SUPPLEMENTAL TERMS OF USE
These Supplemental Terms of Use (the "Terms") are part of an agreement between the user ("user" or "you" or "your") and Quicken Inc. ("Quicken" or "we" or "us").
You have agreed to the terms and conditions governing your use of Quicken software and now wish to enroll in credit score services. These Terms supplement the terms governing your use of Quicken software (all such terms, collectively, the "Agreement"), which remain in full force and effect and apply to these services.
Subject to the terms of the Agreement, Quicken will provide the Quicken Credit Score and Monitoring Services ("Services") to you. By clicking "I AGREE," you indicate that you understand and agree to the Agreement’s terms. If you do not agree the Agreement’s terms, you will not be able to access or use the Services. Your continued use of Services constitutes your continued acceptance of these Terms.
1. DESCRIPTION OF THE SERVICES
The Services provide you with information and interactive tools which may help you manage your personal finances. These Services you select may include your credit report, credit report summary, credit score, monitoring or alert services, tools to help you better understand your options, suggestions, tips and other educational materials, and information about products and services that might be of interest to you. Services will be provided via our website, including via mobile applications, where available. Some Services will be provided through our third party processing agent, Equifax Information Services, LLC ("Processing Agent"). You may select from two types of Services, with features described below.
(a) Quicken Free Credit Score Services
The Quicken Free Credit Score Services is a free version of the Services available to Quicken customers. This service includes the quarterly single-bureau credit score with periodic updates and tracking as described on the website.
- Prior to September 2017, some users will be provided a credit score based upon the Equifax Risk Score model (“ERS”).
- Beginning September 2017, the Quicken Free Credit Score will be VantageScore 3.0, based on the VantageScore model.
This VantageScore is a VantageScore 3.0 based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.
(b) Additional Quicken Credit Products
Additional Quicken credit products may be made available to you on our website. Please review the specific features and associated fees before you purchase.
Quicken does not guarantee that you will receive your free credit report or credit report summary via the Services. You must satisfy our eligibility requirements. You may obtain your own report without the use of the Services. You have the right to a free credit report from AnnualCreditReport.com or (877) 322-8228, the ONLY authorized source under Federal law.
2. AUTHORIZATION
You must be at least 18 years of age to use these Services, and you must be the subject of the credit report or summary that you are seeking.
You hereby authorize Quicken to do all of the following in connection with providing you the Services: (i) verify your identity and share with our Processing Agent certain non-public personal information about You, including Your Social Security Number; (ii) request and obtain your consumer credit report or summary, including your score from our Processing Agent throughout the term in which we provide you the Services; such request constitutes "written instructions" in accordance with the Fair Credit Reporting Act ("FCRA"); and (iii) use and retain your credit information, along with the other information you have given us access to under the Agreement, to provide the Services and use with other Quicken services that include substantially similar functionalities as these Services. You agree that we may use and analyze your information as follows: (a) to present you an overview of your credit profile including detailed information where available; (b) to provide you with customized recommendations and general information about you; and (c) for other communication based on your information. Quicken may send you information via email, text or online display or other means of delivery in Quicken’s reasonable sole discretion. We may also aggregate and evaluate your information to do statistical analysis to provide historical or comparative information and to improve Quicken products and services. We will obtain your prior consent if we use your identifying information for any other purpose not expressly permitted under these Terms. Please see below for more information, and review our Privacy Statement located at https://www.quicken.com/privacy/2017.
3. RESTRICTIONS
You agree to provide true, accurate and current information. It is a violation of federal criminal laws to knowingly or willfully obtain information from a consumer reporting agency under false pretenses. You agree not to do any of the following: (i) violate any applicable local, state, national or international law, or any regulations having the force of law; (ii) further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or (iii) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Services.
4. TERM
Unless terminated earlier pursuant to the terms and conditions of the Agreement, the term of the Credit Monitor Product or Service you selected will continue for the period of time specified on Quicken's website or at the time of your subscription. Credit Monitor Products or Services or other services may be valid for a limited term from the date of purchase, may only provide one-time credit information, or may retain your credit information for a limited term.
5. CUSTOMER SUPPORT
Customer support will vary depending on the Services. Please refer to the Services website for information. For questions regarding your credit score or credit report, please contact the Processing Agent directly at https://www.equifax.com/personal/disputes or (866)349-5191. YOU UNDERSTAND AND AGREE THAT THE SERVICES DO NOT INCLUDE THE PLACING OF FRAUD ALERTS WITH ANY CONSUMER REPORTING AGENCIES. YOU MUST CONTACT THE CONSUMER REPORTING AGENCIES DIRECTLY IF YOU SUSPECT ANY FRAUD ACTIVITY.
6. QUICKEN IS NOT A CREDIT REPAIR COMPANY, CREDIT REPORTING AGENCY, BROKER OR ADVISOR
(a) You acknowledge that Quicken is not a credit repair company or similarly regulated organization under applicable laws, and does not provide credit repair services. Where available, recommendations, tips and education materials are provided to you at no additional charge, and for educational purposes only. The Services are intended to provide you with general information and assist you with identifying your options. The information is provided only to enable you to make your own choices about your personal finance, and is not intended to provide, legal, tax or financial advice. We do not provide any services to repair or improve your credit profile or score, nor do we provide any representation that the information we provide will actually repair or improve your profile. Consult the services of a competent professional when you need any type of this assistance.
(b) You acknowledge that Quicken is not a "consumer reporting agency" as that term is defined in the Fair Credit Reporting Act as amended.
(c) We reserve the right to consider, ignore, emphasize, or de-emphasize any relevant factors in our sole discretion to provide you offers about other products and services. We do not guarantee that you will receive offers or that you are will be approved for any particular types of products or services through your use of the Services. You are under no obligation to use any of the information provided through the Services. If you are interested in a product or service advertised via the Services, you must apply directly with the third party provider; their terms and conditions may apply. Quicken is not responsible for third party providers and their products and services.
August 2017