Privacy Policies

Scope of this Policy

Factual Data 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. 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. This privacy policy is not a contract.

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 https://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. 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 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. We use a persistent cookie to remember you as part of an optional “Remember this device” feature. Your participation in this feature is under your control. 

If you have identified yourself to us through the request forms on our website or through your interactions with us as an employee of a current or prospective customer, we may use cookies to track your activities on our website over time. These cookies do not directly store your personal information, but they may identify your browser, internet device, and similar information. We may then connect this information with your personal information 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 use this information to build a profile of your interests.

Most web browsers give you a choice to modify your browser settings to decline some or all cookies. By continuing to browse this website without adjusting your browser settings to block cookies, you agree to our use of cookies. If you have opted to not accept any cookies, certain features of our website may not be accessible to you.

Choices 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.

Access and Correction of Personal Information

You may access and update the personal information you have provided through our website either by submitting updated information to us using the Contact Factual Data – Client Success form on our website or by contacting us at the email address or telephone number listed below:

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.

Children's Policy

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 Privacy

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. 

Commitment to Privacy

Personal information, as used in this notice, means any information that relates to or can be used to identify an individual person, including name, address, date of birth, telephone number, and Social Security number. In the course of business, our customers provide certain personal information to us in order to obtain our services, as allowed by applicable credit reporting and data privacy laws. As a reseller of consumer reports, Factual Data does not maintain its own database of personal information from which new reports are created. Instead, we obtain personal information, including consumer reports, from third-party sources and deliver this information to our customers.

How We Obtain Personal Information

Personal information, as used in this notice, means any information that relates to or can be used to identify an individual person, including name, address, date of birth, telephone number, and Social Security number. In the course of business, our customers provide certain personal information to us in order to obtain our services, as allowed by applicable credit reporting and data privacy laws. As a reseller of consumer reports, Factual Data does not maintain its own database of personal information from which new reports are created. Instead, we obtain personal information, including consumer reports, from third-party sources and deliver this information to our customers.

How We Use Personal Information

In addition to obtaining and reselling consumer reports to our customers, Factual Data uses personal information to support other business functions, such as maintaining data integrity and accuracy and for fraud prevention, information security, legal support, and statistical analysis. We also access personal information when contacted by consumers in order to authenticate and assist consumers regarding their consumer reports.

Disclosure of Personal Information to Third Parties

Information that Factual Data receives from its customers or data vendors may be sent to our affiliates, subcontractors, or technology and data vendors that assist us in providing services.

Factual Data sells consumer report information to businesses and other customers who have a permissible purpose under applicable credit reporting and data privacy laws to receive this information.

Disclosure of Personal Information for Legal and Safety Reasons

Factual Data may be required to disclose personal information to regulatory agencies, law enforcement agencies, government authorities and agencies and others. We may disclose information as required by law, in the course of litigation, as a matter of national security, to comply with valid legal processes, including subpoenas, court orders, or search warrants, and as otherwise authorized by law. We may also need to disclose personal information in the event of an emergency that threatens an individual's life, health, or security.

Security Measures to Protect Personal Information

We are committed to protecting the confidentiality and security of your personal information and use a variety of security measures, technologies, and procedures to help protect your personal information from unauthorized access, use, or disclosure. These measures include, among other things, administrative, technical, and physical controls and safeguards. Although no data transmission or storage can be guaranteed to be 100% secure, we maintain an information security program that includes safeguards to protect the confidentiality and security of personal information from unauthorized access, use or disclosure in accordance with applicable credit reporting and data privacy laws. We have also taken steps to ensure that access to personal information is limited to necessary employees and third parties.

Retention of Data and Disposal of Personal Information

Factual Data retains personal information for as long as necessary for business purposes and to provide services to our customers. At the end of its retention lifecycle, personal information is destroyed or otherwise rendered inaccessible. Factual Data takes reasonable measures to protect against unauthorized access to or use of personal information in connection with its disposal of such information.

Accuracy of Consumer Reports

Factual Data follows reasonable procedures to ensure the accuracy of information in consumer reports, as required under Section 607(b) of the Fair Credit Reporting Act (FCRA).

Consumer Access and Correction Rights

Consumers can contact us to request a copy of the consumer report previously provided to a Factual Data customer. In order to protect the privacy of consumers, we require that consumers provide proper identification prior to disclosing consumer report information.

Under Section 611 of the FCRA, a consumer has the right to dispute inaccurate or incomplete information in a consumer report. As a reseller of consumer reports, we review the dispute to determine whether the inaccuracy is a result of Factual Data’s report or a result of the information from the consumer reporting agencies. If the inaccuracy stems from Factual Data’s merged report, we will correct or delete the inaccurate information. If the inaccuracy comes from information provided by consumer reporting agencies, Factual Data will convey your dispute to those consumer reporting agencies for further investigation. When the consumer reporting agency notifies Factual Data of the results of their investigation, we will convey the information to you.

Opt Out of Prescreening

Under Section 604(c) of the FCRA, Factual Data may resell consumer reports in connection with any credit or insurance transaction that is not initiated by the consumer if the transaction consists of a firm offer of credit or insurance. This is known as prescreening. Section 604(e) of the FCRA gives consumers the right to opt out of prescreening. Consumers can opt out at www.optoutprescreen.com. The opt-out request is sent to Equifax, Experian, Innovis, and TransUnion. If a consumer opted out and would later like to opt in, the consumer can request to opt in at www.optoutprescreen.com.

Children's Policy

This website is not designed for children. Factual Data does not knowingly collect information on children under the age of 13.

International Residents

This website is not targeted to international residents.

Changes to this Notice

We may periodically make changes to this notice. If we make changes to this notice, we will post the revised notice and its effective date on this website. We encourage you to check back to our website to review the current version of this notice so you will always know how we collect, use, and share your personal information.

Questions Regarding Privacy Practices

If you have questions regarding this notice or Factual Data’s privacy practices, please contact:

Factual Data
Attn: Privacy Officer
250 E. Broad Street
Columbus, OH 43215
Toll Free Phone: 1-833-644-5899