Privacy Policy

This Privacy Policy explains how Sylvent Corporation, trading as effect.com (“Effect,” “we,” “us” or “our”), a Delaware corporation located at 131 Continental Drive, Suite 301, Newark, DE 19713, USA, collects, uses, discloses and protects information in connection with our website (effect.com and related domains), our software and APIs, and our communications (collectively, the “Services”).

Effect provides business-to-business software and data infrastructure to lenders and financial institutions (“Clients”). We are not a lender, do not originate loans, and do not make consumer credit decisions. This Policy applies to information we process as a business (for example, website visitors and prospective Clients). Where we process personal information on behalf of a Client through the Services, we act as a service provider / processor under that Client’s instructions, and the Client’s own privacy notice governs that processing; see “Information Processed on Behalf of Clients” below.

1. Information We Collect

Information you provide.When you fill in a demo, contact or “Ask Effect” form, email us, or otherwise communicate with us, we collect the information you submit: your name, business email, phone number, company name and the contents of your message or inquiry.

Information collected automatically. When you use our website we may collect technical and usage data, including IP address, device and browser type, pages viewed, referring URLs, and similar diagnostics, including through cookies and similar technologies.

Information from third parties. We may receive business-contact or enrichment information from analytics, hosting and business-information providers.

2. How We Use Information

• To respond to your inquiries, schedule demos and provide the Services;
• To operate, secure, maintain and improve the Services and our website;
• To communicate with you about products, updates and events you may be interested in (you may opt out);
• To detect, prevent and address fraud, abuse, security and technical issues;
• To comply with legal obligations and enforce our agreements.

3. Legal Bases

Where applicable law (such as the GDPR for visitors in the EEA/UK) requires a legal basis, we rely on your consent, our legitimate interests in operating and promoting our business, the performance of a contract, and compliance with legal obligations.

4. Cookies

We use strictly necessary cookies to run the website and may use analytics cookies to understand usage. You can control cookies through your browser settings; disabling some cookies may affect site functionality.

5. How We Share Information

• Service providers who process information on our behalf (e.g. hosting, analytics, email, CRM), under contractual confidentiality and security obligations;
• Legal and safety: when required by law, regulation, legal process, or to protect the rights, property or safety of Effect, our Clients or others;
• Business transfers: in connection with a merger, acquisition, financing or sale of assets;
• With your direction or consent.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

6. Information Processed on Behalf of Clients

When a Client uses the Services to enrich, score or process applications, the Client determines the purposes and means of that processing and is the controller of any personal information involved. Effect processes that information solely to provide the Services under the Client’s instructions and our agreement. If you are a borrower or applicant of a Client, please direct privacy requests to the relevant Client.

7. Data Retention

We retain personal information for as long as needed for the purposes described in this Policy, to comply with legal obligations, resolve disputes and enforce agreements, after which we delete or de-identify it.

8. Security

We maintain technical and organizational measures designed to protect information against unauthorized access, loss, misuse or alteration. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

9. International Transfers

We are based in the United States and may process information in the United States and other countries. Where required, we use appropriate safeguards for cross-border transfers.

10. Your Rights & Choices

Depending on where you live, you may have rights to access, correct, delete, or port your personal information, to opt out of certain processing, and to be free from discrimination for exercising these rights. California residents have rights under the CCPA/CPRA, including the right to know, delete and correct personal information and to opt out of “sale” or “sharing” (which we do not engage in). To exercise any right, contact us at the address below; we will verify and respond as required by law.

11. Children

The Services are intended for businesses and are not directed to children under 16, and we do not knowingly collect their personal information.

12. Third-Party Links

Our website may link to third-party sites we do not control; their privacy practices are governed by their own policies.

13. Changes to This Policy

We may update this Policy from time to time. We will post the updated version with a new “Last updated” date and, where appropriate, provide additional notice.

14. Contact Us

Sylvent Corporation, 131 Continental Drive, Suite 301, Newark, DE 19713, USA. info@effect.com