.

6.8 STATE-SPECIFIC DISCLOSURES

CALIFORNIA RESIDENTS:

Affirm loans are made pursuant to the California Financing Law. Contact: California Department of Financial Protection and Innovation, Phone: (866) 275-2677, Website: www.dfpi.ca.gov

TEXAS RESIDENTS:

Affirm loans are subject to Texas Finance Code. Contact: Office of Consumer Credit Commissioner, Phone: (800) 538-1579

ALL STATES:

Your loan is governed by the laws of the state where you reside.

6.9 CUSTOMER SERVICE

7. Security and Authentication

TowFi offers optional two-factor authentication (2FA) using Face ID or Touch ID. Biometric data is stored securely on your device only — TowFi does not access, collect, or store your biometric data.

8. Privacy

Your privacy is important. Please review our Privacy Policy for details on how we collect, use, and protect your information.

9. Limitation of Liability

Belmont General LLC is not liable for:

• Actions of third-party towing service providers
• Damages during towing services
• Service delays or unavailability
• Credit decisions made by Affirm
• Terms or conditions of loans provided by Affirm
• Collection activities by Affirm or its agents

10. Modifications

We reserve the right to modify these Terms at any time. Continued use of the App after changes constitutes acceptance of the modified Terms.

11. Arbitration and Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with Texas law. You waive the right to participate in class action lawsuits.

12. Refund and Cancellation Policy

All cancellations and service-related refund requests must be directed to the towing provider. TowFi will only adjust or cancel Affirm financing after the towing provider has refunded the original transaction.

13. Contact

Mailing Address:
Belmont General LLC
27308 NE 46th St
Camas, WA 98607

14. Acknowledgment

By using TowFi, you acknowledge that you have read, understood, and agree to these Terms and Conditions, including the financing disclosures in Section 6.

We're here to help you with any questions or concerns.

What We Can Help With

• Account questions and login issues
• Understanding your TowFi financing
• Virtual card questions
• App technical support
• General inquiries about TowFi services

Towing Service Issues

For issues related to towing services (quality, disputes, damages), please contact the towing provider directly. TowFi connects you with independent towing companies but does not control their services.

Affirm Loan Questions

For questions about your Affirm loan, contact Affirm directly:

Contact Affirm for questions about:

• Loan payments and payment schedules
• APR and interest rates
• Loan terms and conditions
• Credit inquiries and credit score impact
• Loan modifications or early payoff

Before You Contact Us

Please have the following information ready:

• Your TowFi account email
• Transaction date and amount (if applicable)
• Description of your issue or question
• Any relevant screenshots or error messages

Helpful Links

• Privacy Policy — Learn how we protect your data
• Terms of Service — Review our terms and conditions