Website Privacy Policy
Effective Date: October 16, 2020

SCOPE OF THIS POLICY

Factual Data has created this privacy policy in order to describe how we collect, use, maintain, share, and protect your personal information when you use our website, www.factualdata.com. This privacy policy applies to information collected when you visit our website. It does not apply to information collected in any other way, including information collected offline. This privacy policy is not a contract and does not create any legal rights or obligations.


CHILDREN'S POLICY

Our website is not directed at children under the age of 13.


CHANGES TO THIS POLICY

We may modify this privacy policy at any time. If we do, we will post the revised version here. You should periodically check here for the most up-to-date version of this privacy policy.


PERSONAL INFORMATION

You may elect to share personal information with us such as name, an email or physical address, or telephone number, and any other personal information you choose to provide.

We use information you send to us through the Contact Us and Become a Client pages to respond to your inquiries or comments.

If you choose to apply for a job through our website, you may enter personal information such as name, address, email address, social security number, signature, telephone number, education, employment, employment history, and citizenship status. We use this information for employment purposes.


INFORMATION AUTOMATICALLY COLLECTED

When you visit the website, we automatically collect certain information, such as your IP address, device ID, browser type and operating system, the domain from which you came, the page you are viewing, and the date and time of your visit.

We use this information for a number of purposes, such as investigating security incidents, running analytics to understand usage, and for compliance with security standards.


GOOGLE ANALYTICS

We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics uses cookies and similar technologies to collect information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We do not combine the information collected through the use of Google Analytics with personal information. For information on how Google Analytics uses data and how to control information sent to Google, visit www.google.com/policies/privacy/partners/.

We use the information we get from Google Analytics to understand how our website is used and make improvements.


THIRD-PARTY LINKS AND WEBSITES

You may be able to access third-party sites by clicking links on our site. We are not responsible for the privacy policies or practices of any third-party sites, and if you visit those websites, we encourage you to review their respective privacy policies.


COOKIES

We use cookies to collect website usage data, to improve the site and our services, as well as your experience with the site. Cookies are pieces of information generated by a web server and stored in your computer. Factual Data uses session cookies. You can control cookies through your browser settings and other tools.


CHOICE AND ONLINE TRACKING

As a user of our website, you control the personal information you send to us when using our online client sign-up form or our contact us form or employment application.

Factual Data does not track your online activities over time and across third party websites. However, other third parties may be conducting online tracking on our site. To learn more about the choices you have regarding online tracking, please visit these sites:

http://www.aboutads.info/choices/ http://www.youradchoices.com


INFORMATION SHARING AND DISCLOSURE

We don’t intend to share your information with third parties. However, we may disclose your information in the following scenarios:

  • When required by law, subpoena, or other legal process or enforceable governmental request or when necessary to protect our rights.
  • When necessary to investigate, take action, or prevent suspected or actual illegal activities, fraud, or potential threats to safety or personal physical safety.
  • If our company or our assets are acquired or purchased by another company, that company will assume responsibility for the information collected through the website.

ACCESS AND CORRECTION OF PERSONAL INFORMATION

You may access and update personal information you have provided through our website either by submitting updated information using our online Contact Us form, or by contacting us at the address or telephone number listed below.

Factual Data
Attn: Consumer Assistance
PO Box 1667
Pittsburgh, PA 1532
Phone 877-237-8317


SECURITY AND CONFIDENTIALITY

Factual Data strives to protect personal information that we collect, maintain, and disclose through the use of administrative, physical, and technical safeguards. Personal information submitted online is transmitted through a transport layer security (TLS) transmission, which is a protocol for establishing a secure connection for transmission. Our security program is designed to: (1) ensure the security and confidentiality of personal information, (2) protect against any anticipated threats or hazards to the security or integrity of the information, and (3) protect against unauthorized access, alteration, and unlawful disclosure of the information. We dispose of such information by taking measures to protect against unauthorized access to or use of the information.


POINT OF CONTACT

If you have any questions or comments about Factual Data's privacy policy or our privacy practices, please contact us at:

Factual Data
ATTN: Privacy Officer
250 E Broad Street
Columbus, OH 43215
Phone: 1-855-871-3076
privacy@factualdata.com

Privacy Notice
Effective Date: March 10, 2020

COMMITMENT TO POLICY

Factual Data is committed to respecting the privacy of consumers. This notice provides more information on our data privacy practices, including how we collect, use, disclose, store and otherwise process personal information in the course of providing services to our customers, including when we resell consumer reports to our customers. This notice also describes how consumers can access their consumer report and correct or delete inaccurate or incomplete information. This privacy notice is informational only and is not a contract, nor does it create any legal rights or obligations.


HOW WE OBTAIN PERSONAL INFORMATION

Personal information, as used in this notice, means any information that relates to or can be used to identify an individual person, including name, address, date of birth, telephone number, and Social Security number. In the course of business, customers provide personal information to Factual Data in order to obtain the services, as allowed by applicable credit reporting and data privacy laws. As a reseller of consumer reports, Factual Data does not maintain its own database of personal information from which new reports are created. Instead, we obtain personal information, including consumer reports, from third-party sources and deliver this information to our customers.


HOW WE USE PERSONAL INFORMATION

In addition to obtaining and reselling credit reports to our customers, Factual Data uses personal information to support other business functions, such as maintaining data integrity and accuracy and for fraud prevention, information security, legal support, and statistical analysis. We also access personal information when contacted by consumers in order to authenticate and assist consumers regarding their consumer reports.


DISCLOSURE OF PERSONAL INFORMATION TO THIRD PARTIES

Information Factual Data receives from customers or data vendors may be sent to our affiliates, subcontractors, or technology and data vendors that assist us in providing services.

Factual Data sells consumer report information to customers who have a permissible purpose under applicable credit reporting and data privacy laws.


DISCLOSURE OF PERSONAL INFORMATION FOR LEGAL AND SAFETY REASONS

Factual Data may be required to disclose personal information to the authorities, law enforcement agencies, government agencies, or legal entities. We may disclose information as required by law, litigation, or as a matter of national security to comply with valid legal processes including subpoenas, court orders or search warrants, and as otherwise authorized by law. We may also need to disclose personal information in the event of an emergency that threatens an individual's life, health, or security.


SECURITY MEASURES TO PROTECT PERSONAL INFORMATION

Security of personal information is important to Factual Data. Factual Data has put security measures into place to protect the confidentiality of personal information we collect. Accordingly, we prohibit the unlawful disclosure of personal information and limit access to the same. While no data transmission or storage can be guaranteed to be 100% secure, we maintain an information security program that contains administrative, technical, and physical safeguards to protect the security and confidentiality of personal information from unauthorized disclosure in accordance with applicable credit reporting and data privacy laws. We have also taken steps in place to ensure that access to personal information is limited to necessary employees and third parties.


RETENTION OF DATA AND DISPOSAL OF PERSONAL INFORMATION

Factual Data retains personal information for as long as it is necessary for business purposes and to provide services to customers. At the end of its retention lifecycle, personal information is destroyed or otherwise rendered inaccessible. Factual Data takes reasonable measures to protect against unauthorized access to or use of consumer information in connection with its disposal of personal information.


ACCURACY OF CONSUMER REPORTS

Factual Data follows reasonable procedures to ensure the accuracy of information in consumer reports, as required under FCRA 607(b).


CONSUMER ACCESS AND CORRECTION RIGHTS

Consumers can contact us to request a copy of the consumer report previously provided to a Factual Data customer. In order to protect the privacy of consumers, we require that consumers provide proper identification prior to disclosing consumer report information. Under Section 611 of the FCRA, a consumer has the right to dispute inaccurate or incomplete information in a consumer report. As a reseller, we review the dispute to determine whether the inaccuracy is a result of Factual Data’s report or a result of the information from the consumer reporting agencies. If the inaccuracy stems from Factual Data’s merged report, we will correct or delete the inaccurate information. If the inaccuracy comes from information provided by consumer reporting agencies, Factual Data will convey your dispute to those consumer reporting agencies for further investigation. When the consumer reporting agency notifies Factual Data of the results of their investigation, we will convey the information to you.


OPT OUT OF PRESCREENING

Under Section 604(c) of the FCRA, Factual Data may resell consumer reports in connection with any credit or insurance transaction that is not initiated by the consumer if the transaction consists of a firm offer of credit or insurance. This is also known as prescreening. Section 604(e) of the FCRA gives consumers the right to opt out of prescreening. Consumers can opt out at www.optoutprescreen.com. The opt-out request is sent to Equifax, Experian, Innovis, and TransUnion. If a consumer opted out and would later like to opt in, the consumer can request to opt in at www.optoutprescreen.com.


CHILDREN's POLICY

Factual Data does not knowingly collect information on children under the age of 13.


QUESTIONS REGARDING PRIVACY PRACTICES

For questions regarding Factual Data's privacy practices, please contact:

Factual Data
ATTN: Privacy Officer
250 E Broad Street
Columbus, OH 43215
Phone: 1-855-871-3076
privacy@factualdata.com

Note regarding Nevada law Chapter 603A of NRS: Factual Data does not sell personal information, and for that reason, cannot process requests to opt out of the sale of personal information.