ValidiFI at its option, may change, delete, suspend, or discontinue parts or the policy in its entirety, at any time without prior notice.
PURPOSE AND OVERVIEW
This policy may change from time to time. Please check the policy each time you use our Web site for the most current information. This policy only applies to this ValidiFI Web site; some of ValidiFI’s subsidiaries and affiliates may maintain their own privacy policies. Please refer to those Web sites for further information. This Web site is not intended for children and we do not knowingly collect any information about children.
ValidiFI is a provider of risk mitigation and payment solutions. We offer clients a comprehensive portfolio of best-in-class products, services and innovative tools to help them make smarter business decisions and empower them with timely, quality information. In order to market our services effectively and with due regard for the interests of consumers, we recognize that we have an obligation to protect the privacy and confidentiality of personally identifiable information (PII) that we may obtain about individuals through this Web site. Safeguarding the privacy of information we receive on this Web site is a top priority for consumers, our customers and ValidiFI.
How We Collect and Use Information on Our Web Site
We follow the below privacy principles when you visit this Web site. In general, you can visit this ValidiFI site on the World Wide Web without telling us who you are or revealing any information about yourself. Our Web servers automatically collect the domain names, not the e-mail addresses, of visitors. This information is used to measure the number of visits, average time spent on the site, pages viewed and similar information. ValidiFI uses this information to measure the use of our Web site and to develop ideas to improve the content of our Web site.
- Personally-identifiable information
This site only collects personally-identifiable information from you if you choose to provide this information to us. Personally-identifiable information collected with your consent may include name, mailing address, e-mail address, telephone number, date of birth, credit card number, social security number, driver’s license number, user name and password, any response you provide to survey questions, information relating to any orders you place, or any inquires you may make through our web site. We also may request this type of information if you place an order by mail or telephone.
- Nonpersonally-identifiable information
This site also collects nonpersonally-identifiable information. For example, as you browse this web site we may collect information about your visit, but not about you personally. Via web server logs, for example, we may monitor statistics such as: the number of people that visit our site, which page(s) are visited on our site, from which domain our visitors come (e.g., aol.com, hotmail.com, etc.), and which browsers people use to visit our site (e.g., Google Chrome, Microsoft Internet Explorer, etc.). Our web site may use an outsourcing program to assist us in analyzing this data to better tailor our web site.
INFORMATION USE AND CONSUMER CHOICE
The information collected by this web site is used only for responding to your inquiries and otherwise corresponding with you, for processing transactions you request, maintaining your account (if you have one), and for the administration, review and/or the improvement the content of our web sites. We do not share, sell, rent or trade PII with third parties for their promotional purposes.
We may contact you in response to your comments or inquiries, as part of the maintenance of your account with us (if you have one), or in order to complete a transaction that you requested.
We may also contact you to inform you of other products or services we think may be of interest to you, but we always offer you an opportunity to opt not to receive such communications.
If you decide that you do not want to receive further e-mails regarding your inquiry from ValidiFI, you can reply to the e-mail or visit https://www.validifi.com/myemailsubscriptions with a request that we not continue to e-mail you. We do not use outside data sources to enrich marketing data obtained online.
ACCESS AND CORRECTION
As an information company, we know the importance of accurate data. Therefore, we strive to maintain the accuracy of the information collected through this Web site. We will provide you (whether you are a consumer or a customer) with access to personally-identifiable information you provide through this Web site for as long as we maintain that information in a readily accessible format. Similarly, we permit and encourage you to correct inaccuracies in the information you submit to us through this Web site.
If you wish to access information that you have submitted through this web site or to request the correction of any inaccurate information you have submitted through this site, please use the mechanisms provided by the site, or send an e-mail to firstname.lastname@example.org.
We take steps to protect against the loss, misuse, or unauthorized alteration of personally-identifiable information collected through this web site and otherwise subject to this policy. We recognize the importance of security for all personally-identifiable information collected by our web site. Once we receive personally-identifiable information, we take steps to protect its security on our systems. In the event we request or transmit sensitive information, such as credit card information or Social Security Numbers through this web site, we use industry standard, secure socket layer (SSL) encryption.
We limit access to personally-identifiable information to those employees who need access in order to carry out their job responsibilities.
When we dispose of personally identifiable information collected through this website, we use procedures to dispose of personal information by means such as shredding documents and erasure of electronic media that information cannot be practicably read or reconstructed.
OTHER WEB SITES
How We Use and Collect Information in Our Various Businesses
A number of ValidiFI businesses are consumer reporting agencies (CRAs) operating in accordance with the requirements of the Fair Credit Reporting Act (FCRA). FCRA establishes the following principles for all CRAs:
Privacy: Information about you may only be furnished to third parties that have a permissible purpose. In general, these deal with credit, employment, insurance, rental or banking transactions initiated by you, or where the object is to make a firm offer to you. CRAs must qualify their customers to make certain that they have a permissible purpose to receive the information.
Access: Consumers may receive a copy of information the CRA maintains about them. Such reports can be obtained free of charge once per year or for a reasonable fee for additional disclosures. Please visit the applicable subsidiary Web sites to obtain more information.
Accuracy: CRAs must follow reasonable procedures to assure accuracy of the information they maintain and furnish. When you obtain a copy of your information, you have a right to dispute and have the information reinvestigated and corrected in the CRAs database.
Fairness: Information is obtained from various sources including public records sources. However, certain information over a specified time period may not be reported.
Accountability: The Federal Trade Commission is charges with overseeing the operations of CRAs and enforcing FCRA requirements.
ValidiFI companies subject to FCRA operate within this framework. If you would like to obtain a report about the information we have about you, please call 855-562-6678 or go to https://www.validifi.com/free-report-for-consumers.aspx.
For credit reports from the credit bureaus:
Privacy Notice: Preparation and Processing of Investigative Consumer Reports
This notice is provided to California residents. Under California law, an “investigative consumer report” is a consumer report containing information on a consumer’s character, general reputation, personal characteristics, or mode of living. ValidiFI compiles investigative consumer reports about individuals and provides them to businesses for background screening and similar purposes.
Personal Information Disclosure: United States or Overseas – In connection with its preparation and processing of investigative consumer reports, ValidiFI may transfer personal information about you to our authorized service providers and affiliates outside the United States and its territories. Such transfer will be conducted in accordance with all applicable laws and regulations.
To obtain additional information about the privacy practices and policies of ValidiFI in connection with its preparation and processing of investigative consumer reports, please contact:
For additional information about privacy or consumer reporting, visit the following Web sites:
Fair Credit Reporting Act: http://www.ftc.gov/os/statutes/031224fcra.pdf
Summary of Rights Under FCRA: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf
Federal Trade Commission: www.ftc.gov
Consumer Financial Protection Bureau: http://www.consumerfinance.gov/
Consumer Data Industry Association: www.cdiaonline.org
California Office of Privacy Protection: www.privacy.ca.gov