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Terms Of Use

Notice: Your use of this web site beyond the home page constitutes acceptance of the Terms of Use.

Introduction

Please read the following information carefully before using this web site. By accessing or using the web site, you acknowledge that you have read, understood, and agree to the Terms of Use and to follow all applicable laws and regulations. If you do not agree with the Terms of Use, do not use this web site. We reserve the right, in our sole discretion, to modify or update these Terms of Use at any time. Please check the Terms of Use each time you visit our web site for the most current information.

These Terms of Use apply to the web sites of Trans Union LLC and its domestic subsidiaries ("TransUnion"). If the Terms of Use is not consistent with the specific terms that apply to the TransUnion information, products, or services (collectively "Services") offered through this web site, then the specific terms that apply to these Services will apply. If you decide to order your Personal Credit Report or purchase a product from this web site, such order or purchase will additionally be governed by the Service Agreement.

Privacy

Since it affects your use of our web site, please review the TransUnion Privacy Policy to understand our practices. By using our Site or purchasing our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Policy.

Disclaimer of Warranties and Liability

OUR SITE, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS", WITH NO WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (A) AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH OUR SITE, (B) THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, PRODUCTS OR SERVICES, OR (C) THAT OUR SITE, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRANSUNION AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION, ITS DOMESTIC SUBSIDIARIES, NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.

TransUnion, TransUnion Interactive and TrueCredit are not credit repair organizations, or similarly regulated organizations under other applicable laws, and do not provide credit repair advice.

TransUnion, TransUnion Interactive and TrueCredit's credit monitoring offerings monitor only the credit file associated with the purchasing consumer that is maintained by TransUnion, and do not monitor, compare or cross-reference the credit file associated with the purchasing consumer to any other credit file(s) maintained by the other applicable credit bureau(s).

Trademark Rights

The trademarks, service marks, and logos (the "Trademarks") used in this web site are registered and unregistered Trademarks. The Trademarks belong to TransUnion or its respective owner. The Trademark owner has exclusive rights to the Trademarks. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the written permission of Trademark owner.

Policy on Links to the TransUnion Web Site

You are given a limited, non-exclusive right to create a hypertext link to the TransUnion home page (www.transunion.com). However, you may not portray TransUnion or any of its Services in a false or offensive manner. Also, you may not misrepresent your relationship with TransUnion or imply that TransUnion sponsors, endorses, or is affiliated with your web site or products. You may not replicate, modify, or alter the appearance or content of this web site. You may not use, frame, or utilize framing techniques to enclose any TransUnion Trademarks or any of the content of this web site. Except as stated above, you are not given any other right or license to (i) the content of this web site or (ii) any intellectual property or proprietary rights of TransUnion. This limited linking right may be taken away from you at any time at our discretion.

Policy on Links to Third Party Web Sites

This web site may contain links to third party web sites. TransUnion does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience to you. When you access a non-TransUnion web site, please understand that the linked site and its content are not under our control. TransUnion is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

Unsolicited Idea Submission Policy

When you provide us with comments, suggestions, or ideas (collectively "Feedback"), such Feedback is not considered confidential and becomes the property of TransUnion. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose.

International Use

Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence.

Applicable Law

The materials in this web site are designed for use by residents of the United Sates and its territories and possessions. The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois. You agree that any and all disputes arising under this Agreement or out of TransUnion's provision of services to you, if submitted to a court of law, shall be submitted to the state and federal courts of Cook County, Illinois, USA.

Notices

You should send any notices or other communications regarding the web site, products or services to Trans Union LLC, Attention: General Counsel, 555 W. Adams St., Chicago, IL 60661.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your registration information, please log in to your account and visit the 'Your Account' section from the main menu.

Indemnification

You agree to reimburse TransUnion, its officers, employees, agents, and partners for all losses, damages, and costs, including reasonable attorney's fees, resulting from your violation of these Terms of Use.

Copyright Notice

Copyright (c) 2001-2011 Trans Union LLC. All Rights Reserved. Except as otherwise stated, TransUnion owns all content contained in this web site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Content"). The Content is protected by copyright laws of the United States and other countries. The Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of material from the web site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.

Revised as of April 23, 2012
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