1. User has access to consumer reports, defined as ANY report used to determine an individual’s eligibility, as outlined in the Fair Credit Reporting Act (FCRA), which includes employment (pre-employment, promotion, reassignment, periodic background checks), tenant screening, use in connection with a financial transaction/extension of credit or the underwriting of insurance.

  2. Requesting a Consumer Report and/or Investigative Consumer Report for Employment Purposes.

    User agrees that a consumer report for employment purposes will not be requested unless:

      1. A clear and conspicuous disclosure has been made in writing to the consumer before the report is obtained, in a document that consists of the disclosure, that a consumer report may be obtained for employment purposes.

      1. The consumer has authorized in writing the procurement of the report.

      1. If an Investigative Consumer Report is requested, the consumer must be notified in writing not later than three days of requesting said report.

        1. A Consumer Summary of Rights must be provided in the format approved by the Federal Trade Commission. AccurateSource.Com Inc. will provide an initial copy.

        1. The consumer has the right to request the nature and scope of the investigation and the employer must respond in writing not later than five days after receiving the consumers request or from the date the investigation was first requested, whichever is the later.

    1. Requirements upon an Adverse Action/Decision
      User agrees that before taking adverse action due to contents in whole or part of the Consumer Report, it will provide to the consumer:
      1. A copy of the Consumer Report.
      2. A copy of the Summary of Consumer rights in the format approved by the Federal Trade Commission. An initial copy of
        the summary will be provided by AccurateSource.Com Inc.

      1. Adverse Action Notification:

        1. Must be in written, oral or electronic form.

        1. Must contain AccurateSource.Com Inc. name, address and phone number.

        1. Must advise the consumer of his/her right to obtain a free copy of the report within 60 days of the adverse action and to dispute the accuracy or completeness of the report.

    1. User acknowledges that this entire procedure must be repeated before future reports on the individual are requested.

    1. User will hold the contents of the consumer report in strict confidence and use information only for purposes outlined in the disclosure. User will also hold AccurateSource.Com Inc. harmless from any liability arising from AccurateSource.Com Inc.'s access to or disclosure of information under this application or use or reliance on the information received and any violation of applicable laws due to the acts or omissions of AccurateSource.Com Inc. Further "user" agrees to release and idemnify AccurateSource.Com Inc. or any of their information suppliers, their parent, sister, and affiliate entities as well as officers, employees, contractors, and agents from all liability arising from any unauthorized access, improper use, or reliance on any of the information or data we provide pursuant to this agreement. Any service or data provided hereto by AccurateSource.Com Inc. to any client / customer is solely exchanged on a strictly "as-is" basis with no promise as to any of the information gathered and provided to be relevant, accurate or its perfomance or fitness of data is neither expressed nor implied.

    2. User hereby agrees that by using our website you waive your legal rights and hold immunity to sue us in any court of law. User cannot hold company liable for any loss of employment, wages, medical, or demand any form of compensation for any sort of loss either monetarily, mentally, physically, or anything negative resulting from the business exchange between you and company or to any entity authorized in obtaining any disclosed data provided to you from company. Accurate Source.Com, Inc is a private corporation and all forms of arbitration can only be communicated through company directly and will fall outside of any governing laws. As a user you fully understand and willingly accept these terms by using our website.

    3. Failure to comply with FCRA requirements can result in state or federal enforcement actions, as well as private lawsuits. (Section 606, 617, 621). In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. (Section 619).