Privacy Policy
USAintel Corporation ("USAintel"), its parent, affiliates, divisions and/or subsidiaries ("Company") recognizes the importance of protecting the privacy of business information about you, its customers. Business information includes all of the business related identifying information that you provide to Company. Company is sensitive to your privacy interests and believes that protecting valuable business and/or financial information is one of Company's most significant responsibilities.
The policies outlined below describe Company's policies to protect your privacy.
Privacy Laws
The information accessible through the Web Site is governed by Title V of the Gramm-Leach-Bliley Act (15 U.S.C. §6801, et seq.), hereinafter called the "GLBA" as well as the Federal Fair Credit Reporting Act (15 U.S.C. §1681(b)) as amended by the Consumer Credit Reporting Reform Act of 1996, and as amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), hereinafter called the "FCRA."
The FCRA and the GLBA requires Company to implement a privacy policy and prohibits it from disclosing nonpublic personal information, personally identifiable consumer information or consumer credit information to nonaffiliated third parties except in certain limited situations and as otherwise set forth herein. In carrying out its legal responsibilities, Company enters into a contract with its service providers, vendors and customers to ensure that they will not disclose or use this information other than to carry out the purpose for which it was disclosed.
Use, Collection and Retention of Customer Information
Company collects, retains and uses information about its customers that is required by law to administer Company's business and provide high-level services to our clients. Company retains information no longer than necessary to meet such objectives. All information voluntarily submitted, becomes the property of Company, with such submission acknowledging and consenting to Company's authority to use, retain and/or provide customer's name, address or other information for advertising, promotional or other business purposes without further consideration, unless prohibited by law. Customers who do not want Company to use their business information for Company's marketing efforts, may opt out by informing Company of such in advance.
Maintenance of Accurate Information
Company has established procedures so that its customer's business and/or financial information is accurate, current and complete, in accordance with reasonable commercial standards. Any request to correct inaccurate information will be responded to within a timely manner.
Limiting Employee Access to Information
All Company employees are educated about the importance of privacy and confidentiality. Only those employees having a legitimate business reason for knowing a customer's business and/or financial information have access to such information.
Protection of Information via Established Security Procedures
Company maintains rigorous security standards and procedures regarding unauthorized access to customer information.
Restrictions on the Disclosure of Account Information
Company provides information about customer accounts or other business related identifiable data to third parties only when: 1) the information is provided to help complete a customer initiated transaction; 2) the customer requires it; 3) the disclosure is required by/or allowed by law; or 4) it is necessary to process transactions and provide services.
Maintaining Customer Privacy in Business Relationships with Third Parties
If it is necessary to provide business related identifiable customer information to a third party, Company shall insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.
Disclosure of Privacy Principles to Customers
Company's customers have the right to know what information is kept about them and how the information is used. Customers have the right to have any inaccurate information corrected or deleted.
Security Issues
If a customer or its customer should have a compelling privacy or security issue, such customer may contact the official custodians of the public records that contain sensitive information about such customer, to determine how to remove certain information from the public record. Such a process will help ensure that the information is not available from the public records custodian or any other information provider.
Laws & Notices
Following a public comment period, the Federal Trade Commission has issued final summaries of identity theft and general consumer rights and revised furnisher and user notices under the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act of 2003 (FACTA). Consumer reporting companies are required to notify consumers of their rights under FACTA and steps they can take to protect themselves against identity theft and difficulties resulting from identity theft.
The identity theft rights summary includes the major new identity theft rights granted to consumers by FACTA, including the right to place fraud alerts on their credit reports, to block businesses and credit bureaus from reporting information in their credit files that is a result of identity theft, and to obtain from businesses information about accounts or transactions in their name that result from identity theft. The identity theft rights summary will be provided by consumer reporting companies to consumers who contact the agencies because they believe they are victims of fraud or identity theft.
The general consumer rights summary includes, among other things, consumers' right to see their credit files and know when they have been used against them, to correct inaccuracies, and to opt-out of unsolicited offers. The summary also notes that, in addition to identity theft victims, active duty military personnel have additional rights under the FCRA and FACTA. This general summary of rights updates the current summary, which credit reporting companies provide to consumers with their credit reports. The furnisher and user notices explain to businesses their duties under the FCRA.
The FTC received 50 comments from individuals, businesses, and associations. In response to these comments, the Commission has made some changes to the proposed summaries and notices it issued in July 2004, including: (1) the addition of a Spanish-language statement at the top of the summary of rights indicating where Spanish-speaking consumers may go to obtain more information in Spanish; (2) clarification that a consumer must contact the nationwide consumer reporting companies to request that a fraud alert be placed on his or her credit file, and that the initial alert remains in a consumer's file for at least 90 days; and (3) clarification that a consumer may request that a consumer reporting company block any information, not just account information, in the consumer's file if the information is the result of identity theft.
The FTC vote to approve the final rule and the publication of the Federal Register notice was 5-0.
Summaries of Rights and Notices of Duties Under the FCRA & FACT Act: Publication of Final Guidance on
Model Disclosures
http://www.ftc.gov/os/2004/11/041119facta.pdf
Appendix E: Summary of Consumer Identity Theft Rights: Remedying the Effects of Identity Theft
http://www.ftc.gov/os/2004/11/041119factaappe.pdf
Appendix F: Summary of Consumer Rights Under the FCRA
http://www.ftc.gov/os/2004/11/041119factaappf.pdf
Appendix G: Notice to Furnishers of Information: Obligations of Furnishers Under the FCRA
http://www.ftc.gov/os/2004/11/041119factaappg.pdf
Appendix H: Notice to Users of Consumer Reports: Obligations of Users Under the FCRA
http://www.ftc.gov/os/2004/11/041119factaapph.pdf
FCRA
http://www.ftc.gov/os/statutes/031224fcra.pdf
GLBA
http://www.ftc.gov/privacy/glbact/glboutline.pdf
DPPA
http://www.nydmv.state.ny.us/forms/mv15dppa.pdf
ADA
http://www.sba.gov/ada/smbusgd.pdf
ECOA
http://www.nchelp.org/elibrary/Law/FederalLaws/CreditandInterestRelated/1C5-equal%20credit%20opportunity%20act.pdf
TILA
http://www.nchelp.org/elibrary/Law/FederalLaws/CreditandInterestRelated/1C6-Truth%20In%20Lending%20Act.pdf
Credit Reports for Collections Notice: New limitations on "permissible purpose" and use of Credit Reports for collections of delinquent child support, judgments, fines, liens, and medical debts
http://www.USAintel.com/pdfs/notification_march08.pdf
Legal Notice
The terms and conditions herein apply to USAintel Corporation ("USAintel"), its parent, affiliates, divisions and/or subsidiaries ("Company") and are in addition to and do not override the specific terms and conditions that apply to the products or services offered by Company and otherwise throughout this Web Site.
Warranty
INFORMATION AND PRODUCTS OR SERVICES OFFERED ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. IN NO EVENT SHALL COMPANY BE LIABLE TO ANY PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS WEB SITE OR ANY LINKED WEB SITE, INCLUDING WITHOUT LIMITATION, LOST PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, EVEN IF COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF WARRANTIES OR DAMAGES.
IN NO EVENT WILL COMPANY WARRANT OR GUARANTY THE CORRECTNESS, COMPREHENSIVENESS, COMPLETENESS, ACCURACY, TIMELINESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR USE OR PURPOSE OF ANY INFORMATION, PRODUCTS OR SERVICES ON THIS WEB SITE.
The information, products and services available on this Web Site may include technical inaccuracies or typographical errors. The information, products and services may be changed or updated without notice.
Links to Other Web Sites
For purposes of convenience, Company's Web Site may contain links to third party web sites. Company makes no representations, warranties or endorsements about any third party web site that may be accessed through links on this Web Site. When accessing a non-Company web site, please understand that Company has no control over the content or information at that site. By providing a link to third party web sites, Company does not endorse, adopt or otherwise accept any responsibility for the content or use of those web sites. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.
Link Policy
You are granted a limited, non-exclusive right to create a hypertext link to Company's Web Site, provided such link does not portray Company or its products and services in a false, misleading, derogatory or otherwise defamatory manner. This limited right may be revoked at any time in Company's sole discretion. You may not use, frame or utilize framing techniques to enclose any Company trademark, logo or other proprietary information, including the images found at this Web Site, the content of any text or the layout/design of any page or form contained on a page without Company's prior express written consent. Except as noted above, you are not conveyed any right or license by implication, estoppel or otherwise in or under any patent, trademark, copyright or proprietary right of Company or any third party.
Trademark
Company and the Company products referenced in this Web Site are either trademarks, service marks or registered trademarks of Company or its vendor. Other products and company names mentioned herein may be the trademarks of their respective owners. No use of any Company or other vendor trademark may be made by any third party without prior express written consent of the respective owner.
Software
The software, source code and methodology of delivering the services and products available through the Web Site are copyrighted by Company and protected by the copyright laws of the United States. Any unauthorized reproduction, reverse engineering and or redistribution of the software is punishable by law.
Confidentiality
Comments, suggestions or materials sent or transmitted to Company (collectively "Feedback") shall be deemed to be non-confidential. Subject to the conditions described on the privacy page of this Web Site, Company shall have no obligation of any kind with respect to such Feedback and shall be free to use and distribute the Feedback to others without limitation, including, but not limited to developing and marketing products incorporating such Feedback. |
