Privacy Policy

1. Who we are and what this covers

Phone Number Credit Score is a brand of Venture Matching LLC (“Venture Matching LLC,” “we,” “us” or “our”). This Privacy Policy explains how we collect, use, disclose and protect personal information in connection with phonenumbercreditscore.com and its subdomains, our applications, APIs, reports, scores, communications and other services (the “Services”), including the phone intelligence, caller identification, risk scoring, background search and credit products described in our Terms of Service.

It covers information about our visitors, waitlist members, customers and account holders (“you”), and information about people and phone numbers that are the subject of searches (“Search Subjects”). By using the Services you acknowledge this Privacy Policy. Capitalized terms not defined here have the meanings in our Terms of Service.

2. Information we collect

Information you give us

• Contact and account information: name, email address, phone number, mailing address, username, password and account preferences, including when you join our waitlist.
• Identity and verification information: date of birth, address history, the last four digits or full Social Security number, government ID details and images, business information, and answers to verification questions, where needed to verify your identity or your eligibility for a product.
• Search inputs and certifications: the phone numbers, names and other details you search for, the purposes you state, and the permissions, consents, authorizations and certifications you provide or upload.
• Payment information: billing details and payment card or account information, which is processed by our payment processors. We generally receive only limited details such as the card type, last four digits and expiration date.
• Communications: messages, support requests, disputes, survey responses, feedback and recordings or transcripts of calls with us, where allowed by law.

Information collected automatically

• Device and connection information: IP address, approximate location derived from it, browser and device type, operating system, language, referring URLs and identifiers.
• Usage information: pages and features used, searches and reports run, clicks, timestamps, session information, error logs and security events, such as sign-in attempts.
• Cookies and similar technologies: see section 7.

Information from other sources

• Data suppliers: telecommunications carriers and databases, caller ID (CNAM) providers, phone intelligence and fraud prevention services, commercial data brokers, and providers of public record information.
• Consumer reporting agencies: consumer report information and credit scores, including FICO® Scores, for Credit Products.
• Public sources: government records, court records, property records, licenses and other publicly available information.
• Service providers and partners: identity verification, payment, security, analytics, advertising and marketing partners, and companies we work with to offer or promote the Services.

Inferences

We create inferences and derived data, including scores, ratings, risk indicators, matches and profiles, from the information above.

3. Information about people who are searched

Our Search Products compile information about phone numbers and the people and businesses associated with them from the sources described above. This may include names and aliases, phone numbers, carrier and line type, caller ID names, addresses and address history, email addresses, age or date-of-birth range, relatives and associates, and public records. We use this information to provide and improve the Services, to verify identities and prevent fraud, and for the other purposes in section 4.

If you are a Search Subject, you can ask us to access, correct or suppress information about you as described in section 8 and section 9.

4. How we use information

We may use the information we collect for any of the following purposes, and as otherwise allowed by law:

• to provide, operate, maintain and deliver the Services, including running searches, generating reports and calculating scores;
• to create and manage accounts, verify identity and eligibility, and confirm the permissions and permissible purposes users certify;
• to process payments, subscriptions and refunds;
• to communicate with you, including service, security, billing and support messages and responses to your requests;
• to send marketing and promotional communications, newsletters and offers about our Services and those of our partners, by email, text message, phone, mail or other channels, subject to your choices and to any consent the law requires;
• to personalize the Services and show you content and advertising, including interest-based advertising, on our Services and elsewhere;
• to analyze usage, measure performance, conduct research and develop and improve our products, data, matching, and scoring and risk models, including through machine learning and other automated processing;
• to detect, prevent and investigate fraud, abuse, security incidents, and misuse of the Services, and to audit compliance with our Terms and our suppliers’ requirements;
• to comply with law, regulation, legal process and the requirements of our data suppliers, and to establish, exercise or defend legal claims;
• to create de-identified or aggregated information, which we may use and disclose for any purpose; and
• for any other purpose we describe when we collect the information, or with your consent.

5. How we disclose information

Subject to section 6, we may disclose the information we collect to:

• Customers of the Services: information about Search Subjects is disclosed to users who search for it, in search results, reports and scores.
• Service providers: companies that perform services for us, such as hosting, content delivery and security, payment processing, identity verification, email and messaging, customer support, analytics and professional services.
• Data suppliers and consumer reporting agencies: to request data, verify identities and permissible purposes, and comply with their audit and reporting requirements.
• Advertising, analytics and marketing partners: including advertising networks and social media platforms, to measure and deliver advertising, including interest-based advertising.
• Business partners and other third parties: including data partners and companies that offer products or services that may interest you, which may use it for their own purposes, including their own marketing. Some of these disclosures may be considered a “sale” or “sharing” of personal information under state privacy laws; see section 9 for your right to opt out.
• Affiliates: companies under common ownership or control with Venture Matching LLC.
• Corporate transactions: a buyer, successor, investor or other party in connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or part of our business or assets, including during negotiations.
• Legal and safety: courts, law enforcement, regulators, government agencies and other parties when we believe disclosure is required or appropriate to comply with law or legal process, respond to lawful requests, enforce our Terms, or protect the rights, property or safety of us, our users, Search Subjects or others, including by reporting suspected misuse of the Services.
• With your consent or at your direction.

6. Credit and other regulated information

Consumer report information and credit scores we obtain for Credit Products, and information subject to the Gramm-Leach-Bliley Act, the Driver’s Privacy Protection Act or similar laws, are used and disclosed only as those laws and our suppliers’ requirements allow. We do not sell or share this information for marketing or advertising, and we do not use it for any purpose other than the permissible purpose for which it was obtained. Social Security numbers and government ID details are used only for identity verification, fraud prevention and legal compliance.

7. Cookies, analytics and advertising

We and our partners use cookies, pixels, tags, local storage, software development kits and similar technologies to operate and secure the Services (for example, keeping you signed in and protecting forms from abuse), remember your preferences, understand how the Services are used, and deliver and measure advertising, including interest-based advertising across websites, apps and devices. Our content delivery and security provider and our web font provider receive your IP address and technical information when you load our pages.

We use Google Analytics to understand how visitors use our website. It sets cookies and receives your IP address, device and browser details, and the pages and features you use. We don’t send it the phone numbers, names or other details you enter. Learn how Google uses this information at policies.google.com/technologies/partner-sites, and opt out with the Google Analytics opt-out browser add-on.

Your choices. The first time you visit, we ask about cookies. In the European Economic Area, the United Kingdom and Switzerland, analytics and advertising cookies stay off unless you turn them on. Elsewhere, analytics cookies are on unless you turn them off, and advertising cookies stay off unless you turn them on. You can change your choice anytime with Cookie settings, also linked at the bottom of every page. We remember your choice for 13 months.

• Essential: __Host-pncs (your session: keeps you signed in and protects forms, deleted when you close your browser or sign out), pncs_consent (your cookie choice, 13 months), pncs_tz (your device’s time zone, so dates and times show on your clock, 1 year), __Host-pncs_did (a random ID for your browser, so we can recognize a device you’ve used before and spot sign-ins and payments from one you haven’t, which protects your account from fraud, 13 months), and pncs_ref (only if you followed a partner’s referral link: which partner sent you, so they’re credited if you buy, 30 days). Your light or dark mode choice is kept in your browser’s local storage. These can’t be turned off.
• Analytics: _ga and _ga_* from Google Analytics (13 months), only with analytics on.
• Advertising: none today. If we add advertising partners, their cookies will be set only with advertising on.

You can block or delete cookies in your browser settings, though some features may not work without them. Our Services do not respond to “Do Not Track” browser signals. Where state law requires, we treat a Global Privacy Control (GPC) signal from your browser as a request to opt out of the sale or sharing of your personal information and targeted advertising for that browser. You can also learn about opting out of interest-based advertising from participating companies at optout.aboutads.info and optout.networkadvertising.org.

8. Your choices

• Marketing emails: use the unsubscribe link in any marketing email, or email us. We will still send service, security, billing and legal messages.
• Text messages: we send marketing texts only with your consent. Reply STOP to stop receiving them, or HELP for help. Message and data rates may apply. Consent to marketing texts is never a condition of purchase.
• Account information: you can update account information in your account, or ask us to close your account.
• Search Subjects: you can ask us to suppress information about you from our Search Products by emailing [email protected]. We may need to verify your identity, and we may keep a minimal record so that suppression stays in effect.
• Opting out of sale, sharing and targeted advertising: email [email protected] with the subject “Do Not Sell or Share My Personal Information,” or use a Global Privacy Control signal.

9. Your state privacy rights

Depending on the state where you live, including California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah and Virginia, you may have some or all of the following rights, subject to exceptions:

• Know and access: confirm whether we process your personal information and get a copy of it, including in a portable format;
• Correct inaccurate personal information;
• Delete personal information;
• Opt out of the sale of personal information, sharing for cross-context behavioral advertising, targeted advertising, and profiling in furtherance of decisions that produce legal or similarly significant effects;
• Limit or consent to the use of sensitive personal information, where applicable;
• Obtain a list of the categories of third parties, or in some states the specific third parties, to which we have disclosed personal information; and
• Appeal our decision on your request.

To exercise a right, email [email protected] and tell us which right and which state you live in. We will verify your request by matching information you provide with information we hold, and may ask for more if needed. You may use an authorized agent; we may require proof of the agent’s authority and ask you to verify your identity directly. We will respond within the time the law requires. If we deny your request, you may appeal by replying with the subject “Privacy appeal”; if your appeal is denied, you may contact your state attorney general. We will not discriminate against you for exercising your rights.

Some information is exempt from these laws, including consumer report information governed by the FCRA, information governed by the Gramm-Leach-Bliley Act, and, in some states, publicly available information. We may keep information where the law allows, for example to complete a transaction, prevent fraud, comply with legal obligations or keep a record of your request.

10. Additional notice for California residents

In the past 12 months we have collected the following categories of personal information described in the California Consumer Privacy Act: identifiers (such as name, email, phone number, IP address and account identifiers); customer records (such as address, payment information and, for Credit Products, financial information); characteristics of protected classifications (such as age); commercial information (such as purchases); internet or other electronic network activity; geolocation data (approximate, from IP address); audio or electronic information (such as support call recordings); professional information included in public records; inferences; and sensitive personal information (such as Social Security number, government ID and account log-in). We collect these from the sources in section 2, for the purposes in section 4, and disclose each category for business purposes to the recipients in section 5.

Our Services and the categories of recipients described in section 5 may involve the “sale” or “sharing” of identifiers, internet activity, commercial information and inferences to advertising, analytics, marketing and data partners. As of the effective date of this policy, we have not sold or shared personal information in the preceding 12 months. We do not knowingly sell or share the personal information of consumers under 16. We use sensitive personal information only for purposes permitted by the CCPA regulations, such as providing the Services, verifying identity, security and fraud prevention, and legal compliance, so the right to limit does not apply. California residents may also request information about disclosures to third parties for their direct marketing purposes under California Civil Code § 1798.83.

11. Retention

We keep personal information for as long as needed for the purposes in this policy, including to provide the Services, keep records of searches, certifications and permissible purposes (generally at least five years), meet legal, tax, accounting and supplier requirements, resolve disputes, prevent fraud and enforce our agreements. Waitlist information is kept until you unsubscribe or ask us to delete it, or until we no longer need it. When we no longer need information, we delete, de-identify or aggregate it.

12. Security

We use administrative, technical and physical safeguards designed to protect personal information, including encryption in transit, encryption of sensitive credentials at rest, access controls and monitoring. No method of transmission or storage is completely secure, and we cannot guarantee security. If we learn of a security breach affecting your personal information, we will notify you as required by law.

13. Children

The Services are intended only for adults 18 and older and are not directed to children. We do not knowingly collect personal information from children under 13 through the Services. If you believe a child has given us personal information, contact us and we will delete it.

14. United States only

The Services are intended only for people in the United States, and information is processed and stored in the United States. If you access the Services from elsewhere, you do so on your own initiative.

15. Changes to this policy

We may update this Privacy Policy at any time. We will post the updated policy here with a new “Last updated” date and, for material changes, may also notify you by email or through the Services. Your continued use of the Services after the update means you acknowledge the updated policy.

16. Contact us

Venture Matching LLC
United States
[email protected]