Common use of Credit History Information Clause in Contracts

Credit History Information. If Client chooses to order credit reports from AAIM, it certifies the following: 1. If Client is an employer, Client understands that at least ten (10) states and certain municipalities impose requirements and/or restrictions on employers intending to use credit reports for employment purposes. For example, Nevada and Illinois only permit employers to consider credit reports if the Consumer is working or will be working in a certain capacity. Likewise, states such as California and Colorado require that Consumers receive certain additional notifications before a credit check for employment purposes is conducted. Client certifies that it will comply with any and all legal requirements or restrictions pertaining to its use of credit reports identified by AAIM. 2. Client acknowledges that special requirements are imposed by credit bureaus before access to credit history information may be provided. Client therefore agrees to the following: a. Client shall make no employment decisions based solely on credit bureau alerts/warnings regarding addresses and/or Social Security Numbers. b. Client shall permit a physical site inspection of its premises. The cost for the site inspection will be billed to Client. XXXX will arrange for an inspector to come to Client’s location. c. Client shall ensure security programs and appropriate access requirements are in place, the purpose being to prevent unauthorized ordering, accessing, and/or unauthorized viewing of consumer information; Client shall also inform all accessing employees that they may not access their personal information, information of friends and/or relatives or any other person unless it is for legitimate business purposes. d. To the extent Client is eligible to receive credit scores (“Scores”), Client shall only do so for its own exclusive use. Client may store Scores solely for Client’s own use in furtherance of Client’s original purpose for obtaining the Scores. Client shall not use the Scores for model development or model calibration and shall not reverse engineer the Score. All Scores provided hereunder will be held in strict confidence by Client and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any person, except (i) to those employees of Client with a need to know and in the course of their employment; (ii) to those third party processing agents and other contractors of Client who have executed an agreement that limits the use of the Scores by the third party only to the use permitted to Client and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score; (iv) to government regulatory agencies; or (v) as required by law. Moreover, unless otherwise explicitly authorized in an agreement between AAIM and Client for Scores obtained from a credit bureau, or as explicitly otherwise authorized in advance and in writing by a credit bureau through AAIM, Client shall not disclose to consumers or any third party, any or all such scores provided under this Agreement, unless required by law. e. Client shall release and indemnify the credit reporting agency from all liability arising from the Client’s unauthorized access, improper use, or reliance on consumer credit information provided pursuant to this agreement. f. Client shall comply with any other requirement imposed by a credit reporting agency, so long as AAIM makes Client aware of such a requirement.

Credit History Information. If Client chooses to order credit reports from AAIMOPE Nonline, it certifies the following: 1. If Client is an employer, Client understands that at least ten (10) states and certain municipalities impose requirements and/or restrictions on employers intending to use credit reports for employment purposes. For F or example, Nevada and Illinois only permit employers to consider credit reports if the Consumer C onsumer is working or will be working in a certain capacity. Likewise, states such as California C alifornia and Colorado require that Consumers C onsumers receive certain additional notifications before a credit check for employment purposes is conducted. Client C lient certifies that it will comply with any and all legal requirements or restrictions pertaining to its use of credit reports identified by AAIMOPE Nonline. 2. Client C lient acknowledges that special requirements are imposed by credit bureaus before access to credit history information may be provided. Client C lient therefore agrees to the following: a. Client shall make no employment decisions based solely on credit bureau alerts/warnings regarding addresses and/or Social Security NumbersS ocial S ecurity numbers. b. Client shall permit a physical site inspection of its premises. The cost for the site inspection will be billed to ClientC lient. XXXX OPE Nonline will arrange for an inspector to come to Client’s 's location. F or residential offices, the inspection and fee will be annual. c. Client shall ensure security programs and appropriate access requirements are in place, the purpose being to prevent unauthorized ordering, accessing, and/or unauthorized viewing of consumer information; Client shall also to inform all accessing employees that they may not access their personal information, information of friends and/or relatives or any other person unless it is for legitimate business purposes. d. To the extent Client C lient is eligible to receive credit scores (“Scores”"S cores"), Client C lient shall only do so for its own exclusive use. Client may store Scores S cores solely for Client’s C lient's own use in furtherance of Client’s 's original purpose for obtaining the ScoresS cores. Client C lient shall not use the Scores S cores for model development or model calibration and shall not reverse engineer the ScoreS core. All Scores S cores provided hereunder will be held in strict confidence by Client and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any personPerson, except (i) to those employees of Client C lient with a need to know and in the course of their employment; (ii) to those third party processing agents and other contractors of Client who have executed an agreement that limits the use of the Scores S cores by the third party only to the use permitted to Client C lient and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the ScoreS core; (iv) to government regulatory agencies; or (v) as required by law. Moreover, unless otherwise explicitly authorized in an agreement between AAIM OPE Nonline and Client C lient for Scores scores obtained from a credit bureau, or as explicitly otherwise authorized in advance and in writing by a credit bureau through AAIMOPE Nonline, Client shall not disclose to consumers or any third party, any or all such scores provided under this Agreement, unless required by law. e. Client shall release and indemnify the credit reporting agency from all liability arising from the Client’s 's unauthorized access, improper use, or reliance on consumer credit information provided by the C ompany pursuant to this agreement. f. Client shall comply with any other requirement imposed by a credit reporting agency, so long as AAIM OPE Nonline makes Client aware of such a requirement.

Credit History Information. If Client chooses to order credit reports from AAIMOPENonline, it certifies the following: 1. If Client is an employer, Client understands that at least ten (10) states and certain municipalities impose requirements and/or restrictions on employers intending to use credit reports for employment purposes. For example, Nevada and Illinois only permit employers to consider credit reports if the Consumer is working or will be working in a certain capacity. Likewise, states such as California and Colorado require that Consumers receive certain additional notifications before a credit check for employment purposes is conducted. Client certifies that it will comply with any and all legal requirements or restrictions pertaining to its use of credit reports identified by AAIMOPENonline. 2. Client acknowledges that special requirements are imposed by credit bureaus before access to credit history information may be provided. Client therefore agrees to the following: a. Client shall make no employment decisions based solely on credit bureau alerts/warnings regarding addresses and/or Social Security Numbersnumbers. b. Client shall permit a physical site inspection of its premises. The cost for the site inspection will be billed to Client. XXXX OPENonline will arrange for an inspector to come to Client’s location. For residential offices, the inspection and fee will be annual. c. Client shall ensure security programs and appropriate access requirements are in place, the purpose being to prevent unauthorized ordering, accessing, and/or unauthorized viewing of consumer information; Client shall also to inform all accessing employees that they may not access their personal information, information of friends and/or relatives or any other person unless it is for legitimate business purposes. d. To the extent Client is eligible to receive credit scores (“Scores”), Client shall only do so for its own exclusive use. Client may store Scores solely for Client’s own use in furtherance of Client’s original purpose for obtaining the Scores. Client shall not use the Scores for model development or model calibration and shall not reverse engineer the Score. All Scores provided hereunder will be held in strict confidence by Client and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any personPerson, except (i) to those employees of Client with a need to know and in the course of their employment; (ii) to those third party processing agents and other contractors of Client who have executed an agreement that limits the use of the Scores by the third party only to the use permitted to Client and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score; (iv) to government regulatory agencies; or (v) as required by law. Moreover, unless otherwise explicitly authorized in an agreement between AAIM OPENonline and Client for Scores scores obtained from a credit bureau, or as explicitly otherwise authorized in advance and in writing by a credit bureau through AAIMOPENonline, Client shall not disclose to consumers or any third party, any or all such scores provided under this Agreement, unless required by law. e. Client shall release and indemnify the credit reporting agency from all liability arising from the Client’s unauthorized access, improper use, or reliance on consumer credit information provided by the Company pursuant to this agreement. f. Client shall comply with any other requirement imposed by a credit reporting agency, so long as AAIM OPENonline makes Client aware of such a requirement.

Credit History Information. If Client chooses to order credit reports from AAIMOPENonline, it certifies the following: 1. If Client is an employer, Client understands that at least ten (10) states and certain municipalities impose requirements and/or restrictions on employers intending to use credit reports for employment purposes. For example, Nevada and Illinois only permit employers to consider credit reports if the Consumer is working or will be working in a certain capacity. Likewise, states such as California and Colorado require that Consumers receive certain additional notifications before a credit check for employment purposes is conducted. Client certifies that it will comply with any and all legal requirements or restrictions pertaining to its use of credit reports identified by AAIMOPENonline. 2. Client acknowledges that special requirements are imposed by credit bureaus before access to credit history information may be provided. Client therefore agrees to the following: a. Client shall make no employment decisions based solely on credit bureau alerts/warnings regarding addresses and/or Social Security Numbersnumbers. b. Client shall permit a physical site inspection of its premises. The cost for the site inspection will be billed to Client. XXXX OPENonline will arrange for an inspector to come to Client’s 's location. For residential offices, the inspection and fee will be annual. c. Client shall ensure security programs and appropriate access requirements are in place, the purpose being to prevent unauthorized ordering, accessing, and/or unauthorized viewing of consumer information; Client shall also to inform all accessing employees that they may not access their personal information, information of friends and/or relatives or any other person unless it is for legitimate business purposes. d. To the extent Client is eligible to receive credit scores (“"Scores”"), Client shall only do so for its own exclusive use. Client may store Scores solely for Client’s 's own use in furtherance of Client’s 's original purpose for obtaining the Scores. Client shall not use the Scores for model development or model calibration and shall not reverse engineer the Score. All Scores provided hereunder will be held in strict confidence by Client and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any personPerson, except (i) to those employees of Client with a need to know and in the course of their employment; (ii) to those third party processing agents and other contractors of Client who have executed an agreement that limits the use of the Scores by the third party only to the use permitted to Client and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score; (iv) to government regulatory agencies; or (v) as required by law. Moreover, unless otherwise explicitly authorized in an agreement between AAIM OPENonline and Client for Scores scores obtained from a credit bureau, or as explicitly otherwise authorized in advance and in writing by a credit bureau through AAIMOPENonline, Client shall not disclose to consumers or any third party, any or all such scores provided under this Agreement, unless required by law. e. Client shall release and indemnify the credit reporting agency from all liability arising from the Client’s 's unauthorized access, improper use, or reliance on consumer credit information provided by the Company pursuant to this agreement. f. Client shall comply with any other requirement imposed by a credit reporting agency, so long as AAIM OPENonline makes Client aware of such a requirement.

Credit History Information. If Client chooses to order credit reports from AAIMSapphire Check, it certifies the following: 1. : If Client is an employer, Client understands that at least ten (10) states and certain municipalities impose requirements and/or restrictions on employers intending to use credit reports for employment purposes. For example, Nevada and Illinois only permit employers to consider credit reports if the Consumer is working or will be working in a certain capacity. Likewise, states such as California and Colorado require that Consumers receive certain additional notifications before a credit check for employment purposes is conducted. Client certifies that it will comply with any and all legal requirements or restrictions pertaining to its use of credit reports identified by AAIM. 2Sapphire Check. Client acknowledges that special requirements are imposed by credit bureaus before access to credit history information may be provided. Client therefore agrees to the following: a. : Client shall make no employment decisions based solely on credit bureau alerts/warnings regarding addresses and/or Social Security Numbers. b. . Client shall permit a physical site inspection of its premises. The cost for the site inspection will be billed to Client. XXXX Sapphire Check will arrange for an inspector to come to Client’s location. c. . For residential offices, the inspection and fee will be annual. Client shall ensure security programs and appropriate access requirements are in place, the purpose being to prevent unauthorized ordering, accessing, and/or unauthorized viewing of consumer information; Client shall also inform all accessing employees that they may not access their personal information, information of friends and/or relatives or any other person unless it is for legitimate business purposes. d. . To the extent Client is eligible to receive credit scores (“Scores”), Client shall only do so for its own exclusive use. Client may store Scores solely for Client’s own use in furtherance of Client’s original purpose for obtaining the Scores. Client shall not use the Scores for model development or model calibration and shall not reverse engineer the Score. All Scores provided hereunder will shall be held in strict confidence by Client and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any person, except (i) to those employees of Client with a need to know and in the course of their employment; (ii) to those third party processing agents and other contractors of Client who have executed an agreement that limits the use of the Scores by the third party only to the use permitted to Client and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score; (iv) to government regulatory agencies; or (v) as required by law. Moreover, unless otherwise explicitly authorized in an agreement between AAIM Sapphire Check and Client for Scores obtained from a credit bureau, or as explicitly otherwise authorized in advance and in writing by a credit bureau through AAIMSapphire Check, Client shall not disclose to consumers or any third party, party any or all such scores provided under this Agreement, unless required by law. e. . Client shall release and indemnify the credit reporting agency bureau from all liability arising from the Client’s unauthorized access, improper use, or reliance on consumer credit information provided pursuant to this agreement. f. . Client shall comply with any other requirement imposed by a credit reporting agencybureau, so long as AAIM Sapphire Check makes Client aware of such a requirement.