Effective Date: April 24, 2017
Special note for parents: This Website is for a general audience and is not designed, directed at or intended to attract minors (and particularly not children younger than 13). We do not knowingly collect personal information from minors without parental or legal guardian consent, unless otherwise permitted by law.
This policy covers the following topics:
- Information Collection and Use
- Cookies, Web Beacons, & Other Technologies
- How We May Share Information
- Links to Third-Party Sites and Widgets
- Your Choice and Control Over Your Information
- Efforts We Make To Safeguard Your Personal Information
- Users Outside the United States
- Changes to This Policy
- How to Contact Us
INFORMATION COLLECTION AND USE
We collect information from you when you use this Website.
This includes personal information, which is information that can be used alone or combined with other information to identify you as an individual. Examples of personal information include, but are not limited to, your name, your physical or email address, date of birth and your Social Security number. Personal information does not include information that, when used by itself, does not reveal your specific identity or does not directly relate to an individual, such as demographic, de-identified or aggregated data.
You can enjoy aspects of our Website as a visitor, but you must register and provide your personal information in order to take advantage of some features on the Website, including to become a customer of Equifax Consumer Services, and to receive newsletters.
Information we collect from you
The information we collect from you includes: (1) information you provide directly to us; (2) information we may collect automatically, such as through cookies; and (3) other information, such as information about your device, location information, information from social networking services, and information from other sources.
Information you provide directly to us
We may collect information you provide to us directly, including in the following circumstances:
Registration: We collect personal information from you when you sign up for our newsletter or become a customer of Equifax Consumer Services. You may be required to provide information such as your name, your physical or email address, phone number, date of birth and your Social Security number. Becoming a customer of Equifax Consumer Services enables you to purchase Equifax Consumer Services products or activate a promotional code. We also collect personal information from you when you register for or participate in sweepstakes, contests and promotions sponsored by us and our partners.
Identity verification: When you purchase an Equifax Consumer Services product or activate a promotional code to access your Equifax Consumer Services product for the first time, we may ask you for information in connection with verifying your identity. For example, we may ask you multiple-choice questions in which you will need to provide certain personal information.
Family Plan: When you purchase our Family Plan product, we may collect personal information from you about adults and children whom you wish to enroll in the Family Plan. To enroll another adult, you will need to provide that person’s information, such as name and email address. You will be able to receive alerts about the activity on that adult’s credit file after the adult goes through the registration process to become a customer of Equifax Consumer Services and sets permissions in their account profile that allow you to view their personal information. To enroll your children you will need to provide each child’s information, such as first and last name, Social Security number, and date of birth. You will be able to receive alerts about the activity on the child’s credit file after you provide confirmation that you are child’s parent or legal guardian.
Contacting Equifax Consumer Services: We collect personal information from you when you send us email, or complete applications or other forms.
Polls and surveys: When you respond to a poll or a survey sponsored by us and/or one of our partners, you may be asked to provide information or to answer certain questions in order to participate. We may also use the information you provide to us to ask whether you would like to participate in future polls or surveys.
Information we may collect automatically
We also may automatically collect information when you use our Website. For example, we may collect information about your interactions with and access to Equifax Consumer Services products, information about your device, content you engage with, or the frequency and duration of your activities. We may collect or receive some of this information using cookies, web beacons, and other technologies.
Log information: When you visit our Website, our servers automatically collect log information. This information may include your Web page request, Internet Protocol (IP) address, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your browser. We collect log information for purposes including to properly administer our system and gather aggregate information about how our Website is being used, including the pages visitors are viewing on our Website.
Device identification: We also may collect other information about the device you use to access our Website. The information may include device type, unique device identification (if applicable), operating system, device model number, serial number, and types and versions of software installed. We may also collect your IP address, which is a number automatically assigned to your device when you access the Internet and can be used to derive your general geolocation. This information is used to create a digital identifier for your device that may be associated with your account.
Pages you view and actions you take on our Website: We may collect information about actions you take on our Website, such as viewing content or participating in a poll.
Location information: If you choose to allow us access, we may collect location information —based on your mobile device’s GPS signal, nearby WiFi access points, or similar technologies—when you use certain services or functionalities. For information about your ability to opt out of the collection of location information from a mobile device, please consult the settings on your device.
Information we collect from others: We may also collect personal information about your transactions and interactions with us, our affiliates, or others, such as the products you ordered. For example, in connection with requests for Equifax Consumer Services products, we access your Equifax individual credit file information and we may obtain personal information from other Credit Reporting Agencies when you order certain products.
We may receive additional information about you, from sources such as data brokers, data cooperatives, other commercial sources, and public databases. For example, we may collect information about average household income and census data relating to households within particular geographic areas to better understand the characteristics of our customers and visitors to our Website and to develop new products and content areas. We may also receive information from third parties that identifies your interactions with our Website across multiple devices.
How we use the information we collect
To better understand our users: We conduct research on our users’ demographics, interests, and behavior based on the information we collect. We do this to better understand and serve our users, and to improve our products. We may use information we collect from you and receive from others about your use of our Website or other Internet-related activity across your devices to optimize your experience with our advertising on our Website and with our services as you use different devices.
COOKIES, WEB BEACONS & OTHER TECHNOLOGIES
We, as well as our website analytics, optimization, and marketing partners, may use Internet technologies, such as cookies, web beacons, and Local Shared Objects (also referred to as “flash cookies”) and HTML5 local storage to collect information about your computer or device and your online activity.
Cookie use: We use session and persistent cookie technology. Generally speaking, cookies are text files that are placed in your device’s browser. Cookies can be used to help recognize your browser across different web pages, websites, and browsing sessions and to personalize and improve your experience on the Website. For example, cookies are used in order to:
- Allow you to order more than once during a visit without having to re-enter your information each time you place an order for an Equifax Consumer Services product;
- Allow us to gather aggregated statistical data about the use of our Website;
- Help us improve your navigation of our Website;
- Enable us to store your preferences for certain kinds of information and marketing offers;
- Help us to provide features such as personalized offers or ads that we believe may be of interest to you;
- Allow us to store your username and customer identification number so that we recognize you when you return to our Website; and
- Help us combat identity theft and fraud with more reliable identity verification and authentication data.
Web beacons and other Internet technologies: Web beacons are small pieces of code placed on Web pages, videos, and in emails that can communicate information about your browser and device to a server. Web beacons can be used, among other things, to count the users who visit a Web page or read an email, or to deliver a cookie to the browser of a user viewing a Web page or email. Local Shared Objects are similar to cookies in that they are stored on your device and can be used to maintain information about your activities and preferences.
Third-party cookie and tracking technology use: Our partners use these cookies, web beacons, and other Internet technologies for similar purposes, including in order to help us better understand how visitors use our Website, how we can create and present marketing offers that would be of interest to you and our current and future customers, and to deliver offers to you based on your interests. You can find additional information about online behavioral advertising (OBA), also called interest-based advertising, in our Equifax Online Behavioral Advertising Notice.
HOW WE MAY SHARE THE INFORMATION WE COLLECT
We disclose information in the following circumstances:
Disclosure to nonaffiliated third parties: We may disclose your personal information to nonaffiliated third parties, including for them to market to you. Please see our Privacy Notice for additional information about how personal information may be shared and how you may be able to limit certain types of sharing.
Disclosure to Equifax Consumer Services affiliates: We may share your personal information among Equifax affiliates. Please see our Privacy Notice for additional information about how personal information may be shared and how you may be able to limit certain types of sharing.
Service providers: Our service providers sometimes have access to your personal information in the course of assisting in operating our business and providing products or product features to you. These service providers include vendors and suppliers that provide us with technology, services, and/or content for the operation and maintenance of our Website, such as vendors or suppliers that provide services such as payment processing, web analytics, advertising or email.
Disclosure for legal reasons or as necessary to protect Equifax Consumer Services, its affiliates and others: We may release personal information to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena, court order, or other legal process; (2) in special cases, such as a physical threat to you or others, a threat to homeland security, a threat to our system or network; or (3) cases in which we believe it is reasonably necessary to investigate or prevent harm, fraud, abuse, or illegal conduct.
Fraud detection: We may disclose your information where we believe it is appropriate to detect, prevent, and address fraud or other illegal activity. For example, we may disclose your device information and device digital identifier, as well as other information, including but not limited to IP address, account identifier, and geolocation, to our partners that provide services designed to detect potential fraud. This information may be combined with information from other participating services in order to improve the security of our online environment.
Changes in our corporate structure: If all or part of our company is sold or merged, if we make a sale or transfer of assets, or in the unlikely event of a bankruptcy, we may transfer your information, including your personal information, to one or more third parties as part of that transaction.
Aggregated and non-personal information: We may share non-personal information with third parties without your consent. This includes information that has been aggregated together with information of other individuals.
LINKS TO THIRD-PARTY SITES AND WIDGETS
Our Website may provide links to other websites that provide products and services that might be of interest to you. We also include social media features on our Website, such as Facebook “like” buttons, and widgets, which are types of applications that may enable a user to perform a function or access a service. These social media features and widgets allow you, among other things, to share or bookmark our content on other websites and may collect information about you, such as log information and how often you share content with others. We do not control the privacy practices and policies of other websites. You should exercise caution when accessing such websites, and should read their privacy policies in order to understand what information they collect about you, how they use it and to whom they disclose it.
Some third parties may co-brand portions of their website and services. Co-branded websites may have their own privacy policies posted on their websites, and we encourage you to review those privacy policies periodically.
YOUR CHOICE AND CONTROL OVER YOUR INFORMATION
Updating or Correcting Your Personal Information: If you are an Equifax Consumer Services customer, you may update and correct certain personal information by logging in to your account and editing your account profile.
Your choice and control over sharing: Federal law gives consumers the right to limit some but not all sharing of personal information. Please see our Privacy Notice for information about the choices that may be available to you to limit our sharing of that personal information.
Opting out of Equifax Consumer Services promotional or marketing offers from Equifax Consumer Services: If you do not wish to receive promotional or marketing offers by email, you may opt out of receiving further promotional offers and emails by clicking on the “unsubscribe” button in the email. In addition, if you are an Equifax Consumer Services customer, you may change your preferences by editing your account profile. Note, however, if you are an Equifax Consumer Services customer, you will continue to receive emails from us related to the operation and administration of your account.
Do Not Track signal: Some web browsers may transmit “do not track” signals to the websites and other online services with which a user communicates. There is no industry standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established and accepted, we may revisit our policy on responding to these signals.
Online Behavioral Advertising: The Equifax Online Behavioral Advertising Notice also provides information about how you may opt out from receiving ads based on your online behavior. Please visit the websites operated by the following organizations to learn more, including to learn about choices to opt out of targeted advertising:
Your California Privacy Rights: California Civil Code Section 1798.83 entitles California customers to request information concerning whether a business has disclosed Personal Information to any third parties for the third parties’ direct marketing purposes. California customers who wish to request further information about our compliance with this law or have questions or concerns about our privacy practices and policies may contact us as specified in the “How to Contact Us” section.
EFFORTS WE MAKE TO SAFEGUARD YOUR PERSONAL INFORMATION
We are committed to protecting the security of your personal information and use technical, administrative and physical security measures that comply with applicable federal and state laws. However, no data transmission or storage can be guaranteed to be 100% secure. As a result, while we strive to protect the personal information we maintain, we cannot ensure or warrant the security of any information that you transmit to us.
USERS OUTSIDE THE UNITED STATES
This Website is intended for users within the United States. If you use this Website from outside the United States, please be aware that information you provide to Equifax or that Equifax obtains as a result of your use of this Website may be processed and transferred to the United States and be subject to the laws of the United States. The privacy and data protection laws in the United States may not be equivalent to such laws in your country of residence. By using our Website, using any of our Website’s functions or features, or by providing us with your personal information or non-personal information, you consent to the collection, transfer, storage, and processing of your information in and to the United States.
HOW TO CONTACT US