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Double Helix Privacy Policy

Double Helix, Inc. operates under IRSG Principles and will follow all Federal, State, and Local policies and procedures in regards to privacy, information retrieval, and disclosure of said information. You may find more information on IRSG Principles HERE.

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The "Gramm-Leach-Bliley Act"

Overview:

The Gramm-Leach-Bliley Act requires financial institutions such as banks & savings associations, credit unions, mortgage & trust companies, insurance companies, collection agencies and others to disclose privacy policies, limit instances in which consumer information can be shared with non-affiliated third parties and provide consumers an opportunity to protect some of their personal financial information from being shared. The Federal Financial Institutions Examination Council (FFIEC) has introduced a privacy regulation implementing the Gramm-Leach-Bliley Act which imposes certain requirements on its member institutions. This product covers various technicalities of privacy regulation giving relevant and convincing examples.

Download the PDF HERE or get more info HERE
(you will need Acrobat Reader to view this document) get it HERE

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The FCRA

Fair Credit Reporting Act And Rights

This act covers credit reporting agencies (credit bureaus) and your rights as a consumer to access any information they may have about you, and to verify the accuracy of such information.

If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

Companies that gather and sell this information are called Consumer Reporting Agencies (CRAs). The most common type of CRA is the credit bureau. The information CRAs sell about you to creditors, employers, insurers, and other businesses is called a consumer report.

The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.

Here are some questions consumers commonly ask about consumer reports and CRAs -- and the answers. Note that you may have additional rights under state laws. Contact your state Attorney General or local consumer protection agency for more information.

The three major national credit bureaus are:

Equifax, P.O. Box 740241, Atlanta, GA 30374-0241; (800) 685-1111.

Experian (formerly TRW), P.O. Box 2104, Allen, TX 75013;
(888) EXPERIAN (397-3742).

Trans Union, P.O. Box 1000, Chester, PA 19022; (800) 916-8800.

In addition, anyone who takes action against and individual in response to a report supplied by a CRA -- such as denying an application for credit, insurance, or employment -- must provide the name, address, and telephone number of the CRA that provided the report.

Link to additional information HERE

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The FDCPA
Fair Debt Collection Practices Act

The FDCPA (Fair Debt Collection Practices Act) is a collection of laws enacted by Congress to help protect consumers from the illegal practices of Debt Collectors (DC) and Collection Agencies (CA).

Link to additional information in PDF format HERE or see it online HERE

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The DPPA
Drivers Privacy Protection Act

The DPPA prohibits the release or use by any State DMV (or any officer, employee, or contractor thereof) of personal information about an individual obtained by the department in connection with a motor vehicle record. It sets penalties for violations and makes violators liable on a civil action to the individual to whom the released information pertains...

Link to additional information online click HERE or see it more online HERE