True ID Pro combines multiple layers of protection and goes beyond basic credit monitoring for 360 degrees of identity defense. We offer comprehensive protection that reviews your credit and non-credit identity records to protect your identity. Protecting our subscriber’s privacy is at the forefront of True ID Pro.
If you are visiting our Site from a country in the European Union (EU), please also refer to the section relating to this below.
2. WHAT INFORMATION DO WE COLLECT AND WHY?
We may collect personal information from which you can be identified, such as your name, date of birth, postal and e-mail address, phone number, national identifier or social security number (as applicable) and credit card details.
We will use this data to access and monitor various data sets that you request us to monitor as part of your identity protection service and for the prevention and detection of fraud. When you close your account, we may continue to share information about you according to our legal and regulatory requirements.
We will use the information you provide us solely for the purpose of providing you with the products and services you have requested and for administering our relationship with you, internal business purposes, our product or service development and/or statistical analysis.
In some instances, we may ask information from you about others (such as your child’s information). We will only use that information for the specific reason for which it was provided to us.
3. DO WE DISCLOSE OR SHARE YOUR INFORMATION?
For us to provide you with our identity protection service and for the prevention and detection of fraud, we will share your personal information with third parties who perform services on our behalf. Depending on the service you have requested, we may share your name, e-mail address, national identifier or social security number (as applicable), income, account balances, payment history and credit history with credit bureaus. We will also share your billing information with a credit card processing company in order to bill you for goods and services. These companies are authorized to use your personal information only as necessary to provide these services to us.
In certain situations, TRUE ID PRO may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
As may be required by law, we may also disclose your personal information, for example, to comply with a subpoena, or similar legal process, when we believe in good faith that the disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
In addition, in the event of a merger, acquisition, or any form of sale of some or all of our assets to a third party, we may also disclose your personal information to the third parties concerned or their professional advisors. In the event of such a transaction, the personal information held by TRUE ID PRO will be among the assets transferred to the buyer.
4. IS YOUR INFORMATION SECURE?
We have appropriate physical, technical and organizational measures in place to protect your data when held by TRUE ID PRO that comply with relevant legal and best practice requirements. When you enter sensitive information (such as a credit card, social security number or login credentials) as part of the enrollment process, we encrypt the transmission of that information using secure socket layer technology (SSL).
When you submit information to TRUE ID PRO through the relevant portal or web site, you should be aware that your information is transmitted across the Internet and that 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.
5. INFORMATION RELATED TO DATA COLLECTED FOR OUR CLIENTS
In some cases, TRUE ID PRO resells its services through its third party commercial clients (“Clients”). Accordingly, TRUE ID PRO typically does not have a direct relationship with the individuals whose personal data it processes when TRUE ID PRO acts as a wholesaler of its services. If you are a customer of one of our Clients and would no longer like to be contacted by one of our Clients that resells our services, please contact the specific Client that you interact with directly. We may transfer your personal information to the applicable Client that resells our services and also to third parties who perform the services on our behalf or help us provide our services.
An individual who seeks access, or who seeks to correct, amend, or delete enrollment data should direct his or her query to TRUE ID PRO’s Client. If requested to edit enrollment data by our Client, we will respond within 30 days. In some cases, we will edit enrollment data on behalf of our Clients. When managing choice options on behalf of our Clients, we will also respond to any requests within 30 days. We will retain personal data we process on behalf of our Clients for as long as needed to provide services to our Client. TRUE ID PRO will retain this personal information for so long as necessary to comply with our legal and audit obligations, to resolve disputes and to enforce our agreements.
6. WILL WE SEND YOU OFFERS OF OTHER TRUE ID PRO PRODUCTS AND SERVICES?
Our range of identity protection products and services is constantly evolving to match the increasingly sophisticated market in which we operate. We will not send you details of other TRUE ID PRO products or services or those of any reputable third parties without your prior consent and you can change your mind at any time by contacting us. In the limited instances we send you promotional or other informational communications, you may opt-out of receiving them by following the instructions included in each communication, by e-mailing us at the e-mail address provided below or by contacting us through one of the methods listed below.
7. ARE YOU VISITING OUR WEB SITE FROM A COUNTRY IN THE EUROPEAN UNION (E.U.)?
TRUE ID PRO, based in the United States, maintains servers in both the United States. If you are visiting our web site from outside the United States, your personal information, may be transferred to, stored, and/or processed in the United States. If your personal information enters our servers in the United States, TRUE ID PRO will protect your data in accordance with the Privacy Shield Principles outlined below.
The United States Department of Commerce and the European Commission have agreed on a set of data protection principles and frequently asked questions (the “Privacy Shield Principles”) to enable U.S. companies, such as TRUE ID PRO, to satisfy the requirement under European Union law that adequate protection be given to personal information transferred from the E.U. to the United States.
TRUE ID PRO is responsible for the processing of personal data it receives, under the Privacy Shield Framework, and subsequently transfers to a third party acting as an agent on its behalf. TRUE ID PRO complies with the Privacy Shield Principles for all onward transfers of personal data from the EU, including the onward transfer liability provisions.
With respect to personal data received or transferred pursuant to the Privacy Shield Framework, TRUE ID PRO is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, TRUE ID PRO may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
Under certain conditions, more fully described on the Privacy Shield website, you may invoke binding arbitration when other dispute resolution procedures have been exhausted.
Upon request, TRUE ID PRO will provide you with information about whether we hold, or process on behalf of a third party, any of your personal information. To request this information, please contact us at privacy@TrueIDPro.com.
You may access, correct, or request deletion of your personal information by logging in to your account, contacting us at privacy@TrueIDPro.com.We will respond to these requests within a reasonable timeframe.
We may retain your information for as long as your account is active or as needed to provide you services, comply with our legal and audit obligations, resolve disputes and enforce our agreements.
We may combine the information we have automatically collected from you with other information we collect about you. We do this to improve services we offer you, to improve, analytics, or web site functionality, and to develop new products and services. The following are some examples of information we may collect:
·TRUE ID PRO Web site pages you view
·Emails that you open or forward
·Links you click on
·Forms you complete
In connection with the use of the Site, for example during the enrollment process or upon log into the web site portal, information about your computer, such as the device ID and other accompanying technical attributes and characteristics, may be accessed, retained and used by us or our service provider solely to analyze trends, track users’ movements on the web site, and to gather demographic information about the user base as a whole. If you access the Site through a mobile device, we also may collect information about your device, such as the device ID or another identifier as permitted by the manufacturer.
We, and the third parties we engage to perform analytics services, use both session ID cookies and persistent cookies. Specifically, we use session-based cookies in order to store language and other country specific preferences such as support contact information. TRUE ID PRO may also utilize cookies in order to track internal metrics of site usage. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the web site.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you.
Third parties with whom we partner to provide certain features on our website also use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.
9. LINKS TO OTHER WEB SITES
10. SOCIAL MEDIA WIDGETS
TRUE ID PRO
Attn: Legal Department
5913 Pleasant Ave S. Suite 100
Minneapolis, MN 55419
Effective Date: January 9, 2018
You have numerous rights under the FCRA, including the right to dispute inaccurate information in your credit report(s). Consumer reporting agencies are required to investigate and respond to your dispute, but are not obligated to change or remove accurate information that is reported in compliance with applicable law. While this plan can provide you assistance in filing a dispute, the FCRA allows you to file a dispute for free with a consumer reporting agency without the assistance of a third party.
*VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes.