(replaces version dated January 1, 2016)
At FactorTrust, your privacy is very important to us. This policy defines how FactorTrust uses and protects information that you give FactorTrust when you use this website.
Portions of our site can be enjoyed as a visitor, but you need to provide us with personal information in order to access your credit file, such as requesting an annual disclosure of your credit file, disputing information in your credit file, or placing a security freeze or an initial fraud alert.
We collect personal information about you when you use this website. Much of this information gets to us when you contact us or register for information. The information we collect includes your name, job title, contact information including email address, location information, and information you chose to give us about your preferences and interests. We collect the information that you provide in customer surveys and/or offers.
FactorTrust is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Cookies are not only yummy, they also are tiny text files created by a web site that stores information on your computer, such as your preferences when visiting that site. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but usually you can modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
FactorTrust (and/or our service providers) collects information about your computer and your visits to our web site, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files.
We may occasionally acquire data about people in our files from other sources, like public records, other consumer reporting companies, or address location firms. When we match it with your files, we treat the information as carefully as if we acquired it ourselves.
We do not provide your information to marketers, but we might decide to do so in the future. In that event, we will obey all applicable laws, including privacy and opt-out laws. We also will update this website.
We only share your browsing data with our affiliates and vendor companies that provide services on our behalf as may be necessary to conduct our business. These contractors include vendors and suppliers that provide us with technology, services, and/or content for the operation and maintenance of our site.
We provide consumer reporting data to firms that have the permissible purpose to receive consumer credit reports. When you dispute information in your credit file, we will disclose the information to the organization that provided the disputed data in order to process your request.
We may release personal information to third parties: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or (2) in special cases, such as to investigate or prevent harm, fraud, abuse, or illegal conduct.
We may share aggregated and anonymous data, or the results of our data studies, with researchers, universities, or our regulators. When we do so, the information will not identify you individually.
When we share data, we use technology, encryption, physical protections and contract terms so that anyone who receives the data.must treat your data safely and securely.
We use identifying data to do our daily business.. For example, we use the information to improve our products and services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may periodically send promotional email about new products, special offers or other information which we think you may find interesting using the email address which you have provided. In addition, we may share marketing (but not credit reporting) information with our affiliates so they can contact you about the awesome things they are doing.
From time to time, we might contact you for market research purposes using the email, phone, fax or mailing address that you provided on this website. We may use the information to customize the website according to your interests. Sometimes we jumble your information with other users so we can analyze the non-identifying and aggregated information to help optimize our web site and services based on the needs of our users.
We may also maintain information, including personally identifiable information of our members, for a period of seven years or more in accordance with federal and state laws.
At FactorTrust, we use great software, hardware, and physical security practices to protect your information. And we work hard to stay ahead of phishers, hackers, and scammers. If we find a problem that affects your information, we will take all practical measures to ensure that the problem is immediately fixed and you are not harmed.
We’ve got cool tech to protect your bytes and bits: we store sensitive account information in an encrypted database; we control database access via secure web pages; and we limit access to only those employees or third parties on a need-to-know basis. Social Security numbers and bank account information are masked via the web site. We employ firewalls and other security technologies to protect our servers from external attack. Secure Socket Layer (SSL) technology establishes a secure connection between your computer and our servers, creating a private “conversation” that cannot be viewed or accessed by other parties. We test our systems regularly to ensure that our security mechanisms are up to date.
Technology can only do so much. Please do not share your login password with anyone. A tip from the security experts: that sticky note on your monitor with all your passwords is just like sharing. Trash it. We can help you if you forget your password. Also be sure to close your browser after using our site.
FactorTrust does not ask for your password via email or over the phone, we will always bounce you to our website so you can login within a secure setting. If you ever receive an email requesting that you enter your email address and/or user name and password, please confirm that you are on a web site with a URL beginning with https://www.FactorTrust.com.
Our website may contain links to enable you to visit other websites easily. We do not have any control over those other websites. Therefore, we cannot be responsible for the protection and privacy of any information that you provide while visiting other sites. Other sites are not governed by this privacy statement. Please consult the privacy policies on these sites before you provide them with any of your personal information.
You may not opt out of having your personal information collected when using this website (but you can adjust your browser settings to increase privacy). We collect information to complete the services provided by FactorTrust from this website. If you do not want FactorTrust to collect any additional personal information, then you must stop participating in the website.
If you wish to stop receiving promotional emails, you may do so by clicking “Unsubscribe” in any of our emails or by emailing email@example.com.
If you believe that any information we are holding on you is incorrect or incomplete, please review your options to write, call, or email us as soon as possible. We will promptly correct any information found to be incorrect.
The website is operated in the United States. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using the Service and/or providing us with any information, you consent to this transfer.
Protecting the privacy of the very young is especially important. For that reason, we never knowingly collect or maintain information from those under the age of 13, and no part of our service is structured to attract anyone under the age of 13. If you are under 13, please do not give us any personal information. If you believe that someone under the age of 13 may have visited our site and provided personal information to us, we encourage you to contact us, and we will work to delete that information from our databases.
The FactorTrust information security program addresses the requirements of various security standards, including: SOC2, PCI-DSS and OWASP Application Security Verification Standard. Read more about how FactorTrust goes the extra mile to ensure the utmost security for consumer data.