Notice Regarding Reports You Choose to Provide

HALOFIX USA Does Not Obtain Consumer Reports

HALOFIX USA LLC (“HALOFIX” or “the Company”) does not order, procure, request, or pay for consumer reports, investigative consumer reports, criminal background checks, or registry searches about applicants to the HALOFIX platform. HALOFIX has not engaged a consumer reporting agency or screening vendor for this purpose.

What HALOFIX does verify is your professional credential with the Florida Department of Business and Professional Regulation where your trade requires a licence, and your general liability insurance certificate.

Providing a Report Is Voluntary

Some independent service professionals already hold a report about themselves, often obtained through another platform they work with, or requested directly from a consumer reporting agency or a state agency. If you hold such a report, you may choose to send it to HALOFIX.

Doing so is entirely voluntary. HALOFIX does not require it, does not ask you to obtain one, and your application is not approved or refused on the basis of whether you provide one. The documents HALOFIX will accept are:

• A consumer report about you prepared by a consumer reporting agency (15 U.S.C. § 1681a(d)), including a copy of your own file obtained under 15 U.S.C. § 1681g.
• A criminal history record issued by a state agency — in Florida, a criminal history record from the Florida Department of Law Enforcement. A record issued directly by a state agency is not a consumer report, because a state agency is not a consumer reporting agency under 15 U.S.C. § 1681a(f).

What Happens to a Report You Provide

A HALOFIX reviewer reads the document you sent. If it is confirmed, your Hero profile shows that a report is on file together with the date it was reviewed. If you do not provide a report, no such indicator appears on your profile — nothing is implied about you either way. HALOFIX uses the document only to evaluate your participation on the platform and for no other purpose.

Your Rights Under the Fair Credit Reporting Act

If the document you provide is a consumer report prepared by a consumer reporting agency, the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) gives you the following rights:

• Right to know what is in your file: You have the right to request and obtain all the information about you in the files of a consumer reporting agency.
• Right to dispute incomplete or inaccurate information: If you identify information in your file that is incomplete or inaccurate, you may dispute it, and the consumer reporting agency must investigate your dispute unless it is frivolous.
• Right to have inaccurate information corrected or deleted: Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information, typically within 30 days.
• Right to pre-adverse action notice: Before HALOFIX takes any adverse action based in whole or in part on information in a consumer report you provided, you will be given notice and a description of your rights under the FCRA.
• Right to a free annual report: You are entitled to one free disclosure of your consumer report every 12 months from each nationwide consumer reporting agency.
• Right to seek damages: You may sue a consumer reporting agency or an information furnisher that violates the FCRA in state or federal court.

Pre-Adverse and Adverse Action

If HALOFIX decides to take adverse action based in whole or in part on information contained in a consumer report you provided, HALOFIX will give you written notice and a description of your rights under the FCRA (Summary of Rights) at least five (5) business days before taking that action, so that you have the opportunity to dispute the accuracy or completeness of the information. Because the report came from you, you already hold a copy of it; you may also obtain a copy directly from the agency that prepared it.

Contact Information

For questions about this notice, or to withdraw a report you previously provided, contact:

Federal Trade Commission (FTC) Contact

The FTC enforces the FCRA with respect to consumer reporting agencies. You may contact the FTC at:

Consumer Financial Protection Bureau (CFPB) Contact