Privacy Policy
EQUIDY INC
PRIVACY POLICY
Policy Last Updated: April 7, 2025
This Privacy Policy (the “Policy”) describes how Equidy Inc and its affiliated companies (“Equidy,” “we,” “our,” “us,” or the “Company”) collect, use, disclose, store, and protect Personal Information about you (“you,” “your,” or “consumers”) in connection with our services, website, software, electronic communications, and all subdomains and application programming interfaces related to www.equidy.com (collectively, the “Platform”). This Policy is designed to comply with the California Consumer Privacy Act of 2018 (“CCPA”), as amended, and by using or accessing our Platform or interacting with us, you consent to the terms described herein.
1. Introduction
Equidy is committed to safeguarding your privacy and ensuring responsible use of your Personal Information. "Personal Information" refers to any information that identifies, relates to, or can reasonably be linked with a particular individual or household. It may include, but is not limited to, Sensitive Personal Information, such as:Social security or government-issued identification numbersFinancial account or login informationPrecise geolocationCitizenship, ethnicity, or union membershipContents of personal communications (not directed to Equidy)Biometric or health dataWe may collect this information directly from you or from documents and communications you provide through our Platform. If you choose not to provide certain Personal Information, some features or services may be unavailable to you.This Policy does not cover third-party websites or services that may be linked to or integrated with our Platform. We encourage you to review the privacy policies of those providers directly.
2. Categories of Personal Information We Collect
We may collect the following categories of Personal Information:
- Contact Information: Name, address, phone number, email, etc.
- Financial Information: Bank account details, credit data, income, tax return information, etc.
- Identifiers: Social Security number, driver’s license, passport, etc.
- Employment & Background Info: Job history, assets, net worth, date of birth, etc.
- Device & Usage Data: IP address, browser type, cookies, access logs, and interactions on our Platform.
3. Methods of Information Collection
We collect Personal Information through:
- Direct Interactions: Submitting forms, applying for loans, uploading documents, contacting support, or communicating via phone/SMS/email.
- Automated Technologies: Cookies, web beacons, pixels, and similar tracking technologies to collect browsing behavior, device identifiers, and session data.
- Third Parties: Credit reporting agencies, background check providers, social networks (if you link accounts), and others that help provide services or information related to your application or relationship with Equidy.
4. Combining Information
We may combine Personal Information collected online with offline information, or combine data across devices, sessions, or services to enhance your experience or comply with regulations.
5. Information Collected Automatically
Tracking technologies such as cookies and analytics tools (e.g., Google Analytics) are used to monitor user behavior and improve the Platform. You can manage your cookie preferences through your browser settings. Note that disabling cookies may impact the functionality of some Platform features.
We do not currently respond to "Do Not Track" signals from browsers.
6. Your Choices
You may:
- Opt-Out of Marketing Emails by following the unsubscribe link in any message or emailing us at privacy@equidy.com.
- Limit the Use of Sensitive Personal Information by contacting us through the same email.
- Control Cookies through your browser or device settings.
Note: Even if you opt out of promotional messages, you will still receive essential transactional communications.
7. How We Use Your Information
We use Personal Information to:
- Process loan applications and service existing loans
- Communicate with you regarding your accounts or our services
- Evaluate job applications and onboard employees or vendors
- Improve the Platform’s functionality, security, and user experience
- Provide personalized marketing (where legally allowed)
- Comply with legal, regulatory, and contractual obligations
8. How We Disclose Personal Information
We may share Personal Information with:
- Service Providers: For loan servicing, IT support, document processing, communications, and analytics.
- Business Partners & Affiliates: For joint promotions, investment opportunities, or enhanced loan offerings.
- Advertisers: To deliver targeted ads based on user interaction.
- Corporate Transactions: During mergers, acquisitions, or asset sales.
- Legal Authorities: In response to lawful requests, subpoenas, or legal claims.
We do not share SMS or phone number information with third parties for marketing purposes.
9. Consent for SMS Communication
If you opt in to receive SMS messages from Equidy, you may receive text notifications related to services you requested, such as:
- Account updates
- Transactional messages
- Support interactions
Opt-in message:
"Thank you for subscribing to Equidy SMS alerts. Reply STOP to unsubscribe. Message and data rates may apply."
10. Retention of Personal Information
We retain Personal Information as long as necessary to:
- Fulfill the purposes outlined in Section 7
-Meet legal, regulatory, and contractual obligations
11. Data Security
Equidy uses administrative, technical, and physical safeguards to protect Personal Information. However, no method of data transmission over the internet is completely secure. We strive to keep your information safe, but we cannot guarantee absolute protection.
12. Children’s Privacy
Our Platform is not intended for children under 13. We do not knowingly collect information from children without appropriate consent. If you believe your child has submitted data to us, please contact us at privacy@equidy.com.
13. California Residents – Your Rights Under CCPA
If you are a California resident, you may:
- Access the categories and sources of Personal Information we collect
- Receive a Copy of specific pieces of your information
- Request Deletion of your Personal Information (with exceptions)
- Request Correction of inaccurate data
- Opt-Out of the sale or sharing of Personal Information
- Not be Discriminated Against for exercising these rights
To make a request, email privacy@equidy.com or call us toll-free at (925) 223-8900. We may verify your identity by matching the information you provide with data we maintain.
14. Changes to This Privacy Policy
We may update this Policy periodically. The latest version will always be available on our Platform, and any significant changes will be highlighted.
15. Contacting Us
For questions, requests, or concerns regarding this Policy, please contact:
Equidy Inc
Email: privacy@equidy.com
Mail: 517 Sycamore Valley Road, Danville, CA 94526
Phone: (925) 223-8900