By purchasing a report of any kind from FindOutTheTruth.com, Inc. you agree to the terms, conditions, and notices contained herein. All transactions will be in US DOLLARS. We reserve the right to change the terms, conditions, and notices under which this service is offered at any time and without notice. By ordering a report you warrant that you are at least 18 years of age and have the legal authority to enter into this agreement and use this service in accordance with all terms and conditions set forth. You also warrant that all information provided by you or members of your household in using this website is true and accurate. As a condition of accepting this agreement, you warrant that you will not use this information either intentionally or unintentionally to violate any applicable local, state, federal or international law or regulation. By purchasing FindOutTheTruth.com services, you agree that: you intend to use any and all information provided to you by FindOutTheTruth.com and its employees only for a use which will cause no emotional or physical harm to any person. The information you are purchasing is highly sensitive and highly regulated. The client will be provided with consumer, business public record and/or other data through FindOutTheTruth.com, Inc.
FindOutTheTruth.com, Inc. guarantees the client that it will use its best means and efforts to fulfill each client's request quickly and efficiently. FindOutTheTruth.com, Inc. will have no obligation or liability to the client or any third party for any delay or failure of its network due to circumstances beyond its control, including, but not limited to computer malfunction, trunk or telephone line failure, weather related problems, supplier performance, or Acts of God. To the fullest extent permitted by law, the information is provided "as is", without warranty of any kind, express or implied, including, but not limited to, fitness for a particular purpose, title, implied warranties of merchantability. You acknowledge that any information or report which is covered by the FAIR CREDIT REPORTING ACT (public law 91-508, 15 USC section 1681, et seq. subsections 604-615) will be requested and used by the client in full compliance with the terms and intent of that act. The client understands that the purpose of the information purchased as covered by the Fair Credit Reporting Act must be identified, that the information received is for the client's use only, and that there are criminal penalties for willful violation of this act. FindOutTheTruth.com, Inc. , its affiliates, agents and employees are not liable to any party for any consequential, direct, indirect, or special damages for any reliance or use upon the information obtained from FindOutTheTruth.com, Inc. including but not limited to, business interruption, lost profits, loss of programs or other data, even if FindOutTheTruth.com, Inc. is expressly advised of the possibility of such damages. In addition, FindOutTheTruth.com, Inc. , its affiliates, agents and employees are not liable to any party for any special, consequential, direct, or indirect damages for any correspondence between our customers and their search subjects or any reunions resulting from use of our information. Client shall indemnify, defend and hold harmless FindOutTheTruth.com, Inc. from any and all claims, damages or liability whatever arising out of the services or data. All notices hereunder shall be given in writing to FindOutTheTruth.com, Inc. by certified mail, return receipt requested, postage prepaid, the address of FindOutTheTruth.com, Inc. at 2637 East Atlantic Blvd Suite 107, Pompano Beach, FL 33062. If any action shall be brought on account of any breach of or to enforce any of the terms or conditions of this agreement, FindOutTheTruth.com, Inc. shall be entitled to receive from client a reasonable attorney's fee. The client shall pay reasonable attorneys fees and all costs incurred by FindOutTheTruth.com, Inc. . Client agrees that venue for any proceeding shall be in Broward County, Florida. FindOutTheTruth.com, Inc. guarantees the client that it will use best means and efforts to fulfill each client's request in the most efficient and expeditious manner. The client is responsible for entering all subject information correctly and completely as this is our only means to begin and complete the requested report. Once research has commenced no refunds will be given for data entry errors on the part of the client. Client agrees to be fully responsible for payment once research has commenced on behalf of the client irrespective of whether the client needs or wants the information any longer. Should client place research into dispute we will take action to retrieve our funds, including but not limited to placing the account in collections. Once research has been placed in dispute for fraud our confidentiality agreement is null and void. Should a fraud charge be made, we will notify the subject of the search, and inform the proper authorities. Client will execute this agreement upon payment for a search.
California Employers and Screening Companies
California now requires the following notices when obtaining a employee or tenant screening report. This report is only provided on the condition that an employer subject to California law agrees to abide by these conditions. Furthermore, by requesting a screening report, an employer certifies compliance with California Civil Code Section 1786.16. By purchasing a report you agree to abide by these terms and conditions: 1)The report does not guarantee the accuracy or truthfulness of the information as to the subject of the investigation, but only that it is accurately copied from public records. Evidence of identity theft may or may not be identified from this report. 2) The recipient of this report shall give a copy of this report to the subject of the report. 3) Failure to provide a copy of the report as required by law may expose you to liability as specified in Section 1786.50. Section 1786.50 provides for fines and damages in the event a consumer is harmed by an employer not complying with this section. Section 1786.16 refers to certain requirements already in existence, such as obtaining releases.
Gramm - Leach - Bliley Act (GLB)
Sec. 6801. Protection of nonpublic personal information
(a) Privacy obligation policy
It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers' nonpublic personal information.
(b) Financial institutions safeguards
In furtherance of the policy in subsection (a) of this section, each agency or authority described in section 6805(a) of this title shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards -
(1) to insure the security and confidentiality of customer records and information;
(2) to protect against any anticipated threats or hazards to the security or integrity of such records; and
(3) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
For more information please click here.
SECTION REFERRED TO IN OTHER SECTIONS
This section is referred to in sections 6803, 6805 of this title.
Sec. 6802. Obligations with respect to disclosures of personal information
(a) Notice requirements
Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
(b) Opt out
(1) In general
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -
(A) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party;
(B) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
(C) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institution's own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
(c) Limits on reuse of information
Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
(d) Limitations on the sharing of account number information for marketing purposes
A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
(e) General exceptions
Subsections (a) and (b) of this section shall not prohibit the disclosure of nonpublic personal information -
(1) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with -
(A) servicing or processing a financial product or service requested or authorized by the consumer;
(B) maintaining or servicing the consumer's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity; or
(C) a proposed or actual securitization, secondary market sale (including sales of servicing rights), or similar transaction related to a transaction of the consumer;
(2) with the consent or at the direction of the consumer;
(3)(A) to protect the confidentiality or security of the financial institution's records pertaining to the consumer, the service or product, or the transaction therein; (B) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability; (C) for required institutional risk control, or for resolving customer disputes or inquiries; (D) to persons holding a legal or beneficial interest relating to the consumer; or (E) to persons acting in a fiduciary or representative capacity on behalf of the consumer;
(4) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institution's compliance with industry standards, and the institution's attorneys, accountants, and auditors;
(5) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (12 U.S.C. 3401 et seq.), to law enforcement agencies (including a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91-508 (12 U.S.C. 1951-1959), a State insurance authority, or the Federal Trade Commission), self-regulatory organizations, or for an investigation on a matter related to public safety;
(6)(A) to a consumer reporting agency in accordance with the Fair Credit Reporting Act (15 U.S.C. 1681 et seq.), or (B) from a consumer report reported by a consumer reporting agency;
(7) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or
(8) to comply with Federal, State, or local laws, rules, and other applicable legal requirements; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
(Pub. L. 106-102, title V, Sec. 502, Nov. 12, 1999, 113 Stat. 1437.)
Fair Credit Reporting Act (FCRA)
The FCRA statement can be viewed below:
FCRA section number (§§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b])
(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
(2) In accordance with the written instructions of the consumer to whom it relates.
(3) To a person which it has reason to believe
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or
(E) intends to use the information, as a potential investor or service provider, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
(F) otherwise has a legitimate business need for the information
(i) in connection with a business transaction that is initiated by the consumer; or
(ii) to review an account to determine whether the consumer continues to meet the terms of the account.
(4) In response to a request by the head of a State or local child support enforcement agency (or a State or local government official authorized by the head of such an agency), if the person making the request certifies to the consumer reporting agency that
(A) the consumer report is needed for the purpose of establishing an individual's capacity to make child support payments or determining the appropriate level of such payments;
(B) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises (if required by those laws);
(C) the person has provided at least 10 days' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested; and
(D) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph (A), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
(5) To an agency administering a State plan under Section 454 of the Social Security Act (42 U.S.C. § 654) for use to set an initial or modified child support award.
The FCRA can be viewed in its entirety at http://www.ftc.gov/os/statutes/fcra.htm
Please be advised: The Fair Credit Reporting Act restricts the use of information contained throughout this site for making consumer credit decisions, insurance underwriting, employment screening, or tenant screening. Furthermore, local and state laws may restrict use of criminal record data for other purposes. Information within this site shall not be used for any FCRA purpose and/or otherwise in violation of any and all applicable law(s). In addition, information contained herein is derived solely from public records, which may not be 100 percent accurate, up-to-date, and/or complete. Users should not assume that this data provides a complete or accurate history of any person’s criminal and/or public filing history. Users should consult state and federal laws before using this information in making decisions on hiring or firing employees. FindOutTheTruth.com, Inc. assumes no liability for any claims for damages arising from the use of this data beyond the actual cost of the searches performed. For more information please click here.
Drivers Privacy Protection Act (DPPA)
The Driver's Privacy Protection Act of 1994 (also referred to as the "DPPA"), Title XXX of the Violent Crime Control and Law Enforcement Act, is a United States federal statute governing the privacy and disclosure of personal information gathered by state Departments of Motor Vehicles.
The law was passed in 1994. It was introduced by Rep. Jim Moran of Virginia in 1992, after an increase in opponents of abortion rights using public driving license databases to track down and harass abortion providers and patients. Prominent among such cases was physician Susan Wicklund, who faced protests and harassment including her house being picketed for a month. The law is currently codified at Chapter 123 of Title 18 of the United States Code.
Please click here for more information and permissible purposes regarding the DPPA.
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