Effective date March 28, 2016 (We've updated these. See the latest version.)
1. What Information Do We Collect?
Information You Provide to Us
When you register for an account with Credit Karma or use our Services, we may ask you to provide us with certain information such as: (1) information that could reasonably be used to identify you personally, such as your name, address, email address, date of birth, Social Security number, driver’s license number or phone number ("Personal Information"); and (2) other information about things like your income, gender or household. Some of the Personal Information we collect when you register, like your Social Security number, is required by the credit bureau to verify your identity so that we can fulfill your request for a free credit score and credit report. We may also collect Personal Information or other information directly from you through various other forms and places throughout the Services, including “Contact Us" forms, or when you otherwise interact with us in order to provide or enhance our Services. We may combine non-personal information with Personal Information, but we will treat the combined information as Personal Information as long as it is combined.
The Services are operated in the United States and intended for users located in the United States.
The Services are not intended for anyone under the age of 18. We do not knowingly collect any Personal Information from children younger than the age of 13. We will delete any Personal Information collected that we determine to be from a user younger than the age 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed Personal Information or other information to us, please contact us at email@example.com via email or write to us at: Credit Karma, Inc. Attention: Legal Department, P.O. Box 520, San Francisco, CA 94104-0520.
Information We Collect As You Access And Use The Services
In addition to any Personal Information or other information that you choose to submit to us, we and our third-party service providers may use a variety of technologies that automatically collect certain information telling us how you access or interact with the Services ("Usage Information"). For an explanation of the technical terms we use below, see our Glossary. The Usage Information we may collect includes:
- Device and browser information. We automatically receive and record information that your browser sends when you are using our Services. This may include information such as your IP address or other Device Identifier, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your Device.
- Log information. When you use our Services, we may use certain technologies and methods for collecting Usage Information about how you interact with our Services. For example, we may collect Usage Information through cookies, Flash cookies, web beacons or embedded scripts.
- Location information. Credit Karma will not collect your specific location information without your consent. However, we may ask your consent to using location-enabled services on your Device so that we can collect, share and process information about your specific location to enhance our Services and offers to you, using things like GPS or Wi-Fi access point information. If at any point you no longer wish to allow us to use location-enabled services on your Device, you may disable this feature through your Device settings. We may also use information like your IP address or other Device Identifiers for approximate location information, like your city or state.
- Information Collected by Mobile Application. Some of our Services may be provided through an application on your mobile, tablet computer, or similar device ("Mobile Application"). Our Mobile Application may collect the same types of information described above, including Personal Information or other information that you provide (e.g. name, age, gender, address), or Usage Information that is automatically collected and stored. We may also collect and use technical data and related information, including but not limited to, preferred language, phone number or other unique Device Identifiers assigned to your mobile device, technical information about your mobile device, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to such Mobile Applications. We may associate your unique Device Identifier or Mobile Application Usage Information with any Personal Information you provide, but we will treat the combined information as Personal Information as long as it is combined.
Information Third Parties Provide About You
Information You Provide About A Third Party
If you choose to use our referral program to tell a friend about our Services, we will ask you for your friend's name and email address. We will send your friend an email inviting him or her to visit the site. Credit Karma stores the information you provide for the sole purpose of sending this email and tracking the success of our referral program. The information you provide will not be used for any other marketing purpose unless your friend signs up for an account or we otherwise obtain consent from that person. Please be aware that when you use any send-to-a-friend functionality through our Services, your name and e-mail address may be included in the communication sent to your friend.
Your friend may contact us at firstname.lastname@example.org to request that we remove this information from our database.
Information Third Parties Collect
2. How Do We Use The Information We Collect?
We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance our user experience. For instance, we may use the information we collect in the following ways:
Free Credit Report, Credit Score, Credit Monitoring and Account Monitoring. When you register for our free credit report and free credit score, we use the Personal Information you provide to verify your identity and provide those services. You also have the option to register for free credit monitoring, account monitoring and other Services. We never share your credit report or credit score with third parties.
Usage Information. We use Usage Information for general purposes: to enhance or otherwise improve the Services, to customize our content and the offers for financial products and services you see, to develop new services, conduct research, and provide anonymous or aggregated reporting internally and to our business partners. We do not store your Personal Information in cookies or log files on your Device, but identifiers in such cookies or log files may be tied to your Personal Information in our systems.
Special Offers and Updates. We use information we collect in providing the Services, including Personal Information, to match you with offers for financial products and services. Generally, we will display these offers when you access our web or mobile Services, but we will occasionally send you information on products, services, special deals, or promotions, by email or other electronic messaging. Out of respect for your privacy, we present the option not to receive these types of email or electronic messaging communications by logging into your account and visiting the "My Profile" page or by following the unsubscribe instructions included in each email.
Service-related Announcements. We will send you service-related announcements. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these non-promotional communications. If you do not wish to receive them, you have the option to terminate your account.
Push Notifications. If you use our Mobile Applications, we may send you push notifications from time-to-time via our Mobile Application in order to provide or alert you to service-related announcements or information on products, services, special deals, or promotions. If you do not wish to receive these types of communications, you may turn them off in your mobile Device settings.
Customer Service. When you first register for the Services, we may send you an introductory email welcoming you to Credit Karma. We may also communicate with you via email or other means in response to your inquiries and to manage your account. As described above in “Information You Provide About A Third Party,” we may also use information you provide about others to send invitation e-mails as part of our referral program.
3. How Is Your Information Shared?
Credit Karma does not share, sell or rent your Personal Information to third parties for any purpose except in the following circumstances:
With Your Consent. We will share your Personal Information with parties outside of Credit Karma when we have your consent. For example, when you register for an account with us, we will ask for your consent to share your Personal Information with a third party credit bureau so that we may obtain a free credit report and free credit score on your behalf.
To request removal of your Personal Information from User Content, contact us at email@example.com. In some cases, we may not be able to remove your Personal Information from such User Content, in which case we will let you know if we are unable to do so and why.
When Third Parties Provide Services on Our Behalf. We may use third party service providers or vendors to support or perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing or operating the Services’ features, tracking the Services’ analytics, providing data used, directly or indirectly, in connection with the Services, marketing the Services, enabling Credit Karma to contact you with offers or performing other administrative services. We may provide these third party service providers or vendors with access to user information, including Personal Information, in connection with the services they are performing for you or for us. In connection with our Services, these third party service providers or vendors may also set and access their own cookies, web beacons and embedded scripts on your Device, and they may otherwise collect or have access to information about you.
For Sweepstakes, Contests and Promotions. We may offer sweepstakes, contests, and other promotions (each a "Promotion") through the Services or through social media or other channels. By participating in a Promotion, you are agreeing to official rules that govern that Promotion, which may contain specific requirements of you, including allowing the sponsor of the Promotion to use your name, voice and/or likeness in advertising or marketing associated with the Promotion.
Administrative and Legal Reasons. See "How Do We Use The Information Collected - Administrative and Legal Reasons".
4. Cookies and Online Tracking
Advertising Service Providers
Disclosure Regarding Google Analytics Advertising Features
In addition to services from other Advertising Service Providers, we utilize the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting and may use other services provided by Google Analytics from time to time. Google provides users an opportunity to opt-out of the Google Analytics Features through Google’s Ads Settings and their web browser opt-out plugin. For additional information on opting out of interest-based ads by Google, visit here.
Do Not Track Signals
5. How Do I Access and Change My Personal Information or Change My Communications Preferences?
Accuracy of Your Personal Information
You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of registration. You can access and make changes to certain Personal Information you submit at any time by logging in with your registered e-mail address and password and making the change on our "Personal Information" page. If you no longer desire to use our Services, you may deactivate your account on our help page by selecting "Canceling my free membership" from the dropdown menu.
You may also visit the "Communications and Monitoring" page to adjust your communications preferences. For example, you can elect not to receive newsletters or alert emails (you can also do this by following the "unsubscribe" instructions included in each email). New categories of marketing communications might be added to the "Communications and Monitoring" page from time to time.
6. Other Important Information About The Services
Security Practices and Social Security Protection Policy Statement
Credit Karma maintains physical, electronic, administrative and procedural safeguards to protect the confidentiality of Personal Information, including Social Security numbers, that we collect about you. We limit access to Social Security numbers to help protect against their loss or misuse and do not disclose Social Security numbers to third parties except where such disclosure is required or permitted by law. For more information on our Security Practices, please visit Our Security Practices.
If you have any questions about security on our Services, you can send an email to us at firstname.lastname@example.org.
Terminating Your Account
Your California Privacy Rights
California’s "Shine the Light" law, California Civil Code § 1798.83, requires certain businesses to respond to requests from California customers (those who have an established business relationship with us) asking about the business’ practices related to disclosing Personal Information to third parties for the third parties’ direct marketing purposes. We do not share customer information with third parties for their direct marketing purposes, and California’s Shine the Light law therefore does not apply to Credit Karma.
For additional information, or if you have questions regarding this policy or privacy practices at Credit Karma, please submit your questions or comments directly to email@example.com via email or write to us at: Credit Karma, Inc. Attention: Legal Department, P.O. Box 520, San Francisco, CA 94104-0520.
Last Updated: March 28, 2016
Glossary of Technical Terms:
The computer or other device you used to access the Services.
An alphanumeric identifier that is automatically assigned to your Device that our computers use to identify your Device.
We may use embedded scripts or similar methods when you access our Services. An embedded script is programming code that collects information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your Device from our server or that of a third party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.
A Flash cookie is a data file placed on a Device via the Adobe Flash plug-in that may be built-in to or downloaded by you to your Device.
Web beacons are small, invisible graphic images or other web programming code we may place on web or mobile pages, or other parts of the Services (also known as "1x1 GIFs" or "clear GIFs"). We may use web beacons or similar technologies for a number of purposes, such as counting users of the Services, monitoring how users navigate the Services, determining whether emails we sent were actually opened or counting views of particular articles or links. In contrast to cookies, which may be stored on your Device’s hard drive, web beacons are embedded invisibly on web pages and are about the size of the period at the end of this sentence.