GLBA Permissible Use Descriptions

Federal law, in conjunction with your user agreement with LexisNexis®, requires you to have a permissible use in order to view personal information. 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, you will not be given access to the personal information.
 

In addition to complying with these privacy acts, you should understand that, under the Fair Credit Reporting Act (FCRA) (15 U.S.C. sec 1681), the data provided to you by using the LexisNexis products may not be used as a factor in establishing a consumer's eligibility for credit, insurance, employment or other purposes by that act.

 

What is the "Gramm-Leach-Bliley Act" (GLBA)?
 

The Gramm-Leach-Bliley Act of 1999 (Financial Modernization Act of 1999) (15 U.S.C. 6801 to 6809) ("GLBA"), which became effective November 12, 1999, is a federal law enacted to govern the distribution and use of materials held by financial institutions containing consumers' personal financial information, in conjunction with any similar state laws that may be more restrictive than the GLBA.

 

If you select a GLBA permissible use, your search will run against data which is regulated by the GLBA and which is contained within the LexisNexis' ALLFND database.

 

If you select "I Do Not Have a Permissible Use," your search will run against data which is not regulated by the GLBA. All LexisNexis databases which contain non-public information that is individually identifying information are made available for lawful and appropriate uses only.

 

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NOTE:  The available DPPA Permissible use selections may change depending on your organization's product subscription.

 

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NOTE:  Below are examples of applications for use of the data in this file that may fall within the listed purposes. In providing the examples, LexisNexis is supplying a list of possible applications under some of the GLBA exceptions. However, by compiling this list and supplying the same to you, LexisNexis is not providing any legal advice to you and the submission of this list should not be construed as such. LexisNexis suggest that you consult your 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:

Legal Compliance

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

Examples:

Required Institutional Risk Control

For use in required institutional risk control programs.

Examples:

Transactions Authorized by Consumer

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

Examples:

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:

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:

I Do Not Have a Permissible Use

For persons who do not have a GLBA permissible use.

 


 

For information on the requirements for requesting that records about yourself be removed from non-public information databases, you may review this web site:

http://www.lexisnexis.com/terms/privacy/data/remove.asp