Last Revised: August 2025
Thank you for connecting to the Equifax Workforce Solutions LLC (“Equifax”) consumer portal. Equifax is a reseller of consumer reports made available by Plaid Consumer Reporting Agency, Inc. dba Plaid Check (“Plaid CRA”). Equifax provides services to the state agency with which you are applying for social service benefits. You have been directed to this portal because your state agency has requested direct deposit account data (“DDA Data”) from your financial institution(s). DDA Data includes the following categories of information: deposit information such as income amounts, sources of income, income categories, pay frequencies, pay dates, and original descriptions.
You will be connected directly to Plaid CRA so that Plaid CRA can provide this DDA Data to Equifax to provide to the state agency on your behalf. Plaid CRA allows you to connect your bank account(s) and other financial account(s). Plaid CRA obtains DDA Data from accounts you authorize, creates consumer reports, and shares them with resellers like Equifax who will make them available to users who have a permissible purpose. Permissible purpose decisions may include determining your eligibility for benefits.
Once you authorize Plaid CRA to provide the DDA Data to Equifax, Equifax may use this data to perform analytics, modeling, and/or demographic studies. Equifax will not share this DDA Data with any third parties other than Equifax, state agencies outside of the agency with whom you have applied for benefits, and in relation to audits by any governing regulatory bodies. The above described process of collecting, sharing, and/or using DDA Data will be referred to as the “Service” throughout this Agreement.
This Equifax Consumer Consent Agreement (“Agreement”) is an agreement between you (“You” or “Your”) and Equifax (may also be referred to as “We”, “Us”, or “Our”). This Agreement applies to the Equifax access, use, and resale of DDA Data. This Agreement and its terms and conditions are distinct from those that will be presented to you by Plaid CRA separately.
Consumer Consent This Agreement contains the terms and conditions under which Equifax may access, use, and resell Your DDA Data, with your authorization. By accepting this Agreement, you authorize Equifax to obtain non-public DDA Data from Plaid CRA to resell to consumer report Users who have a permissible purpose, and You further authorize Equifax to use this data to perform analytics, modeling, and/or demographic studies (“Consent”).
Revocation of Consent You may revoke Your Consent relating to Your DDA Data by going to https://totalverify.equifax.com/manage-your-consumer-permissioned-data. If you revoke your Consent, Equifax will no longer use or retain Your DDA Data. Equifax will comply with applicable law, statutes and regulations in providing the Service and in completing revocation of Consent.
Equifax Certifications Equifax maintains written policies and procedures that are reasonably designed to ensure that DDA Data is accurately received from Plaid CRA and your accounts are accurately provided to third parties such as state agencies. Equifax will limit its collection, use, and retention of Your DDA Data to what is reasonably necessary to provide the Service. Equifax will limit its retention of Your DDA Data to a maximum period of one year. Collection will not last longer than one year after Your most recent reauthorization or date of revocation of Consent, whichever is earlier. Equifax applies an information security program to its systems for the collection, use, and retention of DDA Data, which follows the applicable rules issued pursuant to the Safeguards Framework of the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. 6801 et seq.
Limitation of Liability Neither We nor any of our affiliated persons will be liable to You for any loss or injury arising out of or caused, in whole or in part, by any negligent acts or omissions of any such person in providing the DDA Data, or in doing anything related thereto. Neither We nor the affiliated persons will be liable to You for direct, special, indirect, incidental, consequential, punitive or emotional distress damages (including but not limited to lost profits or opportunities, business interruption and loss of programs or data) in connection with:
This section does not apply to New Jersey Residents.
Indemnification You will indemnify and hold Us and Our affiliates harmless from and against actual loss, costs, liabilities and expenses (including reasonable attorneys' fees) resulting from Your breach of this Agreement, Your use of the Service or any information contained in the Service or provided by Us, or Your infringement of any intellectual property or other right of any person or entity.
Agreement to Resolve All Disputes by Binding Individual Arbitration Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by binding arbitration in St. Louis, Missouri, administered by the American Arbitration Association in accordance with its commercial arbitration rules, and judgement on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Additionally, each of the parties hereby waive, to the extent permitted by law, the right to bring or join any class action proceedings.
Personal Information; Authorization As needed to provide the Service to You, You authorize and instruct Us to obtain, compile, and store any information that You provide such as (but not limited to) Your name and the last four digits of your Social Security Number. By using the Service through providing Your information, You acknowledge and agree that Your access to the Service is subject to Your prior written authorization. Privacy
You can review our Privacy Policy, which provides information regarding our handling of any personal data that You may provide to Us. By clicking accepting this Agreement, You acknowledge receipt of the Privacy Policy and acknowledge that We may use and share Your personal data in accordance with such Privacy Policy.
Termination and Modification We may discontinue, cancel, suspend or terminate this Agreement for any reason with or without notice. We may modify this Agreement from time-to-time. When We amend this Agreement, We will provide notice and post the amended Agreement on Our website at https://totalverify.equifax.com/consumer-services-agreement. Your continued use of the Service constitutes Your acceptance of the amended Agreement. If You do not accept the new Agreement, You must revoke Your Consent. You also agree to an amended Agreement if You take other actions that demonstrate You have accepted the amended Agreement.
Notice You expressly consent to receive all communications regarding the Service electronically, either by e-mail or text, and You agree that any requirement that a notice, disclosure, agreement, or other communication be sent to You by Us in writing is satisfied by such electronic communication.
Applicable Law This Agreement and its enforcement shall be governed by the laws of the state of Missouri, without regard to conflict of law principles.
Electronic Receipt; Agreement to be Bound By accepting this Agreement, You are acknowledging electronic receipt of and Your agreement to be bound by this Agreement. This Agreement constitutes the entire agreement between You and Us regarding the Service. If any provision of this Agreement is held invalid, unenforceable or void by applicable laws, the remaining portions shall continue in full force and effect. You may obtain a copy of this Agreement at any time by https://totalverify.equifax.com/consumer-services-agreement. If you have any questions regarding Equifax access to Your DDA Data, you may contact Us at IEConnectConsumerRequests@equifax.com