Terms & Conditions of Use
In order to maintain your online activity at Names and Facts, it is mandatory to completely go through,
comprehend and accept the points mentioned in these terms and conditions. By continuing to access Names
and Facts, and all other software mobile applications made available by this service, you agree to stay
within these rules and follow them.
By deciding to use our service, you are agreeing to stay within this agreement, which constitutes a
legally binding agreement between Names and Facts and the way you use this service. You are recommended
to get this documented printed and saved on your computer for future reference. In case you fail to
understand any point in this agreement, or are not willing to be legally bound by it, or what is
By maintaining your use of this service you warrant that you have understood and read all parts of the
Facts, which has been incorporated within this agreement for further reference. Names and Facts
encourages and wishes for you to continuously keep checking the Policy for future updates over the whole
period of time that you use the service.
By continuing to use this server after agreeing with the terms of this agreement you warrant that you
are aged above 18 as of now, and are legally able and qualified to enter into formal qualifications
governed by the law of the land. If you are willing to use this service on behalf of a contractual
organization, you also agree that you have been given permission by that company to go into agreements
with services like ours.
Prohibited Uses for the Services
Names and Facts is bound by law to get your consent on all of the following provisions in detail.
This is required in order to provide the services in a legally accurate manner and to comply with the
demands and requirements of all providers. In the event of a conflict between provisions in this section
and those later down the agreement, the provisions in this section will govern and prevail.
You do agree that the products and services offered by Names and Facts contain information is
sensitive and is governed by numerous federal and state laws. You also understand that you are to
act as responsible for the determination of the laws that apply upon your use of such content. You
agree that you’re the sole entity responsible for adhering to all applicable laws in all scenarios.
By submitting the request or signing this agreement with an electronic or digital signature, you
agree to have; a) go through the complete agreement thoroughly; b) comprehended the details
mentioned in this agreement to their entirety; c) fully and honestly answered all the questions
asked of Names and Facts; and (d) agreed to be legally and fully bound by what is entailed in this
- Any possible unauthorized use of the Names and Facts app, website and the content on it are not
acceptable and the company highly discourages such practices.
- Commercial misuse and exploitation of any content either generated from the company’s website or app
is highly prohibited.
- You agree that Names and Facts is not by any definition a consumer reporting agency and that the
products and services provided by Names and Facts cannot be recognized as a consumer report, as it
is defined by the FRCA. The products and services by Names and Facts are not allowed to be used for
determining or rejecting the eligibility of an individual for employment, insurance, credit or any
other purpose that is currently governed by the FRCA, including but not limited to:
- Credit cards and loans
- For employment purposes
- Education, fellowships, and scholarships
- For housing accommodations, including tenants and rent purposes
- Services, privileges, and benefits provided by a charity organization
- To pursue and harass on random people across the Web
- To perpetrate theft.
- To perpetuate identity fraud.
In addition to the above, you have to keep in mind that a background report is in no way a
for remaining diligent and following common sense, especially when it comes to having
or talking to third-party people in person.
Furthermore, the services for Names and Facts services and products can in no case be used for
- To mentally or physically attack or harass any person or entity. This emotional and physical
harm can be done by perpetrators through stalking, defaming, harassment, labeling, providing
obscene and inappropriate material, threatening, identity theft, fraud, criminal activity
and a violation of all privacy rights.
To promote hate speech and provide information about illegal wrongdoing, harm or physical
injury against a specific individual or group.
To utilize Names and Facts products and services or the information extracted from these
products and services together with any personal info covered within federal statutes such
as FCRA, Health Insurance Portability, and Accountability Act, Gramm-Leach-Bliley Act, The
Children’s Online Privacy Protection Act, and the Driver’s Protection Act.
To obsess over personal information about, or try to harm individuals aged less than 18
To get precious personal information pertaining to government officials, election
candidates, and famous people.
You cannot use the services in connection with credit counseling services or credit report
For commercial credit origination or for marketing purposes.
- To use of re-exporting content that is in violation of the laws for export control and
regulation within the user’s domestic country.
This agreement and the license given to you cannot be transferred, assigned or sublicensed to
someone else. Neither as a whole nor as a part
Names and Facts services and products can only be accessed by people residing within the United
Sharing your username and the selected password with anyone near you is discouraged. The products
and services by Names and Facts are intended to be used only by you and you alone. Thus, they must
not be delivered to or provided to other third parties near you.
You agree and understand that you wouldn’t access, extract any data from or perform any activities
on the mobile apps and websites provided by Names and Facts. All software or any other automated
processes including robots, scrapers, scripts, spiders, and crawlers should best be refrained from.
Names and Facts and the stakeholders that it is working with do not guarantee the accuracy,
timeliness, completeness, merchantability, currency or fitness of the website and/or mobile app
under Names and Facts for a specific purpose. Names and Facts and the third party stakeholders it is
working with, would in no way be responsible for any claim related to Names and Facts compiling,
interpreting, procuring, collecting, communicating, delivering or reporting of products and services
related to Names and Facts.
You hereby agree and accept that the information provided on Names and Facts website and/or mobile
apps may be not free from general defects. Hence, you agree that the products and services by Names
and Facts should not be relied upon as always complete and accurate.
Names and Facts reserves the right to audit and look over the use of all products and services
related to them at any given. You agree to provide all documentation to Names and Facts in such a
case and agree to cooperate in whatever way is expected of you.
If you have any liability Names and Facts and all third party stakeholders, then it is restricted to
the direct damages caused. Names and Facts and the third party information providers will not be
liable for any damages caused in the form of expenses or physical damage whatsoever.
Third-party stakeholders associated with Names and Facts can enjoy the same right to indemnification
as Names and Facts.
The provisions within this agreement, related to the quality of content, indemnifications and the
limitations on liability and all for the benefit of Names and Facts and the parties that are
indemnified. Names and Facts and the indemnified party can enforce and assert those provisions
against the user on their own respective behalf.
The terms within this agreement, relating to access and use of services and products provided by
Names and Facts, disclaimer of warranties, limitation of liability, audit, user’s release of claims,
payment for services and products offered by Names and Facts, and indemnification will survive after
the termination of this agreement.
You permit that any breach within the agreement, from your side, with Names and Facts, can cause all
indemnified parties and Names and Facts irreparable damage. And, in addition to the monetary
compensation to fulfill these damages, all indemnified parties and Names and Facts would be entitled
You cannot, and should not use the products and services of Names and Facts for anything other than
what is entailed in this agreement. Any misuse of the services will be basis enough for immediate
suspension of your services and the termination of your account and membership, along with legal
action if deemed necessary.
You hereby acknowledge all the details in this agreement and take responsibility for the information
supplied and are here to correct all personal information if it is incorrect.