Published on
February 25, 2026
If you (“You,” “Your” or “Customer”) have entered into an Order Form with Findigs for Services that are subject to the General Customer Terms and Conditions (the “General Terms”), you may also be subject to certain state-specific laws, rules, regulations and restrictions as set forth in these State Specific Terms and Conditions (the “State Specific Terms”). These State Specific Terms are hereby incorporated into the Agreement by and between Customer and Findigs. Capitalized terms used but not defined in these State Specific Terms shall have the meanings set forth in the General Terms or, as applicable, the Service Specific Terms (as such term is defined in the General Terms). Findigs and Customer agree as follows:
(a) When Customer requests a consumer report on a Vermont resident, Customer expressly agrees to obtain the consumer’s consent before requesting said consumer report to the extent and in the manner required by Vermont law.
(b) For any Customer located in Vermont or screening, evaluating or otherwise interacting with Applicants or Tenants located in Vermont, Customer certifies that, in accordance with the VFCRA, it will comply with applicable provisions under Vermont law. In particular, Customer certifies that it will order information services relating to Vermont residents, that are credit reports as defined by the VFCRA, only after Customer has received prior consumer consent in accordance with VFCRA § 2480e and applicable Vermont Rules. Customer further certifies that a copy of VFCRA § 2480e was received during Customer Onboarding.
(c) As used in this section, “VFCRA” means the Vermont Fair Credit Reporting Statute, 9 V.S.A. § 2480a (2016), as amended.
For any Customer located in California or Customer screening, evaluating or otherwise interacting with Applicants or Tenants located in California:
(a) Customer represents, warrants, and certifies it will comply with all applicable provisions of the California Credit Reporting Agencies Act and the California Investigative Consumer Reporting Agencies Act as applicable, including but not limited to, providing a disclosure to the consumer that an investigative consumer report may be obtained about them, obtaining the consumer’s written authorization to do so prior to requesting any Services, and providing a conforming Adverse Action Notice where required.
(b) Customer represents, warrants, and certifies that: (a) Customer is NOT a “retail seller” (as defined in Section 1802.3 of the California Civil Code); and (b) Customer does not issue credit to California residents who appear in person on the basis of applications for credit submitted in person. Customer further certifies that it will notify Findigs in writing thirty (30) days prior to becoming a retail seller or engaging in point of sale transactions with respect to California residents.
To the extent Customer is requesting Massachusetts CORI information: (a) Customer notified the Consumer in writing of, and received permission via a separate authorization for Findigs to obtain and provide CORI Information to Customer; (b) Customer is in compliance with all federal and state credit reporting statutes; and (c) Customer will not misuse any CORI Information provided in violation of federal or state equal employment opportunity laws or regulations. As used in this section, “CORI Information” means any information made available through the Massachusetts Criminal Offender Record Information system.
