Acceptable Use Policy

Last updated: June 2026

This Acceptable Use Policy ("AUP") describes the permitted and prohibited uses of Skip Tracers's services. The AUP is part of, and incorporated into, the Terms of Service. A violation of this AUP is a violation of the Terms of Service.

The AUP works in tandem with the FCRA, GLBA & DPPA notice, which controls in the event of any conflict.

1. Purpose

Skip Tracers's services are designed for professional, lawful purposes only. Our customers are attorneys, licensed private investigators, debt collectors, process servers, repossession agents, insurance investigators, judgment creditors, and similar professionals. Our reports are investigative work product, not consumer reports under the Fair Credit Reporting Act, and may be used only for the permissible purposes described below.

By placing an order, you agree to comply with this AUP.

2. Permitted uses

Subject to the restrictions in Section 3 and the regulatory limits described in the FCRA, GLBA & DPPA notice, the Services may be used for:

• Service of process. Locating individuals to deliver legal documents, including subpoenas, summonses, complaints, and other process required by a civil or criminal proceeding.
• Debt collection. Locating debtors to recover lawfully owing obligations, consistent with the Fair Debt Collection Practices Act ("FDCPA") and applicable state debt-collection statutes.
• Litigation preparation and support. Locating parties, witnesses, and assets for actual or anticipated litigation.
• Judgment enforcement. Locating assets and persons for execution on lawfully entered judgments.
• Insurance investigation. Investigating insurance claims for fraud, locating claimants, and supporting subrogation actions, consistent with the relevant insurance statutes.
• Repossession. Locating collateral for lawful repossession, by licensed repossession agents working under proper authority.
• Fraud investigation. Investigating actual or suspected fraud, identity theft, and related financial crimes.
• Civil and criminal proceedings. Supporting any civil, criminal, administrative, or arbitral proceeding.
• Due diligence. Counterparty, partner, vendor, or transaction-related due diligence for legitimate business purposes that are not FCRA-covered.
• Heir, beneficiary, and estate research. Locating individuals entitled to estates, unclaimed property, or other beneficiary interests.
• Witness location. Locating witnesses for a civil, criminal, or administrative proceeding.
• Real-estate matters. Contacting property owners and other parties in connection with legitimate real-estate transactions or disputes.

This is not an exhaustive list. If your intended use does not fit neatly into one of the categories above, contact compliance@skip-tracers.com before placing an order so we can help you determine whether your use is permissible.

3. Prohibited uses

The Services may not be used for any of the following purposes, even with the subject's consent:

3.1 FCRA-covered purposes

• Employment decisions. Hiring, promotion, retention, reassignment, or any other employment-related decision. Use an FCRA-compliant consumer reporting agency.
• Tenant screening. Evaluating a person's suitability as a tenant or roommate. Use an FCRA-compliant tenant-screening service.
• Credit decisions. Extending credit, setting credit terms, or evaluating creditworthiness. Use an FCRA-compliant consumer reporting agency.
• Insurance underwriting. Determining a person's eligibility for insurance or setting premium or terms.
• Eligibility for government licenses or benefits. Evaluating a person's eligibility for a license or other benefit granted by a government agency.
• Any other FCRA "permissible purpose" as that term is defined in 15 U.S.C. § 1681b.

Consent does not authorize these uses. Our reports are not consumer reports; a written authorization from the subject does not convert them into FCRA-compliant reports.

3.2 Personal and curiosity uses

• Personal curiosity. Looking up old acquaintances, family members, romantic interests, or anyone else without a legitimate professional purpose.
• Locating estranged family. We do not provide services for personal family reunification. There are dedicated nonprofit services for this purpose.

3.3 Harassment, stalking, and violence

• Stalking. Locating any person for the purpose of monitoring, following, or surveilling them outside of authorized law-enforcement or licensed investigative activity.
• Harassment or intimidation. Locating any person to harass, intimidate, threaten, embarrass, defame, or interfere with their lawful activities.
• Domestic violence and abuse. Locating a current or former intimate partner, spouse, child, or family member outside of a lawful court-ordered process. We will refuse service even when supporting documents suggest a domestic-relations matter if the totality of the facts indicates an intent to harm.
• Violence. Locating any person to harm them, their family, their property, or their associates.

3.4 Identity theft, fraud, and impersonation

• Identity theft. Using information to assume another person's identity, open accounts in their name, or obtain credit or benefits under their identity.
• Impersonation. Pretexting, social engineering, or other deceptive techniques used to obtain additional information about a subject.
• Phishing or scams. Targeting subjects with deceptive communications.

3.5 Discrimination

• Protected-class discrimination. Using information to discriminate against any person on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, genetic information, military or veteran status, or any other status protected by law.
• Redlining. Using location or demographic information to refuse service, target marketing, or set prices on a discriminatory basis.

3.6 Other unlawful uses

• Unauthorized surveillance. Monitoring any person without legal authority.
• Circumventing protective orders. Locating any person who has obtained a protective or restraining order against you or your principal.
• Witness tampering. Locating a witness for the purpose of intimidating, threatening, or improperly influencing their testimony.
• Violations of subject-specific privacy statutes. Including but not limited to the Driver's Privacy Protection Act, the Gramm-Leach-Bliley Act, HIPAA, and state-level equivalents.
• Any other purpose that violates federal, state, local, or applicable foreign law.

3.7 Locating minors

• Minors. Locating or identifying any person under the age of 18, except pursuant to a lawful, documented legal purpose, such as service of process in a matter involving the minor, a court order, child-support enforcement, or location of a minor heir or beneficiary. The Services may never be used to locate a minor for personal, curiosity, harassment, or any other non-legal purpose.

4. Restricted Services

The following Services are designated as restricted because they draw on data with heightened legal sensitivity (GLBA, DPPA, or other applicable frameworks):

For each restricted Service, you represent at checkout that you hold any license or professional credential required by applicable law for your stated permissible purpose.

Documentation. For the three Services that draw on Driver's Privacy Protection Act data, Vehicle Sighting Report (DRN), Driving Records Search, and Motor Vehicle Report (MVR), you must upload supporting documentation establishing your permissible purpose (such as a court order, subpoena, judgment, case docket, engagement letter, claim-file reference, or matter reference) before the order can be processed. For all other Services, supporting documentation is optional but encouraged.

We do not verify or authenticate the documentation you provide. We rely on your representation that it is true and genuine, and you agree to indemnify and hold us harmless from any claim arising out of false, altered, or fraudulent documentation. You may redact sensitive or unrelated portions, provided enough remains visible to establish the permissible purpose. We may, in our discretion, request additional documentation, refuse to fulfill an order, or refund an order without fulfillment if the stated purpose, on its face, does not correspond to a lawful permissible purpose.

5. Customer obligations

In addition to following the rules above, customers must:

5.1 Provide accurate intake information

Provide accurate, complete intake information and a truthful description of the permissible purpose. Materially false or incomplete information is a violation of this AUP.

5.2 Limit downstream sharing

Use each report only for the permissible purpose attested to at checkout. Share the report only with persons inside your organization or engagement who need to see it for that purpose. Do not redistribute, resell, repackage, or publicly disclose the report or any datum in it.

5.3 Independently verify

Independently verify any datum in a report on which you intend to rely for a legal, financial, or operational decision. Our reports are work product, not certified consumer reports, and public-records data is inherently imperfect.

5.4 Comply with applicable law

Comply with all federal, state, and local laws that apply to your use of the report, including the FCRA, GLBA, DPPA, FDCPA, state debt-collection statutes, state private-investigator and repossession licensing statutes, anti-stalking statutes, and consumer-protection statutes.

5.5 Maintain confidentiality

Treat each report as confidential. Do not store reports in publicly accessible locations. Do not post reports or excerpts to social media, public forums, or other public venues.

5.6 Report misuse

If you become aware of misuse, by yourself, your colleagues, your organization, or any third party, report it immediately to compliance@skip-tracers.com.

6. Monitoring and verification

We may, at any time and at our discretion:

• Review the permissible-purpose attestation and supporting documentation submitted with any order;
• Request additional documentation in support of an attestation;
• Investigate any indication of misuse, including patterns of orders that, in the aggregate, suggest a prohibited purpose;
• Decline, suspend, or refund any order that, in our reasonable judgment, may violate this AUP, the Terms of Service, the FCRA, GLBA & DPPA notice, or applicable law; and
• Cooperate with law-enforcement investigations.

7. Consequences of violation

Violations of this AUP may result in any combination of:

• Immediate suspension of access to the Services and refusal of any pending or future order;
• Forfeiture of fees paid for the order or orders giving rise to the violation;
• Recovery by Skip Tracers of its costs (including investigative, legal, and compliance costs) associated with the violation;
• Civil liability under the Terms of Service, including indemnification of Skip Tracers for any third-party claim arising from the violation;
• Civil and criminal liability under the FCRA, GLBA, DPPA, FDCPA, state privacy and consumer-protection statutes, and other applicable laws;
• Referral to law enforcement, to professional licensing authorities (state bar, PI licensing board, repossession licensing authority), and, where appropriate, to the affected subject; and
• Notification of affected subjects where required by law or where, in our judgment, notification is necessary to mitigate harm.

8. Reporting concerns

If you become aware of any actual or suspected misuse of the Services, please report it immediately and, where possible, anonymously:

Email: compliance@skip-tracers.com
Phone: (818) 796-3826

Reports are treated as confidential to the extent permitted by law. Retaliation against any person who reports a suspected violation in good faith is itself a violation of this AUP.

If you are the subject of a Skip Tracers report and believe the report was generated or used in violation of this AUP or applicable law, you may also contact us at the addresses above.

9. Changes to this Policy

We may amend this AUP at any time. The "Last updated" date at the top of the page reflects the most recent revision. Material changes will be summarized in a banner on this page for thirty (30) days following the revision. Your continued use of the Services after a revision constitutes acceptance of the revised AUP.

10. Contact

Skip Tracers
Compliance Office
Email: compliance@skip-tracers.com
Phone: (818) 796-3826