Privacy Policy

This Privacy Policy applies to all information collected through the Easy Verification website and our verification services (collectively, the "Services"). It is designed to be transparent and understandable for two key audiences:

• For Consumers & Taxpayers: We want you to understand how we handle the sensitive information you entrust to us when you use our service to verify your income for a loan or other purpose.
• For Lenders & Business Partners: We aim to provide clear information about our robust security practices and commitment to regulatory compliance, ensuring you can confidently partner with us.

By using our Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy.

A. Information You Provide Directly

We collect information directly from you when you use our Services. This includes:

• Personal Identification Information: Name, address, email address, phone number, Social Security Number (SSN), and date of birth.
• Tax Information: Tax return data and related financial information required for verification, which you authorize us to retrieve on your behalf.
• Account Information: If you create an account, we collect your username, password, and other registration details.

B. Information We Collect Automatically

When you visit our website, we may collect certain technical information automatically:

• Log and Usage Data: IP address, browser type, operating system, pages visited, and timestamps of access. This helps us diagnose technical issues and improve our service.
• Cookies and Similar Technologies: We use cookies to operate and administer our site, gather usage data, and improve your experience. You can control cookie settings through your browser.

Our use of your information is strictly limited to the purposes for which it was collected. We are not a data broker and we will never sell your personal information.

• To Provide Services: The primary use of your data is to fulfill your request to verify your income and tax information and deliver the results to the authorized third party (e.g., your lender).
• To Communicate with You: We may use your contact information to send you service-related notifications, security alerts, and support messages.
• For Security and Compliance: We use information to protect against fraud, abuse, and security risks. We also use it to comply with legal obligations, such as those under the Gramm-Leach-Bliley Act (GLBA) and IRS Safeguarding Taxpayer Data, and to enforce our terms of service.
• To Improve Our Services: We may analyze aggregated, non-identifiable data to improve the functionality, security, and user experience of our platform.

We only share your information in the following limited circumstances:

• With Your Consent: We will share your verification report and associated data with the third party you explicitly authorize to receive it, such as a mortgage lender or bank.
• With Service Providers: We work with trusted third-party vendors who provide services on our behalf, such as cloud hosting (e.g., AWS, Azure) and data security services. These vendors are contractually obligated to protect your data and are prohibited from using it for any other purpose.
• For Legal Reasons: We may disclose information if required by law, subpoena, or other legal process, or if we have a good-faith belief that disclosure is necessary to protect our rights, your safety, or the safety of others.
• In Case of Business Transfer: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to the promises made in this Privacy Policy.

Our Commitment to Security

We understand the sensitivity of the data we handle. We have implemented a comprehensive security program with administrative, technical, and physical safeguards designed to protect your information. These measures include:

• Encryption: All data is encrypted in transit using TLS and at rest using AES-256 encryption.
• Access Controls: We enforce strict, role-based access controls to ensure that only authorized personnel with a legitimate business need can access sensitive data.
• Regular Audits: Our systems and security controls are regularly audited by independent third parties to ensure compliance with industry standards like SOC 2.

Data Retention

We retain your personal information only for as long as necessary to provide the Services you have requested, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. After this period, your data is securely and permanently deleted.

Easy Verification, Inc. complies with all IRS IVES participant requirements and follows IRS Publication 4557, Safeguarding Taxpayer Data, and the Federal Trade Commission (FTC) Safeguards Rule. We maintain a written information security plan and take all steps necessary to protect taxpayer data.

Depending on your jurisdiction, you may have certain rights regarding your personal information. These can include:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: You can request that we correct any inaccurate or incomplete information.
• Right to Deletion: You can request that we delete your personal information, subject to our legal and contractual retention requirements.

To exercise these rights, please contact us using the information provided below. We will respond to your request in accordance with applicable law.

California Privacy Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA). Easy Verification acts as a "service provider" for our lender clients. Please direct any CCPA-related requests to the business that directed you to our service.

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child, we will take steps to delete it as soon as possible.

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make material changes, we will notify you by posting the new policy on our site and updating the "Last Updated" date. We encourage you to review this policy periodically.

Users are responsible for maintaining the security of their account credentials and passwords. Easy Verification, Inc. is not liable for damages resulting from unauthorized access due to client/user negligence or actions outside our control. All use of our services is subject to the terms in this privacy statement.

Easy Verification may use limited, purpose built artificial intelligence (AI) tools to support internal workflows such as form validation, fraud monitoring, and system performance, but AI is never used to make independent credit decisions or to sell, share, or train external foundation models on taxpayer data. All AI assisted processing of tax and loan information occurs within our controlled U.S.-based environment and remains subject to IRS IVES requirements, applicable federal and state privacy laws, and our existing data retention, access control, monitoring, and incident response safeguards.

If you have any questions, comments, or concerns about this Privacy Policy or our data practices, please do not hesitate to contact us:

• By Email: privacy@easyverification.com
• By Mail: Easy Verification, Attn: Privacy, 7050 W Palmetto Park Rd 15-256, Boca Raton, FL 33433, US