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Privacy policy
Consent
TransUnion is committed to the principle that the knowledge and consent of the consumer are required for the collection, use or disclosure of personal information, except where authorised by Law or an order of the Court.
All TransUnion Subscribers must obtain the consumerís authorization to release information before they can supply any information about a consumer to TransUnion. Subscriber Agreements require TransUnionís data providers to obtain the express consent of consumers to transfer their personal information to TransUnion.
TransUnion may furnish a TransUnion Consumer Credit Report to a subscriber only if it is for a predetermined purpose unless otherwise specified by the Law or by an order of the Court.
Obsolete and prohibited information shall not form part of the TransUnion Consumer Credit Reports.
TransUnion may furnish a report for employment purposes only if the prospective or current employee is notified before that a report may be used for employment purposes and that the prospective or current employee provides written authorization to procure the TransUnion Consumer Credit Report.
Notice
TransUnion shall provide notice to consumers about the purpose for which it collects and uses personal information about them, how to contact TransUnion with any inquiries or complaints, the types of third parties to which it discloses the information, and how the consumer can limit the use of his or her personal information.
Personal information is collected by TransUnion from several third party subscribers which include banks, financial institutions, hire purchase companies and other sources in the public domain. All subscribers of personal information have been required to sign Subscriber Agreements which details their obligations for maintaining TransUnionís standards of data privacy and quality.
Consumers are entitled to notice of adverse action. Adverse Action Notices shall advise the consumer that
  • the Subscriber has acted adversely,
  • that information from a TransUnion Consumer Credit Report contributed in part or in whole to the adverse action,
  • the name and address of the agency or other person that furnished the report and
  • the fact that the consumer has a right to see their TransUnion Consumer Credit Report without charge.
 
Limiting collection,
use, disclosure
and retention
TransUnion only obtains information to update its consumersí files that have direct relevance to a consumerís credit history and assists in ensuring the reporting of accurate information. This information is collected by fair and lawful means through the Subscriber Agreements or the public domain.
TransUnion shall not use or disclose personal information for purposes other than those for which it was collected, except with the consent of the consumer or as required by law.
Retention periods are established by legislation and TransUnion follows these laws for our purge protocols. Documentation containing any personal information pertaining to a consumer is kept for a maximum of seven years and then is destroyed.
Security
TransUnion considers all personal information relevant to a consumerís credit history confidential and thus very sensitive. TransUnion will ensure that personal information under its control shall be protected by security safeguards appropriate to the sensitivity of the information.
The following safeguards are incorporated into all areas of Marketing Department:
  • Confidentiality agreements with all those who handle or have access to the data.
  • Limiting access and reporting of all personal information to third parties with whom contractual agreements have been completed.
  • Limiting employees electronic access through the use of user passwords and individual operator numbers; different levels of access are controlled through these and gives only information needed to the appropriate employees.
  • Ensuring that all paperwork related to personal information is stored in secure filing cabinets.
  • Security measures, such as ID/PIN numbers along with pass cards are required for building access to TransUnion.
  • Refrain from leaving documents containing personal information in view during non-business hours.
  • Obsolete paper information is destroyed.
  • Customer contracts maintained within TransUnion are stored in secure filing cabinets and when possible, stored electronically.
  • All employees are required to sign Information Security Documents.
 
Access
Upon request, a consumer shall be informed of the existence, use and disclosure of his or her personal information and shall be given access to that information. A consumer shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
TransUnion has established processes by which a consumer can access his/her personal information file without any charge to that consumer. TransUnion will also establish access provisions in keeping with global industry best-practices.
Complete policy
Complete copies of the TransUnion privacy policy (including definitions) are available upon written request.
Requests can be mailed in to:
TransUnion
5 Carlos Street
Woodbrook
Port-of-Spain
Trinidad & Tobago
Questions or comments, contact customer support:
E-mail:
Phone:
868-624-8444