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Credit Karma
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ABOUT CREDIT KARMA
* About
* Press Room
* Our Security Practices
* Our Partners
* Careers at Credit Karma
* Privacy Policy
* CA Privacy Policy
* Terms of Service
* User Content Rules
* Check Your Rate Platform Terms for Loans
* Pre-Qualification Platform Terms for Credit Cards
* Electronic Communications Consent
* Mortgage Broker Licenses
* Loan Broker Licenses
* Life Insurance Lines of Authority
* Contact Us
* Credit Karma Help Center:
Need help? Visit: support.creditkarma.com
TERMS OF SERVICE
Effective date: May 21, 2021
Welcome to the Credit Karma community, part of the Intuit, Inc. family of
companies! We’re excited to provide all sorts of free tools and insight to help
you better understand your credit and feel more empowered to make financial
progress.
When you use Credit Karma, 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 Credit Karma, LLC, P.O. Box 30963,
Oakland, CA 94604, Attention: Legal Department. Now for the legal stuff:
OUR TERMS OF SERVICE
By accessing and using our Services (defined below), you are agreeing to these
Terms of Service, our Privacy Statement, any applicable Additional Terms
(defined below), and our Community Rules (collectively referred to as the
“Agreement”). It is important to read our entire Agreement carefully as some of
the provisions affect your legal rights.
1. 1. 1. Our Services
2. Your Credit Karma Account
3. Limitations and Restrictions on Use of Our Services
4. Ownership and Infringement
5. Contributing to Our Community
6. Monitoring of Our Services and Disclosure for Administrative and
Legal Reasons
7. Disclaimers
8. Limitation of Liability
9. Indemnification
10. Dispute Resolution and Arbitration
11. Deactivation and Termination
12. Miscellaneous
1. OUR SERVICES
When we refer to our “Services,” we mean all products and services owned
and operated by Credit Karma, LLC or any of its subsidiary companies
(collectively, “Credit Karma,” “we,” or “us”), including the content,
features, tools, data, software and functions made available by Credit
Karma through www.creditkarma.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 one or more of the 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 Credit Karma community.
SUMMARY
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 may be 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.
SUMMARY
Credit Karma’s 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.
Return to the table of contents
2. YOUR CREDIT KARMA ACCOUNT
2.1 GENERAL REQUIREMENTS
You will need to register for a Credit Karma 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 Credit Karma 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 will create a unique password to create and access your Credit
Karma account that is unique to Credit Karma and not re-used across
other, unaffiliated services
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 immediately
by clicking here.
SUMMARY
Our most helpful features require you to register as a Credit Karma
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 as a member, you authorize us to create and maintain an
account in your name using your account registration information and
other information that may be collected about you in accordance with our
Privacy Statement as part of providing our Services (collectively, such
information is your “Intuit Account.”). When registering, you authorize
your wireless carrier to share your account device information with our
third-party service provider, only to verify your identify and prevent
fraud. By registering, you also specifically consent to let us request
and receive your consumer report data and other data about you from third
parties to include in your Intuit Account as follows:
I understand that I am providing written instructions in accordance with
the Fair Credit Reporting Act and other applicable law for Credit Karma
or its affiliated companies to request and receive copies of consumer
reports, scores and other information about me from third parties,
including, but not limited to, TransUnion and Equifax. I understand that
my instructions let Credit Karma and affiliated companies obtain such
information at any time for as long as I have a registered Credit Karma
account to use as described in the Terms of Service and Privacy
Statement.
SUMMARY
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.
Return to the table of contents
3. LIMITATIONS AND RESTRICTIONS ON USE OF OUR SERVICES
3.1 ANALYSIS AND ESTIMATES
As described in our Privacy Statement, we may use your credit report,
credit score, and other information we obtain to analyze, sort, and
present certain information or features to you.
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.
SUMMARY
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.
SUMMARY
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 Karma 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.
SUMMARY
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 and absolute
discretion.
SUMMARY
We’re based in the U.S. and our services are meant for a U.S. audience
only. Visiting from Canada or the United Kingdom? Check out
www.creditkarma.ca (for Canada) and www.creditkarma.co.uk (for the U.K.).
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.
SUMMARY
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.
SUMMARY
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 separately.
Return to the table of contents
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 Credit Karma 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.
SUMMARY
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.
SUMMARY
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
Credit Karma, LLC
P.O. Box 30963
Oakland, CA 94604
DMCA@creditkarma.com
To find out more about what you must include in the Notice and about the
procedures we will follow, click here to read the DMCA.
Credit Karma 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.
SUMMARY
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!
Return to the table of contents
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.
SUMMARY
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 Credit Karma 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, username, 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.
SUMMARY
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 do not endorse, represent, or guarantee the completeness, accuracy,
reliability, or usefulness of any Community Content. You may see
Community Content that may be inaccurate, offensive, indecent, or
objectionable. Credit Karma may, but is not obligated to, review,
monitor, edit, control, distribute, refuse to distribute, block access,
re-format, alter, delete, or remove Community Content for any reason,
including to satisfy applicable law, enforce the Agreement (including our
Community Rules), or protect the rights, property or safety of Credit
Karma, Credit Karma users, or any third party, in each case without
notice and in our sole and absolute discretion. We disclaim all liability
for Community Content and you hereby waive any legal or equitable right
or remedy you have against us with respect the Community Content. For
additional details on our use of Community Content, please review our
Privacy Statement.
SUMMARY
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
In addition to sharing your Community Content with the Credit Karma
community, we also encourage you to tell us how we can improve your
Credit Karma experience. We may provide you with opportunities to send us
comments, suggestions and other feedback regarding problems with, or
proposed modifications or improvements to, our Services (“Feedback”)
through email, social media, feedback forms, surveys, our Help Center, or
other channels. By submitting, posting, or otherwise providing us your
Feedback, you hereby grant us a non-exclusive unrestricted, perpetual,
irrevocable, transferable, sub-licenseable, royalty-free license to use
your Feedback in any manner and for any purpose to provide, optimize,
improve, 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 for the foregoing purposes without compensating you,
all in accordance with our Privacy Statement.
SUMMARY
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!
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6. MONITORING OF OUR SERVICES AND DISCLOSURE FOR ADMINISTRATIVE AND LEGAL
REASONS
Credit Karma has the right, but not the obligation, to monitor our
Services electronically. We may access, use, preserve, transfer or
disclose, at any time and without notice to you, any information
(including Personal Information as defined in our Privacy Statement) as
reasonably necessary to: (1) comply with any applicable law, regulation,
subpoena, or legal process, or respond to any governmental request or
cooperate with law enforcement, if we believe such action is required or
permitted by law; (2) enforce this Agreement, including to investigate
potential violations; (3) protect the safety, integrity, rights, or
security of our members, our Services or equipment, or any third party;
or (4) detect, prevent, or otherwise address fraud, security, or
technical issues related to our Services or the services of our partners.
SUMMARY
We’re not Big Brother, but we need to be able to keep an eye on things to
protect ourselves, our members and the public.
Return to the table of contents
7. DISCLAIMERS
WE PROVIDE OUR SERVICES, OUR CONTENT, AND ALL CONTENT AND MATERIALS
AVAILABLE THROUGH OUR SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT ANY
WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. CREDIT KARMA, ON
BEHALF OF ITSELF, ITS AFFILIATES AND ITS LICENSORS, DISCLAIMS ALL
WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO OUR
SERVICES, OUR CONTENT, OR THE COMMUNITY CONTENT, INCLUDING THE IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET
ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY
WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM
OUR SERVICES, OUR CONTENT, THE COMMUNITY CONTENT, OR OTHERWISE AVAILABLE
THROUGH OUR SERVICES WILL CREATE ANY WARRANTY REGARDING CREDIT KARMA OR
ANY OF OUR SERVICES THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU USE
OUR SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN OUR CONTENT,
THE COMMUNITY CONTENT, OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES,
AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT
MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICES, YOUR DEALINGS WITH
ANY OTHER MEMBER OR THIRD PARTY, AND YOUR USE OF OUR CONTENT, THE
COMMUNITY CONTENT, OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. YOU
ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY
COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH OUR SERVICES),
OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF OUR SERVICES OR THE
USE OF ANY OF OUR CONTENT, THE COMMUNITY CONTENT OR OTHER CONTENT
AVAILABLE THROUGH OUR SERVICES.
YOU ACKNOWLEDGE THAT CREDIT KARMA IS SOLELY AN INTERMEDIARY (I) BETWEEN
YOU AND ANY CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS
ACTUALLY SUPPLYING YOUR CREDIT REPORTS, CREDIT SCORES AND OTHER
INFORMATION; AND (II) BETWEEN YOU AND OUR PARTNERS WHOSE OFFERS WE
PRESENT. CREDIT KARMA EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR
OMISSIONS IN OUR CONTENT OR OUR SERVICES, INCLUDING THE INACCURACY OR
INCOMPLETENESS OF ANY SUCH CREDIT REPORTS, CREDIT SCORES, OFFERS OR OTHER
INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH OUR SERVICES OR OUR
CONTENT.
NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT
WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER
APPLICABLE LAW.
SUMMARY
This is very important (like, bold and ALL-CAPS important) so please read
this whole section carefully for specifics. It explains that we don’t
make any warranties about our services or content (including any tips you
might pick up).
Return to the table of contents
8. LIMITATION OF LIABILITY
CREDIT KARMA AND ITS REPRESENTATIVES, AGENTS, AND ANY OF THEIR RESPECTIVE
OFFICERS, DIRECTORS, EQUITY HOLDERS, EMPLOYEES, PARENT ENTITIES,
SUBSIDIARIES, AFFILIATED ENTITIES, REPRESENTATIVES, AGENTS AND LICENSORS
(COLLECTIVELY, THE “CREDIT KARMA PARTIES”) WILL NOT BE LIABLE TO YOU OR
ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR
PUNITIVE DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE,
LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) ARISING
OUT OF OR RELATING IN ANY WAY TO OUR SERVICES, OUR CONTENT OR THE
COMMUNITY CONTENT.
EXCEPT AS EXPRESSLY PROVIDED IN SECTION 10 (DISPUTE RESOLUTION AND
ARBITRATION) OR REQUIRED BY APPLICABLE LAW (E.G., ANY NON-WAIVABLE RIGHTS
OR REMEDIES), IN NO EVENT WILL THE TOTAL LIABILITY OF THE CREDIT KARMA
PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF,
OR ANY INABILITY TO USE ANY PORTION OF, OUR SERVICES, OR OTHERWISE
ARISING OUT OF OR RELATING TO THE AGREEMENT, WHETHER IN CONTRACT, TORT,
OR OTHERWISE, EXCEED IN THE AGGREGATE ONE HUNDRED UNITED STATES DOLLARS
($100.00).
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.
SUMMARY
Sorry for the bold and all-caps again. It’s really important to highlight
how our liability is limited when it comes to issues you may encounter
with our services. Please read this whole section carefully.
Return to the table of contents
9. INDEMNIFICATION
You will defend (if requested by any Credit Karma Party), 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: (1)
your use of our Services, our Content or the Community Content; (2) your
violation or alleged violation of the Agreement or your violation or
alleged violation of any applicable law; (3) your infringement or alleged
infringement of any intellectual property or other right of any other
person or entity; or (4) any dispute between you and a third party,
including any provider of Third Party Content. You must not 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 subject to
indemnification by you, and you further agree that you will cooperate
fully in the defense of any such claims.
SUMMARY
If someone sues us because of something you did, you’re responsible for
it, so read the above carefully.
10. DISPUTE RESOLUTION AND ARBITRATION
SUMMARY
A third party arbitrator will help us resolve any disputes we might have.
This means that any dispute will be resolved outside of class-action
litigation. Hopefully, disputes will never be an issue, but you should
read this section carefully for details on how it works.
10.1 GENERALLY
In the interest of resolving disputes between you and Credit Karma in the
most expedient and cost-effective manner, you and Credit Karma agree that
any and all disputes arising in connection with the Agreement will be
resolved by binding arbitration. You and us further agree that the
Federal Arbitration Act (“FAA”) governs the interpretation and
enforcement of this arbitration provision; the arbitrator shall apply
California law to all other matters. Arbitration is less formal than a
lawsuit in court. Arbitration uses a neutral arbitrator instead of a
judge or jury, may allow for more limited discovery than in court, and
can be subject to very limited review by courts. Arbitrators can award
the same damages and relief that a court can award. All issues are for
the arbitrator to decide, including all claims arising out of or relating
to any aspect of the Agreement, whether based in contract, tort, statute,
fraud, misrepresentation, or any other legal theory, and regardless of
whether a claim arises during or after the termination of the Agreement.
The arbitrator also has exclusive authority to resolve any dispute
relating to the interpretation, applicability, or enforceability of this
binding arbitration agreement.
YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THE AGREEMENT AND AGREEING
TO ARBITRATION, YOU AND CREDIT KARMA ARE EACH WAIVING THE RIGHT TO A
TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AGREE THAT YOU
HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.
10.2 EXCEPTIONS
Despite the provisions of Section 10.1, you and us both agree that
nothing in the Agreement will be deemed to waive, preclude or otherwise
limit the right of either of us to: (a) bring an individual action in
small claims court within its jurisdictional limits under Consumer
Arbitration Rule 9(b), even after filing an arbitration; (b) file a
complaint with the applicable federal, state, or local agency if that
action is available; (c) seek injunctive relief in a court of law in aid
of a pending arbitration; or (d) to file a suit in a court of law solely
for injunctive relief to stop unauthorized use or abuse of our Services
or address an intellectual property infringement claim.
10.3 ARBITRATOR
Any arbitration between you and Credit Karma will be conducted under the
Consumer Arbitration Rules (“AAA Rules“) of the American Arbitration
Association (“AAA“), as modified by the Agreement, and will be
administered by the AAA. The AAA Rules and filing forms are available
online at www.adr.org, by calling the AAA at 1-800-778-7879, or by
contacting Credit Karma here.
10.4 NOTICE AND PROCESS
A party who intends to seek arbitration must first send a written notice
of the dispute to the other by certified mail (“Notice“). Credit Karma’s
address for Notice is: Credit Karma, LLC, P.O. Box 30963, Oakland, CA
94604, Attention: Legal Department. The Notice must: (a) describe the
nature and basis of the claim or dispute; and (b) set forth the specific
relief sought (“Demand“). You and Credit Karma agree to use good faith
efforts to resolve the claim directly, but if you and Credit Karma do not
reach an agreement to do so within 30 days after the Notice is received,
you or we may commence an arbitration proceeding. During the arbitration,
the amount of any settlement offer made by you or Credit Karma must not
be disclosed to the arbitrator until after the arbitrator makes a final
decision and award, if any. The arbitration proceedings, including any
exchanged materials, shall be confidential and you and Credit Karma agree
to use reasonable efforts to streamline the proceedings, including
discovery, consistent with the objectives of efficient dispute
resolution.
10.5 FEES
If you commence arbitration in accordance with the Agreement, Credit
Karma will reimburse you for your payment of the filing fee, unless your
claim is for more than $10,000, in which case the payment of any fees
will be decided by the AAA Rules. Any arbitration hearing will take place
at a location to be agreed upon in San Francisco, California, but if the
claim is for $10,000 or less, or as otherwise required, you may choose
whether the arbitration will be conducted: (a) solely on the basis of
documents submitted to the arbitrator; (b) through a non-appearance based
telephone hearing; or (c) by an in-person hearing as established by the
AAA Rules in the county (or parish) of your registered account address.
All issues are for the arbitrator to decide, including issues relating to
the scope and enforceability of this arbitration provision. If the
arbitrator finds that either the substance of the claim or the relief
sought in the Demand is frivolous or brought for an improper purpose (as
measured by the standards set forth in Federal Rule of Civil Procedure
11(b)), then the payment of all fees will be governed by the AAA Rules.
In that case, you agree to reimburse Credit Karma for all monies
previously disbursed by it that are otherwise your obligation to pay
under the AAA Rules. Likewise, Credit Karma will not seek its attorneys’
fees or costs in arbitration unless the arbitrator determines your claims
or defenses are frivolous. Regardless of the manner in which the
arbitration is conducted, the arbitrator must issue a reasoned written
decision sufficient to explain the essential findings and conclusions on
which the decision and award, if any, are based. The arbitrator may make
rulings and resolve disputes as to the payment and reimbursement of fees
or expenses at any time during the proceeding and upon request from
either party made within fourteen (14) days of the arbitrator’s ruling on
the merits. The decision of the arbitrator shall be final and not
appealable, and judgement on the arbitration award may be entered in any
court having jurisdiction thereof.
10.6 NO CLASS ACTIONS
YOU AND CREDIT KARMA AGREE THAT EACH MUST BRING CLAIMS AGAINST THE OTHER
ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR A CLASS
MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Further, unless both you and Credit Karma agree otherwise, the arbitrator
may not consolidate more than one person’s claims or otherwise preside
over any form of a representative or class proceeding.
10.7 MODIFICATIONS
If Credit Karma makes any future change to this arbitration provision
(other than a change to Credit Karma’s address for Notice), you may
reject the change by sending us written notice within 30 days of the
change to Credit Karma’s address for Notice, in which case your account
with Credit Karma will be immediately terminated but this arbitration
provision, as in effect immediately prior to the amendments you reject,
will survive.
10.8 ENFORCEABILITY
If any provision of this Section 10 is unlawful, void, or unenforceable
for any reason, then that provision will be given effect to the greatest
extent possible and the remaining provisions will remain in full force
and effect.
Return to the table of contents
11. DEACTIVATION AND TERMINATION
11.1 TERMINATION OF AGREEMENT; SURVIVING TERMS.
The Agreement is effective until your member account, if applicable, is
deactivated by either you or Credit Karma and you discontinue all use of
our Services. Notwithstanding the foregoing, any section of the Agreement
that by its nature is intended to survive termination of the Agreement or
your use or access to our Services or our Content will survive such
termination.
SUMMARY
The Agreement lasts until your account is deactivated and you completely
stop using our services (but there are a few parts that have to live on
forever).
11.2 DEACTIVATING YOUR MEMBER ACCOUNT
If you decide you want to deactivate your account you can do so by
visiting our help page.
Return to the table of contents
12. MISCELLANEOUS
SUMMARY
This entire section is where you’ll find a bunch of standard legalese.
Each one is pretty quick, so we won’t break them down any further.
12.1 GOVERNING LAW
The Agreement is governed by the laws of the State of California,
excluding conflicts of law provisions.
12.2 ENTIRE AGREEMENT
The terms of the Agreement (including the Privacy Statement, the
Community Rules and any Additional Terms) constitute the entire and
exclusive agreement between Credit Karma and you in connection with your
use of our Services or our Content.
12.3 CHANGES TO THE AGREEMENT
We may modify the Agreement at any time. We will post modifications to
these Terms of Service on this page. If a change materially modifies your
rights or obligations, you may need to accept the modified terms to
continue to use our Services. Material modifications will take effect
when you accept the modified terms; immaterial modifications will take
effect when published. By continuing to use our Services following any
modification to these terms, our Privacy Statement or any Additional
Terms, you are agreeing to the Agreement as modified.
12.4 WAIVER ONLY IN WRITING
Credit Karma’s failure to enforce any of its rights or act with respect
to a breach by you or others of the Agreement does not constitute a
waiver of any rights and will not limit Credit Karma’s rights with
respect to that breach or any subsequent breaches. No waiver by Credit
Karma of any of the provisions in the Agreement will be of any force or
effect unless made in writing and signed by a duly authorized officer of
Credit Karma.
12.5 ASSIGNMENT
Credit Karma may assign the Agreement to any party at any time without
notice to you. You may not assign your rights under the Agreement, by
operation of law or otherwise, without our consent.
12.6 SEVERABILITY
If any provision of the Agreement is unlawful, void, or unenforceable for
any reason, then that provision will be given effect to the greatest
extent possible and the remaining provisions will remain in full force
and effect. Nothing in the Agreement shall affect any non-waivable
statutory rights or remedies that apply to you.
12.7 INTERPRETATION
The titles and annotations, including the “Summary” sections, contained
in these terms are inserted only as a matter of convenience and have no
legal or contractual effect. The Agreement will not be construed against
Credit Karma because we drafted it.
Whew! You made it. Pat yourself on the back and then go enjoy Credit
Karma!
12.8 GLOBAL TRADE RESTRICTIONS
You agree that you are not prohibited from receiving the Services under
the laws of the United States, England, Wales, Canada or other applicable
jurisdiction. For example, you are not on the U.S. Treasury Department’s
list of Specially Designated Nationals, Canada’s economic sanctions list,
the United Kingdom HM Treasury Financial Sanctions List, or any other
similar prohibition.
12.9 Apple Requirements
If you downloaded the Credit Karma app (the “App”) from the Mac App
Store, the following terms also apply to you:
1. Acknowledgement:You acknowledge that this Agreement is between you and
Credit Karma only, and not with Apple, and Credit Karma, not Apple, is
solely responsible for the App and its content.
2. Scope of License:The license granted to you for the App is a limited,
non-transferable license to use the App on Mac product that you own or
control and as permitted by the Usage Rules that are part of the terms
of service in the Mac App Store.
3. Maintenance and Support:Credit Karma and not Apple is solely
responsible for providing any maintenance and support services. You
acknowledge that Apple has no obligation whatsoever to furnish any
maintenance and support services with respect to the App.
4. Warranty:Credit Karma is solely responsible for any product
warranties, whether express or implied by law, to the extent not
effectively disclaimed. To the maximum extent permitted by applicable
law, Apple will have no other warranty obligation whatsoever with
respect to the App, and any other claims, losses, liabilities,
damages, costs or expenses attributable to any failure to conform to
any warranty will be Credit Karma’s sole responsibility.
5. Product Claims:Credit Karma, not Apple, is responsible for addressing
any user or third party claims relating to the App including: (i)
product liability claims; (ii) any claim that the App fails to conform
to any applicable legal or regulatory requirement; and (iii) claims
arising under consumer protection or similar laws.
6. Intellectual Property Rights:You acknowledge that, in the event of any
third party claim that the App or your possession and use of the App
infringes that third party’s intellectual property rights, Credit
Karma, not Apple, will be solely responsible for the investigation,
defense, settlement and discharge of any such intellectual property
infringement claim.
7. Developer Contact Info:Direct any questions, complaints or claims to:
Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604.
8. Third Party Beneficiary:You acknowledge and agree that Apple and
Apple’s subsidiaries are third party beneficiaries of this Agreement,
and that, upon your acceptance of the terms and conditions of the
Agreement, Apple will have the right (and will be deemed to have
accepted the right) to enforce the Agreement against you as a third
party beneficiary thereof.
SUMMARY
The end.
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Please call Member Support at 833-675-0553 or email legal@creditkarma.com or
mail at Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604