Welcome! Thank you for visiting the Early Warning website.

Early Warning (referred to as “Early Warning Services, LLC,” “we,” “our,” or “us”) is a leader in financial data and technology that makes money movement fast, safe and easy. For almost three decades, our identity, authentication and payment solutions have been used during life’s money moments, empowering financial institutions to make decisions, make payments and prevent fraud.

This privacy policy (“Privacy Policy”) explains our information privacy practices and the choices you can make about the collection, use, disclosure and retention of information you submit or we collect through our website, earlywarning.com (the “Website), our Authentify® mobile app offered to consumers, and activities by consumers related to consumer reports obtained from our consumer reporting business (collectively, the "Site"). The Site is owned and operated by Early Warning Services, LLC.

To make this Privacy Policy easy to find, we make it available on the earlywarning.com homepage and in the Authentify mobile app.

Contents & Summary


A list summarizing the contents of this Privacy Policy appears below, followed by the full Privacy Policy. Should there be any discrepancy between the summary and the full Privacy Policy, the language of the full Privacy Policy governs.

Scope and Consent

By using the Site, you expressly consent to our collection, use, disclosure, and retention of your personal information and other information as described in this Privacy Policy.

Users of the Authentify mobile app are also governed by the End User License Agreement (available in the app).

Do not use the Site if you do not agree to these terms.

Information We Collect or Access About You

When you use the Site, we may collect or access the following information:

  • a. Information to Respond to Your Requests: You may give us your personal information, such as your name and contact information, when you use forms or request access to materials on our Website (e.g. business inquiries, supplier registration, webinars, flyers).
  • b. Authentify Mobile App Information: When you install and use the Authentify mobile app, you provide your personal information to create a profile, such as your email address. We may also collect information from your device (e.g. your unique device identifier, your device's operating system, and/or the mobile carrier for your phone). If you choose to provide feedback to us through the app, you may provide personal information, such as your contact information.
  • c. Requesting Your Free Consumer Report or Disputing Information on Your Consumer Report: When you contact us, we may request personal information to process your request such as your full name, Social Security number, date of birth and bank account information.
  • d. Applying for a Job with Early Warning: When you apply for a job at Early Warning through our Website, we may request personal information from you, such as your name, contact information and employment history. You may also choose to provide additional information about your professional experience.
  • e. Technical Usage Information: We use tracking technologies such as cookies and other similar technologies to measure your usage of the Site.

See Section 2 for more information.

How We Use Your Information

We use information collected or accessed from you and about you for the following reasons:

  • a. to operate our Site;
  • b. to provide, improve, and develop our products and services; and
  • c. to prevent, detect, investigate, and report fraud and prohibited or illegal activities.

See Section 3 for more information.

Who We Share Your Information With

We may share information collected or accessed from you and about you with:

  • a. Early Warning Services, LLC and the rest of our corporate family;
  • b. financial institutions that furnished information to us if you are disputing information on your consumer report;
  • c. our service providers and other trusted third parties;
  • d. other entities with your consent;
  • e. law enforcement, government agencies, and other authorized third parties; and
  • f. others if there is a change of control (change in ownership).

Any third party with whom we share your personal information will be legally and/or contractually required to provide the same or equal protection to your personal information as we outline in this Privacy Policy.

See Section 4 for more information.

Your Choices

If you do not wish to receive marketing communications regarding our products (for business inquiries), you can indicate your communication preference within the direct communication from us (e.g. using the unsubscribe link in the email you receive from us) or by emailing marketing@earlywarning.com. Please allow us a reasonable period of time in order to satisfy your request, as some communications may already be in process.

Accessing, Reviewing and Updating Personal Information

If you use the Authentify mobile app, you can access, review, and update your personal information by accessing your profile within the app.

To review and dispute/correct information on your Early Warning consumer report, please call 800.325.7775, Monday through Friday from 8:00 a.m. to 5:00 p.m. MST, unless otherwise noted on the Website. Click here for more information about your consumer report.

If you have applied for a position with Early Warning, you can update your candidate profile by logging in here.

See Section 6 for more information.

Our Data Retention Practices

We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law.

You may request deletion of your data at any time by contacting our Privacy Office at privacyoffice@earlywarning.com. While you may request that your data be deleted, we may retain some information so that we can comply with law, prevent fraud, assist with investigations, resolve disputes, analyze or troubleshoot programs, enforce our End User License Agreement, or take other actions permitted by law.

See Section 7 for more information.

How We Use Cookies and Tracking Technologies

We use tracking technologies (including cookies) to recognize you, protect your privacy, and customize your experience on the Website.

See Section 8 for more information.

Notice to California Residents

If you are a California resident, you may request information about our practices related to disclosing your personal information and how we respond to Do Not Track signals.

See Section 9 for more information.

Links to Third Party Websites

We are not responsible for the privacy practices of third-party websites that are linked to or from our Website. Please refer to the privacy notices of those websites for information regarding their privacy practices.

See Section 10 for more information.

Security

To help us protect the privacy of your data, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls.

See Section 11 for more information.

Children's Privacy

This Website is not intended for children under the age of 13. This Website does not knowingly solicit or collect information from any individuals under the age of 13. For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

See Section 12 for more information.

Territorial Scope and Processing

We are located in the United States. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use third-party service providers that may be located in and process or store your personal information in the United States, the European Union, and other countries. If you create an Authentify mobile app profile, you consent to the collection and/or processing of your personal information and tracking technologies/cookies as described in this Privacy Policy.

See Section 13 for more information.

Notification Regarding Updates to This Privacy Policy

You agree that we may notify you about material changes to this Privacy Policy by posting notices on the Site.

See Section 14 for more information.

Contact Us

Privacy issues are handled by our Privacy Office. For more information about our privacy practices, please continue to our full Privacy Policy below or send an email to privacyoffice@earlywarning.com.

Full Privacy Policy


1. Scope and Consent

When you use the Site, you are contracting with Early Warning Services, LLC, located at 16552 N. 90th Street, Scottsdale, AZ 85260. By using the Site, you expressly consent to our collection, use, disclosure, and retention of your personal information as described in this Privacy Policy.

Users of the Authentify mobile app are also governed by the End User License Agreement (available in the app).

Do not use the Site if you do not agree to these terms.

2. Information We Collect or Access about You

We collect or access information from you and about you when you use the Site, including:

  • a. Information to Respond to Your Requests: You may give us your personal information, such as your name and contact information, when you use forms or request access to materials on our Website (e.g. business inquiries, supplier registration, webinars, flyers).
  • b. Authentify Mobile App Information: When you install and use the Authentify mobile app, you provide your personal information to create a profile, such as your name and email address. You also select the security options and the authentifiers you’d like to use (e.g. voice signature). We may also collect information from your device (e.g. your unique device identifier, your device's operating system, and/or the mobile carrier for your phone). If you choose to provide feedback to us through the app, you may provide personal information, such as your contact information.
  • c. Requesting Your Free Consumer Report or Disputing Information on Your Consumer Report: When you contact us, we may request personal information to process your request such as your full name, Social Security number, date of birth and bank account information.
  • d. Applying for a Job with Early Warning: When you apply for a job at Early Warning through our Website, we may request personal information from you such as your full name, address, and employment history. You may also choose to provide additional information about your professional experience.
  • e. Technical Usage Information: When you visit our Website, we collect usage information sent to us by your computer, mobile phone, or other access device which may include your browser type and language; country and language setting on your device; Internet Protocol (“IP”) address; the domain name of your Internet Service Provider, mobile device and operating system; screens you visit in the mobile app; content you view on the website; features you use; the date and time of your visit to or use of the Site; the website you visited before you visited our website; and data about how you interact with our Site. During some visits, we may use software tools to measure and collect session information, including page response times, download errors, time spent on certain pages and page interaction information. To learn more about how we use tracking technologies and cookies, see Section 8 of this Privacy Policy.

Our goal is to collect only that information that we believe is required for our legitimate business interests, to operate the Site, to authenticate and verify your identity, to prevent fraud, and to improve your experience of using the Site.

3. How We Use Your Information

Data collected or accessed will only be used for the purposes specified in the Privacy Policy. If the data will be used for other purposes, we will notify you of those additional purposes, and obtain your consent where necessary. We may use the data we collect for a number of purposes, including:

  • a. To Operate Our Site: We use information we collect or access about you to:
  •    (i) respond to your requests made through the Website, send you information about our products and services that we believe you will find beneficial and to comply with your stated communication preferences (for business inquiries);
  •    (ii) to verify your identity and establish you as a registered user of the Authentify mobile app, to provide the service to you, to resolve issues relating to your registration and use of the service and to enforce our terms and conditions;
  •    (iii) verify your identity and provide your consumer report to you and/or facilitate the dispute process regarding information on your consumer report you are disputing;
  •    (iv) consider and act upon your application when you apply for a career position with us;
  •    (v) guide decisions and improve the Site, including using Site analytics;
  •    (vi) provide you with a safe, efficient, and customized experience; and
  •    (vii) contact you or perform other duties as authorized by law.
  • b. To Provide and Improve Our Services: We use information we collect or access about you to help us create, develop, operate, deliver, and improve our products and services.
  • c. To Prevent Fraud and Prohibited or Illegal Activities: We use information we collect or access about you to prevent, detect, investigate, and report fraud, security breaches, potentially prohibited or illegal activities, or otherwise to protect our services or users. Information may also be used to respond to subpoenas or other legal processes, as permitted by law.

4. Who We Share Your Information With

To provide you with the service, and as described in Section 3 of this Privacy Policy, we need to share some information about you with others. Information collected or accessed on the Site may be shared with entities both within and outside of our corporate family. Please note that any third party with whom we share your personal information will be legally and/or contractually required to provide the same or equal protection to your personal data as we outline in this Privacy Policy. We may share your information with the following entities:

  • a. The Early Warning Services, LLC Corporate Family: We may share information about you with the Early Warning Services, LLC corporate family, including our subsidiaries.
  • b. Financial Institutions: If you dispute information on your consumer report, we will provide your personal information to the financial institution that furnished the information you are disputing as required or permitted by the Fair Credit Reporting Act.
  • c. Our Service Providers and Other Third-Parties: We may share your information with our service providers and other trusted third parties such as our affiliates (Channel Partners), analytics tools providers, and software development kit providers we hire to help with our business operations (including, but not limited to, verifying your identity, preventing and detecting fraudulent activity, analytics, marketing as permissible, operations, and enforcing of our terms and conditions).
  • d. Other Entities with Your Consent: We may share your personal information with other third-parties to whom you explicitly ask us to send your information (or about whom you are otherwise explicitly notified and consent to when using a specific service). On the Site, you may have opportunities to express interest in or register for other services. If you do, we will provide information about you to those third parties, or parties working on their behalf, to facilitate your request.
  • e. Law Enforcement, Government Agencies and Other Authorized Third Parties: We may share information about you, as permitted by law, with law enforcement, governmental agencies, and other authorized third-parties.
  • f. Change of Control - New Owners: We may share your information with other business entities, should we plan to merge with or be acquired by that business entity. Should this occur, we will make reasonable efforts to request that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information would be used contrary to this Privacy Policy, we will request that the new owner provide you with prior notice.

5. Your Choices

You can control how and when you want to receive notifications from us by following instructions within the notices you receive from us.

If you do not wish to receive marketing communications regarding our products (for business inquiries), you can indicate your communication preference within the direct communication from us (e.g. using the unsubscribe link in the email you receive from us) or by emailing marketing@earlywarning.com. Please allow us a reasonable period of time in order to satisfy your request, as some communications may already be in process.

If you use our Authentify mobile app, we may contact you with important information related to your profile, including but not limited to, activation and deactivation notices and transactional information. You may not opt-out of administrative emails for your profile.

6. Accessing, Reviewing, and Updating Your Personal Information

If you use the Authentify mobile app, you can access, review, and update your personal information by accessing your profile within the app. For questions about this functionality, or if you are unable to view or update your information, please contact Authentify_feedback@earlywarning.com.

To review and dispute/correct information on your Early Warning consumer report, please call 800.325.7775, Monday through Friday from 8:00 a.m. to 5:00 p.m. MST, unless otherwise noted on the Website. Click here for more information about your consumer report.

If you have applied for a position with Early Warning, you can update your candidate profile by logging in here.

7. Our Data Retention Practices

We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law.

You may request deletion of your data at any time by contacting our Privacy Office at privacyoffice@earlywarning.com . While you may request that your data be deleted, we may retain some information from closed profiles so that we can comply with law, prevent fraud, assist with investigations, resolve disputes, analyze or troubleshoot programs, enforce our terms and conditions, or take other actions permitted by law.

8. How We Use Cookies and Tracking Technologies

When you visit the Site, you consent to the use of cookies and tracking technologies as well as the corresponding processing of your personal information. We and our third parties may use cookies and other tracking technologies for a variety of purposes, as outlined in this Privacy Policy and as described below. You can withdraw your consent at any time by deleting placed cookies and disabling cookies in your browser.

  • a. Operationally Necessary. We may use tracking technologies required for system administration, to prevent fraudulent activity and improve security. We are not required to obtain your consent for tracking technologies that are operationally necessary.
  • b. Performance-Related. We may use cookies or other tracking technologies to assess the performance of the online services, including as part of our analytic practices to improve the content offered through the online services.
  • c. Functionality-Related. We may use tracking technologies to tell us, for example, whether you have visited the website before or if you are a new visitor and to help us identify the features in which you may have the greatest interest.

During some visits we may use software tools to measure and collect session information, including page response times, download errors, time spent on certain pages and page interaction information.

A few additional important things you should know about our use of tracking technologies (e.g., cookies, HTML-5 stored technologies):

  • • We offer certain features that are available only through the use of tracking technologies.
  • • We use both persistent and temporary tracking technologies. Tracking technologies (e.g., cookies) can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). You are always free to decline tracking technologies if your browser permits, although doing so may interfere with your use of the Site. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling tracking technologies such as cookies.
  • • We use cookies and tracking technologies with your prior consent as obtained through your use of this Site.
  • • You may encounter tracking technologies/cookies from our third-party service providers that we have allowed on our Site that assist us with various aspects of our Site operations and services, such as Google Analytics.

For more information about the use of cookies and similar technology on our Site, please review Section 2 and Section 3 of this Privacy Policy.

9. Notice to California Residents

  • a. How California Residents Can Request a List of Third Parties that Received Personal Information: California residents may request a list of all third-parties to which our Site has disclosed certain personal information (as defined by California law) during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at privacyoffice@earlywarning.com. For all requests, you must put the statement "Your California Privacy Rights" in the body of your request, as well as your name, street address, city, state, and zip code. In the body of your request, please provide enough information for us to determine if this applies to you. You need to attest to the fact that you are a California resident and provide a current California address for our response. Please note that we will not accept requests via the telephone, mail, or by facsimile, and we are not responsible for notices that are not labeled or sent properly, or that do not have complete information.
  • b. How We Respond to Do Not Track Signals for California Residents: California Business & Professions Code Section 22575(b) (as amended effective January 1, 2014) provides that California residents are entitled to know how we respond to "Do Not Track" browser settings. We do not currently take actions to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.

10. Links to Third-Party Websites

Our Website may contain links to other third-party websites, such as our Channel Partners. When you leave our Website and visit those websites, you are bound by the privacy policies of those websites. We are not responsible for the privacy practices of these third party websites, which are governed by their own privacy policies and practices.

11. Security

To help us protect the privacy of your data, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls. It is your responsibility to make sure that your personal information is accurate and that your password(s) and profile registration information for the Authentify mobile app are secure and not shared with third-parties. Additionally, we use security features that are built into the hardware and software of your device to help protect your transactions, such as facial or fingerprint recognition. We do not collect or store your biometric verification information.

12. Children's Privacy

Our Website is not intended for children under the age of 13. We do not knowingly solicit or collect information from any individuals under the age of 13. For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

13. Territorial Scope and Processing

We are located in the United States. Our operations use a network of computers, cloud-based services, and other infrastructure and information technology that are based in the United States. Additionally, we may use third-party service providers that may be located in and process or store your personal information in the United States, the European Union, and other countries. If you create an Authentify mobile app profile, you consent to the collection and/or processing of your personal information and tracking technologies/cookies as described in this Privacy Policy.

14. Notification Regarding Updates to This Privacy Policy

From time to time, we may update this Privacy Policy. You agree that we may notify you about material changes in the way we treat personal information by placing a notice on the Site. You should check the Site frequently for updates.

15. Contact Us

If your questions are not answered in this Privacy Policy, you may email us at privacyoffice@earlywarning.com or write to us at Early Warning Services, LLC., Attn: Privacy Office, 16552 N. 90th St, Scottsdale, AZ 85260.