Equifax · Equifax Terms of Use · View original document ↗

Liability Cap at Amounts Paid in Preceding 12 Months

High severity High confidence Explicitdocumentlanguage Common · 288 of 352 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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The cap ties the maximum recovery to actual payments for the specific Products involved, which could be very low or zero for free products, and is further limited to the preceding twelve months.

Consumer impact (what this means for users)

The reader's maximum financial recovery from Equifax is limited to what they paid for the specific Products that gave rise to their claim in the prior twelve months.

How other platforms handle this

ActiveCampaign Medium

If you knowingly misrepresent that any activity or material on our Services is infringing, you may be liable to ActiveCampaign for certain costs and damages.

Leonardo AI Medium

A party's liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the actions (or inactions) of the other party...

Netflix Medium

The Netflix service and/or some of the Netflix content may not be available at any time as a result of events beyond our reasonable control...we will not be held liable should such events occur.

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▸ View Original Clause Language DOCUMENT RECORD
"
the amount of such liability shall not exceed the amounts paid by You under this Agreement, in the twelve (12) months preceding the claim, for the specific Products giving rise to the claim.

— Excerpt from Equifax's Equifax Terms of Use

Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
Equifax Terms of Use
Entity
Equifax
Document last updated
May 5, 2026
Tracking information
First tracked
May 7, 2026
Last verified
July 9, 2026
Record ID
CA-P-053741
Document ID
CA-D-00590
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
7cbc0fe5af19e7689d7e72da5e90cafcc27f4f1c89318f4b3ff9c5e9c2dcbe2c
Analysis generated
May 7, 2026 14:27 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Equifax
Document: Equifax Terms of Use
Record ID: CA-P-053741
Captured: 2026-05-07 14:27:31 UTC
SHA-256: 7cbc0fe5af19e768…
URL: https://conductatlas.com/platform/equifax/equifax-terms-of-use/provision/CA-P-053741/liability-cap-at-amounts-paid-in-preceding-12-months/
Accessed: July 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Equifax's Liability Cap at Amounts Paid in Preceding 12 Months clause do?

The cap ties the maximum recovery to actual payments for the specific Products involved, which could be very low or zero for free products, and is further limited to the preceding twelve months.

How does this clause affect you?

The reader's maximum financial recovery from Equifax is limited to what they paid for the specific Products that gave rise to their claim in the prior twelve months.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 288 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.