Privacy Policy

1. Information We Collect

A. INFORMATION WE COLLECT DIRECTLY FROM YOU

We may collect information directly from you when you use our Services. For example, when you register to become a user, request to qualify for a third-party product or service, link your third-party financial accounts, or fill out forms on our Site. We may ask you to provide one or more of the following pieces of information:

• Name
• Email address
• Mailing address
• Phone number
• Date of birth
• Registration information, such as a username and password
• Third-party financial account information
• Financial information
• Information about your job or business
• Demographic information when relevant to a particular financial product or service

When you communicate with us, we may also collect the content of these communications.

B. INFORMATION AUTOMATICALLY COLLECTED

When you visit the Site or use the Services, we may automatically receive and record certain information from your computer, web browser, and/or mobile device, including:

• IP address or other device address or ID
• Web browser and/or device type
• Geolocation data
• Hardware and software settings and configurations
• Web pages or sites you visit before or after visiting the Site
• Pages you view on the Site
• Your actions on the Site
• Dates and times of your visits, access, or use of the Services

C. INFORMATION FROM OTHER SOURCES

We may obtain information about you from third-party sources, such as business partners, referral partners, advertisers, consumer reporting agencies, or third-party services that provide a mechanism to share information.

ll. Information Collected

When you visit the Site, use the Services, or open an email from MoneyMate, we may automatically receive and record certain information from your computer, web browser and/or mobile device, including without limitation:

• IP address or other device address or ID.
• Web browser and/or device type.
• Geolocation data, including if you use the Site on a mobile device.
• Hardware and software settings and configurations.
• Web pages or sites that you visit just before or just after visiting the Site.
• Pages you view on the Site.
• Your actions on the Site, including the electronic path you take to our Site, through our Site and when exiting our Site, as well as your usage and activity on our Site, such as the links and objects you view, click or otherwise interact with (also known as “Clickstream Data”).
• Dates and times that you visit, access, or use the Services.

lll. Cookie Information

A. When you use the Services, we may send one or more Cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed. Please review your web browser “Help” file to learn the proper way to modify your Cookie settings. If you delete, or choose not to accept, Cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.

IV. Third-Party Web Beacons and Third-Party Buttons

A. We may implement third-party advertising or other content on the Site that may use clear GIFs or other forms of web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Site. Additionally, we may implement third-party buttons (such as Facebook “like” or “share” buttons) that may allow a third-party to collect information about you through their browser Cookies, even when you do not interact with the button.

B. We also engage third-party partners and vendors like Google Analytics, Heap and others, who provide analytics and advertising services, to assist us in providing you the Site and our Services. We allow these third-parties, including unaffiliated business partners, advertising networks, analytics providers, and other advertising service providers, to automatically collect Clickstream Data and other information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. For example, we may use third-party analytics tools to help us understand and record the electronic path you take to our Site, through our Site and when exiting our Site, as well as your usage and activity on our Site, such as the links and objects you view, click or otherwise interact with. We use this data for our own analytics and advertising purposes, as well as to facilitate partner relationships and your interactions with other third-parties. In addition, certain of our third-party partners may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and website analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes.

C. Where information collected through web beacons, buttons, and similar technologies is collected directly by third-parties, their collection and use of information is subject to that third-party’s own privacy policies. Some of these third-parties are members of the Network Advertising Initiative or the Digital Advertising Alliance and participate in the industry’s opt out, available at http://optout.aboutads.info/#!/ or at http://optout.networkadvertising.org/#!/. Additionally, you may opt out of the use of Google Analytics Cookies here: https://tools.google.com/dlpage/gaoptout.

D. Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile applications using the settings within the mobile application or your mobile device. For more information, please check your mobile device settings. You also may uninstall our app using the standard uninstall process available on your mobile device or app marketplace. Please note that your opt-out choice will apply only to the browser and device you are using when you opt out.

V. INFORMATION FROM OTHER SOURCES

A. We may also obtain information about you from third-party sources, such as our business partners, referral partners or advertisers. We may also, at your direction, receive credit reports or scores from consumer reporting agencies such as TransUnion, Experian, or Equifax, or third-party services that provide a mechanism to share information you have provided to the third-party through the use of an application program interface (API), such as Facebook Connect or the Twitter API. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

B. Add Business and/or Personal Account

• Add Business and/or Personal Account is a feature that allows you to track all of your third-party financial accounts on MoneyMate’s website. By using the Add Business and/or Personal Account Service, you grant MoneyMate and its third-party service provider, MX Technologies, Inc., permission to access your third-party financial accounts designated by you. We may use your account information to evaluate your eligibility for and recommend other products or services and to modify or develop our products and services to better serve you. By using the Add Business and/or Personal Account Service, you agree to MX Technologies, PrivacyPolicy https://www.mx.com/privacy-policy/.

VI. How We Use Your Information

1. We use your information for various purposes, including:

• Providing you the Services you request
• Operating, maintaining, and improving the Services
• Understanding and analyzing usage trends and preferences
• Fraud detection and information security
• Contacting you for administrative purposes or promotional materials
• Personalizing our services and providing customized advertisements
• Providing access to your credit report or score and making recommendations regarding financial products and services
• Sharing de-identified analytics with third-party partners

We may use your email address or other personal information (a) to contact you for administrative purposes such as customer service, (b) to address intellectual property, right of privacy or defamation issues related to content you have posted on the Services, and/or (c) to send you promotional materials, offers, and/or messages related to the Services and the activities of third-parties we work with. Generally, you can opt out of receiving promotional communications, through links provided in the messages, by updating your account preferences through the Services, or by contacting us directly at [email protected].

We may use Cookie Information and Automatically Collected Information to: (a) personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Services; (b) pre-fill forms; (c) provide customized advertisements, content, and information across your devices; (d) monitor and analyze the effectiveness of Services and third-party marketing activities; (e) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (f) track your entries, submissions, and status in any promotions or other activities.

If you request access to your consumer credit reports, we may use it (1) to provide you with access to your free credit score, including periodic updates to your credit score, and (2) to make recommendations regarding financial products and services that may be of interest to you, including credit cards, personal loans, home loans and other financial products and services offered by MoneyMate partners.

VII. How We Share Your Information

We may disclose your information in connection with providing the Services, including sharing with unaffiliated third-party service providers, lending partners, or other third-party partners. We may also share your information for legal compliance, business operations, or in the event of a corporate transaction.

A. We may disclose your information in connection with providing the Services and the operation of our business. For example, we may share personal information, such as name, email, address, and other identifying information, with unaffiliated third-party service providers to verify your identity in connection with your use of certain aspects of the Services.

B. We may share information collected directly from you with unaffiliated third-party lending partners or third-party service providers in connection with your use of specific aspects of the Services. Some examples include but are not limited to:

1. When you request additional or personalized information regarding financial product offers from third-party financial service aggregators we partner with.
2. When you request access to your credit report or score.
3. When you report a complaint about a product or a third-party lending partner featured on our Site; we may forward your complaint to that partner.
4. When you request answers or advice through our Services, MoneyMate may provide certain of your information to third-party experts, advocates, and advisors.

C. We may share automatically collected information such as IP address and Clickstream Data as well as de-identified information with unaffiliated third-party partners when you leave our Site (for example, from a rate table or review) to go to a third-party site to request information or apply for financial products.

D. We may share your credit report and other personal information with and/or among our wholly-owned MoneyMate in order to provide you with recommendations on financial products and services that might be of interest to you.

E. We may share your information with third-party service providers to support our internal and business operations. In such cases, service providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure. For example:

1. For website, application development, hosting, data storage, maintenance, and other services for us.
2. For internal marketing, delivery of emails, including promotional, marketing and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.
3. For fraud prevention and security purposes.

F. When you choose to share your own information on a publicly accessible area of the Site, such as a public profile page or any section where you can publicly submit questions to us or our third-party partners, that information will be available to anyone who is able to access that content, including other Site users. Additionally, questions you submit and answers provided by third-parties may be posted on our Site and viewable by other users and the public.

G. We may share de-identified and/or aggregate analytics with third-party partners about how users interact with our Services, including usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Service.

H. We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.

I. By submitting a request through our Services, you consent to the disclosure of your information to third-parties in order for us to carry out your request. The collection and use of your information by third-parties is subject to each third-party’s specific privacy policy and terms of use. MoneyMate has no control over the means by which third-parties further use or disclose your information.

J. If you submit a request through our Services, a third-party service provider may directly contact you with quotes or information via telephone, auto-dialed prerecorded calls, SMS, fax, and/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do Not Call Registry or any other similar registry.

K. Do not submit a request for information or services if you do not want your personal information shared as described above. Once you have submitted a request through the Services and we have shared your information as described above, the terms of the third-party’s privacy policy will apply to that party’s use of your information.

L. You may, of course, decline to share certain information with us, in which case we may not be able to provide to you some of the features and functionality of the Services.

M. You have the option to refuse any free consultations or offers for services provided after you submit a request to a third-party through the Services.

N. We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose personal information to a third-party during negotiations of, in connection with or as an asset in such a corporate business transaction. Personal information may also be disclosed in the event of insolvency, bankruptcy, or receivership.

O. Please see the Gramm-Leach-Bliley Privacy Policy provided above for more information about how you can limit your sharing options.

P. EpocHarvest consulting services. You may choose to engage in our consulting services, which are provided by EpocHarvest Inc. If you do so, the Finance Managers will use MoneyMate in conjunction with the services being provided unless otherwise stated or your financial situation requires customization outside of the platform.

VIII. Exercising Your Rights, Updating Your User Information, Canceling Your Subscription, and Deactivating Your Account

8. Exercising Your Rights, Updating Your User Information, Canceling Your Subscription, and Deactivating Your Account

9. Verification

10. To help protect your privacy and secure your personal information, you may be asked to provide additional information to verify your identity and/or ownership rights prior to us exercising your data rights. If we are unable to verify your identity or ownership rights to the data, we may not be able to provide you with data rights until you are able to provide us with proper documents.

11. Information retention

12. Unless you specifically ask us to delete your personal information, we will retain your personal information as long as it is necessary for us to comply with our data retention requirements and provide you with services and the benefits of our Services and successfully run our business. However, even if you request a deletion, we may be required to maintain your information for as long as necessary to:

• comply with our legal or regulatory compliance needs (e.g. maintaining records of transactions you have made with us);
• to exercise, establish or defend legal claims; and/or
• to protect against fraudulent or abusive activity on our service.

13. This means we may keep different information for different periods. If your account is canceled because you’ve not used it in a long time, we may delete this information at any time.

14. There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your personal information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

15. UPDATING YOUR INFORMATION

A. How to Update your MoneyMate Information

Once you have registered for a MoneyMate account, you may update or correct your profile information and preferences at any time by emailing [email protected] through the Site.

XI. DEACTIVATING YOUR ACCOUNT

16. We do not delete information about you upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. Upon deactivation, you will no longer receive emails from us and links to third-party financial accounts, and Services will automatically terminate.

A. UNSUBSCRIBING

B. How to Unsubscribe From Email Communications

17. If you do not wish to receive email offers or newsletters from us, you can opt out of receiving emails from us (except for emails related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions through the Services) by using the unsubscribe process at the bottom of any marketing email from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics.

C. How to Unsubscribe from SMS Communications

18. We may provide our registered Fundera customers with SMS alerts regarding their activity on the Service. Registered customers have the ability to opt out of receiving these SMS alerts by texting the word STOP to 646-760-3048. You may also reply STOP to any message you receive from us. Upon receipt of your STOP message, we will send you a SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive any further SMS messages from Fundera. If you need any assistance, you can always text the word HELP to 646-760-3048 or reply HELP to any message you receive from us. Upon receipt of your HELP message, we will respond with STOP instructions and a link to relevant Terms of Service and Privacy Policy.

D. Our Commitment to Data Security

We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you transmit to us through the Services or store on the Site, and you do so at your own risk.

E. Our Commitment to Data Security

19. We employ physical, managerial, and technical safeguards to protect the integrity and security of your information. However, we cannot guarantee the security of information transmitted to us through the Services.

F. California Privacy Rights

This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to that law. Most of our data collection, use, and sharing practices are governed by our Gramm-Leach-Bliley Privacy Policy referenced above. However, if you are a California resident, the CCPA may apply to our Services as they relate to business products featured on our site (for example, business credit cards and small business loans). Please review our California Privacy Policy for our California privacy disclosures and information on how to exercise your CCPA rights.

20. International Users

The Services provided by MoneyMate are primarily intended for visitors located within the United States. To ensure compliance with regulations, access to the Services through IP addresses outside of the United States has been blocked. If you are accessing the Services from outside the United States, we regret any inconvenience this may cause and appreciate your understanding. Please be aware that the information we provide and the third-party products and services featured are tailored for the United States market. By choosing to use the Services from outside the United States, you acknowledge and agree to the blocking of IP addresses and the limitations associated with accessing the Services in regions beyond our intended scope.

For any inquiries or concerns related to international access, please contact us at [email protected].

EpocHarvest Inc. DBA MoneyMate

1441 Woodmont Lane SW, STE 1034, Atlanta, GA 30318

X. Children

21. Children under 16 are not permitted to use the Services. We do not knowingly collect personal information from children under 16, and we take steps to delete such information if discovered.

XI. In the Event of Merger or Sale

22. We reserve the right to transfer or assign collected information in connection with corporate transactions.

XII. Changes and Updates to This Privacy Policy

23. We may make changes to this Privacy Policy at any time. Material changes will be notified to you, while immaterial changes are effective upon posting.

XIII. Our Contact Information

24. If you have questions or comments about this Privacy Policy or your personal information, please contact us at [email protected].

EpocHarvest Inc. DBA MoneyMate   

1441 Woodmont Lane SW, STE 1034, Atlanta, GA 30318

Thank you for reviewing our Privacy Policy.