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        <ExplanationTxt>11.04 IRS Annual Information Returns (Form 990) The Corporation shall submit the Form 990 to its Board of Directors prior to the filing of the Form 990. While neither the approval of the Form 990 or a review of the 990 is required under federal law, the corporation's Form 990 shall be submi ed to each member of the Board of Director's via hard copy or email at least ten (10) days before the Form 990 is filed with the IRS.</ExplanationTxt>
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        <ExplanationTxt>The purpose of the conflict of interest policy is to protect the interest of cFactual, Inc., hereinafter referred to as the Organization," when it is contemplating entering into a transaction or arrangement that might benefit the private interest of an officer or director of the Organization or might result in a possible excess benefit transaction. This policy is intended to supplement but not replace any applicable state and federal laws governing conflict of interest applicable to nonprofit and charitable organizations</ExplanationTxt>
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