California Privacy Policy | Earnest | Earnest

California Privacy Policy

This California Privacy Policy (“Policy”) supplements the information contained in our online Privacy Policy, and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020.

This Policy describes how Earnest (collectively, “we”, “us”, “our”, unless stated otherwise) collect, use, disclose, and process personal information within the scope of the CCPA.

Please note that the CCPA and this disclosure do not apply to personal information covered under other federal privacy laws, such as the Gramm-Leach-Bliley Act (GLBA) or the Fair Credit Reporting Act (FCRA). To learn more about how we protect your information associated with financial products or services subject to these laws, please click here.

COLLECTION OF PERSONAL INFORMATION

We have collected the following categories of personal information about consumers in the preceding 12 months:

• Identifiers, such as name, postal address, email address, Internet Protocol (IP) address, and unique identifiers such as Social Security number.
• Personal Information Categories Listed in the California Customer Records Law, such as telephone number, credit bureau information, and financial information such as income.
• Protected Classification Characteristics Under California or Federal Law, such as age, gender, citizenship, marital status, and veteran or military status.
• Internet/Electronic Network Activity, such as browsing history and interactions with our website.
• Geolocation data, such as information used to identify the physical location of your device.
• Sensory information, such as audio recordings.
• Professional/Employment-related Information, such as employment history, salary, titles, and references.
• Non-Public Education Information, such as school completion status, grade point average, college plans, and student financial information.
• Inferences, such as profiles generated from visits to our website.
• Sensitive Personal Information, such as Social Security number, driver’s license number, state identification card, and health information.

SOURCES OF PERSONAL INFORMATION COLLECTED

We may obtain the categories of personal information listed above from the following categories of sources:

• Directly from consumers, such as when they apply for our products or services.
• Indirectly from consumers, through their access to our website or mobile app.
• Our affiliates, for servicing loan or credit accounts.
• Consumer reporting agencies for purposes of obtaining credit information.
• Publicly available data sources.

BUSINESS PURPOSES FOR COLLECTING AND DISCLOSING PERSONAL INFORMATION

During the preceding 12 months, we collected and disclosed the categories of personal information for the following business purposes:

• Determine eligibility for a loan or other account.
• Communicate with consumers about their loans.
• Provide, maintain, protect, and improve our services.
• Develop new products or services.
• Market our own products and services.
• Protect against fraud or other illegal activity.

SELLING OR SHARING OF PERSONAL INFORMATION

The CCPA defines “sell” as sharing personal information to a third party for monetary or other valuable consideration. In the preceding 12 months, we shared the following categories of personal information:

• Identifiers, specifically IP addresses.
• Internet/Electronic Network Activity, specifically browsing history.

DATA RETENTION

Personal information related to your loan or credit account is retained as long as necessary to fulfill our legal obligations.

YOUR RIGHTS AND CHOICES

You have specific rights regarding your personal information as per CCPA:

• RIGHT TO KNOW ABOUT PERSONAL INFORMATION COLLECTED
• RIGHT TO REQUEST DELETION
• RIGHT TO CORRECT INACCURATE PERSONAL INFORMATION

To submit a request, you may do so here.

CHILDREN UNDER THE AGE OF 16

We do not knowingly collect, disclose, sell, or share the personal information of children under the age of 13.

CONTACT FOR MORE INFORMATION

If you have any questions or comments about this Privacy Policy, you may contact us at (888) 601-2801.

This California Privacy Policy was Last Updated June 25, 2025.