VantageScore Solutions LLC (“VantageScore,” “we,” “our,” and/or “us”) values the privacy of individuals who use our websites, https://www.vantagescore.com, https://vs4plus.vantagescore.com, http://vs5.vantagescore.com, http://crc-portal.vantagescore.com and https://www.reasoncode.org, applications, and related services that link to this Privacy Policy (collectively, our “Services”). This privacy policy (the “Privacy Policy”) explains how we collect, use, and disclose Personal Information from users of our Services in our business operations. As used in this Privacy Policy, “Personal Information” means any information relating to an identified or identifiable individual.
By using our Services, you agree to the collection, use, and disclosure of your Personal Information as described in this Privacy Policy. Beyond this Privacy Policy, your use of our Services is also subject to our Terms of Service, https://www.vantagescore.com/terms-of-use/.
PERSONAL INFORMATION WE COLLECT
We may collect a variety of Personal Information from or about you or your devices from various sources, as described below.
If you do not provide your Personal Information when requested, you may not be able to use our Services if that information is necessary to provide you with our Services or if we are legally required to collect it.
A. Personal Information You Provide to Us
Identifying Information. When you register for an account with us or request data and information related to our Services, we ask for Personal Information which may include your name and contact information, including your address, phone number, email address, and the account password that you create. We may also ask that you provide the name of your employer
Communications. If you contact us directly, we may receive additional Personal Information about you. For example, when you contact us via a contact form, email, or other means, subscribe to our newsletter, or provide feedback or contact us for support, we will receive your first name, last name, email address, as well as the content, date, and time of your message.
Events-Related Information. If you register for a VantageScore hosted or sponsored event, such as a webinar or conference, we may request your name, employer, contact, and registration details, sessions attended, and preferences.
Careers. If you decide to apply for a job with us, you may submit your contact information and your resume online. We will collect the information you choose to provide us as part of your job application, such as your contact information, current employment information, and other information you choose to submit with your application and on your resume.
B. Personal Information We Collect When You Use Our Services
Location Information. When you use our Services, we may infer your general location information. For example, your IP address may indicate your general geographic region.
Device Information. We receive information about the device and software you use to access our Services, including internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our Services.
Usage Information. To help us understand how you use our Services and to help us improve them, we automatically receive information about your interactions with our Services, including but not limited to the pages or other content you view, the searches you conduct, and the dates and times of your visits.
Information from Cookies, Third-Party Tracking, and Digital Technologies.
We and our third-party partners may collect Personal Information using cookies. Cookies are small files of letters and numbers that we store on your browser or the hard drive of your computer, which contain information that is transferred to your computer’s hard drive. We and our third-party partners may also use pixel tags and web beacons on our Services. These are tiny graphic images placed on web pages or in our emails that allow us to determine whether you have performed a specific action. We use cookies, beacons, invisible tags, and similar technologies (collectively, “Cookies”) to collect information about your browsing activities and to distinguish you from other users of our Services.
By collecting and analyzing the information collected by Cookies, we can improve the functionality of our Services and your experience when using our Services. Cookies can be used for performance management (i.e., collecting information on how our Services are being used for analytics purposes). They can also be used for functionality management, enabling us to make your visit more efficient by, for example, remembering language preferences, passwords, and log-in details.
Our websites may also provide a more interactive experience such as offering a Chatbot to answer your questions. Our Chatbot does not collect additional personal information from you unless you voluntarily provide it. Our Chatbot is designed to improve your experience on our Websites and Services by helping you quickly find the information you are seeking.
Please review your web browser’s “Help” file to learn the proper way to modify your Cookie settings. However, please note that if you delete or choose not to accept cookies from our Services, you may not be able to utilize the features of our Services to their fullest potential.
HOW WE USE THE PERSONAL INFORMATION WE COLLECT
We use the Personal Information we collect:
- To provide, maintain, debug, improve, and enhance our Services;
- To understand and analyze how you use our Services, and develop new products, services, features, and functionalities;
- To understand and analyze usage patterns;
- To process your job application;
- To communicate with you, provide you with updates and other information relating to our Services, provide information that you request, respond to comments and questions, and otherwise provide customer support;
- To find and prevent fraud, and respond to trust and safety issues that may arise;
- To aggregate and otherwise de-identify for other business purposes;
- For marketing purposes, such as developing and providing promotional and advertising materials that may be useful, relevant, valuable or otherwise of interest to you;
- For compliance purposes, including enforcing our Terms of Service or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency; and
- For other purposes for which we provide specific notice at the time the information is collected.
HOW WE SHARE YOUR INFORMATION
We do not disclose information we collect from you except as described below or otherwise disclosed to you at the time of the collection.
Members and Business Partners. We may disclose any information we receive with our members and business partners for any of the purposes described in this Privacy Policy.
Vendors and Service Providers. We may disclose any information we receive with vendors and service providers retained in connection with the provision of our Services.
Analytics Partners. We use analytics services to collect and process certain analytics data. These services may also collect information about your use of other websites, apps, and online resources.
Marketing. We do not rent, sell, or disclose information about you with nonaffiliated companies for their direct marketing purposes.
As Required by Law and Similar Disclosures. We may access, preserve, and disclose your Personal Information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety.
Consent. We may also disclose Personal Information with your permission.
HOW YOU CAN MANAGE YOUR INFORMATION
Marketing Communications. You can unsubscribe from our promotional emails via the link provided in the emails. Even if you opt out of receiving promotional messages from us, you will continue to receive administrative messages from us.
Blocking Cookies. You can block Cookies by setting your internet browser to block some or all Cookies. However, if you use your browser settings to block all Cookies (including essential Cookies) you may not be able to access all or parts of our Services. By using our Services, you consent to our use of Cookies and our processing of Personal Information collected through such Cookies, in accordance with this Privacy Policy. You can withdraw your consent at any time by deleting placed Cookies and disabling Cookies in your browser, or as explained below. You can change your browser settings to block or notify you when you receive a Cookie, delete Cookies or browse our Services using your browser’s anonymous usage setting. Please refer to your browser instructions or help screen to learn more about how to adjust or modify your browser settings. If you do not agree to our use of Cookies or similar technologies which store information on your device, you should change your browser settings accordingly. You should understand that some features of our Services may not function properly if you do not accept Cookies or these technologies. Where required by applicable law, you will be asked to consent to certain Cookies and similar technologies before we use or install them on your computer or other device.
THIRD-PARTY WEBSITES
Our Services may contain links to other websites, products, or services that we do not own or operate (“Third-Party Services”). We are not responsible for the privacy practices of these Third-Party Services. Please be aware that this Privacy Policy does not apply to your activities on these Third-Party Services or any information you disclose to these Third-Parties. We encourage you to read the privacy policies of these Third-Party Services.
RETENTION
We take measures to delete your Personal Information or keep it in a form that does not permit identifying you when this information is no longer necessary for the purposes for which we process it unless we are required by law to keep this information for a longer period. When we process Personal Information for our own purposes, we determine the retention period taking into account various criteria, such as the type of services provided to you, the nature and length of our relationship with you, possible re-enrollment with our Services, the impact on our Services we provide to you if we delete some information from or about you, and mandatory retention periods provided by law and the statute of limitations.
SECURITY
We make reasonable efforts to protect your Personal Information by using physical and electronic safeguards designed to improve the security of the Personal Information we maintain. However, as no electronic transmission or storage of information can be entirely secure, we can make no guarantees as to the security or privacy of your Personal Information.
CHILDREN’S POLICIES
We do not knowingly collect, maintain, or use Personal Information from children under 16 years of age, and no parts of our Services are directed to children. If you learn that a child has provided us with Personal Information in violation of this Privacy Policy, please alert us at info@VantageScore.com.
INTERNATIONAL VISITORS
Our Services are hosted in the United States (“U.S.”) and intended for visitors located within the U.S. If you choose to use our Services from the EU, the UK or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring your Personal Information outside of those regions to the U.S. for storage and processing.
CHANGES TO THIS PRIVACY POLICY
We will post any adjustments to the Privacy Policy on this page, and the revised version will be effective when it is posted. If we materially change the ways in which we use or disclose Personal Information previously collected from you through our Services, we will attempt to notify you through our Services, by email, or by other means.
CONTACT INFORMATION
If you have any questions, comments, or concerns about our processing activities, please email us at info@VantageScore.com.