Equifax Terms of Use

This document is Equifax's Terms of Use governing access to their credit monitoring and related Products. By registering and submitting an order, you authorize Equifax to continuously obtain and monitor your credit and personal information, and you may only use Products for your own personal financial understanding — not for commercial purposes. Your membership renews and is billed automatically and indefinitely unless you cancel, and to opt out of mandatory individual-only arbitration you must send written notice to Equifax within 30 days of first accepting the Agreement.

This Agreement establishes the terms under which Equifax provides credit monitoring and related Products to individual users. It requires users to authorize Equifax to obtain, monitor, and compile their credit information, non-public personal information, and other personal information from consumer reporting agencies and other sources on an ongoing basis. Use of Products is strictly limited to personal understanding of financial and credit status, with commercial use expressly prohibited. The Agreement imposes a binding arbitration requirement with a class-action waiver, caps Equifax's liability at amounts paid for the specific Products at issue in the preceding twelve months, broadly excludes damage categories including direct damages, and requires users to indemnify Equifax for losses arising from their use of the site or any Product or breach of the Agreement. Memberships renew and are charged indefinitely and automatically unless the user affirmatively cancels.

Users who accept this Agreement authorize Equifax to continuously obtain, monitor, and compile their credit information, non-public personal information, and other personal information. Products may only be used for personal understanding of financial and credit status; any commercial use is prohibited. Memberships renew and are billed automatically and indefinitely, so users must take affirmative steps to cancel to stop charges. If a user cancels an annual subscription, refunds cover only fully unused months at the original purchase price; monthly subscribers receive no refund but retain access through the end of the billing month. Equifax excludes liability for a broad range of damages — including direct damages — and caps any recovery at amounts paid for the specific Products at issue in the twelve months before the claim. Users are also required to indemnify Equifax for losses arising from their use of the site or any Product. One concrete action available to users: to opt out of the binding arbitration and class-action-waiver provisions, a user must notify Equifax in writing within 30 days of the date they first accept the Agreement.