Privacy Policy



1. Scope of this Privacy Policy

This privacy policy describes how LexisNexis Risk Solutions, Inc. and its worldwide affiliated group companies (collectively, LexisNexis") will use the personal information collected when you visit the LexisNexis Web sites, application Web sites and mobile platforms that contain a link to this privacy policy (each, a "Service"). A Service may supplement this privacy policy with additional privacy terms or with additional privacy notices in connection with certain features of that Service.

This privacy policy does not apply to Web sites, applications or mobile platforms that are not linked to this privacy policy or to those operated by third parties. We encourage you to review the privacy policies posted on those Web sites, applications and mobile platforms.

2. Collection of Information
The Service collects information from you in two ways: directly from your input and automatically through the Service's technologies.

a. Information provided by you
The types of information the Service collects directly from you may include the following as well as any other information type that we expressly ask you to enter and submit to the Service:

  • Contact information, such as your name, email address, residential address, mailing address and telephone number;
  • Name of your insurance carrier;
  • Date of birth;
  • Social Security Number;
  • Driver’s license Number;
  • Usernames and passwords;
  • Payment information, such as a credit or debit card number;
  • Educational and employment background;
  • Comments and feedback;
  • Interests and communication preferences.

b. Information Collected Automatically
The Service automatically collects certain information regarding your use of the Service. Examples of information collected automatically include:

  • Internet Protocol ("IP") address used to connect your computer to the Internet;
  • Computer, device and connection information, such as browser type and version, operating system, mobile platform and unique device identifier ("UDID") and other technical identifiers;
  • Uniform Resource Locator ("URL") click stream data, including date and time, and content you viewed or searched for on a Service;
  • Interests and communication preferences.

We may use and disclose automatically collected information for any purpose, except where we are restricted by applicable law. If we combine any automatically collected information with personal information, the combined information will be treated by us as personal information.

We may also use aggregated information for any purpose, however, this information does not identify specific individuals and so is not personal information.

c. Cookies and Web Beacons
The Service may also automatically collect information through the use of cookies or similar technologies, such as web beacons, java scripts and etags.

Cookies are small text files that a website sends to the browser on your computer or mobile device when you first visit a web page so that the website can recognize your device the next time you visit. Most websites typically use the following:

  • "Session" cookies, which are temporary and deleted when you close your browser;
  • "Persistent" cookies, which remain until you delete them or they expire;
  • Web beacons, which are electronic images also known as single-pixel gifs.

In general, cookies, web beacons and similar technologies do not contain personally identifiable information, but when you furnish your personal information through the Service, this information may be linked to the non-personally identifiable data stored in cookies sent to your browser from the Service.

LexisNexis and its service providers use these technologies for various purposes, including: facilitating the login process, administering, customizing and improving the Service, personalizing the browsing experience; advertising, promotions and surveys.

There are a number of ways to manage cookies. The "help" portion of the toolbar on most browsers will tell you how to stop accepting cookies, how to be notified when you receive a new browser cookie, and how to disable existing browser cookies. However, if you block cookies, you may not be able to register, login or make full use of the Service. You can also use your mobile device’s settings to manage the available privacy options.

3. Use of Your Personal Information
We may use the personal information collected through the Service to complete various actions:

  • to assist you in completing a transaction or order;
  • to provide and improve service and support;
  • to update you on relevant new services and benefits;
  • to personalize the Service and to select content to be communicated to you or to use features on the Service such as sharing content with a friend or colleague;
  • to contact you regarding our products or services or other products and services from third parties;
  • to invite you to participate in surveys, sweepstakes, competitions and similar promotions;
  • for data analysis, audits, developing new products, enhancing the Service, identifying usage trends and determining the effectiveness of our promotional campaigns, or in other ways to which you have expressly agreed in a customer agreement with us;
  • to prevent and detect security threats, fraud or other malicious activity; and
  • to comply with our legal obligations, resolve disputes, and enforce our agreements.

We may on occasion also match or combine the personal information that you provide with information that we obtain from other sources or that is already in our records, whether collected online or offline or by predecessor or affiliated group companies, for the purposes described above.

4. Sharing or Disclosing Your Personal Information
We share your personal information in the following ways:

  • Affiliates. Your personal information may be accessible to all LexisNexis affiliated companies worldwide for the purposes described in this policy.
  • Service Providers. Your personal information may be accessible to our service providers and suppliers, which assist us with producing and delivering our products and services, operating our business, and marketing, promotion and communications. These providers and suppliers include, for example, editors, reviewers, credit card processors, customer support, email service providers, IT service providers and shipping agents.
  • Other Third Parties: We may share personal Information with other third parties if we expressly told you about such potential disclosure at the point at which you submitted the Information to us.
  • Compliance with Law and Similar Obligations. We may share personal information in order to: (i) respond to or comply with any law, regulation, subpoena or court order; (ii) investigate and help prevent security threats, fraud or other malicious activity; (iii) enforce and protect the rights and properties of LexisNexis or its affiliates; or (iv) protect the rights or personal safety of our employees and third parties on or using our property.
  • Change in Corporate Circumstances. If LexisNexis, the Service or a related asset or line of business is acquired by, transferred to or merged with another company, your personal information may be disclosed to the prospective or actual purchasers.
5. Children's Privacy
We do not knowingly collect information from children under the age of 13 and LexisNexis does not target its websites to children under 13.

6. Your Choices and Selecting Your Privacy Preferences
You can manage available communications preferences when you register with the relevant Service, by updating your account preferences, or, where applicable, by using the "opt-out" or unsubscribe mechanism or other means provided within the communications that you receive. We reserve the right to notify you of changes or updates to the Service whenever necessary.

7. Access to and Accuracy of Your Personal Information

You may request access to personal information about you that you have provided to us through the websites or mobile platforms governed by this policy. You may also request to review, delete and correct any of that personal information. Additional rights may also apply under applicable laws. We will respond to your access or deletion request within a reasonable timeframe.

The Service may allow registered users to access their registration information and make corrections or updates. The accuracy of such information is solely the responsibility of the user. No access is given to other data that may have been collected about users.

To protect your privacy and security, we will also take reasonable steps to verify your identity. To view, delete and change the personal information that you directly provided to us, you can return to the Web page where you originally submitted your data and follow the instructions on that Web page, or contact us at the address listed below.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

8. Data Security
We use a variety of generally accepted data security measures intended to ensure the confidentiality and integrity of your personal information. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

9. Changes to Privacy Policy
If we modify this privacy policy, we will post the revised version here, with an updated revision date. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

10. Cross-Border Transfer of Personal Information
Only as necessary to process your request or facilitate other purposes described in this privacy policy, your personal information may be transferred to and stored and processed in countries outside of your country of residence, which may have different personal data protection rules than in your country. By using the Service you consent to the transfer, storage and processing of your personal information to and within facilities located in the United States and other countries.

11. TRUSTe
RUSTe European Safe Harbor certification
LexisNexis Risk Solutions, Inc. has received TRUSTe's Privacy Seal signifying that this privacy policy and our practices have been reviewed for compliance with TRUSTe's Certification Standards. In order to view our relationship with TRUSTe, please visit the validation page visible by clicking on the TRUSTe seal. , The TRUSTe program does not cover information that may be collected through downloadable software. The TRUSTe program covers only information that is collected through the Web sites http://www.consumerdisclosure.com and http://personalreports.lexisnexis.com, and does not cover information that may be collected through our mobile applications or social networking applications.
If you have questions or complaints regarding our privacy policy or practices, please contact us using the contact information below. If you are not satisfied with our response you can contact TRUSTe here.

12. Contacting Us
If you have comments or questions about this privacy policy or our processing of your information, please contact:
LexisNexis
Information Assurance and Data Protection Organization
PO Box 933
Dayton, Ohio 45401
Telephone: 1-800-831-2578
Email: Privacy.Information.Mgr@lexisnexis.com

This privacy policy was last updated September 13, 2016.