Credit Reporting Services Privacy Policy

Last updated May 19, 2022
Introduction and Scope of Privacy Policy

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 there are any terms in this Privacy Policy that you do not agree with, please discontinue use of our Services immediately.
This Privacy Policy explains how we collect, 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.

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).

1. Whose Personal Information Do We Collect?

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 a 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.

2. What Types of Personal Information Do We Collect?

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, or 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 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.

3. How Do We Use Personal Information?

We use your personal information as follows:

  • – To provide you with the services on our platform, which involves 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, troubleshooting problems
  • – For detecting and protecting against error, fraud or other criminal activity
4. How Do We Share Personal Information?

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 the websites of third parties. 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 the 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.

5. How Do We Respond to ‘Do Not Track’ Signals?

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 a common approach to responding to DNT.

6. Cookies

To make our Sites and services work properly, we sometimes place small data files called cookies on your device. A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, shopping cart, or other preferences) over a period of time, so you do not have to keep re-entering them whenever you come back to the site or browse from one page to another. To learn more, please see our Cookie Policy.

Google Analytics.

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.

Google Ads/Facebook Pixel.

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 or applications and may make the ads you see less relevant to your interests.

7. 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, or all, of these communications from us 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 we understand you may have additional rights in your jurisdiction. We will consider your request in accordance with applicable laws.

California Privacy Rights

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.

*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. If 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.

8. Legal Bases for Processing (EEA and UK Individuals)

If you are from the European Economic Area or United Kingdom, our legal bases for collecting and using your Personal Information is as follows:

  • – As a processor for our Customers. As part of our contract with Customers, we allow them to analyze credit reporting data through our Services. Customers are responsible for the use of personal information from our Services.
  • – The performance of your contract or to enter into the contract and to take action on your requests. For example, the processing of your account registration and payment details.
  • – Our legitimate business interests. For example, fraud prevention, maintaining the security of our network and services, direct marketing to you, and improvement of our services.
  • – Compliance with a mandatory legal obligation. For example, accounting and tax requirements, which are subject to mandatory retention periods. We may also collect your Personal Information to record your requests to exercise your rights and to verify your identity for such requests.
  • – Consent you provide where we do not rely on another legal basis. Consent may be withdrawn at any time.
  • – In some limited cases, we may also have a legal obligation to collect Personal Information from you, in response to lawful requests by public authorities, including to meet law enforcement requirements, as described above in “How Do We Share Personal Information?”

If you have questions about or need further information concerning the legal basis on which we collect and use your Personal Information, please contact us using the contact details provided in the “Contact Information” section below.

9. EEA or UK Individuals’ Rights

If you are from the European Economic Area or United Kingdom, you have the right, under certain circumstances, to:

  • – Access your Personal Information;
  • – Correct inaccurate Personal Information;
  • – Request erasure of your Personal Information without undue delay;
  • – Request the restricted processing of your Personal Information;
  • – Request portability of the Personal Information that you have given us; and
  • – To object to the processing of your Personal Information or to automatic profiling.

If you are from the European Economic Area, you also have the right to lodge a complaint with a supervisory authority, under certain circumstances.

You may contact us using the contact details provided in the “Contact Information” section below for more information or to exercise your rights.

10. International Transfers of Data

Any data that you provide to us may be accessed, shared or processed by our offices, located in the United States, and service providers located in the United States, if such data transfer is necessary for the specific purpose for which you submitted your data (such as the provision of goods or services under a written contract).

This may entail a transfer of your personal information across international borders. The data protections standards may differ and be lower than the standards enforced in your jurisdiction.

11. Children’s Privacy

The Sites are not directed at individuals under the age of 16. We do not knowingly collect personal information from children under 16. If you become aware that a child has provided us with personal information, please contact us using the contact details provided in the “Contact Information” section below. If we become aware that a child under 16 has provided us with personal information, we will take steps to delete such information.

12. Change of Control

Personal information may be transferred to a third party as a result of a sale, acquisition, merger, reorganization or other change in control. If we sell, merge or transfer any part of the business, part of the sale may include your personal information.

13. How Do We Protect Personal Information?

We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. For example, when possible, we use encryption to transfer and store data. We further limit access to this data using access controls and confidentiality commitments.

However, no website, application, or transmission can guarantee security. Thus, while we have established and maintain what we believe to be reasonable procedures to protect the confidentiality, security, and integrity of personal information obtained through the Sites, we cannot ensure or warrant the security of any information you transmit to us.

14. How Long Do We Keep Your Information?

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

15. Policy Changes

We may change our Privacy Policy at any time. We encourage you to periodically review this Privacy Policy to ensure you are familiar with the most current version.

16. Contact Information

If you have questions or comments about this Privacy Policy, you may email us at [email protected] or mail us at:

  • Credit Reporting Services, Inc.
    548 Market Street #72907
    San Francisco, CA 94104
    United States