Privacy Statement

Lowers Risk Group (LRG) and related companies respect the privacy interests of all clients, consumers, and visitors to our web sites. We are committed to protecting any information provided to LRG. Be assured that we take extreme caution in protecting the privacy of this information. Additionally, LRG is committed to safeguarding and securing our methods of data transmission.

We understand that consumers may be concerned about what we do with personal information. We agree that consumers have a right to know how we will utilize such information. Therefore, we have adopted this Privacy Policy to govern the use and handling of personal information.

 

THE LOWERS RISK GROUP PRINCIPLES OF PRIVACY CONSUMER CONFIDENTIALITY AND SECURITY

Only information that is actually needed is collected and processed. Personal information is protected from unauthorized or accidental disclosure and is only viewed by those persons who need it to perform their job to provide the products and services authorized by you. Personal information is retained only as long as is required by law.

Our employees are comprehensively screened and trained to ensure that information is handled responsibly and in accordance with the Privacy Policy. We maintain strict physical, electronic, and procedural safeguards that comply with state and federal regulations to guard a consumer’s nonpublic and public personal information.

 

TO OUR WEB SITE VISITORS

When you visit the Lowers Risk Group web site, we collect general data to include your domain name, the name of the web page from which you entered our site, which pages you visit on our site, and how much time you spend on each page. This general information does not include specific identifying information about you. We use this information to monitor and improve our site, and we do not provide this information to outside parties.

SAFE HARBOR PROVISIONS OF PRIVACY POLICY

Lowers Risk Group and related companies hereby confirm our strong policy to protect and maintain the privacy and personal data that we assemble on behalf of employers concerning consumers. In that regard, we certify that we comply with the “SafeHarbor” principles of the United States Department of Commerce, in relation to personal data collected in the European Union (EU). We endorse and follow the seven principles and practices outlined by the European Commission’s Directive on Data Protection. This certification is in the name of Lowers Risk Group and we fulfill our obligation under the seven principals in the following manner:

1. Notice

Lowers Risk Group (LRG), a Lowers Risk Group company, collects information on individuals for the purpose of providing the information to employers for employment related decisions (hire, retain, promote, or reassign). Information may also be utilized to conduct employee investigations where an employer has a suspicion of work related misconduct or wrongdoing. Human resources and security professionals with the employer organizations will utilize the information. Prior to receiving information from LRG, each employer must provide a certification (as prescribed by the Fair Credit Reporting Act) to LRG stating that it will only use LRG for employment purposes and that it will comply with all state and federal regulations and obligations. Furthermore, before any employer’s agent or employee receives the information in order to complete his/her job, he/she must provide an individual certification to the same effect.

2. Choice (opt-out of sensitive information)

Lowers Risk Group gives consumers a choice for the collection of information by virtue of the fact that the information is only collected with the consumer’s explicit consent. Furthermore, the information collected is only utilized for the purposes described above in the section on “Notice.” In the event a consumer wishes to opt-out of any information collected by LRG, a consumer can withdrawal his/her consent by notifying LRG through the contact link on this web site or through contact information provided on the consent form. This does not mean that information will be erased or deleted. Various laws require that LRG maintain the data on file for a period of time. However, in the event of an opt-out, the data will not be forwarded or utilized by LRG for any purpose.

3. Onward Transfer

The information obtained by Lowers Risk Group is forwarded only to an entity that has been specifically authorized by the consumer to receive the data, or an agent of the end-user operating on behalf of the end-user, and only for the purpose described in the section under “Notice.” LRG takes reasonable steps to insure that any party that receives information will maintain privacy and confidentiality (see “individual certification” as also described in the section under “Notice.”) Any third party that receives information from LRG has received written authorization from the consumer, and has given the consumer prior notice as to the purpose of the collection of data. Each transfer of information to the third party includes a notification reiterating the privacy and confidential certifications made by the third party.

LRG provides access to consumers on all data collected concerning the consumer in order to allow the consumer the reasonable opportunity to ascertain what personal data LRG possesses about the consumer, and to correct, amend, or delete information that is inaccurate or incomplete. Disclosure is provided under the terms of the Fair Credit Reporting Act. Under all circumstances, a consumer is entitled to a copy of his/her report, including a consumer who is a citizen of the EU. However, LRG reserves the right to engage in reasonable efforts to confirm the identity of anyone requesting this data.

4. Access

Lowers Risk Group provides access to consumers on all data collected about the consumer in order to allow the consumer the reasonable opportunity to ascertain what personal data LRG possesses concerning the consumer, and to correct, amend, or delete information that is inaccurate or incomplete. Disclosure is provided under the terms of the Fair Credit Reporting Act. Under all circumstances, a consumer is entitled to a copy of his/her report, including a consumer who is a citizen of the EU. However, LRG reserves the right to engage in reasonable efforts to confirm the identity of anyone requesting this data.

5. Security

Lowers Risk Group follows all reasonable procedures to protect personal and identifiable information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. LRG utilizes a 128-bit encryption on a secured server for all Internet communications. Furthermore, only LRG employees who require the information to perform a specific job are granted access to personally identifiable information. Strong password protection protocols are used on all computers. All employees are kept up-to-date on our security and privacy policies. Finally, the servers that are used to store personally identifiable information are kept in a secure environment, with appropriate security measures.

6. Data Integrity

Lowers Risk Group only collects data that is strictly necessary for the purposes listed under the section on “Notice.” The data includes information that is required to identify the consumer for purposes of collecting employment related information. LRG makes every reasonable effort to assure maximum possible accuracy in the information collected. Regarding public record information that is likely to have an adverse effect on the consumer, LRG maintains strict procedures to insure the information is complete and up to date (per FCRA rules 613 (a)(1)(2). LRG cannot be responsible for errors within court records and within the records of other consumer reporting agencies, such as credit bureaus. Therefore, LRG cannot act as a guarantor of information.

7. Enforcement

Lowers Risk Group adheres to the EU Safe Harbor Policy by means of in-house verification by the management of this company. In addition, we provide a readily available and affordable independent recourse mechanism by which each individual’s complaints and disputes are investigated and resolved by reference to the principles and damages awarded where applicable law or private sector initiatives so provide. LRG is a member of BBBOnline® Online Privacy Program and Reliability Program. By participating in the Council of Better Business Bureau’s BBBOnline® Privacy Program, LRG has made a commitment to meet the program’s strict requirements regarding how we treat consumer information.

Further information about this program is available at http://www.bbbonline.org. Furthermore, LRG is governed by FCRA regulations as enforced by the U.S. Federal Trade Commission. As a Virginia State corporation and a CRA, we are also governed by the rules and regulations of the State. LRG is a member of the National Association of Professional Background Screeners and strictly adheres to its professional standards, code of conduct, ethical business practices, and its promotion of compliance with the Fair Credit Reporting Act.

Any questions regarding this Privacy Policy may be directed to:

Michael Gaul
Lowers Risk Group
125 E Hirst Road, Suite 3C
Purcellville, VA, 20132
mgaul@lowersriskgroup.com

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