OUR COMMITMENT TO YOUR PRIVACY

Last updated: February 23rd, 2009

We understand how important your privacy is to you, so we are committed to assuring your privacy. This notice outlines the steps we take to protect your privacy and what we do with your information that you provide to us through our web site. Please take a moment to review this privacy notice and feel free to contact us with any questions at privacy@creditreportsandscores.com.

WHAT TYPES OF INFORMATION DO WE COLLECT ABOUT YOU?

We will collect and use personal information about you to respond to your request for services offered through our web site. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you.

The information we collect may be from the following sources:

• Information provided by you when registering for a credit score, credit report or monitoring product offered through our web site. For example, you will be required to submit personal information such as your name, address, Social Security number, and date of birth to verify your identity prior to establishing your membership or providing you with your credit report and score.
• Billing information, such as a credit card number, is required to process the payment for the products you order from us.
• Other information we collect, such as your e-mail address and telephone number so we may communicate with you.
• Information you provide us in response to communications from us.
• Information you provide us through customer service correspondence and general feedback.

We will also collect certain information arising out of your use of our web site, or augment the data we collect with other information from other online or offline sources. We reserve the right to collect information about you and store it in connection with other online or offline information we may possess or obtain about you.

Corrections or updates to your information including your phone number, mailing address, credit card information, or password can be made through the My Account section of your account. If necessary, other corrections or updates to your information can be made by contacting a customer service representative at 866-974-6188. For your protection, our customer service representatives may request supporting documents before making any changes or updates to your membership information.

DO WE SHARE INFORMATION WITH THIRD PARTIES?

We may share information about you with affiliated and non-affiliated third parties when you register for our credit report(s) and score(s) and credit monitoring services.

Credit Reporting Companies - We may disclose the personal information you provide to us to the entities from which we obtain your credit reports and scores and through which your credit is monitored as necessary to fulfill your request to us for services. These entities may include First Advantage First Advantage Membership Services, Inc.'s ("FAMS") and First Advantage Credco, LLC's ("Credco"), Experian, Trans Union and Equifax. These credit reporting companies may use the information we share with them as permitted or required by applicable law, such as the Fair Credit Reporting Act (FCRA) or Gramm-Leach-Bliley Act (GLBA).

Vendors - We sometimes disclose the information we collect to companies that operate various services for us such as marketing, distribution, advertising, or certain product functionalities.

Transferability of Information - In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or portion of our assets, your personally identifiable information will likely be among the assets transferred. For more information, please refer to the section labeled "Privacy Notice Changes," below.

As Permitted by Law - We may share your non-public personal information with non-affiliated third parties as permitted by law. We may also be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms and Conditions, or as otherwise required by law.

We may disclose the information that we collect to our affiliated companies from time to time for marketing purposes and to enhance our services to better suit your needs. When identifying methods of improving our services or if we think a product or service may be of interest to you, we may extend select special offers of products or services to you.

Our web site may from time to time contain links for other offers and products that we feel you may have an interest in. We believe these sites share a similar commitment to consumer privacy and urge you to review their privacy policy when visiting their sites. We cannot, however, be responsible for their privacy practices.

COOKIES AND WEB BUGS

We sometimes collect non-identifiable information from visits to our Web sites to help us provide better customer service. For example, we keep track of the domains from which people visit, and we also measure visitor activity on theCreditReportsandScores.com web site, but we do so in ways that keep our visitors' identities anonymous. We may use this data to analyze trends and statistics and to help us provide better customer service.

We collect the information we mentioned in the previous paragraphs through the use of various technologies, including one called "cookies". A cookie is a piece of data that a Web site can send to your browser, which may then be stored on your computer as an anonymous tag that identifies your computer but not you. Some CreditReportsandScores.com pages use cookies, sent by CreditReportsandScores.com or its third party vendors, or other technologies to better serve you when you return to the Web site. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You also can set your browser to turn off cookies. If you do so, however, some Web sites may not work properly.

HOW DO WE PROTECT YOUR INFORMATION?

We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order to provide you the services you have requested from us. We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information.

We protect your information over the Internet by using a secure web server, which allows web browser programs ( e.g., Microsoft Internet Explorer or Firefox) to interact with our web server via an encrypted session. We employ a Secure Sockets Layer (SSL) connection that provides an encrypted connection between your computer and CreditReportsandScores.com. The encrypted connection scrambles ordinary text or data into cyphertext to safeguard sensitive information during its journey across the Internet. The information is decrypted, or put back into a readable format, when it reaches its intended destination. Depending on which browser you use, you will know you are in secured area by "https" or a lock appearing in your browser. When you visit our web site, you may move in and out of secured areas. Any time that you are on an order page or viewing your personal credit report, you will be in a secured area.

A SPECIAL NOTE REGARDING PEOPLE UNDER 18 YEARS OLD

Our web site is not intended for use by children, defined as individuals under the age of 18. We do not knowingly solicit personal information from children or send them requests for non-public personal information. Consumers under the age of 18 must not send any personal information to us-including but not limited to information such as name, address or e-mail address.

PRIVACY NOTICE CHANGES

We reserve the right to change this privacy notice at any time. You agree to obtain annual notices of, and changes to, this privacy notice electronically by visiting our web site. Therefore, we encourage you to review this web site from time to time to review changes to our privacy notice.