This Privacy Policy explains how Personify Finance App ("we," "us," or "our") collects, uses, discloses, and protects information when you visit personifyfinanceapp.com or use our services. By using this website you agree to the practices described below.
1. Information we collect
Information you provide to us
When you check your rate or apply for a Personify Finance loan through our platform, you may provide: your full name, address, date of birth, Social Security number, phone number, email, employment and income information, bank account information, and government-issued ID. You may also provide information when you contact us, submit a review, or sign up for communications.
Information we collect automatically
When you visit our site we may collect: IP address, device and browser type, operating system, referring URL, pages visited, time on page, and general location (derived from IP). We use standard cookies, pixel tags, and similar technologies for site analytics and functionality.
Information from third parties
We may receive information about you from credit bureaus (for soft and hard inquiries), identity verification providers, income and employment verification services, and marketing partners who referred you to Personify Finance App.
2. How we use information
- To process your Personify Finance rate check and loan application
- To verify your identity, income, and bank account
- To underwrite credit decisions in compliance with the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA)
- To service your loan — including communications about payments, due dates, and account status
- To report account activity to major credit bureaus
- To comply with legal and regulatory obligations
- To improve our website, products, and borrower experience
- To send marketing communications you have opted into (you may unsubscribe at any time)
3. How we share information
We share information in limited circumstances, including:
- With Personify Finance lending partners and funding banks as needed to process and service your loan
- With service providers that help us verify identity, process payments, and operate the site
- With credit bureaus to report account performance
- In response to lawful requests from government authorities
- In connection with a corporate transaction (merger, acquisition, financing)
We do not sell your personal information for monetary consideration.
4. Your choices and rights
Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information; to opt out of certain types of information sharing; and to be free from discrimination for exercising those rights. California residents have additional rights under the CCPA/CPRA. To exercise any of these rights, contact us using the contact form.
5. How we protect your information
Personify Finance App uses industry-standard administrative, technical, and physical safeguards — including 256-bit SSL encryption in transit and encryption at rest for sensitive fields — to protect personal information. No system is 100% secure, but we work continuously to minimize risk.
6. Children's privacy
This website is not directed to children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided information to us, please contact us so we can delete it.
7. Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top of the page reflects the most recent change. Material changes will be announced on this site.
8. Contact us
Questions about this Privacy Policy? Use our contact form.