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Privacy Notices

TransUnion Risk and Alternative Data Solutions (TRADS) Privacy Notice

Effective Date: 10/30/2020
Last Updated: 10/29/2020

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

View TransUnion’s California Consumer Privacy Act (CCPA) Metrics.

Introduction

TransUnion Risk and Alternative Data Solutions, Inc. (“We,” “Us,” “Our”) understands privacy is important to you. We developed this Privacy Notice (“Notice”) to describe how we treat personal information and inform you of rights you may have regarding your personal information.  This Notice applies to our online and offline collection, use, sale, and disclosure of personal information.

Your use of our websites, online applications for mobile devices (e.g., tablets, smart phones) other online products and services, as well as, features and application interfaces when you communicate or interact with us (collectively, “Online Services and Offline Services”) is covered by this Notice.

  1. Personal information we collect and purpose for collecting it
  2. Sharing your personal information
  3. Ways we collect your personal information
  4. Purpose and use of your personal information
  5. Do Not Track
  6. Securing your personal information
  7. Personal information of children
  8. California Privacy Rights
  9. Contact information
  10. Notice changes and effective date

1. Personal information we collect and purpose for collecting it

Category of Personal Information

Personal information we may collect
From whom we collect it
Why we collect it

Identifiers

What we collect

  • Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; an email address (so we may communicate with you); a telephone number.
  • Social Security number or certain other information, such as date of birth, employment information, and credit card account information.
  • Device identification information used to access the Site. 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.
  • Revenue-related information of Subscribers.

From whom we collect it (by category of sources):

  • Information you provide
  • Information collected passively via cookies and similar technology.
  • Advertising Partners.
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators / brokers / compilers / licensors
  • Financial technology (Fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion Companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity.
  • To finalize an application and otherwise set up an account for access to the Online Services.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • To communicate with you.
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services.
  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.
  • For use in commercial products and services.
  • We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details.  TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.  

Personal information categories listed in the California Customer Records statute

Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, an individual’s name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

 

Note that personal information in this category may overlap with other categories.

Note that personal information in this category may overlap with other categories

What we collect

Including, but not limited to the following: 

  • Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; an email address (so we may communicate with you); a telephone number.
  • Social security number; or certain other information, such as date of birth, employment information, and credit card account information.
  • Device identification information which we may associate with a mobile telephone number you provide used to access the Site.
  • Information collected passively via cookies and similar technology.
  • Revenue-related information of Subscribers.
  • IP addresses, device identifiers, and application identifiers.

From whom we collect it (by category of sources)

  • Information you provide
  • Information collected passively via cookies and similar technology
  • Advertising Partners
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators / brokers / compilers / licensors
  • Financial technology (Fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion Companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity.
  • To finalize an application and otherwise set up an account for access to the Online Services.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • To communicate with you.
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services. 
  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law. 
  • We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details.  TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.  

Protected classification characteristics under California or federal law

An individual’s age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

What we collect

Including, but not limited to the following:

  • Age, race, ethnicity, and gender, if you choose to provide it.

From whom we collect it (by category of sources)

  • Information you provide.
  • Advertising partners.
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators / brokers / compilers / licensors
  • Financial technology (Fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion Companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity.
  • To finalize an application and otherwise set up an account for access to the Online Services.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • To communicate with you.
  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.
  • For use in commercial products and services.

Commercial information

What we collect

  • Records of Online Services you purchased, obtained or considered purchasing from us.

From whom we collect it (by category of sources)

  • Information you provide.
  • Advertising partners.
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data aggregators / brokers / compilers / licensors
  • Financial technology (Fintech) companies
  • Government entities
  • Information that is publicly available
  • Insurance carriers
  • Marketing companies
  • TransUnion Companies

Why we collect it (purpose and use of the personal information)

  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services.
  • For use in commercial products and services.

Biometric

What we collect

  • Audio recordings as part of contact with you, for customer support or otherwise.

From whom we collect it (by category of sources)

  • Information directly collected from you.

Why we collect it (purpose and use of the personal information)

  • Customer service and quality control.

Internet or other similar network activity

What we collect

Including, but not limited to the following:

  • Information about your interactions with the website, for example, when you view or search content, we receive and track that information; web session; log file information; information such as the website(s) you visited, when you visited the website, how long you stayed, your behavior while you are on our website and from what device you accessed the website.
  • Information collected from advertising partners.

From whom we collect it (by category of sources)

  • Information directly collected from you
  • Information collected passively via cookies and similar technology
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Marketing companies
  • TransUnion Customers

Why we collect it (purpose and use of the personal information)

  • To display, optimize, and personalize advertisements.
  • To measure advertising effectiveness.
  • To perform website analysis.
  • For use in commercial products and services.

Geolocation data

What we collect

Including, but not limited to the following:

  • We collect geolocation data including, but not limited to Wi-Fi access points, and  as registered by Software Development Kits (SDKs).

From whom we collect it (by category of sources)

  • Data brokers, which include data aggregators, data compilers, and data compilers/originators

Why we collect it (purpose and use of the personal information)

  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.

Sensory data

What we collect

Including, but not limited to the following:

  • Audio and electronic recording, for example, when you call in with a question to customer service.

From whom we collect it (by category of sources)

  • Information directly collected from you.

Why we collect it (purpose and use of the personal information)

  • For customer service purposes and to support consumers.
  • To train agents to ensure best customer service delivery.
  • To ensure legal and compliance obligations.
  • To help answer questions and resolve disputes.
  • For customer service representatives agent training purposes and to ensure customer satisfaction.

Professional or employment

What we collect

  • Professional Licenses
  • Employment Dates
  • Employer Name
  • Employer Information

From whom we collect it (by category of sources):

  • Information you provide.
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Financial technology (Fintech) companies
  • Public records made lawfully available from government agencies
  • Government (information not in public records)
  • Insurance carriers
  • Marketing companies

Why we collect it (purpose and use of the personal information)

  • To verify your identity.
  • To finalize an application and otherwise set up an account for access to the Online Services.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • To communicate with you.
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services.
  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.
  • For use in commercial products and services.
  • We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details.  TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information. 

Non-public education information (per the Family Educational Rights and Privacy Act)

  • We do not collect this information

Inferences drawn from other personal information

What we collect

Including, but not limited to the following:

  • Site preferences, behavior, characteristics, for example, based on the sites you may have visited.

From whom we collect it (by category of sources)

  • Information directly collected from you.
  • Information collected passively via cookies and similar technology.
  • Information collected from advertising partners.
  • Banks/credit unions
  • Collection agencies
  • Commercial partners
  • Credit reporting agencies
  • Data brokers, which include data aggregators, data compilers, and data compilers/originators
  • Financial technology (Fintech) companies
  • Public records made lawfully available from government agencies
  • Government (information not in public records)
  • Insurance carriers
  • Marketing companies

Why we collect it (purpose and use of the personal information)

  • To create a customer profile in order to better optimize your customer experience and offer personalize advertisements.
  • To verify your identity.
  • To finalize an application and otherwise set up an account for access to the Online Services.
  • To enhance and optimize an account for access to and use of the Online Services.
  • To display, optimize and provide personalized advertisements
  • To communicate with you.
  • For fulfillment of your requests and purchases, transactional and other communications about our websites and the Online Services.
  • For product development and research, and for any purpose subject to the limitations set forth in this Privacy Notice and applicable law.
  • For use in commercial products and services.

 

2. Sharing your personal information

In order to enable our business partners to communicate with consumers in a digital environment and to provide relevant products and services to consumers, we share information as outlined below.   We disclose and/or share your personal information with different third parties. We describe the third parties to whom we share or sell your personal information, listed by categories of personal information in the chart below. Please note that a specific piece of personal information may fall into one or more categories of personal Information.

Disclosure of personal information for a business purpose

During the prior 12 months, we disclosed for a business purpose the following categories of personal information to the categories of third parties described below.

Category of Personal Information

Sold during the prior 12 months, by category of third parties

Disclosed for a business purpose during the prior 12 months, by category of third parties

Identifiers and Personal information categories listed in the California Customer Records statute

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Protected classification characteristics under California or federal law

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Commercial information

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Biometric

We do not sell this category of personal information.

We do not disclose for a business purpose this category of personal information.

Internet or other similar network activity

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Geolocation data

We do not sell this category of personal information.

We do not disclose for a business purpose this category of personal information.

Sensory data

We do not sell this category of personal information.

We do not disclose for a business purpose this category of personal information.

Professional or employment

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies

Non-public education information (per the Family Educational Rights and Privacy Act)

We do not sell this category of personal information.

We do not disclose for a business purpose this category of personal information.

Inferences drawn from other Personal Information

  • Advertising networks
  • Consumer data resellers
  • Customers that obtain our services
  • Data analytics providers
  • Data brokers
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Social networks
  • TransUnion companies
  • Advertising networks
  • Agents, consultants, and attorneys
  • Data analytics providers
  • Government entities and regulators
  • Internet service providers
  • Law enforcement agencies
  • Marketing companies
  • Operating systems and platforms
  • Parties to litigation
  • TransUnion companies


3. Ways we collect your personal information

Information you provide

We collect personal information directly from you when you:

  • purchase one of the Online Services,
  • subscribe to our emails or newsletter,
  • participate in one of our contests or surveys,
  • sign up for an account with us, or
  • transact other business with us.

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 you 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.

If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm.]

To collect this information, when you visit our Website, a "cookie" or a “Flash® cookie” may be set on your computer. Cookies and Flash cookies contain information that allows our web servers to recognize you whenever you visit. We do not provide this information to outside parties other than for purposes of improving and enhancing your experience on our Website. Your web browser should allow you to manage cookies and you can manage your Flash cookies by clicking here.

From third parties

We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.), to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details.  TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information.

We use Google Analytics, Optimizely, or other similar analytical tools to collect information in order to display and optimize advertisements and personalize your experience on our Online Services. As part of this service, we receive information collected from other websites that displayed our advertisements. This enables us to understand how our Online Services visitors, exposed to ads placed on other websites, interact with our Online Services. We may use this information to enhance or modify our campaigns that are designed to bring visitors to our Website. You may opt-out of this data collection and sharing activity by visiting the Google Analytics Privacy Overview web page and following the procedures noted under the Browser Opt-Out and Privacy Center information sections (search for these sites through www.google.com).


4. Purpose and use of your personal information

Communication

We may also use your email address for non-service related notifications, such as, making you aware of new or enhanced products or services from us or our affiliates. You may opt-out of receiving these emails by following the unsubscribe instructions within each email or by contacting us. In the event that you unsubscribe from email communications, we may share your email address with our compliance agents or approved marketing partners to prevent you from receiving additional offers.

Ordering & Product Fulfillment

If you elect to order our products or authorize the release of Consumer Report Information, we use your personal information to process your transaction.

We may also use personal information for website analysis and advertising measurement

Affiliates

We are a member of the TransUnion family. The TransUnion family of companies, including but not limited to  Our corporate parent, its affiliates and its subsidiaries, is collectively referred to as “TransUnion.” We may share your information with TransUnion in order to:

  • provide you with TransUnion products,
  • to improve TransUnion product offerings,
  • to facilitate and improve TransUnion’s advertising,
  • to improve TransUnion’s database accuracy,
  • to send you targeted offers,
  • and for use in products, which may be provided to TransUnion customers for debt recovery, investigations, compliance, fraud prevention, law enforcement, risk mitigation, and other lawful purposes.

Possible acquisition

In the event of an acquisition of all or part of Us by another company, or in the event that we sell or dispose of all or a part of the business (TLOxp), the acquirer would have access to the personal information maintained by our business, subject to applicable law. The acquirer's privacy practices might be different from ours, or the acquirer might choose to amend this Notice. You will be notified by email in the event of such an acquisition or if the acquirer's Privacy Notice is materially different from this Notice and have an opportunity to inform the acquirer that you do not consent to their use or disclosure of your personal information.


5. Do Not Track

Our Online Services are not configured to recognize browser "do not track" settings and, as such, setting this parameter in your browser’s settings will not affect our site’s functionality.


6. Securing your personal information

We maintain a comprehensive Information Security Program with administrative (policies, standards, and processes), physical, and technical controls to ensure the security and confidentiality of your information.


7. Our online services and personal information of minors

Our website is not intended for the use by anyone under the age of 18 and you must be at least 18 to access any products through this website or become a member of any membership program entitled to membership benefits.


8. California Privacy Rights

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA).

Right to know 

You have the right to request a disclosure of the personal information collected, sold, and shared about you over the past 12 months and the purpose for doing so. Upon submission of a verifiable consumer request, we will provide you with the following information.

  • The categories of personal information we collected about you.
  • The categories of sources from which we collected your personal information.
  • Our business or commercial purpose for collecting or selling the personal Information.
  • The categories of third parties with whom we share personal Information.
  • The specific pieces of personal information we collected about you.
  • The categories of personal information that we sold in the preceding 12 months, and for each category identified, the categories of third parties to which we sold that particular category of personal information.
  • The categories of personal information that we disclosed for a business purpose in the preceding 12 months, and for each category identified, the categories of third parties with whom we disclosed that particular category of personal information.

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.

To make a verifiable consumer request to know, visit the California Consumer Privacy Act 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. We’ll use that information to verify your identity so we can respond to your request.

Right to deletion

If we collected personal information from you, you have the right to request the deletion of this personal information.

To make a verifiable consumer request to delete, visit the California Consumer Privacy Act 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. We’ll use that information to verify your identity so we can respond to your request.

Right to be free from discrimination

You have the right to be free from discrimination for exercising any of the California consumer privacy rights. If you choose to exercise any of your CCPA rights, we will not:

  • Deny you goods or services;
  • Charge you a different price or rate for goods or services, including through granting discounts or other benefits, or imposing penalties;
  • Provide you a different level or quality of good or services; or
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Right to opt-out of the sale of personal information

You have the right, at any time, to direct a business that sells your personal information to third parties to not sell your personal Information. If you would like to exercise this right, visit our “Do not sell my personal information” page.

Authorized agent

If a consumer is using an authorized agent to submit a CCPA privacy request to know (disclosure report) or delete their personal information, the following is required.

Personal information of minors

We do not sell the personal information of minors under the age of 16. 

Using an authorized agent without power of attorney to submit a request to know or delete

  1. Signed permission from the consumer authorizing the agent to submit the CCPA privacy request(s) on their behalf. Describe the type of privacy request(s) being requesting (know/disclosure report and/or deletion).
  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:
    1. a Social Security number or a copy of a social security card issued by the Social Security Administration,
    2. a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate, or
    3. a copy of a driver's license, an identification card issued by the motor vehicle administration or any other government issued identification.

Using an authorized agent with power of attorney to submit a request to know or delete

If you have provided the authorized agent with power of attorney pursuant to California Probate Code sections 4000 to 4465, provide only the following:

  • the valid power of attorney executed lawfully under California Probate Code sections 4000 to 4465.

 Using an authorized agent to submit an opt-out request

  • written permission, signed by the consumer, authorizing the agent to submit the opt-out request.

Please send your letter and documentation to the following address:
TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094


9. Contact information

If you have questions or concerns regarding this Notice or the protection of your personal information and privacy rights, you may contact us via phone.

All Locations

Phone

1-866-310-8783

Mail

TransUnion Data Privacy Request
P.O. Box 130
Woodlyn, PA 19094

 

10. Notice changes and effective date

We may periodically make changes to this Notice and recommend that you check back to review this Notice so that you always know how we collect, use, and share your personal information. The effective date denotes the date that we publish this Notice to our online services.

What You Need to Know:

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