Privacy Policy

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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 further 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 (collectively the "Site"). We also collect personal information from third party sources.

We may also process and disclose information to third parties, including service providers, if the information has been de-identified or aggregated in a way so it cannot be used to identify you.

If you seek insurance quotes, apply for insurance, seek bill negotiation services, or otherwise use or subscribe to our products or services, 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, Social Security number, job title, company name, employer, social media handle, and gender.
• 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, income, financial detail, and financial account information including (if applicable) financial transaction history from any connected financial account(s), and consumer utility service provider information, such as from cable, cell phone, internet, landline phone, satellite television, and radio, home security/alarm services, and newspaper subscription services companies.
• 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 or chatbot services, 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, mobile device identifiers, 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 and financial transaction history, 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.

As permitted by law, we use your personal information:

• To verify your identity and provide you the products and services you request, including via requests made through our virtual chatbot feature. Depending on the information you provide and the products or services you select, your personal information is also used to provide you with identity protection services, enable applications for credit, loans, insurance, bill negotiation services, and to access and monitor information you've asked for, and to send you personalized insights and recommendations.
• To send credit, score, identity protection, and transactional alerts to the e-mail, mobile device, and/or phone number you provide.
• To send important information to you relating to your account, the Site, our Terms and Conditions, and our policies.
• To market our products, services, and promotions that may be of interest to you unless you have requested that we do not send you marketing and promotional communications.
• To process payments for the products and services you purchase.
• If applicable, to verify your children's identity and provide products and services you request on behalf of your children.
• To perform everyday business functions such as audits, detecting and preventing fraud, analysis, product improvements, research, development, and security.
• To perform other services when you provide your consent, and we describe the service(s) to you. For example, we may request your information to:
  
  • monitor your financial and utility service provider accounts
  • offer features you request from companies that we partner with
  • obtain your account and transaction information, including financial transaction data (if applicable)
  • gain recurring access to your financial, utility, telecom, rental, or other service account(s)
  • obtain, use, and store your financial and utility service provider account information
  • optimize our targeted marketing service

We share personal information for various purposes as permitted by law. U.S. subscribers (both free and paid) and consumers have the right to limit some but not all sharing, as described below in the "Rights and Choices You May Have" section. Depending on your relationship with us, we may share your personal information:

With Affiliates: As a part of Experian, we share personal information with our Experian affiliates about your transactions and experiences for our affiliates' everyday business purposes, including the purposes noted in this Policy, and for our affiliates to advertise and market to you.

We also share personal information with non-affiliated third parties as follows:

With Our Business Partners: We share your personal information with companies that we have partnered with for those companies to offer products that may be of interest to you. We also share your information with our business partners to provide you with products and services that you request.

With Financial or Non-Financial Companies for Marketing: We share subscriber personal information with financial and non-financial companies, such as digital advertising companies, for those companies to advertise and market to you.

With Service Providers: We share your personal information with third parties who perform services on our behalf, including contractors and service providers. We share information with these service providers to provide the products and services that you request and for our everyday business purposes. For example, we use service providers for billing, communicating with our customers, detecting and preventing fraud, analysis, product improvements, development, and to offer products that may be of interest to you.

With Your Consent or At Your Direction: We share your personal information with third parties you expressly authorize, consent to, or direct us to share your information with. For example, we share information when you request products or services offered by lenders, insurance companies, and other companies (including aggregator and marketing partners) that we partner with. We also share information when you ask us to access data from your financial, insurance, and/or other accounts through one or more of our third parties. For instance, we may disclose Personal Information at your direction to a utility service provider for bill negotiation services if the disclosure will enable the utility service provider to perform a business professional transaction.

For Legal Purposes: We share personal information with government entities and others for lawful and necessary purposes, including responding to requests from government entities or our regulators; to comply with subpoenas, law enforcement requests, and other legal processes; to enforce our Terms and Conditions; and as necessary to protect the rights, privacy, safety, or property of our customers, ourselves, and others.

In connection with a merger, acquisition, sale, bankruptcy, or other disposition of some or all our assets, we also may share and/or transfer your personal information to an affiliate or relevant non-affiliated third party.

By using the website, you agree to the use of technology that tracks how users interact with our Site to ensure that the website is operating properly and to optimize website functionality.

When you use our Site, we, our affiliates, our business partners, our service providers, and other non-affiliated third parties collect information about your devices and interactions with our Site. The types of information collected and how that information is used and/or shared depends on how you interact with our Site and, in some cases, the choices you make. A variety of tools and technologies are used to collect this information.

Information collected and the tools and technologies used for collection include:

• Device Information: The Site collects information about your devices and browsers, including types of operating systems, versions, preferences, settings, Internet Protocol ("IP") addresses, and geolocation information. We and our third-party providers may also use location-identifying technologies and logging technologies to automatically collect information. If you access our Site using mobile devices, we collect information about your mobile devices, including device IDs, mobile network information, and geolocation information. This information is used for identity verification, track users' movements on our Site, to analyze trends, and gather demographic information about the Site's users.
• Server Logs: Logs are used to automatically record device information as well as your interactions with our Site such as what time of day you visited. In the event of a problem with our Site, information in the logs allow us to diagnose and the resolve problem.
• Cookies: Cookies are small text files sent to your browser by a website you visit. The Site collects and uses session and persistent cookies. Cookies allow us to recognize your device and store information about your account and preferences. For example, we may use cookies to store information about pages visited on our sites, settings and preferences, or other information associated with visitors to our Site. Cookies also allow us to track internal metrics and enhance the experience of users of our Site.
• Pixel tags: Pixel tags (i.e., web beacons, clear GIFs, pixels, or tags) are images or small strings of code placed on websites, advertisements, or within e-mails. These technologies collect information about your online activities over time and across different websites or online services. For example, the Site gathers user activities on our Site, links that users click on, pages viewed, URLs from which the user came from, and e-mails opened or forwarded. This information is used for Site tracking and administration (i.e., user movements, usage, performance, and improvements), enabling you to enroll and log-in to the Site, and for us to tailor and deliver custom content, develop new products and services, and for us to detect and prevent fraud.
• SDKs and Advertising IDs: We use Software Development Kits ("SDKs") to collect mobile device information and general location. The SDKs track user movements, mobile application events, and user interactions. This information is used for identity verification and helps us improve our mobile applications for our customers. We also collect and use Advertising Identifiers ("Advertising IDs") that allow us to identify your mobile device over time, for advertising purposes.

We and/or our service providers may also share the information we collect with third parties for these purposes. We have access to reports produced by service providers that contain aggregated trends and statistics about website usage on our proprietary platforms.

We may also use service providers to help us perform analytics such as ensuring services are working correctly and securely and providing aggregate statistics and analytics. To learn about the third-party providers we use on our Site and their privacy practices, please see their privacy notices below:

Targeted Advertising: We, our affiliates, business partners, service providers, and other nonaffiliated third parties can collect, use, and share information (including inferences based on other information collected) across our site and other nonaffiliated websites and apps to develop and deliver targeted advertisements online. These are ads that are tailored to be more relevant and that you may see across different sites and devices over time. To opt out of this advertising, please see the "Rights and Choices You May Have" section below.

We also use third-party service providers to help us perform advertising-related functions such as measuring the effectiveness of our ads, managing how many times you may see an ad, reporting on the performance of our ads, ensuring services are working correctly and securely, providing aggregate statistics and analytics, improving when and where you may see ads, and reduce ad fraud.