Welcome to the Credits Cards Online community! We’re excited to provide all sorts of free tools and insight to help you better understand your credit and feel more empowered by your finances.
When you use Credits Cards online, you enter into a legal agreement, which is what you see below. While we’ve tried to make this agreement as clear as possible, it still contains a fair bit of legalese, out of necessity. To help you navigate this legalese, we’ve included a few extra notes alongside the actual terms of the agreement, which we’ve highlighted and labeled as “Summaries”. These Summaries are not a part of the agreement itself; they are only included to help you understand it. We’ve also bolded a few areas that talk about important legal rights, including the following:
These Terms of Service include an agreement to resolve any disputes through binding arbitration that includes a class action waiver, as well as important disclaimers, warranties and limitations on liability.
We’re always happy to hear from you if you have any questions or suggestions. You can contact us here or by U.S. mail at Credits Cards Online, Inc., P.O. Box 520, San Francisco, CA 94104-0520, Attention: Legal Department. Now for the legal stuff:
Our Terms of Service
- Our Services
- Your Credit Karma Account
- Limitations and Restrictions on Use of Our Services
- Ownership and Infringement
- Contributing to Our Community
- Monitoring of Our Services and Disclosure for Administrative and Legal Reason
1. Our Services
When we refer to our “Services,” we mean all products and services owned and operated by Credits Cards online, Inc. or any of its affiliated companies (collectively, “Credits Cards Online,” “we,” or “us”), including the content, features, tools, data, software and functions made available by Credits Cards Online through www.creditscardsonline.com, our mobile applications, and other websites or applications we operate, unless those websites or applications have posted separate or additional terms of service. As of the effective date of these terms, our Services include the following key features:
- Free Credit Everything. We provide you with free credit reports and scores from two major credit bureaus, along with free credit monitoring, ID monitoring, and an unclaimed property feature, among other things.
- Access to Financial Product Offers. If you’re looking for a new financial product, you can check out offers from our partners that are targeted to your individual financial situation, along with tools that help you make a more informed decision, like pre-qualification, Approval Odds or loan calculators.
- Insights and Education. We love crunching numbers and we use our analysis and experience to provide you with all sorts of content and context about the ins and outs of your financial health—from educational articles to insights about your Credit Factors.
- Community Advice and Reviews. We invite you to share your knowledge and learn from the wisdom of others in the Credits Cards online community.
We provide you with a free platform that includes helpful insights, education, offers and all sorts of products and services to help you understand and manage your financial health.
We reserve the right in our sole and absolute discretion to make changes to how we operate and provide our Services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of our Services. Some of our Services are subject to additional terms and conditions (“Additional Terms”), which are posted separately from these terms but are incorporated and form a part of the Agreement if you decide to use or access those features. If there is a conflict between applicable Additional Terms and these terms, the Additional Terms will control.
Credit Cards Online tools and services are constantly changing, so you might see features come and go as we continue to improve our experience and services for members. We will sometimes need you to agree to special terms for certain products or features.
2. Your Credits Cards Online Account
2.1 General Requirements
You will need to register for a Credits Cards Online member account to access many aspects of our Services, like your free credit scores, credit reports, credit monitoring, ID monitoring, and personalized offers for products and services from our partners. Registering for a member account is optional, but if you do not register for an account, you will not be able to access certain aspects of our Services.
By registering for a Credits Cards online member account, you certify that:
- You are 18 years of age or older
- You have a valid U.S. Social Security number
- Any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete
- You are only registering an account for yourself
- You will keep all information up-to-date
You must not sell, transfer, or assign your account to anyone else. You must keep your password confidential, you must not share it and you may not allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account. If you believe that your account is no longer secure, notify us.
Our most helpful features require you to register as a Credits Cards online member (it helps us personalize your experience). If you decide to register, you’re pinky swearing that you’re a U.S. adult, you are who you say you are and you won’t let anyone else use your account.
2.2 Specific Registration Consents
When you register for an account, you’re asking us to create your member profile and access your free credit scores and reports, and other information so we can provide our tools and services, and offer recommendations.
3. Limitations and Restrictions on Use of Our Services
3.1 Analysis and Estimates
Any analysis and estimates we provide as part of our Services are for illustrative and informational purposes only. Our analysis and estimates are based on certain assumptions and use only the data we have. Our analysis and estimates are neither endorsed by, nor commissioned by, any of our partners. The methodology we use to determine which offers, analysis, or other information is presented or highlighted is proprietary and we may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole and absolute discretion.
When it comes to your financial health, we want to be like a river guide who helps you navigate the financial waters. We’ll show you stuff you may find helpful, but it’s up to you to make the final decision about what’s in your financial interest.
3.2 Third Party Offers
With respect to offers from our partners, we do not guarantee that you will be presented with offers for any particular types of products or services or that you will meet the approval criteria for any particular offer. It is always your choice whether to apply for a product or service offered by our partners and we will never submit an application for a product or service to a partner on your behalf without your consent.
3.3 Educational Purposes
All information on our Services is presented for educational purposes only. We do not guarantee that the information we present as part of our Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service or for employment.
The credit scores that lenders and others use may be different than the one you see here. That’s because there are hundreds of scoring models out there, and they all weigh things a little differently. Most scores are generally based on similar credit factors though, so tracking one or two should still give you a good overview of your credit health.
3.4 Not a Legal or Professional Advisor
Credit Cards Online is not a credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law. Use of our Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating.
We aim to be as helpful as we can, but we’re not your professional financial or legal advisor. If you need professional assistance with your finances, please go to a professional that can help with your specific situation.
3.5 Territorial Restrictions
We control and operate our Services from the United States and we make no representations or warranties that the information, products, or services provided through our Services, or our Content (defined below), are appropriate for access or use in other jurisdictions. You are not permitted to access or use our Services in any jurisdiction or country if it would be contrary to the law or regulation of that jurisdiction or if it would subject us to the laws of, or any registration requirement with, such jurisdiction. We reserve the right to limit the availability of our Services or the provision of any of our Content to any person, geographic area, or jurisdiction, at any time and in our sole.
3.6 Compliance with Law
You must comply with all applicable laws when using our Services. You are not permitted to use our Services to obtain any consumer credit report, score or other consumer information under false pretenses or in violation of the Fair Credit Reporting Act or applicable state or federal law.
You agree you won’t use our services to do anything illegal.
3.7 Links to or Connections with Third Party Sites or Applications
Our Services or communications to you may contain third party content or links to third party sites, applications or services (collectively, “Third Party Content”). Our Services may also include features that allow you to connect your Credit Karma account with accounts or services provided by third parties, such as accounts you maintain with financial institutions or social media platforms like Facebook (collectively, “Third Party Services”). We do not control, maintain, or endorse the Third Party Content or Third Party Services, and we are not responsible or liable for any Third Party Content or Third Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or Third Party Services. Your interactions and business dealings with the providers of the Third Party Content or Third Party Services, including products or services offered by such third parties, are solely between you and the third party. You should review all of the relevant terms and conditions associated with Third Party Content or Third Party Services, including any privacy policies and terms of service. We are not responsible for any information that you agree to share with third parties in connection with Third Party Content or Third Party Services.
We might show you stuff from other companies or even connect you with them, but we’re not legally responsible for anything they do. You should review their terms and policies separate.
4. Ownership and Infringement
4.1 Our Content
All content and materials, including but not limited to images, text, visual interfaces, information, data, and computer code, provided by us through our Services (our “Content”) and all related intellectual property rights are the property of Credits Cards Online and/or its third-party licensors. Our Content is protected by U.S. and international intellectual property laws and treaties. You are permitted to use our Content only on our Services and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent. You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services. Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to use our Content except as expressly stated in the Agreement.
We’ve created a lot of cool stuff for you to use, read, and look at. Please don’t reuse it without our written permission.
4.2 Our Partners’ Intellectual Property
Our Services may also display certain intellectual property, such as company, product, and service name and logos, that is owned by our partners (our “Partners’ Intellectual Property”). Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from or transmit in any form (including in-line linking or mirroring) any of our Partners’ Intellectual Property.
You also can’t reuse our partners’ stuff.
4.3 Infringement of Rights
You may not use our Services in any manner that infringes the rights of any third party. If you believe, in good faith, that any of our Content or Community Content infringes your copyrights, you may send a notice of infringement (“Notice”) under the federal Digital Millennium Copyright Act (“DMCA”) by email or regular mail to:Attention: Copyright Agent, Legal Department
Credits Cards Online, Inc.
P.O. Box 520
San Francisco, CA 94104-0517
Credits Cards Online reserves the right to block or otherwise prohibit in our sole discretion any individual who repeatedly posts materials that are alleged to infringe the intellectual property rights of others.
If you think something on our platform belongs to you, let us know (we’ve outlined the steps above). And if you’re posting other people’s stuff, we can block your access. So don’t do it!
5. Contributing to Our Community
5.1 Our Community Rules
We encourage you to use our Services to interact with other consumers and Credit Karma members. We may provide you and others with the opportunity on our Services (through forums, blogs, message boards, review pages, and similar features) to submit, post, and publish certain content and materials, including messages, reviews, photos, video, images, data, and text (“Community Content”). You must abide by the Our Community Rules when publishing, uploading, or submitting your Community Content.
We provide some pretty awesome community features to help you share content and materials with other users, but we have some rules to try to keep it polite and helpful for everyone. No trolls!
5.2 License to Your Community Content
By submitting, posting, or publishing your Community Content on or through our Services, you grant to Credits Cards Online a non-exclusive, unrestricted, perpetual, irrevocable, transferable, sub-licenseable, royalty-free license to publish, host, store, transfer, distribute, modify, create derivative and collective works from, reproduce, display, perform, transmit, process, or otherwise use, in any manner and for any purpose, and in all forms or distribution methods now known or later developed, your Community Content, in whole or in part, to provide, optimize, improve, and promote or market our Services, and to create new products and services. This license includes the right to use your name, persona, user name, and likeness without compensating you. This license also includes the right to publish your Community Content in a searchable format that may be accessed by other users of our Services. You also grant to other users of our Services a non-exclusive license to access and use your Community Content in connection with our Services.
You’re giving us permission to use the stuff you post on our platform, like reviews and community advice. Thanks!
5.3. Responsibility for Community Content
You are solely responsible for the Community Content that you submit, post, or publish via our Services. By submitting, posting, or publishing Community Content, you represent and warrant that (a) you are the creator and owner of the Community Content, or have the necessary licenses, rights, consents, and permissions to authorize us and other users to use your Community Content , and (b) your Community Content complies with our Community Rules.
We don’t take responsibility for Community Content that you or other users provide (we think it’ll be great, but we just can’t know for sure).
5.4 License to Use Your Feedback
We want to create a great experience for you, so please let us know what you think we could do better. We just need your permission to use your feedback when you give it to us!
6. Monitoring of Our Services and Disclosure for Administrative and Legal Reasons