Provision record
Credit Karma · Credit Karma Terms of Service · View original document ↗

User Warrants Ownership or Rights to Community Content

Medium severity Explicit document language Common · 297 of 352 platforms
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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

How other platforms handle this

Snapchat Medium

You may not transfer any of your rights or obligations under these Terms without our consent.

Perplexity AI Medium

You represent and warrant that you have the legal right to use the payment method you provide to us or our payment processor, including, without limitation, any credit card you provide when completing a transaction.

Midjourney Medium

You are responsible for all content, including any images, videos, and prompts, that you input or generate when using Editor and/or Video.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
you represent and warrant that (a) you are the creator and owner of the Community Content, or have the necessary licenses, rights, consents, and permissions to authorize us and other users to use your Community Content

Excerpt from Credit Karma's Terms of Service

Provision details

Document information
Document
Credit Karma Terms of Service
Entity
Credit Karma
Date stated by the document
May 4, 2026
As printed in Credit Karma’s text (version CA-V-007065), not a ConductAtlas date.
Tracking information
First captured by ConductAtlas
March 19, 2026
Text quoted from version
CA-V-007065, captured Sept. 20, 2026
Record ID
CA-P-077824
Document ID
CA-D-000358
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-007065)
843efe8a436fae51e7d2bbd60d354671f6102270ca6e521e834db640483f8774
Analysis generated
September 20, 2026 16:32 UTC
Methodology
Evidence
✓ Excerpt found verbatim in version CA-V-007065 (checked Oct. 5, 2026)
Citation Record
Entity: Credit Karma
Document: Credit Karma Terms of Service
Record ID: CA-P-077824
Version: CA-V-007065
Captured: 2026-09-20 00:54:12 UTC
SHA-256: 843efe8a436fae51…
URL: https://conductatlas.com/platform/credit-karma/credit-karma-terms-of-service/provision/CA-P-077824/user-warrants-ownership-or-rights-to-community-content/
Accessed: Oct. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does Credit Karma's User Warrants Ownership or Rights to Community Content clause do?

The clause states: “you represent and warrant that (a) you are the creator and owner of the Community Content, or have the necessary licenses, rights, consents, and permissions to authorize us and other users to use your Community Content”

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 297 platforms. See the full comparison.

Is ConductAtlas affiliated with Credit Karma?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Credit Karma.