No employment screening
You cannot use GIK for employment related background checks of any kind, including pre-employment background checks, hiring, promotion, reassignment, demotion, or termination of an employee. These restrictions apply to domestic work, including a nanny or gardener.
No tenant screening
You cannot use GIK in connection with a decision to rent, lease or sell a residential or commercial space or unit.
No decisions about credit, loans or insurance
You cannot use GIK to assess the risk of someone’s existing credit obligations or to determine someone’s eligibility for issuing or extending credit, insurance, or loans.
No professional service provider screening
You cannot use GIK to screen a professional service provider such as a tutor, doctor, coach or personal trainer.
No education or scholarship qualification screening
You cannot use GIK to screen someone in order to determine if they are eligible for an educational program, financial aid, grant, or scholarship.
No business transactions initiated by an individual consumer
You cannot use GIK in connection with a business transaction initiated by an individual consumer, including screening an individual to determine whether they continue to meet the terms of a personal customer account.
No "adverse action" and no other purpose specified in the FCRA
In addition, you cannot use GIK for any other purpose under the FCRA, and you may not use any information provided by GIK to take any "adverse action" as that term is defined in FCRA – for example, withdrawing an offer or employment, or declining to rent an apartment or house.