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TransUnion LLC Privacy Notice Privacy Notices TransUnion LLC Privacy Notice TransUnion LLC (TransUnion) TransUnion Consumer Interactive (TUI) TransUnion Rental Screening Services (TURSS) TransUnion Risk and Alternative Data Solutions (TRADS) Marketing Solutions iovation Neustar KONTXT TransUnion Drive TransUnion Customer/Partner Portal Global Job Applicant International Regions Print This notice was last modified on and has an effective date of July 1, 2026. We have recently updated our Privacy Notice. Be sure to review it carefully to understand our privacy practices. This Privacy Notice (“Notice”) explains how Trans Union LLC (“TransUnion,” “we,” “us,” or “our”) handles personal information and outlines your rights. Use of our services constitutes your agreement to the terms of this Notice. Scope: This Notice applies to the extent we act as a data controller with respect to the services and products we provide via TU LLC websites and our related applications. This Notice does not cover practices of other TransUnion businesses or products, nor your interactions with us as a job applicant. Please see those respective privacy notices listed on the left-hand panel of this page for more information on those privacy practices. For transparency purposes only, this Notice provides limited information regarding certain consumer credit reporting and other regulatory activities, governed by the Fair Credit Reporting Act, such as certain uses of the Consumer Online Self Service, Digital Self Service, and TransUnion FactAct website, as well as certain business solutions and entities, including Monevo Inc. For more information, please navigate to the “Rights under the Fair Credit Reporting Act (FCRA)” section below. Otherwise, this Notice does not apply to entities, services, or products that fall outside the scope of comprehensive U.S. state privacy laws, including Datalink Services Inc. and Drivers History Information Sales LLC (DHI) services (which are subject to the Driver’s Privacy Protection Act (DPPA)) and services subject to industry-specific laws, such as the Health Insurance Portability and Accountability Act (HIPAA), the Gramm‑Leach‑Bliley Act (GLBA), and state insurance laws. In those cases, the applicable notices and rights provided under those laws apply, rather than the disclosures and rights in this Notice. Visit our US State Privacy Rights page to exercise your privacy rights and choices. Notice at Collection: We collect personal information as described in this Notice. The categories of personal information that we collect are listed below under “Personal information we collect,” and the purposes for which we collect and use personal information are listed below under “Purpose for collecting and use of personal information.” To learn more about your privacy rights, including your right to opt out of the sale or sharing of your personal information, please navigate to the “Privacy rights and choices” section below. Our retention practices are outlined below under “Retaining personal information.” View annual consumer requests metrics (California Consumer Privacy Act (CCPA) and California Data Broker Registration) for TransUnion Companies. 1. Personal information we collect As an information solutions provider, we may collect different types of personal information about you from various sources. The below chart describes the categories of personal information we may have collected in the past 12 months, and from whom we collected the personal information, listed by category of personal information. Category of Personal Information Personal information we collect From whom we collect it Identifiers What we collect Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; email address(es); telephone number(s) Device identification information used to access our websites; we may associate this device with a mobile telephone number Information collected passively via cookies and similar technology IP addresses, device identifiers, and application identifiers Categories of Sensitive Personal Information: Social Security number or certain other information, such as date of birth, employment information, and credit card account information From whom we collect it (by category of sources): Information you provide Information collected passively via cookies and similar technology. Advertising Partners. Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Government entities Information that is publicly available Insurance carriers Marketing companies TransUnion Companies Personal information categories listed in the California Customer Records statute Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, an individual’s name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Note that personal information in this category may overlap with other categories. What we collect Name (first, last, and/or maiden name) (or that of a family member or child); home address, billing address, or other physical address; email address(es), telephone number(s) Device identification information, which we may associate with a mobile telephone number Information collected passively via cookies and similar technology. Revenue-related information of Subscribers IP addresses, device identifiers, and application identifiers Categories of Sensitive Personal Information: Social Security number or certain other information, such as date of birth, employment information, and credit card account information From whom we collect it (by category of sources) Information you provide Information collected passively via cookies and similar technology Advertising Partners Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Public records made lawfully available from Government agencies Government (information not in public records) Insurance carriers Marketing companies TransUnion companies Characteristics of protected classifications under state or federal law An individual’s age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). What we collect Categories of Sensitive Personal Information: Age, race, ethnicity, religion, marital status, political party affiliation, country of origin, spoken language, and gender From whom we collect it (by category of sources) Information you provide Advertising partners Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Public records made lawfully available from Government agencies Government (information not in public records) Insurance carriers Marketing companies TransUnion Companies Commercial information What we collect Records of online services you purchased, obtained, or considered purchasing from us Property records Small/personally-owned business data Business data that identifies, describes, or could reasonably be linked/associated to you From whom we collect it (by category of sources) Information you provide Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Public records made lawfully available from Government agencies Government (information not in public records) Insurance carriers Marketing companies Biometric information What we collect Audio recordings as part of contact with you, for customer support or otherwise Facial imaging information From whom we collect it (by category of sources) Information directly collected from you Internet or other similar electronic network activity What we collect Information about your interactions with the website, for example, when you view or search content, we receive and track that information; web session; log file information; information such as the website(s) you visited, when you visited the website, how long you stayed, your behavior while you are on our website and from what device you accessed the website Information collected from advertising partners Information about your interactions with online forms; for example, the use of autofill, number of pauses, length of time to complete a field, number of errors, number of changed answers, typing fluency and number of repeat interactions From whom we collect it (by category of sources) Information directly collected from you Information collected passively via cookies and similar technology Data brokers, which include data aggregators, data compilers, and data compilers/originators Marketing companies TransUnion companies Geolocation data What we collect Your location via IP address, Wi-Fi access points, and cell towers From whom we collect it (by category of sources) Information directly collected from you Information collected passively via cookies and similar technology Telecommunications providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Marketing companies TransUnion companies Sensory data What we collect Audio and electronic recording, for example, when you call in with a question to customer service From whom we collect it (by category of sources) Information directly collected from you Professional or employment-related information What we collect Professional Licenses Employment Dates Employer Name Employer Information From whom we collect it (by category of sources): Information you provide Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Public records made lawfully available from Government agencies Government (information not in public records) Insurance carriers Marketing companies TransUnion companies Non-public education information (per the Family Educational Rights and Privacy Act) We do not collect this category of information Inferences drawn from other personal information What we collect Site preferences, behavior, characteristics, personal preferences From whom we collect it (by category of sources) Information directly collected from you Information collected passively via cookies and similar technology Information collected from advertising partners Banks/credit unions Collection agencies Credit reporting agencies Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Public records made lawfully available from Government agencies Government (information not in public records) Insurance carriers Marketing companies TransUnion companies 2. Purpose for collecting and use of personal information We describe the purpose for collecting personal information, listed by categories of personal information, in the chart below. Please note that a specific piece of personal information may fall into one or more categories of personal information. We may also use your personal information for other purposes disclosed at the time you provide your personal information or otherwise with your consent. Category of Personal Information Purpose of Collection Identifiers and personal information categories listed in the California Customer Records statute To verify your identity To finalize an application and otherwise set up an account for access to the online services To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements To communicate with you To conduct surveys used for research, analytics, and to enhance our product development and offerings For fulfillment of your requests and purchases, transactional and other communications about our websites and services For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law For incorporation into risk and account management and services provided to our customers We may utilize data from third parties, such as your telecommunications provider, to help confirm your identity and prevent fraudulent access. It is likely that you authorize your telecommunications provider (AT&T, Sprint, T-Mobile, Verizon, etc.) to share your personal information for the purposes of fraud prevention and identity verification. The information they share, if available, may include your telephone number, name, address, email, network status, customer type, billing type, mobile identifiers (IMSI) and (IMEI), and other subscriber status details; TransUnion limits the use of this information to prevent fraud and unauthorized access or disclosures of your personal information. Characteristics of protected classifications under state or federal law To verify your identity To finalize an application and otherwise set up an account for access to the online services To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements To communicate with you For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law For incorporation into risk and account management services provided to our customers Commercial information For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements For fulfillment of your requests and purchases, transactional and other communications about our websites and the online services For incorporation into risk and account management services provided to our customers Biometric information Customer service and quality control To verify your identity Internet or other similar electronic network activity To display, optimize, and personalize advertisements To measure advertising effectiveness To perform website analysis To predict the risk of fraud Geolocation data To verify your identity To finalize an application and otherwise set up an account for access to the online services To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements To communicate with you For product development and research, and for any purpose subject to the limitations set forth in this Notice and applicable law For incorporation into risk and account management services provided to our customers Sensory data For customer service purposes and to support consumers To train agents to ensure best customer service delivery To ensure legal and compliance obligations To help answer questions and resolve disputes For customer service representatives training purposes and to ensure customer satisfaction Professional or employment information To finalize an application and otherwise set up an account for access to the online services To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements To communicate with you For fulfillment of your requests and purchases, transactional and other communications about our websites and the online services For incorporation into risk and account management services provided to our customers Non-public education information (per the Family Educational Rights and Privacy Act) We do not collect this category of information. Inferences drawn from other personal information To create a customer profile in order to better optimize your customer experience and offer personalized advertisements To verify your identity To finalize an application and otherwise set up an account for access to the online services To enhance and optimize an account for access to and use of the online services To display, optimize, and provide personalized advertisements To communicate with you For fulfillment of your requests and purchases, transactional and other communications about our websites and the online services For incorporation into risk and account management services provided to our customers This section excludes text messaging originator opt-in data and consent; such information will not be shared with any third parties. Under the definitions and exceptions of the Connecticut Data Privacy Act, we do not use your personal data to train large language models in our services where we act as a controller. You may consent to have your personal data shared with a third party, who may use personal data to customize a large language model (for example, if you enable a data connection to your AI agent). When we sell personal data to our customers, they may use that data to customize large language models for internal purposes or as necessary to provide their products and services. 3. Disclosing for a business purpose and selling/sharing personal information In the prior 12 months, we may have disclosed (business purpose) or sold/shared (commercial purpose) your personal information to different third parties, as detailed in the chart below. Please note that TransUnion may share your personal information for a targeted advertising purpose. In accordance with applicable laws and their defined terms – NOTICE: We may sell your sensitive personal data. The entity maintaining this website and notice is a data broker under Texas law. To conduct business in Texas, a data broker must register with the Texas Secretary of State (Texas SOS). Information about data broker registrants is available on the Texas SOS website. Category of Personal Information Sold or shared, by category of third parties Disclosed for a business purpose, by category of third parties Identifiers and personal information categories listed in the California Customer Records statute Advertising networks Banks/Credit Unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/Credit Unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (Fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion companies Utility providers Characteristics of protected classifications under state or federal law Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers Commercial information Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers Biometric information We do not sell/share this category of information Biometric analytics providers Government agencies Internet or other similar electronic network activity Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Biometric analytics providers Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers Geolocation data Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers Sensory data We do not sell/share this category of information. We do not disclose this category of information for a business purpose. Professional or employment-related information Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers Non-public education information (per the Family Educational Rights and Privacy Act) We do not sell/share this category of information. We do not disclose for a business purpose this category of information. Inferences drawn from other Personal Information Advertising networks Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/partners Internet service providers Marketing companies Operating systems and platforms Retail merchants Social networks Survey providers TransUnion Companies Utility providers Banks/credit unions Collection agencies Consumer data resellers Data analytics providers Data brokers, which include data aggregators, data compilers, and data compilers/originators Financial technology (fintech) companies Government agencies Identity verification companies Insurance carriers/agencies/ partners Internet service providers Marketing companies Operating systems and platforms Parties to litigation Retail merchants Service providers Social networks Survey providers TransUnion Companies Utility providers 4. Privacy rights and choices When we act as a data controller, you may have certain privacy rights under applicable US state privacy laws. These may include the right to access, correct, or delete your personal information. You may also have the right to appeal if we deny your request. To exercise your US state privacy rights (subject to applicable legal limits and exceptions), visit our US State Privacy Rights page to submit a request. We may request your name, address, email, phone number, date of birth, and either your full Social Security number or the last four digits to locate your records. For certain requests, we require you to answer some security questions to verify your identity. If we provide your information electronically, we will do so in a portable format. When technically possible, we will provide it in a format that is easy to use and transfer to another entity. To make an opt-out request or to limit our use of your sensitive personal information (subject to limitations and exceptions under applicable law), visit Submit an Opt-Out / Limitation Request. Because we may “sell” or “share” personal information or engage in “profiling,” “targeted advertising,” “cross-context behavioral advertising,” or use sensitive personal information, consistent with the defined terms in applicable state laws, you may also exercise your opt-out rights from such sales/sharing, profiling/automated decision making, targeted advertising, or cross-context behavioral advertising, and limit our use of your sensitive personal information. To exercise your right to opt out of the sale or sharing of your personal information through trackers or cookies on our websites, please visit the Cookies Settings page, also located in the footer of our website. In some instances, TransUnion offers its services to customers as a service provider/data processor or subject to other exceptions under the applicable state privacy laws. Where TransUnion is acting as a service provider/data processor, we are processing data on behalf of others who will provide you with applicable privacy rights. The US State Privacy Rights and Submit an Opt-Out / Limitation Request rights pages apply to the services covered in the notices for Transunion LLC, TUI, TURSS, TRADS, and Marketing Solutions. If you use a consumer right using these links, you do not need to make consumer rights again for the other related services. Explanation of Privacy Rights and Choices In the US, residents of California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia have some or all of the below privacy rights. We may offer these rights to other jurisdictions where required by law or at our discretion. Right to Access/Know. You may have the right to request a privacy report detailing the personal information collected, disclosed, sold, and shared about you and the purpose for doing so, unless such request proves impossible or would involve disproportionate effort. Right to Correct. You may have the right to request that we correct inaccurate personal information that we collect or maintain about you, subject to verification. Right to Delete. If we collected or maintain personal information about you, you may have the right to request the deletion of this personal information, unless an exception applies under applicable law. Right to Opt Out of the Sale/Sharing. You may have the right to opt out of the sale/sharing of your personal information to third parties. Right to Opt Out of Profiling/Automated Decision Making, Targeted Advertising, or Cross-Context Behavioral Advertising. You may have the right to opt out of our use of your personal information for purposes of profiling, automated decision making, targeted advertising, or cross-context behavioral advertising. Right to Limit the Use of Sensitive Personal Information. You may have the right to limit how we use your sensitive personal information. Depending on the applicable law, sensitive personal information may include: Social Security number, driver’s license number, biometric information, precise geolocation data, and racial and ethnic origin. Right to Request Specific List of Third Parties. You may have the right to request a list of the specific third parties with whom we have disclosed personal information. Right to Appeal. If you believe we have denied any of your US state privacy rights in error, you may have the right to appeal by replying to our denial message or any communication from us. These rights are subject to limitations and exceptions under applicable privacy laws. They may vary by region, and the functionality and features available on our websites are subject to change. We do not discriminate against you based on your exercise of your privacy rights. Analytics Disclosure: We use Google Analytics 360, including Google Tag Manager and Google Ads. If you would like to learn more about Google Analytics, or opt out of this data collection and sharing activity, please use this link: https://www.google.com/policies/privacy/partners/. Please visit our Cookies and Similar Technologies Notice for information regarding our tracking technologies. 5. Privacy requests via authorized agent A. Opt-Out Requests and Requests to Limit Use of Sensitive Personal Information For an authorized agent (with or without power of attorney) to submit an opt-out request or a request to limit the use of a consumer’s sensitive personal information on behalf of a consumer, the authorized agent is required to provide written authorization signed by the consumer, clearly permitting the agent to act on their behalf. The agent’s name must match the name listed in the authorization. The authorized agent must also have sufficient consumer identification details to submit the request on their behalf, including: first and last name (middle name optional) and residential address (including unit number, city, state, and ZIP code). It’s strongly recommended but optional for the authorized agent to additionally have the consumer’s Social Security number and date of birth to provide in their submission to assist in finding relevant records. B. Verifiable Requests (Access, Correction, Deletion) For an authorized agent to submit a verifiable privacy request with a valid power of attorney, the agent must provide: A valid power of attorney executed in accordance with applicable law Sufficient information to allow us to locate the consumer’s file For an authorized agent to submit a verifiable privacy request without a power of attorney, the authorized agent must provide each of the following: Signed Authorization. Signed permission from the consumer authorizing the agent to submit the request. The agent’s name must match the name on the authorization. The authorization must describe the type(s) of request (e.g., access, correction, deletion) Identity Verification. Sufficient proof of identification for us to verify the consumer’s identity, such as, Social Security number or a copy of a Social Security card, a certified or official copy of a birth certificate, or a valid driver’s license or other government-issued identification. The identification provided must match the name in the authorization. Consumer Information. The submission must include sufficient information for us to locate the consumer’s file. The authorized agent may review the types of information we require by looking at information requested on the US State Privacy Rights page. C. Submission Instructions Documentation may be sent to: TransUnion Data Privacy Attn: Authorized Agent Request Processing PO Box 130 Woodlyn, PA 19094 You can also email the information to privacy+authorizedagent@transunion.com To enhance data security, the authorized agent may use confidentiality features offered by their email provider. All personal information collected as part of this process will be deleted after verification is complete. 6. Rights under the Fair Credit Reporting Act (FCRA) This Notice does not apply to credit reports or other personal information that we may maintain and use as a consumer reporting agency subject to the Fair Credit Reporting Act (FCRA). For information regarding your rights under the FCRA, please visit the Summary of FCRA Rights. 7. Personal information of children Our services are not intended for use by nor directed to individuals under the age of eighteen (18). If we learn that we have collected or received personal information from individuals under the age of eighteen (18), we will delete the personal information or otherwise comply with applicable law. We do not knowingly sell personal information of children under the age of eighteen (18). 8. Securing personal information We maintain a comprehensive information security program with administrative (policies, standards, and processes), physical, and technical controls designed to protect the confidentiality, integrity, and accessibility of personal information. 9. Retaining personal information We retain personal information for as long as necessary to fulfill the purposes for which it was collected or processed, as previously described in this Notice, and consistent with applicable laws. For instance, we retain personal information, collected through our services and websites, for as long as a user’s account is active or as needed to provide services to our customers. When determining retention periods, we consider our relationship with users and their information, the nature and sensitivity of the information, and what is reasonably necessary and proportionate to provide and improve our services. We also adjust retention periods to comply with our legal, reporting, or accounting obligations, to resolve disputes, and to enforce our agreements. We regularly review our retention periods and assess our data minimization practices, retaining the least amount of information for the shortest retention period, while still upholding all our obligations. 10. Corporate reorganization In the event that we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our business, we may share your personal information. We may also share your personal information if we undergo bankruptcy or liquidation, in the course of such proceedings. 11. Links to other sites or services This Notice does not apply to other third-party sites or services. If you click on a link or browse to a third-party site from our site/service, your activity and interaction is subject to that third-party's rules and policies. We recommend reviewing the privacy statements on those other sites to understand their privacy practices and make an informed decision regarding your use or interaction with their site/service. 12. Contact information If you have questions or concerns regarding this Notice, our privacy practices and the protection of your personal information, or the privacy rights and choices available to you, you may contact us in the following ways: Email privacy@transunion.com Phone 1-866-310-8783 Postal Mail TransUnion Data Privacy P.O. Box 130 Woodlyn, PA 19094 13. Notice changes and effective date This Notice is subject to change at any time. If we make any changes to this Notice, we will post the revised Notice on this page with its effective date. If we change this Notice in a material way, we will provide appropriate notice as required by law. Such notice may be provided, for example, via a temporary banner on our Site, an email sent to users for whom we have an email address, or by temporarily noting “UPDATED” next to the Privacy Policy link on the footer of our Site. Information for Good®. 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