Required User Consents
Consent is typically the last step in the information collection process and the language must be conspicuous and located directly near the Call To Action (“CTA”) button for the user to submit their information. Even and its Financial Services partners require that the user agrees to the following before submitting their information to receive offers.
This agreement represents the user's consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents. An example of Even’s “E-Sign” agreement can be found here: https://fiona.com/electronic-consent
Partners building a Native API integration are recommended to have users consent to their own version of “E-Sign” agreements. In cases where this is not possible, please reach out to your assigned contact at Even.

Credit Authorization

This agreement represents the user’s consent to allow Even to use the submitted information in order to find financial products and services that would be the best match for the user and allow its Financial Services partners to make a prequalification or other credit decisions. An example of Even’s Credit Authorization agreement can be found here: https://fiona.com/credit-authorization-agreement
Partners building a Native API integration are recommended to have users consent to their own version of Credit Authorization agreements. In cases where this is not possible, please reach out to your assigned contact at Even.

Terms of Service

This agreement represents the user’s consent to agree to follow the terms and conditions of the partner’s experience. An example of Even’s Terms of Service agreement can be found here: https://fiona.com/terms
Partners building a Native API integration are recommended to have users consent to their own version of Terms of Service agreements. In cases where this is not possible, please reach out to your assigned contact at Even.

Privacy Policy

This agreement represents the user’s consent to how their data will be collected and shared with Even’s Financial Services partners. An example of a Privacy Policy agreement can be found here:https://fiona.com/privacy
Partners building a Native API integration are recommended to have users consent to their own version of Privacy Policy agreements. In cases where this is not possible, please reach out to your assigned contact at Even.

Fair Credit Reporting Act (FCRA)

This agreement represents the user’s consent to allow Even and its Financial Services partners to obtain consumer report information from the user’s credit profile. Here is an example of the language used on Even’s owned experiences:
I am providing written consent under the Fair Credit Reporting Act (FCRA) for {Insert Company Name}, and its partners and financial institutions to obtain consumer report information from my credit profile.
Partners building a Native API integration must retain an electronic record of credit consent which includes the timestamp, unique user identification, and the specific language that was present at the time the user affirmatively agreed to consent under the FCRA.

Telephone Consumers Protection Act (TCPA)

This agreement represents the user’s consent to allow Even and its Financial Services partners to contact the user via the email and/or telephone number provided. Here is an example of the language used on Even’s owned experiences:
I agree to be contacted by {Insert Company Name} and its partners and their affiliated companies and financial institutions via email and/or at the telephone number(s) I have provided above to explore various financial products and services I inquired about, including contact through automatic dialing systems, artificial or pre-recorded voice messaging, or text message.

Call To Action (“CTA”) Button

Partners building a Native API integration can represent affirmative consent to the above agreements by either:
  1. 1.
    Adding a checkbox that the user must select in order for the CTA button to be activated (if the user unselects the checkbox then the CTA button must deactivate)
  2. 2.
    Adding the word “Agree” to the beginning of the consent language (ie. By clicking Agree…)
Here is an example of the full consent language and CTA button on Even’s owned experiences: