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

Exclusion of Consequential and Punitive Damages

High confidence Common · 280 of 343 platforms

Key Facts · in the document’s own words

What does Equifax exclude liability to the user for?
“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 LOSS OF PROGRAMS OR DATA) IN CONNECTION WITH YOUR USE OF THIS SITE...”
Version CA-V-006815, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
Equifax excludes liability to the user for direct, special, indirect, incidental, consequential, punitive, or emotional distress damages in connection with the user's use of the site.
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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)

Generated by a model from the captured document; not read by a person

The exclusion covers an unusually broad range of damage categories, including direct damages, which are typically recoverable even where consequential damages are excluded.

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Interpretive note: The excerpt includes 'Affiliated Persons' as co-beneficiaries of the exclusion; the canonical claim captures the primary entity (Equifax) and notes affiliated persons. The breadth of the exclusion, including direct damages, is notable but restated as written.

Consumer impact (what this means for users)

Generated by a model from the captured document; not read by a person

The reader cannot recover any of the listed categories of damages from Equifax or its affiliated persons in connection with use of the site.

How other platforms handle this

OpenAI

OPENAI'S AFFILIATES, SUPPLIERS, LICENSORS, AND DISTRIBUTORS ARE INTENDED THIRD PARTY BENEFICIARIES OF THIS SECTION.

Kling AI

We may be unable to fulfill certain data requests for legitimate reasons, such as protecting trade secrets, intellectual property, or complying with legal obligations.

Credit Karma

Credit Karma makes no guarantees to you on credit improvement or performance.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
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 LOSS OF PROGRAMS OR DATA) IN CONNECTION WITH YOUR USE OF THIS SITE...

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-053747
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. 6, 2026)
Citation Record
Entity: Equifax
Document: Equifax Terms of Use
Record ID: CA-P-053747
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-053747/exclusion-of-consequential-and-punitive-damages/
Accessed: Oct. 25, 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 Exclusion of Consequential and Punitive Damages clause do?

The exclusion covers an unusually broad range of damage categories, including direct damages, which are typically recoverable even where consequential damages are excluded.

How does this clause affect you?

The reader cannot recover any of the listed categories of damages from Equifax or its affiliated persons in connection with use of the site.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 280 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.