EQUIFAX ONLINE PRIVACY POLICY & FAIR INFORMATION PRINCIPLES
FOR THE EQUIFAX PERSONAL SOLUTIONS WEB SITE,

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http://learn.equifax.com

 

(U.S. Only)

For more than 100 years, Equifax has been a catalyst for commerce by bringing businesses and consumers together. Equifax also provides products and services that bring businesses together with other businesses.  We have built our reputation on our commitment to deliver reliable information to our customers (both businesses and consumers) and to protect the privacy and confidentiality of personal information about consumers. We also protect the sensitive information about businesses. Safeguarding the privacy and security of information, both online and offline is a top priority for Equifax.

This privacy policy applies Equifax's commitment to privacy in an online setting. This privacy policy applies to this Equifax U.S. web site, http://learn.equifax.com, of Equifax Personal Solutions. This privacy policy applies to persons that use this web site.

We take reasonable steps to:

  • Give you, as a visitor to this web site, clear notice of:
    • when we are requesting information from you;
    • the types of information we request from you;
    • the general purposes for which that information will be used or disclosed;
    • the categories of users to whom we provide the information; and 
  • Offer you the ability to opt out of certain uses of the information we collect about you online;
  • Maintain accurate information; and
  • Use and secure systems, including physical, administrative, and technical security procedures to safeguard the information about you.

At this Equifax web site you can:

  • obtain information about security and identity theft, banking and loans, credit and credit reports, and related topics;
  • view advertisements for various products and link to the web sites where those products can be purchased or where more information about those products can be obtained; and
  • provide non-personally identifiable information, either actual or hypothetical, and receive various calculated information, such as possible payment amounts, possible interest rates, or other similar information

In reviewing this privacy policy please keep in mind the activities that you are or will be doing on this Equifax web site.

When used in this privacy policy the terms below have the following meanings:

"You" means both individuals and business organizations unless otherwise indicated.

"Non-personally identifiable information" is information from you that is used to process your requests to receive various calculated information, such as possible payment amount, possible interest rates, or similar information.  This is information is not identified as pertaining to you or any other individual or business.  It may include information such as:

  • Type of loan for which information is requested, amount of the loan, time or number of payments for the loan;
  • Credit score;
  • City, State, and/or zip code where the loan will be opened; and
  • Other information that may be needed to provide the calculated information requested.

"Personally identifiable information" is information from you to verify your identity and to process your requests and is identified as pertaining to you. It may include information such as:

  • First and last name (middle initial and suffix, as applicable);
  • Social Security number;
  • Date of birth;
  • Gender;
  • Home telephone number;
  • E-mail address;
  • Current and former mailing address;
  • Credit card number and expiration date; and
  • Driver's license number, state of issue, and address on license.

EQUIFAX FAIR INFORMATION PRINCIPLES

ACCESS

SECURITY AND CONFIDENTIALITY

ACCOUNTABILITY

USE OF COOKIES TECHNOLOGY

CHILDREN'S PRIVACY

NON-APPLICABILITY OF PRIVACY POLICY TO COMMERCIAL USE

KEEPING UP-TO-DATE ON CHANGES TO THE EQUIFAX PRIVACY POLICY

HOW TO CONTACT US WITH QUESTIONS OR COMMENTS

 


EQUIFAX FAIR INFORMATION PRINCIPLES

NOTICE - We provide information to you about:

The Information We Collect About You

This Equifax online privacy policy applies to all information we receive online from you and about you in connection with an online transaction or request on this Equifax web site.  The information, if any, which we collect from or about you while you are accessing and using this web site depends on what you do while you on this Equifax web site. We do not collect any personally identifiable information about at this web site. Further, if you do not provide any non-personally identifiable information, then we do not collect any non-personally identifiable information about you while you are accessing or using this web site. 

If you do request certain calculated information, then we do collect non-personally identifiable information from you online.  However, in these situations we only collect certain information from you to process your request. 

Information From You

Specifically, we receive information from you online when you request certain calculated information. However, the information we receive from you is non-personally identifiable information.

We also receive information from you online when you send us e-mail.

Information From Others

We may also collect information from others that we provide to you, such as information about possible payment amounts and possible interest rates, fraud and identity theft, credit and credit reports, and related topics, and advertisements. 

How We Use The Information We Collect

We use the information we collect to handle the requests you make to us. If you request certain calculated information and provide non-personally identifiable information the information we collect from you is only used to handle those requests you made.

Information collected when you register at Equifax web sites other than this Equifax web site is used for the purposes identified on those web site registration forms and according to the Privacy Policies for those Equifax web sites.

To Whom We May Disclose The Information We Collect

We may disclose any information collected from you or about you through this Equifax  web site as required by law or legal process.

If you request certain calculated information and provide non-personally identifiable information this information is provided to certain third parties to provide the calculated information you requested, such as possible payment amounts, possible interest rates, or other similar information.

Equifax is not, however, responsible for the privacy practices or content of link sites listed on the web pages of this Equifax web site, http://learn.equifax.com. The owners of that content and those link sites are responsible for them.

If and when you register and purchase products at another Equifax web site other than this Equifax web site, http://learn.equifax.com, and personally identifiable information is collected at those other Equifax web sites, the information will be disclosed, if at all, pursuant to the privacy policy for those other Equifax web sites.

CHOICE

Opting Out of Our Providing Information About You To Third Parties

We do not collect personally identifiable information from or about you at this web site.  We only collect non-personally identifiable information from you in connection with your requests to receive certain calculated information. As indicated above, we may provide this non-personally identifiable information to third parties to provide the calculated information you requested.  If you do not want to provide non-personally identifiable information to us, and do want us to provide it to third parties, you can choose not to do so, simply by not providing non-personally identifiable information to us.  However, we will not be able to provide the calculated information to you.

ACCESS

In accordance with applicable federal and state Fair Credit Reporting law you as an individual have access (sometimes at no cost) to your Equifax individual credit file either online, such as through www.annualcreditreport.com, or by requesting it by mail or telephone through Equifax.  See: www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit14&partner_cd=LEARN for more information.  You as an individual can make a request online for reinvestigation of information in your Equifax individual credit file which you dispute at www.equifax.com.

SECURITY AND CONFIDENTIALITY

Equifax recognizes the importance of secure online transactions, and we maintain physical, administrative, and technical safeguards to protect any information we may collect about you, as described above.
 
We safeguard the privacy of information you provide us through requests for certain calculated information. As stated in the "To Whom We Disclose The Information We Collect" section above, we restrict access to non-personally identifiable information that is collected from you on this Equifax web site, http://learn.equifax.com, to only those who have a need to know that information in connection with the purposes for which it is collected and used, i.e., to provide the calculated information you requested. 

Additionally, we have security protocols and measures in place to protect information we may maintain from unauthorized access or alteration.  These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain data.

You also have a role in protecting the security of information about you.  For example, you should guard any passwords and not permit unauthorized use of them.  Additionally, you should close your browser when have finished viewing information on this Equifax web site to protect the privacy of your information.

ACCOUNTABILITY

"Accountability" is generally recognized as an important component of "Fair Information Practices" and refers to the process that a company has in place to be sure it adheres to its privacy policy.  It also means that a redress process exists to address privacy policy compliance questions.

Equifax is not, however, responsible for the privacy practices or content of the advertisers and the link sites listed on the web pages of this web site.  The owners of these pages are responsible for them.

If you have questions or comments about Equifax's online privacy policy and fair information practices, please e-mail us at privacy@Equifax.com or write to Chief Privacy Officer, Equifax Inc., 1550 Peachtree Street, NW, Atlanta, GA 30309.  If you have specific questions about your Equifax individual credit file you may e-mail us at individual.custserv@Equifax.com. If you have specific questions about your Equifax business organization credit file you may go to the "Product Information Disclaimer" link located at the bottom of your business credit product page for contact information.

USE OF COOKIES TECHNOLOGY

What is a Cookie?

A cookie is a piece of text information that a web server may transfer to the hard drive of your computer through your web browser when you visit a web site.  Cookies are commonly used on web sites to improve your experience and to enable systems to recognize your browser.  Some cookies last only through a single visit (session cookie); other may have an expiration date; still others may remain on your computer until you delete them (persistent cookie).  Only the information that you provide, or the choices you make while visiting a web site can be stored in a cookie.  For example, the web site cannot determine your e-mail address unless you choose to type it. 

How We Use Cookies On This Web Site

We use session and persistent cookie technology for several purposes.  For example, cookies:

  • Allow us to gather aggregated statistical data about the use of our website for research purposes;
  • Allow us to display the most appropriate advertising banners and content, based on your geography and activities on this web site;
  • Help us improve your navigation of this web site;

Third Party Cookies

Certain ad networks and Equifax affiliates use cookies on this Equifax web site as described below:

Ad Networks

Most advertisements you see on this Equifax web site are served to your web browser by Equifax. However, we also allow other companies, called ad networks, to serve advertisements within these web pages. Ad networks include third party ad servers, ad agencies, ad technology vendors and research firms. 

Equifax may "target" some ads to users that may fit a certain profile - for example, people in a certain state.  Equifax does not provide any personal information to the advertiser when you interact with or view a targeted ad.  However, when you view or interact with an ad the possibility exists that the advertiser will make the assumption that you meet the targeting criteria used to display the ad. 

Our cookies only collect information during your online activity at this Equifax web site, and not during any of your other Internet activity.  Cookies set by us or our agents are not interpreted or shared with any other third party. We may sometimes use outside technology companies to set cookies on this Equifax web site and collect cookie information for us. We may use the cookie information collected by these companies in the same manner as stated above in this section. Those companies may not use these cookies for their own internal purposes or share the information collected with any party other than Equifax.

How You Can Accept or Reject Cookies

You can decide if and how your computer will accept a cookie by establishing your preferences in your web browser.  Please understand that, if you choose to reject cookies, you may not be able to use certain of our online services or web site features.  Internet Explorer is set up to allow the creation of cookies; however, you can specify that you be prompted before a web site puts a cookie on your hard disk, so you can choose to allow or disallow the cookie; or you can prevent Internet Explorer from accepting any cookies.  You can specify different settings for different security zones.  For example, you might want to allow web sites to create cookies if they are in your Trusted sites or Local intranet zone, prompt you before creating cookies if they are in your Internet zone and never allow cookies if they are in your Restricted sites zone.

 

CHILDREN'S PRIVACY

This Equifax web site is intended for use only by adults.  We comply with the Children's Online Privacy Protection Act and do not knowingly solicit or collect information from children.

NON-APPLICABILITY OF PRIVACY POLICY TO COMMERCIAL USE

This online privacy policy applies to individuals using the Equifax web site identified at the beginning of this privacy policy to receive and request information provided through this web site for personal, family or household purposes. Certain practices described and rights provided herein may not apply to business organization users that are not obtaining information about or services for their own business organization or individuals who use these web sites for commercial purposes.

KEEPING UP-TO-DATE ON OUR PRIVACY POLICY CHANGES

We want you to be fully informed about how we protect your privacy.  We may change our privacy policy in the future, but we will not change our practices until they have been posted at this website. If changes occur, we will also show the date of revision.  By using the web site to which this privacy policy applies you agree that we may notify you of changes in our privacy policy through this web site.

HOW TO CONTACT US WITH QUESTONS OR COMMENTS

If you have questions or comments about Equifax's online privacy policy and fair information practices, please e-mail us at privacy@Equifax.com or write to Chief Privacy Officer, Equifax Inc., 1550 Peachtree Street, NW, Atlanta, GA 30309.  If you have specific questions about your individual credit file you may e-mail us at individual.custserv@Equifax.com. If you have specific questions about your Equifax business organization credit file you may go to the "Product Information Disclaimer" link located at the bottom of your business credit product page for contact information.

January 11, 2007.