Privacy NoticeLast updated November 21, 2019
agreement to terms
Thank you for choosing to be part of our community at Credit Reporting Services LLC (“Company”, “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 notice, or our practices with regards to your personal
information, please contact us at [email protected]
When you visit our website http://crscreditapi.com (the “Website”), and more generally, use any of our
services (the “Services”, which include the Website), we appreciate that you are trusting us with your
personal information. We take your privacy very seriously. In this privacy notice, 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 notice that you do not agree with, please discontinue use of our Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above,
includes our Website), as well as, any related services, sales, marketing or events.
Please read this privacy notice carefully as it will help you understand what we do with the
information that we collect.
TABLE OF CONTENTS
- 1. WHAT INFORMATION DO WE COLLECT?
- 2. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
- 4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
- 5. HOW LONG DO WE KEEP YOUR INFORMATION?
- 6. HOW DO WE KEEP YOUR INFORMATION SAFE?
- 7. DO WE COLLECT INFORMATION FROM MINORS?
- 8. WHAT ARE YOUR PRIVACY RIGHTS?
- 9. CONTROLS FOR DO-NOT-TRACK FEATURES
- 10. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
- 11. DO WE MAKE UPDATES TO THIS NOTICE?
- 12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
- 13 HOW CAN YOU REVIEW UPDATE OR DELETE THE DATA WE COLLECT FROM YOU?
- 14. HOW CAN YOU REVIEW, UPDATE OR DELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you register on the Website,
express an interest in obtaining information about us or our products and Services, when you participate in
activities on the Website or otherwise when you contact us.
The personal information that we collect depends on the context of your interactions with us and the
Website, the choices you make and the products and features you use. The personal information we
collect may include the following:
All personal information that you provide to us must be true, complete and accurate, and you must notify us
of any changes to such personal information.
2. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
In Short: We only share information with your consent, to comply with laws, to provide you with services,
to protect your rights, or to fulfill business obligations.
We may process or share your data that we hold based on the following legal basis:
Consent: We may process your data if you have given us specific consent to use your personal
information for a specific purpose.
Legitimate Interests: We may process your data when it is reasonably necessary to achieve our
legitimate business interests.
Performance of a Contract: Where we have entered into a contract with you, we may process your
personal information to fulfill the terms of our contract.
Legal Obligations: We may disclose your information where we are legally required to do so in
order to comply with applicable law, governmental requests, a judicial proceeding, court order, or
legal process, such as in response to a court order or a subpoena (including in response to public
authorities to meet national security or law enforcement requirements).
Vital Interests: We may disclose your information where we believe it is necessary to investigate,
prevent, or take action regarding potential violations of our policies, suspected fraud, situations
involving potential threats to the safety of any person and illegal activities, or as evidence in litigationin which we are involved.
More specifically, we may need to process your data or share your personal information in the following
Business Transfers. We may share or transfer your information in connection with, or during
negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of
our business to another company.
information. Specific information about how we use such technologies and how you can refuse certain
cookies is set out in our Cookie Notice.
4. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
Short: In We are not responsible for the safety of any information that you share with third-party providers
who advertise, but are not affiliated with, our Website.
The Website may contain advertisements from third parties that are not affiliated with us and which may
link to other websites, online services or mobile applications. We cannot guarantee the safety and privacy
of data you provide to any third parties. Any data collected by third parties is not covered by this privacy
notice. We are not responsible for the content or privacy and security practices and policies of any third
parties, including other websites, services or applications that may be linked to or from the Website. You
should review the policies of such third parties and contact them directly to respond to your questions.
5. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy
notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this
privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting or
other legal requirements). No purpose in this notice will require us keeping your personal information for
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.
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical
We have implemented appropriate technical and organizational security measures designed to protect the
security of any personal information we process. However, despite our safeguards and efforts to secure
your information, no electronic transmission over the Internet or information storage technology can be
guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other
unauthorized third parties will not be able to defeat our security, and improperly collect, access, steal, or
modify your information. Although we will do our best to protect your personal information, transmission of
personal information to and from our Website is at your own risk. You should only access the Website
within a secure environment.
7. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18 years of age.
We do not knowingly solicit data from or market to children under 18 years of age. By using the Website,
you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to
such minor dependent’s use of the Website. If we learn that personal information from users less than 18
years of age has been collected, we will deactivate the account and take reasonable measures to promptly
delete such data from our records. If you become aware of any data we may have collected from children
under age 18, please contact us at [email protected]
8. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time.
If you are a resident in the European Economic Area and you believe we are unlawfully processing your
personal information, you also have the right to complain to your local data protection supervisory authority.
You can find their contact details here: http://ec.europa.eu/justice/dataprotection/
If you are a resident in Switzerland, the contact details for the data protection authorities are available here:
Personal information you disclose to us
If you would at any time like to review or change the information in your account or terminate your account,
- Contact us using the contact information provided.
Upon your request to terminate your account, we will deactivate or delete your account and information
from our active databases. However, we may retain some information in our files to prevent fraud,
applicable legal requirements.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer,
you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to
remove cookies or reject cookies, this could affect certain features or services of our Website. To opt-out of
interest-based advertising by advertisers on our Website visit http://www.aboutads.info/choices/.
Opting out of email marketing: You can unsubscribe from our marketing email list at any time by clicking
on the unsubscribe link in the emails that we send or by contacting us using the details provided below.
You will then be removed from the marketing email list — however, we may still communicate with you, for
example to send you service-related emails that are necessary for the administration and use of your
account, to respond to service requests, or for other non-marketing purposes. To otherwise opt-out, you
- Access your account settings and update preferences.
- Contact us using the contact information provided.
9. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track
(“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your
online browsing activities monitored and collected. At this stage no uniform technology standard for
recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to
DNT browser signals or any other mechanism that automatically communicates your choice not to be
tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform
you about that practice in a revised version of this privacy notice.
10. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In short Yes, if you are a resident of California, you are granted specific rights regarding access to your
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are
California residents to request and obtain from us, once a year and free of charge, information about
categories of personal information (if any) we disclosed to third parties for direct marketing purposes and
the names and addresses of all third parties with which we shared personal information in the immediately
preceding calendar year. If you are a California resident and would like to make such a request, please
submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with the Website, you
have the right to request removal of unwanted data that you publicly post on the Website. To request
removal of such data, please contact us using the contact information provided below, and include the
email address associated with your account and a statement that you reside in California. We will make
sure the data is not publicly displayed on the Website, but please be aware that the data may not be
completely or comprehensively removed from all our systems (e.g. backups, etc.).
11. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at [email protected] or by
- Credit Reporting Services LLC
- 1024 Iron Point Rd
- Folsom, CA 95630
- United States
13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE
COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by clicking here.We will respond to your request within 30 days.