Permissible Use Descriptions – GLBA & DPPA

Federal law, in conjunction with your Terms of Service User Agreement, requires that you have a permissible use to order the reports and personal information offered on our website. The applicable laws governing these uses are the Drivers' Privacy Protection Act (DPPA) and related state laws and the Gramm-Leach-Bliley Act (GLBA). If you do not have a permissible use and do not check the box stating that you have read and understand the Permissible Use descriptions, you will not be given access to ordering from our site.

Below are examples of Permissible Uses for ordering reports from our website. Civil Investigation Agency is supplying a list of possible lawful uses. However, by compiling this list and supplying the information to website visitors, CIA is not providing any legal advice, and the access to and the information provided on this list should not be construed as such. CIA suggests that you consult your own attorney/legal counsel for advice on whether your use of this data complies with the GLBA.

FRAUD PREVENTION OR DETECTION

For use to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability.

Examples:

  • Fraud prevention or detection by government sector

  • Fraud prevention or detection by private sector

  • Due diligence research on potential or existing customers or applicants

  • Due diligence research on potential or existing vendors

  • Due diligence research on present or future alliances or acquisitions

  • Insurance claims investigations

  • Asset verification

  • Locate criminals, witnesses and victims of fraud

  • Locate beneficiaries and heirs

  • Locate customers for legal purposes

  • Child support enforcement

  • Risk management analysis

 

LEGAL COMPLIANCE

For use in complying with Federal, State, or local laws, rules, and other applicable legal requirements.

Examples:

  • Locate beneficiaries and heirs

  • Locate customers for legal purposes

  • Locate shareholders

  • Locate pension beneficiaries

  • Legally required employee investigation

  • Legally mandated authentication

  • Service of process for legal compliance

  • Insurance claims investigation

 

REQUIRED INSTITUTIONAL RISK CONTROL

For use in required institutional risk control programs.

Examples:

  • Required risk management

  • Legally mandated authentication

 

TRANSACTIONS AUTHORIZED BY CONSUMER

As necessary to effect, administer, or enforce a transaction requested or authorized by the consumer.

Examples:

  • Collection activities

  • Skip tracing to locate debtors

  • Skip tracing to locate references

  • Child support enforcement

  • Asset verification

 

USE BY PERSONS ACTING IN A FIDUCIARY CAPACITY ON BEHALF OF THE CONSUMER

For use by persons acting in a fiduciary or representative capacity on behalf of the consumer.

Examples:

  • Locate beneficiaries and heirs

  • Locate shareholders

  • Locate pension beneficiaries

 

USE BY PERSONS HOLDING A LEGAL OR BENEFICIAL INTEREST RELATING TO THE CONSUMER

For use by persons, or their representatives, holding a legal or beneficial interest relating to the consumer.

Examples:

  • Child support enforcement

  • Locate beneficiaries and heirs

  • Locate shareholders

  • Locate pension beneficiaries

  • Due diligence research on potential or existing customers or applicants

  • Due diligence research on potential or existing vendors

  • Due diligence research on present or future alliances or acquisitions