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Change Lending, LLC, FAQ

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Change Lending, LLC, Compliance & Disclosures

Change Lending, LLC dba Change Home Mortgage (“CHM”) is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit nmlsconsumeraccess.org. Headquartered at 16845 Von Karman Ave., Suite 200, Irvine, CA 92606. Find a detailed listing of our licenses and business addresses on this page.

Equal Housing Lender

We proudly conform to the Equal Housing Lender requirements. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice.

Equal Credit Opportunity

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act requires institutions to report loan data by lending transacted and acquired each year. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported to the institution’s primary regulator on an annual basis for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31. To receive a copy of this information, send a written request to:

Change Home Mortgage
Compliance Department

16845 Von Karman Avenue, Suite 200
Irvine, CA 92606


CDFI Products and CDFI LOGO

Change Home Mortgage and its loan products are not sponsored or endorsed by the U.S. Treasury Department or any other government agency.

Note: No/low income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation. We also offer a full range of traditional loan products.

FHA and USDA Loans

FHA and USDA Loans require an upfront and annual mortgage insurance premium. The upfront premium may be included in your loan amount. CHM is not affiliated with, sponsored or endorsed by a government agency.

Veterans Administration (VA) Loans

VA loans require an upfront Guarantee Fee. The upfront Guarantee Fee may be included in your loan amount. CHM is not affiliated with, sponsored or endorsed by a government agency.

Refinance

By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan.

Change Lending, LLC, Privacy Policy

Change Lending, LLC, dba Change Home Mortgage and Change Wholesale (referred to herein as “Change Lending”), values your patronage and protecting your confidential information is a priority. Our policies and procedures reinforce the fact that Change Lending strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures that apply to all internet websites that Change Lending operates to safeguard the personal information about you in our possession.

Introduction

This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

Our Privacy Pledge

  • We do not sell or rent customer information.
  • We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.
  • Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
  • Our privacy policy applies to potential customers as well as current and former customers.

Safeguarding Personally Identifiable Information

  • We have adopted policies and procedures designed to protect your personally identifiable information from unauthorized use or disclosure.
  • We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
  • We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
  • Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.

Change Lending Security Policy

Change Lending takes strong steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. All data that is considered highly confidential data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls and servers with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Information We Collect About You

We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

  • Enabling our financial services partners to implement automatic payments and funds transfer
  • Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account
  • Implementing collection activities as needed
  • Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification
  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.

In addition, we gather names and email addresses of people who contact us through our website with questions about our company or lending operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications from Our Site, Including Sites of Our Affiliates

When you submit an application and/or create a profile on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and the bank accounts, and confirmation of successful submissions of loan requests and portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys or user feedback emails, please opt out in any offer email you receive from us.

Links to Third Party Websites

Change Lending is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to websites that are owned or operated by companies other than Change Lending (“third-party websites”) are provided solely as an access point to obtain information on products and topics that may be useful to the users of Change Lending website. Third-party websites may have different privacy policies and/or security standards governing their sites.  When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the third-party website before providing any information on that website.

Testimonials

Change Lending may display personal testimonials of satisfied customers on our sites in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at privacy@changemtg.com.

Notifications

Change Lending will send you email notifications from time to time, and these are required elements of your transactions on our website, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these service related emails.

Sharing Information with Companies That Provide Services for Us

We share personally identifiable information about you, as required or permitted by law, with third parties, such as service providers who assist us in the in the administration, processing, servicing, and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personally identifiable information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Where You Can Find and/or Correct Your Information

For some of our online services, you can review and update certain account information by logging in and accessing your user profile on our website. If you cannot change your information online, or you prefer to request changes offline, please contact your representative listed on our correspondence or other account materials sent to you, or you can contact us at phone number 1-833-CHM-0123.

Web-related Information Collection

Change Lending uses web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets us tune and improve the user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

This site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at https://policies.google.com/privacy. By using this site, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/terms.

If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies. Please note that certain features of Change Lending website will not be available once cookies are disabled.

California Do Not Track Notice

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

California Consumer Privacy Act (CCPA)

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy at www.changemtg.com/privacy-policy-california.

Children’s Online Privacy Protection Act

Change Lending does not intend to knowingly collect or solicit any information from anyone under the age of 13. We do not knowingly allow minors under the age of 13 to disclose their personal information to us through our sites or otherwise. Our websites are directed to individuals who are permitted to share their personal information without parental consent. If you believe that we may have any information from a child under the age of 13, please contact us at phone number 1-833-CHM-0123.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding record keeping, reporting and audits.

Link to Other Sites

We may offer links to partners’ sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled or to facilitate our customers’ more effective use of our website, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy and may have different privacy policies or approaches to the handling of information. Change Lending has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them any of your personal information.

We also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that when you connect to our website you are actually on our site. SSL also ensures that all data entered into the website is encrypted. To verify that SSL is being used, look for the key or padlock icon on your browser. For encryption protection, we use 128-bit secure browser for login and transactions. The application process utilizes “CAPTCHA” technology, which is a test that we use to ensure certain sensitive transactions are being initiated by a human and not by another computer. The test involves viewing a distorted image of a word that a computer would not be able to interpret and then entering the text shown in the image. We subject our systems to periodic security audits to ensure that your information is thoroughly protected and secure.

Session time-outs

We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Passwords

At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever receive an email purporting to come from Change Lending that asks for your password, you should immediately contact us.

What you can do

You can take several precautions to protect the security of your computer and personal information. For instance, you can start by using a well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday, and you can also use specifically characters in place of letters. We also recommend that you change your password often. You can also install and update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on our site, be sure that you log out and close the browser window.

To protect your account, we send automatic notifications confirming certain actions taken on your account, such as changes to a password or external linked account. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered through these notifications can be undermined if other people have access to your email account. Therefore, you might consider restricting access to the email account you registered with on this site and/or changing your password on that email account frequently.

If you use a computer that is accessed by other people, such as in a public library or internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using your site, you should log out completely, then close the browser window and clear the browser’s cache file.

You should also be aware of fraudulent attempts to gain access to your account information known as “phishing”. Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. Change Lending will never ask for login information to gain access to customer’s account and access sensitive information. Change Lending will never ask you for your login information in the context of any email, physical mail, phone call or otherwise. In general, you can protect yourself against phishing by never providing personal or login information via an email instead, go to the website directly. You might also make it a habit to check the URL of a website to be sure that it begins with the correct domain.

Changes to Our Privacy Policy

We may make changes to our privacy policy in the future. If you choose to receive e-mail messages or newsletters from us, you may later modify your choice by contacting us at phone number 1-833-CHM-0123. You will also be given the opportunity, in any general bulk commercial e-mail that we send to you, to opt out of receiving such messages in the future. We will attempt to address your request immediately but it may take up to ten (10) days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as processing requests, conditional loan offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. Note: If we have already provided your information to a third party as part of your loan application then you may have to change your preferences directly with that third party.

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at phone number 1-833-CHM-0123. Our employees are trained through Policies and Procedures to take action on your instructions within thirty (30) days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes.

Contacting Us

If you have any questions about this privacy policy, please write us at:

Change Lending, LLC
16845 Von Karman Avenue, Suite 200
Irvine, California 92606
privacy@changemtg.com

Effective Date of this Policy: 06/23/2021.

Personal Loan FAQ

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Personal Loan Terms & Conditions

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Personal Loan Privacy Policy

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Small Business Loan FAQ

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Change Lending, LLC, Compliance & Disclosures

Change Lending, LLC dba Change Home Mortgage (“CHM”) is a state-licensed mortgage lender, NMLS ID #1839. To verify licenses, visit nmlsconsumeraccess.org. Headquartered at 16845 Von Karman Ave., Suite 200, Irvine, CA 92606. Find a detailed listing of our licenses and business addresses on this page.

Equal Housing Lender

We proudly conform to the Equal Housing Lender requirements. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms and conditions may change without notice. All programs are not available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. Terms, conditions and programs are subject to change without notice.

Equal Credit Opportunity

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicant on the bases of race, color, religion, national origin, sex, marital status, age (providing the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because applicant has in good faith exercised any right under the Consumer Credit Protection Act.

Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act requires institutions to report loan data by lending transacted and acquired each year. This includes geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. This data is reported to the institution’s primary regulator on an annual basis for loans and applications of the previous calendar year. If requested, lenders need to have the information available within 30 days of the request but not earlier than March 31. To receive a copy of this information, send a written request to:

Change Home Mortgage
Compliance Department

16845 Von Karman Avenue, Suite 200
Irvine, CA 92606


CDFI Products and CDFI LOGO

Change Home Mortgage and its loan products are not sponsored or endorsed by the U.S. Treasury Department or any other government agency.

Note: No/low income documentation loans may have a higher interest rate, more points, or more fees than other loan products requiring full documentation.

Refinance

By refinancing your existing mortgage, your total finance charge may be higher over the life of the loan.

Change Lending, LLC, Privacy Policy

Change Lending, LLC, dba Change Home Mortgage and Change Wholesale (referred to herein as “Change Lending”), values your patronage and protecting your confidential information is a priority. Our policies and procedures reinforce the fact that Change Lending strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures that apply to all internet websites that Change Lending operates to safeguard the personal information about you in our possession.

Introduction

This policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also explain how personally identifiable information that we may request will be used; these explanations can usually be found on the same pages where the information is requested. We also detail below our security policy which describes how your personal information is protected both electronically and physically.

Our Privacy Pledge

  • We do not sell or rent customer information.
  • We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.
  • Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
  • Our privacy policy applies to potential customers as well as current and former customers.

Safeguarding Personally Identifiable Information

  • We have adopted policies and procedures designed to protect your personally identifiable information from unauthorized use or disclosure.
  • We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
  • We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
  • Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.

Change Lending Security Policy

Change Lending takes strong steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. All data that is considered highly confidential data can only be read or written through defined service access points, the use of which is password-protected. The physical security of the data is achieved through a combination of network firewalls and servers with tested operating systems, all housed in a secure facility. Access to the system, both physical and electronic, is controlled and sanctioned by a high-ranking manager.

Information We Collect About You

We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

  • Enabling our financial services partners to implement automatic payments and funds transfer
  • Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account
  • Implementing collection activities as needed
  • Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification
  • Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.

In addition, we gather names and email addresses of people who contact us through our website with questions about our company or lending operations. We collect this information for the sole purpose of responding to such inquiries and do not store the contact information unless requested by these people.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users. Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Communications from Our Site, Including Sites of Our Affiliates

When you submit an application and/or create a profile on our site you will receive emails that confirm specific actions you requested. You will receive notifications confirming your registration, the successful verification of email addresses and the bank accounts, and confirmation of successful submissions of loan requests and portfolios. These are transactional notifications that you cannot opt out of receiving, as they are in place to protect the security of your account and your personal information. We may also send you responses to emails you send us, if appropriate or applicable. From time to time, we will also send user surveys, requests for user feedback regarding user experience and site operations or marketing offers from us or from us on behalf of our marketing partners. The completion of these surveys or requests for feedback or acceptance of any offer is strictly voluntary. If you do not wish to receive these offers, surveys or user feedback emails, please opt out in any offer email you receive from us.

Links to Third Party Websites

Change Lending is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to websites that are owned or operated by companies other than Change Lending (“third-party websites”) are provided solely as an access point to obtain information on products and topics that may be useful to the users of Change Lending website. Third-party websites may have different privacy policies and/or security standards governing their sites.  When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the third-party website before providing any information on that website.

Testimonials

Change Lending may display personal testimonials of satisfied customers on our sites in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at privacy@changemtg.com.

Notifications

Change Lending will send you email notifications from time to time, and these are required elements of your transactions on our website, such as confirmations of particular actions you have taken. These required notices are sent typically to notify you of a change in status such as when you are confirmed as a borrower or for legal or security purposes. For example, certain notifications are sent for your own protection to ensure that no one can make a change to your account without your knowledge, such as confirming the addition of a new email address or linked external bank account. These notifications are sent to you so that you can be assured that no one is making changes to your account without your knowledge. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these eservice related emails.

Sharing Information with Companies That Provide Services for Us

We share personally identifiable information about you, as required or permitted by law, with third parties, such as service providers who assist us in the in the administration, processing, servicing, and sale of your loan. These third parties include among others, title companies, appraisers, insurance companies, underwriting services, processing services, printing companies, software providers, marketing services, and purchasers of loans. Our policy is to require third party service providers to enter into confidentiality agreements with us, prohibiting them from using any personally identifiable information they obtain for any other purpose other than those for which they were retained or as required by law. We may also disclose information about you, when necessary or required, in legal and arbitration proceedings and to government agencies.

Where You Can Find and/or Correct Your Information

For some of our online services, you can review and update certain account information by logging in and accessing your user profile on our website. If you cannot change your information online, or you prefer to request changes offline, please contact your representative listed on our correspondence or other account materials sent to you, or you can contact us at phone number 1-833-CHM-0123.

Web-related Information Collection

Change Lending uses web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets us tune and improve the user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.

This site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s Privacy Policy is incorporated herein and can be found at https://policies.google.com/privacy. By using this site, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/terms.

If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies. Please note that certain features of Change Lending website will not be available once cookies are disabled.

California Do Not Track Notice

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

California Consumer Privacy Act (CCPA)

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy at www.changemtg.com/privacy-policy-california.

Children’s Online Privacy Protection Act

Change Lending does not intend to knowingly collect or solicit any information from anyone under the age of 13. We do not knowingly allow minors under the age of 13 to disclose their personal information to us through our sites or otherwise. Our websites are directed to individuals who are permitted to share their personal information without parental consent. If you believe that we may have any information from a child under the age of 13, please contact us at phone number 1-833-CHM-0123.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

Link to Other Sites

We may offer links to partners’ sites. We make the decision to provide links to these sites based on the quality of information provided at the time the links are enabled or to facilitate our customers’ more effective use of our website, and we make every effort to monitor the continuing quality of content provided on these sites. However, these external sites are not subject to this privacy policy and may have different privacy policies or approaches to the handling of information. Change Lending has no control over the content of these sites. Please consult the privacy policies on these sites before you provide them any of your personal information.

We also equip our servers with Secure Socket Layer (SSL) certificate technology to ensure that when you connect to our website you are actually on our site. SSL also ensures that all data entered into the website is encrypted. To verify that SSL is being used, look for the key or padlock icon on your browser. For encryption protection, we use 128-bit secure browser for login and transactions. The application process utilizes “CAPTCHA” technology, which is a test that we use to ensure certain sensitive transactions are being initiated by a human and not by another computer. The test involves viewing a distorted image of a word that a computer would not be able to interpret and then entering the text shown in the image. We subject our systems to periodic security audits to ensure that your information is thoroughly protected and secure.

Session time-outs

We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.

Passwords

At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever receive an email purporting to come from Change Lending that asks for your password, you should immediately contact us.

What you can do

You can take several precautions to protect the security of your computer and personal information. For instance, you can start by using a well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday, and you can also use specifically characters in place of letters. We also recommend that you change your password often. You can also install and update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on our site, be sure that you log out and close the browser window.

To protect your account, we send automatic notifications confirming certain actions taken on your account, such as changes to a password or external linked account. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered through these notifications can be undermined if other people have access to your email account. Therefore, you might consider restricting access to the email account you registered with on this site and/or changing your password on that email account frequently.

If you use a computer that is accessed by other people, such as in a public library or internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using your site, you should log out completely, then close the browser window and clear the browser’s cache file.

You should also be aware of fraudulent attempts to gain access to your account information known as “phishing”. Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine-looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. Change Lending will never ask for login information to gain access to customer’s account and access sensitive information. Change Lending will never ask you for your login information in the context of any email, physical mail, phone call or otherwise. In general, you can protect yourself against phishing by never providing personal or login information via an email instead, go to the website directly. You might also make it a habit to check the URL of a website to be sure that it begins with the correct domain.

Changes to Our Privacy Policy

We may make changes to our privacy policy in the future. If you choose to receive e-mail messages or newsletters from us, you may later modify your choice by contacting us at phone number 1-833-CHM-0123. You will also be given the opportunity, in any general bulk commercial e-mail that we send to you, to opt out of receiving such messages in the future. We will attempt to address your request immediately but it may take up to ten (10) days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as processing requests, conditional loan offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. Note: If we have already provided your information to a third party as part of your loan application then you may have to change your preferences directly with that third party.

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at phone number 1-833-CHM-0123. Our employees are trained through Policies and Procedures to take action on your instructions within thirty (30) days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes.

Contacting Us

If you have any questions about this privacy policy, please write us at:

Change Lending, LLC
16845 Von Karman Avenue, Suite 200
Irvine, California 92606
privacy@changemtg.com

Effective Date of this Policy: 06/23/2021.

Mobile Banking FAQ

What is ChangeFi ?

ChangeFi is the digital first banking solution built for Black, Latino and additional overlooked Americans. We know that your money matters which is why we’re bringing equal access to banking. Join ChangeFi today!

What is ChangeFi's mission ?

Our goal is to empower overlooked communities to pursue their dreams by providing equal access to financial tools they need. We're addressing and helping to eliminate the social and racial inequities associated with traditional banking.

ChangeFi is powered by The Change Company, America's CDFI. We are on a mission to increase prosperity within diverse communities through home and business ownership.

How long does it take to sign up for ChangeFi?

Opening a ChangeFi account can be done in minutes (with some exceptions). Once you successfully sign up, it can take anywhere from 7-10 business days to receive your card.

Who can use ChangeFi?

ChangeFi is available to citizens and permanent residents of the fifty United States (U.S.) and the District of Columbia who are at least 18 years of age with a valid Social Security or ITIN number.

What fees does ChangeFi charge?

ChangeFi has no monthly fees. Please check out our cardholder agreement to learn more.

Will opening a ChangeFi account affect my credit score?

Opening a ChangeFi Account will not impact your credit. We use your Social Security Number (SSN) to verify your identity and to keep our members safe from fraud.

Is ChangeFi a bank?

No, our banking and debit card services are provided by Evolve Bank, Member FDIC, pursuant to license by Visa. Program Management services provided by Galileo Financial Technologies, LLC.

Are my deposits insured by the FDIC?

Yes! ChangeFi card deposits are FDIC insured up to $250,000 through Evolve Bank, Member FDIC.

Are there any transaction limits with ChangeFi?

Yes, your ChangeFi account has limits to protect you against fraud and theft. The initial limits are:

$10,000 Daily Spending Limit: This is the limit of all card transactions you can perform in a day, so purchases online and at merchants in person will count towards this limit.

$500 Daily ATM Cash Limit: The ATM cash limit allows you to withdraw up to $500 at an ATM per day. This does not include the out-of-network fee an ATM may charge and this limit counts towards your daily spending limit.

My identity couldn't be verified. Now what?

There may be circumstances where we're unable to verify your identity. If this happens, we'll work with you to complete your application over the phone.

Change Finance Terms And Conditions

Last Updated: July 2021

Welcome to ChangeFi!

ChangeFi brings real change by tearing down the walls of structural economic inequality.

Our inclusive digital banking and lending services provide solutions for Black, Latino and underserved individuals in communities and cities throughout the country.

Thanks for using our products and services.

Please carefully review the following rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us. These Terms and Conditions of Use (“Terms of Use”) apply to the World Wide Web site owned, operated, licensed, and controlled by Change Finance, LLC. (“ChangeFi”), including its related, affiliated, or subsidiary companies (collectively, the “Site”). This Site is the property of ChangeFi. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

These Terms of Use hereby incorporate by reference specific terms, descriptions, conditions, limitations and exclusions relating to ChangeFi services that may be provided within our programs. ChangeFi reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes.

As long as you comply with these Terms of Use, ChangeFi grants you a personal, non-exclusive, non-transferable, limited license to enter and use the Site or the ChangeFi App and access its services. This license to access the Site is for your own personal use and not for any commercial or business purpose (“Your License”).

Subject to applicable law, we reserve the right, in our reasonable discretion, to terminate Your License, your use of the Site, your user account or any Product provided to you (subject to the terms of cardholder agreement) and to assert our legal rights with respect to content or use of the Site that we reasonably believe is, or might be, in violation of these Terms or the Terms of any ChangeFi Product.

Privacy

Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trademarks and service marks) are owned by ChangeFi or third parties and all right, title and interest therein shall remain the property of ChangeFi and/or such third parties (collectively, the “Content”).

Electronic Communications

When you visit www.ChangeFi.com or you send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing, to the extent permissible by law.

You agree that we may send emails to you, for the purpose of advising you of any changes or additions to this Site, changes to any of our products or services, or for such other purposes as we deem appropriate and as permissible by law. By utilizing our loans and services, you agree to our ESIGN consent and agree to receive disclosures and other information in electronic form. Please make sure to review the Consent to ESIGN and Electronic Communications below for further information about e-sign consent related to loan documents and other agreements.

Consent to ESIGN and Electronic Communications

This Consent to ESIGN and Electronic Communications (“E-Sign Consent”) constitutes your consent to receive disclosures, communications and other information in electronic form from Change Finance, LLC (“ChangeFi”) and its affiliates and third-party providers, including Evolve Bank & Trust (the “Evolve”). This E-Sign Consent applies to all current and future communications related to your ChangeFi account provided by Evolve and other products and services available through the ChangeFi Site or App.

“We”, “us” and “our” refers to ChangeFi, Evolve and their affiliates. “You” or “your” refers to the person providing this consent. “Communications” means any cardholder agreements and other customer agreements, disclosures, privacy policies, transaction histories, responses to claims, fee schedules, and all other information in connection with your ChangeFi account.  

Consumer Consent:

Before completing any transaction with us, you will be asked to agree to this E-Sign Consent, which constitutes your agreement to the following:

  • We may provide disclosures required by law and any other information concerning your legal rights and duties and your account and related products and services to you electronically.
  • Your electronic signature on agreements and documents has the same effect as if you physically signed the document with a pen.
  • You will not contest the legal effectiveness, validity, enforceability or use of the electronically stored copies of any agreements electronically signed by you based on the fact that the terms were accepted electronically.
  • You have the hardware and software and other technology described in the “Minimum Requirements” section below necessary to receive, review, download and save any Communications sent electronically.
  • You have an active email account and have provided us with correct and up-to-date information relating to that account.

This consent applies to any transaction undertaken through ChangeFi in the past, to all future disclosures and communications on your account, to all future transactions with us, and to other Communications that we provide to you electronically.

Your consent is effective immediately and will remain in effect until you tell us that you no longer agree to receive Communications electronically by sending us notice in the manner described in the “Withdrawing Consent; Paper Communications” section below.

Method of Delivery

We will provide Communications to you by posting them on the Site, by posting them in the App and/or by emailing you at your registered email address. You agree that you will be deemed to have received certain Communications when they are posted to a publicly available website. We may post documents and other Communications to the Site or App without providing notice to you. You agree to check the Site and App regularly, as you may have no other way to know the Communications have been delivered to you. It is your responsibility to keep your registered email address up to date so that we can communicate with you electronically. You can change your registered email address by logging into the ChangeFi app and updating in the Settings. You agree that any email address you provide may be used to provide you with Communications, and you agree to notify ChangeFi of any changes in your email address by notifying ChangeFi either in the app or via email at least five (5) days before the change.

You agree that electronic delivery of Communications in any of the ways described in this E-Sign Consent will constitute good and effective delivery to you when posted or sent, regardless of whether you actually or timely receive or access the Communications. You also agree that we are not responsible for any delay or failure in your receipt of any email notice that is not caused by our failure to send such a notice to the email address you have provided for that purpose.

Minimum Requirements

To electronically receive, view and save or print the Communications, you must have a personal computer or mobile device with a connection to the internet that is equipped with the following, and an operating system that supports these requirements:

  • A current version of Google Chrome, Mozilla Firefox, Microsoft Internet Explorer, Safari or other internet browser that we support
  • Adobe Acrobat Reader installed on your device or the ability to view Hyper Text Markup Language (HTML)
  • Either a printer, a hard drive or other storage device

We will provide you with notice of any significant change in the hardware or software requirements needed to access or retain Communications electronically.  Your continued use of our electronic services after receiving notice of updates to these requirements constitutes your acceptance of the changes and your reaffirmation of this E-Sign Consent.

Withdrawing Consent; Paper Communications

Prior to creating a ChangeFi account, you may withdraw your consent to electronic disclosures by exiting the Site or the App. Additionally, you are free to withdraw your consent to receive electronic Communications at any time if you choose to. You may also request that we send you paper copies of Communications that the law requires us to provide to you. If at any time you wish to withdraw your consent or request paper copies of Communications, you can do so by submitting a request through email at support@changefi.com or contacting customer support by telephone at 1-855-631-3031 or writing to us at Change Finance, LLC. PO Box 867, Culver City, CA 90232. You agree that if you withdraw your consent or request paper copies of Communications, we may close your ChangeFi account or otherwise restrict, revoke or terminate your account and your access to other products and services we provide, subject to the terms of any additional agreement we have with you. Such termination does not exterminate any obligations you may have to ChangeFi, Evolve or their affiliates. To the extent permitted by law, we may also charge you a reasonable service charge for the delivery of paper copies of any Communication.

If you decide to withdraw your consent, the legal effectiveness, validity and/or enforceability of prior electronic Communications will not be affected.

Legal Effect

Your consent to this E-Sign Consent means that Communications we provide to you electronically shall have the same effect as if provided in paper form. A message alerting you that Communications are available electronically, provided that the Communications are made available electronically, shall have the same meaning as if we had provided them to you in paper form, regardless of whether you actually view them, unless you have withdrawn your consent pursuant this E-Sign Consent, prior to receiving such Communications.

Termination; Changes

You agree that we may modify or change the methods of disclosure described herein, and that we may send you Communications in paper form at our option, though we assume no obligation to do so. We will provide you with notice of any such modification as required by law.

Accounts

In order to access or use many of the features offered by ChangeFi or its affiliates in connection with the Services, you will be required to log-in to the ChangeFi mobile application (the “App”) and create an account (your “Account”). The Services’ practices governing any resulting collection and use of your personal information are disclosed in ChangeFi’s privacy notice, located at https://www.changefi.com/privacy-policy (the “Privacy Policy”). If you register for any Service that requires a password and/or username, then you will select your own password at the time of registration and you agree that:

  • You are eighteen years of age and hold a valid U.S. Social Security Number;
  • You will not use a username (or mobile number) that is already being used by someone else, that infringes the intellectual property or other right of any person or entity, or is offensive;
  • You will provide true, accurate, current, and complete information about yourself in connection with the registration process;
  • You are solely responsible for all activities that occur in connection with your Account, password, and username;
  • You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Device so that others may not access any password-protected portion of the Services using your name, username, or password;
  • You will immediately notify ChangeFi of any unauthorized use of your Account, password, or username, or any other breach of security; and
  • You will not sell, transfer, or assign your Account or any rights associated therewith.

If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violative of these Terms of Use, any additional terms applicable to the Services, or any applicable law, then ChangeFi may suspend or terminate your Account with or without providing advance notice. You acknowledge and agree that ChangeFi also reserves the broad, general right to terminate or suspend your Account or to otherwise deny you access to it or its benefits in ChangeFi’s sole discretion, for any reason or no reason, with or without advance notice. These Terms of Use will continue to apply until your formal relationship with ChangeFi is terminated, either by you or by ChangeFi. If you choose to terminate your use of the Services, you may do so by calling 1-855-631-3031. Once your use of the Services is terminated, your ability to log in may be deactivated. If you terminate your use of the Services, you will remain obligated to pay all outstanding fees and other amounts owed, if any, relating to your use of the Services. If you have any questions or trouble terminating the use of the Services, you can contact customer support for assistance. ChangeFi may continue to maintain information about you after your use of the Services is terminated only to the extent necessary to comply with applicable laws, and only to further legitimate business needs as outlined in ChangeFi’s Privacy Policy.

All agreements and disclosures that you have entered into in connection with the Services govern your usage of both ChangeFi’s App and website.

Use of the ChangeFi App

You agree to use the ChangeFi App in accordance with these Terms of Use and any applicable usage rules of any third-party mobile telephone, tablet or other device (each a “Mobile Device”) or service provider or the third-party from whom you are downloading the ChangeFi App (the “App Venues”). Supported App Venues include Apple App Store and Google Play; other App Venues are NOT supported. It is your responsibility to review the terms and conditions of any App Venue and to determine what usage rules of such App Venue apply to you depending on (i) your Mobile Device, (ii) the method by which you downloaded the ChangeFi App, and (iii) the App Venue from which you downloaded the ChangeFi App.

ChangeFi may offer Services to you through the ChangeFi App. You acknowledge and understand that certain Services available to you through the ChangeFi App require data access or wireless internet capability, including, but not limited to, your ability to conduct financial transactions, to alter your information or to view your account balances. You agree that you are responsible for data access or wireless internet charges that may be imposed by your Mobile Device service provider. The ChangeFi App is designed to be accessible on multiple types of Mobile Devices and operating systems. ChangeFi does not, however, make any representation or warrant that the ChangeFi App will be compatible with your particular Mobile Device, any specific operating system version of your Mobile Device, or any other hardware, software, equipment or device installed on, or used in connection with, your Mobile Device. You agree that your functional use of the ChangeFi App may be affected by or dependent upon your wireless connection and speed of your wireless service provider.

The functionality of the ChangeFi App could become disabled due to poor connections or speeds caused by your location or your wireless or internet service provider while conducting financial transactions. You agree that it is your responsibility to verify the status of any attempted transaction by reviewing your Account or by contacting ChangeFi Customer Support at 888-659-8244. You acknowledge and agree that ChangeFi, and its affiliates, agents and licensors shall not be liable to you for any losses, financial or otherwise, suffered by or arising out of or resulting from compatibility or inoperability problems or the failure of, or your failure to confirm, any attempted transaction.

In addition to your obligations under these Terms of Use, you acknowledge, understand and agree that your use of the ChangeFi App and your access to your Account through the ChangeFi App is governed by your account agreements with ChangeFi Inc., its affiliates, partners, or third parties (“Account Agreements”). By using the ChangeFi App or website, you agree that ChangeFi may send communications to your Mobile Device and collect information from your devices, as described in ChangeFi’s Privacy Notice. For instance, when accessing the ChangeFi App and our other Services through a Mobile Device, we may collect certain information about your Mobile Device and use of our Services, including your device identifiers (such as your Unique Device Identifier, Apple iOS IDFA or Android Advertising ID), the type of device you use and its operating system, information about other applications installed on your device (and, if you use an Android-based mobile device, how you use them – e.g., frequency and duration of use) and information about your use of our Services while using the Mobile Device. We may use such information, and share such information with relevant third-parties, to offer you promotions through various third-party providers of products or services, including for purposes of evaluating and providing you with the types of promotions that may be of interest to you or more relevant to you. Any unique device identifiers that we collect when you access or use our Services will be used only for advertising and analytics purposes.

Push Notifications (“Alerts”)

You agree to be contacted by ChangeFi, our agents, representatives, affiliates, about your account activity, balances, product offerings and other information, such as suspicious activity. When you consent to these Terms and Conditions, you are agreeing to receive Alerts through push notification(s). Receipt of Alerts may be delayed or prevented by factor(s) affecting your internet/phone provider or other relevant entities. ChangeFi is not liable for losses or damages arising from:

  • Non-delivery, delayed delivery, or the erroneous delivery of any Alert
  • Inaccurate Alert content.
  • Your use or reliance on the contents of any Alert for any purposes.

The information in any Alert may be subject to certain delays. Each Alert may not be encrypted and may include your name and information pertaining to your account(s). ChangeFi may terminate your use of Alerts at any time without notice. You may choose to discontinue receiving Alerts by updating your ChangeFi App notification preferences.

Links to Other Web Sites and Services

This Site contains links to outside services and resources (“Third-Party Content”), the availability and content of which ChangeFi does not control. Some Third-Party Content may be custom matched based on information provided by you to ChangeFi. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. ChangeFi does not assume any responsibility or liability for the actions, products, and content of these and any other third-parties. ChangeFi does not guarantee that any service offered by Third-Party Content will be offered to you. ChangeFi may receive compensation from third-parties for referring you to the third-party or to their website. Any services that you obtain through Third-Party Content will be subject to the terms and conditions and Privacy Notice of the Third-Party Content. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.


YOU ACKNOWLEDGE AND AGREE THAT WHEN CHANGEFI IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY SITES THROUGH VENDORS, CHANGEFI AND ITS VENDORS ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD-PARTY SITE.

You understand and agree that the Services are not sponsored or endorsed by any third-parties accessible through the Services. ChangeFi is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information. ChangeFi cannot always foresee or anticipate technical difficulties that may result in failure to obtain data or loss of data. ChangeFi is not responsible for the accuracy, timeliness, deletion, non-delivery or failure to store user data, communications, or personal settings. Account information obtained through third-parties is only as fresh as the time updated. Such information may be more up-to-date when obtained directly from the relevant third-party sites. You can refresh your Account Information through the Services as instructed in your account.

Customer Data Usage

ChangeFi may use Customer data for (i) improvement of services; (ii) to the extent permitted by law to use, distribute, and disclose Aggregated Data; and (iii) for fraud screening, identity verification, and account information verification. ChangeFi will also disclose customer data to third parties as outlined in these Terms and Conditions.

Identity Verification

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Customer Communications

Mobile Phone and Text Communications. You authorize us and our assignees and the affiliates, agents, representatives, assigns and servicers/service providers of ours and our assignees (collectively, the “Messaging Parties”) to contact you using automatic telephone dialing systems, artificial or prerecorded voice message systems, text messaging systems and automated e-mail systems in order to provide you with information about the Services, including information about the Services, including upcoming payment due dates, missed payments and returned payments. You authorize the Messaging Parties to make such contacts using any telephone numbers (including wireless, landline and VOIP numbers) or e-mail addresses you supply to the Messaging Parties in connection with the Services, the Messaging Parties’ servicing and/or collection of amounts you have agreed to pay the Messaging Parties or any other matter. You understand that anyone with access to your telephone or e-mail account may listen to or read the messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such messages. You further understand that, when you receive a telephone call, text message or e-mail, you may incur a charge from the company that provides you with telecommunications, wireless and/or Internet services, and you agree that the Messaging Parties will have no liability for such charges. You expressly authorize the Messaging Parties to monitor and record your calls with the Messaging Parties. You agree that this consent forms part of a bargained-for exchange. If you have the right to revoke text messages and calls to your cell phone or to receive artificial or prerecorded voice message system calls, you may exercise this right only by calling the Messaging Parties at 888-659-8244; or, to stop text messages, by replying “STOP” to any text message the Messaging Parties send you.

ChangeFi Short Code 246434 (CHNGFI) Terms of Service

  1. When you opt-in to the service, we will send you a message to confirm your signup. Text JOIN to 246434 (CHNGFI) to receive ChangeFi messages. Message and data rates may apply. You will receive varying msgs/week. Text “HELP” for help. Text “STOP” to cancel.
  2. You can cancel this service at any time. Text “STOP” to 246434 (CHNGFI). After you send the message “STOP” to us, we will send you a reply message to confirm you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again
  1. If at any time you forget what keywords are supported, just text “HELP” to 246434 (CHNGFI). After you send the message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
  2. Participating Carriers: AT&T, Sprint/Boost/Virgin, T-Mobile, MetroPCS, Verizon Wireless
  3. T-Mobile is not liable for delayed or undelivered messages
  4. As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider For all questions about the services provided by this short code, you can send an email to support@changefi.com or call at 1-855-631-3031
  1. If you have any questions regarding privacy, please read our privacy policy at https://www.changefi.com/privacy-policy

Telephone Recording.  You understand and agree that, subject to applicable law, Company Parties may monitor and/or record any of your phone conversations with any of their representatives for training, quality control, evidentiary, and any other purposes.  However, Company Parties are not under any obligation to monitor, record, retain, or reproduce such recordings, unless required by applicable law.

Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you or attempt to reverse engineer the Site; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any customer or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the ChangeFi network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus, worm, Trojan Horse, or other destructive feature to this Site, overloading, “flooding,” “spamming,” “mail bombing” or “crashing;” (v) send unsolicited mail, including promotions and/or advertising of products and services; or (vi) attempt to use robots, spiders, intelligent agents, software, tools, engines, or other means to navigate or search the Site other than those generally available through third-party web browsers such as Microsoft Explorer or Google Chrome. Violations of system or network security may result in termination of account and civil or criminal liability.

Limitation of Liability

EXCEPT WHERE PROHIBITED BY LAW, NEITHER CHANGEFI, NOR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUCCESSORS OR ASSIGNS OF EACH, SHALL BE LIABLE TO YOU FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, EVEN IF CHANGEFI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.UNLESS OTHERWISE EXPRESSLY SET FORTH IN A WRITTEN AGREEMENT WITH YOU, CHANGEFI‘S MAXIMUM LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS SITE, OR ITS CONTENT, WHETHER IN CONTRACT, TORT OR OTHERWISE SHALL BE LIMITED TO THE AMOUNT YOU PAID TO ACCESS THIS SITE.

Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Notice of Agreements Resolving Disputes and Arbitration

By using this site or any of the services provided by ChangeFi, you agree to be bound by the Agreements Resolving Disputes which includes the Arbitration Agreement (the “Agreement”) the full text of which are provided to you when you apply for or accept a loan or services from the lender or ChangeFi and are hereby incorporated into these Terms and Conditions by reference as if fully set forth at this point, and specifically includes the lender making the loan to you. This Agreement provides that all claims arising from or relating to use of the website, product, loan or service provided by the lender or ChangeFi must be resolved by binding arbitration if the person or entity against whom a claim is made elects to arbitrate the claim. Thus, if the person or entity against whom the claim is made elects to arbitrate the claim, then you will not have the following important rights:

  • You may not file or maintain a lawsuit in any court except a small claims court.
  • You give up your right to have a jury decide your claim.
  • You will not be afforded the procedural, pre-trial discovery, and appellate rights in an arbitration proceeding that you would enjoy in a court or judicial proceeding.
  • You may not join or participate in a class action, act as a class representative or a private attorney general or consolidate your claim with the claims of others.
  • You will have to pay certain fees in order to commence an arbitration proceeding, unless you ask us to pay those fees for you.

If you do not want to arbitrate all claims as provided in the Agreement, then you have the right to reject the Arbitration Provision by delivering a written notice to us at the Notice Address within thirty (30) days following the date of this Agreement.

Indemnity

By using the Site, you agree to indemnify and hold ChangeFi, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) arising out of or in any way connected with (i) your access to and use of the Service; (ii) your violation of any of the Terms and Conditions referenced herein, or any applicable law or regulation; (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third-party. ChangeFi reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Minors

This Site is not directed at individuals under the age of eighteen (18) or individuals under the age of nineteen (19) in the state of Alabama and ChangeFi does not knowingly collect personal information from any individual under the age of eighteen (18) or under the age of nineteen (19) in the state of Alabama at this Site.

Inactive Applications

Account applications are canceled after 7 days of inactivity. Inactivity is defined as any application that is incomplete and cannot be processed and has seen no follow up activity from the customer.

Severability

Any failure by ChangeFi to exercise any rights or enforce any of these Terms of Use shall not constitute a waiver of such rights or terms If any provision of these Terms of Use or their application in a particular circumstance shall be held by a court of competent jurisdiction to be contrary to law, such provision shall be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law. The remainder of these Terms of Use, or the application of such provision in other circumstances, shall not be affected thereby, and each provision hereof shall be valid and enforced to the fullest extent permitted by law. These Terms of Use constitute the entire agreement between you and ChangeFi with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and ChangeFi with respect to such use are hereby superseded and cancelled.

Assignment

The User or Customer may not assign or delegate this Agreement or any of the terms or conditions hereunder, directly, indirectly, or otherwise without the written consent of the other, and any such purported assignment or delegation shall be void.

Law and Venue

This Site is located in the State of California. These Terms of Use and the relationship between you and ChangeFi shall be governed by the laws of the State of California without regard to its conflicts of law provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in California and agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site or the Content must be filed within one year after such claim or cause of action arose or be forever barred.

COOKIES

“Cookies” are small data files transferred by a website to your computer’s hard drive. ChangeFi or its service providers send cookies when you surf our site or sites where ChangeFi ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our site, sites that are “powered by” another company on ChangeFi’s behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either “session” cookies or “persistent” cookies.
Session cookies do not stay on your computer after you close your browser.
Persistent cookies remain on your computer until you delete them, or they expire.
Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, there may be some features of our site that will not be available, and some Websites may not display properly. In most instances, however, a customer may refuse a cookie and still be able to navigate our website without issue.
A web browser is usually set to accept cookies automatically but can be changed to decline them. Information on how to adjust cookie preferences (e.g., preventing your browser from accepting new cookies, etc.) are located in the help and support section of your browser. In most cases, a visitor may refuse a cookie and still fully navigate our Website.
ChangeFi does not store passwords or any other information about a visitor in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated customer information may help ChangeFi assess the performance of its website and develop strategies to maximize utility. This information may be provided to other companies, including but not limited to third-party advertisers. This information does NOT include any personal details that can be used to identify individuals.


Plaid Technologies

ChangeFi uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant ChangeFi and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Notice.

How long does ChangeFi keep personal information?

ChangeFi will maintain the information that is necessary to enable ChangeFi to provide the requested service and only for as long as it takes ChangeFi to provide any such requested service. ChangeFi may still need to keep personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing ChangeFi to use that customer’s personal details for marketing purposes.
The Bank Secrecy Act and other federal statutes require ChangeFi to maintain certain records for a minimum of five years.  ChangeFi may keep records of any transactions a customer enters into on the ChangeFi Website for a minimum of six years from the end of ChangeFi’s relationship with the customer. ChangeFi may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs.

Disclaimers

CHANGEFI DOES NOT WARRANT THAT ANY CONTENT ON THE SITE, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS.
THE CONTENT IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. CHANGEFI CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES.
CHANGEFI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
CHANGEFI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. CHANGEFI DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. CHANGEFI DOES NOT VERIFY FOR ACCURACY ANY FINANCIAL INFORMATION PROVIDED TO US FROM THIRD-PARTIES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM USED IN CONNECTION WITH THE SERVICE) OR LOSS OF DATA THAT RESULTS FROM THE USE OF THE SERVICE OR THE DOWNLOAD OR USE OF SUCH MATERIALS OR CONTENT.SOME JURISDICTIONS MAY PROHIBIT A DISCLAIMER OF WARRANTIES AND THEREFORE THIS DISCLAIMER WOULD NOT BE APPLICABLE IN THOSE JURISDICTIONS. YOU MAY ALSO HAVE OTHER RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.YOUR SOLE REMEDY AGAINST CHANGEFI FOR DISSATISFACTION, IS TO STOP USING THE SITE OR ANY SUCH CONTENT.

Advertiser Disclosure

Some of the offers that appear on this Site are from companies from which ChangeFi may receive compensation. This compensation may impact how and where products appear on this Site, including, for example, the order in which they may appear within listing categories. ChangeFi does not include all products or offers available in the marketplace. It is always your choice whether or not to apply for an offered product or service and we will never submit an application for a financial product or service on your behalf without your express consent. For further information, please refer to our Privacy Notice and Terms and Conditions.

Cardholder Agreement

Your access and use of certain services offered by ChangeFi and its affiliates and third-party providers are governed by the Cardholder Agreement. The current Cardholder Agreement can be found at changefi.com/card-holder-agreement

Change Finance Privacy Policy

Last Updated: April 2021

This Privacy Policy (“Policy”) covers Change Finance, LLC. and certain of its affiliates and subsidiaries. These entities are collectively referred to as “ChangeFi”, “affiliated companies,” “we,” “us,” and “our” throughout this Policy.

Privacy Principles:

ChangeFi is committed to maintaining the confidentiality, integrity, and security of personal information about our current, past and prospective customers. In the course of offering and providing financial products and services, we collect and maintain certain personal information. This Policy explains what personal information we collect and how we use and share any such personal information. It also explains what you can do to limit the use and sharing of your personal information.

Please take a moment to read this Policy carefully.

Types of information we Collect or Receive:

When you visit our website or mobile application (each and collectively the “Site”) or download and use our services to apply, open, or maintain an account with us, you signify acceptance to the terms of this Policy and consent to the collection, use, and disclosure of your personal information as described below. If you do not agree with or you are not comfortable with any aspect of this Policy, you should immediately discontinue access or use of our services.

The Personal Information We Collect:

Personal information is data that can be used to identify you directly or indirectly, or to contact you (“Personal Information”). Our Policy covers all Personal Information that you voluntarily submit to us, that is collected from other sources including our partners, and that we obtain automatically. It includes:

  • Personal Information you provide online and on applications or other forms, or mail to us, such as your name, address, email address, phone number, social security number, driver’s license number, passport, date of birth.
  • Personal Information about your transactions with or through us, such as your account balance, trading activity, loan amount, and account history, if applicable.
  • Personal Information from consumer reporting agencies (for example, to assess your creditworthiness for lending products)
  • Personal Information about you for account authentication and identity verification and for use with fraud prevention technologies.
  • Personal Information you provide to us about your external financial accounts; such as bank account number, so that we may provide you with special service features.
  • Technical, navigational and other information transferred when visiting our Site, including: IP address, mobile device IDs, device type, cookies, browsing activity, location and browser type.

In addition, we may compile aggregate, anonymous, or de-identified data from various sources, including but not limited to accounts and transactions. This data, which we may use for our business purposes consistent with applicable law, does not identify individual customers.

How Your Personal Information is used:

ChangeFi does not sell any Personal Information to any third party.

ChangeFi will not purchase consent, or sell, rent, or share consent to opt-in to our mobile SMS/texting program

We may disclose Personal Information we collect, such as the categories described above, to improve and make our financial products and services available to you. We may also use and disclose Personal Information with your consent. If you decide to withhold certain information, it may limit our ability to provide you with the services or products you request or that may be of interest to you.

Disclosure of Information:

We may disclose your Personal Information to the following entities:

  • Our affiliated and subsidiary companies (please see below to learn how you may limit the sharing of some of this information for marketing purposes by our affiliated companies).
  • Non-affiliated third parties that perform services, such as marketing or market research, on our behalf (for example, we may provide your name, address, phone number, or email address to third parties that send email or regular mail on our behalf).
  • Non-affiliated third parties under contract that service, maintain, or process your transactions and accounts (for example, companies that provide administrative, telecommunications, payment, and transaction confirmations and other services in connection with the operation of our business).
  • Non-affiliated third parties as permitted or required by law to defend our rights or enforce a contract, or to cooperate with government agencies or regulators, (including for tax purposes), self-regulatory bodies (such as FINRA) and law enforcement officials (for example, for reporting suspicious activity or transactions, complying with a subpoena).
  • Non-affiliated third parties to protect against actual or potential fraud or unauthorized transactions, and to protect the security of our records and systems, unless prohibited by law.
  • Non-affiliated third parties at your direction or for which you provide your express consent (for example, banking or financial institutions and professional service providers).

Our service providers are obligated to keep the Personal Information we share with them confidential and use it only to provide services specified by ChangeFi.

How We Protect Personal Information About You:

ChangeFi considers the protection of Personal Information to be a foundation of customer trust and a sound business practice. We maintain reasonable physical, administrative, and technical safeguards to protect your Personal Information and we regularly adapt these controls to respond to changing requirements and advances in technology.

We take steps to ensure that your information is treated securely and in accordance with this Policy. Unfortunately, we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure.

Collection and Use of Information Collected Automatically:

We receive and store certain types of information automatically, such as when you visit our Site or download and use our services. This information does not necessarily reveal your identity directly but may include information about the specific device you are using, such as the hardware model, operating system version, or web-browser software. For example, we may use data collection and tracking tools such as cookies, web beacons, pixel tags, and other similar tracking techniques that may be downloaded to your personal computer, tablet, mobile phone or other device when you visit or interact with our Site.

A “cookie” is a text file that websites send to a visitor’s computer or other internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an internet tag, pixel tag or clear GIF, links web pages to web servers and cookies and may be used to transmit information collected through cookies back to a web server. The information we collect in this manner may include your device IP address, unique device identifier, web browser characteristics, device characteristics, operating system, language preferences, referring URLs, clickstream data, and dates and times of website visits.

Access and Update Your Personal Information:

As a customer, you may access and update your Personal Information. You will find more information at www.changefi.com/help or through the ChangeFi mobile application by clicking on your profile picture in the top left then select “personal information” from the main menu and click on the arrow next to Personal Information you wish to update.

Limit the Sharing of Your Personal Information:

We offer you certain choices in connection with the personal information we collect from you.  To update your preferences, limit the communications you receive from us, or submit a request, please email us at optout@changefi.com.

You can also unsubscribe from our marketing mailing lists by following the “Unsubscribe” link in our emails.

NOTICE TO CALIFORNIA RESIDENTS:

California Consumer Privacy Act (“CCPA”):

Effective January 1, 2020, the California Consumer Privacy Act (CCPA) allows California residents, upon a verifiable consumer request and subject to applicable exemptions, to request that we give you access, and (if technically feasible) in readily usable form, to the specific pieces and categories of Personal Information that we have collected or shared about you. California residents also have the right to submit a request for deletion of Personal Information under certain circumstances that ChangeFi is not otherwise entitled to maintain.

Consistent with California law, ChangeFi will not discriminate against those who exercise their rights. Specifically, if you exercise your rights, we will not deny you services, charge you different prices for services or provide you with a different level or quality of services based on this exercise of your rights.

To submit a data request, please follow the instructions in the “Contact Us” section below. For your protection, we will need to verify your identity using the information associated with your account, including email address, or date of birth. Government identification may be required. We will try to comply with your request as soon as reasonably practicable and consistent with applicable law, which may take up to 45 days following verification of your identity. We will inform you if additional time is needed to verify your information.

Please note that the Gramm-Leach-Bliley Act, Bank Secrecy Act, and the CCPA and other applicable laws allows us to keep certain forms of data for record keeping purposes and/or to complete any transactions that you began prior to requesting a change or deletion. In addition, there may be certain data that we may not allow you to review for legal, security, or other reasons.

Updates to this Policy:

We may update this Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Contact Us:

If you have any questions about our Policy, please contact ChangeFi Customer Service at support@changefi.com or 1-833-678-0999

Appraisal FAQ

Coverage Area

Appraisals are available in all areas of the states where Change AMC also known as Street Smart Valuations (SSV) is licensed. Please visit the About Us page for state licensing details. SSV’s clients include some of the nation’s largest, most trusted financial institutions who rely on our network of professional appraisers. Knowledgeable appraisals are delivered with the highest standards of integrity, accountability, ethical conduct and performance.

Turn Times

Turn times vary by location and market conditions. In the best of times in non-rural areas, full appraisal reports are available in five business days, on average. Our system will populate an estimated due date at time of order, and the date will be updated once an appraiser accepts the assignment.

Appraisal Fees

Fees vary by state, county and property features. Please reach out to support@ssvalues.com if you would like a fee quote sheet or quote for a particular property, in which case, please include the property address.

Appraisal Privacy Policy

We recognize and respect your personal privacy rights. We realize that you entrust us with personal information and we take this trust seriously. It is our policy to maintain your information in a confidential manner and we are committed to providing our customers with the highest level of security and privacy regarding the collection and use of personal information.

We want you to understand what information we collect, how we use it, and what we do to keep it secure.

Information We Collect

We collect publicly available information and non-public personal information that you provide from the following sources:

  • Information we receive from lenders as it relates to a request to order an appraisal
  • Payment information, such as credit card information
  • Information we receive from others, such as appraisers, title companies and Realtors.

How We Use and Disclose Information as Required by Law

We use information collected to assess the validity of data in the preparation of a real estate appraisal.

Information may be shared or used with our affiliates for authorized purposes such as originating, funding and servicing mortgage loans. Information may be provided to other Appraisal Management Companies to fulfill appraisal orders as required by investor underwriting guidelines.

Street Smart Valuations does not sell or disclose personal non-public information with companies not affiliated with Street Smart Valuations, other than payment information, as required.

How We Protect Your Information

We limit access to customer information to only those employees who need that information for specific responsibilities. Access is permitted on a ‘need to know’ basis. Credit card information is provided by the lender at time of order and is encrypted within our software and may not be viewed by Street Smart Valuations personnel.

Street Smart Valuations operates under full PCI security compliance. We have internal policies and electronic safeguards that prevent the sharing of information not required by an employee to complete their job functions. We train our employees to safeguard customer information and also incorporate internal policies that cover the unauthorized disclosure or use of that information. We require companies that we do business with to adhere to these standards.

Our web site is protected by industry-standard Secure Socket Layer (SSL) encryption. This means every sensitive communication between your computer and our web server is scrambled, so if any payment data gets illegally intercepted, it’s completely unreadable. You can be sure paying electronically with us is safe.

Affiliate Sharing Opt-Out

The Fair Credit Reporting Act allows you the opportunity to limit the sharing of information within the Street Smart Valuations family of companies. We only share information with affiliates relating solely to your transactions.

Family of Companies

The following is a list of affiliated companies to which this privacy policy applies:

  • Commerce Mortgage
  • Commerce Home Mortgage
  • Commerce Mortgage Wholesale
  • Street Smart Valuations

Insurance FAQ

FAQ Coming Soon

FAQ Coming Soon

Insurance Terms & Conditions

Coming Soon

Insurance Privacy Policy

Coming Soon

More questions? Get in touch.

Address
P.O. Box #18314
Anaheim, CA 92817

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