LexisNexis Comprehensive Loss Underwriting Exchange (CLUE) and Verisk Automated-Property Loss Underwriting System (A-PLUS) allow home and auto insurers to exchange information about auto and property loss insurance claims. Insurers use loss history reports to help assess the risk associated with selling you an insurance policy.
These reports contain personal information to identify you and a record of any auto or homeowner property loss claims submitted to an insurance company for the past seven years (even if you didn't own the car or home) including the
The Gramm-Leach-Bliley Act (GLB) is a federal law that allowed financial institutions (banks/credit unions, credit card issuers, payday loan companies, mortgage brokers, insurance companies, investment companies and investment advisors) to combine more easily and gain more access to your personal information. It also provides you with some privacy rights when you're a customer of a financial institution.
The Fair Credit Reporting Act (FCRA) is a federal law that was enacted to promote the accuracy, fairness and privacy of information in credit reporting agency files. Various federal agencies enforce and write rules implementing the FCRA. States may also enforce the FCRA and enact additional laws (except to the extent that they're inconsistent with the FCRA).
MDM software allows employers to have varying degrees of control over devices (like phones and tablets) that their employees use for work purposes. For example, your employer may use it to set security measures when you access the company's network, remotely wipe your phone if you lose it, etc.
It depends on state law, whether you attend a public or private school, and possibly your school's policies.
Federal law does not prevent schools from requiring payment before providing you with an official transcript.
However, in California and some other states, schools cannot refuse to provide your transcript on the grounds that you owe a debt. (CA Education Code § 66022).
Generally, no. However, a school can disclose information from your records to your parents if
- you’re a dependent for tax purposes
- there is a health or safety emergency that involves you
- you’re under 21 and you’ve violated any law or policy regarding the use or possession of alcohol or a controlled substance
It depends on your state’s data breach notification law.
No, they don’t (unless you’ve provided written consent).
It depends. You’re allowed to request and get copies of your letters of recommendation unless you’ve signed a waiver giving away your right to access them (you can still ask for the names of the references).
If your letters are used for any reason other than as a recommendation, you can get copies of them regardless of whether you signed a waiver.
Your school can’t require that you sign a waiver in order to be accepted, receive financial aid or any other services.
No. While a school may ask for your/your child’s Social Security number during enrollment, it must let you know that it’s voluntary and you/your child will still be able to enroll and attend the school.