Displaying Offers HELOC

Guidelines for displaying Home Equity Line of Credit offers

This section of the guide is divided into two parts:

• Required Fields: This covers all of the fields partners building a Native API integration will need to display from Engine's offer responses

• Compliance: This covers the various consents, disclosures and guidance required to receive approval from the Engine Compliance team and Financial Services partners

Required Fields

Engine’s Financial Services partners require partners building a Native API integration to display a basic set of information associated with their offers. Here are the required fields to display:

• Financial Services Partner Logo

• Offer Amount ($)

• Offer APR Amount (%)

• Offer Monthly Payment Amount ($)

• Offer Term Length (#)

• Offer Term Unit (e.g. Month)

• CTA (hyperlinked to clickthrough URL), exemplified below as "Continue" Button

• Pre-Approved or Pre-Qualified designation

• Offer Description

• Offer Disclaimer

• Product Sub Type Label (i.e. Home Equity Line of Credit or HELOC)

• Product Sub Type Disclaimer

Mapping API Fields to Offer Card

Please see Appendix D for guidance on mapping API response fields to an offer card for HELOC offers:

Offer Display Logic

Engine recommends partners building a Native API integration to display the highest Recommendation Score offer (calculated by Engine’s Machine Learning Algorithm) from each Financial Services partner, and group offers by the Financial Services partner.

HELOC offers can NEVER be labeled as "Recommended." If you use a "Recommended" label for the top offer in the table, you must build logic that prevents the label from being applied to HELOC offers.

Here is an example of how rate tables with HELOC offers are represented on Engine-owned experiences:

Sample Fiona Offer Table with HELOC offer

Screenshot of Sample Fiona Offer Table with HELOC offer

In order to receive approval from the Engine Compliance team and Financial Services partners, at a minimum partners building a Native API integration must adhere to the following compliance requirements on the offer display page.

Please consult your legal team for guidance on how to adhere to RESPA and other legal requirements.

HELOC offers are subject to stricter requirements than other types of Loans products. Please see the following pages in this section and our Compliance Guidelines for more information.

General Disclosures

Partners building a Native API integration must include the Advertiser Disclosure, Representative Example & APR Disclosure, and Other Disclosure on the offer display page, using the same guidance as provided in the previous section.

The below language must be displayed on the offers page, regardless of whether or not offers were available for the user:

• “If you did not receive an offer from a specific Lending Partner, they may not have been able to determine whether you qualified for a personal loan based on the information you provided. No credit decision has been made. You may still qualify for a personal loan from our partners.”