Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individuals identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

ASIC People Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Australia Document Verification Service (DVS)

Permitted Purpose (applicable to all DVS services except for “DVS – Electoral Roll” service): Verifying an individual’s identity, age or address information for lawful purposes of identity verification related to the organization’s activities or functions.

Permitted Purpose applicable to “DVS – Electoral Roll” service: Verifying address details for the purposes of the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) or the Financial Transactions Reports Act 1988 (Cth).

Additional Obligations (applicable to all DVS services): To access this Service, Customer must comply with the Privacy Act 1988 and/or the New Zealand Privacy Act 1993 (as applicable), and agree to the Document Verification Service (DVS) Business User Terms and Conditions of Use. References to “You” in DVS Business User Terms and Conditions of Use shall mean Customer. Use of DVS requires an additional application directly to the Australian Government DVS with Trulioo Information Services Inc. selected as the Gateway Service Provider. This Service is only available to Australia or New Zealand regulated businesses with a physical presence in Australia or New Zealand, and subject to local civil and criminal laws. Use of this Service is limited to the sole purpose of matching the information provided by the Consumer as evidence of identity. Results returned from this Service may not be used as the sole basis for a decision to enroll or not enroll an individual for benefits or services. Prior authorization and express consent to the provision, access, disclosure, use and transmission of all personal information involved in this Service is required. Consumers must be advised that the identifying information will be checked with the issuing authority and the legal authority for the identity verification transaction. Customer hereby appoints Trulioo as its Agent for the purpose of obtaining the DVS information as a part of its customer identification processes. Any non-compliance by Customer with the Business User Terms and Conditions of Use (referenced above) may result in immediate termination of Customer’s access to and use of this Service. Customer must meet all requirements and comply with all guidelines advised by the Australian DVS Manager to be considered a ‘regulated entity’. All disclaimers, exclusions, limitations of liability, and indemnities that benefit Trulioo and are set forth in the Services Agreement (or other agreement between Trulioo and Customer that references these terms) shall also benefit and be enforceable by the Commonwealth of Australia, Department of Home Affairs, solely to the extent they apply to Customer’s use of this Service.

Citizen 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Consumer

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the customer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer warrants that it will comply with the Privacy Act, the Do Not Call Register Act and any other applicable laws related to access and use of this Service. Customer may only use results returned from this Service within the territorial limits of Australia. Customer must immediately notify Trulioo of any unauthorized access to or use of the data (“Misused Data”) returned by this Service and do all things necessary to recover the Misused Data and/or prevent any continued unauthorized use of the Misused Data. Customer agrees to indemnify and hold the applicable Data Provider harmless from and against any and all third party claims, actions, losses, damages, liabilities, costs and expenses arising out of or in connection with Customer’s use of the results returned by this Service.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau

Permitted Purpose: Carrying out an applicable customer identification procedure under the Anti-Money Laundering and Counter – Terrorism Financing Act 2006 or otherwise in accordance with applicable Australian laws.

Additional Obligations: Customer represents and warrants that Customer meets the following criteria: i) Customer is required to conduct identity validation; and ii) is authorized at law to utilize data provided by a Credit Reporting Body for identity validation purposes.  Customer shall take appropriate technical and organizational measures against unauthorized or unlawful processing of, and against accidental loss or destruction of, or damage to the Results. Customer shall permit Trulioo and its authorized agents to audit Customer, upon reasonable notice, for the purpose of ascertaining whether these Service Specific Terms have been and are complied with by Customer during Customer’s use of this Service and for a period of three months after Customer ceases to use this Service. Neither this Data Provider nor Trulioo represents or warrants that the Results returned from this Service complies with laws of any country outside Australia. If Customer receives or uses Results returned from this Service from outside Australia, Customer does so at its own risk an dis responsible for ensuring compliance with all applicable laws.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer must have an existing or prospective business relationship with each Consumer and must obtain the consent of each Consumer in hardcopy or electronic form prior to conducting a verification for: (i) a search to be carried out on a one-off basis, or (ii) searches to be carried out on an ongoing basis, provided that any such consent will be deemed to have expired 3 calendar months from the date on which it was given. Customer agrees to provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer must make provision for each individual to withdraw consent: (a) before the search is carried out, if consent is given on a one-off basis, or (b) before any search is carried out or before any further searches are carried out, if consent is given on a continuing basis. Customer agrees to comply with the Australia Privacy Act 1988 in relation to personal information provided to Trulioo.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 3

Permitted Purpose: Validating a consumer’s identity for the purposes of fraud avoidance, identity verification, or transaction authentication in connection with a commercial transaction undertaken by the consumer with Customer. Must not be used for verifying worthiness or eligibility for credit, insurance or employment.

Additional Obligations: Customer must obtain all Consumer consents necessary to provide consumer data to Trulioo and its third party Data Partners. Customer must have published and maintain a terms of service and privacy policy which are accessible by Consumers, and notify Trulioo of any material changes to these policies.

Resident Files 4

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Tenancy File

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer must be approved by this Data Provider prior to using this Service. Customer must obtain the appropriate consent from the individual being verified or have a legitimate interest to provide the individual’s data for processing, in accordance with applicable laws. Results provided by this Service may not be: (i) transferred to any third parties; (ii) used for marketing purposes; or (iii) used as the sole means to refuse to onboard or provide services to a Consumer submitting their information for verification. Customer agrees to comply with the Swiss federal Data Protection Act and the provisions of the Swiss federal Data Protection Ordinance when using this Service.

Credit Agency 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client’s obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Citizen 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Bureau (Credit Bureau)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau (Resident Files)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau (Telephone File)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Government (formerly Consumer 3)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes including age verification, fraud prevention or anti-money laundering.

Credit Agency 3

Permitted Purpose: A direct, internal business need for the information connected to a business transaction concerning the consumer, including to verify a consumer’s identity and for know your client obligations under applicable legislation. May only be used for fraud prevention or credit defense.

Enhanced Credit 1

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but not including for the purposes of determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must inform the data subject that their personal information will be shared with SERPRO for the Permitted Purpose, when obtaining the data subject’s express consent. The data subject must consent to sharing their CPF number with SERPRO and to SERPRO returning their name, registration status and date of birth/death (as applicable).

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau

Permitted Purpose: A direct business need for the information in connection with a business or credit transaction involving the consumer.

Additional Obligations: Customer must obtain the appropriate active and informed consent from each individual Consumer in accordance with applicable Canadian privacy law for the collection, disclosure and use of personal information about such consumer prior to submitting a verification request in relation to this Service. Customer agrees to comply with Canadian consumer reporting legislation and privacy law when using this Service.

Customer cannot operate in any of the following types of businesses:

a. Adult entertainment service of any kind (but not including legal online gaming);

b. Bail bondsman (unless licensed by the province in which they are operating);

c. For-profit credit counseling agency;

d. Credit repair agency;

e. Dating service;

f. Financial counseling (except a registered securities broker dealer);

g. Genealogical or heir research firm;

h. Massage service;

i. Pawn shop;

j. Investigative service company;

k. Company that handles third party repossession;

l. Subscriptions (magazines, books, music, etc.);

m. Time share;

n. Asset location service;

o. News agency or journalist;

p. Any other organization whose activities are illegal, illicit, or immoral or offensive to a reasonable person.

Credit Bureau 2

Permitted Purpose: Verifying an individual’s identity, age or address information for Customer’s internal business purposes and may not be used to determine a Consumer’s eligibility for credit.

Additional Obligations: Customer must:

a) agree to Equifax Canada’s End User Terms of Use.

b) be approved by this Data Provider prior to using this Service. For the purposes of such approval, Customer agrees to provide the details set out in the End User Information Form.

c) not operate in any of the following industries:

i)   Adult entertainment services of any kind;

ii)  Companies that handle physical third party repossession;

iii) Companies that locate missing children;

iv)  Dating services;

v)   Massage services;

vi)  Tattoo services;

vii) Companies that charge advance fees for debt or mortgage assistance relief (excluding refinancing of a dwelling loan or services offered by attorneys) or any debt settlement company, regardless of advance fee restrictions; or

viii) Private investigation or detective services (excluding skip tracing for collections or assessing with pre-employment services with written consent).

Enhanced Credit 1 – powered by Equifax Canada(r) AML Assist

Permitted Purpose: This Service may be used for Customer’s internal business purposes only, including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations:

a) Customer must agree to Equifax Canada’s End User Terms of Use.

b) Results received from this Data Provider cannot be accessed, used or stored in any of the following countries: Afghanistan, Belarus, Burma (Myanmar), Burkina Faso, Burundi, China, Central African Republic, Cuba, Democratic Republic of Congo, Egypt, Ethiopia, Haiti, Hong Kong, Iran, Iraq, Lebanon, Libya, Mali, Nigeria, North Korea (DPRK), Palestine, Russia, Senegal, Somalia, South Sudan, Sudan, Syria, Ukraine (Crimea Region, Donetsk Region, Luhansk Region, Kherson oblast, Zaporizhzhia oblast), Venezuela, Yemen, Zimbabwe.

c) Customer must only use this Service as permitted by and in compliance with applicable laws, including applicable provincial and federal privacy and credit reporting legislation. Customer must obtain any required consent from and give any notice to a Consumer that is required by law, including applicable privacy legislation before submitting any data as part of this Service. Customer warrants that it has the necessary authority to submit data to this Service in order to receive AML Assist and Equifax information.

Enhanced Credit 1 – powered by Equifax Canada(r) AML Assist Add-On

Additional Obligations: In order to access this Add-On Service, Customer must have previously procured or concurrently procure the following Person Match Services in Canada: (i) Enhanced Credit 1 – powered by Equifax Canada(r) AML Assist; (ii) Utility Mobile Telco; and (iii) Mobile Number Validation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering. Customer must have a direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Utility Mobile Telco

Permitted Purpose: Verifying an individual’s identity.

Additional Obligations:

a) Customer must be approved by this Data Provider prior to receiving access to this Service.

b) Prior to submitting a verification request, Customer must obtain express consent from each Consumer (in accordance with all applicable privacy laws) to authorize and permit the relevant mobile network operator, Data Provider, and Trulioo to disclose the Consumer’s information held by the relevant mobile network operator to Customer for the purpose of verifying the identity of such Consumer. Customer must maintain a log of Consumer consents for all verification transactions and provide evidence of such consents to Trulioo upon Trulioo’s request and permit Trulioo to share such evidence with Data Provider. If Customer does not provide evidence of such consents upon request, access to this Service may be suspended with immediate effect.
c) Customer agrees to comply with the terms set forth in the End User Consent Security and Privacy Policies (“End User Consent; Security and Privacy Policies”).  References to “Aggregator”, “End User” and “Approved Merchant” in the End User Consent; Security and Privacy Policies” will mean Trulioo, Consumer and Customer, respectively.

d) If or when using the Service from this Data Provider for internal evaluation purposes, Customer must destroy all Results received from this Data Provider within thirty (30) days of receipt.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Bank Card

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

China National ID

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

China National ID 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Utility Mobile Telco 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Utility Mobile Telco 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Utility Mobile Telco 4

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislations.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer must be approved by this Data Provider prior to using this Service. Customer must obtain the appropriate consent from the individual being verified or have a legitimate interest to provide the individual’s data for processing, in accordance with applicable laws. Results provided by this Service may not be: (i) transferred to any third parties; (ii) used for marketing purposes; or (iii) used as the sole means to refuse to onboard or provide services to a Consumer submitting their information for verification. Customer agrees to comply with the Swiss federal Data Protection Act and the provisions of the Swiss federal Data Protection Ordinance when using this Service.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated fr

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen File

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

DK Civil Registration System

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of each Consumer  which shall include the access, use and storage of any identity verification or check made against the Consumer and to comply with any other obligations required by applicable laws. Customer’s consent language must include reference to the fact that personal data will be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

DK Telephone Directory

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of each Consumer which shall include the access, use and storage of any identity verification or check made against the Consumer and any other obligations required by law. Customer’s consent language must include reference to the fact that personal data will be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under the applicable legislation.

Population Registry

Permitted Purpose: A direct business need for the information in connection with a business or credit transaction involving the Consumer.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct internal business need for the information in connection with a business transaction involving the Consumer, including to verify Consumer identity and perform know your client obligations under applicable legislation, provided that such use is in accordance with the provisions of Dominican Republic Law No. 172-13 on the Protection of Personal Data.

Additional Obligations: Customer must not use this Service to violate or threaten interests of third parties or for any illicit purposes.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Identity verification, age verification and anti-money laundering, but must not be used for direct marketing purposes.

Additional Obligations: Customer must inform its Consumers that personal information collected and stored by this Data Provider is treated according to the Swedish Personal Information Law (Personuppgiftslaggen) (1998:204).

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention in the context of commercial operations or online purchases.

Consumer 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Consumer 4

Permitted Purpose: Must not be used as a factor in establishing an individual’s creditworthiness or eligibility for credit, insurance or employment.

Additional Obligations: Customer must ensure there is a legal basis under applicable laws relating to privacy and/or data protection to provide the data to Trulioo and its third party Data Partner and that the Consumers have been notified of the purposes for which their data shall be processed by third parties.

Consumer 5

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 4

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 5

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a Consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Utility – Telco 

 *includes access to:

Phronesis

Permitted Purpose: Verifying an individual’s identity, fraud prevention, anti-money laundering and complying with legal obligations including, without limitation, KYC and AML obligations.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer shall make the infoscore Consumer Data GmbH notice (https://www.experian.de/icd-infoblatt) available to data subjects.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Agency 2

Permitted Purpose: Fraud prevention and anti-money laundering.

Additional Obligations: Customer must retain evidence regarding the legitimacy of the verification request for a minimum of 5 years. Customer will provide such evidence to Trulioo upon request and authorize Trulioo to share such evidence with this Data Partner.

Credit Agency 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Additional Obligations: Customer must have a legitimate interest in verifying the personal data being provided to Trulioo and retain evidence of its legitimate interest for at least 12 months. Customer must make evidence of such legitimate interest available to Trulioo upon request and authorize Trulioo to share such evidence with this Data Partner. Customer agrees that this Data Provider may retain data submitted through this Service for a period of 3 years for audit purposes.

Credit Agency 4

Permitted Purpose: Verifying or contributing to the verification of the identity of an individual.

Additional Obligations:

a) Customer must have a lawful requirement for submitting a verification transaction.

b) Customer must have an existing or prospective business relationship with the individual being verified and the individual must have consented to the search in advance of submitting the transaction.

c) Customer agrees to retain complete records in relation to the verification transaction, including a copy of the individual’s consent. Customer agrees to provide such records to Trulioo upon request.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2 

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Utility Mobile Telco

*includes access to:

Vodafone

Permitted Purpose: Identity verification and fraud prevention.

Additional Obligations: Customer agrees to provide Trulioo with all information necessary to complete the Data Provider’s Use Case Declaration Form and agrees to be fully responsible for any losses, costs or penalties incurred by Trulioo as a result of any incorrect information provided by Customer, or use of this Service outside of the use case described to Trulioo, and set out in the Use Case Declaration Form.

Customer must obtain the data subject’s consent or have a legitimate interest to process the data subject’s personal data.

Driver License

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Electoral Roll

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Electoral Roll 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

National ID

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Credit Agency

Permitted Purpose: Verifying or contributing to the verification of the identity of an individual.

Additional Obligations:

a) Customer must have a lawful requirement for submitting a verification transaction.

b) Customer must have an existing or prospective business relationship with the individual being verified and the individual must have consented to the search in advance of submitting the transaction.

c) Customer agrees to retain complete records in relation to the verification transaction, including a copy of the individual’s consent. Customer agrees to provide such records to Trulioo upon request.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Bureau

Permitted Purpose: Verification of the information collected from individual consumers for anti-money laundering, identification and risk mitigation purposes.

Additional Obligations: Customer hereby warrants that it has all necessary rights, including but not limited to, under any and all data protection and privacy laws and regulations and any other applicable law, to provide any and all information to Trulioo for verification pursuant to this Service. Customer warrants that it shall obtain authorization from each individual Consumer in accordance with the Personal Data (Privacy) Ordinance (Chapter 486 of the laws of Hong Kong) and any other applicable privacy laws in Hong Kong, and in the form prescribed by TransUnion Limited available here or substantially similar thereto. Customer must retain records of all information related to each request of this Service and the authorization provided by each individual Consumer for the duration that this Service is enabled and for seven (7) years thereafter. Customer must make such records available to Trulioo immediately (and within one business day) upon Trulioo’s request. Customer must maintain reasonable and appropriate administrative technical and physical security safeguards (“Safeguards”) designed to: (a) ensure the security and confidentiality of; (b) protect against any and al reasonably anticipated threats or hazards ot the security or integrity of; and (c) protect against unauthorized access or use of this Service or Results from this Service. Customer’s access to this Service may be dependent on the completion of a satisfactory security audit. Customer must notify Trulioo immediately after the occurrence of the following: (i) changes to the Safeguards or any other circumstances that arise which the Customer knows or has reason to know will have a material adverse impact on the Safeguards; becoming aware that the Safeguards are insufficient to satisfy these Additional Obligations; or (iii) Customer becomes aware of any unauthorized disclosures or other misappropriation of nay Results received from this Service.

Customer represents and warrants it is not involved in any of the following businesses:

a) Adult entertainment service of any kind (but not including legal online gaming);

b) Attorney or Law Firm engaged in the practice of law, unless engaged in collection or using the Service in connection with a consumer bankruptcy pursuant to the written authorization of the consumer;

c) Bail Bondsman, unless licensed by the state or region in which they are operating;

d) Credit counseling, except not-for-profit credit counselors;

e) Credit repair clinic;

f) Financial counseling, except a registered securities broker dealer;

g) Genealogical or heir research firm;

h) Massage service;

i) Company that locates missing children;

j) Pawn shop;

k) Private detective, detective agency or investigate company;

l) Company that handles third party repossession;

m) Tattoo service;

n) Law enforcement agency;

o) Asset location service; or

p) News agency or journalist.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying or contributing to the verification of the identity of an individual.

Additional Obligations:

a) Customer must have a lawful requirement for submitting a verification transaction.

b) Customer must have an existing or prospective business relationship with the individual being verified and the individual must have consented to the search in advance of submitting the transaction.

c) Customer agrees to retain complete records in relation to the verification transaction, including a copy of the individual’s consent, and must provide such records to Trulioo upon request.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Driver License

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Electoral Roll

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

PAN Verification

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

PAN Verification 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license.

Credit Agency

Permitted Purpose: Checks in relation to AML compliance, electronic identity verification, proof of address, age verification, fraud prevention, and iGaming. Customer may use the Results returned by this Service for internal business purposes only and may not use any information for marketing purposes.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying or contributing to the verification of the identity of an individual.

Additional Obligations:

a) Customer must have a lawful requirement for submitting a verification transaction.

b) Customer must have an existing or prospective business relationship with the individual being verified and the individual must have consented to the search in advance of submitting the transaction.

c) Customer agrees to retain complete records in relation to the verification transaction, including a copy of the individual’s consent, and must provide such records to Trulioo upon request.

Consumer File

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Resident Files

Permitted Purpose: Electronic identity verification.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Utility

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a Consumer’s eligibility for credit.

Consumer

Permitted Purpose: Fraud prevention and anti-money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

JP Community

Permitted Purpose: Fraud prevention and anti-money laundering.

Public

Permitted Purpose: Fraud prevention and anti-money laundering.

Utility

Permitted Purpose: Fraud prevention and anti-money laundering.

Resident Files

Permitted Purpose: Electronic identity verification.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

National ID

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the Consumer, including to verify Consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer must obtain consent from each Consumer being verified against this Data Partner in accordance with the laws of the Republic of Korea on the use and protection of data (including, but not limited to, the Personal Information Protection Act and the Act on Promotion of Information and Communications Network Utilization and Information Protection, etc.) and any other relevant subordinate laws thereof. Customer will provide copies of such consent to Trulioo upon reasonable request and authorize Trulioo to share such copies with this Data Partner.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client’s obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

European Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Agency 2

Permitted Purpose: A direct, internal business need for the information in connection with a business or credit transaction involving the consumer, including to verify consumer identity and perform know your client obligation under applicable legislation.

Additional Obligations: Customer must obtain its end user’s consent to verify the end user’s personal data against this Data Provider. Customer shall provide copies of such consent to Trulioo upon Trulioo’s request and authorize Trulioo to share such copies with this Data Partner.

Credit Bureau 1

Permitted Purpose: Verifying an individual’s identity, age, ID number or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family, or household purposes, employment, or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client’s obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen (Consumer)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Citizen (Government)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Bureau

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but not including for the purposes of determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government 2

Permitted Purpose: Identification and authentication purposes.

Government 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Government 4

Permitted Purpose: Identification and authentication purposes.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Consumer / Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau (Credit Bureau)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau (Resident Files)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau (Telephone File)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Netherlands Credit Agency

Permitted Purpose: Customer’s internal use only for the prevention of abuse and fraud in financial transactions.

Additional Obligations: Customer must be approved by this Data Provider prior to receiving access to this Service. Customer agrees to use this Service in compliance with all applicable laws, including (but not limited to) the Telecommunicatiewet, Bel-me-niet register, Postfilter, and Gedragscode Verwerking Persoonsgegevens van de Nederlandse Vereniging van Handelsinformatiebureaus. Customer may not use the Results returned by this Service as the sole basis for any business decision. Customer must ensure that each data subject has been adequately informed of, or has given consent to, Customer’s use of this Service, in accordance with the requirements of GDPR. Notwithstanding any other term of this Agreement, Customer hereby authorizes the Data Provider for this Service to retain any information provided as part of a verification request solely for the Data Provider’s audit and billing purposes.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Utility Mobile Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Birth Registry

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations:

a) Customer is required to complete the Data Provider’s onboarding process and agree to the Data Provider’s terms prior to enabling this Service.

b) Customer must obtain the express consent of the individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this Service must be in compliance with the Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

c) Customer must obtain the approval of the New Zealand Department of Internal Affairs prior to accessing this Service.

Business Directory

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer must have an existing or prospective business relationship with each individual being verified and must obtain the consent of each individual in hardcopy or electronic form prior to conducting a verification for: (i) a search to be carried out on a one-off basis, or (ii) searches to be carried out on an ongoing basis, provided that any such consent will be deemed to have expired 3 calendar months from the date on which it was given. Customer agrees to provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer must make provision for each individual to withdraw consent: (a) before the search is carried out, if consent is given on a one-off basis, or (b) before any search is carried out or before any further searches are carried out, if consent is given on a continuing basis. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Bureau

Permitted Purpose: Verifying or contributing to the verification of the identity of New Zealand individuals for bona fide lawful business purposes.

Additional Obligations: Customer represents and warrants that: (i) Customer has, through its own efforts, collected  Customer Information belonging to individuals being verified using this Service; (ii) such Customer Information is genuine information belonging to its existing or prospective Consumers and not derived wholly or substantially from any third person’s directory, list or other compilation; and (iii) use of such Customer Information by this Data Partner or its suppliers for the purposes of providing this Service does not infringe the intellectual property rights of any person or any other rights or laws. Customer must obtain the consent of each individual in hardcopy or electronic form prior to conducting a verification. Customer will comply with all applicable laws Customer agrees to retain such consent and provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Customer must be approved by this Data Provider prior to using this Service. Customer must execute, agree to and comply with the terms set out in Centrix Group Limited’s Application Form and Agreement for the Supply of Information Services.

Credit Bureau 2

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations: Customer must obtain the express consent of each individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this Service must be in compliance with the Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

Driver’s Licence

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer represents and warrants that: (i) Customer has, through its own efforts, collected  Customer Information belonging to individuals being verified using this Service; (ii) such Customer Information is genuine information belonging to its existing or prospective Consumer and not derived wholly or substantially from any third person’s directory, list or other compilation; and (iii) use of such Customer Information by this Data Partner or its suppliers for the purposes of providing this Service does not infringe the intellectual property rights of any person or any other rights or laws. Customer must obtain the consent of each Consumer in hardcopy or electronic form prior to conducting a verification. Customer will comply with all applicable laws Customer agrees to retain such consent and provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Driver’s License 2

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations: Customer must obtain the express consent of the individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this Service must be in compliance with the Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Motor Vehicle Registry 2

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations: Customer must obtain the express consent of the individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this Service must be in compliance with the Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

New Zealand Department of Internal Affairs (DIA)

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer represent and warrants that: (i) Customer has, through its own efforts, collected  Customer Information belonging to each individual being verified using this Service; (ii) such Customer Information is genuine information belonging to its existing or prospective customers and not derived wholly or substantially from any third person’s directory, list or other compilation; and (iii) use of such Customer Information by this Data Partner or its suppliers for the purposes of providing this Service does not infringe the intellectual property rights of any person or any other rights or laws. Customer must obtain the consent of each individual in hardcopy or electronic form prior to conducting a verification. Customer will comply with all applicable laws Customer agrees to retain such consent and provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Customer must be approved by this Data Provider prior to using this Service. Customer must execute agree to and comply with the terms set out in this Application Form and the Agreement for the Supply of Information Services.

Passport Document Verification

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations:

a) Customer is required to complete the Data Provider’s onboarding process and agree to the Data Provider’s terms prior to enabling this Service.

b) Customer must obtain the express consent of the individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this Service must be in compliance with the Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

c) Customer must obtain the approval of the New Zealand Department of Internal Affairs prior to accessing this Service.

Property Owners

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer must have an existing or prospective business relationship with each individual being verified and must obtain the consent of each Consumer in hardcopy or electronic form prior to conducting a verification for: (i) a search to be carried out on a one-off basis, or (ii) searches to be carried out on an ongoing basis, provided that any such consent will be deemed to have expired 3 calendar months from the date on which it was given. Customer agrees to provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer must make provision for each individual to withdraw consent: (a) before the search is carried out, if consent is given on a one-off basis, or (b) before any search is carried out or before any further searches are carried out, if consent is given on a continuing basis. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Property Owners 2

Permitted Purpose: Customer due diligence and verification requirements.

Additional Obligations: Customer must obtain the express consent of each individual being verified, and must retain evidence of such consent, which shall be provided to Trulioo at Trulioo’s request. Customer’s use of this source Service must be in compliance with Section 173 of the New Zealand Personal Property Securities Act 1999, the New Zealand Credit Reporting Privacy Code 2020 and the New Zealand Privacy Act 2020.

Resident Files

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer must have an existing or prospective business relationship with each individual being verified and must obtain the consent of each individual in hardcopy or electronic form prior to conducting a verification for: (i) a search to be carried out on a one-off basis, or (ii) searches to be carried out on an ongoing basis, provided that any such consent will be deemed to have expired 3 calendar months from the date on which it was given. Customer agrees to provide Trulioo with copies of the consent provided by each individual promptly upon Trulioo’s request. Customer must make provision for each individual to withdraw consent: (a) before the search is carried out, if consent is given on a one-off basis, or (b) before any search is carried out or before any further searches are carried out, if consent is given on a continuing basis. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Telephone Directory

Permitted Purpose: Verifying or contributing to the verification of the identity and/or age of individuals for bona fide lawful business purposes.

Additional Obligations: Customer must have an existing or prospective business relationship with each individual being verified and must obtain the consent of each individual in hardcopy or electronic form prior to conducting a verification for: (i) a search to be carried out on a one-off basis, or (ii) searches to be carried out on an ongoing basis, provided that any such consent will be deemed to have expired 3 calendar months from the date on which it was given. Customer agrees to provide Trulioo with copies of the consent provided by each individual immediately upon Trulioo’s request. Customer must make provision for each individual to withdraw consent: (a) before the search is carried out, if consent is given on a one-off basis, or (b) before any search is carried out or before any further searches are carried out, if consent is given on a continuing basis. Customer agrees to comply with the New Zealand Privacy Act 1993 in relation to personal information provided to Trulioo.

Driver License 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Electoral Roll

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

National ID 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the Consumer, including to verify Consumer identity and perform know your client obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

NO Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Norway National Population Register

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of the data subject which shall include the access, use and storage of any identity verification or check made against the data subject and any other obligations required by law. Customer’s consent language must include reference to the fact that personal data may be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

Norway Population Registry

Permitted Purpose: Identity verification, age verification and anti-money laundering, but must not be used for direct marketing purposes.

Additional Obligations: Customer must inform its end user that personal information collected and stored by this Data Provider is treated according to the Swedish Personal Information Law (Personuppgiftslaggen) (1998:204).

Norway Telephone Directory

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of the data subject which shall include the access, use and storage of any identity verification or check made against the data subject and any other obligations required by law. Customer’s consent language must include reference to the fact that personal data will be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Bureau

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen 

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering. Customer must have a direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislations.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the Consumer, including to verify Consumer identity and perform know your client obligations under the applicable legislation.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Additional Obligations: Customer must have a legitimate interest in verifying the personal data being provided to Trulioo and retain evidence of its legitimate interest for at least 12 months. Customer must make evidence of such legitimate interest available to Trulioo upon request. Customer agrees that this Data Provider may retain data submitted through this Service for a period of 3 years for audit purposes.

Credit Bureau 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering. Customer must have a direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislations.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Bureau

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Bureau 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer must be approved by this Data Provider prior to using this Service. Customer must obtain the appropriate consent from the individual being verified or have a legitimate interest to provide the individual’s data for processing, in accordance with applicable laws. Data returned through this Service may not be transferred to any third parties, nor may it be used for marketing purposes. Customer agrees to comply with the Swiss federal Data Protection Act and the provisions of the Swiss federal Data Protection Ordinance. Results provided by this Service may not be used as the sole means to refuse to onboard or provide services to an end user submitting their information for verification.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Bureau

Permitted Purpose: fraud detection and fraud prevention services

Additional Obligations: Customer shall comply with TransUnion (South Africa) Credit Bureau Terms of Use (“Terms of Use”). Reference to Global Data Company Pty. Ltd. in the Terms of Use shall mean Trulioo Information Services Inc.

Credit Bureau 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Credit Bureau 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

National ID 

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Citizen 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a Consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Citizen 3

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Citizen 4

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 3

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation and therefore legitimate interest of Trulioo ́s end customers.

Resident Files 4

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering. Customer must have a direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislations.

Utility – Telco

*includes access to:

Vodafone

Permitted Purpose: Identity verification and fraud prevention.

Additional Obligations: Customer agrees to provide Trulioo with all information necessary to complete the Data Provider’s Use Case Declaration Form and agrees to be fully responsible for any losses, costs or penalties incurred by Trulioo as a result of any incorrect information provided by Customer, or use of this Service outside of the use case described to Trulioo, and set out in the Use Case Declaration Form.

Customer must obtain the data subject’s consent or have a legitimate interest to process the data subject’s personal data.

Citizen Registry

Permitted Purpose: Identity verification, age verification and anti-money laundering, but must not be used for direct marketing purposes.

Additional Obligations: Customer must inform its end users that personal information collected and stored by this Data Provider is treated according to the Swedish Personal Information Law (Personuppgiftslaggen) (1998:204).

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Resident Files 

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Sweden Citizen Registry

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of the data subject which shall include the access, use and storage of any identity verification or check made against the data subject and any other obligations required by law. Customer’s consent language must include reference to the fact that personal data will be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

Sweden Consumer

Permitted Purpose: Authenticating the identity of an individual prior to concluding a business transaction with such individual.

Additional Obligations: Customer agrees to obtain the informed consent of the data subject which shall include the access, use and storage of any identity verification or check made against the data subject and any other obligations required by law. Customer’s consent language must include reference to the fact that personal data will be transferred outside the European Economic Area (“EEA”) in order to perform identity verification or checking and such countries outside the EEA may not have protections in place for personal data as extensive as those within the EEA. Customer must use appropriate language to obtain the consent, including a “click to accept” button to confirm the informed consent. Customer must retain records of each informed consent and provide evidence of such consent upon Trulioo’s request.

Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer including to verify consumer identity and perform know your client obligations under applicable legislation.

Additional Obligations: Customer must be approved by this Data Provider prior to using this Service. Customer must obtain the appropriate consent from the individual being verified or have a legitimate interest to provide the individual’s data for processing, in accordance with applicable laws. Data returned through this Service may not be transferred to any third parties, nor may it be used for marketing purposes. Customer agrees to comply with the Swiss federal Data Protection Act and the provisions of the Swiss federal Data Protection Ordinance. Results provided by this Service may not be used as the sole means to refuse to onboard or provide services to an end user submitting their information for verification.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2

Permitted Purpose: Electronic identity verification.

Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering. Customer must have a direct, internal business need for the information in connection with a business transaction involving the Consumer, including to verify Consumer identity and perform know your client obligations under applicable legislations.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

National ID

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Electoral Roll

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client’s obligations under the applicable legislation.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Electoral Roll

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Citizen 

*the following Permitted Purpose and Additional Obligations apply to:

– Citizen (Citizen Registry)

– Citizen (Credit Agency 3)

– Citizen (Credit Agency 4)
– Citizen (Directory Search)

– Citizen (Electoral Roll)

– Citizen (Public Record)

Permitted Purpose: To verify the identification of individuals, or to provide address and residency confirmation for the Customer’s (i) lawful and legitimate purposes, and (ii) for anti-money laundering, counter-terrorism financing, fraud risk management and anti-bribery or corruption purposes or to meet similar regulatory compliance requirements. Customer must not use this Service or any Results received from this Service for marketing or employment screening purposes.

Additional Obligations: Customer must use good industry practice security measures to safeguard against unauthorized access to its systems to gain access to and use this Service or Data Partner by any individual, computer program or other unauthorized user including implementing monitoring plans under which Customer will guard against but otherwise promptly detect any such unauthorized access. Customer must immediately notify Trulioo of any confirmed unauthorized access and/or use of this Service or Data Partner, as well as any other person(s) required to be notified by Customer under any applicable laws.

Citizen 2

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Consumer 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Consumer 3

Permitted Purpose: The purpose of verifying an individual’s identity, age or address information for only lawful purpose by matching or linking an individual across disparate data sources including identity verification, fraud prevention or compliance with laws designed to prevent money laundering.

Additional Obligations:

a) Customer must comply with all laws, enactments, regulations, orders, standards and other similar instruments applicable to the access and use of this Service including all applicable data protection and privacy legislation in force from time to time in the UK, Direct Marketing Association (UK) Ltd. Code of Practice and Privacy and Electronic Communications (EC Directive) Regulations 2003.

b) Customer shall not incorporate, use or append any Results received from this Data Provider or information derived from it to produce or develop any other product or service or use it for any other purpose other than the Permitted Purpose.

c) Customer may not use the Results from this Data Provider to contact any individuals whose records may be provided as part of the Results, provided that the Customer may update its internal databases utilized for contacting its Consumers with information provided through such Results.

d) Customer must ensure that it has the legal basis for using the Results from this Data Provider for Permitted Purpose.

e) Customer may not use the Results from this Service for or related to religious or political purposes, activities which are offensive, racists, sexually explicit, pornographic or adult content, discriminatory or promoting unlawful violence, misleading or dishonest, illegal or at risk of causing damage or injury or activities liked to payday loans, PPI Claims, debt management services and/or accident claims.

f) Customer will provide reasonable cooperation to Data Provider, upon request, in responding to: (1) Any requests made by data subjects exercising their rights under applicable Data Protection laws; or (2) Any correspondence from the Information Commissioner’s Office.

g) Customer will not perform or omit to perform any acts which would place this Data Provider in breach of General Data Protection Regulation ((EU) 2016/679) and any national implementing laws, regulations and secondary legislation in the UK, as amended from time to time and any successor legislation thereto.

h) Customer acknowledges that this Data Provider will not be liable for any loss or damage arising from: (1) any failure of this Data Provider to achieve any particular result for the Customer unless caused by the Data Provider’s negligence or wilful misconduct; (2) use of the Results from this Data Provider unless caused by the Data Provider’s negligence or wilful misconduct; or (3) any inaccuracies, faults in or omissions from the provision of the Results unless caused by the Data Provider’s negligence or wilful misconduct.

Credit

*the following Permitted Purpose and Additional Obligations apply to:

– Credit (Credit Agency)

– Credit (Electoral Roll)

– Credit (Public File)

Permitted Purpose: Making an internal business decision in respect of anti-money laundering and/ or identity verification (as applicable) to support a relationship involving a financial transaction.

Additional Obligations:

a) This Data Provider is a credit reference agency. As such, this Service will leave a search footprint (soft credit footprint) on the applicable Consumer’s credit report. If Customer receives an inquiry from a Consumer in respect of a Query processed by this Data Provider, Customer must inform such Consumer that: (i) the relevant credit reference agency is TransUnion International UK Limited (“TU UK”); and (ii) the search footprint retained by this Data Provider will read as having been made by Trulioo Information Services Inc. (rather than the Customer).

b) Customer acknowledges and agrees that the Results provided by this Data Provider are not intended to be re-used for subsequent verifications. Should the Customer re-use any such Results obtained from this Data Provider following the original date of receipt, Customer does so at its own risk, taking into account that any Results that are not up-to-date are more likely to be inaccurate.

c) TU UK makes no representations or warranties as to the suitability of the Results for any particular purpose. Customer acknowledges and agrees that the Customer is solely responsible for satisfying itself that the Results are suitable for its intended use  (within the scope of Permitted Purpose set out above).

d) Customer acknowledges that TU UK recommends that the Customer not rely on the Results returned by TU UK as the sole basis for any business decision.

Credit Agency 5

Permitted Purpose: Verifying the identity or residency/address of individuals for Customer’s internal business purposes in connection with (i) the prevention or detection of fraud (which for the avoidance of doubt shall exclude the provision of any credit bureau services to any third party); or (ii) the prevention of money laundering.

Permitted Purpose for Customers operating in the Online Gambling Industry (where “Online Gambling” means a gambling service accessed via remote communications whereby players register to: (i) deposit funds; (ii) place bets; or (iii) play games): verifying the identity or age of individuals for Customer’s internal business purposes.

Additional Obligations:

1. a) Customer shall, if and when collecting personal data on the basis of informed consent, ensure that at the point of such collection, the relevant Consumer is informed that a search will be carried out with a third party service provider for the purpose of verifying their identity.

   b) Customer shall not access or use this Service from any of the following countries (collectively, the “Restricted Countries”): Afghanistan, Belarus, Bosnia and Herzegovina, Burundi, Central African Republic, China, Democratic People’s Republic of Korea, Democratic Republic of the Congo, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Moldova, Mozambique, Myanmar, Nicaragua, Russia, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Venezuela, Yemen, Zimbabwe. For clarity, if Customer has operations, facilities or affiliates in any of the Restricted Countries, the foregoing does not preclude Customer from using this Service, provided that Customer accesses or uses this Service from outside of the Restricted Countries.

2. c) Customer shall use this Service in accordance with applicable laws.

   d) Customer may only take copies of the Results as are reasonably required for the use of the Results in accordance with the Agreement and these Service Specific Terms.

3. e) Customer shall: (i) keep the Results returned by this Service confidential; and (ii) take all reasonable steps to prevent unauthorised access to such Results. Notwithstanding the foregoing, Customer may disclose the Results to: (1) its employees, consultants, agents and officers on a need-to-know basis; (2) its auditors or professional advisors solely for the purposes of providing professional advice; (3) its Affiliates for reasonable reporting purposes; and (4) any other persons or bodies having a legal right or duty to have access to, or knowledge of, the Results in connection with the business of the Customer, provided that in each case, the Customer shall ensure that such parties are under an obligation of confidentiality.

   f) Customer acknowledges and agrees that this Service will leave a record on the applicable Consumer’s credit report without affecting the Consumer’s credit rating.

4. g) Customer acknowledges and agrees that this Service is not intended to be used as the sole basis for any business decision and this Data Provider is not liable for any inaccuracy, incompleteness or other errors in the Results or any failure of this Service to achieve any particular result.

   h) All intellectual property rights in the Results derived, prepared or generated by this Service will remain vested in this Data Provider (or its relevant licensors) and to the extent that any rights in such Results vest in the Customer by operation of law, the Customer shall assign such rights to this Data Provider.

5. i) Customer shall not acquire or claim any title to any of this Data Provider’s intellectual property rights (or those of their licensors) by virtue of the use or access rights granted to it under the Agreement.

   j) Customer will not, at any time, do, or omit to do, anything which is likely to prejudice this Data Provider’s ownership (or their licensors’ ownership) or intellectual property rights.

6. k) Customer will not remove, suppress or modify in any way any proprietary marking, including any trade mark or copyright notice, on or in the materials of this Data Provider and agrees to incorporate any such proprietary markings in any copies it takes of such materials.

   l) If Customer operates in the Online Gambling industry, Customer must be registered with the applicable Gambling Commission and comply with all applicable legal and regulatory obligations in respect of its use of this Service in connection with Online Gambling.

Enhanced Credit (Credit Bureau)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must obtain the consent of the individual being verified prior to submitting the individual’s personal information for verification and shall notify the individual in writing that the information provided by the individual may be disclosed to a credit reference agency which may keep a record of that information. Customer shall retain evidence of such consent and provide such evidence to Trulioo upon Trulioo’s request.

Enhanced Credit (Electoral Roll)

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering, but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations:

a) Customer must obtain the consent of the individual being verified prior to submitting the individual’s personal information for verification and shall notify the individual in writing that the information provided by the individual may be disclosed to a credit reference agency which may keep a record of that information. Customer shall retain evidence of such consent and provide such evidence to Trulioo upon Trulioo’s request.

b) Customer may only access Full Electoral Roll data as permitted by Regulation 114 of the Representation of the People (England and Wales) Regulations 2001 (as amended). By submitting an individual’s personal information for verification against the Full Electoral Roll, Customer warrants that its verification request is permitted under Regulation 114.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Utility – Telco

*includes access to:

Phronesis

Telefonica

Permitted Purpose: Verifying the identification of individual end users (including confirmation of address and date of birth) for Customer’s internal business purposes only and for the purposes of internal risk management, fraud prevention and information verification.

Additional Obligations:

a) Customer may only access this Service upon completion of the required onboarding form.

b) Customer must maintain a list of personal data of its end users whose information is provided to Trulioo for verification pursuant to this Service, which identifies the lawful basis for such processing (including the nature and circumstances of consent given (if relevant). Customer shall provide Trulioo with this list upon request by Trulioo and shall update Trulioo within one business day of an end user revoking consent.

c) If required by applicable laws or regulations, Customer must obtain valid, lawful, appropriate, accurate, freely given, specific, informed and unambiguous consent from an end user that the personal data provided by the end user can be used and shared with Telefonica for the Permitted Purpose, or Customer must be otherwise lawfully entitled to process the personal data under applicable laws or regulations in relation to the Services. Customer shall maintain adequate records of its end user consents and provide such records to Trulioo upon its request.

Citizen

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Verification of customer identification, and investigating or preventing actual or potential fraud, fraudulent applications, or fraudulent claims. Cannot be used in association with the advertising, selling or exchanging of any products or services that involve sexual paraphernalia, drug paraphernalia, adult films or recordings, weapons, or credit repair services. May not be used in Fair Credit Reporting Act applications.

Citizen 2

Permitted Purpose: To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.

Additional Obligations: Customer represents and warrants that the Services will not be used, in whole or in part, as a factor in determining an individual’s creditworthiness or eligibility for (i) credit, (ii) insurance, (iii) employment, or (iv) for any other purpose under the FCRA.

Consumer 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Credit Agency

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation.

Enhanced Credit

*the following Permitted Purpose and Additional Obligations apply to:

– Enhanced Credit (Credit Bureau)

– Enhanced Credit (Utility)

Permitted Purpose: Verification or authentication of an individual’s identity or to prevent or detect fraud or other unlawful activity.

Additional Obligations: Results returned from this Service may not be used, in whole or in part, as a factor in determining eligibility for credit, insurance, employment or another purpose in connection with which a consumer report may be used under the FCRA or to take any “adverse action” as such term is defined in the FCRA. Further, Results returned from this Service may not be used to determine, in whole or in part, an individual’s eligibility for any of the following products, services or transactions: (i) credit or insurance to be used primarily for personal, family or household purposes; (ii) employment purposes; (iii) a license or other benefit granted by a government agency; or (iv) any other product, service or transaction in connection with which a consumer report may be used under the FCRA or any similar state statute including, without limitation, apartment rental, check-cashing or the opening of a deposit or transaction account.

Enhanced Credit 2

*the following Permitted Purpose and Additional Obligations apply to:

– Enhanced Credit 2 (Credit Bureau)

– Enhanced Credit 2 (Resident Files)

– Enhanced Credit 2 (Telephone File)

Permitted Purpose: Identifying individuals and verifying the identity of individuals for: (i) lawful Gramm-Leach-Bliley Act purposes of fraud prevention; and (ii) internal business purposes only, and not for purpose of resale or distribution to any third parties.

Additional Obligations:

(a) Customer acknowledges its obligations under, and agrees to abide by, the Gramm-Leach-Bliley Act (as applicable to the Customer) and the Experian Security Requirements.

(b)Customer agrees to comply with the Experian Terms of Use.

(c) Customer must promptly notify Trulioo in the event of any change of business location, ownership or control of Customer. Results returned from this Service may not be used, in whole or in part, as a factor in determining eligibility for credit, insurance, employment or another purpose in connection with which a consumer report may be used under the FCRA or to take any “adverse action” as such term is defined in the FCRA. Further, Results returned from this Service may not be used to determine, in whole or in part, an individual’s eligibility for any of the following products, services or transactions: (i) credit or insurance to be used primarily for personal, family or household purposes; (ii) employment purposes; (iii) a license or other benefit granted by a government agency; or (iv) any other product, service or transaction in connection with which a consumer report may be used under the FCRA or any similar state statute including, without limitation, apartment rental, check-cashing or the opening of a deposit or transaction account.

Enhanced Credit 3

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Enhanced Credit 4

Permitted Purpose: Verifying or contributing to the verification of the identity of an individual.

Additional Obligations:

a) Customer must have a lawful requirement for submitting a verification transaction.

b) Customer must have an existing or prospective business relationship with the individual being verified and the individual must have consented to the search in advance of submitting the transaction.

c) Customer agrees to retain complete records in relation to the verification transaction, including a copy of the individual’s consent. Customer agrees to provide such records to Trulioo upon request.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Government

Permitted Purpose: Verifying an individual’s identity, age, or address information for the lawful purpose of identity verification, fraud prevention or compliance with laws designed to prevent money laundering.

Additional Obligations: Customer must not upload or otherwise transmit any material containing software viruses or other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software or hardware.

Mobile Number Validation

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Resident Files 2

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Student Records

Permitted Purpose: A direct, internal business need for the information in connection with a business transaction involving the consumer, including to verify consumer identity and perform know your client obligations under applicable legislation, and to prevent or detect fraud.

Additional Obligations: Customer may not use this Service to determine the eligibility or qualification of an individual for credit, insurance, employment, or any other product or service.

Utility – Telco

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time. Customer must be approved by Telesign prior to receiving access to this Service.

Customer must obtain consent from each end user and display the following language to each end user when obtaining consent:

“You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other
branded wireless operator) to disclose to the [CUSTOMER NAME] and its third-party service
providers your mobile number, name, address, email, network status, customer type, customer role,
billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if
available, solely to verify your identity and prevent fraud for the duration of the business relationship.
See our Privacy Policy for how we treat your data.”

Credit Agency

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Consumer

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering.

Global Phone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer must abide by Telesign’s Acceptable Use Policy, as updated from time to time.

Global Telephone Directory

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Data returned by this source may not be used as a factor in determining eligibility for credit, insurance, employment or another purpose in which a consumer report may be used under the Fair Credit Reporting Act.

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer shall not use this data source for the purpose of assembling, merging with or compiling any results into a “Consumer Report” as that term is defined in the FCRA. Results provided by this data source are not intended to be a Consumer Report for a Permissible Purpose, as defined in the FCRA.

Permitted Purpose: Verifying an individual’s identity, age or address information for lawful purposes of identity verification, fraud prevention or enforcement of laws designed to prevent money laundering but does not include determining a consumer’s eligibility for credit or insurance for personal, family or household purposes, employment or a government license or benefit.

Additional Obligations: Customer shall not use this data source for the purpose of assembling, merging with or compiling any results into a “Consumer Report” as that term is defined in the FCRA. Results provided by this data source are not intended to be a Consumer Report for a Permissible Purpose, as defined in the FCRA.

Customer acknowledges and agrees that by using the Ongoing Monitoring Service Trulioo will retain and share data provided by Customer with the third party data source on an ongoing basis in accordance with the frequency selected by Customer.