Innovis Privacy Notice
Effective Date: January 14, 2020
Commitment to Privacy
Innovis Data Solutions, Inc. is committed to respecting the privacy of consumers. This notice provides more information on our data privacy practices, including how we collect, use, disclose, store and otherwise process consumer personal information as a consumer reporting agency and through the services we provide to customers. In addition, this notice describes how consumers can access their consumer report and correct or delete inaccurate or incomplete information. This privacy notice is informational only and is not a contract, nor does it create any legal rights or obligations.
How We Obtain Personal Information
Innovis collects personal information about consumers from financial institutions and other creditors (“data furnishers”) as permitted under 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 reflect the consumer’s credit history and behavior. Consumer reports contain personal information about the subject consumer. Personal information, as used in this notice, means any information that relates to or can be used to identify an individual person, including name, address, date of birth, telephone number, and Social Security number. We also use personal information in order to provide services to our customers, including for credit, receivables management, fraud prevention, and authentication purposes. In order to access the services, our customers provide us with personal information. When consumers contact us to dispute information in their consumer report or make other requests related to their consumer report, the personal information provided by the consumer may be added to our database and used in future consumer reports and services to customers.
How We Use Personal Information
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 consumer reports.
Disclosure of Personal Information to Third Parties
When data furnishers provide us with personal information, that information may be sent to affiliates and data vendors to improve the quality or accuracy of the personal information in consumer reports and other services that we provide to customers.
When our customers provide us with personal information in order to access services, that personal information may be sent to our affiliates, subcontractors, or technology and data vendors that assist in the services.
Innovis sells consumer reports and personal information to permitted customers under applicable credit reporting and data privacy laws.
Disclosure of Personal Information for Legal and Safety Reasons
Innovis may be required to disclose personal information to the authorities, law enforcement agencies, government agencies, or legal entities. We may disclose information by law, litigation, or as a matter of national security to comply with valid legal processes including subpoenas, court orders or search warrants, and as otherwise authorized by law. We may also need to disclose personal information in the event of an emergency that threatens an individual's life, health, or security.
Security Measures to Protect Personal Information
Security of personal information is important to Innovis. Innovis has put security measures into place to protect the confidentiality of personal information we collect. Accordingly, we prohibit the unlawful disclosure of personal information and limit access to the same. While no data transmission or storage can be guaranteed to be 100% secure, we maintain an information security program that contains administrative, technical, and physical safeguards to protect the security and confidentiality of personal information from unauthorized disclosure in accordance with applicable credit reporting and data privacy laws. We also have steps in place to ensure that access to personal information is limited to necessary employees and third parties.
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 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 consumer information in connection with its disposal of personal 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 Fair Credit Reporting Act (FCRA).
Consumer Access and Correction Rights
Consumers can contact us to request copies of their consumer 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 consumer report information. 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 is also 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 opted out and would later like to opt in, the consumer can request to opt in at www.optoutprescreen.com.
Innovis does not knowingly collect information directly from individuals under the age of 13. 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.
Questions Regarding Privacy Practices
For questions regarding Innovis’ privacy practices, please contact:
Attn: Privacy Officer
250 E. Broad Street
Columbus, OH 43215