Collection and Use of Information
When you visit our Website, we may collect general Internet data, including your Internet protocol (IP) address, the web page from which you entered our site, which of our web pages you visited, and how long you spend on each page. To collect this information, when you visit our Website, a "cookie" or a “Flash®cookie” may be set on your computer. Cookies and Flash cookies contain information that allows our web servers to recognize you whenever you visit. We use the information we collect to study how our Website is used, so that we may improve and enhance your experience on our Website. We do not provide this information to outside parties other than for such reasons. No personal information is stored in cookies. Your web browser should allow you to manage cookies and you can manage your Flash cookies by clicking here. “Flash” is a registered trademark of Adobe Systems Incorporated.
In addition, we may use Google Analytics to obtain anonymous information collected from other websites on which we display advertisements that are designed to bring visitors to our Website. We use this information to understand how visitors, who arrive at our Website by clicking on those advertisements, interact with our Website. We may also use this anonymous information to enhance or modify our advertisements, and may provide this information to TransUnion Interactive (TrueCredit and zendough). You may opt-out of this anonymous data collection and sharing activity by clicking here to visit the Google Analytics Privacy Overview web page and following the procedures noted under the Browser Opt-out section. You may also search for that web page at www.google.com.
Information You Provide
When you provide information through our Website, we may use it for various reasons, such as our credit reporting business, our consumer business, market research and recruitment. Based on the nature of your transaction with us, you may provide to us certain personally identifiable consumer information, such as first and last name; home address, billing address, or other physical address; an email address (so we may contact you); a telephone number; a Social Security Number; or certain other information, such as date of birth, employment information, and certain credit card and loan account information (collectively, “Personally Identifiable Consumer Information”). In general, we will use the information collected from you for the purpose for which you provided such information. We will not release your Personally Identifiable Consumer Information to third parties except: (1) as necessary for us to process your transaction, or (2) as permitted by law. These third parties are not allowed to use Personally Identifiable Consumer Information except for the purpose of providing these services.
Our Credit Reporting Business
We may use information you provide to update our consumer credit database. Access to personally identifiable information on this database is limited to: (1) entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act (“FCRA”); (2) entities with a permitted use under Title V of the Gramm-Leach-Bliley Act; (3) companies who resell our data as permitted under law; and (4) companies who process data on our behalf. Access to information on this database that is made non-personally identifiable may be provided to companies and other entities for research and other purposes.
Under the FCRA, we may provide information to companies that send you pre-approved offers of credit or insurance. If you do not want to receive such offers, you may opt-out by calling 1-888-5OPTOUT or visiting www.optoutprescreen.com.
Our Consumer Business
When you visit our Website, we may ask if you want to sign-up to receive information and promotional offers from TransUnion Interactive (TrueCredit and zendough), and its marketing partners. If you provide your name and email address, we may share that information with one or more third parties in order to administer the program and present such offers to you. If you do not register for email, we will not collect any personal information while you visit our Website. In connection with the email registration program, our third party email processor may use action tags (also known as single pixel gif or web beacons) to collect completely anonymous information concerning your use of our site. Such third party administrator is not authorized to use any such information for any other purpose. If you decide to register for emails, you may opt-out of receiving further emails at any time by using the opt-out provision at the bottom of every email. If you accept offers from TransUnion Interactive and its marketing partners, then their respective privacy policies will apply.
Your participation in market research activities is optional. Should you choose to participate, we may use information you provide to improve your experience with our products and services. We may engage third parties to assist us with our market research efforts who may retain non-personalized, aggregated information. However, all personal information you provide will only be used for our research purposes.
When you submit an application for employment, we use your personal information for recruitment purposes only.
Access to Your Information
You may order your TransUnion Credit Report online at TransUnion.com. However, when you provide information on our Website, you should ensure that the information is accurate. If you believe that there is an error on your credit report, you may file adispute.
Protection of Your Information
We use security technologies to safeguard credit information and any information you provide to us.
Policy Regarding Children
We define children as individuals under the age of 16. Our Website is not intended for the use of children and we do not knowingly solicit or collect information from children.
Effective Date: December 19, 2011