Privacy Policy - Equifax Personal Products

Personal Solutions

Effective Date:  October 18, 2013


This privacy policy applies only to US Equifax Consumer Services LLC, which provides you with personal products. It covers products that you purchase or manage for your individual and household use.

Special note for parents: The Equifax web site is a general audience site and is not designed or intended to attract children younger than 13. We do not collect personal information from any person we actually know is younger than 13.

If you have questions or comments about Equifax's privacy policy, please e-mail us at privacy@Equifax.com or write to Chief Privacy Officer, Equifax Inc., 1550 Peachtree Street, NW, Atlanta, GA 30309.

Information Collection and Use

We collect personal and non-personal information to customize the content you see, fulfill your requests for products, improve our products, and contact you. We also use your information to pre-fill some fields to save you from entering the same information over and over again. By knowing about you, we can deliver more helpful information, products and tools, and make offers that would be of greater interest to you.

There are aspects of our site that can be enjoyed as a visitor, but you need to register in order to take advantage of some features on the site. In addition, Personal Solutions products are available for purchase through our site

 

Information We Collect From You

 

Registration:  We receive information from you when you sign up for our newsletter or become a Member of Personal Solutions. Becoming a Member of Personal Solutions enables you to purchase Personal Solutions products or activate a Promotional Code. . If you wish to have access for 30 days to your free annual credit report, obtained through annualcreditreport.com, you need to register as a Member of Personal Solutions. When you purchase our Family Plan products, we allow you to register others for participation in the Plan. We also receive information from you when you register for sweepstakes and promotions sponsored by us and our partners.

 

Identity Verification:  When you purchase a Personal Solutions product or activate a Promotional Code to access your Personal Solution product for the first time, we will verify your identity. We will ask you from two to six multiple-choice questions in which you will need to provide certain information that only you should know. We do this for your protection. The answers to these questions are used to verify your identity and are not provided to any nonaffiliated third party.

 

Family Plan:  When you purchase our Family Plan product, we collect information about adults and children whom you wish to enroll in the Plan. To enroll another adult, you will need to provide that person's name and e-mail 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 Member of Personal Solutions and sets permissions in the Member Center to allow you to view their information. To enroll your children you will need to provide each child's first and last name, Social Security number, and date of birth. You will be able to receive alerts about the activity on the children's credit file after you provide confirmation that you are child's parent or legal guardian.

 

Contacting Equifax Personal Solutions:  We receive information from you online when you send us e-mail, 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, we may ask you to provide additional information or answer certain questions in order to participate. We may also use the contact information you provide to us to ask whether you would like to participate in future surveys. If we ask for identifying information as part of a survey, we will delete the identifying information after one year and store your answers for up to 7 years.

Log information: When you visit our site, 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 so that we can properly administer our system and gather aggregate information about how our site is being used, including the pages visitors are viewing on our site.

Device Identification: As part of our fraud control effort, we collect information about the device you use to access our site. The information may include device type, operating system, device model number, serial number, types and versions of software installed, and geo-location of the device. This information is used to create a digital identifier for your device. The information does not include your browsing history or information about transactions conducted on the device. We may associate your device ID with your account. The data will be automatically purged when it is no longer needed for fraud prevention.

 

Cookies: We use session and persistent cookie technology in order to personalize and improve your experience on the site. Our web site analytics, optimization and marketing partners may also place or recognize a unique cookie on your browser, sometimes called a "third-party cookie."

Web beacons: We and our site optimization and marketing partners also use web beacons, sometimes called single-pixel GIFs, that momentarily direct your browser to a server other than Equifax in a way that may not be apparent to you. Web beacons are used to count users who visited specific pages, to provide relevant advertising and content, and to determine which emails were opened and/or acted upon when we send HTML-formatted email messages. We may link your identifying information to web beacons.

Pages you view and actions you take on our site: We collect information about actions you take on our site, such as viewing an alert or participating in a poll. This does not involve information about the content of the pages. We may link identifying information to the activities you perform on the site.

 

Mobile browsing and mobile apps: We have created a specialized version for our web site, which is optimized for access from mobile devices. We have also created specialized software programs (apps) that allow you to access Equifax Personal Solutions from your mobile device We collect the same information via mobile apps as we do when you access our web site on a computer. In addition, we use your current location to enable the Equifax Places feature of the mobile app. We do not use this data for any purpose not described in this policy.
 

Information We Collect From Others

We may also collect information about your transactions with us, our affiliates, or others, such as the products you ordered. In connection with requests for Personal Solutions products, we access your Equifax individual credit file information and may obtain information from other Credit Reporting Agencies when you order a 3-in-1 product. In connection with verifying your identity we may also collect from outside sources personally identifiable information about you, such as name, address, driver's license information, and e-mail addresses.

When you make a purchase from us or activate a Promotional Code on our site, we may use your name and address to obtain additional information about people in your neighborhood. This is average information for people who live within your 9-digit ZIP code (ZIP+4). The information can include average household income, presence and age(s) of children, presence and age(s) of elderly parents, size and value of dwellings, and other census data. We will use this information, combined with information you provide to us and information collected by our systems, to better understand the characteristics of our customers and visitors to our site and to develop new products and content areas. The information will also allow us to tailor content, advertising and offers to your interests and needs.

When we associate information that we obtain from third parties with personal information that we have collected under this policy, we will treat the acquired information like the information that we collected ourselves. We will not share information we obtain from third parties in personally identifiable form. However, we may share aggregated, non-personal information as described in this policy, including information we obtained from third parties, in a form that will not allow you to be identified.

How We Use The Information We Collect

We use the information we collect about you to handle the requests you make to us, to deliver to you the Personal Solutions products you requested, to administer and secure our web sites and systems, to design new products, and to deliver information and offers to you.

Additionally, as legally permitted, we may use the information we collect for your Personal Solutions Membership and through other interactions with you, including postal address and/or e-mail address, to send you promotions for Personal Solutions products. (Of course, you may opt out of receiving such promotions. See the "Choice and Control Over Your Personal Information" section of this privacy policy.)

We use session and persistent cookies on our site. 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 a Personal Solutions product;

  • Allow us to gather aggregated statistical data about the use of our website;

  • Help us improve your navigation of our web site(s);

  • Enable us to store your preferences for certain kinds of information and marketing offers;

  • Help us to provide features such as personalized greetings;

  • If you're a Member of Personal Solutions, allow us to store your user name and encrypted customer identification number so that we recognize you when you return to our web site;

  • Help us combat identity theft and fraud with more reliable identity verification and authentication data.

 

Our partners use these cookies in order to help us better understand how visitors use our site, 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 OBA Notice by visiting.

As part of our marketing effort, we have agreements with companies, sometimes called "Ad Networks," that serve advertising on behalf of third parties. These companies may place or recognize a unique cookie, also called a "third party cookie," on your browser when you visit a web site that has a contract with a particular ad network or exchange. Ad Networks and Ad Exchanges use cookies to understand Web usage patterns of people who see advertisements, to control the sequence of advertisements you see, to provide you with the most relevant advertising, and to make sure you don't see the same ad too many times. They may connect information about pages you visited on our site with information about pages you visit on other sites and show you advertising based on this combined information, including advertising for our products. While we do not control Ad Networks and Ad Exchanges or what they do with the information they collect, we have relationships only with organizations that have agreed to participate in the Network Advertising Initiative (NAI) and abide by NAI principles, which prohibit members from connecting personally identifiable information to information they collect through cookies without your explicit consent. We also comply with the Self-Regulatory Principles for Online Behavioral Advertising published by the Digital Advertising Alliance (DAA).

To Whom We May Disclose the Information We Collect

We take reasonable precautions to be sure that nonaffiliated third parties and affiliates to whom we disclose your personally identifiable information are aware of our privacy policy and will treat the information in a similarly responsible manner. Our contracts and written agreements with nonaffiliated third parties that receive information from us about you prevent further transfer of the information outside the specific exceptions described below.

We will not disclose your personal information to third parties except to provide you with a product you request or under certain circumstances as described in this policy.

Disclosure for legal reasons: We may release personal information to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or (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.

Agents and contractors: Our contractors sometimes have access to your personal information in the course of assisting in operating our business and providing products to you. These contractors include vendors and suppliers that provide us with technology, services, and/or content for the operation and maintenance of our site. Some of these relationships may be with companies that co-brand portions of their site and services, or that provide services to you on our behalf. Co-branded sites may have their own privacy policies posted on their sites. If you visit a co-branded site, please read the privacy policy that is posted on that site. Access to your personal information by these contractors is limited to the information reasonably necessary for the contractor to perform its limited function. Contractors have an obligation under their contracts with us to keep your information confidential and to comply with our privacy and security policies.


Fraud prevention: 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 geo-location, to our fraud prevention partners. This information may be combined with information from other participating services in order to improve the security of our online environment.  


Links to other sites and social media features and widgets: We may provide links to other sites that provide products and services that might be of interest to you. We also include social media features, such as Facebook Like buttons, and widgets, such as AddThis, on our site to allow you to share or bookmark our content on other sites.  When you click on one of those links, social media features or widgets, we will not provide any personal information about you, but will let the site know that you came from Equifax. Widgets may also collect other 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 sites. Please read their privacy policies in order to understand what information they collect about you and how they use it.

Aggregated, non-personal information: We may share aggregated information about you with third parties. This is information that is combined with the non-personal information of other users and does not allow you to be identified or contacted. Depending on the circumstances, we may or may not charge third parties for this aggregated information. We also may not limit the third parties' use of the aggregated information.

Changes in our corporate structure: If all or part of our company is sold, merged or otherwise transferred to another entity, the personal information you have provided to us may be transferred as part of that transaction. We will take steps to ensure that, without your consent, any personal information that is transferred will not be used or shared in a manner inconsistent with the Privacy Policy under which it was collected.

Your Choice and Control Over Your Information

You may decline to provide personal information to us and/or refuse cookies in your browser, although some features may not be available to you or may not function properly as a result.


Disabling Cookies: To turn off cookies placed by our web site analytics, optimization, and marketing partners, you can opt out by visiting  http://www.omniture.com/en/privacy/policy#optout.  If you wish to opt out of participating in advertising programs conducted by widget platforms, Ad Networks and Ad Exchanges please go to the NAI Opt-Out site at http://www.networkadvertising.org/choices/  and follow the instructions on that site. You can opt out of Online Behavioral Advertising at http://www.aboutads.info/choices/ or by clicking on the Ad-Choices icon in or near the ad. After you opt out, you will still see advertising, but this advertising will not be tailored to your Web preferences and usage patterns. 

Your browser software can be set to reject all cookies or to accept cookies only from our site. Most browsers offer instructions on how to reset the browser to reject cookies in the "Help" section of the toolbar. If you reject our cookies, you may not be able to log in or use certain functions and conveniences of our site.

 

Avoiding Web Beacons: To avoid web beacons in some emails, log in to Member Center, select My Profile under Member Services, and select "Text" for E-mail Format.

Opting Out of Our Providing Information About You To Third Parties: If you prefer that we not disclose to non-affiliated third parties your personally identifiable information except as permitted by law, you may choose to opt out of such disclosures. You may exercise your right to opt out at any time by editing your profile within the Member Center.

Opting Out of Our Personal Solutions Promotional Offers: If you do not wish to receive promotional offers sent to you by e-mail, you may opt out of further promotional offers by clicking on the "unsubscribe" button in the e-mail or by editing your profile within the Member Center. After you opt out, you will continue to receive e-mails related to the operation and administration of your account, such as a request for updated credit card information when the card to which you charge your purchase of Personal Solutions product is about to expire.

Opting Out of Prescreening or Pre-Approved Offers: Equifax Information Services LLC maintains your credit file and provides information to certain customers, including credit card companies and lenders, so that they may offer pre-approved offers to you as permitted by the FCRA. If you prefer not to receive such offers, visit www.optoutprescreen.com or call toll free 1-888-5-OPT OUT (1-888-567-8688).


Do Not Track signal: We treat the data of everyone who comes to our site in accordance with this privacy policy, whatever their Do Not Track setting. We give you choices about turning off tailored advertising, sharing your information with third parties, and receiving promotional offers. You can exercise your choices as described in this section of our privacy policy.

Efforts We Make to Safeguard Your Personal Information


We are committed to protecting the security of your information through procedures and technology designed for this purpose by taking these steps:

  • We limit access to your personal information to employees having a reasonable need to access this information to provide products and services to you. Employees who misuse information are subject to disciplinary action, including termination.

  • We have reasonable physical, technical and procedural safeguards to help protect your personal information.

  • In areas that contain your personal information, we use secure socket layer (SSL) encryption to help protect this information while it is in transit between our servers and your computer.

  • Before we provide you access to your Personal Solutions product for the first time, we verify your identity.


What you can do to help keep your information secure


You also have a role in protecting the security of information about you.


Choose your passwords carefully: Always create a password that's easy for you to remember but difficult for someone else to figure out. Don't use your name, address, phone number, initials, Social Security number, license plate or birthday. Don't use names of your friends, family or pets, company names, common numerical sequences or the word "password."


Log out and close your browser: Open browsers invite snoops. When you finish your online session, close your browser to erase any information it may have temporarily stored on your computer.


Install antivirus software and spyware protection: Viruses are dangerous. They can slip into your system without your knowledge. Some viruses such as Trojan Horses can capture the contents of your system, including your passwords. Installing up-to-date antivirus software and running it will help thwart these and other unwanted programs.

Changes To This Policy

We may change our privacy policy in the future, but we will not change our practices until they have been posted at this website. If changes occur, we will also show the date of revision. By using our web sites to which this privacy policy applies you agree that we may notify you of changes in our privacy policy through this web site.