Americhek Inc is a consumer reporting agency. It is required by the Fair Credit Reporting Act, 15 U.S.C. §1681 et seq. (“FCRA”) to maintain the confidentiality of all consumer information.
Americhek Inc obtains information on an individual consumer only upon the request of a user who has a permissible purpose under the FCRA to request information on that consumer. The FCRA requires a user to certify to Americhek Inc that it has obtained the written consent of the consumer to request information before Americhek Inc can supply the requested information.1 The user must submit to reasonable audits by Americhek Inc to confirm that it is, in fact, obtaining such consents.
Americhek Inc does not maintain a database of consumer information.
Any information gathered on any consumer may only be provided to the user authorized by the consumer to receive the information. Americhek Inc cannot and does not share, sell or distribute consumer information with or to any third party other than the requesting party thereof. Any consumer, upon proper identification, has the right under the FCRA to request Americhek Inc to furnish to the consumer any and all information it may have on that consumer. The consumer has the right to dispute the accuracy or completeness of any information contained in the consumer’s file. The consumer’s rights under the FCRA may be obtained by contacting us or going to the FTC website at: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf.
However, Americhek Inc may be required, upon receipt of a court order to release the information in civil litigation or as otherwise required by law, to disclose information regarding a consumer to law enforcement agencies.
Other privacy initiatives and procedures include, but are not limited to:
European Union Safe Harbor Policy
This statement applies to all personal information we handle, including on-line (except as noted below), off-line, and manually processed data. For purposes of this statement, "personal information" means information that:
Principles Protecting Individuals' Privacy
Notice and Choice
Where the company receives personal information from its subsidiaries, affiliates, or other entities in the EU, the company will use and disclose such information in accordance with the purposes for which it was originally collected, or in accordance with the notices provided by such entities.
The company will provide notice and provide individuals with an opportunity to "opt out" if such personal information is to be disclosed to a third party or used for a purpose incompatible with the purpose for which it was originally collected. For sensitive information, affirmative or explicit, the company will provide notice and individual choice will be given to "opt-in" if such sensitive information is to be disclosed to a third party or used for a purpose other than the purpose for which it was originally collected.
We collect personal information from individuals only as permitted by the Principles or with the consent of the individual affected. Consent for personal information to be collected, used, and/or disclosed in certain ways may be required in order for an individual to obtain or use our services.
Disclosures and Transfers
Permitted transfers of information, either to third parties or within Americhek Inc, or between subsidiaries of Americhek Inc, include the transfer of data from one jurisdiction to another, including transfers to and from the United States of America. Because privacy laws vary from one jurisdiction to another, personal information may be transferred to a jurisdiction where the laws provide less or different protection than the jurisdiction in which the information originated.
Data Security, Integrity and Access
We process personal information only in ways compatible with the purpose for which it was collected or authorized by the individual. To the extent necessary for such purposes, we take reasonable steps to make sure that personal information is accurate, complete, current, and otherwise reliable with regard to its intended use.
If an individual becomes aware that information we maintain about that individual is inaccurate, or if an individual would like to update or review his or her information, the individual may contact us using the contact information below. The individual will need to provide sufficient identifying information. We may request additional identifying information as a security precaution. In addition, we may limit or deny access to personal information where providing such access would be unreasonably burdensome or expensive in the circumstances, or as otherwise permitted by the Safe Harbor Agreement. In some circumstances, we may charge a reasonable fee, where warranted, for access to personal information.
Information Subject to Other Policies
How to Contact Us
1 There is an exception for employer investigations of suspected employee misconduct or for compliance with law or employer policies, e.g., sexual harassment investigations.