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Chex Systems, Inc. Privacy Policy
We recognize and respect the privacy expectations of today’s consumers and the requirements of applicable federal and state privacy laws. We believe that making you aware of how we use your nonpublic personal information (Personal Information), and to whom it is disclosed, will form the basis for a relationship of trust between us and the public that we serve. This Privacy Policy provides that explanation. We reserve the right to change this Privacy Policy from time to time consistent with applicable privacy laws.
Updated: December 30, 2020
About this Policy
Personal Information
Personal Information is defined, for purposes of this Policy, to include but not necessarily be limited to, the following:
- Personal data – name, user name, contact details, and similar data
- Sensitive data – date of birth, Social Security number, government ID number, and similar data
- Web/Internet data – Internet account information, IP address, browsing history, and similar data
- Personal records – birth, death, or marriage certificates, driver’s license or state or government ID images (as allowed by applicable state law), audio recordings, and similar data
- Financial data – demand deposit account (DDA) numbers, DDA account status, DDA payment status, DDA charge-off amounts, transactional histories, credit scores, and similar data
- Public record information – court records, property records, business records, and similar data
Categories of Sources
ChexSystems collects Personal Information directly from you, the consumer, and your authorized representatives, as well as from the following categories of third-party sources:
- Financial institutions;
- Consumer reporting agencies;
- Financial services companies;
- Public records maintained by governmental entities that are obtained directly from those entities, or from our affiliates or other businesses;
- ChexSystems affiliates;
- Collection agencies;
- ChexSystems Internet website - www.chexsystems.com;
- Other public Internet domains;
- Consumer data resellers.
Collection of Personal Information from Consumers
When you interact with ChexSystems, whether by calling our Consumer Relations hotline or visiting our website (www.chexsystems.com), we collect information to help identify you and to maintain maximum possible accuracy. ChexSystems does not collect Personal Information directly from you without your knowledge. You may be requested to provide the following information, including, but not limited to:
- Name (first, middle, last);
- Home address;
- Mailing address;
- Social security number;
- Date of birth;
- Telephone number;
- Driver’s license number; and
- Email address.
Each time you visit our website, our servers recognize and record the website you came from, and the website you visit when leaving. We use this information in aggregate to determine the overall usage of our sites and to help in assessing the overall effectiveness of our web presence.
Collection of Personal Information from Other Sources
Personal Information is disclosed to ChexSystems from third parties pursuant to the FCRA, the GLBA and, in some circumstances, the federal Driver’s Privacy Protection Act (DPPA).
Use and Disclosure of Personal Information
ChexSystems does not use or disclose Personal Information for direct marketing purposes.
Services
ChexSystems uses and discloses the Personal Information collected from financial institutions (as defined in GLBA) for its commercial and business purposes, including, without limitation, as follows:
- To provide you resolution of issues;
- To provide products and services to third parties as permitted by the GLBA, FCRA, and DPPA;
- To provide data analytics services both internally and to third parties.
Compliance
ChexSystems may also use and disclose Personal Information for audit and other compliance purposes, including but not limited to, resolving your inquiries and disputes, enforcement of third-party agreements, and to demonstrate its compliance with third-party agreements, as well as applicable state and federal laws and regulations.
Data Retention
ChexSystems retains your Personal Information for as long as necessary to: provide its services; satisfy the transactions you have requested (e.g., dispute resolution or exercise of other privacy rights); for the purpose of complying with our legal, compliance and regulatory obligations; detect and prevent fraud and abuse; and to enforce our agreements with third parties.
Security of Your Personal Information
ChexSystems maintains physical, electronic and procedural safeguards to protect your Personal Information from unauthorized access or intrusion. We limit access to Personal Information only to those employees, contractors and agents who need such access in connection with providing products or services to you or for other legitimate business purposes. At all times, we will comply with all laws and regulations to which we are subject regarding the collection, use, and disclosure of Personal Information.
The security measures in place on this website prevent the loss, misuse and alteration of the information under our control through the industry standard security measures available through your browser. To provide you with additional security, all Personal Information sent from your computer is encrypted while in transit to us and is decrypted once it reaches our server. However, information sent to us through some channels (including email) may not be secure unless we advise you that security measures are in place before your transmission. As a result, we ask that you do not send Personal Information via unsecured email. Please contact us directly at (800) 513-7125 for instructions if you are not able to process your request for information via this website.
Your Rights
FCRA Compliance
ChexSystems provides consumer file disclosure reports, as required by the FCRA, to consumers upon request. If you would like to see the content of your ChexSystems consumer file, free of charge, please contact us directly at:
Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458
Phone: 800.428.9623
Fax: 602.659.2197
California Consumer Protection Act (CCPA) and other data privacy laws
If you are a California resident and you would like to see the content of your ChexSystems consumer file, please contact us directly at:
Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458
Phone: 800.428.9623
Fax: 602.659.2197
or request your disclosure here.
Opt Out
ChexSystems grants all consumers a right to opt out of the use of Personal Information for firm offers of credit and insurance (uses of Personal Information otherwise allowed by the FCRA). Please keep in mind that even after submitting your opt out request to ChexSystems, you may continue to receive marketing material from companies that do not use ChexSystems data to compile their lists.