Effective Date: August 30, 2026
Harris Marine Financing, Inc. (“Harris Marine Financing,” “HMF,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.
This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, contact us, request our services, submit information to us, or otherwise communicate or do business with Harris Marine Financing.
This Privacy Policy supplements our separate Financial Privacy Notice, which describes our practices concerning nonpublic personal information subject to applicable financial privacy laws.
1. Information We Collect
The information we collect depends upon the products or services you request and may include:
- Name, mailing address, email address, telephone number, and other contact information;
- Date of birth and government-issued identification information;
- Social Security number and other information used to verify identity;
- Employment, income, asset, liability, and other financial information;
- Credit history, credit scores, and information obtained from consumer reporting agencies;
- Information concerning a vessel being purchased, refinanced, documented, titled, or registered, including make, model, year, hull identification number, purchase price, and ownership information;
- Insurance information;
- Lienholder information;
- Information contained in applications, purchase agreements, bills of sale, title documents, U.S. Coast Guard documentation records, and other documents related to your transaction;
- Payment and transaction information;
- Communications with us by telephone, email, text message, website form, secure upload service, or other means; and
- Technical information associated with use of our website, such as IP address, browser or device information, and website activity.
We may collect information directly from you when you contact us, complete an application or form, submit documents, call, email, text, use our website, or otherwise request services.
We may also obtain information from lenders, consumer reporting agencies, dealers, brokers, sellers, government agencies, service providers, and other parties involved in or necessary to evaluate, process, document, or complete your transaction, as permitted by law.
2. How We Use Personal Information
We may use personal information to:
- Respond to inquiries;
- Evaluate and process requests for our services;
- Submit information to potential or actual lenders when authorized and appropriate;
- Obtain information necessary to evaluate and process transactions;
- Prepare and process transaction and closing documents;
- Coordinate vessel purchases, refinances, and closings;
- Provide U.S. Coast Guard vessel documentation and related services;
- Process title or registration matters when applicable;
- Request documents or additional information;
- Provide transaction-status information;
- Coordinate scheduling, document signing, delivery, and closing logistics;
- Process payments;
- Verify identity and help prevent fraud;
- Maintain customer and transaction records;
- Provide customer service;
- Comply with legal, regulatory, lender, licensing, governmental, contractual, and recordkeeping requirements;
- Protect our rights, property, customers, employees, and business operations; and
- Operate, maintain, secure, and improve our website and services.
3. How We Disclose Personal Information
We may disclose personal information as reasonably necessary to evaluate, process, document, or complete your requested transaction or provide our services, including to:
- Banks, credit unions, and other potential or actual lenders;
- Consumer reporting agencies;
- Dealers, brokers, sellers, and other parties involved in a vessel transaction when appropriate;
- Insurance providers or agents when necessary for a transaction;
- The U.S. Coast Guard and other governmental agencies;
- Title, registration, documentation, lien, and records-search providers;
- Payment processors;
- Technology, communications, document-processing, secure-file-transfer, and records-management providers;
- Attorneys, accountants, auditors, insurers, and professional advisers; and
- Courts, regulators, governmental authorities, or law-enforcement agencies when required or permitted by law.
We may also disclose information in other circumstances described in our Financial Privacy Notice.
Harris Marine Financing does not sell personal information to third parties.
4. SMS/Text Messaging Privacy
If you provide a mobile telephone number and consent to receive text messages from Harris Marine Financing, we may use that number for limited administrative, transactional, and customer-service communications.
Text messages may be used for matters such as:
- Asking you to contact our office;
- Confirming that documents or information have been received;
- Requesting that you provide documents or information through an appropriate secure method;
- Providing general transaction-status notifications that do not disclose sensitive or financial information;
- Scheduling appointments, document signing, or closing-related activities;
- Coordinating document delivery or pickup;
- Vessel documentation matters;
- Title or registration matters when applicable; and
- Other routine administrative communications relating to your transaction.
Harris Marine Financing does not use text messaging to discuss or transmit applications, credit information, credit decisions, rates, terms, approvals, denials, account information, Social Security numbers, banking information, payment instructions, or other sensitive financial information.
When a matter involves sensitive or financial information, we will ask you to communicate with us through another appropriate method.
Message frequency may vary. Message and data rates may apply.
Consent to receive text messages is not a condition of obtaining products or services from Harris Marine Financing.
Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
If you wish to be removed from receiving future text communications, you can opt out by texting STOP.
For assistance with text messaging, reply HELP or contact Harris Marine Financing directly.
Please review our Text Messaging Terms & Conditions for additional information concerning the Harris Marine Financing text messaging program.
5. Cookies and Website Technologies
Our website may use cookies and similar technologies to operate the website, maintain security, understand website usage, remember preferences, and improve functionality.
Your browser may allow you to block or delete cookies. Disabling certain cookies may affect the operation or functionality of portions of the website.
Our website may also contain links to websites or services operated by third parties. Those third parties have their own privacy practices, and Harris Marine Financing is not responsible for the privacy or security practices of third-party websites or services.
6. Information Security
We maintain reasonable administrative, physical, and technical safeguards designed to protect personal information against unauthorized access, use, alteration, loss, or disclosure.
No method of electronic transmission or information storage can be guaranteed to be completely secure, and we therefore cannot guarantee absolute security.
Additional information regarding our treatment of nonpublic personal information may be found in our separate Financial Privacy Notice.
7. Information Retention
We retain personal information for as long as reasonably necessary to process and service transactions, provide requested services, maintain customer and business records, comply with lender, legal, regulatory, tax, contractual, licensing, and recordkeeping requirements, resolve disputes, and protect our legal rights.
Retention periods may vary according to the type of information and transaction involved.
8. Your Choices and Privacy Requests
You may contact us to request that we update or correct contact information maintained in our records.
Depending upon applicable law and your place of residence, you may have additional rights concerning certain personal information. We will respond to applicable privacy requests as required by law.
You may discontinue Harris Marine Financing text messages at any time by replying STOP.
9. Children’s Privacy
Our website and services are intended for adults and are not directed to children under the age of 13.
We do not knowingly collect personal information online from children under 13.
10. Third-Party Websites
Our website may contain links to governmental websites, lenders, service providers, social-media platforms, or other third-party websites.
This Privacy Policy applies only to Harris Marine Financing. We are not responsible for the content, security, or privacy practices of third-party websites or services.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, business practices, technology, or applicable requirements.
When changes are made, the revised Privacy Policy will be posted on our website and the Effective Date at the top of this page will be updated.
12. Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact:
Harris Marine Financing, Inc.
203 Romancoke Road, Suite 50
Stevensville, Maryland 21666
Phone: 410-643-7097
Toll Free: 877-777-7097
You may also contact us through the Contact Us page on our website.