Quicken Credit Score and Monitoring Services

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

* Footnotes and disclaimers

Monitoring alerts, data downloads, and feature updates are available through the end of your membership term. Online services require internet access. Third-party terms and additional fees may apply. Phone support, online features, and other services vary and are subject to change. 14,500+ participating financial institutions as of October 1, 2017.
Standard message and data rates may apply for sync, e-mail and text alerts. Visit www.quicken.com/go/apps for details. Quicken app (“App”) is compatible with iPad, iPhone, iPod Touch, Android phones and tablets. Not all Quicken desktop features are available in the App. The App is a companion app and will work only with Quicken 2015 and above desktop products.
Quicken Bill Pay (Bill Payment Services provided by Metavante Payment Services, LLC) is included in Quicken Premier and above and is available on QuickenBillPay.com as a separate add-on service in Starter and Deluxe. 15 payments per month included in Premier and above.
Purchase entitles you to Quicken for 1 or 2 years (depending upon length of membership purchased), starting at purchase. Full payment is charged to your card immediately. At the end of the membership period, membership will automatically renew every year and you will be charged the then-current price (prices subject to change). You may cancel before renewal date. For full details, consult the Quicken License Agreement. You can manage your subscription at your My Account page.
2018 release of Quicken for Windows imports data from Quicken for Windows 2010 or newer, Microsoft Money 2008 and 2009 (for Deluxe and higher). Quicken for Mac 2018 release imports data from Quicken for Windows 2010 or newer, Quicken for Mac 2015 or newer, Quicken for Mac 2007, Quicken Essentials for Mac, Banktivity.
30-day money back guarantee: If you’re not satisfied, return this product to Quicken within 30 days of purchase with your dated receipt for a full refund of the purchase price less shipping and handling fees. See www.quicken.com/30dayguarantee for full details and instructions.
Quicken for Mac software and the Quicken mobile app are not designed to function outside the U.S.
The VantageScore provided under the offer described here uses a proprietary credit scoring model designed by VantageScore Solutions, LLC. There are numerous other credit scores and models in the marketplace, including different VantageScores. Please keep in mind third parties may use a different credit score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
VantageScore®, Equifax®, Experian® and TransUnion® are registered trademarks of their respective owners.
EQUIFAX is a registered trademark of Equifax Inc. The other Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are property of their respective owners.