Privacy Policy

LAST UPDATED: January 24, 2025

Thank you for choosing to be part of our community at Credit Reporting Services Inc. (“Credit Reporting Services”, “we”, “us”, “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this Privacy Policy, or our practices with regards to your personal information, please contact us at [email protected].

When you visit our website and subdomains on http://crscreditapi.com (the “Sites”) , and more generally, use any of our services (the “Services”, which include the Sites), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this Privacy Policy, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. IF YOU DO NOT CONSENT AND AGREE WITH THE TERMS OF THIS PRIVACY POLICY, YOU CANNOT, AND WE DO NOT AUTHORIZE YOU TO, ACCESS, BROWSE, OR USE THE CREDIT REPORTING SERVICES OR THE SITES.

This Privacy Policy explains how we collect, we use, and share the personal information that we gather on the Sites, that we collect when you contact us directly to become a Customer or to obtain more information, or that we collect directly through our Customer’s use of our Services, such as through customer service requests. This Privacy Policy also applies to how we collect, use, and share the personal information that we gather through sales and marketing events.

Our processing of personal information, such as your name, address, e-mail address, or telephone number, will be undertaken consistent with the requirements of applicable privacy laws, including, but not limited to, the California Consumer Privacy Act, the California Privacy Rights Act, the Virginia Consumer Data Protection Act of 2021, the Colorado Privacy Act of 2021, the Utah Consumer Privacy Act of 2022, the Connecticut Data Privacy Act of 2022, the Texas Data Privacy and Security Act, the Oregon Consumer Privacy Act, the Montana Consumer Data Privacy Act, the Tennessee Information Protection Act of 2023, the Iowa Consumer Data Protection Act of 2023, the Delaware Personal Data Privacy Act of 2023, the Nebraska Data Privacy Act of 2024, the New Hampshire Privacy Act of 2024, the New Jersey Data Privacy Act of 2024, the EU General Data Protection Regulation, the UK General Data Protection Regulation, and the Canadian Personal Information Protection and Electronic Documents Act.

This Privacy Policy does not apply to the way we process consumer credit information in our role as a vendor to our Customers. If you are an end user of one of our Customers (e.g. our Customers use our credit report services to loan you money, give you credit, offer you insurance, rent you a home, or run credit reports for hiring), please contact the Customer directly for information regarding how they use the personal information gathered from our Services. If you have questions or concerns about information on your credit report, please contact the three major credit bureaus (more information here).

When you visit or log in to our website, cookies and similar technologies may be used by our online data partners or vendors to associate these activities with other personal information they or others have about you, including by association with your email or home address. We (or service providers on our behalf) may then send communications and marketing to these email or home addresses.

You may opt out of receiving this advertising by visiting https://app.retention.com/optout

1. Whose Personal Information Do We Collect?
2. What Types of Personal Information Do We Collect?
3. How Do We Use Personal Information?
4. How Do We Share Personal Information?
5. How Do We Respond to ‘Do Not Track’ Signals?
6. Cookies
7. Artificial Intelligence & Automated Decision-Making.
8. Collection and Use of Sensitive Information
9. California Privacy Rights

Credit Reporting Services obtains information from various entities. These entities are defined below by what they are referred to in this Privacy Policy as and when their information is collected. Entities may overlap and are not exclusive categories.

• Website Visitors: when you visit this website or contact us directly for information
• Customers: when you engage Credit Reporting Services for a free demo or paid services for training, support, or customization of Credit Reporting Services API or other Services
• End Users: when we collect and process information of the end users of Customer on the Customer’s behalf
• Service Providers: when you become a service provider to Credit Reporting Services The use of “you” and “your” throughout this Privacy Policy will, depending on the context, refer to a Credit Reporting Services Website Visitor, Customer, or End User

Information You Give Us Directly

You may give us information by signing up for services with Credit Reporting Services, entering information through our online forms or surveys, providing information during our sales or marketing events, or contacting us by phone or email for information or customer service.

The categories of information include:

● Contact information, such as name, title, company, address, email, and telephone number

● Online identifiers, such as IP address, cookies, username, and password Financial information, such as bank account information or credit card information, for paid accounts

● Professional, educational, or employment related information, such as your resume or CV and any other information required to verify your qualifications, for recruitment purposes

Information About End Users We Collect from Credit Bureaus

If our Customer has engaged the services of Credit Reporting Services, we may collect information about consumers from credit bureaus on behalf of the Customer.

These credit reports are subject to the Fair Credit Reporting Act, and include the following categories of information:

● Contact information, such as name, title, company, address, email, and telephone number

● Commercial information, including records of personal property, products or services purchased, obtained, or considered, other purchasing or consuming histories or tendencies

● Professional or employment-related information

● Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, and credit behavior

Information We Automatically Collect

Like many website operators, we collect information from Website Visitors that your browser sends whenever you visit our website.

This includes Log Data, such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Sites that you visit, the time and date of your visit, the time spent on those pages and other statistics, and whether you reached our page via a social media or email campaign.

This information may be collected via several technologies, including reaching our page cookies, web beacons, clear GIFs, canvas fingerprinting and other means.

You can control cookies in your browser to enable or disable them. Learn more in our Cookie Policy.

We use your personal information as follows:

● To provide you with the services on our platform, which involve credit reporting services

● To bill and collect or provide payment for services rendered

● With respect to website cookies, to share with third-party marketing partners to market our Services on our Sites and other websites that you may visit

● To market our products and/or services to you To analyze Sites usage and improve the services offered

● For market research, project planning, and troubleshooting problems

● For detecting and protecting against error, fraud, or other criminal activity

Affiliates and Service Providers.

We share your information with our third-party service providers and any subcontractors as required to offer you our products and services. These third parties are under a duty of confidentiality.

Third-Party Marketing and Advertising Organizations.

With respect to website cookies, we share your information with third-party marketing and advertising partners to market our Services on our Sites and other websites that you may visit. Learn more in our Cookie Policy.

Third Party Links and Websites.

Our Sites may contain links to and from third-party websites. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any data to these websites.

Disclosures Required by Law.

We may be required to disclose your data in response to lawful requests by public authorities, including to meet law enforcement requirements. We may be under a duty to disclose or share your personal information in order to comply with any legal obligation, to enforce or apply our terms and conditions and other agreements, to protect our rights, property, or safety, or to protect the rights, property, or safety of others. This includes exchanging information with other companies and organizations, such as the credit bureaus, for the purposes of fraud protection.

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.

We do not recognize or respond to browser-initiated DNT signals, as the Internet industry is currently still working toward defining exactly what DNT means, what it means to comply with DNT, and the common approach to responding to DNT.

New standards are being developed for a Universal Opt-Out Mechanism, such as the Global Privacy Control (GPC), which allow users with GPC-enabled browsers and devices to send a signal that will communicate the user’s request to opt-out of sales of their personal information and to opt-out of certain sharing of their personal information.

The CPRA and other laws allow for the acceptance of Opt-Out Preference Signals such as the GPC, as an option for users to transmit an Opt-Out of selling/sharing personal information. If we detect and recognize such a signal from your device or browser, we will honor it.

We may use tools outlined below in order to provide the Sites, advertise to, and better understand users. To make our Sites and Services work properly, we sometimes place small data files called cookies on your device.

● Cookies. “Cookies” are small computer files transferred to your device that contain information such as user ID, user preferences, lists of pages visited and activities conducted while using the Sites. We use Cookies to: (i) improve and tailor the Sites, (ii) customize advertisements, (iii) measure performance, (iv) store authentication so re-entering credentials is not required, (v) customize user experiences, and for (vi) analytics and fraud prevention. For more information on Cookies, including how to control your Cookie settings and preferences, visit http://www.allaboutCookies.org. You can also manage Cookies in your web browser (for example, Edge, Explorer, Chrome, Safari). If you choose to change your settings, you may find that certain functions or features of the Sites will not work as intended. The following details the types of Cookies we use and why we use them:

o Absolutely Necessary Cookies. These Cookies are essential to enable you to move around a website and use its features. Without these Cookies, services you have asked for, like adding items to an online order, cannot be provided.

o Performance Cookies. These Cookies collect information about how you use the Sites. Information collected includes, the Internet browsers and operating systems used, the domain name of the website previously visited, the number of visits, average duration of visit, and pages viewed.

These Cookies do not collect information that personally identifies you and only collect
aggregated and anonymous information. Performance Cookies are used to improve the user-friendliness of a website and enhance your experience.

o Functionality Cookies. These Cookies allow the Sites to remember choices you make (such as your username, language preference, or the area or region you are in) and provide enhanced, more personal features. These Cookies can also be used to remember changes you have made to text size, fonts, and other customizable parts of the Sites. The information these Cookies collect may be anonymized, and they cannot track your browsing activity on other websites.

● Web Beacons: “Web Beacons” (a.k.a. clear GIFs or pixel tags) are tiny graphic image files embedded in a web page or email that may be used to collect information about the use of the Sites. The information collected by Web Beacons allows us to analyze how many people are using the Sites, using selected publishers’ websites, or opening emails, and for what purpose.

We also use Google Ads and Facebook Pixel to deliver tailored advertising on our Sites and other websites that you may visit. You can learn more about how to control advertising cookies by visiting the Network Advertising Initiative’s Consumer Opt-Out link, the DAA’s Consumer Opt-Out link for browsers, or the DAA’s opt-out link for mobile devices. Please note that electing to opt-out will not stop advertising from appearing in your browser applications and may make the ads you see less relevant to your interests.

● Web Service Analytics: We may use third-party analytics services in connection with the Sites, including, for example, to register mouse clicks, mouse movements, scrolling activity and text typed into the Sites. We use the information collected from these services to help make the Sites easier to use and as otherwise set forth in Section 5 (How We Use Your Information). These analytics services generally do not collect personal information unless you voluntarily provide it.

We use Google Analytics. We use the information we get from Google Analytics only to improve this site. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Please refer to Google’s Privacy Policy for more information. You may also choose to download the Google Analytics opt-out browser add-on.

● Mobile Device Identifiers: As with other Tracking Tools, mobile device identifiers help Credit Reporting Services learn more about our users’ demographics and Internet behaviors in order to personalize and improve Sites. Mobile device identifiers are data stored on mobile devices that may track activities occurring on and through it, as well as the applications installed on it. Mobile device identifiers enable collection of personal information (such as media access control, address, and location) and Traffic Data.

To learn more, please see our Cookie Policy.

We employ artificial intelligence (AI) technologies (“AI Systems”) to enhance the performance and functionality of the Services which includes tailoring your experience through automated processing based on your activity using the Services. The AI Systems work by analyzing your usage patterns, preferences, and other interactions within our services to predict your interests and preferences. The insights gathered allow us to improve our service offerings, provide personalized content and advertising, and enhance user satisfaction.

By using the Services, you consent to the use of AI as described in this Privacy Policy to ensure they continue to reflect your preferences.

For more information on your rights and how we use AI, or if you have any concerns about automated decision-making processes, please contact us at [email protected].

Data Collection by AI Systems:
Our AI Systems collect data that you provide directly or indirectly through your interactions with the Services. The data collected may include, but is not limited to:
● Usage data, such as the pages you visit, the links you click on, and the searches you conduct on our platform.
● Device and connection information, including your IP address, browser type, language, and cookies that uniquely identify your browser or account.
● Location information, determined through data such as your IP address or device’s GPS signal.
Automated Decisions:
Our AI Systems may make automated decisions including:
● Content curation and recommendations based on user preferences and historical activity.
● Fraud detection and prevention through behavior analysis to identify and flag unusual activity that deviates from typical usage patterns.
User Rights and Control:
You have the right to:
● Obtain an explanation of any automated decision and challenge its basis.
● Opt-out of certain uses of your data, including profiling activities for personalized content.
● Access the personal data that the AI Systems use or contribute to, and request rectification or erasure of such data.
● Receive information about the logic involved in any automated decisions, as well as the significance and the envisaged consequences of such processing for you.

Safeguards and Oversight:
We are committed to using AI responsibly. To this end, we implement the following safeguards:
● Regular auditing of our AI Systems for accuracy, fairness, and effectiveness.
● Human oversight to monitor AI decision-making and intervene as necessary to address anomalies or biases.
● Compliance with privacy regulations, ensuring that data used by AI is processed lawfully, transparently, and securely.

We have collected the following categories of sensitive personal information from consumers within the last twelve months:
● Government identifiers
We do use or disclose sensitive personal information for purposes other than those specified in the CCPA/CPRA.

Your privacy choices: Please contact us if you would like to request access and/or make any changes to your personal information.

Marketing Opt-Out: We may use your personal information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you.

You may opt out of receiving any, all, of these communications from by following the unsubscribe instructions provided in any email we send, or you can contact us using the contact details provided in the “Contact Information” section below. You will still continue to receive service-related messages concerning products and services you have purchased (unless we have indicated otherwise).

Fair Credit Reporting Act: If you have questions about how our Customers have engaged the services of Credit Reporting Services with respect to your credit reports, please contact the Customer directly about their privacy practices.

If you have questions or concerns about information on your credit report, please contact the three major credit bureaus (more information here).

Exercising Your Privacy Rights: We have listed the privacy rights for several jurisdictions below, but understand you may have additional rights in your jurisdiction. We will consider your request in accordance with applicable laws.

In the preceding 12 months, we collected and disclosed for a business purpose the following categories of personal information about California consumers:

If you are a California consumer, you have the following rights under the California Consumer Privacy Act:

● The right to know what personal information is being collected about you.

● The right to know whether your personal information is sold or disclosed and to whom.

● The right to say no to the sale of personal information.

● The right to access your personal information.

● The right, in certain circumstances, to delete the information you have provided to us.

● The right to equal service and price, even if you exercise your privacy rights.

● The right to be free from unlawful discrimination for exercising any of your privacy rights.

● The right to request that we correct inaccurate personal information regarding the information you provide us.

● The right to restrict the use of your sensitive personal information.

● The right to access information collected through automated decision-making. Additionally, you can opt-out of our use of automated decision-making related to your personal information.

*Please note that consumer credit information is governed by the Fair Credit Reporting Act and not the California Consumer Privacy Act and may be exempt from some of the rights above.

Request for Information and Deletion.

California consumers have the right to request, up to twice in a 12-month period, that a business that collects personal information about the consumer disclose to the consumer the information listed below for the preceding 12 months.

We have the right to request verification of your identity for all requests for information.

1. The categories of personal information it has collected about that consumer.

2. The categories of sources from which the personal information is collected.

3. The business or commercial purpose for collecting or selling personal information.

4. The categories of third parties with whom the business shares personal information.

5. The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold.

6. The categories of personal information that the business disclosed about the consumer for a business purpose.

7. The specific pieces of personal information it has collected about that consumer.

To make such a request, please contact us using the contact information below. you are an end user of one of our Customers, please contact our Customer directly for more information regarding your CCPA rights with respect to your information.

Do Not Sell My Personal Information.

California consumers have the right to opt out of the sale of the consumer’s personal information. We do not sell your email address, contact information, or other marketing information to third parties. However, under the CCPA, some sharing of personal information necessary to provide you with personalized ads may be considered a “sale,;” even if no money is exchanged, such as our use of Facebook Pixel and similar technologies. You may learn more about how to opt out of such personalized ads through our Cookie Policy.

Third Party Marketing.

California Civil Code Section 1798.83 permits you to request information regarding the disclosure of your personal information to third parties for the third parties’ direct marketing purposes.

Please contact us using the contact information below for more information.

Credit Reporting Services

Inc. 548 Market St

#72907 San Francisco

CA, 94104 United States

[email protected]

(866) 730-6365