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Agreement for Service - Credit Bureau Inc. of Georgia and Factual Data Corp.

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                              SUPPLEMENT AGREEMENT





                             AGREEMENT FOR SERVICE
                               (MEMBER AGREEMENT)

THE CREDIT BUREAU, INCORPORATED OF GEORGIA

GENTLEMEN:

The undersigned, desiring to use your services at the regular prices
established by you from time to time, agrees to furnish information concerning
its customers, with the exception of information it has received from others,
upon your request and further agrees that all information, whether oral or
written, whether by report, bulletin or otherwise, will be submitted and
received subject to the following conditions:

Information will be requested only for our exclusive use.  All information
received from you will be held in strict confidence, except to the extent t hat
disclosure to others is required by law.  Reports on employees will be required
only by our designated representatives and employees will be forbidden to
attempt to obtain reports on themselves, associates, or any other persons
except in the exercise of their official duties.

We agree to hold The Credit Bureau, Incorporated of Georgia, and all its agents
on account of any expense or damage arising or resulting from the publishing or
other disclosure contrary to these conditions, by use, our employees or agents,
of report or other information.

Recognizing that information is secured by and through fallible human sources
and that for the fee charged you can not be an insurer of the accuracy of the
information, we understand and agree that the accuracy of any information
furnished is not guaranteed by you and we release The Credit Bureau,
Incorporated of Georgia and its agents, employees, and independent contractors
from liability for any negligence in connection with the preparation of such
reports and from any loss or expense suffered by us resulting directly or
indirectly from your reports or those of your affiliated companies.

All reports and bulletins will be charged to the undersigned at the regular
rates of The Credit Bureau, Incorporated of Georgia, in the city in which
the service is rendered, such charges to be applied against the contract price,
and charges, in addition to the contract price, shall be paid for by the
undersigned upon rendition of monthly or yearly statement.

Written notice by either party will terminate this agreement, but the
obligations and agreements of the undersigned set forth in the second, third
and fourth paragraphs above will remain in force.

We certify that consumer reports, as defined by the Fair Credit Reporting Act,
will be ordered only when intended to be used as a factor in establishing a
consumer's eligibility for new or continued credit, collection of an account,
insurance, licensing, employment purposes, or otherwise in connection with a
legitimate business transaction involving the consumer and such reports will be
used for no other purpose.  Each request for a report which we intend to use
for employment purposes will be specifically identified to you at the time the
request is ordered.

We understand and agree that this letter constitutes all agreements and
conditions of reporting, present and future, and applies to all types of
reports, including all types of checking services and bulletins, made by you
and your affiliated companies.  Reports from affiliated companies shall be paid
for at their prices established from time to time.  No changes in this
agreement may be made except by consent in writing of an officer of The Credit
Bureau, Incorporated of Georgia.


                                              Company Credit Information Systems
                                                      --------------------------
                                                   By J H DONNAN
                                                      --------------------------
                                                Title President
                                                      --------------------------

Dated 2/15/85 at
     ---------  ----------------------------------------------------------------
Service                  Other               Total               Per
       ------------------     ---------------     ---------------   ------------
Beginning                          Type of Business
         --------------------------                -----------------------------
Mailing Address P.O. Box 436 Ft. Collins CO 80522
               -----------------------------------------------------------------

<PAGE>   2
CBI
----------
EQUIFAX




                             AGREEMENT FOR SERVICE
                            (INTER-BUREAU CONTRACT)

THE CREDIT BUREAU, INCORPORATED OF GEORGIA

GENTLEMEN:

The undersigned does hereby certify that we are in fact a Credit Bureau or
Consumer Reporting Agency desiring to use your services from time to time.

We certify that consumer reports, as defined by the Fair Credit Reporting Act,
will be ordered only when intended to be used as a factor in establishing a
consumer's eligibility for new or continued credit, collection of an account,
insurance, licensing, employment purposes, or otherwise in connection with a
legitimate business transaction involving the consumer and such reports will be
used for no other purpose.  Each request for a report which is intended to be
used for employment purposes will be specifically identified to you at the time
the request is ordered.

We agree that reports on employees will be requested only by our designated
representative.  Our employees will be forbidden to attempt to obtain reports
on themselves or associates,  or on any other person except in the exercise of
their official duties.

We agree that in relaying any and all information or reports received from you
to our customers or users, we shall in all instances faithfully transmit such
information or reports in their entirety, including but not limited to
transmitting the date the information was last checked or revised by you and
your full name and mailing address.

We further agree that, in case the disclosure of any information or reports by
us or by our subscribers leads to any claims or litigation, we agree to
indemnify you, your agents, employees, and independent contractors, for any
liability, damages or expenses resulting therefrom.  We further recognize that
the accuracy of any information furnished is not guaranteed by you, and we
release you and your agents, employees, and independent contractors from
liability for any negligence in connection with the preparation of such reports
and from any loss or expense suffered by us or our subscribers or users
resulting directly or indirectly from your reports.

We agree to pay promptly for all reports or information requested, according to
the rate schedule of cash prices now or subsequently established by you, plus
the charges for any special telephone or telegraph services or any special
services rendered by you.

We further agree that this contract shall remain in force and effect until
written notice of cancellation shall be given by either party at least 10 days
prior to the cancellation date.  It is agreed further, however, that if we are
delinquent in the payment of charges or are guilty of violating the terms of
this contract, that you may, at your election, discontinue providing services
to us and cancel this contract immediately by written notice to us.  In the
event of termination of this contract for any reason, the provisions of the
foregoing paragraphs will remain in full force and effect as to any reports or
services which we have requested or received from you prior to the date of
cancellation.

No changes in this agreement may be made except by consent in writing of an
officer of The Credit Bureau, Inc. of Georgia


                                 Company FACTUAL DATA CORP
                                        ----------------------------------------
                                      By /s/ B. McINTIRE
                                        ----------------------------------------
                                   Title Administrative Assistant
                                        ----------------------------------------
                         Mailing Address P.O. BOX 436
                                        ----------------------------------------
                                         FORT COLLINS, CO 80522-0436
                                        ----------------------------------------
                                           (City)        (State)      (Zip Code)

                          Account Number
                                        ----------------------------------------
Dated at  17451 MASTANCHURY RD, SUITE 701, YORBA LINDA, CA 92680
        ------------------------------------------------------------------------
This      9th       Day of    FEBRUARY       1989
    ----------------      -------------------  ---------------------------------
<PAGE>   3

                              SUPPLEMENT AGREEMENT
                                       TO
                             AGREEMENT FOR SERVICE


THE CREDIT BUREAU, INCORPORATED OF GEORGIA
ATLANTA, GEORGIA



GENTLEMEN:

This Agreement shall not supersede the Agreement for Service executed by the
undersigned organization on _________________________________________________,
but shall be considered as supplementary thereto.

We own or lease ___________ remote terminal(s) suitable for integration into
your computer system to permit us to access information available to us under
said Agreement for Service.  We understand that, on acceptance by you of this
agreement, access to your computer system will be made available.  We will bear
the expense of and make all technical arrangements necessary at our place of
business to conduct our terminal(s) to your computer system.

We agree that the terminal(s) will be operated only by certain of our employees
who shall have been trained by members of the staff of CBI.   At least two of
our employees shall have been so trained by CBI prior to connection of our
terminal(s) to your computer system;  At least  two trained operators will be
available to operate the terminal(s) during the time of this agreement.

We agree to take all necessary measures to prevent unauthorized use of the
terminal(s) by any person other than designated operators and will establish
and enforce policies whereby our employees are forbidden to obtain information
on themselves or associates.  "We further agree that if the terminal(s) are
utilized to order or obtain reports for employment purposes, that such reports
will be ordered and obtained only pursuant to the CBI Employment Report Request
Procedures which, as amended from time to time, are incorporated into and made
a part of this Agreement."

We agree that, with regard to the operation of the terminal(s), CBI shall not
be liable for transmission distortion, interruptions or failure of for any
resulting consequential or special damages whatsoever.

This agreement is not assignable.  It shall be effective on the date it is
accepted by CBI and shall remain in force a minimum of 30 days, and thereafter
until written notice of termination shall be given by either party, at least 30
days prior to the termination date.


                                   Company FACTUAL DATA CORP
                                          -----------------------------------
                                        By /s/ B. MCINTIRE
                                          -----------------------------------
                                     Title ADMINISTRATIVE ASSISTANT
                                          -----------------------------------
                                     Dated 2-9-89
                                          -----------------------------------

ACCEPTED

CREDIT BUREAU INCORPORATED OF GEORGIA


By /s/ NEIL K. DUDICE
  -----------------------------------
Dated 2-9-89
     --------------------------------