Innovis Privacy Notice
Effective Date: August 23, 2022
Commitment to Privacy
Innovis Data Solutions, Inc. is a consumer reporting agency and is committed to respecting the privacy of consumers. This notice provides more information on our data privacy practices, including: (1) how we collect, use, disclose, store, and otherwise process the personal information of consumers as a consumer reporting agency and through the services we provide to our customers; and (2) how we collect, use, store, and otherwise process personal information collected through our website. In addition, this notice describes how consumers can access their Innovis Credit Report and correct or delete inaccurate or incomplete information in their Innovis Credit Report. This Privacy Notice is provided for informational purposes only and is not a contract.
How We Obtain Personal Information
Personal information, as used in this notice, means any information that relates to or can be used to identify an individual person, including name, physical address, date of birth, telephone number (landline and/or mobile), and Social Security number. Non-personal information includes information such as aggregated or anonymized information, or other information that does not reveal a consumer’s specific identity.
Innovis collects personal information about consumers from companies that offer and provide financial products or services to consumers, such as mortgage loans, motor vehicle loans, or credit cards, and from other creditors (“data furnishers”) as permitted under the Fair Credit Reporting Act (FCRA) and other applicable credit reporting and data privacy laws. We use that personal information to create consumer reports that indicate how consumers pay their bills to those data furnishers and that reflect the consumer’s credit history and behavior. A consumer report contains personal information about the subject consumer.
We also use personal information to provide other services to our customers, including for credit, receivables management, fraud prevention, and authentication purposes. We collect personal information sourced from and made publicly available by federal, state, or local governments. This includes information on Social Security numbers, court filings and findings, bankruptcy filings and records, and government-maintained watch and sanctions lists. We use this information to provide these other services to our customers and to review and respond to certain consumer disputes and requests.
We also collect personal information through our interactions with consumers, such as when consumers contact us by submitting a form through our website or call our customer assistance department. When consumers contact us to dispute information in their Innovis Credit Report or make other requests related to their Innovis Credit Report, the personal information provided by the consumer may be added to our database and used in future consumer reports and services to our customers.
We may also collect certain non-public information, such as Internet Protocol (IP) addresses, about visitors to our website, but we do not combine this information with personal information to personally identify any consumer. We may use IP addresses, for example, to calculate website usage levels, help diagnose problems with servers, and administer and maintain the website.
How We Use Personal Information
As a consumer reporting agency, Innovis sells consumer reports and personal information to customers with a permissible purpose to obtain this information under applicable credit reporting and data privacy laws.
In addition to providing consumer reports to our customers, Innovis uses personal information to support our business functions, such as maintaining data integrity and accuracy and for fraud prevention, information security, legal support, and statistical analysis. We also access personal information when contacted by consumers in order to authenticate and assist consumers regarding their Innovis Credit Reports.
Innovis does not engage in direct to consumer marketing activities. As such, we cannot process requests from consumers to opt-out of email and other direct to consumer marketing communications.
Disclosure of Personal Information to Third Parties
When data furnishers provide us with personal information, that information may be sent to our affiliates and third-party data vendors to improve the quality or accuracy of the personal information in consumer reports and other services that we provide to our customers.
When our customers provide us with personal information in order to access our services, that personal information may be sent to our affiliates, subcontractors, or third-party technology and data vendors that assist us in providing the services.
We also make certain services available to companies for resale to their customers. Those companies are called resellers. Innovis receives personal information from and provides services to resellers in the same way as customers; only resellers do not use our services for their own use. Instead, they pass the services along to their customers, who use the services for the same permitted purposes as Innovis-direct customers.
Disclosure of Personal Information for Legal, Safety, and Other Reasons
Innovis may be required to disclose personal information to third parties, such as government authorities or agencies, law enforcement agencies, or others. We may, for example, disclose personal information to third parties: (1) to comply with valid legal requirements, such as a law, regulation, search warrant, subpoena, court order, or other legal process; (2) in certain emergency cases, such as a physical threat to you or others, a threat to homeland security, or a threat to our system or network; (3) in cases in which we believe it is reasonably necessary to investigate or prevent harm, fraud, abuse, or illegal conduct; (4) to permit us to pursue available remedies or limit the damages we may sustain; or (5) for any other purposes permitted by applicable law or regulation.
Security Measures to Protect Personal Information
The security of personal information is important to Innovis. Innovis has adopted security measures to protect the confidentiality of the personal information we collect and maintain about consumers. Accordingly, we prohibit the unlawful disclosure of personal information and limit access to the same. We maintain an information security program that contains administrative, technical, and physical safeguards designed to protect the security and confidentiality of personal information from unauthorized disclosure in accordance with applicable credit reporting and data privacy laws and industry standards. We have implemented controls to ensure that access to personal information is limited to those employees, affiliates, and third parties who need to know such information to provide the services that our customers or consumers have requested or support our business functions.
Retention of Data and Disposal of Personal Information
Innovis retains personal information for as long as it is necessary for business purposes and to provide services to our customers. At the end of its retention lifecycle, personal information is destroyed or otherwise rendered inaccessible. Innovis takes reasonable measures to protect against unauthorized access to or use of personal information in connection with our disposal of such information.
Accuracy of Consumer Reports
Innovis follows reasonable procedures to ensure the accuracy of information in consumer reports, as required under section 607(b) of the FCRA.
Consumer Access and Correction Rights
Consumers can contact us to request copies of their Innovis Credit Report online, by mail, by phone, or in person. In order to protect the privacy of consumers, we require that consumers provide proper identification prior to disclosing Innovis Credit Reports. Under Section 611 of the FCRA, a consumer has the right to dispute inaccurate or incomplete information in a consumer report. We conduct a reinvestigation of the disputed information within 30 days of receipt of the dispute (45 days if the consumer provides additional information once the reinvestigation has begun). Results of the reinvestigation are sent to the consumer.
Opt Out of Prescreening
Under Section 604(c) of the FCRA, Innovis may share consumer reports in connection with any credit or insurance transaction that is not initiated by the consumer if the transaction consists of a firm offer of credit or insurance. This practice is known as prescreening. Section 604(e) of the FCRA gives consumers the right to opt out of prescreening. Consumers can opt out at www.optoutprescreen.com. The opt-out request is also sent to Equifax, Experian, and TransUnion. If a consumer has opted out and would later like to opt in, the consumer can request to opt in at www.optoutprescreen.com.
Our website is not directed at children. Innovis does not knowingly collect information directly from individuals under the age of 13. Consumers under the age of 18 should not send any personal information to Innovis.
Guardians of minor children, however, may contact Innovis and provide personal information regarding the minor child for the purpose of creating a file that can be frozen to prevent fraudulent activity against that minor child.
Innovis controls and operates this website from the United States. Our website and this Privacy Notice are not directed at residents of countries other than the United States and this website is not intended to subject Innovis to the laws or jurisdiction of any state, country, or territory other than that of the United States. We may limit the availability of this website, in whole or in part, to any person, geographic areas, or jurisdiction we choose at any time and in our sole discretion.
Changes to this Notice
We may periodically modify this Privacy Notice. If we make changes to this notice, we will post the revised notice and its effective date on this website. The effective date denotes the date that we last published this notice to our website. Use of the website after such changes have been posted constitutes your acceptance of the revised Privacy Notice. We encourage you to periodically check back to our website to review the current version of our Privacy Notice so you will always know how we collect, use, and share your personal information.
Questions Regarding Privacy Practices
For questions regarding this Privacy Notice or Innovis’ privacy practices, please contact:
Attn: Privacy Officer
250 E. Broad Street
Columbus, OH 43215
Note: Email communications may not be secure so please do not include sensitive information in your email correspondence with us.