Innovis Data Solutions, Inc.
Effective Date: December 15, 2022
Scope of this Policy
Information Automatically Collected
When you visit our website, we may collect and store general Internet data, including your internet protocol (IP) address, device ID, domain name, browser type, date and time of access, which of our web pages you visited, the referring Uniform Resource Locator (URL), and how long you spend on each page. Your IP address is linked with the personal information that you provide on our website. We use this information for a number of purposes, such as for investigating security incidents, running analytics to understand usage, and compliance with security standards.
We also collect the following information and may share it with our vendors for information security and fraud detection and prevention purposes:Endpoint Device Characteristics
- Accept headers;
- Plugin details;
- Cookie value (specific first party cookie);
- Flash settings;
- HTML5 settings;
- Referrer headers;
- Screen resolution details;
- System fonts;
- Time zone;
- User agent;
- WebGL settings; and
- XFF headers.
- Length of text field inputs;
- Location of mouse pointer within the browser window;
- Modifier key details (e.g. CTRL, SHIFT);
- Timing and identification of focus and blur events;
- Timing and location of mouse clicks;
- Timing and location of touch events;
- Timing between keystrokes; and
- Window scroll position.
- Endpoint device characteristics noted above;
- Endpoint device interactions noted above;
- Application placement (e.g. login, transfer, checkout, etc.); and
- Custom application and/or business data to be considered in the risk model.
Consumers: If you are creating or updating an Innovis Personal Account, submitting a Fraud & Active Duty Alert, ordering an Innovis Credit Report, initiating a dispute, or requesting a Security Freeze or Block through our website, you may elect to provide personal information, such as your name, email address, phone number, address, date of birth, and Social Security Number, in order for us to process your request.
You can create a personal account through our website to order your Innovis Credit Report, initiate a dispute on your report if you believe information is incomplete or inaccurate, or submit certain other requests to us. When you log in to your account, you have the option of providing us with additional information during the online dispute which may be of a personal nature. Personal information you provide to us during the dispute process is within your discretion and will be used for the purpose of investigating your dispute and may be incorporated into our database and included in future Innovis Credit Reports.
Within different sections of this website, Innovis will use an authentication process to confirm your identity. Within the authentication process, we may ask you to select a phone number to send a passcode. We use your name and phone number to detect possible fraudulent activity. Your phone number will be sent to Innovis vendors to determine whether the phone number or service has been recently manipulated, which helps prevent hackers from using your phone number to gain access to your Innovis personal account or Innovis Credit Report. Additionally, your phone number will be sent to a vendor that will deliver the passcode to your phone. Our passcode delivery vendors maintain locations in the United States, England, Sweden, Belgium, Lithuania, the Netherlands, and Serbia. Your number may be stored at one of these locations for no more than 90 days. In order to prevent fraudulent activity, your name and phone number captured during this authentication process are used to alert Innovis or its customers of frequent passcode requests to the same phone number and other patterns of a suspicious nature. This also helps protect you from identity thieves attempting to open or gain access to several accounts in your name.
Authorized Representatives of Prospective or Current Business Customers: You may elect to share personal information, such as your name, email address, phone number, and any other personal information you choose to provide, by completing the form on the Request Product Information or Failsafe pages on our website. We use the information you send to us through these forms to respond to your inquiries or comments.
Website Data Collection
We may collect certain information passively through our website.
Choice and Online Tracking
We use session and persistent cookies to collect website usage data, improve our website and services, as well as your experience with our website. Cookies are small text files that a web server places on your computer or device when your browser accesses a website. Cookies store certain data specific to that website so this information is available to us later when the browser returns to our website. Some cookies are necessary to ensure our website functions properly and some enable us to deliver an individualized online services experience.
A session cookie enables certain features of a website, like browsing through different pages on our website without having to log into each page. A persistent cookie stays on your browser until you delete it manually or your browser deletes it based on the duration period contained within the persistent cookie's file. Innovis uses a persistent cookie to remember you as part of an optional “Remember this device” feature. Your participation in this feature is under your control.
Most web browsers give you a choice to modify your browser settings to decline some or all cookies. If you have opted to not accept any cookies, certain features of our website may not be accessible to you.
You control the personal information you send to us when using the services provided on our website.
Innovis may track your online activities over time at our website. We do not track your specific activities over time across third party websites. Other third parties may be conducting online tracking on our site. To learn more about the choices you have regarding online tracking, please visit these sites:http://www.aboutads.info/choices/
Do Not Track
Some browsers transmit "do not track" signals to the websites and other online services with which a user communicates. We currently do not take action in response to these signals.
Third-Party Links and Websites
You may be able to access third-party sites by clicking on hyperlinks from within our site. We are not responsible for the privacy policies or practices of any third-party sites, and if you visit those websites, we encourage you to review their respective privacy policies.
Information Sharing and Disclosure
When you initiate a dispute regarding your Innovis Credit Report, we may disclose the information you provide to the entity (data furnisher) that provided the disputed information to us and as permitted under the Fair Credit Reporting Act (FCRA).
Except as noted below, Innovis does not sell your personal information to third parties for their marketing purposes and, for that reason, cannot process requests to opt out of the sale of personal information. Innovis may provide certain personal information about you to its customers in connection with prescreened offers of credit or insurance, as permitted under the FCRA.
We may also disclose your personal information in the following scenarios:
- When required by law, subpoena or other legal process, when pertinent to judicial or governmental investigations or proceedings, or when necessary to protect our rights;
- When necessary to investigate, take action, or prevent suspected or actual illegal activities, fraud, or potential threats to safety or personal physical safety; and
- If our company or our assets are acquired or purchased by another company, that company will assume responsibility for the information collected through the website.
Access and Correction of Personal Information and Closing Your Personal Account
If you are a consumer, you may access and update personal information you have provided through our website or request that we close your Innovis personal account by contacting Innovis Consumer Assistance at the address or telephone number listed below.
Attn: Consumer Assistance
P.O. Box 530088
Atlanta, GA 30353-0088
Security and Confidentiality
Innovis strives to protect the personal information that we collect, maintain, and disclose through the use of reasonable administrative, physical, and technical safeguards. Personal information that you directly submit to us through this website is transmitted through transport layer security (TLS), which is a protocol for establishing a secure connection for transmission. Our security program is designed to: (1) ensure the security and confidentiality of personal information, (2) protect against any reasonably anticipated threats or hazards to the security or integrity of that information, and (3) protect against unauthorized access, alteration, and unlawful disclosure of that information.
In certain circumstances, Innovis may collect or ask that you disclose your Social Security Number. Innovis protects the confidentiality of personal information we collect, including Social Security Numbers. Accordingly, we prohibit the unlawful disclosure of personal information, including Social Security Numbers, and limit access to same. We dispose of such information by taking reasonable measures to protect against unauthorized access to or use of the information.
State Privacy Laws and Consumer Privacy Rights
Certain state laws, such as the California Consumer Privacy Act (CCPA) and Virginia Consumer Data Protection Act, may provide residents of those states with certain access, deletion, and other rights (generally referred to as “data subject access request” or DSAR rights) regarding their personal information held by certain businesses. These state laws also recognize that certain federal laws, such as the Fair Credit Reporting Act (FCRA) and Gramm-Leach-Bliley Act (GLBA), provide similar consumer protections and may exempt certain businesses subject to those laws. As a consumer reporting agency, Innovis is exempt from the consumer DSAR requirements under these state privacy laws, but your rights as a consumer are very similar under the FCRA:
You may interact with us in other than a consumer capacity. If you are an employee or other authorized representative of a prospective or current Innovis business customer, reside in California, and provide us with certain personal information through the forms on the Request Product Information or FailSafe pages on this website, please refer to these pages for more information on your CCPA rights.
Our website is not directed at children under the age of 13. If you are a parent or legal guardian of a minor and want to request the minor’s Innovis Credit Report, please visit our Learning Center to learn more.
Changes to this Policy
Point of Contact
Attn: Privacy Officer
250 E. Broad Street, Suite 2100
Columbus, OH 43215