Equifax states its websites and apps are not directed at children under 13 and that it does not knowingly collect personal information from this age group.
This analysis describes what Equifax's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
COPPA requires verifiable parental consent before collecting personal information from children under 13. However, given that Equifax holds credit and financial data about minors in certain contexts (such as authorized user accounts or identity theft protection services for families), the interaction between this disclaimer and actual data practices warrants attention.
Interpretive note: The general disclaimer does not address Equifax product lines that may involve minors' credit or identity data, creating uncertainty about the completeness of COPPA compliance disclosures in this policy.
Parents should be aware that while Equifax's consumer products are not directed at children, Equifax may hold credit-related data about minors through credit file creation for minors or family-oriented identity protection services, which may be governed by separate product-specific terms rather than this general policy.
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If you choose to reveal any personal information about yourself to other users, you do so at your own risk. We strongly encourage you to use caution in disclosing any personal information online.
When you are asked to provide information, you may decline to do so; but if you choose not to provide information that is necessary to provide some of our Services, you may not be able to use those Services.
to object to profiling activities based on our own legitimate interests
"Our websites and apps are not intended for individuals under the age of 13, and we do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected personal information from a child under 13, please contact us.Excerpt from Equifax's Privacy Policy
REGULATORY LANDSCAPE: COPPA, enforced by the FTC, requires verifiable parental consent before collecting personal information from children under 13.
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COPPA requires verifiable parental consent before collecting personal information from children under 13. However, given that Equifax holds credit and financial data about minors in certain contexts (such as authorized user accounts or identity theft protection services for families), the interaction between this disclaimer and actual data practices warrants attention.
Parents should be aware that while Equifax's consumer products are not directed at children, Equifax may hold credit-related data about minors through credit file creation for minors or family-oriented identity protection services, which may be governed by separate product-specific terms rather than this general policy.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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