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Last Updated: March 15, 2021
Last Updated: 7/31/2024
AccountChek by Informative Research (“AccountChek”) provides its service to You, subject to the following Terms of Service ("TOS" or "Agreement"), which may be updated by us from time to time without notice to You. You can review the most current version of the TOS at any time at: https://verifier.accountchek.com/tos . In addition, when using AccountChek services, You and AccountChek shall be subject to any posted guidelines or rules applicable to such services which may be posted from time to time. By connecting to and using this Site, You agree to be bound by all of the terms and conditions set forth herein.
AccountChek offers a technology-based deposit, asset, employment, and/or income verification service (the “Service”) designed to make it easier for a lender to verify and monitor the deposits, assets, employment status, and/or income of a prospective or current borrower by performing the following on your behalf: (1) Securely retrieving balances and transaction detail from the borrower’s accounts at one or more financial institutions and/or securely retrieving employment and income details from the borrower’s accounts with one or more payroll provider; (2) Delivering this information to the lender; (3) providing for updates to your Initial lender over a specified monitoring period.
"You" or "your" means the consumer who is being licensed to use the Service or Documentation and is providing AccountChek access to his or her financial, investment and/or payroll accounts.
"Service" means any services and products offered by AccountChek, the Site, all content of the Site, all Software, in whole or in part (including but not limited to the AccountChek, AccountChek Plus, and AccountChek 3n1 executables, libraries, examples, interface definitions, associated media and printed materials) which create, enable, relate to, and or facilitate the Service (or functionality thereof), and any online (PDF, Flash, or HTML) or other related documentation.
We hereby grant You, a single user, a non-transferable, nonexclusive, restricted license to use (only in delivered code form) the Service through one (1) account to enable secure access to Your financial account(s) balances, transaction detail, employment status, and/or income amount may include any liens or judgments that may be identified through public record sources as described herein.
You may, subject to the terms and conditions of the TOS, allow Your immediate family and accountants or financial advisors to review Your records, data, compilation, reports, generated with the use of this Service, provided that any such authorized users agree to and abide by the terms and conditions of this agreement.
The Service is licensed to You pursuant to this Agreement, not sold. AccountChek remains the owner of all right, title and interest in the Service. Any copy, modification, revision enhancement, adaptation, translation, or derivative work of or created from the Service made by or at Your direction shall be owned solely and exclusively by AccountChek, as shall all patent rights, copyrights, trade secret rights, trademark rights, and all other proprietary rights, worldwide (all the foregoing rights taken together being referred to collectively herein as "Intellectual Property Rights") therein and thereto.
The Service is protected by United States copyright laws and international treaties. You must treat the Service like any other copyrighted material (for example, a book). You may not:
In consideration of Your use of the Service, You represent, agree, and warrant that You:
You also agree to: (a) grant us permission to access your financial, investment, and/or payroll accounts to which you provide us your sign-on credentials (each, a “Disclosed Account”). Your permission for us to access a Disclosed Account shall be deemed to:
You expressly agree that by using the Service and or by agreeing to the terms herein, you are (1) authorizing AccountChek and its agents to access third party sites designated by you on your behalf, retrieve the information listed in the paragraph immediately above and provide such information to the lender you request, as well as to any secondary market investor, requested by the lender, that may purchase your loan, and (2) appoint AccountChek and its agents as your agent for this limited purpose, with full power and authority to perform acts necessary in connection with such activities.
By entering the account credentials for your financial account(s) and/or payroll account(s), you are permitting AccountChek and its agents to process your request and use information submitted by you to accomplish the foregoing for the duration of the Monitoring Period. YOU ACKNOWLEDGE THAT IT IS YOUR RESPONSIBILITY TO EXERCISE SOUND JUDGMENT AND COMMON SENSE WHEN DEALING WITH INDIVIDUALS YOU DON’T KNOW AND WHEN DECIDING WHETHER AND WITH WHOM TO SHARE YOUR DEPOSIT, ASSET, AND/OR PAYROLL INFORMATION, AND YOU AGREE THAT YOUR INTERACTIONS WITH SUCH INDIVIDUALS, INCLUDING YOUR ACCESS TO AND USE OF THE SERVICE IS AT YOUR OWN RISK. ADDITIONALLY, YOU ACKNOWLEDGE AND AGREE THAT NEITHER ACCOUNTCHEK, NOR ITS DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS, OR AFFILIATED COMPANIES, ARE RESPONSIBLE OR LIABLE TO YOU FOR ANY ACTIONS TAKEN OR DECISIONS MADE BY ANY INDIVIDUAL WITH WHOM YOU HAVE SHARED YOUR DEPOSIT, ASSET, AND/OR PAYROLL INFORMATION.
YOU ACKNOWLEDGE AND AGREE THAT WHEN ACCOUNTCHEK OR ITS AGENTS ACCESS AND RETRIEVE INFORMATION FROM THIRD PARTY SITES, ACCOUNTCHEK AND ITS AGENTS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that the third party account providers shall be entitled to rely on the foregoing authorization and agency granted by you. You understand and agree that this Service is not endorsed or sponsored by any third party account providers accessible through such Service.
You may choose to have this access terminated by contacting AccountChek at ac-compliance@informativeresearch.com wherein AccountChek shall remove your access permissions.
Nothing in this section, including the existence of this section, shall limit any of Your obligations as otherwise described within the TOS. If You provide any information that is untrue, inaccurate, not current or incomplete, or AccountChek has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, AccountChek has the right to suspend or terminate Your account and refuse any and all current or future use of the Service (or any portion thereof).
Subscriber Data and certain other information about You are subject to our Privacy Policy. For more information, see our full privacy policy, https://verifier.accountchek.com/privacy-policy . You understand that through Your use of the Service You consent to the collection and use (as set forth in the Privacy Policy) of this information.
You will be given account access credentials after Your lender has submitted a request for Electronic Verification of Assets (“VOA”), Verification of Employment (“VOE”) and/or Verification of Income (“VOI”) via the Service. You are responsible for maintaining the confidentiality of the credentials. You are fully responsible for all activities that occur under Your credentials. You agree to (a) immediately notify AccountChek of any unauthorized use of Your account or any other breach of security [by reaching out to ac-helpdesk@informativeresearch.com] and (b) ensure that You exit from Your account at the end of each session. AccountChek and its directors, officers, agents, employees, suppliers, licensors or affiliated companies, cannot and will not be liable for any loss or damage arising from Your failure to comply with this Section, or that You may incur as a result of someone else using Your credentials, either with or without Your knowledge. You agree and acknowledge that You may not use anyone else's credentials any time
You agree to indemnify and hold AccountChek and its directors, officers, agents, employees, suppliers, licensors or affiliated companies harmless from any losses, damages, claim or demand, including reasonable attorneys' fees or expenses incurred, made by any third party due to or arising out of Your use of and or connection to the Service, Your violation of the TOS, and or Your violation of any rights of another relating to the Service.
You acknowledge that AccountChek may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that subscriber data will be retained. You agree that AccountChek and its directors, officers, agents, employees, suppliers, licensors, or affiliated companies, have no responsibility or liability for the deletion or failure to store any subscriber data maintained or transmitted by the Service. You acknowledge that AccountChek reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that AccountChek reserves the right to modify these general practices and limits from time to time.
AccountChek reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that AccountChek and its directors, officers, agents, employees, suppliers, licensors, or affiliated companies shall not be liable to You or to any third party for any modification, suspension or discontinuance of the Service.
This Agreement will be deemed to have commenced upon the date You accept the TOS by selecting the I Accept the Terms of Service checkbox each time You login to the Service and remains effective until terminated. You may terminate it at any time by notifying AccountChek by e-mail and destroying all copies of the Service and Documentation in Your possession. You agree, on termination of this license, to cease any and all use of the Service and further to destroy all copies of the Service and Documentation in Your possession. You agree that Your obligations under the TOS (including but not limited to the requirement to maintain the confidentiality and security of AccountChek) remain with You even after termination of the TOS.
You agree that AccountChek may, under certain circumstances and without prior notice, immediately terminate Your access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by You (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems, (f) extended periods of inactivity, (g) suspicion or confirmation that You have engaged in fraudulent or illegal activities, and/or (h) nonpayment of any fees owed by Your lender in connection with the Services.
Termination of Your service includes but is not necessarily limited to: (a) removal of access to the Service, and (b) barring further use of the Service. Further, you agree that all terminations for cause shall be made in AccountChek's sole discretion and that AccountChek shall not be liable to You or any third-party for termination of Your account or access to the Service.
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. You acknowledge and agree that AccountChek has no control over such sites and resources, and AccountChek and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, are not responsible for the availability of such external sites or resources and does not endorse and nor are they responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that AccountChek and its directors, officers, agents, employees, suppliers, licensors, or affiliated companies, shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.
You acknowledge and agree that the Service contains trade secrets, proprietary know how and confidential information that are valuable and belong to AccountChek and are being made available to You in strict confidence, protected by applicable intellectual property and other laws. Content received through the Service may be displayed and printed for Your personal, non-commercial use only, as described herein. You may display and print Service compilations, spreadsheets, graphs, or materials which are generated from Your own personal account information, for Your own personal use. You may, on an occasional and irregular basis, disseminate an insubstantial portion of content from this Site, regarding Your personal information, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided You include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in this Site, original source attribution, and the phrase "Used with permission from Informative Research." You may not post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of AccountChek. You agree that neither You, your agents, nor Your employees shall in any manner use, disclose or otherwise communicate any information with respect to the Service, or related documents which might enable use or copying of all or any portion of the Service. You agree to take all necessary action to protect the confidential and proprietary information included in the Service and related documents.
Except as expressly allowed in this Agreement or authorized in writing by AccountChek, You agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service, or related documents, in whole or in part.
Neither party shall have any obligation with respect to Confidential or Proprietary Information which: (i) is or becomes generally known to the public by any means other than a breach of the obligations of the receiving party; (ii) was previously known to the receiving party or rightly received by a receiving party from a third party; or (iii) is independently developed by the receiving party; (iv) is required to be disclosed by a final order of a court of competent jurisdiction; or (v) is otherwise required to be disclosed by applicable law following reasonable notice to the disclosing party.
If You are legally compelled to disclose any of AccountChek’s Confidential or Proprietary information, then, prior to such disclosure, You will (i) promptly notify AccountChek in writing of the compulsion unless doing so would violate the terms of the order to disclose; (ii) assert the privileged and confidential nature of the Trade Secrets and (iii) cooperate fully with the AccountChek in protecting against any such disclosure and or obtaining a protective order narrowing the scope of such disclosure and/or use of the Trade Secrets.
ANY USE OR DISCLOSURE OF CONFIDENTIAL OR PROPRIETY INFORMATION RELATING TO THE SERVICE, SOFTWARE, RELATED DOCUMENTS, OR OF THE RELATED ALGORITHMS, PROTOCOLS, OR INTERFACES, OTHER THAN IN STRICT ACCORDANCE WITH THIS LICENSE AGREEMENT, MAY BE ACTIONABLE AS A VIOLATION OF ACCOUNTCHEK’S TRADE SECRET RIGHTS.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (i) YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ACCOUNTCHEK EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. (ii) ACCOUNTCHEK MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (v) ANY ERRORS IN THE SERVICE WILL BE CORRECTED. (vi) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. (vii) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM ACCOUNTCHEK OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER ACCOUNTCHEK NOR ANY OF ITS DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS OR AFFILIATED COMPANIES SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES, (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL EXEMPLARY DAMAGES OR SIMILAR DAMAGES), EVEN IF ACCOUNTCHEK OR ITS DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS OR AFFILIATED COMPANIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SUCH DAMAGES MAY INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; (v) IN WHOLE OR PART BY ACCOUNTCHEK OR ITS SUBSIDIARIES, AFFILIATES, MEMBERS, MANAGERS, OFFICERS, AGENTS, CO-BRANDERS, PARTNERS, AND OR EMPLOYEES' NEGLIGENCE OR CONTINGENCIES BEYOND THEIR CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING OR DELIVERING THIS SITE AND ANY CONTENT THROUGH THIS SITE; (vi) OR ANY OTHER MATTER RELATING TO THE SERVICE, THE TOS, OR THE SUBJECT MATTER RELATING THERETO.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.
AccountChek shall not be responsible for failures of its obligations under this Agreement to the extent that such failure is due to causes beyond AccountChek’s control including, but not limited to, acts of God, war, acts of any government or agency thereof, fire, explosions epidemics, quarantine restrictions, strikes, delivery services, telecommunication providers, labor difficulties, lockouts, embargoes, severe weather conditions, delay in transportation, or delay of suppliers or subcontractors.
You agree that, except as otherwise expressly provided in this TOS, there shall be no third-party beneficiaries to this agreement.
All users must have a permissible purpose in order to obtain the information from AccountChek. The lender and its designees agree to the permissible purpose as follows:
All AccountChek logos, product and service names are trademarks and service marks of AccountChek. Without AccountChek's prior written permission, You agree not to display or use in any manner, the AccountChek marks.
All AccountChek logos, product and service names are trademarks and service marks of AccountChek. Without AccountChek's prior written permission, You agree not to display or use in any manner, the AccountChek marks.
The TOS constitutes the entire agreement between You and AccountChek and governs Your use of the Service, superseding any prior agreements, communication, advertising, proposals, and or representations between You and AccountChek with respect to the Service.
If any legal action arises relating to this Agreement, the prevailing party shall be entitled to recover all court costs, expenses, and reasonable attorney fees from the non-prevailing party.
You recognize and acknowledge that any breach or threatened breach of this Agreement by You may cause AccountChek irreparable harm for which monetary damages may be inadequate. You agree, therefore, that AccountChek shall be entitled to an injunction to restrain You from such breach or threatened breach. Nothing in this Agreement shall be construed as preventing AccountChek from pursuing any remedy at law or in equity for any breach or threatened breach of this Agreement.
The TOS and the relationship between You and AccountChek shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions.
The failure of AccountChek to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision.
In case any one or more of the provisions of this Agreement shall be found to be invalid, illegal, or unenforceable in any respect, such provision shall be amended, construed and applied so that such provision is valid and enforceable to reflect, as closely as possible, the original intent of such provision; and the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereby.
Except for as expressly provided herein, this Agreement does not create any agency or partnership relationship between the parties.
You agree that Your AccountChek account is non-transferable and any rights to Your AccountChek credentials or contents within Your account terminate upon Your death. Upon receipt of a copy of a death certificate, Your account may be terminated and all contents therein permanently deleted.
You agree that the Service will not be shipped, transferred, or exported into any country or used in any manner prohibited by the United States Export Administration Act or any other export laws, restrictions or regulations.
The AccountChek Service and related documentation are "Commercial Items", as that term is defined at 48 C.R.R. S 2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation", as such terms are used in 48 C.F.R. S 12.212 or 48 C.F.R. S 227.7202, as applicable. Consistent with 48 C.F.R. S 12.212 or 48 C.F.R. S 227.7202-1 through S 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein. Unpublished rights reserved under the copyright laws of the United States.
You agree that regardless of any statute or law to the contrary, you shall not bring any action against AccountChek arising out of or related to this Agreement or the subject matter hereof more than one (1) year after the occurrence of the event which gave rise to such action.
The section titles in the TOS are for convenience only and have no legal or contractual effect.
All notices which concern this Agreement shall be given in writing, to the parties herein as follows: Delivery of notice from You to AccountChek shall be considered effective by sending an e-mail with "Notice" entered into the subject line, sent to the ac-compliance@informativeresearch.com ; and delivery of notice from AccountChek to You shall be considered effective by transmission at Your e-mail address as contained in AccountChek's records. Any party to this Agreement may change its address for notice purposes, by providing written notice of the change of address to each of the other parties.
Please report any violations of the TOS to our Customer Service Center at ac-helpdesk@informativeresearch.com .
If You have any questions concerning this agreement, or if You wish to contact AccountChek for any other reason, please E-mail: ac-compliance@informativeresearch.com .
Effective Date: 3/14/2023
Personal information that is collected, processed, sold, or disclosed pursuant to the Gramm-Leach Bliley Act (GLBA) is exempt from the California Consumer Privacy Act (CCPA). GLBA is a federal law that regulates the use and disclosure of personal information by financial institutions. Personal information obtained by AccountChek from financial institutions is regulated by GLBA. Consumers grant AccountChek authorization to collect their personal information from financial institutions and share it for specific purposes described in AccountChek's Terms of Service Agreement, which is presented to end users in the AccountChek® application.
AccountChek has implemented and maintains data security measures designed to ensure that personal information is secure and encrypted at rest or in transit.
AccountChek™ is an automated, web-based service that allows lenders to verify and monitor a potential borrower's asset accounts during the credit application and approval process. AccountChek eliminates a borrower's need to engage in the time-consuming process of locating, copying and transmitting important financial documents to their lender, often through insecure channels. Our service eliminates issues --like missing pages and lost or misplaced documents-- that slow down the review and approval process. Because we obtain the asset information directly from the borrower's financial institution or brokerage, our service also minimizes transcription errors and maximizes accuracy. This means that lenders are sure that they are basing their decisions on accurate information. Our service saves time for everyone involved in the transaction and reduces lender losses, which makes credit less expensive and more available to more customers.
AccountChek™ 3n1 is an automated, web-based service that allows lenders to verify and monitor a potential borrower's asset accounts and verify the borrower’s employment status and income during the credit application and approval process. AccountChek 3n1 eliminates a borrower's need to engage in the time-consuming process of locating, copying, and transmitting important financial documents to their lender, often through insecure channels. Our service eliminates issues --like missing pages and lost or misplaced documents-- that slow down the review and approval process. Because we obtain the asset information directly from the borrower's financial institution or brokerage and employment and income information from the borrower’s payroll provider, our service also minimizes transcription errors and maximizes accuracy. This means that lenders are sure that they are basing their decisions on accurate information. Our service saves time for everyone involved in the transaction and reduces lender losses, which makes credit less expensive and more available to more customers.
We understand the importance of protecting individuals' sensitive financial information. We designed this Privacy Statement to help you understand how the AccountChek and AccountChek 3n1 services will collect, use and disclose borrowers' financial data.
Special note on children's privacy: AccountChek and AccountChek 3n1 are not designed or intended to attract or be accessible to minors (children under age 18). We will not knowingly collect personal information from minors.
This policy covers the following topics:
We collect personal and non-personal information from borrowers based on borrowers’ consent. We are acting as an intermediary for the borrower's lender when we do so. We collect this information in order to provide the AccountChek and AccountChek 3n1 services and to improve our services.
Information to Verify Asset Accounts: The AccountChek service allows lenders to verify a borrower's assets through direct read access to a borrower's financial account data. Borrowers must expressly agree to allow AccountChek to obtain and furnish financial account information to a prospective creditor, and to provide his/her identifying credentials for the accounts that need to be verified. The borrower's credentials may include username, password and answers to challenge questions. While the accounts are being verified and lenders are able to update that information (the refresh period; usually 30 to 90 days) the credentials are stored in a secure hardware-encrypted repository that is inaccessible to humans managed by AccountChek's designated data access vendor.
Information to Verify Employment and Income: The AccountChek 3n1 service allows lenders to verify a borrower's employment through direct read access to a borrower's payroll account data. Borrowers must expressly agree to allow AccountChek 3n1 to obtain and furnish payroll account information to a prospective creditor, and to provide his/her identifying credentials for the accounts that need to be verified. The borrower's credentials may include username, password and answers to challenge questions. While the accounts are being verified and lenders are able to update that information (the refresh period; usually 30 to 90 days) the credentials are stored in a secure hardware-encrypted repository that is inaccessible to humans managed by AccountChek 3n1’s designated data access vendor.
Log information: Our servers automatically collect log information from site visitors. This information may include the Web page request, Internet Protocol (IP) address, browser type, browser language, the date and time of the request, and one or more cookies that may uniquely identify the visitor's browser. We collect log information so that we can properly administer our system and gather aggregate information about how our site is being used, including the pages visitors are viewing.
Cookies: We use session cookie technology to keep track of visitors as they navigate from one page to the next on the site. When the session is ended and the visitor closes his/her browser, the session cookies are automatically deleted.
Browser software can be set to reject all cookies or to accept cookies only from our site. 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.
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.
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.
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.
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:
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.
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.
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.
The AccountChek suite of products are automated asset, employment, and/or income verification services provided by Informative Research. If you have questions or comments about this privacy policy, please e-mail us at ac-compliance@informativeresearch.com or write to Informative Research Inc., 13030 Euclid St, Ste 209, Garden Grove, CA 92843.
To request a copy of your consumer data supplied by Informative Research or an amendment to that information please email ac-compliance@informativeresearch.com , call (800) 225-9498 or contact your lender directly.
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