TransUnion Interactive Privacy Statement
TransUnion Interactive is firmly committed to respecting the consumer's right to privacy
and has created this privacy statement to demonstrate our commitment.
Last updated August 17, 2010.
The Information We Collect from You
TransUnion Interactive allows you to access your credit report and related information conveniently and affordably through our Web site. We collect your personal information only if you decide to purchase one of our products or services, participate in our affiliate program, subscribe to our emails or newsletter, participate in one of our contests or surveys or transact other business with us. In order to process your transactions and provide you with quality customer service, we need your full name and current and/or billing address, your email address (so we can contact you) and, if you purchase one of our products or services, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address information, employment information, and certain credit card and loan account information. We use such personal information to authenticate the credit card number and to confirm that the person requesting your credit report really is you and not an impostor or other person improperly seeking to access your information.
What Security Measures We Take
TransUnion Interactive takes precautions to secure your personal information. If and when we ask you to provide your personal information, we will do so through a Web page that uses the Secure Sockets Layer (SSL) protocol. This protocol provides security for your information by encrypting it as it travels from your computer to our computer. For security purposes we then move all of the personal information that we collect or obtain about you, including your credit report, to an environment on our proprietary network that has controls in place to limit access to and secure the data maintained therein. For more information about our security practices, please review our Security Policy at http://tui.transunion.com/policy/security.jsp.
How We Use and Share Your Personal Information
If you indicate to us that you are interested in receiving information regarding other products
and services your name and e-mail address may be shared with a third party in order to present
these offers to you. Personal information that is shared with these entities will be monitored in
accordance with our security and confidentiality policies. If you prefer not to receive such
information, you may indicate your preference by marking the appropriate box when you register,
place an order or update your account information, and TransUnion Interactive will not send you any promotional
As a service to you, we will email you a receipt of your purchase. Some of our membership products, such as Credit Monitoring, may also include alert emails that are sent on a daily, weekly or monthly basis. These emails are part of the membership benefits and cannot be disabled for persons who are members of these products.
When you order a credit report or other product or service, TransUnion Interactive must share some of your personal information with third parties in order to process your transaction. For example, TransUnion Interactive must share your name, address and social security number with one or more of the major credit reporting agencies in order to obtain your requested credit report, and must share your name, address and credit card account number with our credit card processing partner in order to process your payment. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.
If you indicated to us when you registered, placed an order or updated your account that you were interested in receiving information about products and services provided by TransUnion Interactive and its marketing partners, your name and email address may be shared with a third party in order to present these offers to you. These entities are only allowed to use shared information for the intended purpose only and will be monitored in accordance with our security and confidentiality policies. In the event you indicate that you want to receive offers from TransUnion Interactive and its marketing partners, your information may be used to serve relevant ads to you when you visit the site.
TransUnion Interactive also may disclose your personal information to third parties in the good faith belief that such action is necessary in order to comply with, or be responsive to, legal process served on us (such as a subpoena), or if we believe such disclosure is necessary to protect and defend the rights, property or safety of TransUnion Interactive, our users or others. In addition, we may disclose your personal information to consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to TransUnion Interactive and with the understanding that such professionals will abide by our security and confidentiality policies.
In the event that you unsubscribe from email communications, we may share your email address with our compliance agents or approved marketing partners to prevent you from receiving additional offers.
The Collection of Anonymous Data
In order to enhance the usefulness of our Web site and our products and services, TransUnion Interactive will collect data about our customers' use of our Web site, in a manner that does not include any personally identifiable information. While you browse the TransUnion Interactive Web site, we note which pages of our site you visit and note the IP address of your computer (as all Web sites do automatically), but we do not link that address information to your personal information. The general information we gather enables us to serve our customers better by continually enhancing our site based on up-to-date use patterns.
We are provided anonymous information collected from other websites on which we display advertisements that enables us to understand how visitors to our site, who were exposed to ads we have placed on those other websites, interact with our site. We may use this information to enhance or modify our campaigns that are designed to bring web visitors to our site. You may opt-out of this anonymous data collection and sharing activity by visiting the Google Analytics Privacy Overview web page and following the procedures noted under the Browser Opt-Out and Privacy Center information sections (search for these sites through www.google.com).
Information Regarding Your Subscription
We may use information about your Credit Monitoring subscription, such as your usage patterns, to customize your web site and/or customer service experience.
Updating Your Personal Information and Email Preferences
You can correct or update at any time the personal information that you provided and that we maintain on you by accessing the TransUnion Interactive Web site and selecting "Account Preferences" from the Main Menu. You can also indicate your preference not to receive promotional email from this screen. TransUnion Interactive is not responsible for and cannot amend the information in your credit report, which is produced by one or more credit reporting agencies. If you believe that some of the information in your credit report is inaccurate, you must contact the applicable credit reporting agency directly. Information on how to contact the credit reporting agency will be contained in the credit report that you receive if you purchase. In addition, Information about how to contact the three major credit reporting agencies is available under "Disputing Your Credit Information" on our Web site at http://tui.transunion.com/help/handlingInaccuracies.jsp.
You may sign up for our free newsletter in a variety of ways. You may opt-in during the ordering process by leaving the opt-in box selected that states "YES, I want helpful tips and exclusive discounts from TransUnion right in my inbox. Sign me up for news and special offers from TransUnion and trusted partners. You may unsubscribe at any time. Please allow 48 hours to process. " You may also have opted in at the Account Preferences section of the site or when you visited or exited TransUnion.com, AnnualCreditReport.com or through alert or other operational emails you received as a member and proceeded to the Newsletter sign-up page with the same opt-in language. You can opt-out of receiving the email by responding to the newsletter and asking to be unsubscribed, or calling our customer service department and asking to be taken off the list. If you signed up for our newsletter by selecting the special offers opt-in box during the ordering process, you may unsubscribe through the above two processes, or you may go to tui.transunion.com log-in as a member, click on the "Account Preferences" link, and de-select the special offers opt-in box.
Notification of Changes to this Privacy Statement
TransUnion Interactive may amend this Privacy Statement at any time, but will notify users in advance of any material change, by posting a notice of the change in a prominent position on the home page of the TransUnion Interactive Web site. If the amendment would permit us to share your personal information with third parties in a manner materially different than described in this Privacy Statement, unless required by law or court order or in order to safeguard the operations of our site or our customers, you will be given an opportunity to inform us that you do not consent to such sharing of your personal information.
If you would like at any time to review our then-current Privacy Statement, please visit http://tui.transunion.com/policy/privacy.jsp.
TransUnion Interactive uses two different types of cookies. One type of cookie is used so that our site "recognizes" you each time you return using the same computer, and you do not have to re-enter all your personal information on each visit. You can set your Web browser to refuse to accept this cookie, or delete this type of cookie from your hard drive, and still access our products and services, as long as you re-enter information each time you visit. The second type of cookie is needed so that we can process each step of your transactions with us. If you refuse to accept this type of cookie, you will not be able to access our products and services. Most Web browsers automatically delete this type of cookie when you terminate your session.
We may use third-party advertising companies to serve ads on our site or on other sites which we use for advertising. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness; and they are not authorized to use the information we share with them for any other purpose. Any information that these third parties collect via cookies and action tags is completely anonymous. If you would like more information about this practice and your choices, click here.
Links to Other Web Sites
If a user elects to use our referral service for informing a friend about our site, we ask them for the friend's name and email address. TransUnion Interactive will automatically send the friend a one-time email inviting them to visit the site. TransUnion Interactive does not store this information; it is used for the sole purpose of sending this one-time email.
Policy Regarding Children
We define children as individuals under the age of 16. Our Web Site is not intended for the use of children and we do not intend to collect information about children through our Web Site. You must be at least 18 to access any products through this website or become a member of any membership program entitled to membership benefits.
TrueCredit is a trade name of TransUnion Interactive, Inc., a Delaware corporation based in San Luis Obispo, California.