ConsumerInfo.com, Inc. and its subsidiaries (collectively, "we," "us," or "our") respects individual privacy and values the confidence of our subscribers and consumers. We want you to be familiar with what information we collect about you, how the information is used, and what choices you have regarding the collection and use of your information. The privacy principles that we follow concerning the collection, use, disclosure, and protection of information when providing our products and services are consistent with relevant U.S. federal and state laws. This Privacy Policy (the "Policy") applies to and describes our privacy practices and principles in connection with our subscribers and consumers who access our website or mobile applications. The Policy covers information that we automatically collect directly from you when you interact with our websites and mobile applications, and from third party sources. By using our websites, mobile applications, and/or our products and services, you signify your acknowledgement of this document and consent to the privacy practices described in this Policy. You also agree to obtain annual notices and changes to this Policy electronically by visiting our website.
Personal information is information that identifies you as an individual. The personal information we collect depends on how you interact with us, and the products or services you subscribe to. We collect personal information directly from you through our websites, Application Program Interfaces ("APIs"), mobile applications, and when you contact our customer service. We also collect personal information from third party sources. If you subscribe to our products or services, seek insurance quotes, or apply for insurance, we collect the following information from you: Your contact and identity information such as name, date of birth, postal address, e-mail address, phone number, driver's license number, vehicle information, and Social Security number; Information you provide for identity verification and/or to use features in our products or services. This may include your login, authentication, automobile, insurance underwriting, identification, biometrical, financial detail, and financial account information; Your credit card or other payment account information when you purchase products and services from us; Your children's identity information when enrolling in our child identity protection products, such as your child's name, date of birth, and Social Security number; Your application, user registration, third-party account log-in credentials, policy, carrier, premium, claim, and accident report information when you apply for insurance products or services; Information about the products and services you considered, obtained, or purchased in the past, and other consuming histories or tendencies; Information you provide when you communicate with us via email, chat, text, paper correspondence, and telephone (including voice recordings as permitted by applicable law when you speak with our representatives); Your general feedback, comments, content, or posts submitted to community forum(s) on our Site; Device information such as publisher identifiers, web browser type, web browser plug-in details, operating system version, search engine referral, device type, and information collected through cookies. Depending on the products and services that you subscribe to, we also obtain information about you from others, such as: Information from other Experian companies ("affiliates"), business partners, and third-party providers, such as credit, insurance underwriting, insurance claims, and other information that enables us to provide you products and services; If you provide information that enables us to access data from your financial, insurance, and/or other accounts, we will obtain information from those accounts, including account details, individual payment transactions, deposits, withdrawals, and insurance information; Information that you provide on a third-party website in order to subscribe to our products and services. Please see additional details about third-party websites under the 'Other Important Privacy Information' section below.
(Please note that our Terms of Use Agreement is also referred to as the "Terms and Conditions")
OVERVIEW AND ACCEPTANCE OF TERMS
You agree that by creating an account with ECS (as defined below), or accessing or using our Services (as defined below), website(s) (such as this website, usa.experian.com, or any affiliated website (including, but not limited to, Experian.com, FreeCreditReport.com, FreeCreditScore.com, CreditReport.com, Creditchecktotal.com, CreditScore.com, usa.experian.com, and experian.experiandirect.com)), or mobile applications (such as the Experian app), as well as any content provided or accessible in connection with the website(s) or mobile application(s), including information, user interfaces, source code, reports, images, products, services, and data (each website and mobile application referred to herein as a "Website," and collectively, as "Websites"), you represent to ECS that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein ("Agreement") whether you are a "Visitor" (which means that you simply browse or access a Website), or a "Customer" (which means that you have created an account with ECS, or enrolled or registered with a Website, or are accessing or using a Service).
At Customer's election, Customer may, from time to time, request to receive, and ECS may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee (each a "Service")), and Customer's receipt and use of such Services shall, at all times, be subject to this Agreement. The term "Service" includes, but is not limited to, the provision of any of our products and services, including credit report(s), credit risk score(s), credit monitoring, credit score monitoring and credit score tracking (including all the data and information contained therein), the receipt of any alerts notifying you of changes to the information contained in your credit report(s), regardless of the manner in which you receive the Services, whether by email or mail, through a website or mobile application, by telephone, or through any other mechanism by which a Service is delivered or provided to you. The term "you" or "User" refers to a Visitor or a Customer. For purposes of this Agreement, the terms "we," "us" or "ECS" refer to ConsumerInfo.com, Inc., an Experian® company (also known as Experian Consumer Services) and referred to as "Experian" on the Websites, its predecessors in interest, successors and assigns, affiliates, and any of its third party service providers (including, without limitation, cloud service providers) who ECS uses in connection with the provision of the Services to you. If you are a Visitor and do not wish to be bound by this Agreement, you should immediately cease accessing and using the Websites. Notwithstanding the immediate preceding sentence, if you are a Visitor and continue to access and use a Website, by virtue of your continued access and/or use of the Website, you are indicating your acceptance of this Agreement and agreement to be bound by the terms and conditions contained herein. If you wish to become a Customer and make use of the Services, you will be prompted during the registration process to agree, and must agree, to be bound by this Agreement.
For the avoidance of doubt, this Agreement expressly applies to: (a) your access to and use of the Websites; (b) any and all transactions between you and ECS through the Websites, including for the provision of any Services or of any credit, personal, financial or other information delivered as part of or in conjunction with free Services or paid Services, including any such information that may be archived to the extent made available on the Websites, such as (i) for your purchase of non-membership based Services such as the 3 Bureau Credit Report and FICO® Scores, the FICO Industry or other Base FICO Scores and/or an Experian Credit Report and FICO Score, (ii) enrollment and use of free Services (such as EXPERIAN CREDITWORKSSM Basic), and/or enrollment, purchase and use of membership based Services (such as EXPERIAN CREDITWORKSSM Premium, Experian IdentityWorksSM, or Experian Credit TrackerSM); and (iii) your access to and use of calculators, credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto contained in the Websites.
You may not browse the Websites, or create an account or register with ECS, or use or enroll in any Services, and you may not accept this Agreement, if you are not of a legal age to form a binding contract with ECS. If you accept this Agreement, you represent that you have the capacity to be bound by it. Before you continue, you should print or save a local copy of this Agreement for your records.
THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THIS AGREEMENT CAREFULLY. YOUR ACCEPTANCE OF, ORDER OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE WEBSITES. IF YOU HAVE ALREADY BEGUN ACCESSING OR USING THE SERVICES AND/OR WEBSITES AND DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, IMMEDIATELY CEASE USING THE SERVICE OR WEBSITE AND/OR DISCARD ANY INFORMATION OR PRODUCTS YOU RECEIVED VIA ANY SERVICE OR WEBSITE (TO THE EXTENT APPLICABLE), AND CALL CUSTOMER CARE AT 1-855-962-6943 TO CANCEL YOUR ACCOUNT WITH ECS. NOTE, YOU MAY ALSO BE ABLE TO DEACTIVATE YOUR PAID SERVICE AND RETAIN YOUR ACCOUNT WITH ECS ONLINE, AS AND TO THE EXTENT EXPLAINED IN FURTHER DETAIL BELOW.
ConsumerInfo.com, Inc. ("we" or "us") is a California corporation with its principal place of business located at 475 Anton Blvd., Costa Mesa, CA 92626. We operate a credit marketplace platform called CreditMatch™, accessible online at www.Experian.com/credit/credit-cards. CreditMatch provides information and tools to help users identify and compare credit products and providers. In some states, our services may require us to obtain licenses to advertise, market, or generate leads for credit products and we have provided the list of licenses we currently hold below. However, we are not a credit broker or lender and we do not make any credit decisions, fund, negotiate, or service loans, or enter into brokerage contracts with users. We do not accept credit applications or issue approvals or commitments on any lender's behalf. If you visit a lender's website through an offer or advertisement on CreditMatch, you will be required to provide additional information to the lender to complete a credit application. We do not enter into loan brokerage contracts with users and we do not charge users any fees for these services or for use of the CreditMatch website.