Platform
Platform overview

No other solution offers more flexibility, performance, and customer support.

Integrate
POS

Improve borrower pull through with our point-of-sale integrations

LOS

Accelerate loan closing with our loan origination system integrations

API

Embed verifications directly in your product experience

Console

Get started in a day with our web-based tool

Verify
Direct Payroll

Get VOI and VOE in minutes with direct-source, payroll data

Direct Banking

Get VOA and VOAI in minutes with direct-source, bank data

Doc Processing

Get automated, AIM Check-approved VOI from uploaded documents

Validate
Day 1 Certainty®

Get relief from representations and warranties on validated data

Asset and Income Modeler

Improve loan quality and meet requirements with greater certainty

Solutions
Mortgage

Streamline verifications to save time and reduce costs

Personal Lending

Verify borrowers faster to increase conversion

Government Benefits

Automate benefit eligibility more efficiently at scale

Background Check

Automate employment verifications for less

Tenant Screening

Reduce applicant fraud and streamline operations

Gig Economy

View holistic contract earnings and hours worked

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Trust Center

Last updated: October 25, 2023

These Consumer Terms (“Terms”) are the legal agreement between Argyle Systems Inc. (“Argyle,” “we,” “us,” or “our”) and the individual user (“Consumer,” “you,” and “your”) of the consumer-facing tools and functionalities of Argyle’s multi-sided payroll connectivity and data portability platform (“Platform”) which, through the Platform’s consumer-facing user interfaces allows you to create and manage connections between your payroll or other work-related accounts and organizations that you have a separate relationship with, including your bank, insurance provider, mortgage lender, property lessor, gig-work assistance provider, or prospective employer.

These Terms set forth the terms and conditions that apply to your use of the Platform. YOU MAY NOT ACCESS OR USE THE PLATFORM UNLESS YOU AGREE TO COMPLY WITH ALL OF THESE TERMS. BY ACCESSING OR USING THE PLATFORM THROUGH ITS CONSUMER-FACING INTERFACES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS. Please review ourPrivacy Noticefor a description of how we collect, use, share, and otherwise process personal information.

ARBITRATION NOTICE. Except for certain kinds of disputes described in Section 11, you agree that disputes arising under these Terms will be resolved by binding and individual arbitration, and BY ACCEPTING THESE TERMS, YOU AND ARGYLE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING. YOU AGREE TO GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract (except for matters that may be taken to small claims court). Your rights will be determined by a NEUTRAL ARBITRATOR and NOT A JUDGE OR JURY. Please see Section 11.IF YOU ARE LOCATED IN THE UNITED KINGDOM, THE EUROPEAN UNION, OR THE PROVINCE OF QUEBEC, SECTION 11 (DISPUTE RESOLUTION AND ARBITRATION) DOES NOT APPLY TO YOU.

You should also pay particular attention to Section 5.2 (Argyle’s Relationships with Partners) and Section 10 (No Warranties by Argyle; Limitation of Liability) as they exclude or limit our legal liability in connection with your use of the Platform. Specific terms may or may not be applicable to you based on your location. Please see Section 13 (Region Specific Terms) for more information.

1. Platform

You choose who can access your income and employment data, how long they have access to it, and if (or when) you want to revoke that access. We make it easy for you to control who sees what and when.

1.1. The Platform is a payroll connectivity and data portability solution that you can use to:

a. connect to third-party employment-related platforms with which you have a separate relationship (e.g., your account with your payroll provider or gig-service provider) (each a “Data Location”) using your credentials for that Data Location (e.g., your username, password, and multi-factor authentication token) (“Credentials”);

b. retrieve your Employment Data (defined in thePrivacy Notice) accessible under your Credentials from that Data Location and process and deliver that Employment Data through the Platform to third parties (or those third parties’ customers) with which you have a separate relationship, such as your bank, insurance provider, mortgage lender, property lessor, gig-work assistance provider, or prospective employer, (each a “Partner”) and who have enabled your access to Argyle Link (defined below), or, if you are using Argyle Verify (defined below), to recipients of your choice;

d. through Argyle Link or Argyle Passport (defined below), view and manage the connections you created;each in accordance with these Terms and ourPrivacy Notice.

1.2. You have accessed the Platform:

a. through the Platform’s consumer-facing user interface known as “Argyle Link” (“Argyle Link):

b. through the Platform’s consumer user interface known as “Argyle Passport” (“Argyle Passport”), which, in addition to the connection management functionalities of Argyle Link, you can use to view and manage connections you created using Argyle Link.

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