SpyFly is not a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA"), and the information
in the databases has not been collected in whole or in part for the purpose of furnishing consumer reports, as defined
in the FCRA. YOU SHALL NOT USE OUR SERVICES AS A FACTOR IN (1) ESTABLISHING AN INDIVIDUAL'S
ELIGIBILITY FOR PERSONAL CREDIT OR INSURANCE OR ASSESSING RISKS ASSOCIATED WITH EXISTING
CONSUMER CREDIT OBLIGATIONS, (2) EVALUATING AN INDIVIDUAL FOR EMPLOYMENT, PROMOTION,
REASSIGNMENT OR RETENTION (INCLUDING BUT NOT LIMITED TO EMPLOYMENT OF HOUSEHOLD
WORKERS SUCH AS BABYSITTERS, CLEANING PERSONNEL, NANNIES, CONTRACTORS, AND OTHER
INDIVIDUALS), OR (3) ANY OTHER PERSONAL BUSINESS TRANSACTION WITH ANOTHER INDIVIDUAL
(INCLUDING, BUT NOT LIMITED TO, LEASING AN APARTMENT).
You are prohibited from using SpyFly to do any of the following:
Credit and Insurance
Establish someone's eligibility for credit or insurance.
Assess the risk associated with someone’s existing consumer credit obligations.
(including, but not limited to, household workers)
Evaluate an individual for employment, promotion, reassignment, or retention.
Other Personal Business Transactions (including, but not limited to, leasing an apartment).
(including but not limited to, leasing an apartment).
To access information on individuals for the purposes listed above please visit the following FCRA-compliant
Protect your computer and smartphone up-to-date security software. Be sure to have any operation systems updated as well as there are safeguards built into the updates.
Learn the signals to be able to spot spam and scams. A popular scam is receiving an email that looks like it is from your bank, with the logo and they even know your name. There will be a link in the email that you should not click on ever.
Make your passwords unique and strong. Do not use the same password for all your logins. Here is the best criteria to follow when creating a password:
Over 10 characters long.
Use an uppercase letter.
Use a lower case letter.
Make sure to use a special symbol - these can be found along the top row of a keyboard.
No personal information in the password.
Always enable 2 factor authentication when available, this has a secondary measure to notify you after a certain amount of times an incorrect password is entered.
It is a best practice to monitor your credit score weekly from Experian, Transunion, and Equifax. You can get a free credit report annually by using this website: AnnualCreditReport.com
Check your credit report for any new accounts, credit cards, loans or transactions.
If you notice any unusual activity, you can freeze your credit report by signing up for a free account at Experian.com.
Only make online purchases from reputable websites. Is there a secure, encrypted lock symbol in the URL address bar? Do they have secure symbols displayed in the check-out phase?
Be safe when using public WiFi or joining an unsecure network. This is another area that your information can be compromised by hacking, allowing the hacker to gain access to passwords, banking information and any other confidential information you may have saved on your website.
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