Provision record
Equifax · Equifax Terms of Use · View original document ↗

Applicable Law Based on Member's State of Residence

Common · 263 of 343 platforms
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This analysis describes what Equifax'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

OpenAI

California law will govern these Terms except for its conflicts of laws principles.

Credit Karma

The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.

Teladoc

These Terms and Conditions are governed by the laws of Delaware.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
This Agreement and its enforcement shall be governed by the laws of the state in which You most recently told Equifax You live according to Equifax's records, without regard to conflict of law principles.

Excerpt from Equifax's Terms of Use

Provision details

Document information
Document
Equifax Terms of Use
Entity
Equifax
Date stated by the document
Nov. 11, 2025
As printed in Equifax’s text (version CA-V-006815), not a ConductAtlas date.
Tracking information
First captured by ConductAtlas
May 5, 2026
Text quoted from version
CA-V-006815, captured Sept. 11, 2026
Record ID
CA-P-053537
Document ID
CA-D-000590
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-006815)
acf3bdac4efcb86ada0d02f66c3562b6ad2430d9dbc1dd341df079a0a1d659ca
Analysis generated
May 7, 2026 14:27 UTC
Methodology
Evidence
✓ Excerpt found in version CA-V-006815, captured Sept. 11, 2026 (checked Oct. 5, 2026)
Citation Record
Entity: Equifax
Document: Equifax Terms of Use
Record ID: CA-P-053537
Version: CA-V-006815
Captured: 2026-09-11 01:03:01 UTC
SHA-256: acf3bdac4efcb86a…
URL: https://conductatlas.com/platform/equifax/equifax-terms-of-use/provision/CA-P-053537/applicable-law-based-on-members-state-of-residence/
Accessed: Oct. 23, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Categories

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Frequently Asked Questions

What does Equifax's Applicable Law Based on Member's State of Residence clause do?

The clause states: “This Agreement and its enforcement shall be governed by the laws of the state in which You most recently told Equifax You live according to Equifax's records, without regard to conflict of law principles.”

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 263 platforms. See the full comparison.

Is ConductAtlas affiliated with Equifax?

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