Equifax · Equifax Terms of Use · View original document ↗

Authorization to Obtain Credit and Personal Information

High severity High confidence Explicitdocumentlanguage Common · 299 of 352 platforms
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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The authorization is broad, covering ongoing monitoring and compilation of multiple categories of sensitive personal and financial data from consumer reporting agencies and other sources.

Consumer impact (what this means for users)

The reader is required to grant Equifax ongoing permission to collect, monitor, and compile their credit and personal information as a condition of use.

How other platforms handle this

Baseten Medium

Category A: Identifiers. Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number... Collected: Yes.

ZipRecruiter Medium

authorize ZipRecruiter to connect your account to the account of a "Connected Site" (e.g., Google, LinkedIn, Monster, Facebook or Twitter), we may be able to access information you have provided to the Connected Site...

Instacart Medium

if you place a restaurant order, our restaurant partner will collect and process your credit card or other payment information in order to fulfill the order.

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▸ View Original Clause Language DOCUMENT RECORD
"
You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit information from one or more consumer reporting agencies; (ii) "non-public personal information"... and (iii) other personal information.

— Excerpt from Equifax's Equifax Terms of Use

Applicable regulations

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

Provision details

Document information
Document
Equifax Terms of Use
Entity
Equifax
Document last updated
May 5, 2026
Tracking information
First tracked
May 7, 2026
Last verified
July 9, 2026
Record ID
CA-P-053541
Document ID
CA-D-00590
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
7cbc0fe5af19e7689d7e72da5e90cafcc27f4f1c89318f4b3ff9c5e9c2dcbe2c
Analysis generated
May 7, 2026 14:27 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Equifax
Document: Equifax Terms of Use
Record ID: CA-P-053541
Captured: 2026-05-07 14:27:31 UTC
SHA-256: 7cbc0fe5af19e768…
URL: https://conductatlas.com/platform/equifax/equifax-terms-of-use/provision/CA-P-053541/authorization-to-obtain-credit-and-personal-information/
Accessed: July 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Equifax's Authorization to Obtain Credit and Personal Information clause do?

The authorization is broad, covering ongoing monitoring and compilation of multiple categories of sensitive personal and financial data from consumer reporting agencies and other sources.

How does this clause affect you?

The reader is required to grant Equifax ongoing permission to collect, monitor, and compile their credit and personal information as a condition of use.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 299 platforms. See the full comparison.

Is ConductAtlas affiliated with Equifax?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Equifax.