Change record
CA-C-001574
Credit Karma Terms of Service [SPA-QUARANTINE: needs human capture]
Entity
Date detected
May 2, 2026
Effective date
May 2, 2026
Severity
Low
Direction
Neutral
Affected users
all users
Changes
1 sentence modified
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Event Summary

Credit Karma removed a QR code link from their Terms of Service footer on May 2, 2026. The QR code previously directed users to download the Credit Karma app. This is a minor formatting change with no impact on the actual terms, rights, or obligations governing your use of Credit Karma's services.

LOW

Consumer Impact

This change has no impact on your rights, data, or obligations under Credit Karma's terms. The removal of a QR code from the footer is a formatting adjustment only. No action is needed.

Governance Analysis

This change does not affect Credit Karma's actual terms of service. The removed QR code was a convenience link to download the app; its removal is a formatting adjustment with no legal or operational significance.

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This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology

Evidence Verification

✓ Verified
Previous Version
5833bd2570b65be4e10edd6c704d2a389cf6b85b4c267b5d3a550df483f49f3f
April 18, 2026 07:56 UTC
✓ Verified
Current Version
a9607c89eaeb36ede57d290afe6623b7c5e18fed336e0d9d0bc1ccc9d0bf39f3
May 2, 2026 06:37 UTC
✓ Verified
Change Detected
May 2, 2026 06:37 UTC
Analysis Methodology
✓ Verified
Source Document
https://www.creditkarma.com/terms
Citation Record
Entity: Credit Karma
Document: Credit Karma Terms of Service [SPA-QUARANTINE: needs human capture]
Record ID: CA-C-001574
Captured: 2026-05-02 06:37:44 UTC
URL: https://conductatlas.com/change/2026-05-02-credit-karma-credit-karma-terms-of-service-spa-quarantine-needs-human-capture-1574/
Accessed: July 26, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

Credit Karma removed a QR code link from the Terms of Service footer. This is a formatting or technical change with no substantive impact on policy, compliance obligations, or regulatory exposure. No action is required.

Full institutional analysis

Regulatory exposure, obligation analysis, escalation trigger, board language, and recommended action.

ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-001574.

Full Changes

View complete diff →

Document Context

Version history → Policy drift analysis → Document page →
Document
Credit Karma Terms of Service [SPA-QUARANTINE: needs human capture]
Entity
Credit Karma
Captured
May 2, 2026
Source URL
https://www.creditkarma.com/terms
Other changes to Credit Karma Terms of Service [SPA-QUARANTINE: needs human capture]
Previous change Apr 18, 2026
Credit Karma's Terms of Service were updated on April 18, 2026, adding the phrase 'Free Credit Karma' to a navigation …
Low Neutral
Next change Jul 26, 2026
Credit Karma's Terms of Service document underwent a significant structural change in an update detected on July 26, 2026. The …
Medium Negative
View full version history →
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