Effective Date: July 06, 2020
Scope of this Policy
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
Information Automatically Collected
When you visit our website, we may automatically 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 investigating security incidents, running analytics to understand usage, and for compliance with security standards.
We also collect the following information and share it with our vendor 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;
- 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;
- Window scroll position.
- Endpoint device characteristics noted above;
- Endpoint device interactions noted above;
- Application placement (e.g. login, transfer, checkout, etc.);
- Custom application and/or business data to be considered in the risk model.
You may elect to share personal information with us by filling out the information on our Request Product Information page, such as name, email address, phone number, and any other personal information you choose to provide. We use information you send to us through the Request Product Information page to respond to your inquiries or comments.
If you are creating an Innovis Personal Account, submitting a Fraud & Active Duty Alert, ordering an Innovis Credit Report, or requesting a Security Freeze through our site, 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.
If you order your Innovis Credit Report, you can create a personal account which will allow you to initiate a dispute on your report if you believe information is incomplete or inaccurate. By doing so, when you log in, 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 may be incorporated into our database and used on future reports. The additional information you provide to us is within your discretion and will be used for the purpose of investigating your dispute. If you forget the password to your personal account, we may ask you to select a phone number to send a passcode. In this process, 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 prevents hackers from using your phone number to gain access to your account. Additionally, your phone number will be sent to a vendor that will deliver the passcode to your phone. This vendor has locations in the United States and one in the Netherlands, where your number will be stored at one of the locations for 90 days. In order to prevent fraudulent activity, your name and phone number captured during this password reset 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.
We use the information we get from Google Analytics to understand how our website is used and make improvements.
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.
Choice and Online Tracking
As a user of our website, you control the personal information you send to us when using the services provided on our website.
Innovis does not track your online activities over time and across third party websites. However, 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/
Information Sharing and Disclosure
When you initiate a dispute regarding your Innovis Credit Report, we may disclose the information you provide to the entity that provided the disputed data and as permitted under the Fair Credit Reporting Act.
Otherwise, we don’t intend to share your information with third parties. However, we may disclose your 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 Account
You may access and update personal information you have provided through our website or request that we close your personal account by contacting Innovis Consumer Assistance at the address or telephone number listed below.
Attn: Consumer Assistance
P.O. Box 1640
Pittsburgh, PA 15230
Security and Confidentiality
Innovis strives to protect personal information that we collect, maintain, and disclose through the use of reasonable administrative, physical, and technical safeguards. Personal information submitted online 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 anticipated threats or hazards to the security or integrity of the information, and (3) protect against unauthorized access, alteration and unlawful disclosure of the information.
In the course of business, 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.
Point of Contact
Attn: Privacy Officer
250 E. Broad Street, Suite 2100
Columbus, OH 43215
Note regarding Nevada law Chapter 603A of NRS: Innovis does not sell personal information, and for that reason, cannot process requests to opt out of the sale of personal information.