Fair Credit Reporting Act Disclaimer

 The Fair Credit Reporting Act is a United States federal law, 15 U.S.C. §§ 1681 et seq., enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of companies authorized and designated to “assembl[e] or evaluat[e] consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties . . . .” The FCRA defines the companies assembling and evaluating this information for third parties as “consumer reporting agencies” and requires that others may only use information from Consumer Reporting Agencies when making decisions about an individual’s eligibility for credit, insurance, employment, or other purposes as set forth in the Act.

According to Congressional findings in the FCRA, Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers, and there is a need to ensure that Consumer Reporting Agencies exercise this responsibility with fairness, impartiality, and a respect for the consumer’s right to privacy. For this reason, only Consumer Reporting Agencies may legally provide information about an individual as the basis for a decision regarding credit, insurance, employment, or otherwise as set forth in the Act. Because neither inVeritas Research & Consulting, Inc. nor its service Global i (collectively “Global i”) is a Consumer Reporting Agency, you cannot use data or information obtained from Global i as a basis to make any of the following decisions or for any of the following purposes:

·      Determining whether to extend a loan;

·      Otherwise determining a person’s creditworthiness;

·      Determining eligibility for insurance;

·      Otherwise determining whether to extend an insurance policy;

·      Determining whether or not to hire a potential employee;

·      Conducting background checks to screen job applicants; or

·      Screening of prospective tenants.

The list of decisions above is not exhaustive. To make any of these decisions based on information you obtain from Global i would make you a user of consumer reports, and because Global i is not a Consumer Reporting Agency, this activity on your part would constitute a violation of the FCRA. For further information, visit the website for the FCRA.

Global i does not independently verify or authenticate the information you obtain through our services. Global i also makes no promises, guarantees, or warranties about the accuracy of the information you obtain through our service. You can learn more by reading Global i’s Terms of Service and Privacy Policy.