As part of the Earnest application, we ask for a variety of information that will help us better understand your financial profile so that we can offer you the most competitive rate possible if you are approved for a loan.
During the lending process, Earnest may use client information to
- protect Earnest and our clientele
- facilitate activities and transactions that need to occur to manage the account
- aggregated, non-identifiable user information to identify and track trends amongst our clients for data research and publishing purposes
- provide, maintain, protect, and improve our services, and develop new ones
- notify you about changes to the Earnest site or any products or services we offer
Any information used for research and publishing purposes is completely anonymized. We never store your sign-in, passwords, or other authentications to any account you linked during the application process.
Under federal and state law, we are required to maintain the personal and financial information that you provided us as part of the loan application process, whether you completed the loan application or not. This is to ensure that we engage in fair lending practices. We never sell your information to third parties. For more information, feel free to visit our Terms of Service page.
We take security and privacy as seriously as you do. In order to protect you and your data against fraud and theft, our secure system is tested by our team and third-party agencies regularly. For more information, check out our Security & Privacy page. To opt-out from aggregated, non-identifiable data publishing, please contact our team at (800) 428-1039.