Source: https://www.backgroundchecks.com/Terms-And-Conditions
Timestamp: 2018-12-11 06:23:50
Document Index: 629227938

Matched Legal Cases: ['§ 1681', 'art 1022', 'art 1022', 'art1022', 'art 682', '§ 6801', 'art 1022', 'art 1022', 'art 1022', '§ 6801', '§ 613', '§ 1681', '§ 613', '§ 1681', '§ 613', '§ 1681', '§ 31', '§ 24', '§ 380', '§ 605', '§ 1681', '§ 611', '§ 1681', 'art 1022', 'art 1022', 'art 1022', 'art 1022', '§ 613', '§ 1681', '§ 613', '§ 1681', '§ 613', '§ 1681', '§ 31', '§ 24', '§ 380', '§ 605', '§ 1681', '§ 611', '§ 1681', '§ 613', '§ 1681', '§ 1786', '§ 1024', '§ 24', '§ 1024', '§ 24', '§ 1785', '§ 603', '§ 1681', '§ 603', '§ 1681']

Terms And Conditions | backgroundchecks.com
Article 1 Terms about making this agreement
Article 2 Terms about laws with which you must comply
Article 3 Terms about charges you must pay
Article 4 Terms about services we provide
Article 5 Terms about intellectual property rights
Article 6 Terms about legal liability
Report Certifications
Report Certifications for Resale Intent of No Resale
Report Certifications for Resale Intent of CRA Resale
Report Certifications for Resale Intent of Conduit Resale
Report Certifications for Resale Intent of Non-CRA Resale
Report Certification for End-user Purpose of Employment-Related Screening
Report Certification for End-user Purpose of Trucking
Report Certification for End-user Purpose of Volunteer Screening
Report Certifications for End-user Purpose of Tenant Screening
Report Certifications for End-user Purpose of Non-Tenant Credit
Report Certifications for End-user Purpose of Insurance Underwriting
Report Certifications for End-user Purpose of Government License or Benefit
Report Certifications for End-user Purpose of Other Consumer-Initiated Transaction
Report Certifications for End-user Purpose of Other Written Consent
Report Certifications for End-user Purpose of Employee Misconduct Investigation
Report Certifications for End-user Purpose of Non-FCRA
This is a legally binding service agreement between two parties. The first party is e-backgroundchecks.com,Inc., a Texas corporation doing business as backgroundchecks.com, whom this agreement calls "we" and"us." The second party is either:
the company, partnership, association, government agency, or other organization that you identified inyour registration on our website; or
you personally, if you did not identify a company, partnership, association, government agency, or otherorganization on the registration page.
The word "you" by itself in the rest of this agreement means this second party. The word "you" by itselfin this section 1.1 and the phrase "you personally" anywhere in this agreement both mean you, the individualwho signs this agreement.
Section 1.2 What if you already have another agreement with us?
If you already have a separate agreement with us that both parties signed and that states that our relationshipwill not be governed by any future electronic agreement, form we provide, or form on our website, thenthese Terms of Service do not replace your separate agreement unless(a) it does so as described in the separate agreement or (b) you sign another document that says youagree to this agreement. But, if that separate agreement is mainly a list of services, prices, paymentterms, and a few additional terms or if it does not state that it is the complete agreement between youand us, then that separate agreement just sets the services and prices available under this agreement andany additional terms contained in it supplement this agreement. In any case, the Report Certificationsyou make are in addition to these terms of service or your separate agreement.
Section 1.3 How do you agree to this agreement?
You agree to this agreement if you sign it electronically. You sign this agreement electronically by clickingany button or any box associated with words that say you accept or agree to this agreement. You alsosign this agreement electronically by taking any other action that shows your intent to sign this agreement.You also agree to this agreement if you electronically or manually sign a separate document that saysyou agree to this agreement. Despite the use of any other terminology, your signing this agreement isyour offer to us, not your acceptance of an offer from us.
Section 1.4 What are you personally confirming to us by signing this agreement?
By signing this agreement in any manner, you personally confirm to us that the company, partnership, association,government agency, or other organization identified either on the registration page that you completedor in a document saying that you agree to this agreement:
is validly organized, existing, and in good standing with its jurisdiction of organization;
is a legitimate business, non-profit, or government organization;
has the power to enter into this agreement;
is not entitled to sovereign or governmental immunity from suit or liability related to this agreement;
does not violate any law or any organizational charter, bylaws, or similar documents by entering thisagreement;
is not the subject of any bankruptcy, insolvency, conservatorship, or similar proceeding known to it;
has received all necessary organizational and governmental authorizations needed to enter into this agreementand make it binding; and
has given you personally the actual authority to sign this agreement on its behalf.
Section 1.5 What is really important in this agreement?
We believe that every word of this agreement is important. Although it is long, we put considerable effortinto eliminating legalese, so that you can understand all of it. But the law might require us to bringsome parts to your attention more than other parts. You should make sure you read them. They are:
Section 1.7: What are your rights related to electronically signing this agreement?
Section 1.10: What else is included in this agreement?
Section 3.4: Will we give you a refund?
Section 3.8: What additional terms apply to pre-paid plans?
Section 6.2: Do we make any warranties?
Section 6.3: Against what claims do you agree to protect us and our associates?
Section 6.5: How does this agreement limit our liability?
Section 6.7: Where may either you or we sue the other?
Section 1.6 How do we agree to this agreement?
Send you any email or other communication saying we accepted or agreed to this agreement;
Send you a username or password for your use in ordering services from us;
Send you any information from your use of our services; or
Take any action that shows our intent to sign this agreement electronically.
Despite the use of any other terminology, our signing this agreement is not our offer to you, but isour acceptance of your offer to us.
Section 1.7 What are your rights related to electronically signing this agreement?
By electronically signing this agreement, you consent that we may send you information having to do with our website or our services electronically (such as on our website or through email), instead of on paper or by mail. For example, your consent applies to all information that any law requires us to give you in writing or by mail. We need not give you any information in paper or other non-electronic form. You may withdraw your consent, but only by closing your account with us as described in section 9.8 and providing us an address to which we may send notices. You may update the information we use to send you information electronically as described in section 9.1.
Section 1.8 How may we change this agreement?
We may propose to change this agreement by posting a replacement on our website and giving you notice thatwe have done so. You agree to the changed agreement on the earlier of (a) 30 days after we give you noticethat the changed agreement has been posted, unless you close your account before then as described insection 4.8 or (b) when you agree to the new agreement as describedin section 1.3. We may also discontinue your access to our servicesuntil you confirm that you have agreed to the changed agreement.
Section 1.9 To what else do you agree under this agreement?
Our website requires a username and password for individuals and systems acting on your behalf ("Users") to order services from us. If you registered your account online, your first User isthe person who registered the account. If you registered in any other way, your first User is theone that we initially register at the direction of your people who were working with our people.Our website allows certain of your Users ("Administrators")to add Users. Your first User is automatically an Administrator. Every Administrator can make anyother User be an Administrator. We may also add Users that you designate in writing. If you interfaceany of your computer systems with our computer systems, one or more of your Users may be a systemthat interfaces with our systems to place orders for and receive results of our services. Our interfacespecifications determine the meaning of any communication between your systems and our systems throughan interface. Our systems require your Users to certify facts to us (including the use that you willmake of information that you receive from us) and make promises to us (including that you will notuse certain information in violation of certain laws). You hereby appoint your Users (including Usersthat are automated systems) as your agents to make those certifications and promises on your behalfand to accept changes to this agreement under section 1.8 on yourbehalf. You agree to ensure that all certifications that your Users make to our systems are truewhen made. You agree to ensure that you fulfill all promises and certifications that your Users make to our systems.
Section 1.10 What else is included in this agreement?
Except for any price list identified in section 1.2 and any additional certifications or promises you make under section 1.9, this agreement (including the Terms of Service except to the extent section 1.2 excludes them and including the relevant Report Certifications) is the entire and final agreement between you and us relating to us providing services to you. It replaces every prior or contemporaneous, oral or written communication, understanding, or agreementbetween you and us that relates to us providing services to you. This agreement is not to be explained,supplemented, or qualified by evidence of a prior course of dealings.
Section 2.1 How are you responsible for compliance with law?
Various laws apply to the information we provide to you through our services (that information being the"Reports"), usually for the purpose of protecting the person that eachReport concerns (that person being the "Consumer"). You agree to complywith all applicable law. You agree to ensure that no agreement, government order, or law binding youwould prohibit our reporting to you. You confirm that you have independently educated yourself aboutyour duties under applicable law. We are not a law firm. We do not provide legal advice. We do not actas your legal counsel. We advise you to assure your compliance with law by involving your own legal counsel.You confirm that you are not relying on us to ensure that you are complying with applicable law. Youacknowledge that we are relying, for our compliance with law, on you performing your duties under thisagreement. You agree to promptly notify us of any lawsuit or government investigation against you thatinvolves any Report we provided you.
Section 2.2 What are your duties related to consumer reporting laws?
The Fair Credit Reporting Act, regulations issued under it, and similar state laws (collectively, the "FCRA") regulate most of the information that provide in our Reportsand that bears on a Consumer's creditworthiness, creditstanding, credit capacity, character, general reputation, personal characteristics, or mode of living (that information being "Consumer Reporting Information").The FCRA more intensively regulates our Reports in which weobtain Consumer Reporting Information by interviewing someone, which are called "investigative consumer reports." Thefederal FCRA statute begins at 15 U.S.C. § 1681 [see http://www.ftc.gov/os/statutes/fcradoc.pdf]; most federal regulations begin at 12 C.F.R. part 1022 [see http://www.gpo.gov/fdsys/browse/collectionCfr.action?collectionCode=CFR].The FCRA requires us to get you to agree to or certify certain things. It also requires you to docertain things and prohibits you from doing others. Many of your duties concern taking any "adverseaction" under the FCRA based on a Report. You confirm thatwe have provided you and you have read the Consumer Financial Protection Bureau's "Notice to Users of Consumer Reports: Obligation of Users under the FCRA" [see http://www.backgroundbiz.com/docs/Obligations-of-Users.pdf], which appears at 12 C.F.R. part 1022appendix N and which explains many of your duties under the FCRA. You confirm that we have providedyou and you have read the Consumer Financial Protection Bureau's "A Summary of Your Rights under the Fair Credit Reporting Act" [see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf](the "Summary of Rights"), which appears at 12 C.F.R. part1022 appendix K and which explains to the Consumer manyof the Consumer's rights under the FCRA. You acknowledgethat obtaining information about a Consumer from us underfalse pretenses is a federal crime. In addition to the FCRA, many state laws also regulate the Consumer Reporting Information that we provide in ourReports.
Section 2.3 What are your duties based on what you will do with the Report?
Your duties under this agreement, the FCRA, other federal laws, and many state laws and our duties under our agreements with our information suppliers, the FCRA, other federal laws, and many state laws depend on whether you will resell ourReport and, if so, to whom (your "Resale Intent") and the purpose for which the end-user (which is you if you will notresell the Report) will use the Report (the "End-user Purpose"). Our systems allow your Users to select the Resale Intentand End-User Purpose for which you obtain Reports from us through our website. For Reports ordered through a system-to-systeminterface, you agree to select your Resale Intent and End-user Purpose in writing outside of our website and we may acceptor decline your selection; if you fail to designate a Resale Intent or End-user Purpose for a User that is a system thatorders from our system through an interface, you hereby select the Resale Intent of CRA Resale and the End-user Purpose ofEmployment-Related Screening. By your User selecting a Resale Intent and End-user Purpose for a Report, you confirm thatyour Resale Intent and End-user Purpose are those selected, agree to our additional Report Certifications that apply tothe selected Resale Intent and End-user Purpose, agree not to resell the Report except as your Resale Intent permits, andagree to prevent the use of the Report except as your End-user Purpose permits. You agree to inform us in writing if yourselected Resale Intent or End-user Purpose changes by using our website to inform us of your new Resale Intent and End-userPurpose. The Resale Intents and End-user Purposes from which you may be able to select, and the additional terms that applyto your purchases for those Resale Intents and End-user Purposes, are the following, although we do not allow every possiblecombination of Resale Intent and End-User Purpose and you may not qualify for every Resale Intent or End-user Purpose.
Section 2.4 What are the Resale Intents for which you may order or use Reports?
The Resale Intents are set out below. You agree not to orderany Report for any Resale Intent not described below.
"No Resale" means that you will not resell the Report, and will be the end-user of the Report.The Report Certification for Resale Intent of No Resale applies toReports ordered or received for this Resale Intent.
"CRA Resale" means that you will not be the end-user of theReport, but that you are a consumer reporting agencyand will use information from the Report in preparing your own report to the end-user. The Report Certification for Resale Intent of CRA Resale applies to Reports ordered or received for this Resale Intent.
"Conduit Resale" means that you will not be the end-userof the Report and are not a consumer reporting agency, but will resell the Report to a consumer reporting agency, who will use information from the Report in preparing its own report to the end-user. The Report Certification for Resale Intent of Conduit Resale applies to Reports ordered received for this Resale Intent.
"Non-CRA Resale" means that you will not be the end-userof the Report and are not a consumer reporting agency, but will resell the Report to the end-user. The Report Certification for Resale Intent of Non-CRA Resale applies to Reports ordered or received for thisResale Intent.
Section 2.5 What are the End-user Purposes for which you may order or use Reports?
The End-user Purposes are the following, where theend-user is either you (if your Resale Intent isNo Resale) or whoever is the end-user of the reportyou provide (if your Resale Intent is anythingother than No Resale). You agree not to order anyReport for any End-user Purpose not describedbelow.
"Employment-Related Screening" means thatthe end-user will use the report it receives for "employment purposes" under the FCRA (but either is not considering the subject of that report as an applicantfor a regulated trucking position or has interacted with the subject in some way other thanmail, phone, computer, or similar means). The Report Certification for End-User Purpose of Employment-Related Screening applies to Reports ordered or received for thisEnd-user Purpose.
"Trucking " means that the end-user (1) will use the reportit receives for "employment purposes" under the Fair Credit Reporting Act; (2) is consideringthe subject of that report as an applicant for a regulated trucking position; and (3) hasonly interacted with the subject mail, phone, computer, or similar means. The Report Certification for End-User Purpose of Trucking applies to Reports ordered or received for this End-user Purpose.
"Volunteer Screening" means that the end-user willuse the report it receives for screening the subject of that report in connection with acurrent or prospective unpaid volunteer. The Report Certification for End-User Purpose of Volunteer Screening applies to Reports ordered or received for thisEnd-user Purpose.
"Tenant Screening" means that the end-user will usethe report it receives for screening the subject of that report in connection with a currentor prospective housing tenancy. The Report Certification for End-User Purpose of Tenant Screening applies to Reports ordered or received for thisEnd-user Purpose.
"Non-Tenant Credit" means that the end-user will usethe report it receives to evaluate the subject of that report for credit to be used primarilyfor personal, family, or household purposes. The Report Certification for End-User Purpose of Non-Tenant Credit applies to Reports ordered or received for thisEnd-user Purpose.
"Insurance Underwriting" means that the end-userwill use the report it receives in connection with the underwriting of insurance involvingand initiated by the subject of that report. The Report Certification for End-User Purpose of Insurance Underwriting applies to Reports ordered or received for thisEnd-user Purpose.
"Government License or Benefit" means thatthe end-user will use the report it receives in connection with a determination of the eligibilityof the subject of that report for a license or other benefit granted by a governmental instrumentalityrequired by law to consider an applicant's financial responsibility or status. The Report Certification for End-User Purpose of Government License or Benefit applies to Reports ordered or received for thisEnd-user Purpose.
"Other Consumer-Initiated Transaction"means that the end-user will use the report it receives for some other legitimate businesstransaction initiated by the subject of the report. The Report Certification for End-User Purpose of Other Consumer-Initiated Transaction applies to Reports ordered or received for thisEnd-user Purpose.
"Other Written Consent" means that the end-userwill use the report it receives in accordance with the written instructions of the subjectof the report. The Report Certification for End-User Purpose of Other Written Consent applies to Reports ordered or received for thisEnd-user Purpose.
"Employee Misconduct Investigation"means that the end-user will use the report it receives to investigate a current employeewho is the subject of that report, based on individualized suspicion about either (1) misconductrelating to employment or (2) non-compliance with law, the rules of a self-regulatory organization,or the end-user's pre-existing, written policies as an employer. The Report Certification for End-User Purpose of Employee Misconduct Investigation applies to Reports ordered or received for thisEnd-user Purpose.
"Non-FCRA" means that the end-user will use the report it receivesso that report is not regulated by the Fair Credit Reporting Act. The Report Certification for End-User Purpose of Non-FCRA applies to Reports ordered or received for thisEnd-user Purpose.
What additional terms apply based on the services included in our Report?
Some services included in our Reports have different or additional terms, which are set out within the Report Certifications for Resale Intent,set out below in this section 2.6, or both. Those terms only apply to the extent that we provide you those services. These services are the following:
"Name and Address History" is the service of providing names and addresses associated with a social security number. Name and Address History appears in the US OneTRACE product and the AliasSEARCH and AliasVERIFY product families. Terms related to Name and Address History are set out in the Report Certifications for Resale Intent.
Section 2.7 What must you do before relying on our Report?
You agree, when you receive a Report from us, to use commonsense and all information that you have to independently confirm that the information in theReport actually relates to the Consumer.You agree not to take any adverse action based on the Report if you have any doubt that the information in the Report actually relates to the Consumer. You agree not to relyon the fact that we have provided you the information in the Report to eliminate any such doubt.
Section 2.8 What must you not do with our Report, regardless of your purpose?
You agree not to copy, distribute, disclose, publish, or use any Report (or any information in a Report) except the followingtwo sentences allow. You may distribute the Report tothe Consumer, use the Report internally in a single use (but subsequent explanation or justification of that use is not a separate use), and use and disclose the Report as requiredby law. Additionally, if you order the Report for aResale Intent of CRA Resale, you may disclosethe Report or information from the Report to the end-user; or, if you order the Report for a Resale Intent of Conduit Resale, you may disclose the Report (without change or addition) to a consumer reporting agency who provides the Report or information from the Report to the end-user; or, if you order the Report for aResale Intent of Non-CRA Resale, you may disclose the Report (without change or addition) to the end-user. If you provide the services of your employeeson assignment to your clients, you agree not to provide Reports to your clients, but you may express your decision based on the Reports. You agree not tomaintain a database that includes information from the Report and that you (or anyone else) use to produce new "consumer reports" as defined in theFCRA, except as the following two sentences permit. If you order the Report for a Resale Intent of CRA Resale, you may either provide theReport to the end-user as your own report or use information from the Report to create a single new consumer report that you provide to the end-user. If you order the Report for a Resale Intent of Conduit Resale, your client that isa consumer reporting agency may either provide the Report to the end-user as its own report or use information from the Report to create a single new consumer report that its provides to the end-user. You agree notto use information from the Report for any purposeother than a legitimate business purpose. You agree not to use any information from theReport for any unsolicited communication (includingphone call, text message, mail, email, or fax) other than communications required bylaw. You agree not to use any information in the Report to blackmail, harass, or humiliate anyone else.
Section 2.9 What additional terms apply if you enroll under a VendorSafe program?
This section 2.9 applies if you register with us under a VendorSafe program. Another organizationsponsors the program to provide that organization with assurance about the quality of the backgroundcheck that you are performing. We identify the sponsor to you on a custom landing page or duringthe registration process. You acknowledge that you know the identity of the sponsor. You confirmthat you are (or are trying to become) a vendor to the sponsor. You acknowledge that we willprovide information to that sponsor, which may include an indication that you performed a backgroundcheck on a Consumer, what services you ordered as partof that background check, whether the results of that background check meet the sponsor's criteria,and the full detail of the resulting Report. You agreeto fulfill the obligations under the certifications applicable to your Resale Intent and End-user Purpose for both yourself and the sponsor. For example, if your Resale Intent is No Resale and your End-user Purpose is Employment-Related Screening,you agree to make the pre-report disclosure that the Report Certification for End-user Purpose of Employment-Related Screening requires on both your own behalf and on behalf of the sponsor. In addition, if you personallyare the Consumer (for example, if you are ordering aReport on yourself for your company to provide to a sponsor),you personally confirm that the obligations applicable to your company's and sponsor's Report Certification for End-user Purpose of Employment-Related Screening have been fulfilled for both your company and your sponsor.
Section 2.10 What additional terms apply if you sponsor a VendorSafe program?
This section 2.10 applies if you sponsor a VendorSafe program. The program allows you to enable organizationswho supply (or want to supply) goods or services to you to run the background checks on theiremployees that you specify for a price that you and we agree upon. Despite any other terms inthis agreement, you are not responsible for paying for any services that your vendors order.As part of this program, we will create for you a custom landing page on which we will placemutually agreed information. We will provide you with the web address for that custom landingpage. You agree to distribute that web address only to organizations that are (or that you wantto be) your vendors. If one of your vendors orders a Report from us and you will receive either access to a Report or an indication of whether the content of the Report passed criteria that you provide to us, then the certifications for your vendor's Resale Intent and End-user Purpose apply to your use of that Report as if you had orderedthe Report yourself for the same Resale Intent and End-user Purpose.But we acknowledge that you may fulfill many of your duties under those certifications throughyour vendor's actions as described in section 2.9.
Section 2.11 What additional terms apply if you enroll under a SelectCheck program?
This section 2.11 applies if you register with us under a SelectCheck program. Another organizationsponsors the Program to provide it with assurance about the quality of the background checkthat you are performing on yourself personally. We identify the sponsor to you on a customlanding page or during the registration process. You acknowledge that you know the identityof the sponsor. You confirm that you are (or are trying to become) a volunteer for or a memberof the sponsor and that you are not (and are not trying to become) an employee, contractor,or agent for the sponsor (or any other position or status related to the production of income).You acknowledge that we will provide information to that sponsor, which may include an indicationthat you performed a background check on yourself, what services you ordered as part of thatbackground check, whether the results of that background check meet the sponsor's criteria,and the full detail of the resulting Report. You instructus to prepare a Report about you based on your selectionson our website and provide whatever information from or about our Report that the sponsor requests. You acknowledge that the sponsor may obtain an investigative consumerreport that will include information on your character, general reputation, personal characteristics,and mode of living. You acknowledge receiving and reading the Consumer Financial ProtectionBureau's "A Summary of Your Rights under the Fair Credit Reporting Act"[see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf]. You acknowledge that you havethe right to obtain a complete and accurate disclosure of the scope and nature of the investigationwe perform.
Section 2.12 What additional terms apply if you sponsor a SelectCheck program?
This section 2.12 applies if you sponsor a SelectCheck program. The program allows you to enableindividuals who are (or want to be) volunteers for or members of your organization but arenot (and are not trying to become) your employees, contractors, or agents (or any other positionor status related to the production of income) to run (on themselves) the background checksthat you specify for a price that you and we agree upon. Despite any other terms in thisagreement, you are not responsible for paying for any services that these individuals orderon themselves. As part of this program, we will create for you a custom landing page on whichwe will place mutually agreed information. We will provide you the web address for that customlanding page. You agree to distribute that web address only to individuals that are (or thatyou want to be) your volunteers or members. If one of your volunteers or members orders aReport from us and you will receive either accessto a Report or an indication of whether the contentof the Report passed criteria that you provide tous, you make the Report Certifications for Resale Intent of No Resale and either the Report Certification for End-user Purpose of Volunteer Screening for current or prospective volunteers or the Report Certification for End-User Purpose of Other Written Consent for current or prospective members, as if you had ordered the Report with Certifications.
Section 2.13 What other documents must you provide us?
For certain services, as a condition to providing the services, (a) you must complete and signadditional contracts and other forms that law or our suppliers require and (b) any agencyor supplier that requires that it approve those contracts or forms must provide the requiredapproval. Two examples follow: For motor vehicle records, our supplier of those records mayrequire you to enter into separate contracts with the supplier and with states that requiresuch a contract; the primary purpose of those contracts is to limit the use of those records.For credit records, credit bureaus may require you to complete an application, a letter statingyour intended use, and a site survey that attempts to verify that you are legitimate; thosecredit bureaus may also require that they approve your application before services can begin.You are not promising to sign those agreements, but we cannot provide certain services untilyou do so. Our obligation to provide any service requiring any such agreements or forms isconditioned on your compliance with them.
Section 2.14 What promises do you make about our audits of your use of our services?
We may audit your use of our services. You agree to cooperate with any audit, including by hostingthe audit at your facility during normal business hours. We agree to give you reasonablenotice of any audit that requires your cooperation. We agree to provide you advance noticeof any audit that we conduct for our own purposes and that requires your participation. Ifwe require you to host the audit at your facility, the notice will be at least 21 days inadvance; otherwise it will be at least 7 days in advance. We may shorten the notice periodif we are auditing your use of our services in response to an audit, complaint, or investigationby any of our suppliers, any government agency, any Better Business Bureau of similar organization,or any Consumer.
Section 2.15 What promises do you make about record retention?
You agree to adopt a record retention program that results in the destruction of all recordscontaining information we provide you about any Consumer (including all Reports) no later than six years fromthe date we provide you the information, except to the extent that applicable law (or a contractidentified in section 2.13) requires you to retain theinformation for a longer time. You agree to retain any document that the Consumer signed and that you relied upon as permission to order a Report from us for at least five years from the date of the Report. You may suspend destruction of records in response to actual third-partyclaims and actual government investigations. When you destroy these records, you agree todo so securely, in a way that complies with all applicable laws (including the "disposalrule found at 16 C.F.R. part 682), and in a way that prevents you or anyone else from reconstructingthe information. You agree to use reasonable efforts to preserve every record that relatesto a third-party claim or governmental investigation against us if we inform you of the natureof the claim or investigation and request in writing that you preserve any related records.As used in this section 2.15, the term "record" means anything that could be discovered inlitigation, including paper records, electronic data, email, and voicemail recordings.
Section 3.1 What do you agree to pay us for our services?
You agree to pay for all services that we provide you at the prices displayed on our website.We may change the prices on our website at any time, unless we have agreed not to do so ina formal, signed writing (and not by email). In addition to those prices, you agree to payus amounts that allow us to recover all fees that third-party information sources chargeus for access to information needed to perform the services. Examples of third-party informationsource charges include county court fees, state motor vehicle fees, statewide repositoryfees, federal court fees, employer clearinghouse fees, and educational institution clearinghousefees. You agree that the prices we charge you are net of any taxes or withholdings for taxes.If you must withhold any amount for taxes, you agree to increase the amount so that the amountyou pay us net of the withholding equals the amount we charged you.
Section 3.2 Are you responsible for charges incurred because of misuse of your account?
You agree to pay for all services ordered by anyone using a username and password assigned toyour account, even if someone uses your account without your permission. For example, ifwe reset your password and send the new password to your email account and someone stealsthe password from your email account, you are responsible for the services that person orders.
Section 3.3 How will we charge you for litigation support?
If we receive any subpoena or other order requiring us to provide you or any third party withinformation, documentation, or testimony related to our relationship with you (outside ofany litigation between you and us), you agree to pay us for the personnel time, materials,and third-party services we use in providing that information, documentation, or testimony.The amount you will pay per hour of personnel time is 125%, multiplied by the total annualcost of employing the personnel (including compensation, benefits, and payroll taxes), anddivided by 2000 hours per year. The amount you will pay for materials and third-party servicesis 110% of our out-of-pocket cost. The third-party services may include outside legal representationif we seek a protective order or review documents for compliance with a protective order,to determine whether any are legally privileged, or to determine whether the law otherwiseprohibits their disclosure. If we receive any third-party payment in conjunction with thesubpoena or order, we agree to credit that amount towards the amount you must pay us. Eachtime you agree to this agreement, you pre-authorize us to charge the most recent credit cardyou have on file with us for any litigation support.
Section 3.4 Will we give you a refund?
We do not refund any purchases. All of your purchases are final. Someservices that you can order from us will find no results, but you still agree to pay forthose services. For example, if you purchase a county criminal search on a person who hasno criminal record, our service will confirm that the person has no criminal records in thecounty we searched; you still have to pay for that search.
Section 3.5 How may you pay us?
You agree to pay by MasterCard, Visa, American Express, or Discover credit card at the time ofyour order unless we approve your credit for monthly billing. By providing us with a creditcard number, you give us permission to charge that credit card for all purchases that youmake from us, you confirm that you are authorized to make purchases with that credit card,you agree to update your card information if it changes, and you agree to abide by the creditcard issuer's agreement. You agree to make all payments in U.S. dollars.
Section 3.6 How may you pay us if we approve you for monthly billing?
This section 3.6 only applies if we approve your credit for monthly billing. We may bill youfor all amounts you owe us in one or more invoices each month. Your monthly billing datewill be the day of the month on which you originally set up your account (but we will changeit to the first if you interface your systems with ours and we will change it to a differentdate if you so request in writing). We may deliver any invoice to you electronically. Youagree to pay all amounts you owe us within 15 days after invoice date. Unless we approveyour credit for alternative payment methods, you agree to pay our invoices by MasterCard,Visa, American Express, or Discover credit card and agree to keep your credit card informationon file with us. By providing us with a credit card number, you give us permission to chargethat credit card for all purchases that you make from us, you confirm that you are authorizedto make purchases with that credit card, you agree to update your card information if itchanges, and you agree to abide by the credit card issuer's agreement. You agree to pay usa dishonored payment fee of $25 if your payment by credit card is declined or later reversed.
Section 3.7 How may you pay us if we approve you for alternative payment methods?
This Section 3.7 only applies if we approve your credit for alternative payment methods. Youagree to pay either by (a) sending a check or money order to our address for payment thatis on the invoice, (b) sending a bank draft or wire transfer in compliance with instructionsthat our finance department provides you, or (c) a manual credit card transaction on ourwebsite. Your check or money order must draw on an account held at a U.S. bank and must nothave a restrictive endorsement. If you send us a check or money order that violates the previoussentence, we may (without losing any of our rights) either return it to you or attempt todeposit it. Any restrictive endorsement on a check or money order that you send to us isvoid and we may ignore it. You agree to pay us a dishonored payment fee of $25 for if anycheck, bank draft, or money order you send us is not honored.
Section 3.8 What additional terms apply to pre-paid plans?
This section 3.8 only applies if you purchase a pre-paid plan. Generally, pre-paid plans aremonthly, semi-annual, or annual. For monthly plans, you agree to pay for your plan monthlyin advance. For semi-annual and annual plans, you agree to pay for your plan in (respectively)6 or 12 equal monthly installments in advance of each month during the plan. Unless you cancel your plan, it automatically renews on your billing date at or immediately after the end of your plan. (Normally, your you plan will end on a billing date, but not necessarily for your first planand not if your billing date changes during your plan.) You may cancel a plan as of a renewal date by giving us written notice more than one month before that renewal date. For example, if you are on a plan that will renew on June 1, you must give us cancellationnotice no later than April 30. You may email your cancellation notice to service@backgroundchecks.com.We may provide you with a written form to confirm your cancellation; your cancellation noticeis not effective unless you complete and sign this form. If your plan renews, we will chargeyou our then-current fee. If you gave us your credit card information for payment, we maycharge your credit card for the plan renewal without notifying you. Each time you agree tothis agreement, you re-affirm your credit card pre-authorization for all plans then in effect.
Section 3.9 What do you agree to pay if you do not pay on time?
If you do not pay any amount that you owe us by the time this agreement requires, you agree topay us a late fee, interest on the amount owed, and our cost of collection. The late feeis $10, which we may assess as soon as your payment is late. The interest is 1.5% per month,beginning with the invoice date (with a partial month counting as a full month), or the highestrate applicable law permits if that is less. Interest accrues on unpaid late fees and interest.You agree to reimburse us all amounts that we spend attempting to collect any amounts thatyou owe us, including fees we must pay to collection agencies, courts, attorneys, and expertwitnesses.
Section 3.10 Must you pay sales and similar taxes?
Unless you have an applicable exemption, you agree to pay all applicable sales, value-added,gross-receipts, and similar taxes on services that you purchase from us. Currently, we addTexas sales tax to all orders for the benefit of a Texas location or billed to a Texas location.If you have valid Texas sales and use tax permit or otherwise qualify for sales tax exemption,we have a process for you to request that we exempt your orders from sales tax. This is aone-time requirement that you will not need to repeat for future orders unless your businessinformation changes. You should not submit an order with sales tax then request that we removethe sales tax because this is very difficult for our system to do. Here is the process:
Download this form [see http://www.window.state.tx.us/taxinfo/taxforms/01-3392.pdf], which contains boththe Texas Sales and Use Tax Resale Certificate and the Texas Sales and Use Tax ExemptionCertification.
Complete and sign the appropriate form. If you are unsure which form you should use, theTexas Comptroller of Public Accounts website has a very helpful frequently asked questionspage about exempting Texas sales tax [see http://www.window.state.tx.us/taxinfo/sales/faq_exempt.html].
Clearly print your organization's name along the top of the form so that we are able to associatethe form with your account.
Return the form to us by fax at 803.948.2239.
We are normally able to review requests for tax-exempt status the same business day. Upon approval,we will retain the completed form in our offices and apply tax-exempt status to your account.Once your account has tax-exempt status, we will treat all future orders for your accountas tax-exempt until you request otherwise in writing. You agree to inform us immediatelyif you lose tax-exempt status. If you change the name (or company name) on your account,you must download and complete a new form with the updated information and return it to usso we may update our records.
Section 4.1 How may you update your contact information with us?
You may update your contact information with us by logging in and clicking on the "My Profile"link. You agree to keep this information current.
Section 4.2 What do you promise us about information that you provide us?
By providing us any information about a Consumer, youconfirm that you have the right to disclose that information, that we may use and furtherdisclose it without any limitations, and that the information is accurate, complete, andup-to-date.
Section 4.3 What must you do if you see an error in our services?
You agree to review everything we give you electronically to check if its transmission appearsto have caused a change or error. If you believe that it did, you agree to contact our clientservices group using the contact information on our website.
Section 4.4 How may we change our services?
We may change or discontinue our services without warning or notice, for any reason. We neednot explain that reason to you.
Section 4.5 How may we give you notice?
We may give you notice by placing the notice on our website in a manner that requires yourAdministrators to see it when logging in or by sending an email to the email addressin the registration information for any of your Administrators.We may also send you a notice about billing to any of the email addresses listed as billingcontacts for your account on our website. Any User may change that User's email address for notice,but only by changing the email address in that User'sregistration information. Any Administrator may change any of your Users' email addresses fornotice, but only by changing the email address in that User'sregistration information. Any Administrator may change your billing contacts, but only by changing that information in your registrationinformation. If we send an email notice to any of those email addresses, that noticeis effective even if you never receive it and even if we find out that you never receivedit. (For example, our notice is still effective even if the email address you gave usis wrong, out of date, inaccessible, or too full to receive more email.)
Section 4.6 How may you transfer this agreement?
If you are a sole proprietorship or an organization, you may transfer this agreement to a singlesole proprietor or organization that succeeds to substantially all of your operations byway of a merger, consolidation, amalgamation, conversion, sale of substantially all assets,or similar transaction. You may transfer this agreement to anyone with our manually signed,written consent. You agree not to otherwise transfer this agreement. If you attempt to otherwisetransfer this agreement, that transfer is void. You agree to notify us of any transfer andcooperate with our efforts to re-verify your identity, the legitimacy of your business, andthat you will use our Reports for the Resale Intent and End-user Purpose you selected.
Section 4.7 How may we close or suspend your account?
We may close or suspend your account at any time. When we do so, we will give you notice. Wewill usually suspend your account if we have reason to believe that you are violating thisagreement, violating any applicable law, doing anything that would cause us to violate anylaw, failing to respond promptly to an audit, or failing to pay us on time. If we suspendyour account, we will complete (and charge you for) any orders for services that you havealready placed with us; depending on the circumstances, we may suspend your ability to orderReports, view Reports,or both. When we close your account, we will complete (and charge you for) any orders forservices that you have already placed with us, charge you for any pre-paid plans throughthe date on which they would have been cancelled if you gave notice of cancellation on thedate we closed your account, end your ability to order and view Reports,and end your ability to access non-public portions of our website. Closing or suspendingyour account does not terminate this agreement, so your and our obligations relating toReports you ordered before we close your account continue indefinitely after we closeyour account.
Section 4.8 How may you close your account?
You may close your account with us by sending an email to service@backgroundchecks.com that you want to close your account, terminate this agreement, or anything similar. Whenwe receive your notice, we will complete (and charge you for) any orders for services thatyou have already placed with us, charge you for any pre-paid plans through the date on whichthey would have been cancelled if you had given notice of cancellation on the date we closedyour account, end your ability to order and view Reports,and end your ability to access non-public portions of our website. Closing your account doesnot terminate this agreement, so your and our obligations relating to Reports you ordered before you close your account continue indefinitelyafter you close your account.
Section 4.9 What additional terms apply if you interface your systems to ours?
This section 4.9 applies if you interface your systems to ours. You agree to abide by any instructionsin our interface specifications. Although we do not currently require our customers to stayon the most current version of our interface specifications, you agree to upgrade to ourmost current interface specification promptly after our written request.
Section 4.10 What limitations might apply to you based on your business?
Some suppliers of information will not provide information for us to provide to you if you engagein certain types of business where, in the past, other businesses have been problems forthose suppliers. Examples of these types of business include: adult entertainment, bail bonding,check cashing, credit counseling, credit repair, dating or match-making, financial counseling(except housing counseling), genealogical or heir research, insurance claims management orreview, legal representation, locating missing children, massages, operating out of an unrestrictedlocation within a residence, renting property by an individual (who is not incorporated),running a pawn shop, spiritual counseling, subscriptions (magazines, book clubs, record clubs,etc.), tattoos, and third-party repossession. If your business activity is on this list,the services that we can offer you may be limited, or we may require additional documentationfrom you, or our ways of working around these information suppliers may delay the Reports that we provide you. If your business activity is on this list,you agree to give us notice by sending an email to service@backgroundchecks.com.
Section 4.11 What additional terms apply to international services?
This section 4.11 applies to any orders you place for Reports that include information from outside the United States. For us to be able to provide aninternational Report, you must provide the followingdocuments (in the form that we provide to you) for each international Report you request: (a) an international consent that includes explicitconsent to transfer information to the United States, (b) proof of identification, and (c)any additional forms required to obtain information from specific countries. You agree toadhere to the safe harbor privacy principles and related frequently asked questions that the United States Department of Commerce issued on July 21, 2000. [See http://www.export.gov/safeharbor/eg_main_018237.asp;also see http://www.export.gov/safeharbor/index.asp.)In addition, you agree to abide by all foreign laws applying to information that we obtainfrom foreign jurisdictions and provide to you. If we request, you will complete and signthe standard contractual clauses annexed to European Commission Decision2004/915/EC [see http://www.cnil.fr/fileadmin/documents/approfondir/dossier/international/cct-responsable%20vers%20responsable%202004-en.pdf].We have no control over or ability to predict the availability of information from jurisdictionsoutside the United States. Currently available information for a country might become unavailablewith or without notice. In those cases, we will be unable to provide the internationalReport. We cannot provide any assurance that we will retrieve information outside ofthe United States within any set period of time. Therefore, no other statement concerningthe timeliness of our services applies to information from outside the United States.
Section 4.12 What must you do to secure your account and our Reports?
You agree to use security procedures sufficient to protect the confidential nature of the informationthat we provide you and the privacy interests that each Consumer has in that information. You agree to use reasonable and appropriate administrative, technical, and physical security procedures to protect against (a) reasonably foreseeable threats and hazards to the confidentiality of that information and (b) unauthorized access to, use of, control over, or disclosure of that information. You agree to maintain and follow a written security policy thatis sufficient to comply with all laws related to the protection of personal information thatwe provide you. You agree to restrict the ability to order or access Report to those of your personnel who need to know the information containedin them. You agree to ensure that any of your computers from which a person could order oraccess Report are in a secure location and are lockedor turned off when unattended by those personnel. You agree to secure all stored copies (whether printed or electronic) of any Report. You agree not to store any informationincluded in any Report except to the extent requiredfor you to use the Report as this agreement permits.You agree to protect your account names and passwords so that only your authorized personnelknow them. You agree not to post these credentials anywhere. You agree to ensure that anysoftware that you use to access our website or system hides your credentials so only speciallyauthorized personnel can know them. You agree to assign a unique username and password toeach user of any such software. We never ask for credentials by telephone; you agree notto disclose your credentials by telephone. We may temporarily block access to your accountif we have reason to believe that your credentials are being misused. We may block accessto your account from specific internet protocol addresses if we have reason to believe thatuse from those addresses may be unauthorized.
Section 4.13 What must you do if you have a data breach?
You agree to notify us immediately if you have reason to believe that anyone has gotten unauthorizedaccess to, use of, control over, or disclosure of any information that we provided to you (unless that information was encryptedand you have no reason to believe that the decryption key was compromised). You agree to reasonably cooperate with us (and our information suppliers) in mitigating any resulting damage, including by allowing us (or our information suppliers) to initiate or participate in an investigation into the causes of the event and, upon our request, providing a written root-cause analysis of the event, a written plan to minimize the impact of the event, and a written plan to avoid recurrence of the event.
Section 4.14 What is our privacy policy?
We maintain a copy of our privacy policy on our website. That privacy policy describes what wedo, but is not a contractual promise. While we try to keep it current, we do not promisethat it is.
Section 4.15 What do you need to use our website or services?
To use our website or our services, you must have a version of Internet Explorer issued withinthe past two years installed on a computer with an internet connection. In particular, youmust have that hardware, software, and telecommunications connection to access a copy ofthis agreement and other electronic records related to your use of our website or services.You may be able to use our website or services using other web browsers, but you may alsoencounter errors. We may block your use of our website or services from certain browsers.
Section 4.16 Are we responsible for links to third party websites?
Our website may have links to third party websites. We are not responsible for the content ofthird party websites, even if we link to them.
Section 5.1 Do either of us grant the other any intellectual property ownership?
We do not grant you ownership of any intellectual property rights. You do not grant us ownershipof any intellectual property rights.
Section 5.2 What copyright license do we grant to you?
We grant you a non-exclusive, worldwide, royalty-free, permanent license under our copyrightsin each Report we provide you to copy, print, anddistribute the Report in any way not prohibited bythis agreement or applicable law. We grant you a non-exclusive, worldwide, royalty-free licenseunder our copyrights in the items below to do activities below, but only for the purposeof ordering and receiving our services and only while you have an active account with us:
electronically copy our website within your web browser as absolutely necessary to make ordinaryuse of our website;
electronically copy and print any interface specifications that we provide you as reasonablynecessary to assist in interfacing your systems with ours; and
electronically copy and print any training materials that we provide to you as reasonablynecessary to train your own personnel.
Section 5.3 What trademarks and notices must you retain on the Reports?
Unless you order a Report for a Resale Intent of CRA Resale or Conduit Resale or Non-CRA Resale, you agree to retain whatever trademarks and proprietarynotices we place on the Report.
Section 5.4 What information is confidential?
You agree to keep confidential all non-public information that we provide to you about our services,including our non-public prices, our interface specifications, our product plans, our listof sources in our database, and the details of how our website works (but excluding ourReport, which section 2.8 covers). You may use thisinformation only as required to use our services. You may disclose this information toyour affiliates, personnel, and contractors who have a need to know the information andhave legally enforceable duties not to use the information except in your service andnot to further disclose the information.
Section 6.1 Is information we provide true?
You acknowledge that, when we provide you information based on a third party's records (includingcourt, credit, criminal, driving, educational, and employment records), we are only sayingthat we believe that the third party's records had that information at the time we retrievedthose records. We are not saying that the information in those records is true. For example,court records can be incorrect. You acknowledge that, when we provide you information basedon our interview of a third party (including reference checks), we are only saying that thethird party told us the information we provide you. We are not saying that the informationis true. For example, information from a reference can be incorrect.
Section 6.2 Do we make any warranties?
Section 6.3 Against what claims do you agree to protect us and our associates?
The terms "Indemnify" and "Associate" and "Claim" are defined below. You agree to Indemnify us and each Associate against every Claim. You agree not to sue any of our Associates based on anything that Associate does on our behalf or based on any service or Report that you request from us or we provide you. You agree to Indemnify even if our negligence, our Associate's negligence, or our breach of this agreement causes the Claim.
"Indemnify" means promptly reimburse, or directly pay, the sum of
the reasonable cost of investigating, defending, and negotiating the Claim (includingreasonable attorney's fees, expert witness fees, and court costs); and
any monetary obligation that is imposed on us or any of our Associates as part of a settlementof the Claim that you approve, a settlement of the Claim to the extent that it wasreasonable under the circumstances (even if you do not approve it), or a final judgmenton the Claim from which no further appeal is taken.
"Associate" means:
anyone controlling, controlled by, or under common control with us (our "Affiliates");
anyone who directly or indirectly provides goods, services, or intellectual property to usor our Affiliate (our "Suppliers"); or
any employee, manager, officer, director, or other individual agent of ours, our Affiliate,or our Supplier.
"Claim" means any third-party claim (including a government investigation) arisingfrom:
anyone's use of any information in any Report or servicethat we provide you;
publication of any information in any Report we provideyou to anyone else;
liability under, or breach of, any contract between you and a third party; or
your tort, negligence, violation of this agreement, or violation of law applying to youroperations.
Section 6.4 What rights do third parties get under this agreement?
You and we do not intend to create a right for any third party (except our Associates) to enforcethis agreement directly against either party, except for those parts of this agreement thatbenefit our Associates. To the extent that, despite that intent, any court finds that a thirdparty (other than one of our Associates) may enforce this agreement directly, that thirdparty's rights are limited by all the terms, conditions, and defenses that apply to the partywhose rights the third party seeks to enforce.
Section 6.5 How does this agreement limit our liability?
third-party claims against you or anyone associated with you;
consequential damages (including lost opportunity, profits, use, or savings), incidental damages (even if advised of their possibility), punitive damages, or indirect damages;
damages in aggregate that exceed the total fees you paid us under this agreement during the calendar month for which those fees were the highest (or $100, if that is higher); or
damages arising from our delay in performing or failure to perform, to the extent beyond our reasonable control and ability to mitigate (including delay or failure caused by natural disasters, acts of god, disease, embargoes, organized labor disputes, riots, terrorism, war, or acts of civil and military authorities).
Section 6.6 What law applies to this agreement?
The internal laws of the state of Texas, USA govern this agreement and all claims (in contract,in tort, or otherwise) that relate to this agreement or its negotiation, execution, performance,or breach, as if this agreement was made and performed between two residents of the stateof Texas entirely within the state of Texas.
Section 6.7 Where may either you or we sue the other?
You consent to the courts for Dallas County, Texas handling any dispute that is between you and us or any of our Associates and that relates to the services we provide you or to this agreement. You agree not to sue us or our Associates about such a dispute in any other courts. This means that, for these disputes, you consent to the exclusive jurisdiction of and venuein the state courts (and, if federal jurisdiction applies, federal courts) for Dallas County,Texas, and you waive any assertion that Dallas County, Texas, is an inconvenient forum.
Section 6.8 What happens if part of this agreement is legally unenforceable?
If any part of this agreement or how it applies to any situation is legally unenforceable, then:
the enforceability of the other parts is not affected;
the enforceability of that part as applied to any other situation is not affected;
each party may enforce that part to the maximum extent possible to effect the intent of theparties while avoiding the unenforceable aspect; and
the parties hereby reform that part to the extent necessary to make such provision enforceable.
Section 6.9 How is this agreement to be interpreted?
This agreement is to be interpreted as if written and negotiated jointly by the parties. It isnot to be strictly construed against either party, regardless of the actual drafter of theagreement. The article and section headings in this agreement are for ease of reference onlyand are not intended to affect the meaning or interpretation of this agreement. All amountsprefaced with the dollar symbol ($) are denominated in U.S. Dollars.
Section 6.10 What is the relationship of the parties?
You and we are independent contractors. Nothing contained in this agreement creates a joint venture,partnership, employment, or fiduciary relationship between you and us. Each of youand us has the sole obligation to supervise, manage, direct, and perform its obligations,except as you and we otherwise agree in writing (other than email). Neither we nor you haveany authority of any kind to bind the other.
When any of the following Report Certifications use any capitalized term that is not definedin the Report Certification and but is defined in our Terms of Service,the term in the Report Certification has the same meaning as in the Terms of Service.
Report Certification for Resale Intent of No Resale
By ordering or receiving a Report for a Resale Intent of No Resale, you certify the following:
You will not resell the report to anyone else.
You will be the only end-user of the report.
You will reproduce, and not remove, any statement in a Report (as displayed on our website) limiting the use of Name and Address History information provided in that Report.
You will not make any eligibility decision governed by the FCRA based on any Name and Address History information provided in a Report.
You will ensure that any the Name and Address History information under your control is not (and never contend or admit that it is) a part of any"consumer report" or any Consumer's "file" governed by the FCRA or any similar state law.
You will not use the Name and Address History information for any purpose other than for us to protect againstor prevent actual or potential fraud, unauthorized transactions, claims, or other liability (which may includeyou or us selecting names, jurisdictions, or both names and jurisdictions for which to obtain information fromus or other sources and you or us demonstrating that a Name and Address History was obtained before obtainingthat other information).
You will comply with the portions of the Gramm-Leach-Bliley Act [which is 15 U.S.C. §§ 6801-09], under which the Name and Address History information is which "non-public personal information" and which limits further disclosure.
Report Certification for Resale Intent of CRA Resale
By ordering or receiving a Report for a Resale Intent of CRA Resale,you certify the following:
You are, and agree to fulfill all of the obligations of, a "consumer reporting agency"under the FCRA for the Consumer Reporting Information in theReport that you include in your report to the end-user.
We are, and our obligations are limited to those of, a furnisher of information to aconsumer reporting agency under the FCRA for the Consumer Reporting Information in in the Report.
You will not process the information in our Report outside of the United States.
You have verified, in a manner that conforms to law and all applicable industry standards,(1) the identity of the end-user, (2) that the end-user is a legitimate business,non-profit, government, or other organization, and (3) that the individual with whomyou are working actually represents that end-user.
We have provided you, and you have provided the end-user, with the Consumer FinancialProtection Bureau's "Notice to Users of Consumer Reports: Obligation of Users under the FCRA"[see http://www.backgroundbiz.com/docs/Obligations-of-Users.pdf], which appears at12C.F.R. part 1022 appendix N, and "A Summary of Your Rights under the Fair Credit Reporting Act"[see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf], which appears at 12C.F.R. part 1022 appendix K.
You have provided us a copy of the Consumer Financial Protection Bureau's "Notice to Furnishers of Information" [see http://www.backgroundbiz.com/docs/Obligations-of-Furnishers.pdf],which appears at 12 C.F.R. part 1022 appendix M.
You and your end user will:
reproduce, and not remove, any statement in a Report (as displayed on our website) limiting the use of Name and Address History information provided in that Report, to the extent that you include that information in your report to the end-user;
not make any eligibility decision governed by the FCRA based on any Name and Address History information provided in a Report;
ensure that any the Name and Address History information under your control is not (and not contend or admit that it is) a part of any "consumer report" or any Consumer's "file" governed by the FCRA or any similar state law;
not use the Name and Address History information for any purpose other than for you to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability (which may include you or the end-user selecting names, jurisdictions, or both names and jurisdictions for which to obtain information from us or other sources and you or your end-user demonstrating that a Name and Address History was obtained before obtaining that other information); and
comply with the portions of the Gramm-Leach-Bliley Act [which is 15 U.S.C. §§ 6801-09], under which the Name and Address History information is which "non-public personal information” and which limits further disclosure.
The end-user is not in one of the types of business listed in section 4.10 of our Terms of Service.
The end-user has certified the purpose for which it requested the information in your report to the end-user that you have requested from us in the Report and that it would use the informationfor no other purposes.
You have verified, in a manner that conforms to all applicable industry standards, thatthe end-user will use the information in your Report to the end-user that you have requested from us in the Report for the purposes it certified.
You have no reason for believing that the end-user will use information in the Report for any purpose other than the purpose it certified.
Under a written agreement between you and the end-user, the end-user has requested thetype of information that would be included in the Report.
You will provide information from the Report to no one but theend-user and the Consumer, except as requiredby law.
A written agreement between you and the end-user prohibits the end-user from giving the information from theReport to anyone but the Consumer, except as required by law.
If we request in writing, you will audit your end-user in a manner designed to detectany violation of law or the certifications and agreements made by that end-user,provide us with a written report of your findings, and require the end-user to promptlycorrect any violations detected.
The end-user has made confirmations and agreements that protect us and the Consumer no less than those in the Report Certification for theEnd-user Purpose you certified tous in connection with the Report.
You have obtained the end-user's acknowledgement that we may rely on those confirmationsand enforce those agreements directly as an intended third-party beneficiary (althoughyou may refer to us as your supplier, data source, or similar generic description).
You have recorded the following information for each Report:(1) the name, address, and telephone number of the end-user; (2) the search termsand options that you submitted to us; (3) the date and time that you submitted theorder to us; and (4) each purpose for which you furnish the Report or information from the Report to the end-user.
To the extent that you do not provide the information in that record to us as part ofyour order, you will hold the resulting record, as our agent, for five years afteryou receive the Report.
You will provide a copy of that record (which we will not use to compete with you) promptly whenever we request it and immediatelybefore you stop operating as a going concern.
You will not use the Consumer Reporting Information in the Report for any purpose otherthan to comply with law and to prepare your own report to the end-user as a "consumer report" under the FCRA for the purpose that the end-user certified to you and for the End-user Purpose that you certified to us.
You understand that the information provided by our "instant" services (such as our nationalcriminal database) when configured for a Resale Intent of CRA Resale is not necessarily complete or up-to-date as required by FRCA§ 613(a)(2) (which is 15 U.S.C. § 1681k(a)(2)) or comparable laws.
If the End-user Purpose you certifiedto us is Employment-Related Screening or Trucking, you will re-verify the publicrecord Consumer Reporting Information in the Report from anyof our "instant" services with the original source of the public record as describedin FCRA § 613(a)(2) (which is 15 U.S.C. § 1681k(a)(2))before disclosing that public record Consumer Reporting Information to your end-user, unless you senda notice that satisfies FCRA § 613(a)(1) (whichis 15 U.S.C. § 1681k(a)(1)) for both you and us and you explicitly note that fact in the appropriate field in your orderto us.
If the end-user will use the report it receives for anything covered by the CaliforniaInvestigative Consumer Reporting Agencies Act, Connecticut General Statutes § 31-51i(h),Indiana Code § 24-4-18-7, or New York General Business Law § 380-g, or any other state law requiring information in your report to the end-user to be complete or up-to-date, you will re-verifythe public record Consumer Reporting Information in the Report from any of our "instant" services with the original source of the public recordbefore disclosing that public record Consumer Reporting Information to your end-user.
You will ensure that the Consumer Reporting Information in the Report relates to the Consumer before providingit to the end-user.
You will not report to the end-user any Consumer Reporting Information from our Report that is prohibited from aconsumer report under FCRA § 605 [which is 15 U.S.C. § 1681c] or under any state law that limits the contents of a consumer report.
You will ensure that your provision of information to the end-user based on the Report complies with all applicable laws.
You will consistently identify yourself (and not us) as the consumer reporting agencyfor any Consumer to contact to request are-investigation, including any re-investigation of Consumer Reporting Information that you obtainedfrom us in a Report.
If you receive notice from a Consumer or anyoneelse disputing Consumer Reporting Information in a Report:
you will determine whether Consumer Reporting Information in the Report is incomplete or inaccurate as a result of any act or omission of yours, withinfive days of receiving the notice;
you will determine that the Consumer Reporting Information in the Report is incomplete or inaccurate "as a result of any act or omission" of yours underthis Report Certification, FCRA § 611(f)[which is 15 U.S.C. § 1681i(f)], and any comparable statute, if the incompletenessor inaccuracy is that a record (i) does not relate to the Consumer (despite matching the Consumer to the degree required by your order), (ii) is from an "instant" service andis missing information available in an underlying public record, (iii) is froman "instant" service and is not up-to-date compared to an underlying publicrecord, or (iv) is from an "instant" service and is no longer publicly available;
if information in the Report is incompleteor inaccurate as a result of any act or omission of yours, you will convey thenotice and your determination to us within five days of receiving the notice,reinvestigate the information on behalf of both you and us, correct or deletethe information within 20 days after your receipt of the notice, and inform usof your resolution of the request for reinvestigation as follows:
if you determine that the record does not relate to the Consumer, you will provide us with the information identifyingthe record (the record ID number for "instant" services) and the name andsocial security number of the Consumer to whom it does not relate;
if you determine that the record incompletely reflects the information in theunderlying public record, you will provide us with the information identifyingthe record (the record ID number for "instant" services), the identity ofthe missing data elements, and the data for each of those elements;
if you determine that the record has information that is not the same as theinformation in the underlying public record, you will provide us with theinformation identifying the record (the record ID number for "instant" services),the identity of the data elements that are not currently reflected, and thecorrect data for each of those elements (which could be no data being storedin those elements); and
If you determine that the record is not publicly available at all (for example,it has been expunged), you will provide us with the information identifyingthe record (the record ID number for "instant" services;
you hereby permit us to supply information about records that are no longer publiclyavailable to the national expungement clearinghouse of which we are a part; and
if information in the Report is not incompleteor inaccurate as a result of any act or omission of yours, you will, within fivedays after your receipt of the notice, convey to us the notice, your determination,and all other information the Consumer provided in the manner that we specify from time to time (including the form [http://www.backgroundbiz.com/docs/backgroundchecksDOTcom-reseller-disputes.docx]and, if we subsequently provide a notice to you about the dispute for you todeliver to the Consumer, you will promptlyconvey that notice to the Consumer.
Report Certification for Resale Intent of Conduit Resale
By ordering or receiving a Report for a Resale Intent of Conduit Resale,you certify the following:
You will resell the Report one time to a single business organization located in the United States that is a "consumer reporting agency"under the FCRA (your "Customer"), and will not use the Report or any information in the Report in any manner other than that resale.
You will not change Consumer Reporting Information in, remove Consumer Reporting Information from, or add Consumer Reporting Information to any Report that we provide to you.
You will not remove (or systematically fail to transmit to your Customer) any statements, notices, or disclaimers that we provide you in any Report.
You will not combine, merge, or assemble any information we provide you in a Report with other information about the Consumer (including information from any other Report).
You will not evaluate any Consumer Reporting Information we provide you in a Report. You will not evaluate any other information we provide you in a Report for the purpose of anyone's eligibility decision governed by the FCRA.
You will not make any eligibility decision governed by the FCRA based on any information included in a Report.
You have verified, in a manner that conforms to law and all applicable industry standards,(1) the identity of your Customer, (2) that your Customer is a legitimate business,non-profit, government, or other organization, and (3) that the individual with whomyou are working actually represents your Customer.
We have provided you, and you have provided your Customer, with the Consumer FinancialProtection Bureau's "Notice to Users of Consumer Reports: Obligation of Users under the FCRA"[see http://www.backgroundbiz.com/docs/Obligations-of-Users.pdf], which appears at12C.F.R. part 1022 appendix N, and "A Summary of Your Rights under the Fair Credit Reporting Act"[see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf], which appears at 12C.F.R. part 1022 appendix K.
Your Customer has certified to you the following:
Your Customer is, and has agreed to fulfill all of the obligations of, a "consumer reportingagency" under the FCRA for the Consumer Reporting Informationin the Report that your Customer includes in its report to the end-user.
We are, and our obligations are limited to those of, a furnisher of information toa consumer reporting agency under the FCRA for the Consumer Reporting Information in in the Report.
Your Customer will not process the information in our Report outside of the United States.
Your Customer has verified, in a manner that conforms to law and all applicable industrystandards, (i) the identity of the end-user, (ii) that the end-user is a legitimatebusiness, non-profit, government, or other organization, and (iii) that the individualwith whom your Customer is working actually represents that end-user.
Your Customer has provided the end-user with the Consumer Financial Protection Bureau's "Notice to Users of Consumer Reports: Obligation of Users under the FCRA" [see http://www.backgroundbiz.com/docs/Obligations-of-Users.pdf], which appears at12 C.F.R. part 1022 appendix N, and "A Summary of Your Rights under the Fair Credit Reporting Act" [see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf], which appears at 12 C.F.R. part 1022 appendix K.
Your Customer and its end-user will:
reproduce, and not remove, any statement in a Report (as displayed on our website) limiting the use of Name and Address Historyinformation provided in that Report, to the extent that you include that information in your report to the your Customer and itincludes that information in its report to the end-user;
ensure that any the Name and Address History information under your Customer's control is not (and never contend or admit that it is) apart of any "consumer report" or any Consumer's "file" governed by the FCRA or any similar state law;
not use the Name and Address History information for any purpose other than for your Customer to protect against or preventactual or potential fraud, unauthorized transactions, claims, or other liability (which may include your Customer or its end-userselecting names, jurisdictions, or both names and jurisdictions for which to obtain information from us or other sources and yourCustomer or its end-user demonstrating that a Name and Address History was obtained before obtaining that other information); and
The end-user has certified the purpose for which it requested the information in your Customer's report to the end-user that you have requested from us in the Report and that it would use the informationfor no other purpose.
Your Customer has verified, in a manner that conforms to all applicable industrystandards, that the end-user will use the information in your Customer's report to the end-user that you have requested from us in the Report for the purpose it certified.
Your Customer has no reason for believing that the end-user will use informationin your Customer's report to the end-user that you have requested from us in the Report for any purpose other thanthe purpose it certified.
Under a written agreement between your Customer and the end-user, the end-user hasrequested the type of information that would be included in the Report.
Your Customer will provide information from the Report to noone but the end-user and the Consumer,except as required by law.
A written agreement between your Customer and the end-user prohibits the end-userfrom giving the information from the Report to anyone but theConsumer, except as required by law.
If we request in writing, your Customer will audit the end-user in a manner designedto detect any violation of law or the certifications and agreements made by thatend-user, provide us with a written report of your findings, and require theend-user to promptly correct any violations detected.
The end-user has made confirmations and agreements that protect us and the Consumer no less than those in the Report Certification forthe End-user Purpose you certifiedto us in connection with the Report.
Your Customer has obtained the end-user's acknowledgement that we may rely on thoseconfirmations and enforce those agreements directly as an intended third-partybeneficiary (although your Customer may refer to us as its supplier, data source,or similar generic description).
Your Customer will not use the Consumer Reporting Information in the Report forany purpose other than to comply with law and to prepare its own report to the end-user as a "consumer report" under theFCRA for the purpose that the end-user certifiedto you and for the End-user Purpose that you certified to us.
Your Customer understands that the information provided by our "instant" services(such as our national criminal database) when configured for a Resale Intent of Conduit Resale is not necessarily complete or up-to-dateas required by FRCA § 613(a)(2) (which is 15 U.S.C. § 1681k(a)(2)) or comparablelaws.
If the End-user Purpose you certifiedto us is Employment-Related Screening or Trucking, your Customer will re-verifythe public record Consumer Reporting Information in the Report from any of our "instant" services with the original source of the public recordas described in FCRA § 613(a)(2) (which is15 U.S.C. § 1681k(a)(2)) before disclosing that public record Consumer Reporting Information to yourend-user, unless your Customer sends a notice that satisfies FCRA § 613(a)(1) (which is 15 U.S.C. § 1681k(a)(1)) for bothyour Customer and us and youexplicitly note that fact in the appropriate field in your order to us.
If the end-user will use the report it receives for anything covered by the CaliforniaInvestigative Consumer Reporting Agencies Act, Connecticut General Statutes § 31-51i(h), Indiana Code § 24-4-18-7, New York General Business Law § 380-g, or any other state law requiring information in your report to the end-user to be complete or up-to-date, your Customer will re-verify the public record Consumer Reporting Information in the Report from any of our "instant" services with the originalsource of the public record before disclosing that public record Consumer Reporting Informationto your end-user.
Your Customer will ensure that the Consumer Reporting Information in the Report relates to the Consumer before providingit to the end-user.
Your Customer will not report to the end-user any Consumer Reporting Information that is prohibited from a consumer report under FCRA § 605[which is 15 U.S.C. § 1681c] or under any state law that limits the contents of a consumer report.
Your Customer will ensure that its provision of information to the end-user basedon the Report complies with all applicablelaws.
Your Customer will consistently identify itself (and not us) as the consumer reportingagency for any Consumer to contact torequest a re-investigation, including any re-investigation of information thatyou obtained from us in a Report.
You will provide a copy of that record (which we will not use to compete with you or your Customer) promptly whenever we request it and immediatelybefore you stop operating as a going concern.
If you or your Customer receives notice from a Consumer disputing information in a Report:
you or your Customer will determine whether Consumer Reporting Information in the Report is incomplete or inaccurate as a result of any actor omission of yours or your Customer (respectively), within five days of receivingthe notice;
you or your Customer will determine that the Consumer Reporting Information in the Report is incomplete or inaccurate "as a result of any actor omission" of yours or your Customer (respectively) under this Report Certification,FCRA § 611(f) [which is 15 U.S.C. § 1681i(f)],and any comparable statute, if the incompleteness or inaccuracy is that a record(i) does not relate to the Consumer (despite matching the Consumer to thedegree required by your order), (ii) is from an "instant" service and is missinginformation available in an underlying public record, (iii) is from an "instant"service and is not up-to-date compared to an underlying public record, or (iv)is from an "instant" service and is no longer publicly available; and
if information in the Report is incompleteor inaccurate as a result of any act or omission of yours or your Customer, youor your Customer (respectively) will convey the notice and your determinationto us within five days of receiving the notice, reinvestigate the informationon behalf of both you or your Customer (respectively) and us, correct or deletethe information within 20 days after receipt of the notice, and inform us ofyour resolution of the request for reinvestigation as follows:
if you or your Customer determines that the record does not relate to theConsumer, you or your Customer (respectively) will provide us with theinformation identifying the record (the record ID number for "instant"services) and the name and social security number of the Consumer to whom it does not relate;
if you or your Customer determines that the record incompletely reflects theinformation in the underlying public record, you or your Customer (respectively)will provide us with the information identifying the record (the record IDnumber for "instant" services), the identity of the missing data elements,and the data for each of those elements;
if you or your Customer (respectively) determines that the record has informationthat is not the same as the information in the underlying public record,you or your Customer (respectively) will provide us with the informationidentifying the record (the record ID number for "instant" services), theidentity of the data elements that are not currently reflected, and the correctdata for each of those elements (which could be no data being stored in thoseelements); and
If you or your Customer determine that the record is not publicly available atall (for example, it has been expunged), you or your Customer (respectively)will provide us with the information identifying the record (the record IDnumber for "instant" services;
you and your Customer hereby permit us to supply information about records that areno longer publicly available to the national expungement clearinghouse of whichwe are a part;
if information in the Report is not incompleteor inaccurate as a result of any act or omission of yours or your Customer, youor your Customer (respectively) will, within five days after receipt of the notice,convey to us the notice, your or your Customer's (respectively) determination,and all other information the Consumer provided in the manner that we specify from time to time (including the form available at http://www.backgroundbiz.com/docs/backgroundchecksDOTcom-reseller-disputes.docx)and, if we subsequently provide a notice to you or your Customer about the disputefor you or your Customer (respectively) to deliver to the Consumer, you or your Customer (respectively) will promptlyconvey that notice to the Consumer.
Report Certification for Resale Intent of Non-CRA Resale
By ordering or receiving a Report for a Resale Intent of Non-CRA Resale,you certify the following:
You not a "consumer reporting agency" under the FCRA.
You are procuring the Report for single resale to a singleend-user.
You and your end-user will:
ensure that any the Name and Address History information under your control is not (and never contend or admit that it is) a part of any "consumer report" or any Consumer's "file" governed by the FCRA or any similar state law;
not use the Name and Address History information for any purpose other than for us to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability (which may include us or your end-user selecting names, jurisdictions, or both names and jurisdictions for which to obtain information from us or other sources and us or your end-user demonstrating that a Name and Address History was obtained before obtaining that other information); and
The end-user has certified the purpose for which it requested the information in theReport and that it would use the informationfor no other purposes.
You have verified, in a manner that conforms to all applicable industry standards, thatthe end-user will use the information in the Report for the purposes it certified.
You have no reason for believing that the end-user will use information in the Report for any purpose other than the purposes it certified.
A written agreement between you and the end-user prohibits the end-user from giving information from theReport to anyone but the Consumer, except as required by law.
With your order, you have provided us the name, address, and telephone number of theend-user (which we will not use to compete with you) and (2) each purpose for whichyou furnish the Report or information fromthe Report to the end-user.
You will not use the Consumer Reporting Information in the Report for any purpose otherthan to comply with law and as a "consumer report" under the FCRA for the purpose that the end-user certified to you and for the End-user Purpose that you certified to us.
You understand that the information provided by our "instant" services (such as our nationalcriminal database) is not necessarily complete or up-to-date as required by FRCA§ 613(a)(2) (which is 15 U.S.C. § 1681k(a)(2)) or comparable laws and we may therefore not report all matching records available in those "instant" services.
You understand that we may apply to Reports thatwe provide to you the same stringent matching and filtering logic that we apply toReports that we provide to our end-users.You accept the risk arising from that logic.
You will ensure that your provision of information to the end-user based on the Reports complies with all applicable laws.
You will consistently identify us (and not yourself) as the consumer reporting agencyfor any Consumer to contact to request are-investigation, including any re-investigation of Consumer Reporting Information that you obtainedfrom us in a Report.
If you receive notice from a Consumer disputingConsumer Reporting Information in a Report, you will immediatelyconvey the entire notice to us. If we subsequently provide a notice to you aboutthe dispute for you to deliver to the Consumer,you will promptly convey that notice to the Consumer.
You hereby permit us to supply information about records that are no longer publiclyavailable to the national expungement clearinghouse of which we are a part.
By ordering or receiving a Report from us for anEnd-user Purpose of Employment-Related Screening,you certify the following:
The end-user will use the information in the Report only as a "consumer report" under the FCRA andonly for "employment purposes" under the FCRA (which, according to the Federal Trade Commission, includes relationships other thannormal employment, such as individual independent contractors and individual insuranceagents).
The end-user is either (1) not considering the Consumer as an applicant for a position regulated by either or both of (i) the federal departmentof transportation under a specific statute that allows the department to establishqualifications and maximum service hours for the trucking industry or (ii) a statetransportation agency or (2) has interacted with the Consumer in some way other than mail, phone, computer, or similar means.
The end-user will not use (or permit anyone else to use) information in the Report in violation of any applicable federal or state equal employmentopportunity law or regulation.
The end-user has given the Consumer clear, conspicuous,written disclosure (in a document consisting solely of the disclosure) that a consumerreport or investigative consumer report may be obtained for employment purposes.
If the Report is governed by the California InvestigativeConsumer Reporting Agencies Act, the end-user has given the Consumer clear, conspicuous, written disclosure (in a documentconsisting solely of the disclosure) (1) that an investigative consumer report maybe obtained for employment purposes; (2) that the report may include informationon the consumer's character, general reputation, personal characteristics, and modeof living; (3) that identifies the name, mailing address, telephone number, and websiteaddress of the consumer reporting agency providing the report, and (4) that summarizesthe Consumer's rights under California CivilCode § 1786.22 (including that, if the Consumer provides proper identification, the Consumer may inspect our files about the Consumer by mail, by telephone, or in person, that we will provide the Consumer with trained personnel and explanation of any codes tohelp understand those files, and that another person who provides identificationmay accompany the Consumer, all for free).
The foregoing disclosures were not combined with anything else (such as an employmentapplication or a release of liability), other than the investigative-consumer-reportdisclosure described immediately below and the authorization described below.
If the Report is an investigative consumer reportunder the FCRA, the end-user has given theConsumer (1) a clear and accurate disclosure that an investigative consumer reportincluding information on the Consumer'scharacter, general reputation, personal characteristics, and mode of living,whichever are applicable, may be made, (2) a statement that that the Consumer has the right to obtain a complete and accurate disclosureof the scope and nature of the investigation performed; and (3) the ConsumerFinancial Protection Bureau's "A Summary of Your Rights under the Fair Credit Reporting Act"[see http://www.backgroundbiz.com/docs/Summary-of-Rights.pdf]. If the Consumer requests, the end-user will make a complete and accuratedisclosure of the nature and scope of the investigation and deliver that disclosureto the Consumer within five days.
The end-user has obtained the Consumer's writtenauthorization (which may be on the disclosure document) for the end-user to procurethe Report.
If California's Consumer Credit Reporting Agencies Act governs the Report, the end-user has given the Consumer a notice (1) that a credit report will be used, (2) that identifies the basis forrequesting the credit report under California Labor Code § 1024.5, (3) that identifiesthe consumer reporting agency providing the credit report, and (4) that has a boxthat the Consumer may check to request acopy of the credit report. If the Consumer checks the box, the end-user shall provide a copy of the credit report to theConsumer.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the end-user has given the Consumer a form with a box that the Consumer couldcheck to request a copy of the Report and.If the Consumer checked that box, the end-userwill send a copy of the Report to the Consumer within three business days after receiving the Report.
If Minnesota Statutes chapter 13C governs the Report,the end-user has given the Consumer a writtendisclosure that (1) accompanies any application for employment that the end-userprovided to the Consumer, (2) states thatthe end-user may obtain a consumer report, (3) states that the Consumer may obtain a complete and accurate disclosure of thenature and scope of the Report, and (4) includesa box that the Consumer may check to requesta copy of the Report. If the Consumer checked that box, the end-user will provide the Consumer a copy of the Report.
If New York's Fair Credit Reporting Act governs the Report,the end-user has given the Consumer writtendisclosure that the end-user will, upon the Consumer'srequest, inform the Consumer whether itrequested a consumer report and, if so, of the name and address of the consumer reportingagency that issued it. If the Consumer requeststhis information, the end-user will provide it in writing.
If Oklahoma Statute § 24-148 governs the Report,the end-user has given the Consumer a formwith a box that the Consumer may check torequest a copy of the Report. If the Consumer checked that box, the end-user will provide the Consumer a copy of the Report.
If the Report is an investigative consumer reportgoverned by Minnesota Statutes chapter 13C, the end-user has given the Consumer a written statement that the Report may include information obtained through personal interviews.
If the Report is an investigative consumer reportgoverned by the New York Fair Credit Reporting Act, the end-user gave the Consumer (1) a copy of Article 23-A of the New York CorrectionsLaw and (2) a written statement that, upon written request, the end-user will informthe Consumer whether it ordered an investigativeconsumer report and, if so, of the name and address of the consumer reporting agencythat provided the investigative consumer report. If the Consumer requests this information, the end-user will provide it in writing and will informthe Consumer in writing that the Consumer may inspect and receive a copy of the investigative consumerreport by contacting the consumer reporting agency.
If the Report is an investigative consumer reportgoverned by the New York Fair Credit Reporting Act, the end-user obtained theConsumer's written authorization to obtain an investigative consumer report.
If the report is governed by New York's Fair Credit Reporting Act and includes criminalconviction information, the end-user will provide the Consumer with a written copy of Article 23-A of the New York Corrections Law.
The end-user has (or will have timely) made any additional disclosures, offered any additionalinformation, and obtained any additional authorizations required by state law.
The end-user will provide the Consumer, beforetaking any adverse action based on information in the Report,with the Summary of Rights anda copy of the report it received.
The end-user will not take any adverse action based on information in the Report unless: (1) the end-user has given the Consumer a reasonable period after providing the notice describedabove (of at least 5 business days if the notice was mailed) in which to disputeor explain the information; (2) the Consumer has not disputed any information or that dispute has been resolved; (3) the end-userhas considered any explanation (including any evidence of rehabilitation) to theextent required by law; and (4) the information has a direct relationship to theConsumer's duties that is sufficient tosatisfy applicable law and Equal Employment Opportunity Commission guidance.
When the end-user takes adverse action based on information in the Report, the end-userwill give the Consumer oral, electronic,or written notice: (1) of the adverse action being taken; (2) of the name, mailingaddress, toll-free telephone number, and website address of the consumer reportingagency that provided the information (which is us unless your Resale Intent is CRA Resale or Conduit Resale); (3) that the consumerreporting agency did not make the decision to take the adverse action and is unableto provide the reasons why the adverse action was taken; (4) that the Consumer can obtain a free copy of a report on the Consumer by requesting one from the consumer reporting agencywithin 60 days; and (5) that the Consumer may dispute the accuracy or completeness of any information provided by the consumerreporting agency.
The end-user will inform the Consumer of thereason for any adverse action taken based on information in the Report when applicable law requires.
By ordering or receiving a Report for an End-user Purpose of Trucking,you certify the following:
The end-user is both (1) considering the Consumer as an applicant for a position regulated by either or both of (i) the federal departmentof transportation under a specific statute that allows the department to establishqualifications and maximum service hours for the trucking industry or (ii) a statetransportation agency and (2) has interacted with the Consumer only by mail, phone, computer, or similar means.
The end-user has given the Consumer an oral,written, or electronic notice that (1) a consumer report may be obtained for employmentpurpose; (2) the Consumer has the rightto obtain a free copy of any report that on which the end-user based adverse actionby requesting it from the consumer reporting agency that provided it within 60 days;and (3) the Consumer has the right to disputethe accuracy or completeness of any information in any report.
The end-user has obtained the Consumer's consent(orally, in writing, or electronically) to the end-user obtaining the report
If the Report is governed by the California InvestigativeConsumer Reporting Agencies Act, the end-user has also obtained the Consumer's written authorization to obtain the report.
If the Report is governed by the ColoradoConsumer Credit Reporting Act, the end-user has also (1) informed the Consumer that it may request a report and the Consumer consented in writing to that request.
If the Report is governed by the New JerseyFair Credit Reporting Act, the end-user has also given the Consumer clear, conspicuous, written disclosure (in a documentconsisting solely of the disclosure) that a consumer report or investigativeconsumer report may be obtained for employment purposes and the Consumer has authorized the end-user to obtain the report.
If California's Consumer Credit Reporting Agencies Act governs the Report, the end-user has given the Consumer a notice (1) that a credit report will be used, (2) that identifies the basisfor requesting the credit report under California Labor Code § 1024.5, (3) thatidentifies the consumer reporting agency providing the credit report, and (4)that has a box that the Consumer maycheck to request a copy of the credit report. If the Consumer checks the box, the end-user shall provide a copy of the credit report to theConsumer.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the end-user has given the Consumer a form with a box that the Consumer could check to request a copy of the Report and. If the Consumer checked that box,the end-user will send a copy of the Report to the Consumer within three businessdays after receiving the Report.
If Minnesota Statutes chapter 13C governs the Report,the end-user has given the Consumer a written disclosure that (1) accompanies any application for employment thatthe end-user provided to the Consumer,(2) states that the end-user may obtain a consumer report, (3) states that theConsumer may obtain a complete and accuratedisclosure of the nature and scope of the Report,and (4) includes a box that the Consumer may check to request a copy of the Report.If the Consumer checked that box, theend-user will provide the Consumer acopy of the Report.
If New York's Fair Credit Reporting Act governs the Report,the end-user has given the Consumer written disclosure that the end-user will, upon the Consumer'srequest, inform the Consumer whetherit requested a consumer report and, if so, of the name and address of the consumerreporting agency that issued it. If the Consumer requests this information, the end-user will provide it in writing.
If Oklahoma Statute § 24-148 governs the Report,the end-user has given the Consumer a form with a box that the Consumer may check to request a copy of the Report.If the Consumer checked that box, theend-user will provide the Consumer acopy of the Report.
If the Report is an investigative consumerreport governed by Minnesota Statutes chapter 13C, the end-user has given theConsumer a written statement that theReport may include information obtainedthrough personal interviews.
If the Report is an investigative consumerreport governed by the New York Fair Credit Reporting Act, the end-user gavethe Consumer (1) a copy of Article 23-Aof the New York Corrections Law and (2) a written statement that, upon writtenrequest, the end-user will inform the Consumer whether it ordered an investigative consumer report and, if so, of the name andaddress of the consumer reporting agency that provided the investigative consumerreport. If the Consumer requests thisinformation, the end-user will provide it in writing and will inform the Consumer in writing that the Consumer may inspect and receive a copy of the investigative consumer report by contactingthe consumer reporting agency.
If the Report is an investigative consumerreport governed by the New York Fair Credit Reporting Act, the end-user obtainedthe Consumer's written authorizationto obtain an investigative consumer report.
The end-user has (or will have timely) made any additional disclosures, offered anyadditional information, and obtained any additional authorizations required bylaw.
If the report is governed by the New Jersey Fair Credit Reporting Act, the end-userwill provide the Consumer, before takingany adverse action based on information in the Report,with the Summary of Rights and a copy of the report it received.
If the report is governed by the New Jersey Fair Credit Reporting Act, the end-userwill not take any adverse action based on information in the Report unless: (1) the end-user has given the Consumer a reasonable period after providing the notice describedabove (of at least 5 business days if the notice was mailed) in which to disputeor explain the information; and (2) the Consumer has not disputed any information or that dispute has been resolved.
The end-user will not take any adverse action based on information in the Report unless: (1) the end-user has considered any explanation(including any evidence of rehabilitation) to the extent required by law; and(2) the information has a direct relationship to the Consumer'sduties that is sufficient to satisfy applicable law and Equal Employment OpportunityCommission guidance.
Within three business days after taking adverse action based on information in theReport, the end-user will give theConsumer oral, written, or electronic notice: (1) that adverse action wastaken in whole or in part based on a consumer report received from a consumerreporting agency; (2) of the name, address, and phone number of the consumerreporting agency that issued the report; (3) that the consumer reportingagency did not make the decision to take the adverse action and is unableto provide the Consumer the specificreasons why the adverse action was taken; (4) that the Consumer may obtain a copy of the report on providingproper identification; and (5) that the Consumer may dispute the accuracy or completeness of any information provided by theconsumer reporting agency.
If the Consumer requests, the end-user will(within three days of the receiving the Consumer'srequest and proper identification) send or provide the Consumer a copy of a report and a copy of the Summary of Rights.
The end-user will inform the Consumer ofthe reason for the Adverse Action when applicable law requires.
By ordering or receiving a Report from us for anEnd-user Purpose of Volunteer Screening ,you certify the following:
The Report will be used only as a "consumer report"under the FCRA and only for screening currentor prospective volunteers of the end-user.
The Consumer has given the end-user writteninstructions to obtain a consumer report about the Consumer and the end-user will follow those instructions.
On our request within six years after the date of our Report,you will provide us a copy of the written instructions that the Consumer gave.
The end-user has determined that using a consumer report to screen volunteers is notusing a consumer report for "employment purposes" under the FCRA.
You are not relying on our guidance about whether using a consumer report to screen volunteersis using a consumer report for "employment purposes" under the FCRA.
You will protect us from all third-party (including governmental) claims that, or basedon the assertion that, using a Report to screen volunteers is using a consumer reportfor "employment purposes" under the FCRA.
The end-user will not use the Report for "employmentpurposes" under the FCRA, in connection witha current or prospective housing tenancy, in connection with the underwriting orextension of credit or insurance for personal, family, or household purposes, inconnection with a governmental license or benefit for which the government instrumentalityis required by law to consider financial responsibility or status, or in connectionwith a "firm offer of credit or insurance" under the FCRA or any other credit or insurance transaction not initiated by the Consumer.
The end-user will not use the Report in the courseof any of the business listed in section 4.10 of our Terms of Service.
If Vermont's law applies to the Report, the end-userhas obtained the Consumer's consent to obtainthat Report and will use the Report only for the purpose to which the Consumer consented.
If the Report is an investigative consumer reportgoverned by the New Jersey Fair Credit Reporting Act, the Consumer has given the end-user written permission to obtain an investigative consumer report.
If the Report is an investigative consumer reportgoverned by the New York Fair Credit Reporting Act, the end-user has given theConsumer a written statement that, upon written request, the end-user will informthe Consumer whether it ordered an investigativeconsumer report and, if so, of the name and address of the consumer reportingagency that issued it. If the Consumer requests this information, the end-user will provide it in writing and will informthe Consumer in writing that theConsumer may inspect and receive a copy of the Report by contacting the consumer reporting agency.
If you are ordering the Report for a Resale Intent of No Resale or Non-CRA Resale, the end-user willprovide a copy of the report with the notice of adverse action.
Report Certification for End-user Purpose of Tenant Screening
By ordering or receiving a Report for an End-user Purpose of Tenant Screening,you certify the following:
The Report will be used only as a "consumer report"under the FCRA and only for screening currentor prospective tenants of the end-user or its client whose property the end-usermanages.
Either (1) the Consumer has given written instructionsfor the end-user to obtain a consumer report and the end-user will follow those instructionsor (2) the Consumer initiated the businesstransaction.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the end-user has (or within three days after requestinga Report will have) notified the Consumer (1) that an investigative consumer reporting agency willmake an investigative consumer report about the Consumer'scharacter, general reputation, personal characteristics, and mode of living; (2)of the name, mailing address, website address, and toll-free telephone number ofthe consumer reporting agency; and (3) that the Consumer may inspect the consumer reporting agency's files about the Consumer by providing proper identification and the consumer reportingagency will provide the Consumer with trainedpersonnel and explanation of any codes to help understand those files.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the end-user has given the Consumer a form with a box that the Consumer maycheck to request a copy of the Report. Ifthe Consumer checked that box, the end-userwill send a copy of the Report to the Consumer within three business days after receiving the Report.
If New York's Fair Credit Reporting Act governs the Report,the end-user has given the Consumer a writtendisclosure that the end-user may obtain a consumer report on the Consumer and that the end-user will, upon the Consumer's request, inform the Consumer whether it requested a Report and, if so,of the name and address of the consumer reporting agency that issued the report.
If Vermont's law applies to the Report , the end-userhas obtained the Consumer's consent to obtainthat report and will use the Report only for the purpose to which the Consumer consented.
If the Report is an investigative consumer reportgoverned by the New Jersey Fair Credit Reporting Act, the Consumer gave the end-user written permission to obtain an investigative consumer report.
If California's Investigative Consumer Reporting Agencies Act governs the Report and, after obtaining the report, the end-user either denieshousing to the Consumer or increases thecharge for that housing, the end-user will inform the Consumer of the denial and of the name and address of the consumer reporting agency that issuedthe report.
Report Certification for End-user Purpose of Non-Tenant Credit
By ordering or receiving a Report for an End-user Purpose of Non-Tenant Credit,you certify the following:
The Report will be used only as a consumer report(1) in connection with a credit transaction involving the Consumer and involving the extension of credit to, or review or collection of an account of,the Consumer, (2) by a potential investoror servicer, or current insurer, in connection with a valuation of, or an assessmentof the credit or prepayment risks associated with, an existing credit obligationunless the report is governed by the New York Fair Credit Reporting Act, or (3) fora legitimate business need to review an account to determine whether the Consumer continues to meet the terms of the account.
The Report will not be used in connection witha "firm offer of credit " under the FCRA orany other credit transaction not initiated by the Consumer.
If the California Consumer Credit Reporting Agencies Act governs the Report, you acknowledge receipt of notice of your obligationsunder that act by reference to California Civil Code §§ 1785.1-1785.36.
If New York's Fair Credit Reporting Act governs the Report,the end-user gave the Consumer a writtendisclosure that the end-user may obtain a consumer report on the Consumer and that the end-user will, upon the Consumer's request, inform the Consumer whether it requested a Report and, if so,of the name and address of the consumer reporting agency that issued it.
If the Report is an investigative consumer reportgoverned by the New York Fair Credit Reporting Act, the end-user gave the Consumer a written statement that, upon written request, the end-userwill inform the Consumer whether it orderedan investigative consumer report and, if so, of the name and address of the consumerreporting agency that issued it. If the Consumer requests this information, the end-user will provide it in writing and will informthe Consumer in writing that the Consumer may inspect and receive a copy of the Report by contacting the consumer reporting agency.
Report Certification for End-user Purpose of Insurance Underwriting
By ordering or receiving a Report for an End-user Purpose of Insurance Underwriting,you certify the following:
The Report will be used only as a consumer reportfor determining the Consumer's eligibilityfor insurance or the rate for insurance.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the end-user either has given (at the time the applicationform, medical form, binder, or similar document is signed by the Consumer) or will give (no later than three days after requestingthe report) the Consumer a clear, conspicuous,and written disclosure: (1) that the end-user will obtain an investigative consumerreport about the Consumer's character, generalreputation, personal characteristics, and mode of living; (2) that states the name,mailing address, website address, and toll-free telephone number of the consumerreporting agency that issued the report; (3) of the nature and scope of the investigationto be performed; and (4) that the Consumer may inspect the consumer reporting agency's files about the Consumer by providing proper identification and the consumer reportingagency will provide the Consumer with trainedpersonnel and explanation of any codes to help understand those files.
If California's Investigative Consumer Reporting Agencies Act governs the Report and, after obtaining the Report,the end-user either denies insurance involving the subject for personal, family,or household purposes or increases the charge for that insurance, the end-user willinform the Consumer of the denial or increaseand of the name and address of the consumer reporting agency that issued it.
Report Certification for End-user Purpose of Government License or Benefit
By ordering or receiving a Report for an End-user Purpose of Government License or Benefit,you certify the following:
The Report will be used only as a consumer reportin connection with a determination of the consumer's eligibility for a license orother benefit granted by a governmental instrumentality required by law to consideran applicant's financial responsibility or status.
The end-user will not use the Report for "employmentpurposes" under the FCRA, in connection witha current or prospective housing tenancy, in connection with the underwriting orextension of credit or insurance for personal, family, or household purposes, orin connection with a "firm offer of credit or insurance" under the FCRA or any other credit or insurance transaction not initiatedby the Consumer.
If New York's Fair Credit Reporting Act governs the Report,the end-user gave the Consumer a writtendisclosure that the end-user may obtain a consumer report on the Consumer's request, inform the Consumer whether it requested a consumer report and, if so, of the name and address of theconsumer reporting agency that issued it. If the Consumer requests this information, the end-user will provide it in writing.
Report Certification for End-user Purpose of Other Consumer-Initiated Transaction
By ordering or receiving a Report for an End-user Purpose of Other Consumer-Initiated Transaction, you certify the following:
The end-user will use the Report only as a "consumerreport" under the FCRA and only for a legitimatebusiness purpose in connection with a business transaction initiated by the Consumer.
On our request within six years after the date of our Report,you will explain (in writing) the nature of the business transaction initiated bythe Consumer and provide documentation thatthe Consumer initiated it.
The end-user will not use the Report for "employmentpurposes" under the FCRA, in connection witha current or prospective housing tenancy, in connection with the underwriting orextension of credit or insurance for personal, family, or household purposes, inconnection with a governmental license or benefit for which the government instrumentalityis required by law to consider financial responsibility or status, or in connectionwith a "firm offer of credit or insurance" under the FCRA or any other insurance transaction not initiated by the Consumer.
The end-user is not a law firm or, unless the end-user is an individual ordering aReport about himself or herself, a lawyer or working for a law firm or lawyer.
Report Certification for End-user Purpose of Other Written Consent
By ordering or receiving a Report for an End-user Purpose of Other Written Consent,you certify the following:
The end-user will use the Report only as a "consumerreport" under the FCRA and only in accordancewith the written instructions of the Consumer.
Report Certification for End-user Purpose of Employee Misconduct Investigation
By ordering or receiving a Report for an End-user Purpose of Employee Misconduct Investigation, you certify the following:
The end-user is currently investigating either suspected misconduct relating to employmentor compliance with law, the rules of a "self-regulatory organization" as definedin the FCRA, or its pre-existing, written policiesas an employer.
If California's Investigative Consumer Reporting Agencies Act governs the Report, the Consumer is the subject of the investigation.
If Minnesota States chapter 13C governs the Report,the investigation is into either (1) a current violation of a criminal or civil statuteby a current employee or (2) employee conduct for which the employer may be liable.
The Report is not governed by New Jersey's FairCredit Reporting Act or New York's Fair Credit Reporting Act.
The end-user will not request a credit report as part of a Report if the Report will be governed by Californiaor Vermont law.
The end-user is not investigating the Consumer'scredit worthiness, credit standing, or credit capacity, even if that is relevantto its investigation.
The end-user will not give the Report to anyoneexcept (1) its employees and other agents, (2) an officer, agency, or departmentof any federal, state, or local government, (3) a "self-regulatory organization"as defined in the FCRA with regulatory authorityover it or its employee who is being investigated; or (4) as required by law.
If the end-user takes Adverse Action based on the Report,the end-user will promptly disclose to the Consumer a summary of the nature and substance of the Report,except that the end-user need not disclose the sources of information for any partof the Report that is an investigative consumerreport.
Report Certification for End-user Purpose of Non-FCRA
By ordering or receiving a Report for an End-user Purpose of Non-FCRA,you certify the following:
You have thoroughly educated yourself about when information is a "consumer report" andabout our services.
You understand that we do not intend to give you access to any of our database servicesbecause they may contain information collected, assembled, and evaluated for purposesregulated by the FCRA.
If you obtain access to any database of information through us, you will immediatelycease use of our services and contact our client relations group for assistance.
The end-user will not use any information from the Report for any purpose that the FCRA governs.
Given the end-user's use of information from the Report,the FCRA does not govern the Report.
If you have had any uncertainty about whether the FCRA governs our Report, you obtained the writtenopinion of a licensed attorney that the FCRA does not govern our Report.
The reason that the FCRA does not govern ourReport is not because FCRA § 603(o) [15 U.S.C. § 1681a(o)] or FCRA § 603(y) [15U.S.C. § 1681a(y)] describes our Report.
We have expressed no opinion that the FCRA doesnot govern our Report.
You are not relying on our guidance about whether the FCRA governs the Report.
You will protect us from all third-party (including governmental) claims that, or basedon the assertion that, the FCRA does governthe Report.