Version 1.0 · Effective November 11, 2026 · authenticate.com/service-terms · Prior versions
Part of the Authenticate Customer Agreement between Authenticating.com LLC and its customer (Customer Agreement, Section 1.2). Capitalized terms not defined here have the meanings given in the Customer Agreement. Prior versions are archived on this page.
Every Service is classified as either an Identity Service or a Regulated Service. The classification determines whether Section 4 of the Customer Agreement applies in full.
The principle. An Identity Service verifies that an assertion the End User has made about their own identity is true — that a document is genuine, that a face matches, that a number is valid, that a person is who they say they are. A Regulated Service furnishes information about the End User that the End User did not supply, or is obtained from a source that furnishes it on consumer-report terms. Where a Service could reasonably fall on either side, it is classified as Regulated.
Not furnished as Consumer Reports. Sections 4.1 and 4.4 of the Customer Agreement apply; the remainder of Section 4 applies only to the extent stated. Customer may not use an Identity Service, or any result derived from one, as a factor in deciding an End User's eligibility for credit, insurance, housing or any other purpose described in 15 U.S.C. § 1681b (Customer Agreement, Section 4.4(2)). Identity Services may be used in the same transaction to confirm the End User's identity and prevent fraud.
| Service | What it does |
|---|---|
| Government ID Verification | Authenticates a government-issued identity document and extracts its data |
| Passport Verification | Authenticates a passport and extracts its data |
| Facial Recognition and Liveness Detection | Confirms the End User is live and matches the identity document |
| Knowledge-Based Authentication (KBA) | Confirms identity through questions only the End User should be able to answer |
| SSN Verification | Confirms a Social Security number is valid and consistent with the identity presented |
| Authoritative Database Identity Verification | Confirms the identity presented against authoritative records |
| International Identity Verification | Confirms a non-US identity against authoritative records |
| Email Verification and Phone Verification | Confirms control of an email address or phone number |
| Multi-Factor Authentication | Confirms possession of a second factor |
| Financial Account Ownership Verification | Confirms the End User owns the financial account presented |
| Risk Score and Risk Insights | Fraud-risk signals derived from the verification session |
| Age Verification | Confirms the End User meets a stated age threshold |
| ReAuthenticate™ | Re-confirms a previously verified identity |
| FEIN, Tax ID and DUNS® Verification; Full US Business Verification | Verifies a business entity, not a consumer |
| Medallion™ hosted interface | The delivery channel through which Services are presented; not itself a Service |
Furnished as Consumer Reports. Section 4 applies in full. Each request requires the certification in Section 4.2 of the Customer Agreement. Regulated Services may be requested for any permissible purpose under 15 U.S.C. § 1681b that Customer has certified and for which Customer has completed verification under Section 2.2 of the Customer Agreement — including trust and safety screening of independent contractors and platform participants (Section 4.5(a)), housing and lodging, and credit, insurance, lending and account review (Section 4.5(b)) — but never for employment purposes (Section 4.4(1)).
| Service | What it does |
|---|---|
| US Criminal Database Search | National criminal records |
| 7-Year Criminal Activity Verification | Criminal history over the preceding seven years |
| County Criminal and Civil Record Verification | County court records |
| Federal Criminal and Civil Record Verification | Federal court records |
| Manual Source-Level Verification | Court records verified at source |
| Sex Offender Registry Check (Sex Offender Check Pro, SOR+, SOR✓) | Sex offender registry records |
| Eviction and Housing Court Records | Landlord-tenant court records |
| County History | Identifies the counties and other jurisdictions where the End User's identity has been traced, to indicate where further record searches may be warranted. It is a pointer for scoping searches, not a record of any court case |
| Global Watchlist | Sanctions, enforcement and watchlist screening |
| Employment Verification | Confirms employment history asserted by the End User against employer records |
| Education Verification | Confirms education history asserted by the End User against institutional records |
| Professional License Verification | Confirms professional licensure asserted by the End User against licensing records |
| DMV and Motor Vehicle Record Verification | Driving record |
| True Continuous Monitoring™ | A subscription, not a search: each enrolled End User is monitored through a Data Supplier for new criminal, court or other covered records for the subscription period, and Customer receives an alert when a new record is reported. Subject to Section 4.15 of the Customer Agreement and Part 4 below |
| Generated Background Reports | Any compiled report containing one or more of the above |
Authenticating may introduce additional Services during the Term. Each will be classified under the principle above and published in Authenticating's documentation before it is made available. Customer's first request for a newly introduced Service constitutes acceptance of its classification. Services currently planned and their intended classification:
| Planned Service | Intended classification |
|---|---|
| Mobile driver's license (mDL) and verified digital credential (VDC) verification | Identity |
| AAMVA data verification | Identity |
| Real-time US driver's license status check | Identity |
| Age estimation | Identity |
| Device fingerprinting, network and geolocation signals | Identity |
| Custom KBA configurations | Identity |
| International identity data verification | Identity |
| True Continuous Monitoring for drivers | Regulated |
| Consumer credit reports and credit scores, obtained through a consumer reporting agency reseller | Regulated. Available only to Customers that have completed the additional verification in Section 2.2 of the Customer Agreement for the applicable purpose, and subject to the terms of the Data Supplier that furnishes them |
Services are available to Customer at the prices published at authenticate.com/pricing at the time of use, or as otherwise agreed in a written order or amendment signed by both Parties. Published prices may change in accordance with Section 3.1 of the Customer Agreement. Pass-through charges under that Section are billed in addition to the published price. Where a Service is priced per search, each additional jurisdiction, name variant or alias searched is a separate search.
Initial prepayment: $100, unless otherwise agreed in writing. The initial prepayment is non-refundable.
These terms govern Customer's purchase, receipt or use of any credit redeemable for the Services ("Service Credits").
Authenticating may offer the option to prepay for Services through the purchase of credits ("Prepaid Service Credits"), which represent amounts paid in advance for use of the Services.
Authenticating may also offer Service Credits free of charge as part of a promotional program ("Promo Service Credits"). Promo Service Credits will not be applied against any transaction-based taxes.
Service Credits are not legal tender or currency; are not redeemable, refundable or exchangeable for money; have no equivalent value in fiat currency; and do not constitute or confer any personal property right. Service Credits are non-transferable and may be used only in connection with the Services.
All sales of Services, including prepaid Services, are final. Service Credits are non-refundable in all circumstances, including on termination or expiration of the Customer Agreement for any reason, on suspension of Customer's account, and on any change to the Services or their pricing. Prepaid Service Credits expire twelve (12) months after the date of purchase if unused, and Promo Service Credits expire twelve (12) months after issuance. Expired or forfeited Service Credits have no value and will not be reinstated.
Customer's Service Credit balance may be reviewed in Customer's account. Customer is responsible for verifying that the proper amount has been added to or deducted from its balance. The balance is not a bank account, digital wallet, stored value account or other payment device.
Any attempt to transfer, sell, gift or trade Service Credits may result in their revocation and suspension or termination of Customer's account.
Authenticating may modify these Service Credit terms on thirty (30) days' notice posted to Customer's account or sent to the email address associated with it.
True Continuous Monitoring™ is billed per enrolled End User for each subscription period at the price published at authenticate.com/pricing, and may be subject to a minimum enrollment period stated there. Fees for a subscription period are earned when the period begins and are not prorated or refunded.
Each alert delivered is a Consumer Report. Section 4 applies to each alert, including the continuing permissible purpose requirement in Section 4.15 of the Customer Agreement.
Customer will obtain any End User authorization that applicable law requires for ongoing monitoring before enrolling the End User, and will unenroll an End User promptly when Customer's permissible purpose ends or the End User withdraws any authorization on which enrollment depends.
Authenticating may change the Data Supplier through which monitoring is provided under Section 2.5 of the Customer Agreement.
This is the first published version of this document. When it is updated, prior versions will be archived here.