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JavaScript is disabled! please enable JavaScript inis being used, including the pages visitors are viewing. Cookies: . Most browsers offer instructions on how to reset the browser to reject cookies in the Help” section of the toolbar. Rejecting cookies will prevent further use of the AccountChek and AccountChek 3n1 services. Information We Collect from Others We collect information about borrowers from the lender who orders the account verification, from the financial institution(s) that provide the account verification data, and from the payroll provider’s that provide the employment and income verification data. The information provided by the lender includes the borrower’s name, e-mail address, telephone number, the last four digits of his/her Social Security Number (for identity authentication), and the name of the borrower’s employer(s). The information we receive from the borrower’s financial institution(s) includes the summary and transactional information from the accounts the borrower allows us to verify. The information we receive from the borrower’s payroll provider(s) includes the summary of employment information and income information from the accounts the borrower allows us to verify. We will share this information in individually identifiable form only in accordance with this statement and our policies. We may share aggregated, non-personal information. This may include information we obtained from third parties in a form that does not reasonably permit the borrower to be identified. AccountChek works to deliver accurate, complete, and current borrower information by pulling information directly from the borrower’s financial institution and payroll provider via online credentials. Data can be refreshed by the lender as needed to fulfill underwriting obligations for the duration of the order. HOW WE USE THE INFORMATION WE COLLECT AccountChek and AccountChek 3n1 use the information we collect to provide verification and analysis of a borrower’s asset accounts, employment information, and income data, respectively, to the requesting lender, to administer our web site, and to improve our service. AccountChek and AccountChek 3n1 do not sell, share, license or transmit borrower information with or to third parties without the express authorization of the borrower. WHO SEES THE INFORMATION WE COLLECT? We will not disclose this information except as described in this policy. Verification Service delivery: We will disclose the information we receive from the borrower’s financial institutions and/or payroll provider to the requesting lender, as well as to any other parties that the borrower authorizes us to provide such information, to deliver the Verification of Deposit, Asset, Income, and/or Employment services. Disclosure for legal reasons: We may release personal information to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or (2) in special cases, such as a physical threat to the borrower or others, a threat to homeland security, a threat to our system or network, or cases in which we believe it is reasonably necessary to investigate or prevent harm, fraud, abuse, or illegal conduct. If we are legally compelled to disclose your personal information to a third party, we will make reasonable efforts to notify the borrower unless doing so would violate the law or court order. Agents and contractors: Contractors who assist in operating our business and providing products or services sometimes have access to borrowers’ personal information. These contractors include vendors and suppliers that provide us with technology, services, and/or content for the operation and maintenance of our site. Access to borrowers’ personal information by these contractors is limited to the information reasonably necessary for the contractor to perform its limited function. Contractors have an obligation under their contracts with us to keep borrower information confidential and to comply with our privacy and security policies. Some of these relationships may be with companies that co-brand portions of their site and services, or that provide services to borrowers on our behalf. Co-branded sites may have their own privacy policies posted on their sites. If you visit a co-branded site, please read the privacy policy that is posted on that site. Direct Employees of AccountChek: Employees are NOT authorized to download information that is not directly related to their work. Prior to downloading any software tools, all employees are advised to notify an Operations staff member of this intention. If help is needed, the local system administrator will provide support. Employees are NOT authorized to download data from any production, stage, or QA system without prior written approval. Prior to downloading any data, all employees must follow the Data Privacy Download Procedures. This includes any and all data that is confidential, sensitive or legally protected, including log files. AccountChek is owned by Informative Research ("IR"). Employees must follow the IR Privacy Policy and adhere to the IR Privacy Principles or be subject to disciplinary action per the IR Employee Handbook. Employees will be required to sign off yearly that they have read and understand this policy. Changes in our corporate structure: If all or part of our company is sold, merged or otherwise transferred to another entity, the personal information you have provided to us may be transferred as part of that transaction. We will take steps to ensure that any personal information that is transferred will not be used or shared in a manner inconsistent with the Privacy Policy under which it was collected. HOW WE SAFEGUARD PERSONAL INFORMATION We are committed to protecting the security of borrowers’ private information through procedures and technology designed for this purpose. This includes, but is not limited to: Limiting access to personal information to only those employees who have a reasonable need to access this information in order to provide our products and services. Employees who misuse information are subject to disciplinary action, including termination; Utilizing physical, technical, and procedural safeguards to help protect borrowers’ personal information; and Using secure transport layer security (TLS) to help protect this information while it is in transit between our servers and others’ computers and hardware encryption devices. We use AES-256 encryption while it is being stored on our servers. WHAT BORROWERS CAN DO TO HELP KEEP PERSONAL INFORMATION SECURE Log out and close the browser: Closing the browser at the end of a session erases any information it may have temporarily stored on your computer. Install antivirus software and spyware protection: Installing up-to-date antivirus software and running it often will help thwart viruses and other unwanted programs that can capture the contents of a borrower’s system, including passwords. CHANGES TO THIS POLICY We may change our privacy policy in the future, but we will not change our practices until they have been posted at this website. If changes occur, we will also show the date of revision. By using our web sites, to which this privacy policy applies, you agree that we may notify you of changes in our privacy policy through this website. Responsibility and accountability for developing, documenting, implementing, enforcing, monitoring, and updating the Privacy Policy falls to the Compliance Team whose contact information is available on the company intranet and web page. Privacy Incident of Breach In the event that IR suspects that borrower information has been compromised, IR will make every effort to contact and inform borrowers per its Incident Response Plan. This will include phone call or email. CONTACT The AccountChek suite of products are automated asset, employment, and/or income verification services provided by Informative Research. If...