TransUnion Terms of Use

This document governs use of TransUnion's websites, mobile applications, and consumer-facing products, establishing the legal basis for access as acceptance of these terms by the user. The agreement states that users grant TransUnion a royalty-free, worldwide, perpetual, irrevocable license to use any content they submit, and the terms authorize TransUnion to modify, terminate, or restrict access to services at any time without notice. The limitation of liability clause caps TransUnion's total liability at $100 regardless of the nature or amount of harm claimed, and the agreement disclaims all warranties express or implied, including for accuracy of credit-related information; the enforceability of such a low liability cap in the context of a regulated consumer reporting agency may require evaluation under the Fair Credit Reporting Act, which provides its own statutory remedies. The document engages the FCRA, the FTC Act, and state consumer protection frameworks including California's CCPA and CPRA; as a consumer reporting agency, TransUnion's data practices are subject to FCRA requirements that may constrain how broadly the agreement's liability limitations and data use authorizations apply in practice. The mandatory arbitration clause with class action waiver and a 30-day opt-out window represents a significant restriction on collective legal recourse, and the governing law provision designating Illinois as the applicable jurisdiction may interact with state-specific consumer protection rights available to users in other states.