Privacy Policy

This Privacy Policy describes how Satidain and our subsidiaries and affiliates (collectively, "Satidain," "we", "us," or "our") process personal information that we collect through our website and our other activities described in this Privacy Policy.

Recording notice: We and our third party vendors may monitor and record your use of the Service and your communications with us for the purposes described in this Privacy Policy.

California, Connecticut, Minnesota, & Oregon Residents: See the State Law Privacy Rights section below for important information about our handling of your personal information and your rights under applicable state laws.

If you have applied for or used our financial products or services, our U.S. Consumer Privacy Notice also applies. You also have certain rights under the Fair Credit Reporting Act.

You can click the links below to jump to specific sections, but we recommend that you read this Privacy Policy in its entirety.

• Personal information we collect
• How we use your personal information
• How we share your personal information
• Your choices
• Other sites and services
• Security
• International data transfers
• Children
• Changes to this Privacy Policy
• How to contact us
• State Law Privacy Rights

Personal information we collect

Information you provide to us

Personal information you may provide to us through the Service or otherwise includes:

• Contact data, such as your first and last name and email address.
• Application data, such as your first and last name, email address, mailing address, phone number, home address, estimated home valuation, and other information you provide when you submit a prequalification request or application for one of our financial products.
• Communications data about our communications with you, including when you contact us through the Service, social media, email, text messages, or otherwise, including the date, time, and contents of the message, and the email addresses, phone numbers (and carrier name), and social media handles from which your messages are sent.
• Transactional data pertaining to your transactions with us, including information about any financial products we provide you.
• Relationship data, such as the personal information of relatives or third parties that you provide to us.
• Financial data, such as your stated income, credit score and credit history, and financial account numbers.
• Government identification data, such as national identification number (e.g., Social Security Number, tax identification number, passport number), state or local identification number (e.g., driver’s license or state ID number), and an image of the relevant identification card.
• Survey data, including information you share when you choose to participate in a survey.

We may also collect other data not specifically listed here and will use it as described in this Privacy Policy or as otherwise disclosed at the time of collection.

Third-party sources

We may combine personal information we receive from you with personal information that we obtain from other sources, such as:

• Public sources, such as government agencies, public records, and other publicly available sources.
• Private sources, such as data licensors.
• Marketing partners, such as joint marketing partners.
• Third-party services, such as financial institutions from which you authorize us to retrieve your information for use in connection with our review of your application for our products or services.

Automatic data collection

We, our service providers, and our advertising partners may automatically log information about you, your computer or mobile device, and your interaction over time with the Service, our communications, and other online services.

• Device data, such as operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type, IP address, unique identifiers, language settings, mobile device carrier, radio/network information, and general location data.
• Online activity data, such as pages or screens you viewed, your search terms, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths, activity on a page or screen, access times and duration of access, and interaction with our emails.
• Location data, including general location associated with your IP address or, when authorized, more precise location information.

Cookies and other technologies

• Cookies, including session, persistent, first-party, and third-party cookies.
• Local storage technologies, like HTML5 storage.
• Web beacons, also known as pixel tags or clear GIFs.
• Chat technologies, which enable chat features and may involve monitoring and recording chats.
• Session replay services, which record user interactions for usability analysis and service improvement. For example, PostHog: https://posthog.com/privacy.

How we use your personal information

We may use your personal information for the following purposes or as otherwise described at the time of collection:

Service delivery and operations

• Provide, operate, and improve the Service and our business, including developing and training artificial intelligence (AI) models.
• Communicate with you about the Service, including announcements, updates, security alerts, support, and administrative messages.
• Administer and communicate with you about surveys in which you choose to participate.
• Understand your needs and interests and personalize your experience with the Service and our communications.
• Provide support for the Service, including quality assurance monitoring of support calls and training support personnel.

Marketing and advertising

• Direct marketing. We may send direct marketing communications via mail, email, or text messages as permitted by law.
• Targeted advertising. Our third-party partners may collect information about your interactions over time and across devices to serve relevant ads and measure effectiveness.

Research and development

We may use personal information for research and development to improve the Service and develop new products and services. We may also create aggregated, de-identified, and/or anonymized data and use or share such data for lawful business purposes.

Compliance and protection

• Comply with applicable laws, lawful requests, and legal process.
• Protect rights, privacy, safety, or property.
• Audit internal processes for compliance with legal and contractual requirements.
• Enforce terms and conditions that govern the Service.
• Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, unethical, or illegal activity.

Cookies and related purposes

• Service delivery and operation by remembering preferences and supporting authentication.
• Interest-based advertising as described above.
• Research and development to understand user activity and improve the Service.
• Artificial Intelligence technologies, including generative AI, for processing personal information as described in this Privacy Policy.

We use Google Analytics cookies for analytics purposes. Learn more and opt out here: https://tools.google.com/dlpage/gaoptout?hl=en.

How we share your personal information

We may share the categories of personal information listed above with (or allow collection by) the parties below:

• Affiliates, including corporate parent, subsidiaries, and affiliates.
• Service providers, such as hosting, IT, customer support, analytics, chat, marketing, and AI providers.
• Advertising partners, for targeted advertising purposes.
• Professional advisors, such as lawyers, auditors, bankers, and insurers.
• Authorities and others, including law enforcement and government authorities where permitted or required by law.
• Business transferees in connection with mergers, acquisitions, reorganizations, or other corporate transactions.

Your choices

Opt-out of marketing communications

You may request to opt out of marketing emails by following unsubscribe instructions in emails or by emailing support@equityaccessreview.com.

If you opt out of marketing, you may still receive service-related and other non-marketing communications.

Cookies

Most browsers let you remove or reject cookies through browser settings. For more information, visit www.allaboutcookies.org.

Blocking web beacons

Most browsers allow you to prevent images that would include web beacons/clear GIFs from loading.

Advertising choices

You may be able to limit targeted advertising through:

• Browser settings to block third-party cookies.
• Privacy browsers and ad-blocking plug-ins.
• Platform settings: Google, Facebook.
• Industry opt-out programs: Network Advertising Initiative, Digital Advertising Alliance.

Do Not Track

Some browsers send “Do Not Track” signals. We currently do not respond to “Do Not Track” signals. Learn more at http://www.allaboutdnt.com. We do respond to Global Privacy Control (GPC) signals as described below.

Declining to provide information

We need certain personal information to provide services. If required information is not provided, we may be unable to provide those services.

Other sites and services

The Service may contain links to websites, mobile applications, and online services operated by third parties. We do not control third-party services and are not responsible for their actions. We encourage you to read their privacy policies.

Security

We employ technical, organizational, and physical safeguards designed to protect personal information, aligned with applicable U.S. privacy regulations and industry best practices.

These safeguards include:

• Data encryption in transit and at rest.
• Access controls limiting data access to authorized personnel.
• Regular monitoring and testing to identify vulnerabilities.
• Audit trails and logging mechanisms for accountability.
• Incident response procedures for detection, mitigation, and notification as required by law.

We provide regular privacy and security training for employees. However, no system can guarantee absolute protection. If you have concerns, contact us at support@equityaccessreview.com.

International data transfer

We are headquartered in the United States and may use service providers in other countries. Personal information may be transferred to the United States or other locations where privacy laws may differ.

Children

The Service is not intended for anyone under 18 years of age. If you believe we collected personal information from a child in violation of law, email support@equityaccessreview.com.

Changes to this Privacy Policy

We may modify this Privacy Policy at any time. If material changes are made, we will update the date and post the revised policy on the Service or by other appropriate means. Continued use of the Service after changes become effective indicates acceptance of the modified Privacy Policy.

How to contact us

Email: support@equityaccessreview.com

Mail: Satidain, Attn: Legal Department, Privacy

Phone: (888) 764-6823

State Law Privacy Rights

Additional information for California, Connecticut, Minnesota, & Oregon residents

Scope. Except as otherwise provided, this section applies only to residents of California, Connecticut, Minnesota, Oregon, and other U.S. states with privacy laws applicable to us that grant their residents the rights described below (such laws, “State Privacy Laws”). The rights described and disclosures made below apply to you only as required in your state of residence.

This section contains information about our practices required by State Privacy Laws. For purposes of this section, “personal information” has the meaning given to “personal data,” “personal information,” or similar terms under the applicable State Privacy Law in which you reside but does not include information exempt from those laws.

For example, the California Consumer Privacy Act (“CCPA”) and state privacy laws in Connecticut, Minnesota, and Oregon do not apply to information covered by our U.S. Consumer Privacy Notice or handled in accordance with the Fair Credit Reporting Act.

Your privacy rights. If you’re a resident of a state with a State Privacy Law, you may have the following rights under applicable law:

• Right to know. Depending on your state of residence, you can request confirmation about whether or not we are processing or have processed your personal information; information about the categories of personal information that we are processing or have processed; the categories of sources from which we collected personal information; the business or commercial purpose for collecting, sharing and/or selling personal information; the categories of any personal information that we shared, sold or disclosed for a business purpose; the categories of any third parties with whom personal information was sold, shared, or disclosed; and a list of third parties to which we have disclosed or sold your personal information. The specific information that may be requested varies depending on your state of residence. Where permitted by the relevant State Privacy Law, we may provide you with a list of the third parties to which we have disclosed or sold personal information of any resident in the relevant state.
• Right to access. You can request a copy of certain personal information that we have collected about you in a portable, and where technically feasible, readily-usable format that can be transferred to a third party without hindrance.
• Right to deletion. You can request that we delete personal information about you.
• Right to correction. You can request that we correct inaccurate personal information that we have collected about you.
• Right to opt-out. Opt-out rights vary by state:
  • Processing/sharing for targeted advertising purposes. You can opt out of certain sharing and other processing of personal information for the targeted advertising purposes described in the targeted advertising services section above.
  • Sales of personal information. You can opt out of “sales” of your personal information as defined by State Privacy Laws. We do not “sell” personal information as defined by State Privacy Laws, except to the extent the use of targeted advertising services described above constitutes a “sale” under such laws.
  • Profiling rights. You may have the right to request to opt-out of certain types of “profiling” or use of automated decision-making technologies, as defined in applicable State Privacy Laws that will have a legal or similarly significant effect on you, and also have certain other rights with respect to such profiling or use of such technologies. However, we do not currently engage in such profiling or use such technologies.
• Nondiscrimination. You are entitled to exercise the rights described above free from discrimination as prohibited applicable state law.

To submit a request to exercise your rights to know, access, correction, or deletion, submit an online request here or calling us at (855) 245-3614. You may also appeal our response to your request to exercise privacy rights via the same submission process described above.

To submit a request to opt-out with respect to personal information sharing/sales/processing for targeted advertising facilitated by cookies and other web technologies used by the Service, click “Your Privacy Choices” at the bottom of our webpage and follow the instructions or enable the Global Privacy Control (GPC) signal from your browser before you visit our site. Learn more at the Global Privacy Control website: https://globalprivacycontrol.org. Your request will apply only to the browser and the device from which the request is submitted.

To opt-out of any sharing/sales of personal information that results from our activities not covered by opt-out requests submitted through the mechanisms described in the paragraph above (such as manual sharing of personal information that is not facilitated by cookies or other web technologies), submit an opt-out request here.

The rights described above are not absolute, and in certain cases, we may decline your request as permitted by law. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.

Identity verification. We need to verify your identity to process your requests to exercise your rights to know, access, deletion, and correction, and we reserve the right to confirm your state of residency so that we know which state law applies. To verify your identity, we may require you to provide identifiers we can match against information we may have collected from you previously, confirm your request using the email or telephone number stated in the request, provide government identification, or provide a declaration under penalty of perjury, where permitted by law.

Authorized agents. Your authorized agent may make a request on your behalf upon our verification of the agent’s identity and our receipt of a copy of a valid power of attorney given to your authorized agent pursuant to applicable state law. If you have not provided your agent with such a power of attorney, we may ask you and/or your agent to take additional steps permitted by law to verify that your request is authorized, such as information required to verify your identity and that you have given the authorized agent permission to submit the request.

Sensitive personal information. To the extent that state privacy law where you live classifies data you voluntarily provide to us as “sensitive,” you agree that by providing this sensitive data you affirmatively confirm that you freely give your informed, unambiguous agreement to our use and disclosure of this data for the purposes explained at the time of collection or otherwise as described in this Privacy Policy. You may contact us to withdraw or revoke such consent if you are unable to do so via mechanisms we may provide via the Service.

Retention of personal information. We generally retain personal information to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes. The length of time we retain particular categories of personal information is determined based on whether it is sufficient to achieve such purposes. When we no longer require the personal information, we may either delete it, anonymize it, or isolate it from further processing.

Additional information for California residents

The following provides additional information for California residents.

Information practices. The following describes our practices currently and during the past 12 months:

• Sources and purposes. We collect all categories of personal information from the sources and use them for the business/commercial purposes described above in the Privacy Policy.
• Sensitive personal information. We do not use or disclose sensitive personal information for purposes that California residents have a right to limit under the CCPA.
• Children. We are required to inform you that we have no actual knowledge that we have sold or shared the personal information of California residents under 16 years of age.
• Collection and disclosure. The chart below describes the personal information we collect by reference to the categories of personal information specified in the CCPA (Cal. Civ. Code §1798.140), and the categories of third parties to whom we disclose it. The terms in the chart refer to the categories of information and third parties detailed above in the Personal information we collect section. Information you voluntarily provide to us, such as in free-form webforms, may contain other categories of personal information not described below. We may also disclose personal information to professional advisors, law enforcement and government authorities, and business transferees as described above in the How we share your personal information section of this Privacy Policy.