Privacy Policy
Last Updated 7/27/2007PRBC respects the privacy rights of our online visitors and recognizes the importance of protecting the information you share with us. We have adopted a corporate wide Online Privacy Policy that guides how we collect, protect, and manage the information you provide.
What personal information is collected?
PRBC only collects personal information from online visitors and PRBC Data Network users on a voluntary basis and only upon completion of the Contact Form, Enrollment Form, and Partner Application.
What happens to the information provided?
PRBC is a credit bureau and is regulated by the Federal Trade Commission. As a credit bureau, PRBC is required by federal law, the Fair Credit Reporting Act (FCRA), to not share or disclose personal information other than for "permissible purposes" as defined by the FCRA.
Therefore, all personal information provided to PRBC by you or about you by others will held in strict confidence, and only released to qualified third parties, such as lenders or brokers, with your permission.
Communication from PRBC
Special offers and updates
We will occasionally send you information about new products and services that relate to building your credit file with PRBC. Out of respect for your privacy, you may opt out of receiving these types of marketing communications from us by following the unsubscribe instructions included in each promotional email we send.
Service-related announcements
We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature.
Customer service
Based upon the personally identifiable information you provide us, we will send you a welcome email to verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.
Testimonials
We receive permission to post testimonials prior to posting them on the prbc.com website.
Payment verification
If you create a PRBC profile with account payment information and choose to order a PRBC Report, your payment data will need to be verified by an independent third party. All payment verifications are conducted confidentially by FCRA certified members of the NCRA (National Credit Reporting Association). Our verification partners are prohibited from using your personally identifiable information for any other purpose including their own marketing.
Identity verification
If you decide to order a payment verification from PRBC, it may be necessary for PRBC to conduct an identity verification through an independent third party, to protect against fraud. All verifications are conducted confidentially by FCRA certified members of the NCRA (National Credit Reporting Association). Our verification partners are prohibited from using your personally identifiable information for any other purpose including their own marketing.
Information sharing and disclosure
Aggregate information (non-personally identifiable)
Occassionaly, we may share aggregated demographic information about our user base with our partners, who consist of banks, bill pay services, and lenders in the credit and financial industries. This information does not identify individual users, and we do not link aggregate user data with personally identifiable information.
When you sign up for the CheckFreeWeb with PRBC Payment Reporting service, you will be directed to checkfreeweb.com to complete the registration process. Information shared with this third-party website is covered under checkfreeweb.com's privacy policy. Information from checkfreeweb.com that is shared back with prbc.com for purposes of documenting your payment activity is covered under our privacy policy.
When you sign up for the AccountNow Prepaid MasterCard® with free Credit Builder from PRBC, you will be directed to accountnow.net to complete the registration process. Information shared with this third-party website is covered under accountnow.com's privacy policy. Information from accountnow.com that is shared back with prbc.com for purposes of documenting your payment activity is covered under our privacy policy.
Access to personally identifiable information
You may change or update your personal information at any time by logging in to your user account at www.prbc.com.
What about cookies?
A "cookie" is a small text file that is stored on a user's computer for record-keeping purposes. The PRBC site uses cookies and other methods to monitor website usage. Cookies must be enabled to access certain parts of the site, such as the secure login and enrollment process.
PRBC uses session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.
PRBC uses Google Analytics, a popular third party tracking utility, which uses cookies on the prbc.com website. We have no access to or control over these cookies. To learn more about Google's privacy policy, visit http://www.google.com/intl/en_ALL/privacy.html. This privacy statement covers the use of cookies by www.prbc.com only and does not cover the use of cookies by any of our partner sites.
Log files
As is true of most Web sites, we gather certain information automatically and store it in log files. Server and application software tracks user IP numbers and logs browser types, access times, domain names, referring/exit pages, operating system, date/time stamp, and clickstream data. We do not link this automatically-collected data to personally identifiable information.
We use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site in the aggregate in order to capture usage and volume statistics and to improve our Web site.
Safeguarding your personal information
PRBC encrypts all data transmissions using secure socket layer (SSL) technology. We will only collect personal information to the extent deemed reasonably necessary to serve our legitimate business purposes, and we will maintain advanced safeguards to ensure the security, integrity and privacy of your personal information.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, but PRBC strives to provide a superior level of protection of your information.
If you have any questions about security on our Web site, you can send email us at info@prbc.com.
Legal disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.
Links to other sites
This Web site contains links to other sites that are not owned or controlled by PRBC. Please be aware that we, PRBC, are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.
Contacting us
If you have questions about this Privacy Policy or about our information practices, you can send us your question by clicking on Contact Us and submitting the form, or send an email to info@prbc.com, or send correspondence to:
PRBC
One Annapolis Street, Suite 101
Annapolis, MD 21401
By using this site, you signify your assent to the PRBC Online Privacy Policy. If you do not agree to this policy, please do not use this site. PRBC reserves the right to make changes to this privacy policy at any time, so please review it frequently to ensure you are aware of any updates. PRBC's privacy policy will indicate the date it was last updated, and PRBC may notify you of specific changes from time to time. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. Your continued use of the PRBC site will signify your acceptance of these changes.
