Privacy Policy
Last Updated: February 15, 2025
1. Introduction
This Privacy Policy explains how EQTY LYFE (“we,” “us,” or “our”) collects, uses, shares, and protects your personal information when you visit or use our website [www.eqtylyfe.com] (the “Site”) or engage with our products and services. By using the Site, you agree to this Policy, our [Terms of Use], and [Credit Report Policy]. If you disagree, discontinue use immediately.
2. Information We Collect
We collect personal information in three ways:
- Directly From You
- Contact Data: Name, email, phone number, mailing address.
- Financial Data: Income, credit score, Social Security Number, bank account details.
- Application Data: Property details, employment history, government ID (e.g., driver's license).
- Communications: Messages via email, chat, or phone.
- Automatically Through Technology
- Device Data: IP address, browser type, operating system, device identifiers.
- Online Activity: Pages visited, time spent, links clicked, location data (e.g., city/state from IP).
- Cookies & Tracking: We use cookies, web beacons, and session replay tools (e.g., PostHog) to improve Site functionality and analyze trends.
- From Third Parties
- Credit Bureaus: Experian, Equifax, TransUnion.
- Public/Private Sources: Government records, data licensors, marketing partners.
3. How We Use Your Information
We use your personal information to:
- Process applications and transactions.
- Verify your identity and prevent fraud.
- Communicate with you (e.g., updates, support).
- Personalize content and marketing.
- Improve our services and develop new offerings.
- Comply with legal obligations (e.g., subpoenas).
4. How We Share Your Information
We may share your information with:
- Service Providers: IT, payment processors, credit bureaus.
- Affiliates: Subsidiaries for business purposes.
- Advertising Partners: For targeted ads (opt-out options below).
- Legal/Regulatory Authorities: As required by law.
- Business Transferees: In mergers, acquisitions, or asset sales.
We do not sell your personal information for monetary gain.
5. Your Choices
- Opt-Out of Marketing
- Email: Click "unsubscribe" in marketing emails.
- Text: Reply STOP to opt out of SMS.
- Cookies & Tracking
- Adjust browser settings to block cookies or use privacy plugins.
- Opt out of targeted ads via:
- Access, Delete, or Correct Data
- Submit requests via:
- Email: [contact@eqtylyfecorp.com]
6. Security
We implement safeguards to protect your data, including:
- Encryption: For data in transit and at rest.
- Access Controls: Limited to authorized personnel.
- Audits: Regular monitoring for vulnerabilities.
- Incident Response: Breach notification as required by law.
No system is 100% secure. Report concerns to [contact@eqtylyfecorp.com]
7. Retention
8. Third-Party Links
9. Children’s Privacy
10. California Privacy Rights (CCPA)
California residents have the right to:
- Know what personal information we collect, use, and disclose.
- Delete their data (exceptions apply).
- Correct inaccurate information.
- Opt-Out of "sales" or "sharing" of data for targeted ads.
- Submit CCPA requests via:
- Email us: [contact@eqtylyfecorp.com]
- Call us: 123-456-7890
Non-Discrimination: We will not penalize you for exercising your rights.
Categories of Personal Information Collected (Past 12 Months):
| Category | Examples | Shared With |
|---|---|---|
| Identifiers | Name, SSN, email, IP address | Service Providers, Affiliates |
| Financial Data | Bank accounts, credit history | Credit Bureaus |
| Geolocation | City/state from IP | Advertising Partners |
| Internet Activity | Browsing history, cookies | Analytics Providers |
11. Updates to This Policy
12. Contact Us
EQTY LYFE
Email: [contact@eqtylyfecorp.com]
© 2025 EQTY LYFE. All rights reserved.