Credit Bureau Identity and Fraud Services. I. Client certifies that it will use Credit Bureau identity and fraud services (“IFS Services”) exclusively within Client’s own organization for the purpose of verifying the identity of individual persons (ID Subjects) who initiates a business transaction with the Client and not for any other purpose; and that it will use and ensure that its employees’ access to the IFS Services is in accordance with the terms of the Client agreement.
Credit Bureau Identity and Fraud Services. Client certifies that it will use Credit Bureau identity and fraud services (“IFS Services”) exclusively within Clients own organization for the purpose of verifying the identity of individual persons (ID Subjects) who initiates a business transaction with the Client and not for any other purpose; and that it will use and ensure that its employees access to the IFS Services is in accordance with the terms of the Client Agreement. Client acknowledges and agrees that the IFS Services do not guarantee the identity of the ID Subject, but merely provide a risk assessment regarding the ID Subject’s identity that is derived, in part, from information provided by the ID Subject or otherwise collected from an ID Subjects use of the IFS Services and relayed by Client to Credit Bureau (“ID Subject Content”); and that in connection with certain IFS Services; (i) Client will establish a risk decision threshold above which the ID Subject is verified or authenticated, depending on the applicable Service, and below which the ID Subject is not verified or authenticated (“Risk Decision Threshold”) and Credit Bureau may act as a consultant to review Client’s risk strategies, but Client, in its sole discretion, will set its Risk Decision Threshold(s); and (ii) that depending upon Client’s Risk Decision Threshold an ID Subject may be able to successfully pass verification and authentication even though the individual submitting the ID Subject Content is not the actual individual to whom the ID Subject Content pertains. Client shall not maintain, copy, capture, reproduce, re-use or otherwise retain in any manner the interactive questions or multiple choice answers provided as part of the IFS Services (“Queries”), the ID Subject responses to the Queries (“Answers”) or the scores, flags and reason codes generated or other information relating to such Queries and Answers provided by the IFS Services (Scores); provided, however, that Client may capture and retain the unique transaction number generated by the IFS Services with each transaction (each a “Transaction ID” solely for the purpose of (i) audit trail; (ii) calculation of the amount of usage of IFS Services; and (iii) billing. Without limiting the generality of the foregoing, Client shall not retain or make copies of, and must purge from its system, the Queries and Answers prior to Client’s receipt of any Score relating to such Queries and Answers; and in the event Client receives the IFS Services at its call center (or cal...
