Service Agreement

1. Access to Consumer Reports

Information Direct provides consumer reports as background screening services. Client confirms that it has authorization to access and receive such reports and will only use such reports for authorized purposes under applicable law. Client is responsible for all compliance requirements related to obtaining and using these reports.

2. Requesting Reports

Client agrees to request reports only for permissible purposes under FCRA Section 604. Client confirms it has obtained written authorization from the consumer before requesting a report. Client will not request reports based on protected characteristics or for discriminatory purposes. All information provided by Client must be accurate and complete.

3. Adverse Action Requirements

If Client intends to take adverse action based on information in a report, Client must provide the consumer with: (a) a copy of the report; (b) the FTC-approved summary of consumer rights; (c) a reasonable opportunity to respond or dispute. Client must wait a reasonable period before taking final action. Client will provide notice of adverse action with Information Direct contact information.

4. Ongoing Obligations

Client agrees to comply with all FCRA requirements and state-specific background check laws. Client will maintain records of all disclosures, authorizations, and adverse action notices for at least three years. Client will not disclose reports to unauthorized third parties. Client will dispute investigation requests within 30 days and cooperate with reinvestigation procedures as required by law.

5. Confidentiality

Client agrees to maintain strict confidentiality of all consumer reports and related information. Reports and information contained therein will be used solely for the permissible purpose(s) authorized by Client. Client will not disclose reports to any person except those who have a permissible purpose under FCRA or those authorized by law. Violation of confidentiality will result in immediate termination of service and potential legal action.

6. Penalties and Liability

Client acknowledges that violation of FCRA and state background check laws can result in significant civil and criminal penalties. Information Direct will not be responsible for Client's failure to comply with legal requirements. Client assumes all liability for adverse action decisions made based on Information Direct reports. Client will indemnify and hold harmless Information Direct from any claims arising from Client's use of reports or failure to comply with applicable law.

Agreement Acceptance

By accessing and using Information Direct background screening services, Client agrees to be bound by this Service Agreement and all applicable laws and regulations governing background screening and consumer reports.