Information We Collect:
When you interact with us through the Services, we may collect Personal Data and other information from you, as further described below:
For clarity, EVEN collects Personal Data from you to, in part, provide you with personalized content and information related to loan products, but EVEN is not a lender. Any loan or related product to which you may become a party is solely transacted between you and the applicable lender and/or loan originator and is not a part of the Services.
IP Addresses; Device ID Information: The requests you make to EVEN may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse. If you access the Services on a mobile device, we may also collect your device identification number and request access to settings and location information for similar purposes and to personalize your experience with the Services.
Non-Identifiable Data: When you interact with EVEN through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. We may store such information ourselves or such information may be included in databases owned and maintained by EVEN affiliates, agents or service providers. The Services may use such information and pool it with other information to track, for example, the total number of visitors to the Services, the number of visitors to each page of our Site, and the domain names of our visitors’ Internet service providers. It is important to note that no Personal Data is available or used in this process.
In addition to cookies, we may use web beacons (also known as “clear GIFs”) to measure traffic to or from or use of our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Data in order to provide you with more focused communications.
Aggregated Personal Data: In an ongoing effort to better understand and serve the users of the Services, EVEN often conducts research on our customer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and EVEN may share this aggregate data with our affiliates, agents, lenders and service providers. This aggregate information does not identify you personally. EVEN may also disclose aggregated user statistics in order to describe our services to current and prospective lenders and service providers, and to other third parties for other lawful purposes.
Our Use of Your Personal Data and Other Information:
Marketing: EVEN and EVEN’s lenders and service providers whom we share your information for product pricing may use your Personal Data to communicate with you by email, postal mail, or by text message to provide you with:
– Information regarding your application status, or transactional information relevant to your account.
– Opportunities and promotions available through the services or products of our lenders and service providers that we think may be of interest to you.
– Information or content – such as articles or white papers – that we believe would be of interest to you though e-mail, text messages, or postal mail.
Our Disclosure of Your Personal Data and Other Information:
EVEN is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:
Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a lender and/or service provider if the information you provide in one of our online forms or tools matches certain criteria for loan products offered by such lender and/or loan originator.
Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets.
Agents, Consultants and Related Third Parties: EVEN, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal Requirements: EVEN may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of EVEN, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.
You can visit the Services without providing any Personal Data. If you choose not to provide any Personal Data, you may not be able to use certain features of the Services.
Links to Other Websites:
EVEN takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to EVEN via the Internet.
By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at firstname.lastname@example.org.
Other Terms and Conditions:
Your access to and use of the Services is subject to the Terms of Service at https://evenfinancial.com/terms-of-service/.
Your California Privacy Rights:
Applicable California privacy legislation permits visitors who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request to access such information, please contact us as follows: email@example.com. Within thirty (30) days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.]
Access to Information; Contacting EVEN:
To keep your Personal Data accurate, current and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.
You may contact us as follows: firstname.lastname@example.org.