This analysis describes what Credit Karma's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
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California law will govern these Terms except for its conflicts of laws principles.
This Agreement will be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflict of laws...
If you are an individual consumer in an Applicable Country that requires consumer contracts to be governed by the laws of the Applicable Country, the Terms will be governed by the laws of the Applicable Country...
"The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.Excerpt from Credit Karma's Terms of Service
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The clause states: “The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.”
ConductAtlas has identified this type of provision across 263 platforms. See the full comparison.
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