No system can serve as a substitute for a user’s informed, in-person judgment with regard to customer identity, nor does PASS guaranty any person’s identity or the validity of a user’s transaction with that person. Like all systems, PASS is a compliance tool, and can be used only to assist users in making their own determinations with regard to their customers’ identities. Thus, PASS does NOT serve as a substitute for a user’s judgment with regard to customer identity, nor does it guaranty any person’s identity or the validity of any transaction. ALL such decisions are ultimately, strictly and entirely up to the user.

PASS reports are presented via four (4) graphs, each of which depicts the results of numerous database inquiries pertaining to each of four (4) separate criteria (SS#, Name, Address & Date of Birth). Within each graph, the results for each criterion (SS#, Name, Address & Date of Birth) are divided into three (3) categories: Exact Matches, Partial Matches & No Matches. To create each graph, the underlying results from inquiries made to multiple databases concerning each criterion (SS#, Name, Address & Date of Birth) are averaged and then illustrated. However, due to the massive amount of information contained in each of the many databases PASS consults, as well as the tendency of different people to in input the underlying data in different ways, variations in names, addresses and dates of birth can and often do affect the results.

For example, if you enter the name "John A. Doe," you may find that approximately twice as many database "hits" are reported than if you were to enter "John A. Doe, Jr." Thus, the less specific the information you enter into PASS is, the smaller the percentage of "Exact Match" hits will usually be. As another example, by entering "John A. Doe, Jr.", and an address at "904 N. Oak Street Dallas Texas 75206", data referencing a "John Doe" (at the same address, but without a middle initial or suffix) will often be recorded as a "Partial Match" hit. On the other hand, if, at some time, John A. Doe’s wife "Jane" had lived with "John A. Doe" (or somehow had been associated with the address or social security number given for him), data referencing "Jane Doe" at that address can result in a "No Match" hit with regard to the "John A. Doe" about which you have inquired.

In addition, address mismatches also frequently occur. For example, if "John A. Doe" has a business address at which he sometimes receives mail, then it is possible that this address will be reported as a hit in response to an inquiry. However, it will be reported as a "No Match" hit on the graph, and will therefore reduce the "Match" percentages due to it being different from the home address at "904 N. Oak Street".

If a report yields low "Exact Match" or "Partial Match" percentages and a high "No Match" percentage, Patriot Act Services recommends that you examine the totality of the data available from the PASS report, together with ALL other information available to you, and consult your attorney or call us for further assistance. On th