Privacy Policy

1. Information we collect

When you interact with Everstead Financial, we collect information you provide directly, information generated automatically, and information from third parties you authorize.

Information you provide: your name, contact details, date of birth, Social Security Number, government-issued ID information, address history, employment and income details, banking information for disbursement and repayment, and any documents you upload.

Information generated automatically: device and browser information, IP address, pages visited on our platform, timestamps, and actions taken in your account. We use this to operate and secure the platform.

Information from third parties: with your authorization, we may receive information from identity verification services, banking data providers, and (where applicable) credit reporting agencies.

2. How we use your information

We use your information to: verify your identity, evaluate your application, service your loan, communicate with you about your account, comply with legal requirements, prevent fraud, and improve the platform.

We do not use your information for marketing purposes without your consent. We do not sell your personal information.

3. How we share your information

We share your information only as needed to operate our business:

• Service providers: vendors who help us with identity verification, banking, communications, and cloud hosting. They receive only the information necessary to perform their function and are bound by confidentiality agreements.
• Legal and regulatory: when required by law, court order, or applicable regulations.
• Business transfers: in connection with a merger, acquisition, or sale of assets, subject to standard confidentiality protections.

We do not sell your personal information to third parties.

4. How we protect your information

We use industry-standard administrative, technical, and physical safeguards to protect your information. This includes encryption in transit (HTTPS), hashed passwords, role-based access controls, and audit logging of sensitive actions.

No method of transmission or storage is completely secure. If you believe your account has been compromised, contact us immediately at support@eversteadloans.online.

5. How long we keep your information

We retain your information for as long as necessary to provide the services you requested, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements.

Loan records are typically retained for the period required by applicable federal and state recordkeeping requirements.

6. Your rights

Depending on your state of residence, you may have the right to: know what personal information we collect about you, request a copy, request correction, request deletion (subject to legal retention requirements), and opt out of certain uses.

California residents have specific rights under the CCPA and CPRA, including the right to know, delete, correct, and limit the use of sensitive personal information. To exercise any of these rights, email support@eversteadloans.online.

We will verify your identity before fulfilling any request.

7. Children's privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from anyone under 18. If you believe a minor has provided us information, contact us and we will delete it.

8. Changes to this policy

We may update this policy from time to time. If we make material changes, we will notify you through the platform or by email. The "last updated" date at the top of this page reflects the most recent revision.

9. Contact

If you have questions or concerns about this policy or how we handle your information, contact us at support@eversteadloans.online.

You can also write to us at: Everstead Financial LLC, 1000 N West St, Suite 1200, Wilmington, DE 19801.