Updated November 6, 2014 (We’ve updated these. See the latest version.)
WELCOME TO CREDIT KARMA!
BY ACCESSING AND USING OUR PRODUCTS AND SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO BE BOUND BY ALL OF THESE TERMS, PLEASE EXIT THE SITES, MOBILE APPLICATIONS OR OTHER SERVICES IMMEDIATELY AND DO NOT USE THEM IN ANY WAY.
Hi there! We appreciate your use of our applications, products and services (collectively, the “Services”). The Services are provided by Credit Karma, Inc., a Delaware corporation (“Credit Karma,” “CreditKarma.com,” “we,” “us” or “our”).
Some of our Services are subject to additional terms and conditions (“Additional Terms”). For example, we may offer sweepstakes, contests or other promotions through the Services or through our representatives, which may be governed by separate rules, restrictions and eligibility requirements. You should read those Additional Terms carefully as well. If there is a conflict between the relevant Additional Terms and these terms, the Additional Terms will control.
We may modify these terms or any Additional Terms that apply to a particular Service at any time. Any changes will be effective upon posting. We will post notice on this page of modifications that we make to these terms. By continuing to use the Services following any modification to these terms, you agree to the terms as modified.
We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether, and we may terminate, suspend, change, or restrict access to all or any part of the Services, in each case without notice or liability.
Registering for an account with us by providing the information requested in our registration process will give you access to your free credit score, free credit report, credit monitoring, account monitoring, analysis of related information and offers for products and services from our marketing partners, and any additional features we may develop for registered accountholders. Registering for an account is optional, but if you elect not to register for an account, you will not be able to access certain features of the Services.
You may only register for an account if you are eighteen or older and have a valid U.S. Social Security Number. By registering, you certify that you meet these criteria.
All information you provide to us about yourself and your third party financial accounts must be true, accurate, current and complete information. You are required to keep all information up to date and accurate. You may not register an account for anyone but yourself. You agree not to misrepresent your identity, your personal information or your third party account information.
By registering for an account or using the Services, you accept all responsibility for maintaining the confidentiality of your password, controlling and limiting access to your account, and for all activities that occur under your account or password. You may not sell, transfer or assign your account.
We may suspend or terminate your account or your use of the Services or otherwise deny you access to the Services at any time and for any reason, including, without limitation, if we suspect that information you have provided is untrue, inaccurate, not current, or incomplete, without notice. You agree that we will not be liable to you or any third party if we suspend or terminate your access to any Services for any reason. We retain sole ownership over your Credit Karma account information.
Consents You Grant by Registering and Using the Services
When you register for an account with us, you are providing to us the following specific consents:
I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Credit Karma to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Credit Karma account.
I further understand that I am authorizing Credit Karma to retain a copy of all such information received, including the information I am submitting through this registration form or that I provide to Credit Karma from time to time, either directly or indirectly (collectively, the “Member Profile”), and to use that Member Profile to match me with product and services offers from Credit Karma’s marketing partners.
Offers From Marketing Partners
The technology we use to provide you with offers for financial products and services is proprietary and, in finding those offers for you, we may elect to consider, ignore, emphasize, or de-emphasize relevant factors in our sole discretion. 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.
We may use information from your Member Profile and data we have on available offers for financial products or services to estimate how you might save money through one of the financial products or services available through our Services. Any estimate we provide you of possible savings and other information is for illustration purposes only. Our estimates are based on certain assumptions and use only the data we have, and are neither endorsed by, nor commissioned by, any of our marketing partners. We do not warrant or guarantee the accuracy, adequacy, timeliness, reliability, completeness or usefulness of any estimates we provide, and we disclaim all liability for any errors or omissions in any such estimates.
Receiving Your Credit Report
In addition to the free credit report you receive by registering for Credit Karma and the other Services Credit Karma provides, you are entitled by law to receive one free credit report from each of the national credit reporting agencies (Experian, Equifax, and TransUnion) during any twelve-month period. For more information on obtaining your free annual credit report from the national credit reporting agencies, visit AnnualCreditReport.com or the Consumer Financial Protection Bureau.
User Content and Use of User Forums
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, through forums, blogs, message boards, review pages or other communication functionality to submit to us certain content and materials (“User Content”) for display, distribution or publication on the Services. By using the Services, you agree to the User Content Rules.
By submitting, posting or displaying User Content on or through the Services, you grant to Credit Karma a non-exclusive, transferable, unlimited, worldwide, irrevocable, sub-licensable and royalty-free license to publish, host, copy, distribute, modify, create derivative works from, reproduce, display, perform, transmit, process or otherwise use in any manner whatsoever and in all formats or distribution methods now known or developed hereafter, all or any portion of your User Content for the purposes of providing, optimizing, improving and promoting our Services. You agree this license includes the right to use your name, persona and likeness included in any User Content in connection with delivering the Services, without any obligation or compensation to you. You further agree this license includes the right for Credit Karma to publish your User Content in a searchable format that may be accessed by other users of the Services.
We hold or license all necessary intellectual property rights pertaining to the content and materials used in the Services (the “Content”), including, without limitation, the copyright to all Content and the trademarks or service marks to company, product, and service names and logos used and displayed on the Services, including, without limitation, Credit Karma (including the Credit Karma logo), CreditKarma.com, and all related logos (all such trademarks or service marks, the “Credit Karma Trademarks”). The Content and Credit Karma Trademarks are protected by U.S. and International intellectual property laws and treaties. You are permitted to use the Content only on the Services and you may not copy, reproduce, distribute, republish, display, post or transmit in any form (including, without limitation, linking to or mirroring) the Content or Credit Karma Trademarks without our express prior written consent. The Content and the Credit Karma Trademarks are and will remain the property of Credit Karma or its licensors. You may not modify, sell, transfer or create derivative works based on any Content or Credit Karma Trademarks, in whole or in part. You may not reverse engineer or reverse compile any of our Services or the Services’ technologies.
The Services may also display company, product, and service name and logos that are trademarks or service marks owned by our business or marketing partners (“Partner Trademarks”). Nothing in the Services grants you, by implication, estoppel, or otherwise, any license or right to use copy, display, distribute, modify, or reproduce any of the Credit Karma Trademarks or Partner Trademarks.
You may not use the Services in any manner that infringes the rights of any third party. If you believe, in good faith, that any Content or User Content infringes your copyrights, notice of claimed copyright infringement should be sent to our legal department at email@example.com or by regular mail at Credit Karma, Inc., P.O. Box 520, San Francisco, CA 94104-0520, Attention: Legal Department. In connection with any such claim, we may request additional information before we remove any infringing material.
Location of Services and Territorial Restrictions
You are not permitted to access or use the Services in any jurisdiction or country where such access or use would be contrary to the law or regulation of that jurisdiction or which would subject us to the laws of, or any registration requirement with, such jurisdiction. We control and operate the Services from the United States and we make no representations or warranties that the information, products or services provided through the Services, or the Content, are appropriate for access or use in other jurisdictions.
We reserve the right to limit the availability of the Services or the provision of any Content to any person, geographic area, or jurisdiction, at any time and in our sole discretion.
Limitations of Use and Notice of Prosecution
Your use of the Services must comply with all applicable law. Unauthorized use of the Services, including but not limited to, unauthorized entry into Credit Karma’s systems, misuse of passwords, or misuse of any information available through the Services, is strictly prohibited. Any person attempting to access any of the Services without authorization may be subject to prosecution.
Further, any person who obtains a consumer credit report or score or other consumer credit information under false pretenses or otherwise in violation of the Fair Credit Reporting Act or any applicable state or federal law may be subject to civil action or criminal prosecution.
Links to Third Party Sites or Applications
There may be links within the Services, or communications you receive through the Services, to third party sites or applications or our Services may include third party content that we do not control, maintain or endorse (all such sites or applications and third party content, collectively “Third Party Content”). You expressly acknowledge and agree that we are in no way responsible or liable for any Third Party Content, including, without limitation, any damages, losses, failures or problems caused by, related to or arising from such Third Party Content. Your correspondence and business dealings with third parties, including with respect to the financial products or services offered by such third parties, and any terms, conditions, policies, representations or warranties associated with such business dealings, are solely between you and the third party. You should review all of the relevant terms, conditions, policies, representations or warranties associated with such Third Party Content, including any privacy policies and terms of service that may be on a third party site or application that you visit or use. We disclaim any harm, including, without limitation, harm related to your personal information, that may arise out of or relate to your access to or use of Third Party Content, including Third Party Content that is available on or through our Services.
Updates to Downloadable Items
Warranties and Disclaimers
USE OF THE SERVICES, THE CONTENT AND ANY MATERIALS OBTAINED THROUGH YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. CREDIT KARMA MAY DISCONTINUE OR MAKE CHANGES IN THE SERVICES OR THE CONTENT AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU OR ANY THIRD PARTY. NONE OF CREDIT KARMA OR ANY OF OUR AFFILIATES, REPRESENTATIVES, AGENTS, OR SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, SHAREHOLDERS, EMPLOYEES, AGENTS, VENDORS, INDEPENDENT CONTRACTORS, LICENSORS OR REPRESENTATIVES (COLLECTIVELY, THE “CREDIT KARMA PARTIES”) UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY CONTENT OR OTHER INFORMATION PUBLISHED THROUGH THE SERVICES.
WE PROVIDE THE SERVICES AND CONTENT “AS IS,” “AS AVAILABLE” AND “WITH ALL FAULTS,” AND NEITHER WE NOR THE CREDIT KARMA PARTIES MAKE ANY WARRANTIES ABOUT THE RELIABILITY, ACCURACY OR USEFULNESS OF THE CONTENT OR THE SERVICES, USER CONTENT, OR SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TRANSMITTED TO OR FROM CREDIT KARMA OR VIA THE SERVICES. THE CREDIT KARMA PARTIES FURTHER MAKE NO REPRESENTATIONS, WARRANTIES OR ENDORSEMENTS THAT: (i) THE SERVICES WILL MEET YOUR REQUIREMENTS; (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (iii) THE QUALITY OF ANY OF THE CONTENT, THE SERVICES, THE INFORMATION OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS; OR (iv) ANY ERRORS IN TECHNOLOGY WILL BE CORRECTED.
FURTHER, THE CREDIT KARMA PARTIES DISCLAIM ALL OTHER WARRANTIES RELATING TO THE SERVICES OR THE CONTENT, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT SUCH WARRANTIES ARE REQUIRED BY APPLICABLE LAW.
YOU ACKNOWLEDGE THAT CREDIT KARMA IS SOLELY AN INTERMEDIARY BETWEEN (I) YOU AND THE NATIONAL CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS ACTUALLY FURNISHING YOUR CREDIT REPORTS, CREDIT SCORES AND OTHER INFORMATION, AND (II) YOU AND OUR MARKETING PARTNERS FOR WHOM WE DISPLAY OFFERS FOR FINANCIAL PRODUCTS AND SERVICES. YOU ALSO ACKNOWLEDGE THAT, THE ANALYSES AND TOOLS AVAILABLE THROUGH THE SERVICES, INCLUDING, WITHOUT LIMITATION, SAVINGS ESTIMATES AND APPROVAL ODDS, ARE BASED ON ASSUMPTIONS AND SUBJECT TO THE LIMITATIONS DISCLOSED WITH RESPECT TO EACH SUCH ANALYSIS OR TOOL. THE CREDIT KARMA PARTIES EXPRESSLY DISCLAIM ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OR THE SERVICES, INCLUDING, WITHOUT LIMITATION, THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT REPORTS, CREDIT SCORES, ANALYSIS OF RELATED INFORMATION, SAVINGS ESTIMATES, APPROVAL ODDS, OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH THE SERVICES OR THE CONTENT; THE AVAILABILITY OR LEGALITY OF ANY OF THE OFFERS FROM OUR MARKETING PARTNERS; OR ANY TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE CREDIT KARMA PARTIES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Limitation of Liability
UNDER NO CIRCUMSTANCES WILL THE CREDIT KARMA PARTIES BE LIABLE FOR ANY LOSS OR DAMAGES INCLUDING, WITHOUT LIMITATION, GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF THE CREDIT KARMA PARTIES, OR REPRESENTATIVES THEREOF, ARE OR WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES, ARISING OUT OF OR RELATING IN ANY WAY TO: (A) ANY PARTY’S USE OR INABILITY TO USE THE SERVICES, THE CONTENT, OR ANY THIRD-PARTY SITE TO WHICH THE SERVICES OR CONTENT LINK; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; (C) THE COST OF GETTING SUBSTITUTE GOODS OR SERVICES; (D) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICES; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (F) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICES; (G) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY SITE; OR (H) ANY OTHER MATTER ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES, THE CONTENT OR USER CONTENT. THE CREDIT KARMA PARTIES ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER.
YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES OR THE CONTENT IS TO DISCONTINUE USING THE SERVICES OR ACCESSING THE CONTENT AND, IF YOU HAVE REGISTERED FOR ANY SERVICES THAT REQUIRE REGISTRATION, TO TERMINATE YOUR ACCOUNT.
IN NO EVENT WILL THE CREDIT KARMA PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER EXCEED TEN UNITED STATES DOLLARS ($10.00 USD).
WAIVER OF UNKNOWN CLAIMS. BY ACCESSING THE SERVICES, YOU UNDERSTAND THAT YOU MAY BE WAIVING RIGHTS WITH RESPECT TO CLAIMS THAT ARE AT THIS TIME UNKNOWN OR UNSUSPECTED, AND IN ACCORDANCE WITH SUCH WAIVER, YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND, AND HEREBY EXPRESSLY WAIVE, THE BENEFITS OF SECTION 1542 OF THE CIVIL CODE OF CALIFORNIA, WHICH PROVIDES AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR,” AND, TO THE EXTENT APPLICABLE, CORRESPONDING RIGHTS UNDER ANY SIMILAR LAW OF ANY STATE,
IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE CREDIT KARMA PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
Monitoring of the Services and Disclosure for Administrative and Legal Reasons
Credit Karma has the right, but not the obligation, to monitor the Services electronically. We may access, use, preserve, transfer and disclose any information (including Personal Information) to: (i) satisfy any applicable law, regulation, subpoenas, governmental requests or legal process if in our good faith opinion such action is required or permitted by law; (ii) enforce these terms, including investigation of potential violations thereof; (iii) protect the safety, rights, property or security of our Services or equipment or any third party; or (iv) detect, prevent or otherwise address fraud, security or technical issues. Any such access, use, preservation, transfer or disclosure may be carried out without notice to you at any time.
Governing Law and Dispute Resolution
The laws of the State of California, excluding the conflicts of law provisions thereof, will apply to any disputes arising out of or in any way related to these terms or the Services. All claims arising out of or in any way related to these terms or the Services will be litigated exclusively in a federal or state court of competent jurisdiction in San Francisco County, California, and you and Credit Karma submit to personal jurisdiction in those courts.
NO CLASS ACTIONS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION YOU MAKE AGAINST CREDIT KARMA OR THE CREDIT KARMA PARTIES ARISING OUT OF, IN CONNECTION WITH OR IN ANY WAY RELATED TO THE SERVICES WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION.
These terms, as may be amended from time to time, are effective until your account, if applicable, is deactivated by either you or Credit Karma and you discontinue your use of the Services.
If you want to deactivate your account, you may do so online.
Any section of the terms that by its nature is intended to survive termination of this Agreement or your use or access to the Services or the Content shall survive such termination.
You agree to defend (if requested by the Credit Karma Parties), indemnify and hold harmless the Credit Karma Parties from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by the Credit Karma Parties in connection with any claim by a third party arising out of or in any way related to: (A) your use of the Services or the Content; (B) your violation or alleged violation of the terms, including, without limitation, your violation or alleged violation of any applicable law; or (C) your infringement or alleged infringement of any intellectual property or other right of any other person or entity. You shall not in any event settle any such claim or matter without the prior written consent of Credit Karma. The Credit Karma Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.
If you have questions regarding the terms or the practices of Credit Karma, please contact us by e-mail at firstname.lastname@example.org or by regular mail at Credit Karma, Inc., P.O. Box 520, San Francisco, CA 94104-0520, Attention: Legal Department.
Last Updated: November 6, 2014