FCRA notice

The short version

Owlray is not a consumer reporting agency as defined by the U.S. Fair Credit Reporting Act (15 U.S.C. § 1681 and following), and an Owlray report is not a consumer report.

Owlray cannot—and you, as a user, must not—be used for any decision that the FCRA regulates.

What you may not use Owlray for

Do not use an Owlray report, in whole or in part, to evaluate a person for:

• Employment, including hiring, promotion, reassignment, or termination
• Credit or any extension of credit, including loans, financing, and credit limits
• Insurance underwriting, eligibility, or pricing
• Housing or tenant screening, including rental and lease decisions
• Government benefits or licenses
• Education admissions or scholarships
• Any other purpose authorized under FCRA § 604

If you are making one of these decisions, use a consumer reporting agency that is FCRA-compliant. Owlray is not that provider.

What Owlray is for

Owlray exists for personal due diligence, small-business vetting, journalism, scholarship, and other lawful research that does not trigger the FCRA. Examples include checking a date, researching a contractor or public figure, reconnecting with someone, or refreshing what you already know about a person.

If you are unsure whether your use case is regulated, assume that it is and consult a lawyer before proceeding.

Equivalent laws elsewhere

Other jurisdictions have their own rules governing profiling and consequential decisions. Owlray is not certified as a regulated screening provider under those regimes. The same principle applies: do not use Owlray for any consequential decision governed by local law.

If you use Owlray anyway

Using Owlray for an FCRA-regulated purpose violates our terms, and we may suspend or terminate an account when we detect that misuse.

The subject of a misused report may also have legal claims against you. Owlray cannot indemnify you for that misuse.