Security
TransUnion Interactive, Inc. understands the confidentiality of information contained in credit reports, and we safeguard the privacy of all information you provide to us through any TransUnion Interactive website.
Identity Verification System (IV)
TransUnion Interactive has designed an Identity Verification System in order to protect your security and privacy. IV seeks to confirm that your personal credit report is being viewed by YOU.
When a customer requests a credit report, IV is intended to confirm the customer's identity. If the customer cannot provide the correct information, the system does not allow that person to view the report.
(Please Note: If you are currently in the identity verification process and you need help, please contact our Customer Service Team.)
SSL (Secure Sockets Layer) Encryption
To ensure that your credit information remains secure and confidential, TransUnion Interactive uses programs that encrypt the data you provide on the order form before transmission to TransUnion Interactive. Encryption is a way of coding the information in a file so that if it is intercepted by a third party as it travels over a network, it cannot be read. Only the person or persons that have the right type of decoding software can unscramble the message. Thus, your encrypted information can only be read by TransUnion Interactive.
Questions or concerns about the TransUnion Interactive's security system? Please contact the Customer Service Team.
Privacy Notice for TransUnion Consumer Interactive
Effective Date: 01/01/2020
Last Updated: 12/23/2019
I. Introduction
This Privacy Notice ("Notice") provides information about how TransUnion Interactive, Inc. ("We," "Us," "Our," "TUI") collects, uses, protects, and shares personal information about you and describes the rights you may have regarding your personal information. This Notice applies to TUI, its websites, applications, products ("The Products"), features, and application program interfaces, when you communicate or interact with us either directly or through the use of any of our online systems and applications, (collectively, the "Online and Offline Services"). This Notice applies to the CreditView™ Dashboard membership program.
Use of our Online and Offline Services constitutes your agreement to the terms of this Notice. If you do not agree with the terms of this Notice, please do not use our Online and Offline Services.
II. Collection and use of your personal information
Personal information we may collect, from whom we may collect, and why we may collect it
Identifiers, including those in the California Customer Records statute
We may collect
Including, but not limited to the following:
- Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; an email address (so we may communicate with you); a telephone number
- Social security number; or certain other information, such as date of birth, employment information, and credit card account information
- Device identification information which we may associate with a mobile telephone number you provide in order to access the Online Services
- Information collected passively via cookies and similar technology
- IP addresses, device identifiers, and application identifiers
- Account and password information related to financial services
- Debt, income and financial information
- Driver's license number and passport number
- Utility and income information
From whom we may collect it
- Consumers
- Information collected passively via cookies and similar technology
- Advertising Partners
- Credit reporting agency and its Affiliates
- External data providers, vendors
Why we may collect it
- To verify your identity
- To enroll you in the Product, finalize your application during the enrollment process and create your TUI Product membership program
- To provide you with products and their features
- To send emails and other alerts
- To process payment and complete the transaction
- To provide you with quality customer service
- For product development, product research, and product improvement by TUI and its Affiliates, or the TransUnion family of companies
- We may use your information to prevent fraud on your account, or to identify fraudulent activity towards TUI
- To enhance and optimize your experience on our Online and Offline Services and improve our Products, for example, to test new products, to determine if products that we are contemplating may be desirable to our customers, for analytics, marketing research, and business analysis
- To perform analytics, improve user experience, improve our product offerings
- To maintain the accuracy of your credit report and information
- To participate in our affiliate program, subscribe to our emails or newsletter, participate in one of our contests or surveys or transact other business with us
- To display, optimize and provide you with personalized advertisements
- To communicate with you
- For fulfillment of your requests and purchases, transactional and other communications about the Online Services, Offline Services and Product; promotional opportunities and generally for TUI's and its Affiliates' internal business purposes such as, for example, internal analyses and audits
- For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law
- For data utilization from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.) to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.
Protected classification characteristics under California or federal law
We may collect
Including, but not limited to the following:
- Date of Birth
- Ethnicity
- Marital Status
From whom we may collect it
- Consumers
- Advertising Partners
- Credit reporting agency and its affiliates
Why we may collect it
- To verify your identity
- To enhance and optimize your TUI Product membership program experience
- To provide you with advertisements that are more relevant to your demographic
- To finalize your application and create your TUI Product membership program
- To display, optimize and provide you with personalized advertisements
- For fulfillment of your requests and purchases, transactional and other communications about the Online Services, Offline Services and Product; promotional opportunities and generally for TUI's and its Affiliates' internal business purposes such as, for example, internal analyses and audits
- For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law
- We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.
Commercial information
We may collect
Including, but not limited to the following:
- Purchase records of our Product
From whom we may collect it
- Consumers
- Payment processor
- TUI
Why we may collect it
- For fulfillment of your requests and purchases, transactional and other communications about the Online Services, Offline Services and Product, promotional opportunities and generally for TUI's and its Affiliates' internal business purposes such as, for example, internal analyses and audits
- To keep a record of your transaction history.
Biometric
Internet or other similar network activity
We may collect
Including, but not limited to the following:
- Information about your interactions with the website, for example, when you view or search content, we receive and track that information; web session; log file information; information such as the website(s) you visited, when you visited the website, how long you stayed, your behavior while you were on our website and from what device you accessed the website; device identification information which we may associate with a mobile telephone number you provide used to access the website; the IP address and information related to that IP address, the internet service provider or proxy used, operating system information, browser information (the pages you view, how long you stay on each page, how often you come back and your behavior while you are on our websites); and which advertisement, emails, SMS notifications or other push notifications related to the website and/or Product, offer or online content you view, access, or click on, including to get to the Online Services or while you are on the websites
- Information collected from advertising partners
- Local Storage Objects such as HTML5 and Flash to store content information and preferences
From whom we may collect it
- Consumers
- Cookies and similar technology
Why we may collect it
- To continually enhance and optimize the Product and the Online Services, based on up-to-date user experience and available technology
- To improve the delivery and development of the Product
- To customize your web site and/or customer service experience
- To develop new Products
- To display, optimize, and provide you with personalized advertisements
- To measure advertising effectiveness
- To perform site analysis
- For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law
- We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.) to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.
Geolocation data
We may collect
Including, but not limited to the following:
- We collect geolocation by using various technologies to determine your location including, but not limited to IP address, Wi-Fi access points, and cell towers
From whom we may collect it
- Consumers
- Cookies and similar technology
- Telecommunications providers
Why we may collect it
- Fraud prevention
- Targeted advertisements
- For fulfillment of your requests and purchases, transactional and other communications about the Online Services, Offline Services and Product; promotional opportunities and generally for TUI's and its Affiliates' internal business purposes such as, for example, internal analyses and audits
- For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law
- We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.) to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.
Sensory data
We may collect
Including, but not limited to the following:
- Audio and electronic recording, for example, when you call in with a question to customer service
From whom we may collect it
Why we may collect it
- To provide customer service and support consumers
- To train agents to ensure best customer service delivery
- To ensure legal and compliance obligations
- To help answer questions and resolve disputes
Professional or employment
We may collect
Including, but not limited to the following:
From whom we may collect it
Why we may collect it
- To enhance and optimize your experience and improve our Products and our Affiliates' Products, for example, to test new products, to determine if products that we are contemplating may be desirable to our customers, for analytics, marketing research, and business analysis
- To display, optimize and provide you with personalized advertisements.
Non-public education information
Inferences drawn from other personal information
We may collect
Including, but not limited to the following:
- Site preferences and characteristics, for example, your behavior on our sites
From whom we may collect it
- Consumer
- Cookies and similar technology
- Advertising partners
Why we may collect it
- To determine how users interact with our website and how we can improve the user experience
- To create a customer profile in order to better optimize your customer experience and offer personalized advertisements
- For fulfillment of your requests and purchases, transactional and other communications about the Online Services, Offline Services and Product; promotional opportunities and generally for TUI's and its Affiliates' internal business purposes such as, for example, internal analyses and audits
- For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law
- We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.) to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures [FV1] of your personal information.
III. Sharing your personal information
Personal information disclosed for a business purpose during the prior 12 months, by category of third parties
We may share your personal information with the following recipients or categories of recipients:
Identifiers, Personal information categories listed in the California Customer Records statute, Protected classification characteristics under California or federal law
- Commercial partners, in order to provide and continually enhance the Product and deliver Personalized Offers to you
- Consumer data resellers, with whom we form indirect partnerships
- Advertising networks, to provide personalized advertisements, reporting purposes, analytics, if applicable
- Affiliates, to improve their product offerings, to offer consumers targeted offers and advertising
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance or modify our Online Services, Product and understand consumer and optimize experience
- Service provider, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the Online Services website to a third party site
- Marketing companies, to provide personalized advertisements and enhance the your experience; measure advertising effectiveness; provide advertising services such as advertising placement, advertising performance, cookie management
- Affiliates, or the TransUnion family of companies, to enable updates on TransUnion's consumer credit database; deliver, enhance or develop the Products and those of TransUnion companies, or for internal business purposes; and to provide you with products, to improve our product offerings, to facilitate and improve our advertising, improve our database accuracy, or to send you Personalized Offers
- Government entities and regulators, to respond to regulator request
- Parties to litigation, to provide required documentation for litigation
- Operating systems and platforms, to share with a different system or database, for example, to process payments
- Law enforcement agencies, without your consent pursuant to a subpoena or when required by other legal process, government request, to protect TUI's rights, to protect the rights, privacy, safety or property of TUI and its Affiliates, you, or another individual, and otherwise as may be necessary or required by applicable law or regulation. This may include responding to legal requests from jurisdictions outside of the United States; to detect, prevent and address fraud and other illegal activity, including as part of internal investigations and remediation efforts, to protect TUI and its Affiliates, you and others, and to prevent harm to you or any other individual
- To consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to TUI and with the understanding that such professionals will abide by our security and confidentiality policies
- Internet service providers
- Data analytics providers, to optimize customer experience
- Credit reporting agencies to obtain your requested credit report.
Commercial information
- Data analytics providers, for testing purposes
- Affiliates, or the TransUnion family of companies, to enable updates on TransUnion's consumer credit database; deliver, enhance or develop the Products and those of TransUnion companies, or for internal business purposes; and to provide you with products, to improve our product offerings, to facilitate and improve our advertising, or improve our database accuracy.
Internet or other similar network activity
- Data analytics providers, to optimize customer experience
- Service provider, to scrub against opt out list
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver Personalized Offers to you
- Consumer data resellers, with whom we form indirect partnerships
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance or modify our Online Services, Product and understand consumer experience
- Marketing companies, to provide personalized advertisements and enhance your experience
- Service providers, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and to interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the Online Services website to a third party site
- Internet service providers.
Geolocation data
- Data analytics providers, for analytics and testing purposes.
Sensory data
- Law enforcement agencies, only as required by law
- Government entities and regulators, to respond to regulator request
- Parties to litigation, to provide required documentation for litigation.
Professional or employment
- Service provider, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, to interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the Online Services to a third party site
- Affiliates, or the TransUnion family of companies, in order to deliver, enhance or develop the Products and those of TransUnion companies, or for internal business purposes
- Data analytics providers, to optimize customer experience
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver Personalized Offers to you
- Consumer data resellers, with whom we form indirect partnerships
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance or modify our Online Services, Product and understand consumer experience
- Marketing companies, to provide personalized advertisements and enhance your experience.
Inferences drawn from other personal information
- Service provider, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the Online Services to a third party site
- Affiliates in the TransUnion family of companies, in order to deliver, enhance or develop the Products and those of TransUnion companies, or for internal business purposes
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver Personalized Offers to you
- Consumer data resellers, with whom we form indirect partnerships
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance or modify our Online Services, Product and understand consumer experience
- Marketing companies, to provide personalized advertisements and enhance your experience.
IV: Personal information sold
Categories of personal information sold during the prior 12 months, by category of third parties
Identifiers and Personal information categories listed in the California Customer Records statute
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver personalized offers to you
- Consumer data resellers
- Marketing companies, to provide personalized advertisements and enhance the your experience
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Protected classification characteristics under California or federal law
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver personalized offers to you
- Consumer data resellers
- Marketing companies, to provide personalized advertisements and enhance the your experience
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Commercial information
- Advertising networks, to provide personalized advertisements
- Consumer data resellers
- Marketing companies, to provide personalized advertisements and enhance the your experience
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Biometric - We do not sell this category of personal information.
Internet or other similar network activity
- Advertising networks
- Commercial partners
- Consumer data resellers
- Marketing companies
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Geolocation data – We sell personal information that may allow a third party to determine location, such as IP addresses.
- Advertising networks
- Commercial partners
- Consumer data resellers
- Marketing companies
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Sensory data – We do not sell this category of personal information.
Professional or employment
- Advertising networks
- Commercial partners
- Consumer data resellers
- Marketing companies
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
Non-public education information (per the Family Educational Rights and Privacy Act) – We do not sell this category of personal information.
Inferences drawn from other personal information
- Advertising networks, to provide personalized advertisements
- Commercial partners, in order to provide and continually enhance the Product and deliver personalized offers to you
- Consumer data resellers, with whom we form indirect partnerships
- Marketing companies
- Data analytics providers, to enable TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services, Product and understand consumer experience
- Third parties with whom we contract to enable certain services, such as, for example, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from the site to a third party site.
V. Your Authorization to TUI
When you enrolled, you provided written instruction and authorization for TUI to obtain your credit information from TransUnion, Experian and Equifax (depending on the Product) to display it to you, as well as to use and share the information provided by you, along with your credit information, to obtain Personalized Offers from third parties and display Personalized Offers to you.
VI. Cookies, pixels, and similar technology
Information collected passively via cookies and similar technology
A cookie is a small text file that a web server places on your computer or device when your browser accesses a website. Cookies store data specific to a client or website and are designed to create a record of or "remember" online activity. We use cookies for a number of different purposes. Some cookies are necessary to ensure the site functions properly and some enable us to deliver an individualized Online Services experience.
When you use the site, TUI, commercial partners, and service providers may use cookies and similar technologies like pixel tags and web beacons to facilitate your access to and use of our Online Services, and to improve, enhance and personalize your experience for advertising purposes on the site. For example, we use this technology to recognize you each time you return to the site using the same computer or device so that you do not have to re-enter all of your personal information on each visit. Like many websites, we also use this technology to collect and store information to customize user experience, track activity on the site, as well as to deliver and measure online advertising, including Personalized Offers and retarget advertisements. TUI advertising commercial partners and service providers may also use cookies or similar technologies for the management and delivery of email communications so that, for example, TUI knows when an email communication to you has been delivered or opened.
You generally have the ability to accept or decline cookies. Most web browsers give you a choice to modify your browser settings to decline some or all cookies. We provide you choices to manage your privacy and sharing. Not accepting cookies may make certain features of the site unavailable to you. If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm.
Partners and service providers may separately permit you to opt-out of some or all of their information collection activities.
VII. Analytics
TUI uses a number of additional third party tools for analytical and advertising purposes. These tools provide internet or similar network activity, geolocation and inferences drawn from other network activity, collected over time, and from other websites on which TUI displays advertisements and enables TUI to understand and improve the delivery of advertisements, enhance or modify our Online Services and Product, as well as understand consumer experience. We may also use this information to segment, enhance or modify our advertisements and to personalize your experience.
Analytics Disclosure
TUI uses Google Analytics 360, including Google Tag Manager and Google Ads. If you would like to learn more about Google Analytics, or opt-out of this data collection and sharing activity, please use this link: www.google.com/policies/privacy/partners/.
VIII. TransUnion's credit reporting business
Access to information on this TransUnion database is limited to: (1) entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act; (2) entities with a permitted use under the Gramm-Leach-Bliley Act; (3) companies who resell TransUnion data as permitted under law; and (4) companies who process data on behalf of TUI or TransUnion.
IX. Do not track
TUI sites will not place cookies on your devices or collect information via cookies or other tracking technologies when browsers are set to "Do Not Track."
X. Personalized (Third Party) Offers
In order to provide you with an optimal consumer experience, TUI strives to continually personalize the Product, including the offers displayed on the Product dashboard and delivered to you by email for some of the Online Services. TUI wants users to have access to Personalized Offers based on individual user credit experience, and not generic offers that may or may not be suited to an individual user's needs. Personalized Offers, including prescreen offers, are third-party offers displayed automatically on the Product dashboard, via email, and in addition to other display locations as part of the Product. TUI may share personal information with Affiliates and commercial partners or service providers so that the Personalized Offers can be generated by the third party and then displayed to you. For example, in order to enable the delivery of a Personalized Offer from a lender (itself or through an aggregator of loan offers), the lender must have access to your personal information to extend an appropriate offer for which you may be eligible. The lender may separately access your credit information if it has a lawful purpose to do so.
In addition to seeing personalized offers on the Product dashboard, you may receive personalized offers via email or other forms of communication from TUI.
XI. Links to other sites or services
This Notice does not apply to other third-party sites or services. Please remember that Personalized Offers and other opportunities presented on Online Services will include a link or linking ability to a third-party site or application. If you click on a link or browse to a third-party site from our site/service, your activity and interaction is subject to that third party's rules and policies. These third party sites are not controlled by TUI and TUI is not responsible for the privacy practices or the content of any such third party site. Personalized Offers are provided to you as a convenience and the display of a third party offer through our Online Services is not an endorsement by TUI. If you provide any information to a third party, then the third party's respective privacy policies will apply with regard to any information you provide or which may be collected by the third party. If, however, the third-party site provides that TUI's Privacy Notice applies to the information provided by you on that site, then TUI's policies will apply to the information collected for the purpose of enrolling in the Product once we receive the information from you or the third party. We recommend that you review the online privacy statements on these other sites to understand their privacy practices and treatment of personal information so that you can make an informed decision regarding your use or interaction with their site/service.
Under the FCRA, our parent company, TransUnion, may provide information to companies that provide you with pre-approved offers of credit or insurance. If you prefer not to receive such offers, you may opt-out by calling 1-888-5OPTOUT or visiting https://www.optoutprescreen.com/.
XII. Market Research
From time-to-time, you may be presented with a survey or other questions to solicit feedback about your use of the Product and the Online Services. Your participation in these types of market research activities is optional. Should you choose to participate, we may use information you provide to improve and/or develop our Product and services.
XIII. Securing your personal information
We take security seriously at TUI and TransUnion and maintain physical, electronic, and administrative safeguards to protect any information that we collect. TransUnion and TUI use security technologies to safeguard credit information and any information you provide us, and maintain policies, procedures, and compliance mechanisms, such as training, independent review and third-party verification of our stated practices, to ensure adherence to our information security plans. When TUI shares information as described in this Privacy Notice, we enter into written agreements with such third parties to ensure that the physical and information security environments of such third parties satisfy TransUnion and TUI standards.
XIV. Managing Your Account
You are responsible for maintaining the accuracy of the information that you provide to TUI and for your own password management and online safety when accessing this Product. Please always consider best practices like changing your password routinely, using a strong password that is not the same as you use for other websites, and not accessing the Product with unsecure devices or unsecure networks. You may make changes to your account settings on the Your Profile settings tab, including your email address, phone number, mailing address, payment card information and password details. You may also cancel your account online, if applicable, and manage communications preferences related to certain types of communications (email and SMS/MMS) from TUI to you. Please note that although you may manage communication preferences so that you do not receive commercial communications from TUI outside of the Product dashboard, you may not decline to receive transactional communications from TUI, which contain information about your account and the Product.
Please also note that important information about your account, including the alerts that are a part of the Product, will be sent to the email address and/or phone number that you have provided, if applicable. It therefore is important that you update your account information when necessary and actively check email communications from TUI.
XV. Personal information of Children
You must be at least 18 to access our Online and Offline Services and Products or become a member of any membership program entitled to membership benefits. Our Online and Offline Services are not intended for use by children and we do not knowingly solicit or collect information from children.
XVI. Assignment
TUI reserves the right to transfer or assign any and all of the information that we collect on the website to an Affiliate including in connection with any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of part or all of the business, assets or stock of TUI.
XVII. California Privacy Rights
Under the California Consumer Privacy Act (CCPA), you, as a California resident, have the following rights.
Right to Access/Disclosure Right
You have the right to request a disclosure of the personal information collected, sold, and shared about you over the past 12 months and the purpose for doing so. Upon submission of a verifiable consumer request, we will provide you with the following information.
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you.
- A list that includes the personal information that we disclosed for a business purpose, identifying the category of personal information that each category of recipient obtained; and
- A separate list that includes the personal information we sold, identifying the personal information categories that each category of recipient purchased.
If we provide this information to you electronically, the information will be in a portable format. To the extent that it is technically feasible, we will provide you the information in a readily usable format that you can easily transfer to another entity. If you intend to exercise your rights with TUI, click here. Please refer to your primary banking CCPA site or guidance page for more information.
Right to Deletion
If we collected personal information from you, you have the right to request the deletion of this personal information. If you intend to exercise your rights with TUI, click here. Please refer to your primary banking CCPA site or guidance page for more information.
Right to Be Free from Discrimination
You have the right to be free from discrimination for exercising any of the California consumer privacy rights. If you choose to exercise any of your CCPA rights, we will not:
- Deny you goods or services;
- Charge you a different price or rate for goods or services, including through granting discounts or other benefits, or imposing penalties;
- Provide you a different level or quality of good or services; or
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Right to Opt-Out of the Sale of Personal Information
You have the right, at any time, to direct a business that sells or will sell your personal information to third parties to not sell your personal information. If you would like to exercise this right TUI, visit our "Do not sell my personal information" page. Please refer to your primary banking CCPA site or guidance page for more information.
Right to Opt-In the Sale of Personal Information for Children
We do not provide a right to opt-in because we do not offer this Product to minors.
Right to Know
You have the right to know the categories of personal information we collect and the purpose for the collection.
You have the right to know the categories of personal information that we collected, sold, and disclosed for a business purpose during the prior 12 months. The charts in Sections 2 and 3 above summarize the categories of personal information that we have generally collected, sold, and disclosed for a business purpose in the preceding twelve months.
Please review the sections titled "Collection and use of your personal information" and "Sharing your personal information" to understand our practices. If you intend to exercise your rights with TUI, click here. Please refer to your primary banking CCPA site or guidance page for more information.
XVIII. Notice changes and effective date
We may periodically make changes to this Notice and recommend that you check back to review this Notice so that you always know how we collect, use, and share your personal information. TUI reserves the right to change this Notice at any time without prior notice. We will inform you of changes to the Notice on the website. The effective date denotes the date that we publish this Notice to our online services. Use of the Product following any change constitutes your acceptance of the Notice then in effect. We encourage you to check the website periodically for updates to our Notice.
Terms and Conditions
THE TERMS AND CONDITIONS BELOW CONTAIN AN ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER.
Welcome to CreditView Dashboard (here on referred to as CreditView), provided by TransUnion Interactive, Inc. CreditView is subject to your provider’s Online Terms and Conditions. In addition, by accessing and using CreditView, you agree to be bound by the below Terms and Conditions. YOU MUST ACCEPT THE TERMS AND CONDITIONS BELOW BEFORE YOU WILL BE PERMITTED ACCESS TO CREDITVIEW.
Eligibility and Availability
CreditView is offered to select account holders only. To access CreditView, you must have already enrolled in your provider's online account management and accepted the online terms and conditions. CreditView is only available if we can match your personal information with your credit file. You will not have access to CreditView if you do not have access to your provider’s online account management. We may terminate access to CreditView for any reason and without notice. You may ask to cancel your enrollment at any time and it may take up to 60 days to process your cancellation request. CreditView is only available in English at this time.
Registration and Accurate Information
If you chose to access CreditView, you will be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion Interactive promptly of any unauthorized use of CreditView and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your right to access CreditView.
Consent to Obtain Credit Information
In order to deliver CreditView to you, we must obtain your credit file and other information. You hereby authorize TransUnion Interactive, Inc. to access your credit file from TransUnion and exchange certain information about you in order to verify your identity and provide you CreditView. Each time you access CreditView, you are providing “written instructions” as set forth in the Fair Credit Reporting Act for TransUnion Interactive to obtain your consumer credit report from TransUnion, a consumer reporting agency.
TransUnion Credit Score
The credit score provided is your VantageScore® Credit Score, which is a model created by the three major credit bureaus, Equifax, Experian and TransUnion. VantageScore® Credit Score predicts credit risk. Specifically, it measures the probability that a person will pay his or her debts on time. There are many different credit scores in the marketplace based on different models with different scoring ranges. The scores provided by CreditView are for educational/informational purposes only and are not intended for use by lenders. CreditView can only evaluate the account information that appears on your TransUnion consumer credit report. Accounts not reported to or subsequently deleted from your TransUnion consumer credit report will not be reflected in your score. CreditView does not maintain your credit report information and is not able to make any changes to it. CreditView cannot initiate any disputes on your behalf. CreditView and TransUnion Interactive, Inc. are not responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.
Simulations
CreditView has a credit score simulator that estimates how certain changes in your credit behavior may impact your credit score. This simulator shows how these changes impact the credit score displayed on CreditView, which is the VantageScore® credit score. Simulated scores and score changes simulated by CreditView are only predicated estimates. CreditView and TransUnion Interactive do not guarantee that your actual credit score will change by the same amount, in the same way, or at all.
Credit Monitoring Only
CreditView and TransUnion Interactive are not credit repair or credit counseling organizations or similarly regulated organizations under other applicable law, and do not provide credit repair advice. CreditView is not a credit repair tool and makes no representation or promise that it will improve your credit record, credit history or credit rating or provide you with any assistance in that regard.
Communications
You agree to receive in electronic form these Terms and Conditions and all other communications regarding CreditView. As part of the CreditView service, we may send you alerts by email, text message, telephone, or mail. You consent to receive these communications. You can withdraw your consent only by cancelling your enrollment in CreditView.
Right To Receive A Free Credit Report From AnnualCreditReport.com
Under the Fair Credit Reporting Act, you are entitled to receive a free disclosure of your credit report from each of the national credit reporting agencies annually. For more information visit AnnualCreditReport.com.
Intellectual Property
The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on CreditView are the property of TransUnion Interactive or its licensors and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within CreditView, TransUnion Interactive owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from CreditView for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion Interactive or the owner of the Content.
DISCLAIMER OF WARRANTIES AND LIABILITIES
CREDITVIEW, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH CREDITVIEW, IS PROVIDED TO YOU "AS IS". TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH CREDITVIEW, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO CREDITVIEW, PRODUCTS OR SERVICES OR THAT CREDITVIEW, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRANSUNION INTERACTIVE AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF CREDITVIEW, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING CREDITVIEW, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION INTERACTIVE NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO CREDITVIEW, CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
Release
You agree to release, discharge and hold CreditView harmless from any and all claims, losses, damages, obligations, or liabilities, directly or indirectly relating from your use of the CreditView Dashboard. In no event shall CreditView be liable for any direct, incidental, special, punitive or consequential damages however caused arising out of your use, or inability to use, the CreditView Dashboard.
Privacy Policy
By accessing CreditView, you agree that TransUnion Interactive may use and share your personal information in accordance with the terms of our Privacy Statement. Our privacy statement can be reached from the Privacy Policy link located in the footer of each CreditView page.
Applicable Law
The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Delaware, USA, and applicable federal law, without regard to any conflict of law provisions. TransUnion Interactive can provide credit information only for individuals who have established credit in the United States. If you choose to access CreditView from outside the United States, you do so at your own initiative and are responsible for compliance with local laws. You agree that any and all disputes arising under this Agreement or out of TransUnion Interactive's provision of services to you, if submitted to a court of law, shall be submitted to the state and federal courts of New Castle County, Delaware, USA.
Policy Regarding Children
We define children as individuals under the age of 16. CreditView is not intended for the use of children and we do not intend to collect information about children through CreditView. Furthermore, you must be at least 18 years old to access CreditView.
Notices
You should send any notices or other communications regarding CreditView, including products or services accessed through CreditView, to TransUnion Interactive, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401.
Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your personal information, please go to “My Account” and then to “My Information.”
AGREEMENT TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION
THIS SECTION IS AN AGREEMENT TO ARBITRATE DISPUTES (“ARBITRATION AGREEMENT”) THAT MAY ARISE AS A RESULT OF YOUR ACCESS TO AND USE OF CREDITVIEW, YOUR USE OF THE PRODUCTS OR SERVICES ACCESSED BY CREDIT VIEW, AND/OR THESE TERMS AND CONDITIONS. READ THIS SECTION CAREFULLY. YOU UNDERSTAND AND AGREE THAT BOTH PARTIES WOULD HAVE HAD A RIGHT TO LITIGATE DISPUTES THROUGH A COURT AND TO HAVE A JUDGE OR JURY DECIDE THEIR CASE, BUT BOTH PARTIES BY ENTERING INTO THIS AGREEMENT CHOOSE TO HAVE ANY DISPUTE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION, INCLUDING YOUR RIGHT TO APPEAL.
RIGHT TO REJECT ARBITRATION
YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION AGREEMENT, BUT YOU MUST EXERCISE THIS RIGHT PROMPTLY. You must notify us in writing within sixty (60) days after the date you click-on to “Accept” the Terms and Conditions. You must send your request to: TransUnion Interactive, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401. This request must include your current username and a clear statement of your intent, such as “I reject the arbitration agreement in the Terms and Conditions of CreditView.”
In consideration for our willingness to provide you with access to CreditView or any services or products accessed through CreditView, you and we agree as follows:
You agree that any dispute, claim or controversy (“Claim”) between you and TransUnion Interactive or its parent, TransUnion, our agents, contractors, employees, officers or assignees, arising out of or relating in any way to your access to and use of CreditView, your access or use of any product or service accessed through CreditView, and these Terms and conditions, including, without limitation, tort and contract claims, claims based on any federal, state or local statute, law or regulation and the issue of arbitrability must be resolved exclusively by binding arbitration, except for the validity, scope or enforceability of this Arbitration Agreement. However, we will not demand arbitration pursuant to this Arbitration Agreement in connection with any individual Claim that you properly file and pursue in a small-claims court of your state or municipality, so long as the Claim is pending only in that court.
YOU UNDERSTAND AND AGREE THAT NO CLAIM, DISPUTE OR CONTROVERSY MAY BE CONSOLIDATED WITH A DISPUTE OF ANY OTHER PERSON IN ARBITRATION, OR RESOLVED ON A CLASS-WIDE BASIS BY A CLASS ACTION OR OTHER PROCEEDING AND YOU HEREBY WAIVE YOUR RIGHT TO COMMENCE OR PARTICIPATE IN ANY SUCH COLLECTIVE OR REPRESENTATIVE PROCEEDING. Unless a different procedure is required by applicable law, the arbitration will be conducted before a single arbitrator in accordance with the rules of the American Arbitration Association (“AAA”), including the AAA’s Supplementary Procedures for Consumer-Related Disputes.
A demand for arbitration under this Arbitration Agreement may be made either before or after a lawsuit or other legal proceeding begins. However, any demand for arbitration that is made after a lawsuit or other legal proceeding has begun must be made within 90 days following the service of a complaint, third-party complaint, cross-claim or counterclaim or any answer thereto or any amendment to any of the above.
You understand and agree that before you take a dispute to arbitration under this Agreement, you must first contact our customer account representatives and give us an opportunity to resolve this dispute. Similarly, before TransUnion Interactive takes a dispute to arbitration, we must first attempt to resolve it by contacting you. If the dispute cannot be satisfactorily resolved within sixty days from the date you or TransUnion Interactive is notified by the other of a dispute, either party may then contact the AAA in writing and request arbitration of the dispute. Information about the arbitration process and the AAA’s arbitration rules and its fees are available from the AAA on the Internet at http://www.adr.org.
The cost of any arbitration proceeding shall be divided as follows:
- If you initiate arbitration, you will be responsible for paying one half of the filing fee, or $125.00, whichever is less, when the demand for arbitration is made.
- If we initiate arbitration, we will be responsible for paying all arbitration costs.
- Regardless of who initiates the arbitration, you will not be responsible for any arbitration fees that exceed one half of the filing fee, or $125.00, whichever is less, or the fees that you would have incurred if the Claim had been brought in court. Notwithstanding the foregoing, if you believe the cost of arbitration may be too burdensome, you may seek a waiver of the filing fee under the applicable arbitration rules. If you seek, but not qualify for such waiver, we will consider a written request from you to advance all or part of the filing fee.
The arbitration will be based only on the written submissions of the parties and the documents submitted to the AAA relating to the dispute, unless either party requests that the arbitration be conducted using the AAA’s telephonic, online, or in-person procedures (additional charges may apply for these procedures). Any arbitration proceeding will take place at a location within the federal judicial district that includes the most recent U.S. Mail address we have on file for you at the time the Claim is filed or at any other mutually acceptable location.
The arbitrator will be required to follow relevant law and applicable judicial precedent to arrive at a decision and shall be empowered to grant whatever relief would be available in court. Where authorized by applicable law, the arbitrator’s award may include attorneys’ fees and other expenses. You understand and agree that you and TransUnion Interactive are entering into this arbitration agreement in connection with a transaction involving interstate commerce. Accordingly, this arbitration agreement and any proceedings hereunder shall be governed by and enforceable under the Federal Arbitration Act (“FAA”), 9 U.S.C. §§1-16.
Any party to the arbitration proceeding may enter judgment upon the arbitration award in any court having jurisdiction over the arbitration award and may have that judgment enforced by any court having jurisdiction over that judgment. If this Arbitration Agreement is held to be invalid or otherwise unenforceable for any reason, it will be severed from the Agreement and the parties agree that exclusive jurisdiction and venue for any claims will be within the federal judicial district that includes the most recent U.S. Mail address we have on file for you at the time the Claim is filed or at any other mutually acceptable location.
BECAUSE YOUR ACESS TO AND USE OF CREDITVIEW REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTIVE PROCEEDING. OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION.
The arbitrator’s decision shall become final and binding after 30 days unless a party to the arbitration takes an appeal from the decision by making a written request to AAA. The appeal panel, which will consist of three arbitrators, will consider all factual and legal issues anew, will conduct the appeal in the same manner as the initial arbitration, and will make decisions based on the vote of the majority. We will advance any fees and costs required by AAA to commence any appeal. The appeal panel’s decision shall be final and binding.
In the event of a conflict between the applicable arbitration rules and this Arbitration Agreement, this Arbitration Agreement shall govern. To the extent that the class action and collective action waivers contained herein are rendered invalid or unenforceable by applicable law as to any Claims, this Arbitration Agreement shall not apply to such Claims and thus we may elect to proceed exclusively in court. If any other provision of this Arbitration Agreement should be found invalid or unenforceable, such a determination shall not affect the enforceability of the remaining provisions, which shall remain and continue in full force and effect.