1 ABOUT THIS POLICY

1.1 ezyCollect Inc., a company incorporated in the State of Delaware, United States (the Company, we, our, or us), is committed to protecting your credit-related information and handling it in accordance with applicable US federal and state privacy and credit reporting laws, and relevant state-level privacy laws.

1.2 By using our products or services (the Services), or accessing our website and technology platforms (collectively, the Platform), you (the individual or entity accessing the Services or Platform) and your associated business entities consent to the collection, use, and disclosure of your credit-related information as set out in this Credit Reporting Policy.

1.3 This Credit Reporting Policy should be read in conjunction with our Privacy Policy.

2 COLLECTION OF CREDIT INFORMATION

2.1 In the course of providing our Services, we may collect various categories of credit-related information, which may include:

1. Full legal name, date of birth, address, phone number, and driver license number;
2. Information regarding your credit history and repayment behavior;
3. Credit applications and account history (consumer and commercial);
4. Details of your credit providers and any open or past-due obligations;
5. Trade reference information (name, contact details, payment terms);
6. Financial position data, including bank or credit card account details;
7. Other credit information we derive from your interactions with us or third-party credit bureaus.

2.2 We may collect credit-related information via:

1. Registration or application forms on our Platform;
2. Credit reporting agencies and bureaus;
3. Invoices generated through the Platform;
4. Direct communication (in person, electronic, or phone);
5. Service usage and interactions with the Platform;
6. Provision of products or Services to you.

3 STORAGE OF CREDIT INFORMATION

3.1 The Company will hold your credit-related information in its databases protected by network control security protection measures and is

3.1 The Company will hold your credit-related information in its databases protected by network control security protection measures and is accessed only by authorised and trained employees.

3.2 The Company uses reasonable endeavours to protect your credit-related information from misuse, loss, unauthorised access, modification and disclosure. However, the Company is not liable for any unauthorised access to this information.

3.3 Where required by law, the Company will take commercially reasonable steps to remove your personal and/or credit-related information from our Platform if it is no longer needed for the purposes of providing our Services to you or our customers, and where the Company is not required to retain that information by law.

4 USE AND DISCLOSURE OF CREDIT INFORMATION

4.1 We may use your credit-related information for purposes including:

1. Facilitating or evaluating credit applications from our customers;
2. Assessing creditworthiness or repayment behavior;
3. Obtaining reports from credit bureaus or data providers;
4. Enhancing predictive credit models and machine learning algorithms;
5. Aggregating credit profiles and credit risk insights;
6. Supporting internal sales, marketing, and service delivery;
7. Assisting in debt recovery efforts;
8. Notifying you of credit-related service updates.

4.2 We may disclose your credit-related information to:

1. Our clients (creditors and finance providers) for risk assessment;
2. Credit reporting agencies;
3. External collection agencies or legal advisors;
4. Guarantors or prospective lenders;
5. Government or regulatory bodies when legally obligated;
6. Our affiliates, service providers, or cloud storage partners;

4.3 By engaging with us or submitting an online credit application, you agree that your credit-related information may be collected, used, and disclosed for the primary purposes specified herein and purposes other than the primary purposes, including the purpose of direct marketing.

4.4 You authorize us to exchange your credit-related information with third-party credit bureaus and other credit providers, in accordance with applicable state laws.

4.5 We may transfer your credit-related information to our subsidiaries, agents, and related parties, including service providers operating outside the United States. Such transfers are made in accordance with applicable data protection and privacy laws.

4.6 ezyCollect Inc. uses CreditSafe as a credit reporting partner. You may review their privacy policy at: https://www.creditsafe.com

4.7 Our data may be stored on cloud servers located in the United States and other jurisdictions. By using our Services, you consent to international data transfers to the extent necessary to operate the Platform.

4.8 The Company, in its sole discretion, may disclose your credit related information if it is required to do so by law or legal process, including:

1. Compliance with subpoenas, court orders, or legal investigations;
2. Preventing fraud or potential harm to others;
3. As part of dispute resolution processes.

4.9 If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any credit related information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. The Company only discloses credit related information in good faith and where required by any of the above circumstances.

4.10 By providing the Company with personal information and credit related information, you consent to the terms of this Credit Reporting Policy and the types of disclosure covered by this Credit Reporting Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Credit Reporting Policy regarding handling your credit reporting information.

5 STATEMENT OF NOTIFIABLE MATTERS

5.1 In accordance with the Fair Credit Reporting Act (FCRA), the following are important notices regarding your credit information:

1. Credit reporting agencies (CRAs) may include your credit information in reports that are provided to other credit providers to assist them in assessing your creditworthiness.
2. If you fail to meet your credit obligations or commit a serious credit violation (such as fraud or deliberately misleading behavior), we may report this to a CRA.
3. You may request a copy of this Credit Reporting Policy by contacting us or by visiting our website.
4. You may access the privacy policies or credit reporting policies of the third-party credit reporting partner we work with using the contact information below:

CreditSafe USA – www.creditsafe.com

6 ACCESS

6.1 You may request access to the credit information related to you that is used within our platform by contacting us using the details set out in Section 10. As ezyCollect Inc does not generate or directly control this information, we will refer your request to our third-party credit reporting partner for handling, in accordance with their policies and applicable law.

6.2 We may charge a reasonable fee to process your request for access if permitted under applicable law.

7 COMPLAINTS

7.1 If you have a concern or complaint regarding this Credit Reporting Policy or how your credit information is handled, please contact us using the information provided in Section 10. As ezyCollect Inc does not generate or directly control this information, we will refer your request to our third-party credit reporting partner for handling, in accordance with their policies and applicable law.

8 INDEMNITY

8.1 You acknowledge that ezyCollect Inc. acts solely as an information provider in the context of credit applications. We do not participate in or influence the final credit decisions made by any creditor, finance provider, or third party. The outcome of any credit application is solely determined by those parties.

8.2 You agree to indemnify, defend, and hold harmless ezyCollect Inc., its affiliates, directors, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising out of or in connection with:

1. Any dispute or complaint regarding the outcome of a credit application;
2. Your reliance on the information provided by ezyCollect Inc. under Section 2 of this policy or any additional information/documentation;
3. Any breach of applicable laws or misuse of credit information provided through our Services.

9 DATA INTEGRATION

9.1 If data integration is enabled, ezyCollect may write customer-related information from the platform into your connected Enterprise Resource Planning (ERP) system. By activating this feature, you authorise ezyCollect to transmit such data to your ERP. The format, fields of credit application and frequency of the write-back may vary depending on legal and regulatory requirements, ERP compatibility and system configuration. ezyCollect is not responsible for ERP configuration errors, third-party integration issues, system incompatibilities, or any internal use or misuse of data once written to your ERP.

9.2 While ezyCollect takes reasonable care in transmitting your customer information, you are solely responsible for verifying written-back data before relying on it for any commercial, credit or operational decision. To the maximum extent permitted by law, ezyCollect is not liable for any loss arising from ERP errors, integration failures, data corruption within your systems, or decisions made based on written-back information.

9.3 ezyCollect may suspend or discontinue the integration at any time for technical, security or compliance reasons. Upon termination or deactivation, data transmission will cease. You remain responsible for any data retained within your ERP.

10 CHANGES TO THIS POLICY

10.1 The Company reserves the right to modify or amend this Credit Reporting Policy at any time, for any reason, and without any notice, by posting a revised version on the Website. Any changes to this Credit Reporting Policy will become effective when the Company posts the revised Credit Reporting Policy on the Website. Your use of the Services, including but not limited to Company’s Website and Platform, following these changes means that you accept the revised Credit Reporting Policy.

10.2 This policy was last updated on 1 July 2025.

11 CONTACT INFORMATION

If you have any questions or requests regarding this Credit Reporting Policy or your credit information, please contact us:

ezyCollect Inc
Telephone: +1 (866) 2590 522
Email: [email protected]
Website: www.ezycollect.io