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
You may not use anyone else's user ID, password or account at any time without the express permission and consent of the holder of that user ID, password or account.
You may not allow any other party to access or use the Service with your unique username, password, or other security code.
to keep all authorization tokens or credentials confidential and secure.
"This Agreement takes effect on Your first use of this Site, and it applies to all persons accessing the Site from Your computer, and to all persons using Your User ID, password or PIN.Excerpt from Equifax's Terms of Use
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The clause states: “This Agreement takes effect on Your first use of this Site, and it applies to all persons accessing the Site from Your computer, and to all persons using Your User ID, password or PIN.”
ConductAtlas has identified this type of provision across 257 platforms. See the full comparison.
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