Terms of Use

These Terms of Use ("Terms") describe the rules that apply when you access or use the websites, emails, and other online services provided by Econocredit and its affiliates (collectively, "Company," "we," "us," or "our") (together, the "Services"). By using the Services, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not access or use the Services. These terms incorporate the privacy policy, and the limiting provisions herein apply to any claims related to such policy. You must be at least 18 years old to use the Services.

These Terms contain binding arbitration and limitation of class action participation. Please read carefully.

1. Changes to these Terms.

We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above and post the updated Terms on the Services. Your continued use of the Services after the updated Terms are posted means you accept the changes.

2. Ownership of the Services and Content.

Our intellectual property.

The Services, including their layout, design, software, features, and all content provided through them, are protected by copyright, trademark, and other laws. All rights in and to the Services that are not expressly granted in these Terms are reserved by us and our licensors.

Subject to your compliance with these Terms, you are granted a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use only. You may view, print, and download content from the Services solely for that personal use, and you must keep all copyright and other proprietary notices intact.

You may not:

• Copy, modify, distribute, sell, lease, license, or otherwise exploit any part of the Services or any content, except as expressly allowed in these Terms or under applicable law.
• Remove or alter any copyright, trademark, or other proprietary notices.
• Decompile, reverse engineer, disassemble, or otherwise attempt to derive the source code of the Services, except where this restriction is prohibited by law.

2.2 Technology and anti-scraping/AI-use.

The cookies, pixels, tags, scripts, databases, code, and other technology that power the Services (collectively, the "Technology") are confidential and proprietary to us or our providers. You agree that you will not, and will not allow anyone else to:

• Access or attempt to access the Technology except through the interfaces we provide and only as allowed by these Terms.
• Use any robot, spider, scraper, crawler, or other automated means to access, extract, or index the Services or their data, except with our prior written consent.
• Use any information, data, or content from the Services to train, develop, or improve any machine learning model, artificial intelligence system, or similar technology without our prior written permission.
• Attempt to bypass any security or access controls or interfere with the operation or hosting of the Services.

You do not obtain any ownership rights in the Technology, and no licenses are granted except as expressly described in these Terms.

3. Content and Third-Party Links.

Our content.

All text, images, audio, video, graphics, and other materials we provide through the Services ("Company Content") are for general informational and entertainment purposes only. Company Content may include sponsored, affiliate, or promotional material. You are responsible for evaluating whether any Company Content is appropriate for your use. You should not rely on Company Content as legal, medical, financial, safety, or other professional advice, and you should consult appropriate professionals where needed.

Sponsored and affiliate content.

Some parts of the Services contain links to third-party websites or offers for products or services where we may receive compensation if you click or make a purchase ("Sponsored Content" or "Affiliate Links"). If you use those links, you leave our Services and go to a site we do not control. We are not responsible for the content, products, services, or practices of any third-party sites or offers, and your dealings with those third parties are solely between you and them.

Third-party services.

The Services may allow you to access or interact with third-party platforms, apps, tools, or services ("Third-Party Services"). We do not control and are not responsible for any Third-Party Services, and we do not endorse or warrant them. Your use of any Third-Party Services may be governed by separate terms and privacy policies between you and the third party. You should review those terms and policies before engaging with any Third-Party Service. If you provide your contact information or other data in connection with a Third-Party Service, you understand that the third party may contact you or use your information subject to its own policies.

4. Acceptable Use.

You may use the Services only for lawful purposes and in accordance with these Terms. You agree that you will not:

• Use the Services in any way that violates any law or regulation.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Interfere with or attempt to interfere with the proper working of the Services, including by introducing viruses, worms, or other harmful code, or by overloading, "flooding," "spamming," or "crashing" the Services.
• Use the Services to build or support a competing product or service.
• Attempt to gain unauthorized access to any part of the Services, other accounts, or any computer systems or networks connected to the Services.
• Encourage or assist any other person to do any of the above.

Any unauthorized use of the Services automatically terminates the permissions granted to you under these Terms, without prejudice to any other rights or remedies we may have.

Credit data authorization.

By enrolling in credit monitoring or credit report services through Econocredit, you acknowledge that you have provided written authorization under the Fair Credit Reporting Act (FCRA) for Econocredit to obtain your credit information from one or more consumer reporting agencies. This authorization and its terms are presented to you during the enrollment process and are incorporated into these Terms by reference.

You may revoke this authorization at any time by contacting us at support@econocredit.com.

5. Disclaimers.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES, COMPANY CONTENT, AND ANY PRODUCTS OR FEATURES MADE AVAILABLE THROUGH THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

Without limiting the foregoing, we and our owners, officers, employees, partners, suppliers, and licensors do not guarantee that:

• The Services will meet your requirements or expectations.
• The Services will be uninterrupted, secure, timely, or error-free.
• Any information or content obtained through the Services will be accurate, complete, or reliable.

To the maximum extent allowed by law, we expressly disclaim all warranties, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Credit data accuracy.

Credit report data, credit scores, and credit monitoring alerts displayed through our Services are provided by third-party consumer reporting agencies and credit data partners. We display this data as received and do not modify its content. We make no representations or warranties regarding the accuracy, completeness, or timeliness of credit data provided by third parties. If you believe any information in your credit report is inaccurate, you should contact the relevant consumer reporting agency directly to initiate a dispute.

5A. Credit monitoring and educational services disclaimer.

The credit monitoring, credit report, credit score, and related services available through Econocredit are provided for educational and informational purposes only. These services:

• Are not intended to, and do not, constitute legal, professional, or financial advice.
• Are not a substitute for professional financial, credit, or legal advice.
• May not be relied upon for lending, insurance, employment, or other consequential decisions.
• Do not guarantee any particular credit outcome, score change, or financial result.

Credit scores displayed through our Services may differ from scores used by lenders and other third parties. Simulated credit scores, where available, are estimates only and should not be interpreted as a guarantee or prediction of actual future scores.

Econocredit does not provide credit repair services as defined under federal or state law, and no representative of Econocredit is authorized to provide financial or legal advice or to make guarantees regarding credit outcomes.

6. Limitation of Liability.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR OWNERS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, OR CONTENT PROVIDERS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES; OR
• ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, OR GOODWILL,

ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow the limitation of liability for certain damages. In those jurisdictions, our liability will be limited to the maximum extent permitted by law.

You agree that these limitations of liability are a fundamental basis of the bargain between you and us and apply even if any limited remedy fails its essential purpose.

7. Dispute Resolution, Arbitration, and Class Action Waiver.

Binding arbitration.

If a dispute, claim, or controversy relating in any way to your use of the Services or these Terms cannot be resolved informally, it will be resolved by binding arbitration rather than in court, except for the limited exceptions below.

• The arbitration will be conducted by JAMS under its Commercial Arbitration Rules by a single arbitrator.
• Unless you and we agree otherwise, any arbitration hearing will take place in Austin, TX.
• Each side will pay its own fees and costs, except that the arbitrator may award costs as allowed under the rules or applicable law.
• The arbitrator will have the authority to decide the scope and enforceability of this arbitration agreement and to award all remedies that would be available in court on an individual basis. Any judgment on the arbitrator's award may be entered in any court of competent jurisdiction.
• This arbitration agreement applies to all disputes, claims, and requests for relief that arose or were asserted before the effective date of these Terms or any prior version of these Terms.

Waiver of jury trial.

YOU AND WE EACH WAIVE ANY RIGHT TO A JURY TRIAL in any dispute, claim, or proceeding arising out of or relating to the Services or these Terms.

Class action waiver.

ALL ARBITRATIONS AND OTHER PROCEEDINGS MUST BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. YOU AND WE AGREE THAT CLAIMS OF MORE THAN ONE USER MAY NOT BE COMBINED OR CONSOLIDATED.

If a court decides that applicable law prevents the enforcement of any of this class-action waiver as to a particular claim, then that claim (and only that claim) must be brought in court and not in arbitration.

Time limit to bring claims.

To the extent permitted by law, any claim or dispute arising out of or relating to the Services or these Terms must be filed within one (1) year after it first arises or it will be permanently barred.

8. Governing Law and Venue.

These Terms and any dispute or claim relating to them or the Services will be governed by the laws of the State of Texas, without regard to its conflict of law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Except where prohibited by applicable law or where arbitration is required, any non-arbitrable claim or proceeding arising out of or relating to these Terms or the Services must be brought exclusively in the state or federal courts located in Austin, Texas, and you consent to the personal jurisdiction of those courts.

9. Copyright Complaints.

We respect the intellectual property rights of others. If you believe that material on the Services infringes your copyright, you may send a notice to our designated copyright agent that includes:

• Your physical or electronic signature.
• Identification of the copyrighted work you claim has been infringed.
• Identification of the material you claim is infringing and information reasonably sufficient to permit us to locate it.
• Your contact information.
• A statement that you have a good-faith belief that the challenged use is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Send notices to:

DMCA Agent
Econocredit
support@econocredit.com

10. Notices and Electronic Communications.

Unless another method is specified, notices to us must be sent by email to:

Econocredit
Attn: Legal / Terms Notices
support@econocredit.com

We may send you notices electronically (for example, by email or by posting on the Services). You consent to receive communications from us in electronic form and agree that such communications satisfy any legal requirement that they be in writing.

11. Miscellaneous.

If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

You may not assign or transfer these Terms or your rights or obligations under them without our prior written consent. We may assign or transfer these Terms without restriction.