Business Report Purchaser Agreement

1. Who may purchase a report

HOD Personal Reports and HOD Business Reports are sold only to verified businesses. A business must complete business verification (KYB), including FEIN verification, before any report may be purchased. Individuals may not purchase or run a report on another person or business. Every person and business retains free access to their own file at all times.

1A. 30-day access window

Each purchased HOD Personal Report or Business HOD Report is available to the purchasing business for up to 30 calendar days from the date of purchase. When that window ends, access ends automatically and the report must be repurchased, with a new permissible purpose certification, to be viewed again. Access windows cannot be extended, paused, transferred, or refunded.

2. Permissible purpose certification under FCRA Section 604

Before purchasing any report, the purchasing business must certify, for that specific report, a permissible purpose recognized under Section 604 of the Fair Credit Reporting Act, 15 U.S.C. § 1681b. Permissible purposes include, among others, a firm offer of credit or a credit transaction involving the subject, employment purposes, underwriting of insurance, licensing or benefit eligibility that requires consideration of financial responsibility, a legitimate business need in connection with a transaction the subject initiated, or a court order or federal grand jury subpoena. A report may not be purchased for any purpose outside this list, and Hub or Dub declines any request that does not include a valid certification.

3. User certifications under FCRA Section 607

As a condition of purchasing any report, the purchasing business certifies, under Section 607 of the Fair Credit Reporting Act, 15 U.S.C. § 1681e, that:

• The report will be used only for the specific permissible purpose certified at the time of purchase, and for no other purpose;
• The certification is accurate, was made by an authorized representative of the business, and is recorded with that representative's account, IP address, timestamp, and user agent;
• The report will not be resold, redisclosed, or furnished to any third party except as expressly permitted by law;
• Access to the report is limited to authorized, authenticated personnel with a need to know, and credentials are never shared;
• The report will be disposed of securely once it is no longer needed for the certified purpose.

Hub or Dub may verify certifications, request supporting documentation, audit usage, decline any request, and suspend or terminate a business's access for a false certification or suspected misuse.

4. Employment purposes require disclosure and written consent

If a report is obtained for employment purposes, including hiring, promotion, reassignment, or retention, Section 604(b) of the Fair Credit Reporting Act requires that, before procuring the report, the purchasing business:

• Provide the subject a clear and conspicuous written disclosure, in a document consisting solely of that disclosure, that a consumer report may be obtained for employment purposes; and
• Obtain the subject's written authorization before procuring the report.

Additional state and local requirements, including fair-chance and salary-history laws, may apply to employment use and remain the purchasing business's responsibility.

5. Adverse action notice duties under FCRA Section 615

Before taking any adverse action based in whole or in part on a report, the purchasing business must provide the subject a pre-adverse-action notice that includes a copy of the report and a copy of the required summary of rights. After taking the adverse action, the purchasing business must provide the subject a notice that includes Hub or Dub's name, address, and contact information, a statement that Hub or Dub did not make the adverse decision and cannot explain the specific reasons for it, and notice of the subject's right to a free file disclosure and to dispute the accuracy or completeness of the report, consistent with Section 615 of the Fair Credit Reporting Act, 15 U.S.C. § 1681m.

6. No resale

A report, and any information contained in it, may not be resold, redistributed, sublicensed, syndicated, or re-furnished to any third party. Each report may be used only by the purchasing business, only for the certified purpose, and only for the decision for which it was purchased.

7. Recordkeeping

The purchasing business must retain records of its permissible purpose certification, any required disclosures and authorizations, and any adverse action notices for the period required by applicable law, and must produce those records to Hub or Dub promptly on request.

8. Audit rights

Hub or Dub may audit a business's certifications, use, and recordkeeping at any time, on reasonable notice, to confirm compliance with this agreement and the Fair Credit Reporting Act. A business must cooperate with any audit and provide requested documentation within a reasonable time. Hub or Dub may suspend or terminate a business's ability to purchase reports for failure to cooperate with an audit or for any confirmed violation of this agreement.

9. Pricing

An HOD Personal Report is $39.99 per report. An HOD Business Report is $99.99 per report. Each report is purchased individually, one at a time. There is no subscription, membership, recurring charge, credit, or add-on associated with purchasing a report. Current rates are always published on the pricing page.

10. Charges are final

Report purchases are final, non-refundable, and non-transferable once completed, except where a mandatory consumer-protection law expressly and non-waivably requires otherwise. See the Billing Policy.

11. Permissible purpose standard applies without exception

Reports on another person or business are furnished only to verified businesses with a documented FCRA permissible purpose. Every purchase of an HOD Personal Report or HOD Business Report requires a specific, recorded certification of purpose tied to the requesting business account, with IP address, timestamp, and user agent retained in the audit trail. Hub or Dub may audit certifications, decline requests, and suspend or terminate access for misuse. Requests without a permissible purpose are refused, and no purchase can buy an exemption from this requirement.

No purchase, price, volume, or negotiated term sold by Hub or Dub reduces, waives, delays, or circumvents any right afforded to the people and businesses Hub or Dub covers, or any applicable federal or territorial law. Every subject keeps the same rights to free file disclosure, dispute, reinvestigation, correction, deletion of unverifiable information, notice of adverse action, and a record of who accessed their file, regardless of how many reports the requesting business has purchased.

12. Accuracy and dispute obligations

Hub or Dub follows reasonable procedures to assure maximum possible accuracy of the information in every HOD Report. Nothing enters an HOD Score or HOD Report until our Investigation Team verifies it against source evidence. When a subject disputes an item, we reinvestigate free of charge, generally within 30 days (45 days where the subject submits additional information during the period), record the results, correct or delete anything that cannot be verified, and notify the subject in writing. Items deleted or corrected are not reinserted unless the furnisher recertifies accuracy and we notify the subject.

The purchasing business must promptly notify Hub or Dub of any information it believes to be inaccurate, must not use information it knows or reasonably believes to be inaccurate, and must cooperate with any reinvestigation.

13. Subject availability requirement

A report may be purchased only on a person or business with an established HOD Score file tied to a verified SSN, ITIN, or FEIN. If no file exists, the purchase is not accepted, and the purchasing business is prompted to invite the person or business to activate their HOD Score through a free Hub or Dub account.

14. Where this agreement sits among Hub or Dub's offerings

Who may hold each type of access, what access level applies, whether a permissible purpose is required, and how each is priced:

15. Suspension and termination

Hub or Dub may suspend or terminate a business's ability to purchase reports for a false or missing certification, unlawful or discriminatory use, resale, non-payment, or any other breach of this agreement. Termination does not affect any consumer's rights in their own file, which continue in full.

16. Subject rights preserved

This agreement never reduces the rights of any report subject. Every person and business retains free access to their own file, disclosure, dispute, and correction rights under applicable state and federal law, and disputes are reinvestigated within the timeframes required by law.

17. Availability

Reports are sold in the United States and U.S. territories only, and this agreement is governed by applicable federal and territorial law.