The AccountChek Company, LLC. (“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://www.accountchek.com/terms.aspx. 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 and asset verification service (the
“Service”) designed to make it easier for a lender to verify and monitor the deposits
and/or assets of a prospective or current borrower by: (1) Securely retrieving balances
and transaction detail from the borrower’s accounts at one or more financial institutions;
(2) Delivering this information to the lender; and (3) providing for updates over
a specified monitoring period.
"You" or "Your" means the person or company who is being licensed to use the Service
"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 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 accounts balances and transaction detail
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 also agree to: (a) grant us permission to access Your financial and investment
accounts (and all information contained therein, including but not limited to the
transaction and balance information);(b) permit continuous access to Your financial
and investment accounts for the duration of the monitoring period for any purpose
relating to or authorized pursuant to this TOS, or otherwise described herein; and
(c) use this Service only for lawful purposes.
You expressly agree that by using the Service and or by agreeing to the terms herein,
that You authorize AccountChek and its agents to access third party sites designated
by You on Your behalf, retrieve information requested by You, and 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 accounts, 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 AND ASSET 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 OR ASSET 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.
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
You understand that through Your use of the Service You consent to the collection
You will be given account access credentials after Your lender has submitted a request
for Electronic VOD or Verification of Assets (“VOA”) 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, 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, (b) deletion of Your credentials and all related information,
files and content associated with or inside Your account (or any part thereof),
and (c) 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 The AccountChek Company, LLC. " 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
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 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
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 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
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 email@example.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.
If You have any questions concerning this agreement, or if You wish to contact AccountChek
for any reason, please contact: E-mail: firstname.lastname@example.org.
AccountChek™ allows your lender to automatically verify and monitor your account
information during your application and approval process. We understand the importance
of protecting your sensitive financial information and provide you with this Privacy
Policy so you can understand how the AccountChek service will collect, use and disclose
This policy covers the following topics:
Special note on children’s privacy: AccountChek is not designed
or intended to attract children younger than 18. We do not collect personal information
from any person we actually know is younger than 18.
AccountChek is powered by The AccountChek Company,LLC. If you have questions
write to Chief Technology Officer, AccountChek, LLC., 3245 Peachtree Parkway, Suite D-177, Johns Creek,
We collect personal and non-personal information to perform the AccountChek service,
improve our services, and contact you.
Information that enables the Verification of Deposit and Asset service:
In order to provide the Verification of Deposit and Asset service to you
and your lender, you must give us the credentials to financial accounts that you
wish your lender to verify. Your credentials may include your username, password
and answers to challenge questions. We keep your credentials for the duration of
the verification and monitoring period (30, 60 or 90 days), after which we remove
your credentials from our service.
Contacting AccountChek: We receive information from you when you
send us e-mail or call us with questions regarding the service.
Log information: When you visit our site, our servers automatically
collect log information. This information may include your Web page request, Internet
Protocol (IP) address, browser type, browser language, the date and time of your
request, and one or more cookies that may uniquely identify your 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 in order to keep track
of your session as you navigate from one page to the next on the site. When you
finish your session and close your browser, session cookies are automatically deleted.
Your 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. If you reject cookies, you will not
be able to use the Automated Verification of Deposit and Asset service.
We also collect information about you from the lender who wishes to verify your
account information and from the financial institutions that provide that account
The information provided by the lender includes your name, e-mail address, telephone
number, the last four digits of your Social Security Number, your employer’s name,
net paycheck amount, the amount of required reserve funds, your loan number, and
the names of financial institutions and accounts you wish to have verified through
the online service.
The information we receive from your financial institution(s) includes the summary
and transactional information from the accounts you allow us to verify.
When we receive information from third parties, we will treat the acquired information
like the information that we collected ourselves. We will share this information
in individually identifiable form only in accordance with this policy. However,
we may share aggregated, non-personal information, as described in this policy -
that may include information we obtained from third parties in a form that does
not permit you to be identified.
We use the information collected through the AccountChek service to you and your
lender, to administer our web site, and to improve our service.
We understand the sensitive and confidential nature of the information you provide
to us. Therefore, we will not disclose this information except as described in this
Verification of Deposit service delivery: We will disclose the
information we receive from your financial institutions to your lender in order
to deliver the Verification of Deposit and Asset service. We may disclose the information we receive from your financial institutions and your lender to investors and other associated third parties solely for
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 you 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. In the event that we are legally
compelled to disclose your personal information to a third party, we will make reasonable
efforts to notify you unless doing so would violate the law or court order.
Agents and contractors: Contractors sometimes have access to your
personal information in the course of assisting in operating our business and providing
products or services to you. These contractors include vendors and suppliers that
provide us with technology, services, and/or content for the operation and maintenance
of our site. Some of these relationships may be with companies that co-brand portions
of their site and services, or that provide services to you on our behalf. Co-branded
sites may have their own privacy policies posted on their sites. If you visit a
to your 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 your information confidential
and to comply with our privacy and security policies.
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, without your consent, 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 your information through procedures
and technology designed for this purpose by taking these steps:
You also have a role in protecting the security of information about you.
Keep your Personal Access Code secure: Do not share your Personal Access Code with anyone.
Log out and close your browser: Open browsers invite snoops. When
you finish your online session, close your browser to erase any information it may
have temporarily stored on your computer.
Install antivirus software and spyware protection: Viruses are
dangerous. Many viruses are sent as email attachments. They can slip into your system
without your knowledge the moment you open the email. Some viruses such as Trojan
Horses can capture the contents of your system, including your passwords. Installing
up-to-date antivirus software and running it will help thwart these and other unwanted
until they have been posted at this website. If changes occur, we will also show
A little confused about how this works? Check out our frequently asked questions below to get a better understanding of what is going on behind the scenes.
Who is AccountChek?
AccountChek is an unbiased third party service used by lenders to collect your digital account statements. Submitting your information online through the AccountChek service is significantly more secure than emailing, faxing, or mailing copies of your account statements. And unlike the other methods, AccountChek is accessible from any device 24/7 and quick to use. AccountChek may also reduce the time it takes for your loan to close, because of the time savings for your loan officer.
Why does my lender need my account statements?
As a part of your application process for a loan, a line of credit, or another type of financial service, the lender has to make sure you own your accounts. The lender also verifies your account balance. This process is called account verification or verification of assets.
What exactly does my lender see?
For the specific accounts you choose to share as a part of your loan application, your lender receives up to 90 days of transaction history. This creates the 3 months of account statements they typically require.
How secure is the AccountChek service?
Your financial information has never been safer. We go beyond the security measures some financial institutions even require. Some of these security steps include the ones you can see as you use our service such as the SSL encryption protocol. That is why a security lock appears next to the URL. We go one step further and have the security tested by Norton, which is why their validation appears at the bottom of the page.
We also adhere to the strictest compliance rules regarding the handling of financial data (SSAE 16 SOC2). Our servers are protected by state-of-the-art encryption techniques, and some data, like your credentials are stored separately and are never visible or accessible to anyone, ever.
What happens to my credentials?
Your online credentials are completely purged from our system after the request from your lender expires. Until then, your credentials are stored in a digital vault where they are encrypted and never visible or accessible to anyone, ever! Not even your lender or AccountChek employees have the ability to see them.
How many accounts do I have to share with my lender?
Your daily checking account, where you receive direct deposits from your employer, is the best account to share. However, if this account does not show enough recent activity or does not have a balance that will help you earn your requested line of credit or your loan, your lender may ask for additional accounts to verify.
What if I don't see my financial institution listed once I log into AccountChek?
If you don’t see your financial institution listed, click on the “Add New” option in the Accounts drop-down menu in the upper right of your screen. (Or click on the “Add New Account” button below the list of your accounts on the AccountChek dashboard.) A search page will come up, letting you type the name of your financial institution into the search field. When you do so, you will receive a list of possible matches. Choose the correct financial institution by clicking on the name, and then complete the enrollment process.
If your financial institution does not appear when you search for it, it is possible the financial institution may not be supported by the AccountChek system. Contact your lender and follow their instructions for providing paper account statements.
What if I selected the wrong financial institution from the list provided?
If you selected the wrong financial institution from your list of possible matches, and tried to enter credentials anyway, you will see an error message. To re-select or re-enter the correct financial institution, press the “Add New” button and start the selection process again.
Why aren’t my credentials working?
If your login information was not accepted by the financial institution you are attempting to verify on the AccountChek system, the correct financial institution (i.e. business account versus personal account) may not have been selected. Use the “Add New Account” option (see question 7) and make sure you are verifying the right financial institution and product.
It is also possible, that you may not remember your online credentials. Go to your financial institution’s website and try to log into your online portal there. If you can log in on the financial institution’s website but not through the online verification system, then this particular financial institution may not be supported by the AccountChek system. Choose to enroll a different account, or contact your lender to share paper statements.
What if I don’t have online account access?
If you do not have online account access, you can visit your financial institution’s website and enroll. Most financial institutions offer an easy enrollment process that only takes a few minutes to complete. Once you have verified, you can return to the AccountChek system and continue where you left off.
What do I do if I was logged out before completing my account enrollments?
If you were logged out, or your browser crashed before you finished enrolling your financial institutions or sharing accounts, and no more than three days have passed, you can start again by accessing the original email you received from your lender.
Your original email will only be good for 5 days. If more than 5 days have passed, you will need to contact your verifier and ask for them
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