Overview

Informative Research Data Solutions (“IRDS”) is a business service provider that specializes in providing data and analytics that enable customer targeting and retention for lenders.

IRDS is committed to preserving the confidentiality and privacy of consumer, client, and website visitor data entrusted to its care. IRDS is a service provider to many financial institutions and understands its obligation to maintain adequate safeguards in support of our regulated confidentiality and privacy Safeguards Programs. It is therefore IRDS’ policy to safeguard consumer, client, and website visitor data through administrative, technical and physical controls.

IRDS or its Clients may collect or use your personally identifiable information exclusively in conjunction with a business transaction.

Consumer Data 

IRDS has internal policies and procedures in place to safeguard consumer personal information. This includes administrative, technical, physical and human security control. IR as well as its third party providers are EI3PA, PCI, SOC2 or other similar industry standard compliant and must recertify annually to that standard. We cannot, however, be responsible for their privacy practices.

CA Privacy Rights

When California consumers provide personal information to a business, they have the right to request certain disclosures if that business shares personal information with third parties for the third parties’ direct marketing purposes. Once per calendar year the consumer may request that the business provide a list of companies with which it shares personal information for those companies’ direct marketing purposes, and a list of the categories of personal information that the business shares.  IR does not sell products or services directly to individual California consumers.  However, you may request information about our compliance with this law by contacting us.

Any such inquiry must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state, and ZIP code. Please note that we are only required to respond to one request per consumer each year, and we are not required to respond to requests made by means other than through the contact methods listed below.

What Data We Collect

IRDS does not collect personal data directly from consumers, instead, it receives consumer personal data from our lender clients to the extent required to perform our services. We also acquire personal data from third parties as required to perform services requested by our clients. IRDS is not responsible for third-party use of information.

Personal Information is data that can be used to uniquely identify and individual and may consist of the following:

• Name
• Date of Birth
• Social Security Number
• Current and Former Address
• Phone Number
• Email Address

Why – In order to provide our services to our clients in connection with our clients marketing, loan application or loan review processes.

How– The personal information (Name, Address, SSN and DOB) collected by your lender/broker or compiled by our third party data providers.

Storage of Personal Data

IRDS will retain personal data for the period necessary to comply with state, local, federal data retention requirements.

Transfer of Personal Data 

Personal information may be transferred, accessed and stored within our locations as necessary for the uses stated above in accordance with this notice and in compliance with local law and regulations. Data will not be transferred or stored in locations outside the United States.

Sharing Information

We only share your information with approved data providers and clients to the extent required to perform our services.  Our data providers include but not limited to:  National Credit Bureaus, Consumer Demographic, and Property data providers.

Right to Opt-Out

The CCPA provides consumers with the right, at any time, to opt-out of a business’s sale of a consumer’s personal information to third parties. Businesses that sell personal information to third parties are required to provide notice that personal information may be sold and that consumers have the right to opt-out. IRDS does not send marketing communications directly to consumers. If you would like to opt-out of credit offers and stop Trigger leads generated by the bureaus please take the following steps:

1. Register for Opt-Out Prescreen at optoutprescreen.com. This will stop all credit bureaus (Equifax, Experian and TransUnion) from selling their name as a trigger lead for at least a 5-year period. Once requested, it takes approximately 5 days to become effective.
2. Register name and phone number to reduce telemarketing efforts on the National Do Not Call Registry at donotcall.gov or call 1-888-382-1222 from each phone number they wish to register. Once requested, it takes approximately 31 days to become effective.
3. Register with the Direct Marketing Association’s Mail Preference Service to opt out of commercial mailings for 5 years with a $1 processing fee at dmachoice.org. DMA distributes its lists quarterly, so effective date can vary upon when your request is submitted

CA Consumer Rights 

• You have the right to request the categories of the specific pieces of personal information IRDS holds about you, the categories of the sources from which the information was collected, the business purpose for collection or selling the information and the categories of 3^rd parties with which the information was shared.
• You have the right to request that we rectify information IRDS holds about you if it is inaccurate or not complete.
• You have the right to request that we let you know if your personal information has been shared/disclosed and to whom.
• You have the right to request the categories of third parties your information has been shared with.
• You have the right to request information on how to opt-out of the sale of your personal information.
• You have the right to request that IRDS erases your personal data from our system.

Your CA Privacy Rights Request May be Sent to:  (click here for request form)

By Mail:

Informative Research Data Solutions

Compliance Department

California Privacy Rights Request

PO Box 2379

Garden Grove, CA 92842

By e-mail:  ComplianceDepartment@InformativeResearch.com

Online Request-click here to complete and submit your request form

Once a verifiable request is received, IRDS will disclose and deliver the required information free of charge within 45 days of receiving the request. Time period to provide the required information may be extended once by an additional 45 days when reasonably necessary, provided that the consumer is provided notice of the extension within the first 45 day period. 

The disclosure shall cover the 12-month period preceding IRDS’ receipt of the verifiable request and shall be made in writing and delivered to the consumer via US Mail or electronic mail.

IRDS will provide information at any time but is not required to provide information to a consumer more than twice in a 12-month period.

Children and Teen Data 

The CCPA generally prohibits businesses from selling data of consumers that they have actual knowledge are under 16, unless they have received opt-in consent (i.e., affirmative authorization) for such sale from: (1) for consumers under 13, the consumer’s parent or guardian; or (2) for consumers aged 13-16, the consent of the consumer.

Non-Discrimination

The CCPA prohibits covered businesses from discriminating against consumers for exercising any of their rights created by the law. This includes: (1) denying goods or services; (2) charging different prices, including via benefits or penalties; (3) providing a different level of quality; or (4) suggesting that the consumer will receive a different price or quality.

Website Privacy

Informative Research Data Solutions is committed to keeping any personal information provided confidential. Our goal is to provide the best knowledge and news as a service to our clients and guests, which includes maintaining our visitors’ privacy. Our web site does not automatically collect or log personal information from its visitors. We will use session variables to aid in the development of various features on the site. Session variables disappear after the user exits a browser. Thus, this information is not stored for any reason other than as indicated and is never connected to any personal information.

Visitors provide all personal information on a voluntary basis through visible means of data entry or collection. An individual will supply such information by responding to online surveys and registration pages or by sending an e-mail message to Informative Research. Any personal information, such as e-mail and/or postal addresses, telephone numbers and other data, becomes available to Informative Research only when voluntarily submitted by you. Informative Research may use such information to provide advance notice of events, new products and services, and current e-newsletters. Informative Research will not share or sell any personally identifiable information with any other individual or organization for any purpose. Informative Research uses the collected information to improve the content of our web site, to enhance existing products and services, and to communicate with you more effectively