Privacy Notices
This notice was last modified on and has an effective date of April 18, 2023.
Neustar, Sontiq, Argus, and Commerce Signals are now TransUnion companies. To learn how these companies handle personal information about you and the rights you may have regarding that personal information, please visit the Neustar Privacy Center, the Sontiq Privacy Center, the Argus Privacy Notice, and Commerce Signals Privacy Notice.
This Privacy Notice (“Notice”) provides information about how TransUnion Interactive, Inc. (“TUI,” “we,” “us,” “our”) handles personal information and describes the rights you may have regarding your personal information. This Notice applies to TUI, its websites, applications, products (the “Products”), features, and application program interfaces, when you communicate or interact with us either directly or through the use of any of our online systems and applications, and its online and offline collection, use, sale, sharing, and disclosure of personal information (collectively, the “Online and Offline Services”). The Notice applies to TransUnion Credit Monitoring, TrueIdentity, and zendough.
Use of our Online and Offline Services constitutes your agreement to the terms of this Notice. If you do not agree with the terms of this Notice, please do not use our Online or Offline Services.
Visit our Consumer Privacy Rights page to exercise your privacy rights.
Notice at Collection: We collect personal information as detailed in this Privacy Notice. The categories of personal information that we collect are listed below under “Collection and use of personal information,” which also describes the purposes for which we collect and use personal information. To learn more about your privacy rights, including your right to opt out of the sale or sharing of your personal information, please navigate to the “Consumer privacy rights” section below.
Click here for TransUnion’s California Consumer Privacy Act (CCPA) Metrics.
Personal information we may collect, from whom or how we may collect, and why we may collect it, by category:
IDENTIFIERS, INCLUDING THOSE IN THE CALIFORNIA CUSTOMER RECORDS STATUTE
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER CALIFORNIA OR FEDERAL LAW
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
COMMERCIAL INFORMATION
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
BIOMETRIC INFORMATION
INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
GEOLOCATION DATA
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
SENSORY DATA
We may collect the following information, including, but not limited to:
From whom we may collect it:
Why we may collect it:
PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION
We may collect the following information, including, but not limited to:
From whom we may collect it:
Why we may collect it:
NON-PUBLIC EDUCATION INFORMATION (per the Family Educational Rights and Privacy Act)
INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION
We may collect the following information, including, but not limited to:
From whom or how we may collect it:
Why we may collect it:
We sell and share personal information with different third parties. For the reasons listed, during the prior 12 months, we may have sold or shared for a commercial purpose the following categories of personal information, by category of third parties. Please note that a specific piece of personal information may fall into one or more categories of personal information.
IDENTIFIERS, PERSONAL INFORMATION CATEGORIES LISTED IN THE CALIFORNIA CUSTOMER RECORDS STATUTE, CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER CALIFORNIA OR FEDERAL LAW
COMMERCIAL INFORMATION
INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY
GEOLOCATION DATA
SENSORY DATA
PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION
INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION
We disclose personal information with different third parties. For the reasons listed below, during the prior 12 months, we may have disclosed for a business purpose the following categories of personal information, by category of third parties. Please note that TUI may share your personal information for a targeted advertising purpose.
Note that a specific piece of personal information may fall into one or more categories of personal information.
IDENTIFIERS AND PERSONAL INFORMATION CATEGORIES LISTED IN THE CALIFORNIA CUSTOMER RECORDS STATUTE
CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER CALIFORNIA OR FEDERAL LAW
COMMERCIAL INFORMATION
BIOMETRIC INFORMATION
INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY
GEOLOCATION DATA
We disclose personal information that may allow a third party to determine location, such as IP addresses, to the following parties:
SENSORY DATA
PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION
NON-PUBLIC EDUCATION INFORMATION (PER THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT)
INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION
When you enrolled, you provided written instruction and authorization for TUI to obtain your credit information from TransUnion, Experian, and Equifax (depending on the Product) to display it to you, as well as to use and share the information provided by you, along with your credit information, to obtain personalized offers from third parties and display personalized offers to you.
Information collected passively via cookies and similar technology. A cookie is a small text file that a web server places on your computer or device when your browser accesses a website. Cookies store data specific to a client or website and are designed to create a record of or “remember” online activity. We use cookies for a number of different purposes. Some cookies are necessary to ensure the site functions properly and some enable us to deliver an individualized Online Services experience.
When you use the site, TUI, commercial partners, and service providers may use cookies and similar technologies like pixel tags and web beacons to facilitate your access to and use of our Online Services, and to improve, enhance and personalize your experience for advertising purposes on the site. For example, we use this technology to recognize you each time you return to the site using the same computer or device so that you do not have to re-enter all of your personal information on each visit. Like many websites, we also use this technology to collect and store information to customize user experience, track activity on the site, as well as to deliver and measure online advertising, including personalized offers and retarget advertisements. TUI advertising commercial partners and service providers may also use cookies or similar technologies for the management and delivery of email communications so that, for example, TUI knows when an email communication to you has been delivered or opened.
You generally have the ability to accept or decline most types of cookies. We do not respond to browser Do Not Track requests. Most web browsers give you a choice to modify your browser settings to decline some or all non-necessary cookies. We provide you choices to manage your privacy and sharing in the Cookies Settings section located in the footer of our website. Not accepting cookies may make certain features of the site unavailable to you. If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm.
Partners and service providers may separately permit you to opt-out of some or all of their information collection activities.
TUI uses a number of additional third party tools for analytical and advertising purposes. These tools provide internet or similar electronic network activity, geolocation information, and inferences drawn from other electronic network activity, collected over time, and from other websites on which TUI displays advertisements and enables TUI to understand and improve the delivery of advertisements, enhance, or modify our Online Services and Product, as well as understand consumer experience. We may also use this information to segment, enhance or modify our advertisements and to personalize your experience.
Analytics Disclosure: TUI uses Google Analytics 360, including Google Tag Manager and Google Ads. If you would like to learn more about Google Analytics, or opt-out of this data collection and sharing activity, please use this link: https://www.google.com/policies/privacy/partners/.
Access to information on this TransUnion database is limited to: (1) entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act; (2) entities with a permitted use under the Gramm-Leach-Bliley Act; (3) companies who resell TransUnion data as permitted under law; and (4) companies who process data on behalf of TUI or TransUnion.
In order to provide you with an optimal consumer experience, TUI strives to continually personalize the Product, including the offers displayed on the Product dashboard and delivered to you by email for some of the Online Services. TUI wants users to have access to personalized offers based on individual user credit experience, and not generic offers that may or may not be suited to an individual user’s needs.
Personalized offers, including prescreen offers, are third-party offers displayed automatically on the Product dashboard, via email, and in addition to other display locations as part of the Product. Permission to use your credit information to show you personalized offers on the Product dashboard was provided by you during the enrollment process.
TUI may share personal information with affiliates and commercial partners or service providers so that the personalized offers can be generated by the third party and then displayed to you. For example, in order to enable the delivery of a personalized offer from a lender (itself or through an aggregator of loan offers), the lender must have access to your personal information to extend an appropriate offer for which you may be eligible. The lender may separately access your credit information if it has a lawful purpose to do so.
In addition to seeing personalized offers on the Product dashboard, you may receive personalized offers via email or other forms of communication from TUI. For TransUnion Credit Monitoring, you may elect to opt-out of receiving personalized offers via certain methods (email) by using the controls in the Your Profile settings tab in the Product. The Your Profile settings tab also allows you to opt-out of receiving certain other categories of commercial email from TUI. Each commercial email from TUI also includes an unsubscribe link.
For zendough and TrueIdentity, if you prefer not to receive such personalized offer information, you may indicate your preference by marking the appropriate box when you register, place an order, or update your account information, and TUI will not send you any promotional materials.
This Notice does not apply to other third-party sites or services. Please remember that personalized offers and other opportunities presented on Online Services will include a link or linking ability to a third-party site or application. If you click on a link or browse to a third-party site from our site/service, your activity and interaction is subject to that third party's rules and policies.
These third party sites are not controlled by TUI and TUI is not responsible for the privacy practices or the content of any such third party site. Personalized offers are provided to you as a convenience and the display of a third party offer through our Online Services is not an endorsement by TUI. If you provide any information to a third party, then the third party’s respective privacy policies will apply with regard to any information you provide or which may be collected by the third party. If, however, the third-party site provides that TUI’s Privacy Notice applies to the information provided by you on that site, then TUI’s policies will apply to the information collected for the purpose of enrolling in the Product once we receive the information from you or the third party.
We recommend that you review the online privacy statements on these other sites to understand their privacy practices and treatment of personal information so that you can make an informed decision regarding your use or interaction with their site/service.
Under the FCRA, our parent company, TransUnion, may provide information to companies that provide you with pre-approved offers of credit or insurance. If you prefer not to receive such offers, you may opt-out by calling 1-888-5OPTOUT or visiting https://www.optoutprescreen.com/.
From time-to-time, you may be presented with a survey or other questions to solicit feedback about your use of the Product and the Online Services. Your participation in these types of market research activities is optional. Should you choose to participate, we may use information you provide to improve and/or develop our Product and services.
We maintain a comprehensive Information Security Program with administrative (policies, standards, and processes), physical, and technical controls to help ensure the security and confidentiality of your information.
For more information about our security practices, please review our Security Policy for TransUnion Credit Monitoring, zendough, and TrueIdentity.
You are responsible for maintaining the accuracy of the information that you provide to TUI and for your own password management and online safety when accessing this Product. Please always consider best practices like changing your password routinely, using a strong password that is not the same as you use for other websites, and not accessing the Product with unsecure devices or unsecure networks.
You may make changes to your account settings on the Your Profile settings tab, including your email address, phone number, mailing address, payment card information and password details. You may also cancel your account online, if applicable, and manage communications preferences related to certain types of communications (email and SMS/MMS) from TUI to you.
Please note that although you may manage communication preferences so that you do not receive commercial communications from TUI outside of the Product dashboard, you may not decline to receive transactional communications from TUI, which contain information about your account and the Product. Please also note that important information about your account, including the alerts that are a part of the Product, will be sent to the email address and/or phone number that you have provided, if applicable. It therefore is important that you update your account information when necessary and actively check email communications from TUI.
Our services are not intended for use by individuals under the age of eighteen (18). You must be at least 18 to access our Online and Offline Services and Products or become a member of any membership program entitled to membership benefits. If we learn that we have collected or received personal information from individuals under the age of eighteen (18), we will delete the personal information.
We do not knowingly sell personal information of children under the age of eighteen (18) years.
Parent or Guardian Privacy Request (child under 16 years)
If you believe we have collected personal information from individuals under the age of sixteen (16), a parent or guardian may make a data privacy inquiry or request by submitting the following information:
One piece of documentation that includes both the name and birthdate of the child and the name of the parent/guardian, providing ‘sufficient proof of authority’ that you have authority to act on behalf of the child or dependent such as:
One piece of information or documentation that includes or references the same name as stated in the first document, providing ‘sufficient proof of identification’ to verify your identity, such as:
All personal information provided as part of this process will be deleted after verification has been completed.
Please send your letter and documentation to the following address:
TransUnion LLC
PO Box 130
Woodlyn, PA 19094
You can also email the information to privacy@transunion.com
To protect the confidentiality of your data, you may choose to submit your data using confidentiality features offered by your email provider.
In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our business, we may share your personal information. We may also share your personal information if we undergo bankruptcy or liquidation, in the course of such proceedings.
In some instances, TUI offers its services to customers as a service provider/processor or subject to other exceptions under the applicable state privacy laws. Where TransUnion is acting as a service provider/processor, we are processing data on behalf of others who will provide the applicable privacy rights.
If you are a resident of California, Colorado, Connecticut, Utah, or Virginia, you may take advantage of certain privacy rights, such as to request access, correction, or deletion of your personal information. Because we may “sell” or “share” personal information or engage in “profiling,” “targeted advertising,” “cross-context behavioral advertising,” or use sensitive personal information, consistent with the defined terms in the applicable state laws, you may also exercise your right to opt out of such sales, sharing, profiling/automated decision making, targeted advertising, or cross-context behavioral advertising, and limit our use of your sensitive personal information. You have the right to appeal a denial of your privacy rights.
To make an opt-out request or to limit our use of your sensitive personal information (subject to limitations and exceptions under applicable law), visit our Opt-Out Request page or visit the following links: Do Not Sell or Share My Personal Information and Limit the Use of My Sensitive Personal Information.
To make a verifiable consumer request or appeal (subject to limitations and exceptions under applicable law), visit our Consumer Privacy Rights page. If you have a TransUnion account, you can use it to make your request. You can also make your request without setting up an account. To do so, we’ll need your first and last name, address, date of birth, and the last four digits of your Social Security number (sensitive personal information). We’ll use that information to verify your identity so we can respond to your request.
Right to know
You have the right to request a disclosure of the personal information collected, sold, and shared about you and the purpose for doing so, unless such request proves impossible or would involve disproportionate effort. Upon submission of a verifiable consumer request, we will provide you with the following information.
To make a verifiable consumer request to know, visit our Consumer Privacy Rights page. If we provide this information to you electronically, the information will be in a portable format. To the extent that it is technically feasible, we will provide you the information in a readily useable format that you can easily transfer to another entity.
Right to correct
You have the right to correct inaccurate personal information that we collect or maintain about you, subject to verification. To make a verifiable consumer request to correct, visit our Consumer Privacy Rights page.
Right to delete
If we collected or maintain personal information about you, you have the right to request the deletion of this personal information, unless an exception applies under applicable law. To make a verifiable consumer request to delete, visit our Consumer Privacy Rights page.
Right to be free from discrimination
You have the right to be free from discrimination for exercising any of the consumer privacy rights. If you choose to exercise any of your rights, we will not:
Right to opt-out of the sale/sharing of personal information
You have the right to opt out of the sale/sharing of your personal information to third parties. To exercise your right to opt out of the sale or sharing of your personal information, through trackers or cookies please visit the Cookies Settings section located in the footer of our website. To opt out of the sale or sharing of your personal information, visit our Do Not Sell or Share My Personal Information page.
Right to opt out of profiling/automated decision making, targeted or cross-context behavioral advertising
You have the right to opt out of our use of your personal information for purposes of profiling, automated decision making, targeted or cross-context behavioral advertising. To opt out of these uses, visit our Opt-Out Request page.
Right to limit the use of sensitive personal information
You have the right to limit how we use your sensitive personal information. Sensitive personal information includes, but is not limited to, Social Security number, driver’s license number, biometric information, precise geolocation, and racial and ethnic origin. To limit the use of your sensitive personal information, visit our Limit the Use of My Sensitive Personal Information page.
Right to appeal
If you believe we have denied any of your consumer privacy rights, you have the right to appeal by visiting our Consumer Privacy Rights page.
Using an authorized agent to submit an opt-out request or a request to limit the use of sensitive personal information. In order to submit an opt-out request or a request to limit on behalf of another consumer, please provide written permission, signed by the consumer, authorizing the agent to submit the opt-out request. The name of the agent submitting the request must match the name on the authorization.
To locate the consumer’s record, please also include the consumer’s first and last name (middle name optional) and their address (including unit number, city, state, and zip code). You may also provide the consumer’s Social Security number and data of birth. While those fields are optional, this information makes it easier for TransUnion to locate the consumer’s information and complete the request.
Documentation may be sent to the addresses listed below.
Using an authorized agent without power of attorney to submit a consumer privacy request other than an opt-out request/request to limit. In order to submit a request on behalf of another consumer, an authorized agent without power of attorney must provide one item from each of the two sections below.
1. Signed permission from the consumer authorizing the agent to submit the privacy request(s) on their behalf, including a description of the type of privacy request(s). The name of the agent submitting the request must match the name of the authorization.
2. The consumer must verify their own identity directly with the business by submitting information or documentation that provides sufficient proof of identification, such as:
a. a Social Security number or a copy of a Social Security card issued by the Social Security Administration,
b. a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate, or
c. a copy of a driver's license or an identification card issued by the motor vehicle administration or any other government issued identification.
This secondary identification must include or reference the same name as stated in the signed permission form. The submission must also include sufficient information for TransUnion to locate the consumer’s file. That information can be found on TransUnion’s Consumer Privacy Rights page by clicking a link for the appropriate consumer request.
Documentation may be sent to the addresses listed below.
Using an authorized agent with power of attorney to submit a consumer privacy request other than an opt-out request/request to limit. In order to submit a request on behalf of another consumer, an authorized agent with power of attorney pursuant to California Probate Code sections 4000 to 4465, must provide the valid power of attorney executed lawfully under California Probate Code sections 4000 to 4465.
The submission must also include sufficient information for TransUnion to locate the consumer’s file. That information can be found on TransUnion’s Consumer Privacy Rights page by clicking a link for the appropriate consumer request.
Documentation may be sent to the addresses listed below.
Documentation Address
Documentation may be sent to:
TransUnion LLC
PO Box 130
Woodlyn, PA 19094
You can also email the information to privacy@transunion.com
To protect the confidentiality of your data, you may choose to submit your data using confidentiality features offered by your email provider.
All personal information provided as part of this process will be deleted after verification has been completed.
If you have questions or concerns regarding this Notice or the protection of your personal information and privacy rights, you may contact us in the following ways:
Phone | |
Postal Mail | TransUnion Data Privacy Request |
This Notice is subject to change at any time. If we make any changes to this Notice, we will post the revised Notice on this page with its effective date. Use of the Product following any change constitutes your acceptance of the Notice then in effect. We encourage you to check the website periodically for updates to our Notice.
The credit scores provided are based on the VantageScore® 3.0 model. Lenders use a variety of credit scores and are likely to use a credit score different from VantageScore® 3.0 to assess your creditworthiness.
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