Privacy Policy

Scope of this Policy

Factual Data (“we” or “us”) has created this Website Privacy Policy (Privacy Policy) 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, except as noted below regarding business relationships. It also does not apply to information collected when you click on the “Client Login” button on this website and are directed to our customer access website. If you are a resident of California and currently have or previously had a business relationship (e.g., customer, vendor, supplier) with Factual Data, our Business-to-Business Privacy Policy – California Residents Only will also apply to the personal information that we collect, use, maintain, and share about you when you visit our website or through offline channels.

Personal Information

Contact Us Information

As a user of our website, you control the personal information you send to us when completing a request form on our website. You may elect to share personal information with us such as your name, email or physical address, telephone number, and any other personal information you choose to provide. We use the information you send to us through these forms to respond to your inquiries or comments.

Careers

If you click on the Careers or Employment link (if provided) on our website, you will be referred to our careers page where you can then elect to click on a link to access our third-party applicant tracking website to search for available openings and apply for a job. Once you leave our website, this Privacy Policy will no longer apply and the Factual Data privacy policy appearing on the website of our applicant tracking system will apply to the personal information you provide at that website for employment purposes. As noted below, any privacy policy provided by our third-party applicant tracking website may also apply to your interactions with that website.

LinkedIn and Other Social Media

If you click on a link on our website to follow us on LinkedIn or another social media website, we may receive certain anonymized or aggregated information and other analytics regarding such click-through activities from the companies that host these websites.

Website Data Collection Practices

Information Automatically Collected

When you visit our 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 our website, including IP address, geolocation, language, the domain from which you came, and browser type. Google Analytics uses cookies and similar technologies to collect information such as how often users visit our website, what pages they visit when they do so, and what other sites they used prior to coming to our website. We do not combine the information collected through the use of Google Analytics with personal information you provide to us through this website or other means. 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.

Cookies

We use session and persistent cookies to collect website usage data and to improve our website and services, as well as your experience with our website. We may also use information from cookies to help us in our business-to-business marketing activities.

Cookies are small text files that a web server places on your computer or device when your browser accesses a website. Cookies store certain data specific to that website so this information is available to us later when the browser returns to our website. Some cookies are necessary to ensure our website functions properly, such as strictly necessary cookies, and some enable us to deliver an individualized online services experience.

A session cookie enables certain features of a website, like browsing through different pages on our website without having to log into each page. A persistent cookie stays on your browser until you delete it manually or your browser deletes it based on the duration period contained within the persistent cookie's file.

Cookies may be further classified as first-party and third-party cookies and as strictly necessary cookies, performance cookies, functional cookies, or targeting cookies. Additional information regarding the cookies on our website is available in our Cookie Preference Center. If you have identified yourself to us through the request forms on our website (other than the California Consumer Privacy Act (CCPA) Request Form – Business Relationships Only) or through your interactions with us as an employee of a current, prospective, or former customer, we may use cookies to track your activities on our website over time. These cookies may identify your browser, internet device, and similar information. We may then combine this information with personal information that you or your employer (our current, prospective, or former customer) have provided to us to identify you as a known website visitor via a unique ID, such as a cookie ID, when you visit our website over time. We may also use this information to build a profile of your interests to provide you with a personalized online and offline experience and to assist us in our marketing efforts to current and prospective business customers.

Most web browsers give you a choice to modify your browser settings to decline some or all cookies. We also provide options on our website, including through a cookie banner and in our Cookie Preference Center, for you to accept, reject or customize your cookie settings on this website. By continuing to browse this website without adjusting your browser settings to block cookies or opting to reject all but strictly necessary cookies through the options on our website, you agree to our use of cookies. If you have opted to not accept any cookies, this website will still use strictly necessary cookies, but certain features of our website may not be accessible to you.

Choice and Online Tracking

Except as noted above, we do not track your online activities over time and across third party websites. However, other third parties may be conducting online tracking on our website. To learn more about the choices you have regarding this online tracking, please visit these websites:

Third-Party Links and Websites

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

Information Sharing and Disclosure

We do not intend to share the personal information collected through this website with third parties that are not our service providers. However, we may disclose your information in the following scenarios:

We do not sell the personal information collected through our website to third parties for marketing purposes. As such, we cannot process requests to opt out of the sale of this information.

Security and Confidentiality

We strive to protect the 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.

Personal Information of Children

Our website is not directed at children under the age of 13. We do not knowingly collect personal information on this website from children under the age of 13. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us as noted below.

International Residents

This Privacy Policy describes how we collect, use, and share personal information about individuals in the United States who use our website. Our website and this Privacy Policy are not directed at residents of countries other than the United States and its territories. As such, we are unable to process requests from individuals to exercise their data access, deletion, or other rights under the European Union’s General Data Protection Regulation (GDPR) or other international privacy laws.

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. The effective date noted above is the date that we published this Privacy Policy on our website.

Point of Contact

Notice Regarding State Consumer Privacy Laws: If you submitted a loan application to a bank, mortgage company, or other lending institution that used our services to obtain a consumer report on you to assist them in processing your application, you should submit your request to delete your personal information collected by your lender or exercise your other rights as a consumer (consumer privacy rights request) under the California, Virginia, and other state privacy laws to your lender (data controller).

We provide credit information from consumer reporting agencies to our customers that have a permissible purpose under the federal Fair Credit Reporting Act (FCRA) to obtain this information. We are a reseller of consumer reports. A “reseller” is a consumer reporting agency that (1) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for the purposes of furnishing such information to any third party, to the extent of such activities, and (2) does not maintain a database of the assembled or merged information from which new consumer reports are produced. If you submit your consumer privacy rights request to us instead of to your lender, we may deny the request.