Understanding the FCRA

The Fair Credit Reporting Act (FCRA) regulates how and when information about you can be utilized. Generally speaking, when an employment, credit, or tenant screening decision is being made about you, the entity receiving your information must provide you with two things:

• Notice that they will be accessing your public or private record information.
• Disclosure regarding where they received this information if an adverse decision is made.

Entities that provide this information to employers, landlords, or mortgage brokers, among others, are known as Consumer Reporting Agencies (CRAs).

According to the Fair Credit Reporting Act (FCRA), Identity Search AI is not a Consumer Reporting Agency. This means there are a number of restrictions on how you can use Identity Search AI. Below is a brief summary of these restrictions. We encourage you to educate yourself on the FCRA.

Identity Search AI was built for the everyday consumer to access public records, both to look up themselves and others.

You are strictly restricted from using Identity Search AI for:

• Employment Screening: Evaluating a person for employment, reassignment, promotion, or retention.
• Hiring Household Workers: Including, but not limited to, nannies and domestic workers.
• Tenant Screening: Including, but not limited to, leasing a residential or commercial space.
• Educational Qualification: Assessing a person's qualifications for an educational program or scholarship.
• Credit or Insurance: Assessing the risk of existing credit obligations or determining eligibility for issuing credit or insurance.
• Business Transactions: Reviewing a personal customer account to determine whether the person continues to meet the terms of the account.

Using Identity Search AI for any of these purposes violates both our Terms & Conditions and the law, which can lead to civil and criminal penalties. We take this very seriously and reserve the right to terminate user accounts and/or report violators to law enforcement.

If you are not sure whether your desired use of information obtained from Identity Search AI complies with these restrictions, please contact us at support@identitysearch.ai before conducting any queries.