TransUnion Driver Score

This notice was last modified on and has an effective date of September 1, 2026

We have recently updated our Privacy Notice. Be sure to review it carefully to understand our privacy practices.

This Privacy Notice (“Notice”) explains  how TransUnion Telematics Services LLC (“Driver Score”) (“we,” “us,” or “our”)  handles personal information and outlines your rights. Use of our 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 services.

Scope: This Notice applies to the extent we act as a data controller with respect to the services and products we provide via the Driver Score  websites, applications, products, features, application program interfaces, and related applications. This Notice applies to TransUnion® Drive (including the TransUnion Driver Score and TruVision Driver Score), but does not cover practices of other TransUnion businesses or products,  nor your interactions with us as a job applicant. Please see those respective privacy notices listed on the left-hand panel of this page for more information on those privacy practices.

For transparency purposes only, this Notice provides information about your rights with respect to certain consumer credit reporting and other regulatory activities governed by the Fair Credit Reporting Act. This information is available in the “Rights under the Fair Credit Reporting Act (FCRA)” section below. Otherwise, this Notice does not apply to entities, services, or products that fall outside the scope of comprehensive U.S. state privacy laws, including services governed by the Driver’s Privacy Protection Act (DPPA), the Health Insurance Portability and Accountability Act (HIPAA), the Gramm‑Leach‑Bliley Act (GLBA), and state insurance laws. In those cases, the applicable notices and rights provided under those laws apply, rather than the disclosures and rights in this Notice.

Visit our Consumer Privacy Rights page to exercise your privacy rights and choices.

Notice at Collection: We collect personal information as described in this 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 “Privacy rights and choices” section below. Our retention practices are outlined below under “Retaining personal information.”

View annual consumer requests metrics (California Consumer Privacy Act (CCPA) and California Data Broker Registration) for us and other TransUnion owned or affiliated companies (collectively, TransUnion Companies).

1. Collection and use of personal information

Personal information we may have collected in the past 12 months, from whom or how we collected the personal information, and why we collected it, listed by category of personal information are detailed below.

We may also use your personal information for other purposes disclosed at the time you provide your personal information or otherwise with your consent.

IDENTIFIERS, INCLUDING THOSE IN THE CALIFORNIA CUSTOMER RECORDS STATUTE

We may collect the following information:

• Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; email address(es) (so we may communicate with you); telephone number(s)
• Device identification information used to access our websites; we may associate this device with a mobile telephone number
• Information collected passively via cookies and similar technology
• IP addresses, device identifiers, and application identifiers
• Debt, income, and financial information
• Utility and income information
• Financial information, such as insurance policy number, bank account number, debt, and income
• Driver’s information including license registration information and VIN
• Categories of Sensitive Personal Information:
  • Social Security number or certain other information, such as date of birth, employment information, and credit card account information
  • Account and password information related to financial services
  • Driver’s license number and passport number
  • Medical information (we generally do not collect medical information in providing our products or services, but it may be collected incidentally when providing identity theft protection and identity restoration servicesas part of information for identity verification)

From whom or how we may collect it:

• Consumers; directly from individuals
• Information collected passively via cookies and similar technology
• Advertising Partners
• Credit reporting agency and its affiliates
• External data providers, vendors
• Driver Score service providers and partners
• TransUnion Companies

Why we may collect it:

• For Driver Score features with your consent, including crash detection, distraction detection, generating a driver’s score and related driver’s data, settling insurance claims and other insurance products and offers, and other value-added features To verify your identity
• To communicate with you
• To predict the risk of fraud and prevent fraud on your account or to identify fraudulent activity
• To provide identity theft protection and identity restoration services
• To detect and protect against security incidents
• To maintain the accuracy of your credit report and information
• To enroll you in a product, finalize your application during the enrollment process, and create your product membership
• For fulfillment of your requests and purchases, to provide you with services, products, and their features, or to process payment and complete transactions
• To provide you with quality customer service
• To enhance and optimize your experience with our services and to improve our product offerings through analytics, marketing research, and business analysis
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion companies
• To participate in our affiliate program, contests or surveys, to subscribe to our emails or newsletter, and for promotional opportunities
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• For any purpose subject to the limitations set forth in this Notice and applicable law
• For data utilization from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely you authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third-party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship. TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.

CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW

We may collect the following information:

• Date of Birth
• Marital Status
• Age, hair color, eye color, and other information appearing on a driver’s license
• Categories of Sensitive Personal Information:
  • Ethnicity
  • Medical information appearing on the a driver’s license

From whom or how we may collect it:

• Consumers; directly from individuals
• Advertising partners
• Credit reporting agency and its affiliates
• Transunion Companies

Why we may collect it:

• For Driver Score features, including crash detection, distraction detection, generating a driver’s score and related driver’s data, settling insurance claims and other insurance products and offers, and other value-added features
• To verify your identity
• To finalize your application and create your Product membership program
• To enhance and optimize your Product membership program experienceTo display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• For fulfillment of your requests and purchases, to provide you with services, products, and their features, or to process payment and complete transactions
• To participate in our affiliate program, contests or surveys, to subscribe to our emails or newsletter, and for promotional opportunities
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies
• For any purpose subject to the limitations set forth in this Notice and applicable law
• For data utilization from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely you authorize your wireless operator to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, to our third-party service provider, solely to verify your identity and prevent fraud for the duration of the business relationship.  TUI limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.

COMMERCIAL INFORMATION

We may collect the following information:

• Purchase records of our products and services
• Vehicle records and other driving records
• Insurance information

From whom or how we may collect it:

• Consumers; directly from individuals
• Payment processor
• Motor vehicle record providers
• TUITransunion Companies

Why we may collect it:

• To keep a record of your transaction history
• For fulfillment of your requests and purchases, to provide you with services, products, and their features, or to process payment and complete transactions
• To participate in our affiliate program, contests or surveys, to subscribe to our emails or newsletter, and for promotional opportunities
• To enhance and optimize your Product membership program experience
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies
• For any purpose subject to the limitations set forth in this Notice and applicable law
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies

BIOMETRIC INFORMATION

We may collect the following information:

• Fitness and motion data as requested by Driver Score

From whom or how we may collect it:

• Fitness and motion data are collected by the Driver Score app with your permission.

Why we may collect it:

• To better understand your vehicle’s speed, movement, and direction in order to enable Driver Score features, including crash detection , distraction detection, generating a driver’s score and related driver’s data, marketing, settling insurance claims and other insurance products and offers, and other value-added features.
• We do not collect this category of information

INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY

We may collect the following information:

• Information about your interactions with the app or website, for example, when you view or search content, we receive and track that information; web or app session; log file information; information such as the website(s) or app(s) you visited, when you visited the website, how long you stayed, your behavior while you were on our services and from what device you accessed the service; device identification information which we may associate with a mobile telephone number you provide used to access the service; email address, first and last name, the IP address and information related to that IP address, the internet service provider or proxy used, operating system information, browser information (the pages you view, how long you stay on each page, how often you come back and your behavior while you are on our service); and which advertisement, emails, SMS notifications or other push notifications related to the website and/or Product, offer or online content you view, access, or click on, including to get to the Online Services or while you are on the services
• Information collected from advertising partners
• Information about your interactions with online forms; for example, the use of autofill, number of pauses, length of time to complete a field, number of errors, number of changed answers, typing fluency and number of repeat interactions
• Local Storage Objects such as HTML5 and Flash to store content information and preferences

From whom or how we may collect it:

• Consumers; directly from individuals
• Cookies and similar technology
• Advertising partners

Why we may collect it:

• For product research and development, and to continually enhance and optimize our products and services, based on up-to-date user experiences and available technology
• To improve the delivery and development of our products
• To perform site or app analysis, customize our website or services, and optimize the customer service experience
• To develop new products
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• To predict the risk of fraud and prevent fraud on your account or to identify fraudulent activity
• To provide identity theft protection and identity restoration services
• For any purpose subject to the limitations set forth in this Notice and applicable law

GEOLOCATION DATA

We may collect the following information:

• We collect imprecise geolocation data by using various technologies to determine your location including, but not limited to IP address, Wi-Fi access points, and cell towers
• We collect your precise geolocation for features offered by Driver Score, including trip information and relative location attributes like speed, movement,  and braking.

From whom or how we may collect it:

• Consumers; directly from individuals
• Cookies and similar technology
• Telecommunications providers
• Precise geolocation from your phone, with your permission
• Your vehicle, with your permission

Why we may collect it:

• For Driver Score features, including crash detection, distraction detection, generating a driver’s score and related driver’s data, settling insurance claims and other insurance products and offers, and other value-added features
• To predict the risk of fraud and prevent fraud on your account or to identify fraudulent activity
• To enable location-based services 
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• For fulfillment of your requests and purchases, to provide you with services, products, and their features, or to process payment and complete transactions
• To participate in our affiliate program, contests or surveys, to subscribe to our emails or newsletter, and for promotional opportunities
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies
• For any purpose subject to the limitations set forth in this Notice and applicable law

SENSORY DATA

We may collect the following information:

• Audio and electronic recording, for example, when you call in with a question to customer service or when connecting you to emergency services

From whom we may collect it:

• Consumers; directly from individuals

Why we may collect it:

• To provide customer service and support consumers
• To train agents to ensure best customer service delivery
• To ensure legal and compliance obligations
• To help answer questions and resolve disputes
• To provide safety-related services, such as connection to emergency services

PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION

We may collect the following information:

• Employment

From whom we may collect it:

• Consumers; directly from individuals
• Information on your driver’s license

Why we may collect it:

• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies
• To enhance and optimize your experience with our services and to improve our product offerings through analytics, marketing research, and business analysis
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness

NON-PUBLIC EDUCATION INFORMATION (per the Family Educational Rights and Privacy Act)

• We do not collect this category of information

INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION

We may collect the following information:

• Site and app preferences and characteristics, for example, your behavior on our sservices
• Driving behavior for the Driver Score, including a driver’s score and detection of driver distraction
• Crash detection

From whom or how we may collect it:

• Consumers; directly from individuals
• Cookies and similar technology
• Advertising partners
• Location and motion tracking in the Driver Score app or your vehicle

Why we may collect it:

• For Driver Score features, including crash detection, distraction detection, generating a driver’s score and related driver’s data, settling insurance claims and other insurance products and offers, and other value-added features
• To determine how users interact with our website/services and how we can improve the user experience
• To create a customer profile in order to better display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• To display, optimize, and provide you with advertisements that are more relevant to your demographic, and to measure advertising effectiveness
• For fulfillment of your requests and purchases, to provide you with services, products, and their features, or to process payment and complete transactions
• To participate in our affiliate program, contests or surveys, to subscribe to our emails or newsletter, and for promotional opportunities
• For internal business purposes such as internal analyses and audits, product development, research, and improvement by us and TransUnion Companies
• For any purpose subject to the limitations set forth in this Notice and applicable law

THE FOLLOWING DATA MAY BE PROCESSED BY THIRD-PARTY SERVICE PROVIDERS:

• Name, address, date of birth, telephone number, email address monitoring
• Social security number monitoring
• Credit and credit score monitoring
• Driver’s license number monitoring
• Passport number monitoring
• Medical account number monitoring
• Credit card monitoring
• Bank account monitoring
• Monitoring bank and credit card transactions
• Social media account monitoring
• Court records monitoring
• Payday loan monitoring
• IT services
• Location and driving information for Driver Score services
• Emergency services

Under the definitions and exceptions of the Connecticut Data Privacy Act, we do not use your personal data to train large language models in our services where we act as a controller. You may consent to have your personal data shared with a third party, who may use personal data to customize a large language model (for example, if you enable a data connection to your AI agent). When we sell personal data to our customers, they may use that data to customize large language models for internal purposes or as necessary to provide their products and services.

2. Selling/Sharing personal information

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. Please note that we may share your personal information for a targeted advertising purpose.

IDENTIFIERS, PERSONAL INFORMATION CATEGORIES LISTED IN THE CALIFORNIA CUSTOMER RECORDS STATUTE, CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW

• Advertising networks, to provide personalized advertisements, reporting purposes, and analytics, if applicable
• Advertising platform providers, in order to provide and deliver personalized offers to you
• Affiliates, or TransUnion Companies, to enable updates on TransUnion’s consumer credit database; deliver, enhance, or develop our products and those of TransUnion Companies; and to provide you with products, improve our product offerings, facilitate and improve our targeted offers and advertising, improve our database accuracy, or to send you personalized offers
• Commercial partners, or non-affiliated third parties which we may employ or partner with to provide and continually enhance our products and deliver personalized offers to you
• Consumer data resellers, with whom we form indirect partnerships
• Credit reporting agencies to obtain your requested credit report
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance or modify our services, products, and to understand and optimize consumer experiences
• Internet service providers
• Marketing companies, to provide personalized advertisements and enhance your experience; measure advertising effectiveness; provide advertising services such as advertising placement, advertising performance, and cookie management
• Operating systems and platforms, to share with a different system or database, for example, to process payments

COMMERCIAL INFORMATION

• Affiliates, or TransUnion Companies, to enable updates on TransUnion’s consumer credit database; deliver, enhance, or develop our products and those of TransUnion Companies; and to provide you with products, improve our product offerings, facilitate and improve our advertising, or improve our database accuracy
• Insurance companies and data partners to provide or market offers, rates, and other recommendations.
• Data analytics providers, for testing purposes

INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY

• Advertising networks, to provide personalized advertisements
• Consumer data resellers, with whom we form indirect partnerships
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance or modify our services, products and to understand and optimize consumer experiences
• Marketing companies, to provide personalized advertisements and enhance your experience
• Internet service providers

GEOLOCATION DATA

• We do not sell your precise geolocation data (such as your trip routes, places visited, or GPS data)
• We may sell your imprecise location data (such as region, IP address, or city):
  • Affiliates, or TransUnion Companies, to enable updates on TransUnion’s consumer credit database; deliver, enhance, or develop our products and those of TransUnion Companies; and to provide you with products, improve our product offerings, facilitate and improve our advertising, or improve our database accuracy
  • Insurance companies and data partners to provide or market offers, rates, and other recommendations.
  • Marketing companies, to provide personalized advertisements and enhance your experience; measure advertising effectiveness; provide advertising services such as advertising placement, advertising performance, and cookie management
  • Operating systems and platforms, to share with a different system or database, for example, to process payments
  • Consumer data resellers, with whom we form indirect partnerships
  • Credit reporting agencies to obtain your requested credit report
  • Advertising networks, to provide personalized advertisements, reporting purposes, and analytics, if applicable
  • Advertising platform providers, in order to provide and deliver personalized offers to you
  • Data analytics providers, for analytics and testing purposes
     

BIOMETRIC INFORMATION

• We do not sell your biometric information.

SENSORY DATA

• We do not sell your sensory data.

PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION

• Advertising networks, to provide personalized advertisements
• Affiliates, or TransUnion Companies, to deliver, enhance, or develop our products and those of TransUnion Companies
• Consumer data resellers, with whom we form indirect partnerships
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance or modify our services, products, and to understand and optimize consumer experiences
• Marketing companies, to provide personalized advertisements and enhance your experience

INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION

• Advertising networks, to provide personalized advertisements
• Affiliates in the TransUnion family of companies, in order to deliver, enhance or develop the Products and those of TransUnion companies, or for internal business purposes
• Consumer data resellers, with whom we form indirect partnerships
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance or modify our Online Services, Product and understand and optimize consumer experience
• Marketing companies, to provide personalized advertisements and enhance your experience

This section excludes text messaging originator opt-in data and consent; such information will not be shared with any third parties.

3. Disclosing personal information for a business purpose

We disclose personal information with different third parties, service providers, and data processors. For the reasons listed below, during the prior 12 months, we may have disclosed for a business purpose the following categories of personal information.

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

• Commercial partners, or non-affiliated third parties which we may employ or partner with to provide and continually enhance our products and deliver personalized offers to you
• Consumer data resellers
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products and to understand consumer experiences
• Marketing companies, to provide personalized advertisements and enhance your experience
• Service providers, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our websites or services to a third-party site or app
• Driver Score service providers and related data collection and processing partners to provide Driver Score services

CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW

• Commercial partners, or non-affiliated third parties which we may employ or partner with to provide and continually enhance our products and deliver personalized offers to you
• Consumer data resellers
• Marketing companies, to provide personalized advertisements and enhance your experience
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products and to understand consumer experiences
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app
• Driver Score service providers and related data collection and processing partners to provide Driver Score services

COMMERCIAL INFORMATION

• Consumer data resellers
• Marketing companies, to provide personalized advertisements and enhance your experience
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products and to understand consumer experiences
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from  our services to a third-party site or app
• Driver Score service providers and related data collection and processing partners to provide Driver Score services

BIOMETRIC INFORMATION

• Driver Score service providers and related data collection and processing partners to provide Driver Score services

INTERNET OR OTHER SIMILAR ELECTRONIC NETWORK ACTIVITY

• Commercial partners
• Consumer data resellers
• Marketing companies
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products and to understand consumer experiences
• Internet service providers
• Service providers, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and to interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app

GEOLOCATION DATA

We disclose precise geolocation data to enable:

• Driver Score service providers and related data collection and processing partners to provide Driver Score services
• Emergency services and related services in the event of a crash or safety issue

We disclose personal information that may allow a third party to determine imprecise location, such as IP addresses, to the following parties:

• Commercial partners
• Consumer data resellers
• Internet service providers
• Marketing companies
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products, and to understand consumer experiences
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app

SENSORY DATA

• Service providers, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and to interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app.
• Data analytics providers
• Driver Score service providers and related data collection and processing partners to provide Driver Score services

PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION

• Commercial partners
• Consumer data resellers
• Marketing companies
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products, and to understand consumer experiences
• Service providers, third parties with whom we contract to enable certain services, such as, for example, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, to interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third party site or app
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site or app

NON-PUBLIC EDUCATION INFORMATION (PER THE FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT)

• We do not disclose this category of information

INFERENCES DRAWN FROM OTHER PERSONAL INFORMATION

• Commercial partners, or non-affiliated third parties which we may employ or partner with to provide and continually enhance the products and deliver personalized offers to you
• Consumer data resellers, with whom we form indirect partnerships
• Marketing companies
• Data analytics providers, to enable us to understand and improve the delivery of advertisements, enhance, or modify our services, products, and to understand consumer experiences
• Service providers, third parties with whom we contract to enable certain services, such as, email list and email management, marketing, customer support, Product fulfillment, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third party site or app
• Third parties with whom we contract to enable certain services, such as, marketing, consumer research, surveys, contests, promotions; and to enable personalization of offers based on your credit profile, and so that you can interact more easily with a third party through pre-filled forms or applications, or to enable a data pass when you redirect from our services to a third-party site
• Driver Score service providers and related data collection and processing partners to provide Driver Score services

In addition to the disclosures described above, we may disclose personal information to comply with legal requirements, respond to government requests, support investigations or legal proceedings, protect rights and safety of us, you, or other individuals, prevent fraud and other unlawful activity, and as otherwise permitted or required by law. This may include, for example, disclosing information to emergency services in the event of a car crash or safety incident. We may also disclose personal information to government authorities, regulators, law enforcement, courts, parties involved in legal proceedings, and our professional advisors and service providers, such as attorneys, accountants, consultants, and agents, subject to appropriate confidentiality and security safeguards.

4. Managing your account and authorizations

Managing your account. You are responsible for maintaining the accuracy of the information that you provide to us and for your own password management and online safety when accessing our products. 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 or apps, and not accessing our products with unsecure devices or unsecure networks.

• Your account for TransUnion Interactive may be used as your Driver Score login, including any personal information associated with that account.
• You may make changes to your account settings through the settings of that service, such as modifying 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 us to you.
• Please note that although you may manage communication preferences so that you do not receive commercial communications from us outside of our product dashboard, you may not decline to receive transactional communications from us, which contain information about your account and products. Please also note that important information about your account, including the alerts that are a part of our products, 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 us.

Authorizations for Driver Score. You enroll for Driver Score by creating a TransUnion Interactive or Driver Score account and providing written instruction and authorization for Driver Score to obtain your driving and insurance-related information 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. If you delete the Driver Score app and disable connections to your vehicle’s tracking (where applicable), the app will no longer be able to access your precise geolocation, motion tracking, and similar tracking information. You may also adjust those tracking options through your phone’s permissions for that app. Please note that disabling such features will also disable any safety features dependent on that data, such as crash detection. If you no longer wish to participate, you may cancel your account at any time. If your account is still active, we may need to keep some personal information to provide our services. To have all eligible personal information deleted, please cancel your account first.

Surveys. From time-to-time, you may be presented with a survey or other questions to solicit feedback about your use of our products and 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 products and services.

Personalized (third-party) offers. In order to provide you with an optimal consumer experience, we strive to continually personalize the products, including the offers displayed on the product dashboard and delivered to you by email for some services. We want you to have access to personalized offers based on individual 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 app, via email, and in addition to other display locations as part of our product offering. Permission to use your credit information to show you personalized offers on the product dashboard was provided by you during the enrollment process. For Driver Score, you may opt out of receiving in-app personalized offers by using the settings of the app. 
• We 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, 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.
• You may enroll in personalized offers through a third party and enable them to access Driver Score information to enable those services.
• In addition to seeing personalized offers on the product dashboard, you may receive personalized offers via email or other forms of communication from us. You have the choice to opt out of our marketing email communications at any time by using the opt-out provision/unsubscribe link at the bottom of every marketing email.
   

5. Privacy rights and choices

When we act as a data controller, you may have certain privacy rights under applicable US state privacy laws. These may include the right to access, correct, or delete your personal information. You may also have the right to appeal if we deny your request.

To exercise your US state privacy rights (subject to applicable legal limits and exceptions), visit our US State Privacy Rights page to submit a request. We may request your name, address, email, phone number, date of birth, and either your full Social Security number or the last four digits to locate your records. For certain requests, we require you to answer some security questions to verify your identity. If we provide your information electronically, we will do so in a portable format. When technically possible, we will provide it in a format that is easy to use and transfer to another entity.  

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 Submit an Opt-Out / Limitation Request.

• 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 applicable state laws, you may also exercise your opt-out rights from such sales/sharing, profiling/automated decision making, targeted advertising, or cross-context behavioral advertising, and limit our use of your sensitive personal information.
• 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 page, also located in the footer of our website.

In some instances, we offer our services to customers as a service provider/data processor or are subject to other exceptions under the applicable state privacy laws. Where we are acting as a service provider/data processor, we are processing data on behalf of others who will provide you with applicable privacy rights.

The US State Privacy Rights and Submit an Opt-Out / Limitation Request rights pages apply to the US services covered in the notices for Transunion LLC, TUI, TURSS, TRADS, Neustar, Driver Score, and Marketing Solutions. If you use a consumer right using these links, you do not need to request those consumer rights again for the other covered services.

Explanation of Privacy Rights and Choices

In the US, residents of California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia have some or all of the below privacy rights. We may offer these rights to other jurisdictions where required by law or at our discretion.

• Right to Access/Know. You may have the right to request a privacy report detailing the personal information collected, disclosed, sold, and shared about you and the purpose for doing so, unless such request proves impossible or would involve disproportionate effort.
• Right to Correct. You may have the right to correct inaccurate personal information that we collect or maintain about you, subject to verification.
• Right to Delete. If we collected or maintain personal information about you, you may have the right to request the deletion of this personal information, unless an exception applies under applicable law.
• Right to Opt Out of Sale/Sharing. You may have the right to opt out of the sale/sharing of your personal information to third parties.
• Right to Opt Out of Profiling/Automated Decision Making, Targeted Advertising, or Cross-Context Behavioral Advertising. You may have the right to opt out of our use of your personal information for purposes of profiling, automated decision making, targeted advertising, or cross-context behavioral advertising.
• Right to Limit the Use of Sensitive Personal Information. You may have the right to limit how we use your sensitive personal information. Depending on the applicable law, sensitive personal information may include: Social Security number, driver’s license number, biometric information, precise geolocation data, and racial and ethnic origin.
• Right to Request Specific list of Third Parties. You may have the right to request a list of the specific third parties with whom we have disclosed personal information.
• Right to Appeal. If you believe we have denied any of your US state privacy rights in error, you may have the right to appeal by replying to our denial message or any communication from us.

These rights are subject to limitations and exceptions under applicable privacy laws. They may vary by region, and the functionality and features available on our services are subject to change. We do not discriminate against you based on your exercise of your privacy rights.

Analytics Disclosure: We use 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/. Please visit our Cookies and Similar Technologies Notice for information regarding our tracking technologies.

6. Privacy rights via authorized agent

A. Opt-Out Requests and Requests to Limit Use of Sensitive Personal Information

For an authorized agent (with or without power of attorney) to submit an opt-out request or a request to limit the use of a consumer’s sensitive personal information on behalf of a consumer, the authorized agent is required to submit the following: 

• Written authorization signed by the consumer, clearly permitting the agent to act on their behalf, 

• The agent’s name must match the name listed in the authorization, 

• Consumer identification details, including: First and last name (middle name optional), Residential address (including unit number, city, state, and ZIP code), and 

• (Optional but strongly recommended to find relevant records) Social Security number and Date of birth. 

B. Verifiable Requests (Access, Correction, Deletion) 

For an authorized agent to submit a verifiable privacy request with a valid power of attorney, the agent must provide:

• A valid power of attorney executed in accordance with applicable law

• Sufficient information to allow us to locate the consumer’s file

For an authorized agent to submit a verifiable privacy request without a power of attorney, the authorized agent must provide one item from each of the following two categories:

1. Consumer Authorization
   • Signed permission from the consumer authorizing the agent to submit the request
   • The agent’s name must match the name on the authorization
   • The authorization must describe the type(s) of request (e.g., access, correction, deletion)
      
2. Consumer Identity Verification The consumer must verify their identity directly with us by submitting sufficient proof of identification, such as:
   • Social Security number or a copy of a Social Security card
   • Certified or official copy of a birth certificate
   • Valid driver’s license or other government-issued identification

The identification provided must match the name in the authorization and the submission must include sufficient information for us to locate the consumer’s file. The authorized agent may review the types of information we require by looking at information requested on the US State Privacy Rights page.

C. Submission Instructions 

Documentation may be sent to: 

TransUnion Data Privacy  
PO Box 130 
Woodlyn, PA 19094

You can also email the information to privacy@transunion.com

To enhance data security, the authorized agent may use confidentiality features offered by their email provider. All personal information collected as part of this process will be deleted after verification is complete.

7. Rights under the Fair Credit Reporting Act (FCRA)

This Notice does not apply to credit reports or other personal information that we may maintain and use as a consumer reporting agency subject to the Fair Credit Reporting Act (FCRA). For information regarding your rights under the FCRA, please visit the Summary of FCRA Rights.

8. Personal information of children

Our services are not intended for use by nor directed to individuals under the age of eighteen (18). You must be at least eighteen (18) to access our 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 or otherwise comply with applicable law. We do not knowingly sell the personal information of children under the age of eighteen (18).

9. Securing personal information

We maintain a comprehensive information security program with administrative (policies, standards, and processes), physical, and technical controls designed to protect the confidentiality, integrity, and accessibility of personal information.

10. Retaining personal information

We retain personal information for as long as necessary to fulfill the purposes for which it was collected or processed, as previously described in this Notice. For instance, we retain personal information, collected through our services and websites, for as long as a user’s account is active or as needed to provide services to our customers.

When determining retention periods, we consider our relationship with users and their information, the nature and sensitivity of the information, and what is reasonably necessary and proportionate to provide and improve our services. We also adjust retention periods to comply with our legal, reporting, or accounting obligations, to resolve disputes, and to enforce our agreements. We regularly review our retention periods and assess our data minimization practices, retaining the least amount of information for the shortest retention period, while still upholding all our obligations.

11. Corporate reorganization

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.

12. Links to other sites or services

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 and apps are not controlled by us, nor are we responsible for the privacy practices or the content of any such third-party site or app. Personalized offers are provided to you as a convenience and the display of a third-party offer through our services is not an endorsement by us. If you provide any information to a third party, that third party’s respective privacy policies will apply, unless the third-party site/service provides that this Privacy Notice applies to the information provided by you on that service.

We recommend that you review the online privacy statements on those other sites to understand their privacy practices and make an informed decision regarding your use or interaction with their site/service.

13. Contact information

If you have questions or concerns regarding this Notice, our privacy practices and the protection of your personal information, or the privacy rights and choices available to you, you may contact us in the following ways:

14. Notice changes and effective date

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. If we change the Privacy Policy in a material way, we will provide appropriate notice. Such notice may be provided, for example, via a temporary banner on our Site, an email sent to users for whom we have an email address, or by temporarily noting “UPDATED” next to the Privacy Policy link on the footer of our Site. Use of our products 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.