Last updated: September 28, 2026
1. Scope
This Privacy Policy explains how International Credit Reports, LLC, a Texas limited liability company (“we”, “us”, or “our”) collects, uses, shares, and retains personal information when you browse our website, create or use an account, communicate with us, or order a business credit report. It also explains how we handle personal information about directors, officers, shareholders, owners, and other individuals that appears in a business credit report. That information is subject to this Privacy Policy.
2. Information we collect
- Account and business information: your name, work email, telephone number, company name, role or authority, billing address, and account credentials.
- Order information: the business you ask us to research, the identifiers and instructions you provide, order history, and delivered reports.
- Payment information: billing status, payment-method identifiers, receipts, and transaction information. Our payment provider processes full card or bank details.
- Verification information: information reasonably requested to confirm identity, business authority, billing details, or account legitimacy.
- Communications and technical information: support messages, emails, essential cookie data, device and browser information, IP address, and security or activity logs.
- Subject-company and related-individual information: business registration details and, where included in a report, names, roles, ownership interests, and other identifiers of directors, officers, shareholders, beneficial owners, or sole proprietors obtained from you, from public sources, or from local credit reporting agencies.
3. Information about companies and related individuals
A report is about a business. It may still contain personal information about people connected to that business. That information is commercial business information used to identify the company and support a business credit, supplier, counterparty, compliance, or due-diligence review. It is not a consumer report and is not used to determine an individual's eligibility for personal credit, employment, insurance, housing, or another consumer purpose.
We collect this information because a customer ordered a report, because it appears in local registry or credit-agency sources, or because it is needed to distinguish the correct legal entity. We use, share, retain, and secure it under this Privacy Policy. A person named in a report may use the rights section below to ask questions or make a request. Lawful exceptions may apply, including where disclosure would reveal a confidential commercial inquiry or confidential source material.
4. How and why we use information
- Create, authenticate, administer, and secure accounts.
- Process, investigate, fulfill, invoice, and support report orders.
- Verify identity, business authority, billing information, and the accuracy of account details.
- Detect, investigate, and prevent fraud, impersonation, unauthorized activity, misuse, and security incidents.
- Communicate about accounts, orders, policy changes, and support requests.
- Maintain and improve the Service and comply with legal, tax, accounting, dispute-resolution, and enforcement obligations.
- Compile and deliver business credit reports that may include personal information about people connected to the subject company.
Depending on the applicable law and the activity, we process this information to perform our contract with you, pursue legitimate interests in operating and protecting the Service, comply with legal obligations, or on the basis of consent where consent is required.
5. Identity and account verification
If account or order information is incomplete, inconsistent, or presents a reasonable security or fraud concern, we may ask for additional verification. Depending on the circumstances, this could include confirmation through an existing email address or telephone number, evidence of your connection to the named business, corporate records, or limited identity documentation.
We will explain what is needed and request only information reasonably necessary for the check. Where practical, you may redact information that is not required. Verification material will be restricted to personnel and providers who need it and deleted or de-identified when the verification purpose ends, unless it must be retained for a legal obligation, fraud record, security incident, or dispute. Identity images and similar verification documents are ordinarily deleted or de-identified within ninety (90) days after the check is completed, unless a longer period is required for one of those reasons.
6. Payment processing
Stripe processes payments and saved payment methods. We do not store full card numbers or bank-account credentials on our servers. Stripe handles payment information under its own privacy terms, while we retain the transaction and payment status information needed to administer orders, refunds, invoices, and accounts.
7. How we share information
We may share relevant information with:
- in-country credit reporting agencies and research partners that help fulfill an order;
- payment, hosting, database, email, security, verification, and professional-service providers acting for us;
- an organization whose account you join, according to your role and its account permissions;
- government authorities, courts, advisers, or other parties where reasonably necessary to comply with law, enforce our agreements, investigate misuse, or protect rights and safety; and
- a buyer, successor, or adviser in connection with a proposed or completed business transaction, subject to appropriate safeguards.
We do not sell personal information. We limit information sent to reporting partners to what is relevant to identifying the subject company and fulfilling the order. It is our policy not to identify the inquiring customer to the subject company unless the customer has given permission or disclosure is required by law or by a source that cannot complete the work without a limited disclosure.
8. International processing
Because the Service researches businesses internationally and uses service providers in different locations, information may be processed outside your country. Where required, we use contractual or other appropriate safeguards for international transfers. We limit information sent to reporting partners to what is relevant to the order.
Customer account information may be processed in the United States. Subject-company information may also be processed in the country where the business is registered.
9. Data retention
We retain personal information only for as long as reasonably necessary for the purposes described above, including providing the Service, maintaining transaction and audit records, preventing repeated misuse, meeting legal and accounting requirements, and resolving disputes. Retention periods vary by record type. When information is no longer required, we delete or de-identify it in accordance with our retention practices.
As a general guide: account information is kept while the account remains open and for a commercially reasonable period afterward; order, invoice, and report-delivery records are typically kept for seven (7) years for tax and accounting purposes; security logs are typically kept for up to twelve (12) months; and verification documents follow the period in the verification section. A delivered report remains available to the ordering customer in the account for as long as the account and our retention practices allow.
10. Security
We use technical and organizational safeguards designed to protect personal information, including encrypted transmission and access controls. No system is completely secure, so we cannot guarantee absolute security. You are responsible for keeping your credentials confidential and notifying us if you suspect unauthorized account use.
11. Your choices and rights
Depending on where you live, you may have rights to access, correct, delete, restrict, or object to certain processing of your personal information, request a portable copy, or complain to a data-protection authority. You may update ordinary account details in your account or use our contact page to make a request. We may need to verify your identity before completing it, and lawful exceptions may apply.
These rights are also available, where the law provides them, to an individual named in a report. We may decline or limit a request when the law allows, including where the request would interfere with a confidential commercial inquiry, reveal licensed source material we are not permitted to disclose, or require deletion of a transaction record we must keep.
12. Cookies
We use essential cookies and similar storage needed to maintain sessions, authenticate users, preserve security, and operate the Service. We do not use third-party advertising cookies.
13. Children
The Service is for business users. It is not directed to children, and we do not knowingly collect personal information from children under 16.
14. Changes and contact
We may update this Policy as our practices or legal obligations change. We will post the current version and date here and provide additional notice for material changes where required.
Questions or privacy requests may be sent through our contact page. The controller of personal information described in this Policy is International Credit Reports, LLC.