Revised: December 1, 2016
Your Personally Identifiable Information
We may collect the following personally identifiable information should you voluntarily submit it to NCC through the Website or Services (by registering for an account, for example) either directly or through a third party that is a client of NCC or otherwise, including, but not limited to: your first and last name, your home and other physical address, your email address, your telephone number, your social security number, your date of birth, and other financial information ("Personal Information").
While providing service to credit applicants and lenders, we collect Personal Information from the following sources.
- credit applications and other standard forms related to customer accounts, including without limitation name, address, Social Security number, asset information, bank account balances, and financial transactions;
- customer transactions and other interactions directly with NCC and/or the Website or Services; and
- nformation obtained from third parties, such as the credit reporting agencies and financial institutions, when verifying credit applications or other forms or receiving information about your credit history. This information may also be obtained from other third parties or institutions with which you conduct non-financial transactions.
Usage Data and Website Activity
When you visit the Website, we may collect passive information about your visit. Passive information is any form of aggregate data, navigational data, tracking data, click-stream data, or historical data, which does not in itself personally identify you ("Usage Data"). For example, each time you use the Website, we automatically collect the type of Web browser you use, your operating system, your Internet Service Provider, your IP address, the pages you view, and the time and duration of your visits to the Website. We use this information to help us understand how people use the Website and Services, and to enhance the services we offer.
How Do We Use and Share Information
NCC will disclose your Personal Information in the following circumstances:
- to evaluate customer applications, we may communicate with financial institutions, including banks, credit unions, brokerage firms, savings & loans, and other third parties as necessary to make a full financial reporting on customer applications;
- to communicate with lenders as consented to by customers either through NCC or through a lender;
- to communicate directly with you in connection with your specific requests; and
- to provide you with products or services you have requested either directly or through a third party that is a client of NCC.
Keeping your information secure is a priority for NCC. We restrict access to your Personal Information to those employees and agents who need the information to assist in providing the Services. We maintain physical, electronic and procedural safeguards that comply with applicable law to protect your Personal Information. We train our employees in the proper handling of Personal Information.
Some pages of the Website may use security measures to protect against the loss, misuse or alteration of information that is transmitted through the Website. These pages use Secure Socket Layer ("SSL") connections with at least 128-bit encryption for certain transactions and confidential data. Unfortunately, no data transmission over the Internet or any other network can be guaranteed to be 100% secure. As a result, while we strive to protect your Personal Information, we cannot ensure or warrant the security of any information you transmit, and you do so at your own risk.
From time to time, we may establish business relationships with other businesses that we believe to be trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, data storage and management, and marketing and promotions. We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use or disclosure. Service Providers are prohibited from using Personal Information other than as specified by NCC.
Children's Online Privacy Protection
The Website and the Services comply with the Children's Online Privacy Protection Act of 1998 (COPPA). NCC does not knowingly collect personally identifiable information from children under 13. If we become aware that we have inadvertently received Personal Information from a child under the age of 13, as soon as we verify the information, we will immediately delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please do so by contacting us at the contact information listed below
Compliance with Laws and Law Enforcement
NCC cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information and any other information about you to government or law enforcement officials or private parties if, in our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including court orders and subpoenas), to protect the safety, property or rights of NCC or of any third party, to prevent or stop any illegal, unethical or legally actionable activity or to comply with the law.
Processing in the United States
Please be aware that your Personal Information and communications may be transferred to and maintained on servers or databases located outside your state, province, or country. If you are located outside of the United States, please be advised that we process and store all information in the United States. The laws in the United States may not be as protective of your privacy as those in your location. By using the Website or Services, you agree that the collection, use, transfer, and disclosure of your Personal Information and communications will be governed by the applicable laws in the United States.
Contact and Right to Access and Correct Information
You may contact us with any questions you may have about your Personal Information using the information below. You may also request a copy of your Personal Information through the Website at https://nccreports.com/index.php?request=. If you prefer, we will copy and send to you any Personal Information we have about you. If you think the Personal Information that we have in our files is incomplete or incorrect, you may request that we complete or correct the disputed Personal Information. We will review your request and will either correct your information or explain why we did not do so. If we do not make the requested change, you may file a written statement of dispute with us. We will include the written dispute in future disclosures of that Personal Information. We will send the written dispute to anyone you request who received your Personal Information from us in the past two years. To exercise these rights, please send us a written request by mail or email. Please include your name, address, account number, daytime phone number, and the Personal Information that you would like access to or that you believe needs correction. We may charge a small fee to collect, copy, and send the Personal Information to you. To protect your Personal Information, we may ask you to verify your identity and to provide other details to respond to your request. Some or all of these steps may also be accomplished through your account, if available.
National Cred-A-Chek, Inc.
3770 4th Avenue
San Diego, CA 92103