Source: http://www.merlindata.com/terms-conditions
Timestamp: 2017-06-29 10:52:19
Document Index: 63695431

Matched Legal Cases: ['§ 1681', 'art 1110', 'art 1110', '§ 6801', '§ 2721', '§ 227', '§1681']

TLO - Online Investigative Systems | Term Conditions
TransUnion Risk and Alternative Data Solutions, Inc. (“TRADS”) grants to Subscriber a restricted personal, non-exclusive, non-transferable, non-sublicenseable, revocable license to obtain and use the TRADS Services as permitted by the Subscriber Agreement and all applicable laws, rules, regulations and regulatory directives. Subscriber shall obtain and use the TRADS Services for Subscriber’s own internal business purposes consistent with these online Terms and Conditions, Subscriber Agreement, and, with respect to Identity Manager, for the purpose certified herein, and for no other purpose. The term “Subscriber” as used herein refers to Subscriber or Agency as such terms are defined in the underlying Subscriber Agreement.
Subscriber agrees to pay all charges and fees applicable to the TRADS Services. All accounts are subject to a minimum monthly fee of twenty-five ($25.00) dollars in order to maintain access to TRADS Services. Unless otherwise agreed to in writing between Subscriber and TRADS, all fees and applicable charges may be revised from time to time without notice to Subscriber. All current and future pricing documents and schedules are deemed incorporated herein by reference. Fees and charges not timely paid may according to the Subscriber Agreement may result in immediate account suspension and/or termination and may be subject to additional reconnection fees. For any past due outstanding amounts, Subscriber agrees to pay all collection fees, costs and reasonable attorneys’ fees if referred for collection. Any delinquent Subscriber account may result in TRADS reporting to Dunn & Bradstreet or other business credit reporting agencies.
Subscriber understands and agrees that, TRADS, including its parents, affiliates and subsidiaries may request information of Subscriber and/or perform on-site audits, in each case for the purpose of investigating and confirming that Subscriber has a permissible purpose for receiving TRADS Services and that Subscriber is acting in accordance with the Subscriber Agreement and applicable law.
Subscriber shall promptly comply with any requests for information, and understands and agrees that, upon reasonable notice, TRADS, including its parents, affiliates and subsidiaries, may conduct on-site audits of Subscriber and its processes and procedures related to Subscriber’s use, storage, and disposal of TRADS Services and Services Information. Subscriber shall fully cooperate with such reviews and audits. Violations discovered in any review or audit may be subject to immediate action including, but not limited to, legal action, suspension of the provision of TRADS Services, termination of the license, reactivation fees, and/or referral to federal or state regulatory agencies.
If Subscriber desires to receive TRADS Services subject to GLBA, Subscriber hereby certifies that the specific purpose(s) for which such TRADS Services will be requested, obtained and used by Subscriber is one or more of the following uses as described in, and as may be interpreted from time to time, by competent legislative, regulatory or judicial authority, and as being encompassed by Section (6802)(e) of the GLBA and the United States Federal Trade Commission rules promulgated thereunder: As necessary to effect, administer, or enforce a transaction requested or authorized by the consumer;
If Subscriber desires to receive TRADS Services subject to DPPA, Subscriber hereby certifies that it will request, obtain, and use such TRADS Services only for one of the following permitted uses under the DPPA:
TRADS is not a "consumer reporting agency," as defined by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) ("FCRA") and TRADS Services do not constitute a "consumer report," as defined by FCRA and shall not be subject to the FCRA requirements relating to disputes, access, accuracy or otherwise. TRADS Services may not be used in whole or in part as a factor in determining eligibility for credit, insurance, or employment or for any other purpose contemplated by the FCRA.
If Subscriber is using TRADS Services in connection with collection of a consumer debt on its own behalf, or on behalf of a third party, Subscriber shall not use TRADS Services to do the following:
Include in prioritization and segmentation activities.
Determine a consumer’s collectability.
Subscriber shall not take any "adverse action," as defined in the FCRA, or otherwise act in a manner that is contrary to a consumer’s interest unless the basis for doing so is information Subscriber obtains from a source other than TRADS Services.
7. DHI DriverRiskSM Services
If Subscriber elects to receive any DriverRisk driving record data services (collectively, “DriverRisk Services”) in connection with the TRADS Services, Subscriber hereby enters into an agreement with Drivers History Information Sales LLC (“DHI”) through TRADS, as agent for Drivers History Information Sales LLC (“DHI”), into which the following provisions of these Subscriber Agreement Additional Terms and Conditions are incorporated by reference: Sections 1, 3, 4, 6, 7, 13, 14 – 23; provided, however, as so incorporated, each reference to “TRADS” in such provisions shall mean “DHI”, and each reference to “Services” shall mean “DriverRisk Services”. In addition to the foregoing incorporated terms, the following terms and conditions shall apply solely with respect to the DriverRisk Services:
The Driver Risk Services are provided by DHI. DHI makes no representations or warranties, expressed or implied, regarding the accuracy, completeness or timeliness of the Services Information or the results to be obtained with the Services Information, or that the Services Information has been scrubbed against any regulatory or selfregulatory registry. DHI hereby disclaims all express and implied warranties with respect to the Services Information.
Except as expressly set forth in this Agreement, DHI and its third party providers shall have no liability whatsoever to Subscriber or any third party with respect to the Services Information or this Agreement.
Subscriber agrees to indemnify and hold DHI, and its parents, subsidiaries, and affiliates, and each of their respective officers, directors, members, employees, contractors, agents, representatives, successors and assigns, harmless from and against any claims, charges, demands or suits instituted against DHI and its third party data providers arising out of or resulting from Subscriber’s (i) failure to comply with the terms and conditions of this Agreement, (ii) violation of any applicable federal, state or local law, regulation, rule or judicial or administrative order with regard to the subject matter of this Agreement; (iii) any actual, potential or threatened unauthorized access to or use of the Services Information, (iv) any use of the Services Information by individuals or entities that obtain access to the Service Information through or from Subscriber, which have not been authorized by this Agreement to have access to and/or use the Services Information, or (v) its use of or negligent maintenance of the Services Information.
If liability is imposed on DHI, Subscriber agrees that DHI’s total liability for any or all of the Subscriber’s losses or injuries resulting from DHI’s acts or omissions under this Agreement, regardless of the nature of the legal or equitable right claimed to have been violated, shall not exceed the amount the Subscriber paid to DHI for the particular Services Information which is the subject of the alleged breach. Subscriber covenants that it will not sue DHI or any third party for any amount greater than such amount and that it will not seek punitive damages in any suit against DHI or any of its third party providers. Except where expressly noted to the contrary, in no event shall DHI be liable for any indirect, incidental, special, exemplary, punitive, consequential or other damages whatsoever (including, but not limited to, liability for loss of profits), even if advised of the possibility of such damages, without regard to the form of any action, including but not limited to Contract, negligence or other tortious actions, arising out of or in connection with this Agreement or the data. Subscriber also agrees to give DHI immediate written notice of all actions, claims, losses or damages arising out of its use of the Services Information. The obligations and responsibilities of DHI and Subscriber created under this Section 9 are solely and exclusively the obligations and responsibilities of such entities
Certain data provided by TRADS as part of TRADS Services may include information obtained from the Limited Access Death Master File (LADMF) made available by the US Department of Commerce National Technical Information Service (NTIS) and subject to regulations found at 15 CFR Part 1110. All TRADS subscribers are required to comply with all applicable laws and, if Subscriber is granted access to LADMF data, Subscriber certifies compliance with 15 CFR 1110. Subscriber’s failure to comply with 15 CFR Part 1110 may subject Subscriber to penalties under 15 CFR 1110.200 of $1,000 for each disclosure or use, up to a maximum of $250,000 in penalties per calendar year.
If Subscriber elects to receive any fraud prevention products and services (whether Identity Verification, Identity Authentication, Identity Alerts, Fraud Score, Phone Verify, ID Passcode, and/or Digital Verification, collectively, “Identity Manager”) offered by TRADS, the following additional terms and conditions apply to such TRADS Services:
With respect to each Subscriber request for Identity Manager, Subscriber also hereby certifies that it is the end user of Identity Manager and that Subscriber and its employees will request, obtain and use Identity Manager only for the following permitted use (“Permitted Use”):
Subscriber and its employees shall comply with all applicable federal, state and local laws, statutes, rules and regulations including, but not limited to, Section (6802) (e) of the Gramm-Leach-Bliley Act (“GLB”), Title V, Subtitle A, Financial Privacy (15 U.S.C. § 6801-6809) and the United States Federal Trade Commission rules promulgated thereunder, all other applicable privacy laws, “do not call” laws, the Drivers Privacy Protection Act (18 U.S.C. § 2721 et seq.) (“DPPA”) and similar and/or associated state laws and regulations governing the use and disclosure of drivers’ license information, and the Telephone Consumer Protection Act (47 U.S.C. § 227) (“TCPA”) and similar and/or associated state laws and regulations, as they each may be respectively interpreted from time to time, by competent legislative, regulatory or judicial authority.
Subscriber shall not request, obtain or use ID Manager Services for marketing purposes nor for any purpose except as expressly provided for herein. Moreover, Subscriber shall not take any adverse action, which is based in whole or in part on the ID Manager Services, against any consumer. For the purposes of this Addendum, the terms “adverse action” and “consumer” shall have the same respective meaning as those terms are defined in the FCRA.
In no event shall Subscriber use IDMV Service, Identity Alerts, Digital Verification, Phone Verify or ID Passcode, in whole or in part, as a factor in establishing an individual’s creditworthiness or eligibility for (i) credit or insurance, or (ii) employment, nor for any other purpose under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) (“FCRA”).
The Fraud Score utilizes, and to the extent, that the IDMA Service requested by Subscriber utilizes, in whole or in part, Consumer Reports as defined in the FCRA, Subscriber certifies that it will request and use each such requested IDMA Service and/or Fraud Score solely for one of the permissible purposes certified in the Service Agreements.
Subscriber shall not, and shall not permit any employee or third party to: (a) copy all or any portion of any Digital Verification materials; (b) decompile, disassemble or otherwise reverse engineer the Digital Verification; (c) modify, translate, or otherwise create any derivative works based upon the Digital Verification; (d) distribute, disclose, market, rent, lease, assign, sublicense, pledge or otherwise transfer the Digital Verification or any materials derived therefrom, in whole or in party, to any third party; or (e) remove or alter any copyright, trademark, or other proprietary notices, legends, symbols, or labels appearing on the Digital Verification.
If Subscriber elects the option to obtain Secure Sockets Layer Certificate hosting, Subscriber agrees to the following:
Subscriber must purchase from a third party provider (a “Certificate Authority”) and deliver to TRADS, for TRADS to deliver such to the third party Digital Verification service provider, for installation on service provider’s server cluster, a Secure Sockets Layer Certificate to authenticate the Subscriber’s website (a “Certificate”). Subscriber represents and warrants that it has all the rights necessary to deliver the Certificate to TRADS for delivery to the third party Digital Verification service provider and the third party Digital Verification service provider has the right to install the Certificate on service provider’s server cluster as necessary to provide the enhanced profiling service. Subscriber shall defend, indemnify, and hold TRADS, and its representatives, including parents, subsidiaries and affiliates, and the third party Digital Verification service provider harmless from and against any costs, claims, or liabilities arising out of or relating to any inaccuracy in the foregoing representation and warranty.
10. Indemnity; Disclaimer of Warranties; Limitation of Liabilities
Subscriber shall indemnify, defend and hold harmless TRADS and its officers, directors and employees, from and against any third party’s claims, suits, damages, and losses, including reasonable attorneys’ fees and costs, arising out of or in connection with (i) Subscriber’s use of TRADS Services or any information derived therefrom, (ii) Subscriber’s violation of any applicable federal, state or local law, regulation, rule, ordinance or judicial or administrative ruling; and (iii) Subscriber’s breach of this Agreement. TRADS may, at its election and expense, be represented by counsel of its choice and be present at all associated proceedings. Subscriber may not settle or consent to the entry of any judgment without the prior written consent of TRADS, which shall not be unreasonably withheld, conditioned or delayed. Subscriber recognizes that TRADS will suffer irreparable harm, and that monetary damages may be incalculable and/or inadequate in the event that Subscriber retains TRADS data in breach of this Agreement, and therefore, such breach shall be entitled to remedy by injunctive relief, in addition to any and all other relief which may be available at law or at equity.
The TRADS Services are provided “as-is”, with no warranties of any kind, whether express, implied in fact or by operation of law, or statutory, including without limitation, those as to quality, non-infringement, accuracy, completeness, timeliness, or currentness, and those warranties that might be implied from a course of performance or dealing or trade usage and warranties of merchantability and fitness for a particular purpose.
TRADS and its representatives, including parents, subsidiaries, and affiliates, shall not be liable to Subscriber or other third parties for, and Subscriber agrees not to sue for, any claim relating to TRADS’s procuring, compiling, collecting, interpreting, reporting, communicating, or delivering TRADS Services.
TRADS’S ENTIRE AGGREGATE LIABILITY TO SUBSCRIBER UNDER THE SUBSCRIBER AGREEMENT IS LIMITED TO DIRECT DAMAGES NOT EXCEEDING THE FEE PAID BY SUBSCRIBER FOR THE TRADS SERVICES OBTAINED WHICH GIVE RISE TO ANY FIRST SUCH CLAIM.
ADDITIONALLY, TRADS SHALL NOT BE LIABLE TO THE OTHER FOR ANY AND ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT BROUGHT MORE THAN TWO (2) YEARS AFTER THE CAUSE OF ACTION HAS ACCRUED.
These Terms and Conditions are subject to change from time to time. Notice may be given by any reasonable means, including, but not limited to, posting such changes on the website. Accordingly, Subscriber should periodically review these website Terms and Conditions By continuing to enter the Website, Subscriber acknowledges and agrees that it shall be bound by any such modifications.
13. Subscriber Change
Subscriber shall notify TRADS immediately of any changes to the information on the Subscriber’s Application for TRADS Services. Notification of any changes shall be sent via email to accountupdate@tlo.com. TRADS reserves the right to terminate the license to use TRADS Services without further notice upon receipt of any change in Subscriber’s status which in TRADS sole discretion would cause the Subscriber to be unable to comply with its obligations under the Subscriber Agreement.
Subscriber shall hold in confidence and shall not disclose, in whole or in part, information relating to TRADS’s business, including, without limitation, products, services, systems, processes, pricing, data sources, test results, and other TRADS technical and financial information, including the terms of the Subscriber Agreement, as well as TRADS Services and information derived from the TRADS Services (“Services Information”), and any analyses, compilations and reports derived from any of the foregoing. Except for the limited access and use rights granted in the Subscriber Agreement, TRADS retains all right, title and interest in TRADS Services and Services Information and Subscriber is not granted any ownership rights or title thereto.
15. Access/Security Requirements
Subscriber shall use TRADS Services and Services Information for Subscriber’s exclusive one-time use. Services Information may not be delivered to, or filed with, third parties.
Subscriber must: (i) not disclose its TRADS ID(s) and TRADS password(s) to anyone other than its authorized employees, even if such individuals claim to be employees of TRADS; (ii) secure all devices used to access TRADS Services as well as all hard copies and electronic files of Services Information to prevent unauthorized access; (iii) permanently destroy all hard copies and electronic files of Services Information when no longer needed and when applicable regulation(s) permit destruction; (iv) have their workstations configured to automatically lock after 15 minutes of inactivity, or set online timeout settings for any TRADS Service (including, without limitation, TLOxp®) session to no more than 15 minutes and (v) not access and/or use the TRADS Services via mechanical, programmatic, robotic, scripted or other automated search means, other than through batch or machine-to-machine applications approved by TRADS.
Subscriber agrees to designate an account administrator to ensure compliance with this Agreement by all users granted access by the Subscriber. Specifically, the account administrator is responsible for (i) allowing only appropriate employees to obtain TRADS Services in compliance with this Agreement; (ii) monitoring appropriate use of TRADS Services by the Subscriber and its employees; (iii) maintaining accurate records of all current employees with access to TRADS Services, and all former employees who have ever accessed them; (iv) issuing guidelines for the appropriate use of TRADS Services by its users; (v) ensuring that each of its users is accessing TRADS Services with only his or her own individually-assigned username and password; and (vi) terminating access when a user is no longer employed by Subscriber, is transferred to new duties not requiring access, or is suspected of improper access or use of TRADS Services. Subscriber will employ appropriate policies and procedures to control access and security of usernames, passwords, and terminal access for TRADS Services. Subscriber will promptly (but in no event later than within twenty-four hours of the occurrence) notify TRADS at SecurityIncident@TransUnion.com of any breach of security in which an unauthorized person has gained access to TRADS Services.
Subscriber will (i) limit access to TRADS Services to only those employees who have a need to access in connection with the duties and obligations under this Agreement; (ii) advise its employees having access to TRADS Services of the proprietary and confidential nature thereof and of the obligations set forth in the Subscriber Agreement; (iii) safeguard the Services Information using reasonable and appropriate administrative, technical, and physical security safeguards; (iv) track and monitor its access to TRADS Services; (v) prevent any use not in conformance with this Agreement, and (vi) maintain records sufficient to demonstrate compliance with its obligations under this Agreement.
In the event a conflict arises between either the terms in the Subscriber Agreement and any other agreement, the terms in the Subscriber Agreement shall prevail.
The Subscriber Agreement and these Terms shall be governed by Delaware law, without reference to its choice of law rules. Venue for all actions shall be in the United States District Court for the Southern District of Florida or the Fifteenth Judicial Circuit Court in and for Palm Beach County, Florida. The prevailing party in any action shall be entitled to reasonable attorneys’ fees and costs.
If any provision of the Subscriber Agreement, including these online Terms and Conditions, is or becomes void or unenforceable by law, the other provisions shall remain valid and enforceable.