Privacy Statement
SmartScreen is committed to respecting the consumer’s right to privacy and has created this privacy statement to demonstrate that commitment. The current live privacy statement notes that it was last updated January 12, 2012.
Purpose: This page explains the information SmartScreen may collect, why that information is needed, how it may be shared to provide screening services, and how consumers can update personal information.
How personal and consumer report information is handled.
Sensitive information is requested through secure pages.
Information is used to provide screening, verification, and account services.
The Information We Collect from You
SmartScreen, a service of ClearScreening, allows consumers to provide third-party access to credit report, public record information, and related consumer report information through the website.
SmartScreen collects personal information when a consumer chooses to provide third-party access to credit information. Information may include full name, current and/or billing address, email address, valid credit card number when payment is requested, Social Security number, date of birth, address information, employment information, and certain credit card and loan account information.
Personal information is used to authenticate payment information and confirm that the person requesting the credit report is the correct consumer and not an impostor or unauthorized person.
What Security Measures We Take
ClearScreening takes precautions to secure personal information. When personal information is requested, it is collected through a web page using Secure Sockets Layer (SSL) protocol. SSL helps protect information by encrypting it as it travels from the consumer’s computer to ClearScreening’s computer.
For security purposes, the live privacy statement notes that personal information collected or obtained, including credit reports, is stored on TransUnion servers and access to data and reports is removed after a stated report retention period.
How We Use and Share Personal Information
Personal information shared with third parties is monitored according to ClearScreening security and confidentiality policies. Consumers who prefer not to receive promotional information may indicate that preference when registering, placing an order, or updating account information.
SmartScreen may send purchase receipts and product-related communication. These emails may be part of the SmartScreen product and cannot be disabled.
When a consumer agrees to share credit information, ClearScreening shares that information with identified third parties. ClearScreening may also share some personal information with third parties to process transactions, such as credit reporting agencies and payment processors.
ClearScreening may disclose personal information in good faith when necessary to comply with legal process, protect rights or property, protect user safety, or work with consultants, agents, and advisors acting within professional duties.
Anonymous Data, Cookies, and Links
ClearScreening may collect anonymous usage data to improve the website and services. This may include pages visited and the IP address of the user’s computer, but the policy states this address information is not linked to personal information.
ClearScreening uses cookies to facilitate access to products and services. Some cookies help recognize returning users, while others are needed to process transaction steps. Refusing certain cookies may limit access to products and services.
Some SmartScreen pages may link to other websites. Users are encouraged to read the privacy statements of linked sites because those privacy practices may differ.
Updating Information and Policy Changes
Consumers may correct or update personal information provided to SmartScreen by accessing the website and selecting “Account Preferences” from the Main Menu.
ClearScreening is not responsible for and cannot amend information in a credit report produced by a credit reporting agency. Consumers who believe their credit report contains inaccurate information must contact the applicable credit reporting agency directly.
ClearScreening may amend the privacy statement at any time and will notify users in advance of any material change by posting a notice on the SmartScreen home page. The policy also addresses possible acquisition or sale of all or part of ClearScreening.
Contact Information
Questions about SmartScreen privacy, security, or consumer information can be directed to ClearScreening.
Have a privacy or screening question?
Contact SmartScreen for help with privacy, reports, applicant screening, or account questions.