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303-455-8855
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888-455-4771/303-455-4771
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1-800-315-7678
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User Agreement, Security Statement, Privacy Policies, Copyright, Fair Credit Reporting Act
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There are a number of Terms and Conditions that apply to our business operations, to the information that we are contracted to
supply, and to our clients' use of this information. Below you will find the details of Backgrounds USA’s Privacy Policies, Security
Policies and Terms of User Agreement. Click on any link below for the full text in both HTML and PDF format.
Use of this web site constitutes acceptance of our Terms and Conditions.
Our
Forms and Information
page is where you can download any of the forms which may be required in the ordering process. You will also find full text of
the following terms, conditions and information with regard to BackgroundsUSA™.
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User Agreement
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There are restrictions and limitations to the data that BackgroundsUSA™ supplies to our
clients and agents. This page clearly outlines our responsibilities and yours, with regards to the background search services that we provide.
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Security Statement
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BackgroundsUSA™ takes every precaution to protect our users' information. When users submit sensitive information via the
website, the information is protected both online and offline by 128-bit encryption and a Geotrust Certificate displayed at the
bottom of every secure page.
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Privacy Policy
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Be assured, we do not use, sell or distribute any of the information that we collect from you in the
course of our investigations. BackgroundsUSA™ collects information from our users at several different points on our
website and uses the information for internal marketing and administration purposes only.
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Copyright
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Copyright © 1996 through 2015
BackgroundsUSA™ current legal address is 1760 Gaylord Street, Denver, Colorado, 80206, U.S.A.
All rights reserved.
Our
Copyright
page has the full text of our copyright statement.
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Fair Credit Reporting Act (FCRA)
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The use of the information and reports provided by Backgrounds USA are subject to the restrictions and conditions laid out in the Fair Credit
Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., INCLUDING the amendments to the FCRA set forth in the Consumer Credit Reporting
Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated
Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the Intelligence Authorization for
Fiscal Year 1998 (Public Law 105-107), the Consumer Reporting Employment Clarification Act of 1998 (Public Law 105-347), Section
506 of the Gramm-Leach-Bliley Act (Public Law 106-102), and Sections 358(g) and 505(c) of the Uniting and Strengthening
America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act) (Public Law
107-56). The complete text of FRCA can be found on our
FRCA
page.
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Fair and Accurate Credit Transaction Act (FACTA)
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An amendment to the FCRA (see above), "The Fair and Accurate Credit Transaction Act"
(known as FACTA) is designed to "to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of
consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes."
Implemented on June 1st, 2005, the "
Disposal Rule
," requires that, "any person and/or business who maintains or otherwise possesses consumer information for a
business purpose must properly dispose of such information using reasonable measures to protect against unauthorized access to or
use of the information in connection with its disposal," thereby reducing the risk of consumer fraud and identity theft.
BackgroundsUSA implemented a system 7 years ago whereby all un-needed "waste" documents containing sensitive information are
consigned to designated disposal areas, and then shredded to render them unreadable. Documents that we are required by law to
store for 2 to 4 years (depending on the type of document and nature of the information recorded) are kept in a secure and
locked facility, and then are disposed of by a FACTA compliant disposal company, Bayaud Industries Document Destruction Services.
The complete text of FACTA can be found on our
FACTA
page.
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Freedom of Information Act
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The full text of the Freedom of Information Act as amended in 2002 by Public Law No. 104-231, 110 Stat. 3048 can be found
here
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