Credit Karma Terms of Service

This is Credit Karma's Terms of Service, covering your use of the platform's free credit scores, credit monitoring, identity monitoring, financial product offers, and community features, all operated by Credit Karma, LLC under Intuit Inc. When you register, the terms authorize Credit Karma to pull your consumer report data, motor vehicle records, and other third-party information, and require all disputes to be resolved through individual binding arbitration rather than court proceedings, with aggregate liability capped at $100. Users who post community content or submit feedback grant Credit Karma a permanent, royalty-free license to use that content, including their name and likeness, for any purpose including building new products, without compensation.

This document is the Credit Karma Terms of Service, effective May 4, 2026, governing use of Credit Karma's consumer financial platform, operated by Credit Karma, LLC, a subsidiary of Intuit Inc., and establishing the contractual basis for access to credit scores, credit monitoring, financial product offers, and community features. The agreement states that users authorize Credit Karma to obtain consumer report data, motor vehicle records, and other third-party data upon registration, and grants Credit Karma a perpetual, irrevocable, royalty-free, sublicensable license to use submitted community content and feedback, including the user's name, persona, and likeness, for any purpose including creating new products and services. The arbitration provision in Section 10 requires binding individual arbitration under AAA Consumer Arbitration Rules for all disputes, includes a class action waiver, caps aggregate liability at $100 USD except as required by applicable law, and designates California law as governing; the $100 liability cap and class action waiver are common in consumer platform agreements but may face enforceability challenges in certain jurisdictions or under specific consumer protection statutes. The agreement engages the Fair Credit Reporting Act given its explicit reference in Section 3.6, and the FCRA's permissible purpose framework, as well as FTC jurisdiction over unfair or deceptive practices and CFPB oversight of consumer financial products; California residents may have additional rights under the California Consumer Privacy Act and California consumer protection law, and the document's territorial restriction to U.S. users limits international regulatory exposure, though Intuit's broader corporate footprint may independently engage GDPR or other frameworks. The document's disclaimer that Credit Karma is solely an intermediary between users and credit bureaus or partners, combined with the broad warranty disclaimer and $100 aggregate liability cap, establishes a limited contractual liability posture that compliance teams should evaluate against applicable consumer financial protection obligations.

The agreement establishes that registering for a Credit Karma account constitutes authorization for Credit Karma to obtain consumer report data, motor vehicle records, and other third-party data to populate your account profile. Under these terms, all disputes between you and Credit Karma must proceed through binding individual arbitration under AAA Consumer Arbitration Rules, and the agreement includes a class action waiver; Credit Karma's total aggregate liability to any user is capped at $100 USD except as required by applicable law. You can deactivate your Credit Karma account at any time through the platform's help page, and you can opt out of the arbitration provision within 30 days of any future modification to that provision by sending written notice to Credit Karma's legal address.