RAVEN ("we," "our," or "us") operates the Real-time Aggregation and Verification Engine at reportraven.tech. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
2. Information We Collect
2.1 Information Provided by Our Customers
Our customers (financial institutions, lenders, and other authorized businesses) submit consumer information to our platform for verification and enrichment purposes. This may include:
Identity information: Name, date of birth, Social Security Number, government-issued IDs
We obtain consumer information from authorized third-party data providers to verify and enrich the information submitted by our customers. These providers include credit bureaus, identity verification services, financial data aggregators, property data services, and employment verification services.
2.3 Information Collected Automatically
When you interact with our verification forms, we collect:
IP address and browser information
Form interaction timestamps
Verification attempt records
3. How We Use Your Information
We use the information we collect to:
Verify consumer identity on behalf of our authorized customers
Enrich consumer records with data from verified third-party sources
Provide lending decisioning support to financial institutions
Maintain audit trails for regulatory compliance
Detect and prevent fraud
Improve our services
4. Legal Basis for Processing
We process personal information under the following legal bases:
Consent: When you provide consent through our verification forms
Legitimate interest: To provide services to our customers for fraud prevention and lending decisions
Legal obligation: To comply with FCRA, GLBA, FERPA, and other applicable regulations
Contractual necessity: To fulfill our obligations to our business customers
5. Data Security
We implement industry-standard security measures to protect your information:
Encryption at rest: All consumer data is encrypted using AES-256-GCM with per-user data encryption keys managed through AWS KMS (envelope encryption)
Encryption in transit: All data transmitted via TLS 1.2 or higher
Access controls: Multi-tenant API key authentication ensures each customer can only access their authorized data
Audit logging: Every data access and modification is recorded with full provenance
6. Data Sharing
We share personal information only with:
The financial institution or business that initiated the verification request
Third-party data providers as necessary to complete verification (under data processing agreements)
Law enforcement or regulatory bodies when required by law
Depending on your jurisdiction, you may have the right to:
Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information
Object to or restrict processing
Data portability
Withdraw consent
To exercise these rights, contact us at privacy@reportraven.tech.
9. FCRA Compliance
To the extent that our services involve consumer reports as defined by the Fair Credit Reporting Act (FCRA), we comply with all applicable FCRA requirements, including permissible purpose limitations, adverse action notice requirements, and consumer dispute resolution procedures.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify affected parties of any material changes by posting the updated policy on this page with a revised "Last updated" date.
11. Privacy Officer and Consumer Rights Requests
RAVEN's Privacy Officer is responsible for handling consumer rights requests under §1033 and applicable state privacy laws (including CCPA/CPRA, VCDPA, CPA, CTDPA, UCPA, and TDPSA), and for responding to privacy-related inquiries.
Consumers may request access, correction, deletion, portability, or revocation of authorization by emailing privacy@reportraven.tech. RAVEN will verify the requester's identity and respond within the timeframes required by applicable law (45 days under CCPA; 45 days, extendable by 45, under VCDPA, CPA, CTDPA, UCPA, and TDPSA).
12. Contact Us
If you have questions about this Privacy Policy, contact us at: