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CONSUMERINFO.COM PRIVACY POLICY


Effective Date: September 7th, 2023

Summary

Personal Information We Collect

How We Use Personal Information

How We Share Personal Information

Cookies, Tracking Technologies, and Targeted Advertising

Choices You Have

How You Can Update Your Personal Information

How We Secure Your Personal Information

Your U.S. Consumer Data Privacy Policy

Changes to This Policy

Contacting Us

Other Important Privacy Information


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SUMMARY

ConsumerInfo.com, Inc. and its subsidiaries (collectively, “we,” “us,” or “our”)
respects individual privacy and values the confidence of our subscribers and
consumers. We want you to be familiar with what information we collect about
you, how the information is used, and what choices you have regarding the
collection and use of your information. The privacy principles that we follow
concerning the collection, use, disclosure, and protection of information when
providing our products and services are consistent with relevant U.S. federal
and state laws.

This Privacy Policy (the “Policy”) applies to and describes our privacy
practices and principles in connection with our subscribers and consumers who
access our website or mobile applications. The Policy covers information that we
automatically collect directly from you when you interact with our websites and
mobile applications, and from third party sources.

By using our websites, mobile applications, and/or our products and services,
you signify your acknowledgement of this document and consent to the privacy
practices described in this Policy. You also agree to obtain annual notices and
changes to this Policy electronically by visiting our website.




PERSONAL INFORMATION WE COLLECT

Personal information is information that identifies you as an individual. The
personal information we collect depends on how you interact with us, and the
products or services you subscribe to. We collect personal information directly
from you through our websites, Application Program Interfaces (“APIs”), mobile
applications, and when you contact our customer service. We also collect
personal information from third party sources.

If you subscribe to our products or services, seek insurance quotes, or apply
for insurance, we collect the following information from you:

 * Your contact and identity information such as name, date of birth, postal
   address, e-mail address, phone number, driver’s license number, vehicle
   information, and Social Security number;
 * Information you provide for identity verification and/or to use features in
   our products or services. This may include your login, authentication,
   automobile, insurance underwriting, identification, biometrical, income,
   financial detail, and financial account information;
 * Your credit card or other payment account information when you purchase
   products and services from us;
 * Your children’s identity information when enrolling in our child identity
   protection products, such as your child’s name, date of birth, and Social
   Security number;
 * Your application, user registration, third-party account log-in credentials,
   policy, carrier, premium, claim, and accident report information when you
   apply for insurance products or services;
 * Information about the products and services you considered, obtained, or
   purchased in the past, and other consuming histories or tendencies;
 * Information you provide when you communicate with us via email, chat, text,
   paper correspondence, and telephone (including voice recordings as permitted
   by applicable law when you speak with our representatives);
 * Your general feedback, comments, content, or posts submitted to community
   forum(s) on our Site;
 * Device information such as publisher identifiers, web browser type, web
   browser plug-in details, operating system version, search engine referral,
   device type, and information collected through cookies.

Depending on the products and services that you subscribe to, we also obtain
information about you from others, such as:

 * Information from other Experian companies (“affiliates”), business partners,
   and third-party providers, such as credit, insurance underwriting, insurance
   claims, and other information that enables us to provide you products and
   services;
 * If you provide information that enables us to access data from your
   financial, insurance, and/or other accounts, we will obtain information from
   those accounts, including account details, individual payment transactions,
   deposits, withdrawals, and insurance information;
 * Information that you provide on a third-party website in order to subscribe
   to our products and services. Please see additional details about third-party
   websites under the ‘Other Important Privacy Information’ section below.




HOW WE USE PERSONAL INFORMATION

We use your personal information to:

 * Verify your identity and provide you the products and services you request.
   Depending on the information you provide and the products or services you
   select, your personal information is also used to provide you with identity
   protection services, enable applications for credit, loans, insurance, and to
   access and monitor information you’ve asked for;
 * Send credit, score, identity protection, and transactional alerts to the
   e-mail, mobile device, and/or phone number you provide;
 * Send important information to you relating to your account, the Site, our
   Terms and Conditions, and our policies.
 * Inform you of products, services, and promotions that may be of interest to
   you unless you have requested that we do not send you marketing and
   promotional communications;
 * Process payments for the products and services you purchase;
 * If applicable, to verify your children’s identity and provide products and
   services you request on behalf of your children;
 * Perform everyday business functions such as audits, detecting and preventing
   fraud, analysis, product improvements, research, development, and security;
 * Perform other services when you provide your consent, and we describe the
   service(s) to you. For example, we may request your information to:
   * monitor your financial accounts
   * offer features you request from companies that we partner with
   * obtain your account and transaction information
   * gain recurring access to your financial, utility, telecom, rental, or other
     service account(s)
   * obtain, use, and store your financial and service account information
   * optimize our targeted marketing service

Non-personal information is any information that does not reveal who you are,
does not identify you individually, and/or is about a collective group of Site
users. This includes information described under “Cookies, Tracking
Technologies, and Targeted Advertising”, and other information that does not
identify you such as general demographic, publicly available, derived, inferred,
or specifically expressed information from users of the Site. We may use this
information and share it with third parties for any purpose. However, if we
combine any non-personal information with your personal information such that it
reveals who you are, we will treat the information as personal information, as
long as it remains combined.




HOW WE SHARE PERSONAL INFORMATION

Affiliates: As a part of Experian, we share personal information with our
Experian affiliates for the purposes noted in this Policy. We do not share
personal information with our affiliates for their marketing purposes without
your consent.

We also share personal information with non-affiliated third parties as follows:

Business Partners: We share your personal information with companies that we
have partnered with to offer products that may be of interest to you. We also
share your information to provide you with products and services that you
request.

Service Providers: We share your personal information with third parties who
perform services on our behalf. We share information with these service
providers to provide the products and services that you request and for our
everyday business purposes. For example, we use service providers for billing,
communicating with our customers, detecting and preventing fraud, analysis,
product improvements, development, and to offer products that may be of interest
to you.

With Your Consent: We share your personal information with third parties you
expressly authorize, consent to, or direct us to share your information with.
For example, we share information when you request products or services offered
by lenders, insurance companies, and other companies that we partner with. We
also share information when you ask us to access data from your financial,
insurance, and/or other accounts through one or more of our third parties.

Legal Purposes: We share personal information with government entities and
others for lawful and necessary purposes, including responding to requests from
government entities or our regulators; to comply with subpoenas, law enforcement
requests, and other legal processes; to enforce our Terms and Conditions; and as
necessary to protect the rights, privacy, safety, or property of our customers,
ourselves, and others.

In the event of a merger, acquisition, sale, bankruptcy, or other disposition of
some or all our assets, we may share and/or transfer your personal information
to an affiliate or relevant third party.




COOKIES, TRACKING TECHNOLOGIES AND TARGETED ADVERTISING

By using the website, you agree to the use of technology that tracks how users
interact with our Site to ensure that the website is operating properly and to
optimize website functionality.

When you use our Site, we, our affiliates, our business partners, and
third-party service providers collect information about your devices and
interactions with our Site. The types of information collected and how that
information is used and/or shared depends on how you interact with our Site and,
in some cases, the choices you make. A variety of tools and technologies are
used to collect this information.

Information collected and the tools and technologies used for collection
include:

 * Device Information: The Site collects information about your devices and
   browsers, including types of operating systems, versions, preferences,
   settings, Internet Protocol (“IP”) addresses, and geolocation information. We
   and our third-party providers may also use location-identifying technologies
   and logging technologies to automatically collect information. If you access
   our Site using mobile devices, we collect information about your mobile
   devices, including device IDs, mobile network information, and geolocation
   information. This information is used for identity verification, track users’
   movements on our Site, to analyze trends, and gather demographic information
   about the Site’s users.
 * Server Logs: Logs are used to automatically record device information as well
   as your interactions with our Site such as what time of day you visited. In
   the event of a problem with our Site, information in the logs allow us to
   diagnose and the resolve problem.
 * Cookies: Cookies are small text files sent to your browser by a website you
   visit. The Site collects and uses session and persistent cookies. Cookies
   allow us to recognize your device and store information about your account
   and preferences. For example, we may use cookies to store information about
   pages visited on our sites, settings and preferences, or other information
   associated with visitors to our Site. Cookies also allow us to track internal
   metrics and enhance the experience of users of our Site.
 * Pixel tags: Pixel tags (i.e., web beacons, clear GIFs, pixels, or tags) are
   images or small strings of code placed on websites, advertisements, or within
   e-mails. These technologies collect information about your online activities
   over time and across different websites or online services. For example, the
   Site gathers user activities on our Site, links that users click on, pages
   viewed, URLs from which the user came from, and e-mails opened or forwarded.
   This information is used for Site tracking and administration (i.e., user
   movements, usage, performance, and improvements), enabling you to enroll and
   log-in to the Site, and for us to tailor and deliver custom content, develop
   new products and services, and for us to detect and prevent fraud.
 * SDKs and Advertising IDs: We use Software Development Kits ("SDKs") to
   collect mobile device information and general location. The SDKs track user
   movements, mobile application events, and user interactions. This information
   is used for identity verification and helps us improve our mobile
   applications for our customers. We also collect and use Advertising
   Identifiers ("Advertising IDs") that allow us to identify your mobile device
   over time, for advertising purposes.

Targeted Advertising: We, our affiliates, business partners, and third-party
service providers collect, use, and share information to develop and deliver
targeted advertisements online. These are ads that you may see across different
sites and devices over time. This marketing information includes information
such as your preferences and inferences based on your interactions with the
Site.

We also use service providers to help us perform advertising-related functions
such as measuring the effectiveness of our ads, managing how many times you may
see an ad, reporting on the performance of our ads, ensuring services are
working correctly and securely, providing aggregate statistics and analytics,
improving when and where you may see ads, and reduce ad fraud.




CHOICES YOU HAVE

You can use a range of tools to control the collection, usage, and sharing of
your information, and to make choices about receiving product and service
offers. Some browsers have incorporated "Do Not Track" (DNT) features that can
signal the websites you visit, indicating you do not wish to be tracked. Because
there is no common understanding of how to interpret the DNT signal, our
websites do not operate differently in response to browser DNT signals. If you
want to change your subscription options, you can do so through the membership
section of your account. If you wish to cancel your subscription, please contact
us.

Opt-outs:

 * E-mail: We may send you promotional or marketing e-mail communications
   containing information about other products and services offered by us or
   other third parties that we partner with. If you no longer wish to receive
   marketing or promotional e-mails from us, you may opt-out of receiving them
   by following the instructions included in the e-mails that we send you or
   opt-out in the profile section of your account. If you opt-out, we will
   continue to send you credit, score, identity protection, and transaction
   alerts via e-mail, andinformation related to the completion of your
   registration, correction of user data, change of password, and other similar
   communications essential to your transactions;
 * Push: We may send push notifications or alerts to your mobile device. You can
   deactivate push notifications and alerts at any time by deleting the app,
   changing your device settings, or changing the push notification settings
   within the app.
 * Text: If you consent, we may communicate with you via text (“SMS”) messages
   at the phone number you provide. You may later opt-out of receiving SMS
   messages by responding to any SMS with one of the following single-word
   commands: “STOP,” “QUIT,” “CANCEL,” “END,” or “UNSUBSCRIBE.”

Controls for Cookies, Tracking Technologies and Targeted Advertising:

 * Cookies: Most web browsers automatically accept cookies by default. You can
   use your browser settings to block, decline, or reject new cookies or delete
   existing ones. If you choose to block, decline, reject or delete cookies, it
   may prevent you from taking full advantage of our Site or prevent us from
   recognizing your device. These actions may impact settings, preferences and
   if you are a subscriber, how you log into your account.
 * E-mail Tracking: E-mail applications have settings that allow you to prevent
   the automatic downloading of images, which will disable tracking technologies
   in the email messages you read.
 * Targeted Advertising: Experian and many other companies participate in the
   Digital Advertising Alliance’s WebChoices Tool, which provides a simple way
   to opt-out of targeted advertising. To learn more about ad choices, or to opt
   out of targeted advertising, please visit the WebChoices Tool. In addition,
   you may also visit the Network Advertising Initiative's Opt-Out Tool. You can
   also enable a feature that limits the use of Advertising IDs, or you can
   reset the Advertising ID on your mobile device. These features do not block
   all advertisements to your device but can prevent relevant advertisements
   from appearing.

The controls listed above rely on information stored in unique browser cookies,
applications, or device identifiers, so your choices will apply only to the
specific browser, application, or device from which you apply the controls. You
will need to apply these controls separately on all your browsers, applications,
and devices.




HOW YOU CAN UPDATE YOUR PERSONAL INFORMATION

If you are a subscriber and the personal information that you provided to us
changes, you can make corrections or updates to your information, including your
email address, phone number, mailing address, credit card information, or
password reminder phrase, through the edit profile section of your account. You
may also make updates through one of the Membership Support options listed in
your account. For your protection, we may request supporting documents before
making any changes or updates to your membership information. We strongly urge
you to ensure that your information remains up to date.




HOW WE SECURE YOUR PERSONAL INFORMATION

We have appropriate physical, technical, and organizational measures, and tools
in place to protect your personal information against the loss, misuse, and
alteration of information that complies with relevant legal requirements and
best practices. When you enter sensitive information (such as a credit card,
Social Security number, or login credentials) into the Site, we encrypt the
transmission of that information using Secure Socket Layer (SSL) technology.

When you provide information through the Site, you should be aware that your
information may be transmitted across the Internet, and no method of
transmission over the Internet is 100% secure. Although we take reasonable
security measures to protect your information when we receive it, you also need
to ensure you take appropriate steps to protect your information. If you have
reason to believe that your interaction with us is no longer secure (for
example, if you feel that the security of any account you might have with us has
been compromised), please notify us of the problem as soon as possible by
contacting us.




YOUR U.S. CONSUMER DATA PRIVACY POLICY

ConsumerInfo.com, Inc. is a part of Experian. If you are a United States
consumer and would like to learn about Experian’s approach to privacy under U.S.
state privacy laws, inclusive of California Consumer Privacy Act, please visit
Experian’s U.S. Consumer Data Privacy Policy here.

Residents of certain U.S. states have rights with regard to personal
information, including but not limited to the following:

 1. The right to know and access certain personal information;
 2. The right to request that we delete the personal information we have
    collected from you;
 3. The right to opt out of the processing of your personal data for purposes
    of: targeted advertising, the sale of your personal data, or profiling;
 4. The right to correct inaccurate information we have collected from you; and
 5. The right to limit the use of sensitive personal information.

To exercise any of the above rights, please contact us using the following
information as further described below:

 * Online at consumerprivacy.experian.com
 * By phone at 1-833-210-4615
 * By mail at PO Box 703, Allen, TX 75013




CHANGES TO THIS POLICY

In the future, we may update this Policy to reflect changes to our information
practices.

You can determine when this Policy was last updated and the effective date of
this Policy by referring to the last revised date. We encourage you to
periodically review this page for the latest information on our privacy
practices and this Policy.




CONTACTING US

If you need assistance or have any questions about this Policy or our privacy
practices, please call us at 1-479-343-6239. If you are a subscriber, there are
additional ways for you to contact us provided in the Membership Support section
of your account.




OTHER IMPORTANT PRIVACY INFORMATION

Third-Party Websites, Links, and Social Media:

The Site may contain links to third-party websites. We have no control over, nor
are we responsible for the privacy practices of these linked websites or any
other third-party websites. Once you leave our Site, we cannot be responsible
for the protection and privacy of any information that you provide while
visiting a third-party website, and such websites are not governed by this
Policy. You should exercise caution and look at the privacy policy applicable to
the website in question. If you provide any personal information to a
third-party website to subscribe to our products or services, your transaction
will occur on the third-party website and will be controlled by the third-party
privacy policy unless otherwise noted.

Our Site also includes social media features, such as the Facebook and Twitter
buttons or interactive mini programs that run on our Site. These features may
collect your IP address, which page you are visiting on our Site, and may set a
cookie to enable the feature to function correctly. These features are either
hosted by a third party or hosted directly on our Site. Your interactions with
these features are governed by the social media provider’s privacy policy. This
Policy does not govern information provided to us on any of our social
media-branded pages or accounts. THIS POLICY DOES NOT ADDRESS THE PRIVACY
PRACTICES OF ANY THIRD PARTIES.

Children’s Privacy

The Site is not directed to individuals under the age of eighteen (18), and we
request that such individuals not provide personal information through the Site.
If you are under 18 years of age, you may browse our Site; however, you may not
provide personal information to us such as name, address, or email address, and
you may not register for, enroll in, and/or make product purchases.

For Former Customers

When you cancel your subscription or otherwise cease to be our customer, we may
continue to use and share your information as described in this Policy.

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