SmartScreen Privacy Statement
SmartScreen is firmly committed to respecting the consumer's right to privacy and has created this privacy statement to demonstrate our commitment.
Last updated January 12, 2012.
The lnformation We Collect from You
SmartScreen, a service of ClearScreening, allows you to provide third party access to your credit report, public record information, and related information ("Consumer Report Information") conveniently and affordably through our Web site. We collect your personal information only if you decide to provide third party access to your Credit Information. 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 requested to pay for a third party's access to your Credit Information, 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 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
ClearScreening 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.
How We Use and Share Your Personal lnformation
Personal information that is shared with Third Parties will be monitored in accordance with our security and confidentiality policies. If you prefer not to receive promotional information, you may indicate your preference by contacting SmartScreen when you register, place an order or update your account information, and ClearScreening will not send you any promotional materials.
For SmartScreen Landlords that are requested to pay for a third party's access to your Credit lnformation, we will email you a receipt of your purchase. Additionally, the SmartScreen service will facilitate communication between you and the third party you agree to provide access to your Credit lnformation -this communication will be provided both through the SmartScreen Site and through emails. These emails are part of the SmartScreen product and cannot be disabled.
When you agree to share your Credit Information, ClearScreening will share that information to identified third parties. ClearScreening must also share some of your personal information with third parties in order to process your transaction. For example, ClearScreening 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.
ClearScreening 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 ClearScreening, 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 ClearScreening and with the understanding that such professionals will abide by our security and confidentiality policies.
The Collection of Anonymous Data
In order to enhance the usefulness of our Web site and our products and services, ClearScreening 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 SmartScreen 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.
Updating Your Personal Information
You can correct or update at any time the personal information that you provided and that we
maintain on you by accessing the SmartScreen Web site and selecting "Account Preferences"
from the Main Menu. ClearScreening 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.
Notification of Changes to this Privacy Statement
ClearScreening 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 SmartScreen website. 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.
opportunity to inform the acquirer that you do not consent to the use or disclosure by the
acquirer of your personal information in accordance with such new or revised privacy
ClearScreening uses "cookies," which are pieces of information that a Web site transfers to your
computer's hard disk for record keeping purposes, to facilitate your access to our products and
Web sites other than the SmartScreen Website. If you would like more information about cookies,
you can visit http://www.cookiecentral.com/n cookie faq.htm. ClearScreening 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.
Links to Other Web Sites
Some pages on the SmartScreen Web site may contain links to other web sites. Please note that
when you click on one of these links, you are moving to another Web site. We encourage you to
Policy Regarding Children
We define children as individuals under the age of 18. 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.