1. Who We Are and What This Policy Covers

Et All, Inc. ("Et All," "we," "us," or "our") is a California consumer reporting agency and investigative consumer reporting agency. We prepare background screening reports for employers and for landlords and property managers ("clients") who have a legally permissible purpose and, where required, the written authorization of the person being screened. Our services may include criminal and civil court record searches, sex offender registry searches, workers' compensation (EAMS) record searches where permitted by law, education and employment verifications, credit reports obtained through TransUnion as an authorized reseller, and motor vehicle records (MVRs).

This Privacy Policy explains how we collect, use, share, protect, keep, and dispose of personal information, including (a) information about job and rental applicants and other consumers who are the subject of our reports ("you" or "consumers"), and (b) information collected through our website, www.etall.com, our client online ordering system, and our applicant portal, QuickApp. It also explains your rights and how to exercise them.

We post this Privacy Policy conspicuously on our website as required by California Civil Code section 1786.20(d). If you do not have internet access, call us at (714) 572-5680 and we will mail you a copy at no charge.

2. Personal Information We Collect

2.1 Information you provide

When a client asks us to screen you, you may receive an email invitation to complete an online application and authorization through QuickApp, or you may complete paper forms. You may provide:

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• Identifiers such as your full name and any former names, date of birth, Social Security number, driver's license number and state, current and past addresses, email address, and phone number.

• Employment and education history, professional licenses, and references.

• Your electronic or handwritten signature, the date and time you signed, and the forms you signed (disclosures, authorizations, and any request for a free copy of your report).

• Information you send us when you ask to see your file, dispute an item, or otherwise contact us, including identification documents.

2.2 Information from clients

Clients provide information needed to place an order, such as your name, contact details, the position or rental unit you applied for, the type of search requested, and their certification of permissible purpose. We also collect business contact and account information for our clients' authorized users.

2.3 Information from other sources

To prepare a report, we gather information from sources such as federal, state, and county courts and their records systems; state sex offender registries; the California Workers' Compensation Appeals Board EAMS system; state departments of motor vehicles; schools, employers, and third-party verification services; TransUnion; and independent court record researchers located in the United States. Depending on the search, a report may contain criminal and civil case information, driving history, credit information, and verified education and employment details.

2.4 Information collected automatically on our website

When you visit our website or use our online systems, we and our service providers may automatically collect technical information such as IP address, browser type, device information, pages viewed, and date and time of access. See Section 12 (Cookies, Analytics, and Do Not Track).

2.5 Information we do not seek

We do not request information that an employer or landlord would be prohibited from requesting under federal or California equal employment opportunity, fair housing, or other anti-discrimination laws, and we do not report information that the law does not allow us to report.

3. How We Use Personal Information

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• To prepare consumer reports and investigative consumer reports requested by clients with a permissible purpose and, where required, your written authorization.

• To verify your identity, match records accurately, and confirm that public-record information is complete and up to date.

• To deliver copies of reports to you when you ask for one or when the law requires it.

• To let you inspect your file, answer your questions, and investigate disputes.

• To set up and manage client accounts, verify client identity and permissible purpose, and bill for services.

• To operate, secure, and improve our website and online systems, and to prevent fraud and unauthorized access.

• To comply with law, regulation, court orders, our contracts with data suppliers (including TransUnion and state DMVs), and audits.

We do not use the personal information in consumer reports for marketing, and we do not use it for any purpose other than those listed here.

4. How We Share Personal Information

We share personal information only as described below and only as permitted by law:

 

• With the client who ordered the report. We furnish reports only to clients who have identified themselves, certified the permissible purpose for which the report is sought, certified that they will use it for no other purpose, and signed a written agreement with us, as required by the Fair Credit Reporting Act (FCRA) and California Civil Code section 1786.20(a). Employment clients must also certify that they made the required disclosures and obtained your written authorization.

• With you. You may obtain a copy of your report and inspect your file as described in Sections 7 and 8.

• With sources, as needed to complete a search. For example, we give a school or past employer enough information to locate your records, and we give a court researcher the identifiers needed to search court indexes. When you dispute information, we notify the source as the law requires.

• With service providers. We use a limited number of vendors, such as our online ordering and platform provider, website hosting, secure email, and record retrieval providers. They may use personal information only to perform services for us and must protect it.

• For legal reasons. We may disclose information when required by subpoena, court order, or other legal process, or to regulators and auditors (including audits required by TransUnion or a state DMV).

• Business transfers. If Et All is sold or merges with another company, records may be transferred to the successor, which must continue to honor the laws that protect them.

We do not sell personal information, and we do not "share" personal information for cross-context behavioral advertising, as those terms are defined in the California Consumer Privacy Act.

5. Personal Information Disclosure: United States or Overseas

As required by California Civil Code section 1786.20(d)(1)(A): Et All does not send or transfer personal information to third parties outside the United States or its territories. This includes our contractors, employees, and service providers. All report preparation, processing, record retrieval, and data storage are performed within the United States. If this practice ever changes, we will update this Privacy Policy before any such transfer occurs.

6. Privacy Contact: Questions About Our Privacy Practices

As required by California Civil Code section 1786.20(d)(1)(B), the person below is responsible for our privacy practices and this Privacy Policy and can help you with additional information about them, including if you believe your information has been compromised:

Name / Title:    Gregory Kubisty, CEO
Mailing address:    Et All, Inc., 5557 E. Santa Ana Canyon Road, Suite 217, Anaheim, CA 92807
Email    etall@etall.com
Telephone    (714) 572-5680
Business hours    Monday–Friday, 8:30 a.m. to 5:00 p.m. Pacific Time, excluding holidays

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7. Your Rights Under California Law (Investigative Consumer Reporting Agencies Act)

California's Investigative Consumer Reporting Agencies Act (ICRAA), Civil Code section 1786 and following, gives you the rights summarized below. These rights are in addition to your rights under the federal FCRA (Section 8).

7.1 Right to inspect your file and learn sources and recipients (Civ. Code §§ 1786.10, 1786.11)

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• Upon request and with proper identification, you may visually inspect all files we maintain about you at the time of your request.

• All items of information are available for inspection. We are not required to disclose the identity of confidential sources acquired solely for preparing an investigative consumer report and used for no other purpose (public records and records from databases available for sale are not treated as confidential sources).

• We will identify each recipient that received an investigative consumer report about you from us for employment or any other purpose within the three years before your request, including the recipient's name (or full trade name) and, if you ask, its address and telephone number.

• We will make a copy of any investigative consumer report we provided to a client available to you, upon request and with proper identification, for at least two years after we provided it.

7.2 How to inspect your file (Civ. Code § 1786.22)

We will make your file available during normal business hours and on reasonable notice. You may inspect it:

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• In person, at our Anaheim office, if you present proper identification. A copy of your file is available for a fee not to exceed our actual cost of duplication.

• By certified mail, if you send us a written request, with proper identification, for copies to be sent to a specified addressee. We are not responsible for disclosures to third parties caused by mishandling of mail after it leaves our office.

• By telephone (summary), if you send us a written request, with proper identification, for telephone disclosure. Any toll charge for the call is paid by or charged directly to you.

"Proper identification" means information generally sufficient to identify you, such as a valid driver's license, Social Security number, military identification card, or credit cards. Only if you cannot reasonably identify yourself with these may we ask for additional information about your employment and personal or family history to verify your identity.

Trained personnel will explain any information in your file, and we will give you a written explanation of any coded information. You may bring one other person of your choosing, who must furnish reasonable identification. We may ask you to sign a written statement permitting us to discuss your file in that person's presence.

7.3 Disclosure, authorization, and free copy of your report (Civ. Code § 1786.16)

Before an employer procures an investigative consumer report about you (other than in a workplace misconduct investigation), it must give you a clear and conspicuous written disclosure, in a document consisting solely of the disclosure, that identifies the permissible purpose; explains that the report may include information on your character, general reputation, personal characteristics, and mode of living; identifies us by name, address, and telephone number; describes the nature and scope of the investigation, including a summary of your rights under Civil Code section 1786.22; and gives our website address, where you can find this Privacy Policy. The employer must also obtain your written authorization. For rental housing, the landlord must notify you in writing within three days after requesting a report, including our name and address and a summary of section 1786.22.

The disclosure or authorization form must include a box you can check to receive a copy of any report prepared. If you check the box, the client (or Et All on the client's behalf) must send you a copy within three business days after the client receives the report. Our authorization forms include this checkbox.

7.4 Limits on what we report (Civ. Code § 1786.18)

Except where an exception in the law applies (for example, where a government regulatory agency explicitly requires an employer to check for such records), we do not report:

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• Bankruptcies more than 10 years old (from the date of the order for relief).

• Civil suits more than seven years from filing and satisfied or unsatisfied judgments more than seven years from entry.

• Unlawful detainer (eviction) actions in which the tenant was the prevailing party or that were resolved by settlement.

• Paid tax liens more than seven years from payment, and accounts placed for collection or charged off more than seven years old.

• Records of arrest, indictment, information, misdemeanor complaint, or conviction that, from the date of disposition, release, or parole, are more than seven years old. This seven-year limit applies to convictions in California reports. We do not report a conviction once we learn a full pardon was granted, or an arrest or charge that did not result in conviction, except while judgment is still pending.

• Medical debt, and any other adverse information more than seven years old.

Before furnishing public-record information about an arrest, indictment, conviction, civil action, tax lien, or outstanding judgment, we verify its accuracy within the 30 days before the report is furnished. Certain records, such as sex offender registry information and workers' compensation records, are reported only where and to the extent permitted by law.

7.5 Accuracy and current public records (Civ. Code §§ 1786.20(b), 1786.28)

We follow reasonable procedures to assure maximum possible accuracy of the information in our reports. Every report containing public-record information identifies the source, including the particular court where applicable, and the date the information was initially reported or publicized. For employment reports, we maintain strict procedures designed to ensure that adverse public-record information is complete and up to date, meaning that we report the current public-record status of the matter at the time of the report.

7.6 Disputes and reinvestigation (Civ. Code § 1786.24)

If you believe any item in your file is inaccurate or incomplete, tell us directly (see Section 17). We will, free of charge, reinvestigate and record the current status of the disputed information, or delete it, before the end of the 30-day period beginning on the date we receive your dispute. During a reinvestigation:

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• We notify the source of the disputed information and consider all relevant information you send us.

• If the information is inaccurate, incomplete, or cannot be verified, we promptly delete or correct it and notify you and the source in writing.

• We will not reinsert deleted information unless the source certifies that it is complete and accurate, and we will notify you in writing if we do.

• When the reinvestigation is completed, we send you the results, a revised report, and a description of any changes. If you ask, we will describe how we determined accuracy, including the name, business address, and telephone number of any furnisher we contacted.

• If the dispute is not resolved, you may add a brief statement of dispute to your file. Upon your request, we will notify recent recipients of the report (those who received it for employment purposes within the past two years, or for any other purpose within the past year) of any deletion or of your statement.

We may end a reinvestigation if we reasonably determine the dispute is frivolous or irrelevant, such as when we do not receive enough information to investigate. If so, we will tell you why and what information we need.

8. Your Rights Under the Federal Fair Credit Reporting Act

As a consumer reporting agency, we comply with the federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 and following. Among other things:

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• Permissible purpose. We furnish consumer reports only to clients with a permissible purpose under 15 U.S.C. § 1681b, such as evaluating you for employment (with your written authorization) or in connection with a rental application you initiated.

• Your right to know. You may request and obtain the information in your file and its sources and learn who has received a report about you. You must be told if information in a report was used against you, and you are entitled to a free disclosure in certain cases, such as after an adverse action.

• Disputes. You may dispute incomplete or inaccurate information, and we must investigate (generally within 30 days) and correct or delete inaccurate, incomplete, or unverifiable information.

• Outdated information. In most cases, negative information more than seven years old, and bankruptcies more than 10 years old, may not be reported. California law may provide greater protection (see Section 7.4).

• Other rights. You may seek damages from violators, and identity theft victims and active-duty military personnel have additional rights.

For a complete statement of your federal rights, see "A Summary of Your Rights Under the Fair Credit Reporting Act" at www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

9. Credit Reports, Financial Information, and Driver Records

Credit reports (TransUnion). We obtain credit reports as an authorized reseller of TransUnion, only for clients with a permissible purpose who have been verified under our agreement with TransUnion. Credit information is also protected by the California Consumer Credit Reporting Agencies Act (Civil Code section 1785.1 and following). Questions about the accuracy of credit data may also be directed to TransUnion at www.transunion.com.

Gramm-Leach-Bliley Act (GLBA). Some information in credit reports comes from financial institutions and is nonpublic personal information under the GLBA, 15 U.S.C. § 6801 and following. We use and disclose such information only as permitted by the GLBA and its rules, and we protect it with administrative, technical, and physical safeguards.

Driver's Privacy Protection Act (DPPA). Motor vehicle records are obtained only for a permissible use under the DPPA, 18 U.S.C. § 2721 and following, and applicable state law (including California Vehicle Code section 1808 and following), such as verifying information for employment involving driving. We disclose motor vehicle record information only to the client that requested it and only as permitted by law and our agreements with state DMVs.

10. California Consumer Privacy Act (CCPA/CPRA)

Most of the personal information we handle is in consumer reports regulated by the FCRA. To the extent that information is regulated by the FCRA, it is largely exempt from the California Consumer Privacy Act, as amended by the California Privacy Rights Act (together, "CCPA"), under Civil Code section 1798.145(d). Your rights regarding that information are described in Sections 7 and 8.

To the extent the CCPA applies to other personal information we hold, such as website visitor data, client contact information, and inquiries, California residents have the following rights:

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• Right to know the categories and specific pieces of personal information we collected, the sources, our purposes, and the categories of third parties to whom we disclosed it.

• Right to delete personal information we collected from you, subject to legal exceptions (for example, records we must keep under the FCRA or ICRAA).

• Right to correct inaccurate personal information.

• Right to opt out of sale or sharing. We do not sell or share personal information, so there is nothing to opt out of. We also do not use or disclose sensitive personal information for purposes that would require a right to limit.

• Right to non-discrimination for exercising these rights.

Categories collected in the past 12 months: identifiers; personal information described in Civil Code section 1798.80(e); professional and education information; internet or network activity (website use); and, in consumer reports governed by the FCRA, records described in Section 2. Sources and purposes are described in Sections 2 and 3. We disclose personal information for business purposes only to the categories of recipients described in Section 4.

Submitting a request. Email etall@etall.com , call (714) 572-5680, or write to us at the address in Section 6. We will verify your identity by matching information you provide with information we hold, and we may ask for additional identification. An authorized agent may submit a request on your behalf with your signed permission. We will respond within 45 days, or tell you if we need more time as the law allows.

11. Online Ordering and Electronic Signatures

Clients use our secure online ordering system to request reports. At a client's direction, the system can email you an invitation to complete your application and authorization forms online. The invitation will identify the client and Et All. Information you enter is transmitted over an encrypted connection.
By signing electronically, you agree to conduct the transaction electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN), 15 U.S.C. § 7001 and following, and the California Uniform Electronic Transactions Act, Civil Code section 1633.1 and following. Your electronic signature has the same legal effect as a handwritten signature. We keep a record of the signed documents and the date and time of signing. You may ask for paper copies of the forms you signed, or ask to use paper forms instead, by contacting the client or us. You can download or print your signed forms. If you did not expect an invitation or believe it was sent in error, do not complete it, and contact us.

12. Cookies, Analytics, and Do Not Track

Our website and online systems use cookies and similar technologies that are needed to operate secure log-in sessions and remember your settings. We may also use analytics tools that collect information about how visitors use the public website so we can improve it. We do not use cookies for targeted advertising, and we do not allow third parties to collect information about your online activities across other websites through our site for advertising purposes.
You can set your browser to refuse or delete cookies, but parts of the online ordering system may not work without them. Our website does not respond differently to "Do Not Track" browser signals, because we do not track visitors across third-party websites. We treat a Global Privacy Control signal as a request to opt out of sale or sharing, although we do not sell or share personal information.

13. Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, disclosure, alteration, and destruction. These include encrypted (TLS) connections for our online systems, password-protected and role-based access for client users, limiting access to personal information to people who need it to perform their duties, verifying the identity and permissible purpose of new clients before we provide reports, secure storage of paper records in a locked office, and complying with the security requirements of our data suppliers, including TransUnion.
No method of transmission or storage is completely secure. If we learn of a breach of security involving your personal information, we will notify you as required by California Civil Code section 1798.82 and other applicable law. If you believe your information has been compromised, contact our Privacy Officer (Section 6).

14. Record Retention and Secure Disposal

We keep personal information only as long as needed for the purposes in this Privacy Policy and as required by law. We retain each investigative consumer report for at least two years after it is provided (Civil Code section 1786.20(b)), and keep reports, authorizations, and related records for five (5) years to meet legal, audit, and contractual obligations and to respond to disputes and legal claims.
When records are no longer needed, we dispose of them securely in accordance with the FTC Disposal Rule (16 C.F.R. Part 682) and California Civil Code section 1798.81, by shredding or otherwise destroying paper records and permanently erasing or destroying electronic records so the information cannot practicably be read or reconstructed. Our service providers must follow the same standard.

15. Children's Privacy

Our website and services are intended for businesses and adults. We do not knowingly collect personal information online from children under 13. Background screening of minors (for example, applicants age 16–17) occurs only at the request of a client with a permissible purpose and with the authorization required by law. If you believe a child under 13 has given us personal information through our website, contact us and we will delete it.

16. Links to Other Websites

Our website may link to websites operated by others, such as government agencies, TransUnion, and the Consumer Financial Protection Bureau. We are not responsible for the privacy practices of those websites, and we encourage you to read their privacy policies.

17. How to Contact Us and Submit Requests

To inspect your file, request a copy of your report, dispute information, make a CCPA request, or ask a question about this Privacy Policy, contact us:

•    By mail: Et All, Inc., 5557 E. Santa Ana Canyon Road, Suite 217, Anaheim, CA 92807 (use certified mail for file copies under Section 7.2)
•    By email: etall@etall.com
•    By phone: (714) 572-5680
•    In person: at our office during normal business hours, Monday–Friday, 8:30 a.m. to 5:00 p.m. Pacific Time . Please call ahead so we can have your file ready.

To protect your privacy, we will verify your identity before disclosing or changing any information. When you dispute an item, please include your full name, current address, date of birth, the name of the client that ordered the report (if known), the item you dispute, why you believe it is inaccurate or incomplete, and any supporting documents. Please do not send your full Social Security number by unencrypted email.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated version on www.etall.com and change the "Last Updated" date above. If we make material changes, including any change to our practice of not transferring personal information outside the United States, we will post a prominent notice on our website before the change takes effect.

Effective Date: July 31, 2026