Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Sep 11, 2026; our capture on Oct 21, 2026 found the same text, but its identity was not checked by them.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“In the event that You cancel Your annual subscription, You will receive a refund based on the original purchase price and the number of fully unused months... in Your annual subscription.”
“IF YOU DO NOT WISH TO BE BOUND BY THE ARBITRATION PROVISION, YOU HAVE THE RIGHT TO EXCLUDE YOURSELF... You must notify Equifax in writing within 30 days of the date that You first accept this Agreement...”
“You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit information from one or more consumer reporting agencies; (ii) "non-public personal information"... and (iii) other personal information.”
“Once established, all memberships (regardless of duration) automatically renew indefinitely without further action by You, and the applicable membership fee (if any) is automatically charged to You at the time of renewal...”
“Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis.”
“The content may not be copied, distributed, displayed, modified, reproduced, performed, published or reverse engineered in whole or in part without Our prior written permission.”
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.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“In the event that You cancel Your annual subscription, You will receive a refund based on the original purchase price and the number of fully unused months... in Your annual subscription.”
“IF YOU DO NOT WISH TO BE BOUND BY THE ARBITRATION PROVISION, YOU HAVE THE RIGHT TO EXCLUDE YOURSELF... You must notify Equifax in writing within 30 days of the date that You first accept this Agreement...”
“You authorize and instruct Us to obtain, monitor, and compile Your: (i) credit information from one or more consumer reporting agencies; (ii) "non-public personal information"... and (iii) other personal information.”
“Once established, all memberships (regardless of duration) automatically renew indefinitely without further action by You, and the applicable membership fee (if any) is automatically charged to You at the time of renewal...”
“Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis.”
“The content may not be copied, distributed, displayed, modified, reproduced, performed, published or reverse engineered in whole or in part without Our prior written permission.”
“BY REGISTERING ON THIS SITE AND SUBMITTING YOUR ORDER, YOU ARE ACKNOWLEDGING ELECTRONIC RECEIPT OF, AND YOUR AGREEMENT TO BE BOUND BY, THIS AGREEMENT.”
“NEITHER WE NOR THE AFFILIATED PERSONS WILL BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EMOTIONAL DISTRESS DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS OR OPPORTUNITIES, BUSINESS INTERRUPTION AND …”
“If, notwithstanding the foregoing Section, Equifax or any Affiliated Person is held to be liable to You, the amount of such liability shall not exceed the amounts paid by You under this Agreement, in the twelve (12) months preceding the …”
“You will indemnify and hold Us and the Affiliated Persons harmless from and against actual loss, costs, liabilities and expenses (including reasonable attorneys' fees) resulting from Your breach of this Agreement, Your use of this Site or any Product...”
“In the event You cancel Your monthly subscription, You will not receive a refund, but You will receive Your Product for the remainder of the billing month You cancel in, and no further charges will be incurred.”
“We provide Products and related information solely to assist You in understanding Your financial and credit status for Your personal benefit and You agree that You will not use the Products for any other purpose, especially a commercial purpose.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
We have not recorded a change to this document since we began capturing it. Monitor includes alerts from a daily check, structured change summaries, and monitoring for up to 20 platforms.
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Cross-platform context
See how other platforms handle Annual Subscription Refund for Unused Months Only and similar clauses.
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