2 Documents
23 All provisions 9 High severity 12 Medium severity 2 Low severity
2 Changes · 12 mo
Jun 10, 2026 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
Privacy Rights
18 provisions · 7 high · 10 med
Data Collection
3 provisions · 1 high · 2 med
Liability Limitation
3 provisions · 1 high · 2 med
Platform Discretion
2 provisions · 1 med
Data Sharing
2 provisions · 2 high
Arbitration
2 provisions · 2 high
Account Control
1 provision · 1 med
Legal Jurisdiction
1 provision · 1 med
Intellectual Property
1 provision · 1 med
Age Restriction
1 provision
Quick Facts
Arbitration: Mandatory
Class Action: Waived
Key Governance Provisions
High Data Sharing with Affiliates, Service Providers, and Third Parties

This provision establishes that personal information including financial and credit data may be shared with marketing partners for independent marketing use, not solely for Equifax's own service deli…

High FCRA Carve-Out Limiting State Privacy Rights

This provision establishes a material limitation on state privacy rights: because Equifax's core business involves FCRA-governed consumer report data, a substantial portion of the personal informatio…

High Sale and Sharing of Personal Data for Behavioral Advertising

This provision establishes that Equifax engages in data sharing practices that qualify as a sale or share under CPRA and potentially other state privacy statutes, triggering opt-out rights for reside…

High Collection of Sensitive Personal Information Including SSNs and Financial Data

This provision establishes that Equifax collects among the most sensitive categories of personal data recognized under U.S. and international privacy law, including government-issued identifiers and …

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: Jun 10, 2026 Changes (12 months): 2 Documents monitored: 2 Provisions tracked: 23
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Documents

Equifax Privacy Policy

High

This is Equifax's privacy policy, covering how the company collects, uses, and shares personal information including credit history, Social Security numbers, financial records, device identifiers, and browsing behavior across its …

Last updated May 5, 2026 · Privacy policy
9 provisions 3 versions captured Version history →

Equifax Terms of Use

High

This document establishes the terms governing use of Equifax's website and consumer credit services, including credit monitoring subscriptions and free credit report access. The agreement includes a mandatory arbitration clause …

Last updated May 5, 2026 · Terms of service
6 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

Medium Severity Provisions (3)

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 2 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Equifax?

ConductAtlas has classified 23 provisions across Equifax's tracked documents. 9 are rated high severity, 12 medium, and 2 low.

Can I get alerts when Equifax changes their policies?

Yes. Monitor subscribers ($19/month) can add Equifax to their watchlist and receive same-day email alerts whenever any tracked document changes.