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Free Annual Credit Reports Privacy Policy

Privacy Policy By using this site, you acknowledge your agreement to these terms of use ("Terms of Use") set forth below. Please read the Terms of Use and, if you do not agree to them, do not use this site.

FreeAnnualCreditReports.org takes privacy very seriously and we will never compromise the privacy of our customers. In order to be an effective intermediary we do need to collect certain contact and financial information. We require the submission of certain information to ensure an effective match within our network of lending professionals. We only require consumers to provide us with their name and email before ordering a credit report on our partner site. If the consumer would like to be matched to additional services, addition contact information, financial information and specifics regarding their property and existing loans may be requested.

We are committed to using state of-the-art technology in order to protect the borrower's personal and financial information. We do not require borrowers to submit sensitive information such as driver's license, social security, credit card or bank account numbers.

Consumers may provide additional information to the companies that they request to be matched with at their discretion. Once the bconsumer provides additional information to another company it is subject to that company's privacy policies. Consumers should read those policies to understand how those firms handle your information.

FreeAnnualCreditReports.org may from time to time, share your contact data with third parties in order to provide you with related offers that you may have an interest in based on your requests. Any future contact with you will follow any and all guidelines to insure the highest possible satisfaction on the part of the consumer. To the extent permitted by law, we may also share your personal information if we believe it is necessary to comply with the law, to enforce or apply our Terms of Use, or to protect the rights, property, or safety of FreeAnnualCreditReports.org, our employees, affiliates, and users. We reserve the right to share information with anyone outside of our network if we are mandated to do so by law or court order.

FreeAnnualCreditReports.org may share demographic data with third parties for market research and demographic purposes.

FreeAnnualCreditReports.org may notify consumers about a special offer from one of our promotional partners. You have the option to decline such offers and be removed from e-mail promotion lists at any time. To make this request, please email info@FreeAnnualCreditReports.org.

We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.

INFORMATION COLLECTION AND USE

We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. The information we collect may be from the following sources:
  • Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, physical address, email address, telephone number, desired loan amount, current mortgage balance, self-assessed property value, self-assessed credit rating, current interest rate, property type and the best time to call you).
  • Information you provide us when you register to receive communications from us (such as your email address).
  • Information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a FreeAnnualCreditReports.org partner.
CHANGE OF TERMS OF USE

We reserve the right, at our discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Please check these terms periodically for changes. Your continued use of this site following the posting of any changes will mean you accept those changes.

CONTENT LINKED TO THIS SITE

You should be aware that when you are on this site, you could be directed to other sites that are beyond our control. There are links to other sites from FreeAnnualCreditReports.org site pages that take you outside of our service. For example, if you click on a banner advertisement or a search result, the click may take you off the FreeAnnualCreditReports.org site. This includes links from lenders, brokers, advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. We reserve the right to disable links from third-party sites to the FreeAnnualCreditReports.org site but we make no representations concerning the content of sites linked to our site and, consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality, or nature of material contained linked to our site.

FreeAnnualCreditReports.orgNOT RESPONSIBLE FOR INFORMATION ON SITE; WAIVER OF LIABILITY

By use of the FreeAnnualCreditReports.org site, you agree that FreeAnnualCreditReports.org shall not be responsible or liable in any manner for any of the products, services, information or other materials (collectively, "Information") provided, displayed, made available or otherwise obtained by you as a result of your use of the FreeAnnualCreditReports.org site including, without limitation, any loan recommendations or quotes, agent or broker referrals, applications, pre-qualifications, approvals or rejections, loan or interest rate analyses or any other results or proceeds from the use of this site or other sites linked to, or affiliated with, this site and you hereby irrevocably waive any claims against FreeAnnualCreditReports.org arising out of your use of this site or other sites linked to, or affiliated with, this site. Nothing on this site is or shall be construed as an offer, acceptance, promise or other representation by FreeAnnualCreditReports.org to make a specific loan or that any participating lender will make any loan for any particular purpose or on specific terms.

Under no circumstances shall FreeAnnualCreditReports.org be liable to you or anyone else for any inaccuracies, errors or omissions, or delays with respect to any Information (or the transmission or delivery of all or any part thereof) provided, displayed, made available or otherwise obtained by you as a result of your use of the FreeAnnualCreditReports.org site or any other sites linked to, or affiliated with, the FreeAnnualCreditReports.org site or for claims, costs, losses or damages of any kind resulting or arising from the use of such Information and you hereby irrevocably waive any claims against FreeAnnualCreditReports.org arising out of your use of this site or other sites linked to, or affiliated with, this site. You are entirely responsible for independently verifying and approving the results, accuracy, adequacy, completeness, validity, enforceability and quality of any such Information and we do not guarantee, verify or make any representations or warranties with regard to the same.

DISCLAIMER

THE INFORMATION AND MATERIALS PROVIDED ON THIS FreeAnnualCreditReports.org SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE INFORMATION OR MATERIALS ON OUR SITE OR ANY LINKED SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WE DO NOT WARRANT THAT THE FUNCTIONS ON OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SITE OR THE SERVERS THAT MAKE SUCH INFORMATION AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO ANY CAUSES OF ACTION (WHETHER IN CONTRACT, TORT [INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE] OR OTHERWISE), SHALL FreeAnnualCreditReports.org BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) RESULTING OR ARISING FROM THE USE OF THE FreeAnnualCreditReports.org SITE OR THE INFORMATION, MATERIALS OR FUNCTIONS PROVIDED ON THE FreeAnnualCreditReports.org SITE OR ANY LINKED SITE.

OPT-OUT EMAIL

By submitting your expression of interest, you are consenting to receive telephone calls from our participating partners even if you are currently on the Do not call list. If you choose to opt-out click here or email us at info@FreeAnnualCreditReports.org.

FEDERAL & STATE DO NOT CALL DISCLOSURE

We honor and respect the privacy of all consumers by insuring that an individual is not contacted if they are listed on the Federal or State Do Not Call list unless they complete our request form and ask to be contacted by our partners. The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. You can register your home or mobile phone for free. Your registration will be effective for five years. Please visit donotcall.gov for more information.

If you are interested in our services and complete a request, your information will be sent to our participating marketing partners. One or more of our marketing partners will contact you by telephone. By submitting your expression of interest, you are consenting to receive telephone calls from our participating lenders even if you are currently on the Do Not call List.

GENERAL PROVISIONS

These Terms of Use shall be governed by and construed in accordance with the laws of the State of National, without giving effect to any principles of conflicts of law and you hereby consent and submit to the personal jurisdiction of the courts of such state to resolve any legal action. If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the remainder of the terms and shall not affect the validity and enforceability of any remaining provisions.

This document was last updated on March 21, 2015