Terms of Use
Last Updated: January 24, 2023
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Use of Credible's ServiceChange to ServiceCommunication ConsentElectronic Communication ConsentUser Content and Intellectual PropertyPrivacy and SecurityIndemnityLimitation of LiabilityLegal DisputesGeneralSite: this website, excluding www.credible.com/insurance, which is subject to the Terms of Service displayed here.
Credible, Company, we, our, us: Credible Labs Inc. and its subsidiary Credible Operations, Inc.
You or your means the person(s) using the Site and/or the Services, and any person(s) on whose behalf such person(s) are acting as an agent with respect to the Site and/or Services
Service: our online services, website, mobile applications, and software provided on or in connection with the service, and any and all communications with us via phone, email, text or otherwise, whether directed to You or any Provider or other third party on your behalf
Agreement or Terms of Service: this document, together with Credible’s Privacy Policy
Users: all visitors, users, and others who access or use the Service
Providers: any and all third parties with which Credible provides opportunities for you to interact via the Service, such as companies offering financial services in their own name or on behalf of a third party, including banks, credit card issuers, lenders, loan brokers, credit repair companies, real estate companies, and insurance producers or agents.
Account Information: any information relating to financial accounts you maintain that Credible collects from you or a third party in order to provide the Service to you
Third-Party Accounts: financial or other accounts you maintain with companies other than Credible
Login Details: usernames and passwords, or other methods of accessing you Credible account or other third party accounts
THIS AGREEMENT CONTAINS:
A MANDATORY ARBITRATION OF DISPUTES PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS (SECTION 10);
A CONSENT TO RECEIVE ALL LEGALLY REQUIRED COMMUNICATIONS AND DISCLOSURES FROM US ELECTRONICALLY (SECTION 4); AND
A CONSENT TO RECEIVE AUTOMATED TELEPHONE CALLS AND SMS MESSAGES AND RECORDING OF CALLS (SECTION 3)
THE INSERTS TITLED “WHAT DOES THIS MEAN” ARE NOT PART OF THE CONTRACT, THEY ARE NOTES TO BETTER HELP YOU UNDERSTAND SOME OF THE LEGAL TERMS IN THE CONTRACT.
1.1 Eligibility
What does this mean?
These Terms of Service are a legally binding contract; in order to use our Service you must be legally capable of entering into this contract.
1.2 Modifications to this Agreement
What does this mean?
If there are changes to this Agreement, the date the changes are made will be posted at the top of the page and the posting date is the Effective Date of the revised Agreement. But, if there are significant changes, we will give you 30 days’ notice before the changes become effective.
1.3 Your Consent to Collect and Transmit Your Requests and Information
What does this mean?
1.4 Your Accounts and Account Information from Third-parties Integrated with our Service
1.5 Credit Inquiries (“Pulling Your Credit”)
What does this mean?
1.6 Prequalified Rates
1.7 Federal Aid
1.8 No Recommendations or Professional Advice
What does this mean?
1.9 Credible Accounts
What does this mean?
In order to use certain functionality of the Service, you must register for an account on our Site. The information you input must be truthful, accurate and complete at all times. If it is not, neither us nor the Provider can verify your identity or display to you products, services and content specific to you. You are only allowed one account, you need to keep it secure; do not share it with others.
When using our Service you may be required to establish an account (“Account”). You agree to the following requirements pertaining to the Account:
What does this mean?
What does this mean?
3.1 Consent to receive telephone calls, SMS messages and other messages
3.2 Opt-out or Unsubscribe
3.3 Sharing your phone number with Providers
3.4 The phone numbers you provide
3.5 Charges from your telephone provider
3.6 Call Recording and Monitoring
Electronic Communications Delivery Policy (E-SIGN Policy)
What does this mean?
4.1 Electronic Delivery of Communications
4.2 Hardware and Software Requirements
4.3 Additional Mobile Technology Requirements
4.4 How to Withdraw Your Consent
4.5 Updating your contact information
What does this mean?
5.1 You grant us a license to the content you post
5.2 Your representations and warranties about the User Content
5.3 You agree that you will not do any of the following:
5.4 Your obligations if you violate (or someone accuses you of violating) their rights with respect to the content you provide.
5.5 Monitoring, editing or removing your User Content
5.6 No compensation for your ideas, content, suggestions, submissions etc.
5.7 Responses to your User Content
5.8 Our Proprietary Rights
5.9 DMCA Notice
What does this mean?
What does this mean?
We have set forth the rules for using the Service, including your responsibilities and obligations in this Terms of Service and the Privacy Policy. If you violate any of these terms and you get into legal trouble for them, or it results in legal trouble for us, you are legally responsible for any of the ramifications, not us.
8.1 ASSUMPTION OF RISK:
8.2 SERVICE AVAILABILITY:
8.3 NO GUARANTEE OF ACCURACY OR RELIABILITY:
8.4 INFORMATIONAL PURPOSES ONLY; NO RECOMMENDATIONS OR ADVICE:
8.5 NO WARRANTIES REGARDING PROVIDERS OR OTHER THIRD PARTIES:
8.6 WE ASSUME NO LIABILITY FOR THE RELATIONSHIP AND INTERACTIONS BETWEEN YOU AND A PROVIDER OR OTHER THIRD PARTY:
What does this mean?
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUBSTANTIAL IMPACT ON HOW CLAIMS YOU AND CREDIBLE HAVE AGAINST EACH OTHER ARE RESOLVED.
You and Credible agree that any claim or dispute at law or equity that has arisen, or may arise, between you and Credible that relates in any way to or arises out of this or previous versions of the Agreement, your use of or access to the Service, will be resolved in accordance with the provisions set forth in this Legal Disputes Section.
9.1 Dispute resolution
Alternatively, you may assert your claims in small claims court, if your claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis.
The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.
9.2 Prohibition of Class and Representative Actions and Non-Individualized Relief
YOU AND CREDIBLE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, OR REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. UNLESS BOTH YOU AND CREDIBLE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, CLASS, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER USERS.
9.3 Arbitration Procedures
9.4 Costs of Arbitration
9.5 Severability
9.6 Waiver of Jury Trial and Class Action
YOU AND WE AGREE THAT, BY ENTERING INTO THIS AGREEMENT, THE PARTIES ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. YOU AND WE ACKNOWLEDGE THAT ARBITRATION WILL LIMIT OUR LEGAL RIGHTS, INCLUDING THE RIGHT TO PARTICIPATE IN A CLASS ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO CONDUCT FULL DISCOVERY, AND THE RIGHT TO APPEAL (EXCEPT AS PERMITTED IN PARAGRAPH (e) OR UNDER THE FEDERAL ARBITRATION ACT).
9.7 Opt-Out Procedure
IF YOU ARE A NEW CREDIBLE USER, YOU CAN CHOOSE TO REJECT THIS AGREEMENT TO ARBITRATE ("OPT-OUT") BY MAILING US A WRITTEN OPT-OUT NOTICE ("OPT-OUT NOTICE"). THE OPT-OUT NOTICE MUST BE POSTMARKED NO LATER THAN 30 DAYS AFTER THE DATE YOU ACCEPT THE USER AGREEMENT FOR THE FIRST TIME (I.E., YOU ACCEPT THE USER AGREEMENT WHEN YOU USE THE CREDIBLE WEBSITE, WWW.CREDIBLE.COM). YOU MUST MAIL THE OPT-OUT NOTICE TO CREDIBLE INC., ATTN: LEGAL AND COMPLIANCE DEPARTMENT, RE: OPT-OUT NOTICE, DPT # 6037, 6945 Northpark Boulevard, Suite L, Charlotte, NC 28216-0079.
9.8 Future Amendments to the Agreement to Arbitrate
9.9 Judicial Forum for Legal Disputes
10.1 Term and Termination
10.2 Monitoring of Our Services and Disclosure for Administrative and Legal Reasons:
10.3 Assignment.
10.4 Entire Agreement.
10.5 Severability.
10.6 No Waiver.
10.7 Headings.
10.8 Survival.
10.9 No Agency or Joint Venture.
10.10 Provider and Other Third-Party Terms.
10.11 Contact.
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