Last Revised Date: February 8, 2021
ConsumerInfo.com, Inc. (“we,” “us,” and “our”) respects individual privacy and values the confidence of our subscribers. We want you to be familiar with what information we collect about you, how the information is being used, and what choices you have regarding collecting and using the information. The privacy principles that we follow concerning the collection, use, disclosure, and protection of information in the course of providing our products and services are consistent with relevant U.S. federal and state laws.
By using our websites, mobile applications, and/or our products and services, you consent to the privacy practices described in this Policy. You also agree to obtain annual notices and changes to this Policy electronically by visiting our website.
Personal information is information about you that identifies you as an individual. The personal information we collect depends on how you interact with us and the products and services you subscribe to. We collect personal information directly from you through our websites, Application Program Interfaces (“APIs”), mobile applications, and when you contact our customer service (collectively, the “Site”). We also collect personal information from third-party sources.
When you subscribe to or add products and services we offer, we collect information from you, including:
We use personal information:
Non-personal information is any information that does not reveal who you are, doesn’t identify you individually, and/or is about a collective group of Site users. This includes information described under “Cookies, Tracking Technologies, and Targeted Advertising” and other information that doesn’t identify you, including general demographic, publicly available, derived, inferred, or specifically expressed information from users of the Site. This information may be used by us and shared with third parties for any purpose. However, if we combine any non-personal information with your personal information so that it reveals who you are, it will be treated by us as personal information as long as it is combined.
Affiliates: As a part of Experian, we share personal information with our Experian affiliates for the purposes noted in this Policy. We do not share personal information with our affiliates for their marketing purposes without your consent.
We also share personal information with non-affiliated third parties as described:
Business Partners: We share your personal information with companies that we have partnered with to offer products that may be of interest to you. We also share your information to provide you with products and services that you request.
Service Providers: We share your personal information with third parties who perform services on our behalf. We share information with these service providers to provide you with the products and services you request and for everyday business purposes. For example, we use service providers for billing, communicating with our customers, detecting and preventing fraud, analysis, product improvements and development, and to offer products that may be of interest to you.
With Your Consent: We share your personal information with third parties who you expressly authorize, consent to, or direct us to share your information with. For example, we share information when you request products or services offered by lenders, insurance companies, and other companies that we partner with. We also share information when you ask us to access data from your financial and/or other accounts through one or more of our third parties.
Legal Purposes: We share personal information with government entities and others for lawful and necessary purposes, including to respond to requests from government entities or our regulators; to comply with subpoenas, law enforcement requests, and other legal processes; to enforce our Terms and Conditions; and as necessary to protect the rights, privacy, safety or property of our customers, ourselves or others.
In the event of a merger, acquisition, sale, bankruptcy, or other disposition of some or all of our assets, we may share and/or transfer your personal information to an affiliate or relevant third party.
Cookies, Tracking Technologies and Targeted Advertising
When you use our Site, we, our affiliates, our business partners, and third-party service providers collect information about your devices and interactions with our Site. The types of information collected and how that information is used and/or shared depends on how you interact with our Site and, in some cases, the choices you make. A variety of tools and technologies are used to collect this information.
Information collected and the tools and technologies used for collection include:
Targeted Advertising: We, our affiliates, business partners, and third-party service providers collect, use and share information to develop and deliver targeted online advertising. These are ads that you may see across different sites and devices over time. This information includes marketing information such as your preferences and inferences based on your interactions with the Site.
We also use service providers to help us perform advertising-related functions such as measuring the effectiveness of our ads, managing how many times you may see an ad, reporting on the performance of our ads, ensuring services are working correctly and securely, providing aggregate statistics and analytics, improving when and where you may see ads, and/or reducing ad fraud.
Choices You Have
You can use a range of tools to control information collection, use, and sharing and make choices about receiving offers of products and services. Some browsers have incorporated "Do Not Track" (DNT) features that can signal the websites you visit, indicating you do not wish to be tracked. Because there is no common understanding of how to interpret the DNT signal, our websites do not operate differently in response to browser DNT signals.
Controls for Cookies, Tracking Technologies, and Targeted Advertising:
The controls listed above rely on information stored in unique browser cookies, applications, or device identifiers, so your choices will apply only to the specific browser, application, or device from which you apply the controls. You will need to apply these controls separately on all of your browsers, applications, and devices.
How You Can Update Your Personal Information
If you are a subscriber and the personal information that you provided to us changes, you can make corrections or updates to your information, including your email address, phone number, mailing address, credit card information, or password reminder phrase, through the edit profile section of your account. You may also make updates through one of the Membership Support options listed in your account. For your protection, we may request supporting documents before making any changes or updates to your membership information. We strongly urge you to ensure that your information remains up to date.
If you want to change your subscription options, you can do so through the membership section of your account. If you wish to cancel your subscription, please contact us.
We have appropriate physical, technical, and organizational measures and tools in place to protect your personal information against the loss, misuse, and alteration of information that complies with relevant legal requirements and best practices. When you enter sensitive information (such as a credit card, Social Security number, or login credentials) into the Site, we encrypt the transmission of that information using Secure Socket Layer (SSL) technology.
When you provide information through the Site, you should be aware that your information may be transmitted across the Internet, and no method of transmission over the Internet is 100% secure. Although we take reasonable security measures to protect your information when we receive it, you also need to ensure you take appropriate steps to protect your information. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please notify us of the problem as soon as possible by contacting us.
Your California Privacy Rights under the California Consumer Privacy Act (CCPA)
ConsumerInfo.com, Inc. is a part of Experian. If you are a California consumer and would like to learn about Experian’s approach to privacy under the CCPA, please visit Experian’s California Privacy Rights Policy here.
In the future, we may update this Policy to reflect changes to our information practices. You can determine when this Policy was last updated and the effective date of this Policy by referring to the last revised date. We encourage you to periodically review this page for the latest information on our privacy practices and this Policy.
If you need assistance or have any questions about this Policy or our privacy practices, please call us at 1-479-343-6239. If you are a subscriber, there are additional ways for you to contact us provided in the Membership Support section of your account.
Third-Party Websites, Links, and Social Media:
The Site is not directed to individuals under the age of eighteen (18), and we request that such individuals not provide personal information through the Site. If you are under 18 years of age, you may browse our Site; however, you may not provide personal information to us such as name, address, or email address, and you may not register for, enroll in, and/or make product purchases.
For Former Customers
When you cancel your subscription or otherwise cease to be our customer, we may continue to use and share your information as described in this Policy.