Privacy Policy of Credit Bureau Services, Inc.

We Are Committed to Safeguarding Customer Information

In order to better serve your needs now and in the future, we may ask you to provide us with certain information. In order to provide the products and services you request from us, we may also obtain consumer reports and other information from consumer reporting agencies, our affiliate consumer reporting agency companies, and other data and information providers.

We understand that you may be concerned about what we will do with such information – particularly any personal or financial information. We agree that you have a right to know how we will utilize such information. Therefore, we have adopted this Privacy Policy to govern the use and handling of your personal information.

We are committed to the safety, security, and confidentiality of all personal and corporate identifying information. The information we request from you will be used only to process your request, and to contact you for corrections that may be needed to process your request. This information will only be disclosed when required by law. Credit Bureau Services, Inc. will never ask you for your password. If we need information for troubleshooting purposes, we will refer you to a specialist that will have access to your account data. Please do not share or release your password to anyone. To help protect your password, never save it on your computer, as your computer can potentially be hacked into or stolen.

Credit Bureau Services, Inc. does not resell or share any identifying personal, corporate, or demographic information gained through this process to other companies or entities in any way. However, non-identifying aggregate Credit Bureau Services, Inc. may use demographic and contact information for its own internal communications and marketing efforts unless you specifically choose otherwise.

Applicability

This Privacy Policy governs our use of the information that you provide to us or we otherwise obtain in providing our products and services to you.

Types of Information

Depending upon which of our services you are utilizing, the types of nonpublic personal information that we may collect include

§  Information we receive from you on applications (either on applications we receive directly from you or through our clients), forms and in other communications to us, whether in writing, in person, by telephone or any other means

§  Information we receive from a consumer reporting agency and other data and information providers.

Changes to Information

If you want to update or correct information you have provided us, you can do so by sending us a letter to 3503 N Dixie Hwy, Oakland Park, FL  33334, emailing us at info@credit1400.com or calling us at 954-561-1400. If you want to correct information in a consumer report we provide on you that you believe is incorrect, you can do so through the dispute resolution process provided under the Fair Credit Reporting Act or other applicable laws.

Use of Information

We request information from you or obtain information about you for our own legitimate business purposes and not for the benefit of any third party. Therefore, we will not release your information to any party, whether affiliated with us or not, except: (1) as necessary for us to provide the product or service you have requested of us; or (2) as permitted by law. We may, however, store such information, including during the period after which any customer relationship has ceased. Such information may be used for any internal purpose, such as quality control efforts or customer analysis.

Former Customers

Even if you are no longer our customer, our Privacy Policy will continue to apply to you.

Confidentiality and Security

We will use our best efforts to: (a) protect the confidentiality of your nonpublic personal information (including your social security number) and ensure that no unauthorized parties have access to any of your information, (b) restrict access to nonpublic personal information about you to those individuals and entities that need to know that information to provide products or services to you, and (c) prevent the unlawful disclosure of your nonpublic personal information (including your social security number). We will use our best efforts to train and oversee our employees and agents to ensure that your information will be handled responsibly and in accordance with this Privacy Policy and Credit Bureau Services, Inc.’s Information & Security guidelines. We currently maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We may, from time to time, contact you via e-mail to inform you of changes or updates to our site or products. We will never send you a request via e-mail for any personal information (e.g., social security number, account number, date of birth, etc.). If you receive an e-mail asking for personal information, please contact our Technical Support Department at 954-561-1400, info@credit1400.com so we can take the proper action to protect you.

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. Credit Bureau Services, Inc. compiles investigative consumer reports about individuals and provides them to business for background screening, tenant screening, and similar purposes.

Personal Information Disclosure: United States – In connection with its preparation and processing of investigative consumer reports Credit Bureau Services, Inc. may transfer personal information about you to our authorized service providers in the United States and its territories. Such transfer will be conducted in accordance with all applicable laws and regulations. Credit Bureau Services, Inc. does not use service providers located overseas.

We do not sell or share e-mail addresses or any other information with third parties. E-mail addresses and other volunteered information are kept confidential.

Data Collection

All activities performed on the system are logged. We will periodically check the log files for irregularities or possibly malicious actions. This measure helps with the early detection of illegal activities and/or possible equipment failure. This logged data may also be analyzed to determine how we can upgrade our system to better service you. When used in the course of scientific or research purposes, all reasonable identifying information is removed.

Cookies

Credit Bureau Services, Inc. does not initiate cookies on behalf of third parties within this system. This system does not store sensitive or personal identifying information in cookies. However, non-persistent cookies may be required to maintain session state.

Material Changes in Privacy Policy and Former Statements

Any material changes to our Privacy Practices or security procedures will be posted on this page so that you are always aware of what information we collect and how we use it as well as the latest material changes we make to our security procedures.

Security

Security is the forte of Credit Bureau Services, Inc. and we take great pride in the trust you have placed in us to safeguard your data. As an extra precaution to protect against the loss, misuse and alteration of the information under our control, Credit Bureau Services, Inc. is audited by an independent 3rd party annually. Users, however, are responsible for the safekeeping of their own login/password and for any misuse of such information.

In summary

We are committed to protecting your privacy and providing reliable services. We use the information we collect on the systems only to provide better service and to prevent unauthorized access.

Your consent

By using our systems, you consent to the collection and use of this information by Credit Bureau Services, Inc. If we change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.