BrightScreen Privacy Policy

Effective January 20, 2025

Introduction

BrightScreen ("we", "us", "our", or "Company") is a consumer reporting agency committed to protecting the privacy and security of your personal information. We provide information about consumers to various clients for permissible purposes under the Fair Credit Reporting Act (FCRA), including credit lending, tenant screening, and employment background checks. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information.

By using our services or visiting our website, you acknowledge and agree to the terms and conditions of this Privacy Policy. If you do not agree with any part of this Privacy Policy, please do not use our services or access our website.

Information Collection

We may collect and process the following types of personal information:

• Identifiers: Name, address, email address, phone number, date of birth, Social Security number, driver's license number, etc.
• Characteristics of protected classifications: Racial or ethnic origin, sexual orientation, immigration or citizenship status (if required for permissible purposes).
• Financial information: Credit history, credit scores, account balances, payment history, etc.
• Commercial information: Records of purchases, products or services obtained, etc.
• Internet or other electronic network activity information: IP address, browsing history, search history, website interaction data, etc.
• Professional or employment-related information: Employer, job title, income, employment history, etc.
• Education information: Educational institutions attended, degrees, professional training, etc.
• Public records: Bankruptcies, liens, judgments, criminal records, civil legal matters, etc.
• Rental history: Previous addresses, landlord information, rental payment history, etc.
• Inferences drawn from the above information: Profiles reflecting your preferences, characteristics, behavior, abilities, and aptitudes.
• Additional supporting documentation: Any further information provided in connection with our services.

How We Collect Your Information

• Directly from you: When you submit information through our website, forms, or correspond with us.
• From third parties: Public record sources, credit agencies, educational institutions, employers, landlords, and other background check providers, as permitted under the FCRA.
• Automatically collected information: Technical and usage data when you visit our website, including cookies (small data files stored on your device).

Information Disclosure

We may disclose your personal information for permissible purposes under the FCRA to:

• Creditors, lenders, and financial institutions
• Landlords and property management companies
• Employers and potential employers
• Government agencies and public entities
• Insurance companies
• Collection agencies and debt buyers

We may also disclose your information if required to do so by law, in response to legal process, or to protect the rights, property, or safety of BrightScreen, our clients, and others.

Information Retention

We retain your personal information as follows:

• General Retention: For as long as necessary to fulfill the purposes for which it was collected or to comply with legal, regulatory, or contractual requirements.
• Background Screening Data Default Maximum: A maximum of three (3) years, unless a longer period is specified by applicable law or contract.

Security Measures

We implement reasonable physical, technical, and administrative safeguards to protect your personal information. While we strive to ensure the security of your data, please note that no method of transmission or storage is completely secure.

Your Rights

You have the following rights under the FCRA and potentially other applicable laws:

• Access and Correction: You have the right to access and request corrections to your personal information.
• Free Annual Credit Report: You can obtain a free credit report annually.
• Opt-Outs: You may opt-out of certain information sharing, such as for marketing purposes. Opt-out links are generally provided in marketing materials.
• Fraud Alerts and Security Freezes: You can place a fraud alert or security freeze on your credit file if you suspect identity theft.
• Additional State Rights: If you reside in California, Colorado, Connecticut, or Virginia, you may have additional rights regarding your personal information.

Exercising Your Rights

Contact our Compliance team through our website, phone, or email to exercise your rights. We may require additional information to verify your identity.

By email: [email protected]

By webform: 

By phone: (832)521-4004

Privacy Policy Changes

We may update this policy periodically.  If we make changes, we will update the effective date at the top of the policy. Your continued use of our services signifies your acceptance of the revised policy.