2 Documents
14 All provisions 5 High severity 7 Medium severity 2 Low severity
0 Changes · 12 mo
Last change

High — provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium — provisions worth knowing about but with partial protections or limited scope. Low — standard terms with minimal consumer impact.

Governance Coverage
Data Collection
4 provisions · 2 high · 2 med
Privacy Rights
3 provisions · 2 med
Liability Limitation
3 provisions · 1 high · 2 med
Arbitration
2 provisions · 2 high
Data Sharing
2 provisions · 2 high
Account Control
1 provision · 1 med
Data Retention
1 provision · 1 med
Legal Jurisdiction
1 provision · 1 med
Intellectual Property
1 provision · 1 med
Platform Discretion
1 provision · 1 med
Quick Facts
Arbitration: Mandatory
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Sensitive Personal Information Categories

These are the most sensitive categories of personal data and their collection by any entity, particularly a data broker that has experienced significant data breaches historically, creates meaningful…

High Third-Party Data Sharing With Affiliates and Business Partners

Equifax is a large corporate entity with numerous affiliates, meaning data you share with one Equifax product or service may be accessible to other Equifax entities. Sharing with external business pa…

High Inference and Profiling From Personal Data

Inferenced profiles can be used in ways you may not anticipate, including marketing, risk scoring, and product targeting, and may reflect characteristics you have never directly disclosed to Equifax.

High Biometric Data Collection

Biometric data is among the most sensitive personal information because it cannot be changed if compromised. Several states have strict laws governing how companies may collect, store, and share biom…

High Mandatory Arbitration and Class Action Waiver

This provision is particularly significant for Equifax users because the company has been subject to major data incidents affecting hundreds of millions of people; without the ability to join a class…

Document Coverage
Privacypolicy Termsofservice
Last change detected: Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 14
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Documents

Equifax Privacy Policy

High

This is Equifax's privacy policy explaining what personal data the company collects about you, how it uses that data, and your rights. The most important thing to know is that …

Last updated May 5, 2026 · Privacy policy
8 provisions 2 versions captured Version history →

Equifax Terms of Use

High

This is Equifax's Terms of Use, the legal agreement you accept when using Equifax's website and consumer credit services, covering everything from credit monitoring subscriptions to free credit report access. …

Last updated May 5, 2026 · Terms of service
6 provisions 1 version captured Version history →

Equifax has changed 0 times in the past year.

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Low Severity Provisions (2)

View all high severity provisions → Compare Equifax with other platforms →

Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Equifax documents does ConductAtlas track?

ConductAtlas tracks 2 Equifax documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Equifax made in the past year?

Equifax has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Equifax?

ConductAtlas has classified 14 provisions across Equifax's tracked documents. 5 are rated high severity, 7 medium, and 2 low.

Can I get alerts when Equifax changes their policies?

Yes. Watcher subscribers ($9.99/month) can add Equifax to their watchlist and receive same-day email alerts whenever any tracked document changes.