Equifax Personal Products

Effective Date: April 24, 2017

Equifax Consumer Services LLC (“Equifax Consumer Services” or “we” or “us”) provides personal products for individual or household purposes.  This online privacy policy applies to this Equifax Consumer Services website and related mobile applications that link or refer to this policy (collectively and individually, “Website”), and Equifax Consumer Services wants visitors to our Website to understand our privacy practices in connection with this Website.

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

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. 

Other Information   

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.
We may combine all of the personal information and non-personal information we collect or receive about you and use or disclose it in the manner described in this online privacy policy, including to help us better tailor content, advertising, and offers to your interests and needs. 

How we use the information we collect

Processing requests and providing our Website and products:  We use the information we collect about you to handle the requests you make to us, deliver to you the Equifax Consumer Services products you requested, administer and secure our websites and systems, design and test new products, and deliver information and offers to you from us, our affiliates, and nonaffiliated third parties, including to provide you with the information you request and with legal notices or information about changes to this online privacy policy or our Terms of Use.

Promotional offers for Equifax Consumer Services Products and other email communications from Equifax Consumer Services and our service providers:  As legally permitted, we may use the personal information we collect, such as your email address, to send you promotional offers for Equifax Consumer Services products or other email communications, such as offers to participate in polls, surveys, sweepstakes and contests.  In addition, we may use the personal information we collect from you even if you do not become an Equifax Consumer Services customer.  As an example, if you visit this Website to purchase an Equifax Consumer Services product, but do not complete your purchase, we may use the personal information that we collected from you to contact you and request your opinion about your experience on our Website and/or to invite you to consider returning to our Website to become an Equifax Consumer Services customer. You may opt out of receiving such promotional offers via email by following the unsubscribe instructions included in the email communication.  For additional information, please see the “Your Choice and Control Over Your Information” section of this online privacy policy.

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.

Our Website may use Google Analytics, a web analysis service provided by Google, in order to better understand your use of our Website and how we can make improvements. Google Analytics collects information such as how often users visit a website, what pages you visit when you do so, and what other websites you used prior to coming to such website. Google Analytics collects only the IP address assigned to you on the date you visit a website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with your personal information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit a website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to the Website is governed by the Google Analytics Terms of Use.

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.

Otherwise with your consent or at your direction:  In addition to the sharing described in this online privacy policy, we may share personal information about you with third parties whenever you consent to or direct such sharing.  For example, if you voluntarily disclose or post personal information to a community forum, such information will be published to the community and may be published more widely by a member of the community or the nature of the forum. 

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.

Disabling cookies:   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. Most browsers accept cookies automatically, but may be configured not to do so or to notify the user when a cookie is being sent.  If you wish to disable cookies, refer to your browser help menu to learn how to disable cookies.  You will need to manage your cookie settings for each device and browser that you use. You may also be able to opt out of certain tracking technologies by visiting the Adobe opt-out site, and following the instructions on that website.

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.  

CHANGES TO THIS POLICY

We may change this online privacy policy in the future.  If we make changes to this online privacy policy, we will post the revised privacy policy and its effective date on this Website.

HOW TO CONTACT US

If you have questions or comments about this online privacy policy, please email us at privacy@Equifax.com or write to the Chief Privacy Officer, Equifax Inc., 1550 Peachtree Street, NW, Atlanta, GA 30309.  Please reference “Privacy Notice – Equifax Consumer Services,” when contacting us about this policy.