EverBank may share the information it collects and retains, as described above, with EverBank's affiliates or with unaffiliated third parties (such as credit reporting agencies, financial service providers, insurance companies, and other service providers). You understand and agree that EverBank may share this information in the following instances:
- To verify the existence and condition of your accounts or loans for a credit bureau (consumer reporting agency) for purposes of recording your credit history with EverBank;
- When it is necessary or helpful in completing transactions, such as to verify the existence and condition of your account for a merchant or bank for purposes of transactions you have requested using your account;
- To comply with applicable governmental reporting or legal processes (such as court orders, subpoenas, or governmental requests) that EverBank reasonably believes to be valid or required;
- With companies that perform services on EverBank's behalf;
- With companies with whom EverBank has entered into a joint marketing arrangement;
- When investigating a loss involving EverBank and another financial institution, or to local, state, or federal authorities if EverBank believes that a crime may have been committed involving your account; or
- When you give EverBank authority to do so.
Except as disclosed in this document, EverBank does not share personally identifiable, non-public information about you with independent companies for any other purpose without your consent, unless required by law, regulation, or court order. You have the right to restrict EverBank's ability to share information about you as described in the "Opt-Out Rights" section below.
For Vermont Residents Only:
According to Vermont law, EverBank will not share application and third party credit-related information (such as credit history, income, credit references, and employment history) about Vermont residents within the EverBank family, or to financial institutions with which joint marketing agreements exist, without consent. No action is required by Vermont residents to implement this privacy policy.
For California Residents Only:
This Privacy Policy accurately describes the information we collect and may share about you with our affiliates. You have the right to restrict our ability to share information about you as described in the "Opt-Out Rights" section below. In accordance with California law, you also have certain rights to restrict our ability to share information with certain non-affiliates. California residents receive a separate "Important Privacy Notice for Consumer" which details the information sharing options open to California customers with respect to our information sharing with non-affiliated companies.
Privacy Choices for CA Consumers Only
Information Collected in Surveys or Contests
From time to time, EverBank's website may utilize online surveys or run contests that ask you for contact information (such as your e-mail address) and demographic information (e.g., zip code, age, or income level). EverBank uses contact data from its surveys and contests to send you information about EverBank, and promotional material from certain partners. Your contact information is used to contact you when necessary. You may request no further mailings; see the "How to Refuse Further Mailings" subsection below. Demographic and profile data is also collected at EverBank's website. EverBank uses this data to tailor its visitor website experience, providing you content which EverBank believes may be of interest to you, and to display content based on your preferences.
Other Information Collection
When you use EverBank's websites, EverBank may use cookies to gather information about you and your use of its site. Cookies are small text files or text identifiers that are placed on your computer by EverBank (along with many other Internet websites). Cookies are used to identify a particular visitor’s browser, which in many cases equates to an individual. EverBank believes that by using cookies it is able to provide you with a better experience and better service when you visit the EverBank website. Cookies are not destructive or disruptive to your computer. EverBank also believes that these benign bits of information do not have the ability to contain malicious programs or viruses that could damage your computer. If you choose, you may set your Web browser to warn you before you accept a cookie and choose each time if you want to accept the cookie. You may also choose to obtain software that operates in conjunction with your browser to control cookie acceptance. Some portions of the EverBank website require the use of cookies for proper function so that EverBank can provide you with a secure environment for certain financial transactions.
