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Intuit Credit Karma
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ABOUT CREDIT KARMA

 * About
 * Press Room
 * Our Security Practices
 * Our Partners
 * Careers at Credit Karma
 * Privacy Policy
 * Terms of Service
 * User Content Rules
 * Credit Builder
 * Check Your Rate Platform Terms for Loans
 * Pre-Qualification Platform Terms for Credit Cards
 * Electronic Communications Consent
 * Mortgage Broker Licenses
 * Loan Broker Licenses
 * Property, Casualty and Life Insurance Lines of Authority
 * Contact Us

 * Credit Karma Help Center:
   
   Need help? Visit: support.creditkarma.com


TERMS OF SERVICE

Effective date: November 15 2022

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.  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
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.
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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:
   
   
   
   1. You are 18 years of age or older
   2. You have a valid U.S. Social Security number
   3. Any information you provide to us, both when you register and in the
      future, is and will be true, accurate, current and complete
   4. You are only registering an account for yourself
   5. You will keep all information up-to-date
   6. 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.
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.

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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.
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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!

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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.
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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).
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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.
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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.
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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.
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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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