Equifax Terms of Use

This document constitutes Equifax's Terms of Use governing access to and use of Equifax's consumer-facing websites, products, and services, establishing a binding legal agreement between Equifax Inc. and its affiliates and users who access the site. The agreement states that users grant Equifax a non-exclusive, royalty-free license to use content they submit, and the terms authorize Equifax to modify services, terminate access, and update the terms at any time with continued use constituting acceptance. Notably, the terms include a mandatory arbitration clause with a class action waiver that directs individual disputes to binding arbitration, limiting users' ability to pursue collective legal remedies, and the agreement disclaims warranties and caps Equifax's liability, provisions that may face scrutiny under applicable consumer protection law depending on jurisdiction. The document engages the Fair Credit Reporting Act given Equifax's role as a consumer reporting agency, alongside the FTC Act, CCPA for California residents, and state consumer protection statutes; the FCRA creates a parallel statutory framework governing dispute rights that exists independently of these contractual terms. Compliance teams should note that contractual arbitration and liability limitations may be subordinate to statutory rights under FCRA and applicable state law, and that Equifax's dual role as both a data broker and a provider of consumer-facing credit products creates layered regulatory obligations beyond standard website terms.