Published on
February 25, 2026
If you (“You,” “Your” or “Customer”) have entered into an Order Form with Findigs that includes a subscription for CRA Services (as defined below), your access to and use of the CRA Services is governed by these CRA Terms and Conditions (“CRA Terms”), which apply in addition to the General Customer Terms and Conditions (the “General Terms”) and are incorporated into the Agreement by and between Customer and Findigs. These CRA Terms supersede all prior versions of the CRA Terms that may have been entered into by and between Customer and Findigs. Findigs and Customer agree as follows:
Solely for the purposes of these CRA Terms, capitalized terms shall have the meanings set forth in Exhibit A (Definitions) hereto. Capitalized terms used but not defined in Exhibit A (Definitions) shall have the meanings set forth in the General Terms.
(a) Use of Consumer Reporting Information. Findigs makes Consumer Report Information available to its customers who have a permissible purpose for receiving such information in accordance with the FCRA.
(b) Permissible Purpose for Consumer Report Information. Customer certifies that it has at least one of the following permissible purposes for requesting Consumer Report Information in accordance with Applicable Law:
(i) Legitimate business need for the information in connection with a business transaction that is initiated by a consumer for personal, family, or household purposes, including, but not limited to, for tenant screening; or
(ii) Use in connection with the underwriting of insurance involving the consumer or review of existing policy holders for insurance underwriting purposes, or in connection with an insurance claim where written permission of the consumer has been obtained; or
(iii) Written authorization of the consumer who is the subject of the Consumer Report Information expressly authorizing Customer to obtain the Consumer Report Information, with such written authorization containing, at a minimum, the subject’s name, address, Social Security number (where available), and signature (verbal authorization of consumers are permitted as long as such comply with the requirements of the Electronic Signatures in Global and National Commerce Act (E-Sign Act)).
(c) Compliance with Consumer Report Policies. Customer acknowledges and agrees that such Consumer Reports are subject to Consumer Report Policies and agrees to comply with all Consumer Report Policies, which may be updated from time to time.
(a) Scores. Customer may request, in writing, that Findigs provide Customer with Scores, which Findigs may make available as reasonably practicable for Customer’s exclusive use.
(b) Use of Scores. Customer shall use Scores only in accordance with its permissible purpose under the FCRA and may store Scores solely for Customer’s own use in furtherance of Customer’s original purpose for obtaining the Scores. Customer shall not use the Scores for model development or model calibration and shall not reverse engineer the Scores.
(c) Adverse Action Factors. Customer recognizes that factors other than the Scores may be considered in making a decision regarding a consumer. Such other factors include, but are not limited to, the credit report, the individual account history, application information, and economic factors. Findigs may provide score reason codes to Customer, which are designed to indicate the principal factors that contributed to the Scores, and may be disclosed to consumers as the reasons for taking adverse action, as required by the ECOA and Reg. B. The Score itself, when accompanied by the corresponding reason codes, may also be disclosed to the consumer who is the subject of the Score.
(d) Confidentiality of Scores. All Scores are proprietary to Findigs and applicable Third Party Credit Bureaus supplying the Score and, accordingly, without appropriate prior written consent the Scores may not be sold, licensed, copied, reused, disclosed, reproduced, revealed, or made accessible, in whole or in part, to any person except as expressly permitted herein when accompanied by the corresponding reasons codes, to the consumer who is the subject of the Score as required by law. Customer shall not, nor permit any third party to, publicly disseminate any results of the validations or other reports derived from the Scores without prior written consent.
(e) Model Development Restrictions. Customer may not use any Score itself as the reason for adverse action under Reg B. Customer also shall not use any Scores for model development or model calibration and shall not reverse engineer any Scores. All Scores provided hereunder will be held in strict confidence and may never be sold, licensed, copied, reused, or reproduced, and may never be disclosed, revealed or made accessible, in whole or in part, to any Person, except that they may be disclosed (i) to those employees of Customer with a need to know and in the course of their employment; (ii) to those agents and contractors of Customer who have a need to know in connection with Customer’s use of the Scores as permitted hereunder and who have executed a written agreement that limits the use of the Scores by such agents and contractors only to the use permitted by Customer and contains the prohibitions set forth herein regarding model development, model calibration, reverse engineering and confidentiality; (iii) when accompanied by the corresponding reason codes, to the consumer who is the subject of the Score, when in connection with an adverse action notice; (iv) to government regulatory agencies; or (v) as required by Applicable Law. For the purpose of this Section 3(e), “Person” shall mean an individual, a partnership, a corporation, a limited liability company, a trust, a joint venture, an unincorporated organization and any Government Authority; and “Government Authority” means any national, provincial, state, municipal, local or foreign government, ministry, department, commission, board, bureau, agency, authority, instrumentality, unit, or taxing authority thereof.
(f) Score Performance. Certain Scores are implemented with standard minimum exclusion criteria. Findigs and any Third Party Credit Bureau shall not be liable to End User for any claim, injury, or damage suffered directly or indirectly by End User as a result of any End User requested changes to the exclusion criteria which result in normally excluded records being scored by such Scores.
(g) Rank-Ordering Candidate Records. Third Party Credit Bureau warrants that Models are empirically derived from credit data and are a demonstrably and statistically sound method of rank-ordering candidate records with respect to the purpose of the Scores when applied to the population for which they were developed, and that no scoring algorithm used by a Score uses a “prohibited basis” as defined in ECOA and Reg. B promulgated thereunder. The Score may appear on a credit report for convenience only, but is not a part of the credit report nor does it add to the information in the report on which it is based.
Findigs may electronically maintain and make available to Customer, at Customer’s request and direction, Customer forms including consumer correspondence. Customer acknowledges and agrees that it is Customer’s obligation to ensure the accuracy and completeness of the forms and to ensure its compliance with all Applicable Law related to the use of such forms. Findigs makes no representations or warranties as to the content or use of such forms.
CUSTOMER ACKNOWLEDGES AND UNDERSTANDS THAT THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES MAY BE FINED UNDER TITLE 18, OR IMPRISONED NOT MORE THAN TWO (2) YEARS, OR BOTH.
Customer is in the business of ownership or management of residential properties, has any required licensure in place in accordance with Applicable Law and has a permissible purpose for obtaining consumer reports in accordance with the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) including, without limitation, all amendments thereto. Customer certifies that it shall request Consumer Report Information solely for Customer’s exclusive one-time use and use such information solely for the permissible purpose(s) that are indicated by Customer below in and for no other purpose, subject however, to the additional restrictions set forth herein. Moreover, if requested by Findigs, Customer agrees to, and shall, individually certify the permissible purpose for each Consumer Report it requests, in addition to the blanket certification set forth herein. For purposes of this Agreement, the term “adverse action” shall have the same meaning as that term is defined in the FCRA.
Customer agrees to retain copies of all written authorizations described in the preceding paragraph for a minimum of five (5) years from the date of inquiry, and to make such authorizations available to Findigs upon request.
Customer certifies that it shall use the Consumer Reports solely for: (a) the permissible purpose(s) certified by the Customer; and (b) for Customer’s exclusive one-time use, including, but not limited to, for the purpose of selling, leasing, renting or otherwise providing information obtained under this Agreement to any other party, whether alone, in conjunction with Customer’s own data, or otherwise in any service which is derived from the consumer reports. The Consumer Reports shall be requested by, and disclosed by Customer only to Customer’s designated and authorized employees having a need to know and only to the extent necessary to enable Customer to use the Consumer Reports in accordance with this Agreement. Customer shall ensure that such designated and authorized employees shall not attempt to obtain any Consumer Reports on themselves, associates, or any other person except in the exercise of their official duties. Certification under this permissible purpose does not authorize the Customer to purchase consumer reports for the purpose of selling or giving the report or any portion of the report to the subject of the report, or to any other third-party.
(a) Applicant and/or Tenant Consent. Customer will obtain the written consent of each individual Applicant and/or Tenant before initiating an Applicant / Tenant Review.
(b) Customer Rental Decisions. Customer acknowledges and agrees that Findigs provides only Consumer Reports concerning an Applicant or a Tenant, and that all decisions of whether or not to rent property to a particular Applicant or Tenant, as well as terms of any such rental, will be made by Customer. Findigs shall have no liability to Customer or to any Applicant, Tenant, or other person or entity for any rental, or the failure to rent, to any Applicant or Tenant, or the terms of any such rental, regardless of whether or not Customer’s decision was based on Consumer Report Information, or other information provided to Customer by Findigs.
(c) Consumer Report Retention. Unless otherwise stated in writing by Findigs, Consumer Report Information is retained on behalf of Customer for a period of sixty (60) days. Consumer Report Information may be accessed by Customer within this retention period only for and in connection with the original permissible purpose certified by Customer and may not be used for any other subsequent use, even if the permissible purpose of any subsequent use is the same as that originally certified by Customer. The parties agree that Recommendations are based on Customer’s Evaluation Criteria and the may be retained by Findigs on behalf of Customer beyond sixty (60) days and used for depersonalized data analytics and customer service purposes.
(d) Evaluation Criteria. Customer, not Findigs, shall have sole responsibility for the legality and appropriateness of all Evaluation Criteria and for ensuring that use of such Evaluation Criteria is compliant with all Applicable Law.
Those provisions of these CRA Terms that by their terms or nature are intended to survive termination or expiration of the Agreement will survive and remain in full force and effect, including, each in accordance with their respective terms and without limitation, the terms of Sections 1 (“Definitions”), 2(b) (“Permissible Purpose for Consumer Report Information”), 2(c)(“Compliance with Consumer Report Policies”), 3(b) (“Use of Scores”), 3(d) (“Confidentiality of Scores”), 3(e) (“Model Development Restrictions”), 3(f) (“Score Performance”), 4 (“Subscriber Forms”), 5 (“FCRA Penalties”), 6 (“Customer Certifications”), 7 (“Authorization Records”), 8 (“Use of Consumer Reports”) and 9(d) (“Evaluation Criteria”) of these Screening Terms, and this Section 10 (“Effect of Termination”).
The following terms have the following meanings when used in the CRA Terms:
“CRA Services” means Findigs’ offerings to help Customer obtain consumer reports or information from consumer reporting agencies as defined under the FCRA and the resale and distribution of reports to Customers for permissible purposes under the FCRA, such as tenant screening, credit decisions, fraud prevention, regulatory compliance, insurance underwriting or other legally authorized purposes.
“ECOA” means Equal Credit Opportunity Act and its implementing Regulation (“Reg. B”)
“FCRA” means the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) including, without limitation, all amendments thereto.
“Models” means the scoring algorithms used in the computation of the scoring services provided under this Agreement.
“OFAC Screen” means a screening of a Person or other relevant information against the sanctions lists administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (which may include, for example, the Specially Designated Nationals and Blocked Persons List and any other applicable sanctions lists), to determine whether such Person is subject to U.S. economic or trade sanctions.
“Scores” means certain scores (such as scores received from Third Party Credit Bureaus) generated in connection with the delivery of a Consumer Report.
“SSA” means the Social Security Administration.
