Terms of Use

This policy was last reviewed on June 7th 2024.

SUMMARY AND ACKNOWLEDGEMENT OF TERMS

By creating an account with FairFigure, LLC ("FairFigure") or utilizing our Services and Websites, you confirm that you have read, comprehended, and willingly consent to abide by the Terms of Use Agreement, along with the stipulations and notices outlined in this Agreement. This commitment applies whether you are a "Visitor" casually browsing a website or a "Customer" with an established FairFigure account, enrolled on a website, or utilizing a service.

Customers can choose to request and receive both free and fee-based Services from FairFigure. The term "Service" encompasses various products and offerings provided by FairFigure, such as consumer and commercial credit reports, credit risk scores, credit monitoring, and alerts for changes in credit reports. Throughout this Agreement, "you" or "User" refers to both visitors and Customers, while "we," "us," or "FairFigure " pertains to FairFigure, LLC, including its predecessors, successors, assigns, and third-party service providers involved in delivering the Services.

The Services and Websites are bound by the terms herein and applicable laws. It is essential to carefully review and comprehend these conditions. Placing an order, accepting, using, or accessing the Services and Websites signifies your agreement to adhere to each term and condition outlined. If you disagree with any provision, refrain from ordering, using, or accessing any Services and Websites, discard received information, and contact Customer Care to cancel your membership.

AUTHORIZED PURPOSES AND CONSENT

Upon creating an account with FairFigure or enrolling in any Service, you acknowledge that you have granted "written instructions" as per the Fair Credit Reporting Act ("FCRA"). These instructions authorize FairFigure to regularly obtain your credit report and/or credit score(s) throughout your association with FairFigure. The information may be sourced from Credit Bureaus such as Experian Information Solutions, Inc., TransUnion, LLC, and/or Equifax, Inc., or other credit reporting agencies. This authorization allows FairFigure to access your credit profile, including your credit report, credit score(s), and related details, for purposes such as identity verification, credit monitoring, credit scoring, and providing alerts for various changes in your credit report.

Additionally, you acknowledge that FairFigure may introduce new products, services, features, and functionalities over time. These offerings will be provided under the same authorization you initially granted for FairFigure to routinely obtain and present your credit report and/or credit score(s) for your review during your FairFigure account tenure.

Furthermore, by establishing an account with FairFigure or enrolling in any Service, you have also given "written instructions" under the FCRA for FairFigure to acquire and use the information you provided, as well as your credit report(s) and/or score(s), to inform you of credit opportunities and other products and services. FairFigure may receive compensation for marketing these opportunities or products from third parties, impacting their display on a Website, including the order in which they appear. MODIFICATIONS

This Agreement is subject to periodic updates. Online users are advised to routinely review this website for any revisions to the Agreement and the accompanying Terms and Conditions. Every instance of ordering, accessing, or utilizing any of the Services and Websites implies your acknowledgment and consent, without any restrictions or qualifications, to adhere to the prevailing Agreement and associated Terms and Conditions.

Last Updated: 6/7/2024

SERVICES OVERVIEW

The Services and Websites are designed to offer you the ability to review your personal and business finance and/or credit information strictly for educational purposes. They provide tools for managing this information at your discretion and may notify you about potential commercial credit opportunities and other products and services available to you and your business through FairFigure or third parties. These offerings may include advertisements or offers for credit cards, loan options, business products or services, credit-related products or services, and other offers, along with the ability to monitor specific credit information such as credit score, loan and credit card details, amounts, and interest rates.

The Services and Websites are intended solely for your and your business's use. Additionally, you may receive offers for various credit or financial products or services based on your self-identified credit attributes and your business entity's attributes, including consumer and business credit reports and scores. These offers may be generic and not necessarily tailored to your specific information.

Certain Services, including Premium and CreditCorrect, may involve fees at the time of purchase or enrollment. By acquiring these Services and providing payment details, you assert your authorization to use the provided payment method and agree to pay the specified fees, including recurring transactions for membership renewals.

Should you wish to downgrade your membership while maintaining a paid account with FairFigure, you can choose a different Service plan or a free Service. To cancel your account entirely and cease receiving Services, you must contact Customer Support or adjust your plan in the account settings on the Website. Regardless of any changes to your account, this Agreement and these Terms and Conditions will continue to govern your relationship with FairFigure.

It's important to note that FairFigure, including its Services and Websites, does not offer legal, tax, financial, or other advice. The provided Services and Websites are not designed for such purposes. While third-party websites may be provided for your convenience, FairFigure does not endorse or control them and is not responsible for their content, accuracy, or reliability. FairFigure does not guarantee your eligibility for any information, data, opinions, offers, advice, or statements found on these third-party websites.

Subscription payments to FairFigure may be reflected as a "tradeline" on your business credit reports from CreditSafe, Fundex, and Equifax, categorized under "Other."

ALTERATION OF PRODUCTS

FairFigure reserves the right, at its discretion, to make changes or cease any of the Products, Product Websites, or Content, in whole or in part, with or without prior notice. By agreeing to this, you acknowledge that FairFigure holds no liability to you, your minor children, or any third party for any adjustments or discontinuation of any of the Products, Product Websites, or Content.

USAGE OF THE SERVICES

By placing an order for, accessing, or using any Services and/or Websites, you agree to furnish accurate, truthful, complete, and up-to-date information about yourself and any business entity enrolled in any Service, as prompted by registration and application forms or upon request by FairFigure. Upon registration, you affirm that you are eighteen (18) years of age or older. If any provided information is found to be untrue, fraudulent, inaccurate, or outdated, or if FairFigure reasonably suspects such information is fraudulent, not current, or intended for misuse, FairFigure retains the sole discretion to suspend or terminate your order, use, and/or access to any Service and/or Website. FairFigure also reserves the right to deny any current or future orders, use, and/or access to Service and/or Website, or to suspend or terminate any part thereof. In the event of FairFigure suspending or terminating your order, use, and/or access to any Service and/or Website for reasons other than fraud or misuse, FairFigure will grant access for 7 calendar days before shut-off to retrieve your records and data.

Moreover, you acknowledge that FairFigure holds no liability to you, any enrolled business entity, or any third party if FairFigure suspends or terminates your order, use, or access to any Service and/or Websites, or any portion thereof, for any reason. You further acknowledge and agree that FairFigure may, at its sole discretion, retain any information provided by you or generated by FairFigure (or its affiliates/suppliers, including but not limited to Equifax, CreditSafe, and Fundex) during your FairFigure account tenure. This includes information about you, as well as any credit card, payment, or other information obtained in connection with your account and/or the provision of any Service. FairFigure, if it chooses to retain such information, is not obliged to retain it for any specific duration.

DISPUTE RESOLUTION THROUGH BINDING ARBITRATION

PLEASE PAY CLOSE ATTENTION. THIS HAS IMPACT ON YOUR RIGHTS.

SUMMARY:

The majority of customer concerns can usually be promptly and satisfactorily addressed by reaching out to FairFigure's Customer Support Department at [email protected] or via chat in your dashboard. In the unlikely event that the Customer Support Department cannot resolve a complaint to your satisfaction (or if FairFigure has been unsuccessful in informally resolving a dispute with you), both parties agree to settle such disputes through binding arbitration or small claims court rather than pursuing litigation in general jurisdiction courts, to the fullest extent allowed by law. Arbitration is less formal than a court lawsuit, utilizing a neutral arbitrator instead of a judge or jury, permitting more limited discovery than in court, and is subject to minimal court review. Arbitrators have the authority to grant the same damages and relief as a court. Any arbitration under this Agreement will be conducted on an individual basis; class arbitrations and class actions are not permitted. In arbitration, the prevailing party is entitled to recover attorneys' fees from the other party.

Arbitration Agreement:

(a) Both FairFigure and you agree to resolve all disputes and claims between us through arbitration, excluding those disputes or claims exempted by governing law. This agreement aims to interpret broadly, subjecting all disputes and claims between us to arbitration to the maximum extent allowed by law. This encompasses, but is not limited to:

Claims related to any aspect of our relationship, whether based on contract, tort, statute (including, but not limited to, the Credit Repair Organizations Act), fraud, misrepresentation, or any other legal theory.

Claims arising before this Agreement or any prior Agreement, including claims related to advertising.

Claims currently under purported class action litigation where you are not a member of a certified class.

Claims that may arise after the termination of this Agreement.

For the purpose of this arbitration provision, " FairFigure," "you," and "us" include our respective parent entities, subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of services, products, or information under this or prior Agreements between us. However, either party retains the option to bring an individual action in small claims court. By entering into this Agreement, you and FairFigure are waiving the right to a trial by jury or participation in a class action. This Agreement demonstrates a transaction in interstate commerce, making the interpretation and enforcement of this arbitration provision governed by the Federal Arbitration Act. This provision remains in effect after the termination of this Agreement.

(b) A party intending to seek arbitration must first send a written Notice of Dispute ("Notice") to the other party via certified mail. The Notice to FairFigure should be directed to: Legal & Compliance, FairFigure, 20200 W. Dixie Hwy. #1107, Miami, FL 33180 ("Notice Address"). The Notice must outline the nature and basis of the claim or dispute and specify the relief sought from FairFigure ("Demand"). If an agreement to resolve the claim is not reached within 30 days of receiving the Notice, either party may initiate an arbitration proceeding. During arbitration, the amount of any settlement offer made by FairFigure or you shall not be disclosed to the arbitrator until the arbitrator determines the amount, if any, to which you or FairFigure is entitled.

You can find more information about arbitration at www.adr.org.

The arbitrator has exclusive authority to decide all issues, including the scope and enforceability of this arbitration provision and the Agreement's other terms and conditions. The arbitrator will be bound by the terms of this Agreement. Unless both FairFigure and you agree otherwise, arbitration hearings will take place in the county of your billing address. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted based on documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. FairFigure will cover all AAA filing, administration, and arbitrator fees for any arbitration initiated according to the notice requirements above. However, if the arbitrator finds that the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose, the payment of all such fees will be governed by the AAA Rules. In such a case, you agree to reimburse FairFigure for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules.

(c) The arbitrator may make rulings and resolve disputes regarding the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, following applicable law and the AAA Rules.

(d) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

(e) Both you and FairFigure agree that each may bring claims against the other only in your or its individual capacity, not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding unless both parties agree otherwise. The arbitrator may award injunctive relief only to the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If this specific subparagraph (e) is found unenforceable, the entire arbitration provision shall be null and void.

(f) Regardless of any provision in this Agreement to the contrary, we agree that if FairFigure makes any change to this arbitration provision (other than a change to the Notice Address) during your membership in any credit monitoring or other product, you may reject any such change and require FairFigure to adhere to the language in this provision if a dispute arises regarding such membership product.

FCRA NOTICES

According to the Fair Credit Reporting Act (FCRA), you have the right to obtain a copy of all the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable fee. The FCRA also grants individuals the entitlement to receive a free disclosure directly from the consumer credit reporting company under the following circumstances:

You have faced denial of credit, insurance, or employment within the past 60 days due to your report.

You provide written certification of unemployment and an intention to apply for employment within the 60-day period after making the certification.

You are a recipient of public welfare assistance.

You have a reasonable belief that your file at the agency contains inaccurate information due to fraud.

Additionally, the FCRA allows consumers to dispute inaccurate information in their consumer credit report without incurring any charges. It's important to note that accurate information cannot be altered. You are not obligated to purchase your credit report or other information from FairFigure to dispute inaccurate or incomplete details in your consumer credit file or to obtain a copy of your consumer disclosure.

CONSUMER RIGHTS REGARDING SECURITY FREEZE

You possess the right to impose a "security freeze" on your credit report, preventing a consumer reporting agency from disclosing information without your explicit authorization. The purpose of this security freeze is to safeguard against unauthorized approval of credit, loans, and services in your name. However, it's important to note that while exercising a security freeze to control access to your credit report's personal and financial details, there may be potential delays, interference, or prevention of timely approval for any subsequent loan, credit, mortgage, or other credit-related requests or applications.

Alternatively, you have the option to place an initial or extended fraud alert on your credit file without incurring any charges. An initial fraud alert remains active for one year, requiring businesses to verify your identity before granting new credit upon detecting the alert on your credit file. If you've fallen victim to identity theft, an extended fraud alert, lasting seven years, is available to you.

It's important to note that a security freeze does not apply to individuals, entities, their affiliates, or collection agencies acting on their behalf, with whom you have an existing account. Such entities may request information from your credit report for purposes like reviewing or collecting the account, including activities related to account maintenance, monitoring, credit line adjustments, and account upgrades.

TERRITORIAL LIMITATIONS

The Services offered through the Websites are designed for use exclusively by U.S. users. We do not guarantee that the information, products, or services provided through the Services or the Websites are suitable for access or use in other jurisdictions. However, we retain the right, at our sole discretion, to restrict the availability of the Services or the provision of any Services to any individual, geographic area, or jurisdiction, including within the United States, at any time.

The credit report requested from FairFigure is not intended to serve as the disclosure of consumer credit information mandated by the FCRA or similar state laws. Such consumer disclosures must be directly obtained from one or all of the three national credit reporting companies (Experian, Equifax, TransUnion).

The FCRA provides consumers with the opportunity to receive one free comprehensive disclosure of all information in their credit file from each of the three national credit reporting companies (Experian, Equifax, and TransUnion) once every 12 months through a central source. Georgia residents can avail themselves of two disclosures annually. Although the credit reports from FairFigure, sourced from one or all of the three national credit reporting companies, are comprehensive, they may not contain the same information as a credit report obtained directly from these companies or through the central source. To request your free annual report under the FCRA, visit www.annualcreditreport.com or call 877-322-8228. It's important to note that FairFigure's Products are not related to the free FCRA disclosure that you may be entitled to.

PROSECUTION NOTICE

Access to password-protected or secure sections of the Product Websites is exclusively granted to authorized users. Individuals without proper authorization attempting to enter these sections may face legal prosecution.

Non-compliance with the Fair Credit Reporting Act (FCRA) may lead to state or federal enforcement actions, as well as potential private lawsuits. Moreover, anyone obtaining a consumer credit report or disclosure under false pretenses with knowledge and willful intent may be subject to criminal prosecution.

SECURITY MEASURES AND VERIFICATION

FairFigure employs security protocols aimed at safeguarding your privacy and information. While these measures are in place, there may be instances where FairFigure cannot successfully provide Products, including the immediate online delivery of your credit report for online users. In certain online Products, if the system encounters difficulty authenticating you, you may undergo a manual authentication process. It is your responsibility to complete this process to access your membership on the website. Your membership will persist, and credit report monitoring will continue, both accessible once authentication is completed. Consequently, you will continue to be billed for membership and associated services until you either switch to a free Service or cancel. For specific products, FairFigure may be unable to offer manual authentication, resulting in an inability to fulfill your order if you fail online authentication attempts.

PERSONAL INFORMATION USAGE

FairFigure may employ your personal information as required for order processing and business upkeep, following the guidelines set forth in the "Use of the Products" section and FairFigure's Privacy Policy, in compliance with relevant laws.

ACKNOWLEDGMENT OF PRIVACY NOTICE REVIEW

Upon creating an account with FairFigure or submitting an order to enroll in any Service, you affirm that you have received our Privacy Policy, declare that you have reviewed the Privacy Policy, and consent to adhere to its terms. The Privacy Policy can be accessed below.

CONSENT, DISCLOSURE, AND PRODUCT DELIVERY VIA ELECTRONIC NOTICE

By providing FairFigure with your email address, you explicitly consent to receive emails from FairFigure containing Product alerts, credit report changes, notices, and other communications.

Express Consent: While using a product or service under this Consent, you expressly consent to receive any Notice in electronic format, allowing FairFigure to cease sending paper Notices unless and until you withdraw your consent, as detailed below. Electronic signatures may also be used in transactions. It is your responsibility, as an online customer, to maintain an email address and a Java-compatible browser for online Product receipt. You agree to receive all notifications via email at the provided address. You are obligated to update the email address on file in case of changes. Failure to do so or to provide express consent does not alter the agreed-upon price for the Product when the order was placed. Acceptance of this consent is not a prerequisite for establishing a business relationship or engaging in any transaction. If you wish to use FairFigure's services without consenting to receive electronic notices, contact us at [email protected]

Paper Copies: Request paper copies of Notices by contacting us at [email protected].

Online Hardware and Software Requirements: To receive electronic Notices, ensure access to an internet browser supporting HTML and 128-bit SSL encryption, an internet connection, a PDF reader, and a device compatible with the above requirements. A printer is necessary for paper copies, and electronic storage is required for retaining Notices in electronic form.

TERMS AND CONDITIONS FOR MOBILE COMMUNICATIONS

By agreeing to these terms, you acknowledge and agree that you are providing consent to receive recurring text (SMS) messages from us and our partners at the provided mobile number. You also agree to receive mobile texts through an automatic telephone dialing system. It's important to note that consenting to receive marketing text messages is optional and not a prerequisite for purchasing any goods or services. However, it's recognized that opting out of text messages may impact your experience with the Service(s) that rely on text communications. By providing consent, you confirm that you are over the age of 13.

Your consent encompasses receiving up to 2 text messages per day related to promotions, special offers, deals, notifications, and FairFigure Credit Bureau Alerts through your mobile device. Standard message and data rates may apply.

To stop receiving text messages from FairFigure, LLC, contact us at [email protected].

For additional information or assistance, contact us at [email protected]

Supported carriers currently include:

AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), Appalachian Wireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, CableVision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), i Wireless (IOWA Wireless), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless, Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not responsible for delayed or undelivered messages.

Updating Contact Information: Maintain an active email address and promptly notify us of changes through [email protected] or by writing to Fairfigure, LLC, ATTN: Customer Service, 20200 W. Dixie Hwy. #1107, Miami, FL 33180.

Withdrawal of Consent: Withdraw consent by contacting us at [email protected] or in writing to Fairfigure, LLC, ATTN: Customer Service, 20200 W. Dixie Hwy. #1107, Miami, FL 33180. No separate fee applies for withdrawal, and it becomes effective after a reasonable period. Withdrawal doesn't affect the validity or binding effect of any Notices received before the withdrawal's effective date. Even without electronic notice consent, website access and membership features remain available by logging in. Membership continues regardless of consent status for email notifications.

NO WARRANTIES FROM FAIRFIGURE

You explicitly acknowledge and agree that your utilization of the Products, Product Websites, and Content is entirely at your own risk. All Products, Product Websites, and Content are provided on an "as is" or "as available" basis. FairFigure and its suppliers explicitly disclaim all warranties, guarantees, and conditions of any nature, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. The information contained in the Products, Product Websites, Content, or other materials you may receive from FairFigure does not constitute legal, tax, accounting, or other professional advice. Apart from the statements made within these Terms and Conditions, FairFigure provides no assurance that (I) the Products and Content are accurate, timely, uninterrupted, or error-free; and (II) any results obtained from the use of the Products or Content will be reliable.

USE OF ACTIVATION CODES

When utilizing an activation code to acquire a Product, you are limited to a single use of the provided activation code. Any subsequent use of the activation code will lead to the prompt termination of any related Products without prior notice, following the termination provision(s) outlined in the section titled "Use of the Products" herein.

It is important to be aware that if you obtain a Product improperly using an activation code, the fee for the incorrectly obtained Product will be charged to any credit card number you may have provided to us.

LIMITATION OF LIABILITY

By agreeing to these terms, you acknowledge and agree that FairFigure will not be held liable to you (or any of your minor children) for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from or in any way connected to your access to, use, or inability to use the Products, Product Websites, Content, or Membership Benefits. This includes damages arising from your access to, use of, inability to use, or reliance upon any linked website (if applicable), even if FairFigure has been advised of the possibility of those damages. In some jurisdictions, there may be restrictions on or disallowances of excluding or limiting damages in certain types of agreements. For such jurisdictions, the aforementioned limitation on liability will be to the maximum extent permitted by applicable law. If, despite the above, liability is imposed upon FairFigure, you agree that FairFigure's total liability to you (and any of your minor children) for any or all of your losses or injuries (or those of your minor children) resulting from FairFigure’s acts or omissions, regardless of the nature of the legal or equitable claim, shall not exceed the amount paid by you to FairFigure for the Product(s) you purchased.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

Our services, for which you provide payment, including credit monitoring services, are not offered or provided in relation to the extension of credit by third parties. The payment made is solely for credit monitoring services, not for advice or assistance in obtaining a loan or enhancing your credit record, history, rating, or score. FairFigure provides access to your credit report, FICO Score, and other credit information, but it is not a credit repair organization. FairFigure and its affiliates do not sell, provide, or perform services to improve your credit record, history, or rating. It is clarified that you are not purchasing, using, or accessing any of the Products, Product Websites, and Content for these purposes.

ACCURACY OF ADVERSE INFORMATION AND FICO SCORE

Inaccurate adverse information on your credit report cannot be altered. If you believe there is inaccurate, non-fraudulent information on your credit report, it is your responsibility to contact the relevant credit reporting company and follow the proper procedures to notify them of the inaccuracy. Any information provided to you regarding procedures for the removal of inaccurate, non-fraudulent information is given without charge and is available to all consumers, whether or not they are members of the credit score monitoring product.

FICO Score provides a user-friendly representation of your creditworthiness, ranging from 300 to 850. This score indicates your overall credit risk. Higher scores suggest a lower credit risk, while lower scores may indicate a higher credit risk to lenders. Different credit reporting agencies, such as Experian, TransUnion, and Equifax, maintain credit files based on your credit history, and your credit score is derived from this information at the time of request. As lenders and insurers use various credit scoring models, it's common for your lender's score to differ from the FICO Score you receive online. While the numbers may vary, your associated risk level generally remains consistent. If your lender's score is lower than your online score, it could result in higher interest rates or credit denial.

ENROLLING IN ANY PRODUCT

In order to request a credit report, score, or acquire any Product, you need to have a U.S. address, furnish a valid Social Security number, provide accurate details such as your address, email address, and date of birth, and agree to adhere to these Terms and Conditions. In specific situations, a valid telephone number might be required for FairFigure to process your order. Additionally, valid credit card information must be provided. FairFigure will then assess the entirety of your registration details.

In certain regions, state and local sales tax may be applicable, and if so, you could incur these taxes in addition to the monthly or annual fee and/or the product's price.

For specific Products and/or sales channels, where Products are available, we retain the right to accept or reject certain payment forms, including, but not limited to, "pre-paid" or "re-loadable" credit/debit cards.

SOCIAL HEALTH BUSINESS REVIEW MONITORING – ADDITIONAL TERMS AND CONDITIONS

Our services provided to you may feature content or reviews from third-party sources, such as third-party websites, applications, or services collectively referred to as "Third Party Reviews." Additionally, our services may offer functionalities enabling the connection of third-party accounts with your FairFigure account, such as those held with review aggregators. We want to clarify that we do not exercise control over, maintain, or endorse Third Party Reviews, and FairFigure holds no responsibility or liability for any Third Party Reviews. This includes any damages, losses, failures, or issues arising directly or indirectly from Third Party Reviews. Your interactions and transactions with the providers of Third Party Reviews, encompassing reviews or services provided by such third parties, are a matter solely between you and the third party involved. It is imperative for you to thoroughly review all pertinent terms and conditions related to Third Party Reviews, as established by the third party. This includes any privacy policies and terms of service associated with them. FairFigure does not assume responsibility for any information you opt to share with us through agreements with third parties regarding Third Party Reviews. If you wish to discontinue access to Third Party Reviews, you can do so by reaching out to us. Furthermore, if you connect your Google Business Profile for accessing Google reviews, please review Google's "Working with a third party" disclosure notice.

CREDIT MONITORING – ADDITIONAL TERMS AND CONDITIONS

Your enrollment in any of FairFigure’s credit monitoring products, subject to a monthly or annual fee, remains active for the duration covered by your membership payment. It persists upon the successful payment of the monthly or annual renewal fee. The renewal charges for your membership will be automatically processed, at the prevailing rate, using the credit card or authorized billing source provided by you. This renewal occurs on the initial day of each successive 30-day membership period until you decide to terminate your membership. Should you opt to conclude your membership for any reason before the expiration of the ongoing membership term you have already paid for, you can cancel it by contacting Customer Service or by adjusting your plan downgrade settings on the Website. For monthly or quarterly subscribers choosing to cancel post the conclusion of their free trial or at any point within their billing term, the membership and billing will cease at the end of the billing term. There will be no eligibility for a prorated refund of any portion of the paid monthly or quarterly membership fee. Shifting from a paid membership level to a free membership level leads to the immediate termination of your paid membership. This change results in the loss of access to paid membership benefits, with no eligibility for a prorated refund of any part of the paid monthly or quarterly membership fee. FairFigure retains the right to adjust the membership fee for any subsequent renewal term, effective upon the renewal of your membership.

CREDIT REPORTS AND CREDIT SCORES – ADDITIONAL TERMS AND CONDITIONS

Upon utilizing any Product, Product Website, and/or Content to access your personal credit report and/or credit score, you confirm your understanding and agreement with the following terms:

• Your access to your credit report and/or score is valid for 30 days from the payment date.

• No refunds will be provided once we have successfully located and delivered the Product(s) to you.

• If you have inquiries about your credit report or wish to dispute information, you can initiate an investigation by reaching out to the credit reporting company identified in your credit report.

• For online users, if there is inactivity (no clicks or page refreshes) for 30 minutes or more during the review of your credit report and/or credit score online, your session will end, and you will be logged out for your security.

Disclaimers: You acknowledge that the information presented through the FICO Score products, including the score factors derived from your credit report elements, may evolve as your credit report changes over time. Additionally, you recognize that the score factor information advising on monitoring your credit position assumes no adverse alterations in your credit performance. FAIRFIGURE IS NOT LIABLE FOR THE ACCURACY OR CONTENT OF YOUR CREDIT FILE, INCLUDING INFORMATION PROVIDED IN THE CREDIT REPORT AND/OR SCORE PRODUCTS. Please be aware that under section 609f of the FCRA, consumers have the right to obtain their credit score at any time for a statutorily set fee.

LOAN REALITY CHECK REPORTS AND SCORES – ADDITIONAL TERMS AND CONDITIONS

Our services to you may incorporate third-party content or links directing you to third-party websites, applications, or services (collectively referred to as “Third Party Content”). Additionally, our Services may feature functionalities enabling the connection of your FairFigure account with accounts or services provided by third parties, such as those associated with financial institutions. It's crucial to note that FairFigure does not exert control, maintain, or endorse Third Party Content or third-party services. FairFigure bears no responsibility or liability for any Third Party Content or third-party services, encompassing damages, losses, failures, or issues stemming from, associated with, or arising due to Third Party Content or third-party services. All interactions and business transactions with providers of Third Party Content or third-party services, including products or services offered by such entities, are solely between you and the third party. It is advisable to thoroughly review all pertinent terms and conditions linked with Third Party Content or third-party services, inclusive of privacy policies and terms of service. FairFigure is not accountable for any information you consent to share with third parties in connection with Third Party Content or third-party services.

Users have the option to instruct FairFigure to retrieve their personal information stored online by third parties with whom they maintain customer relationships, hold accounts, or conduct financial transactions (“Account Information”). FairFigure collaborates with one or more online service providers for accessing this Account Information. FairFigure does not assess the Account Information for accuracy, legality, or non-infringement. Furthermore, FairFigure is not liable for the Account Information or the products and services offered on third-party sites.

ACCOUNT INFORMATION FROM THIRD PARTY SITES

FairFigure cannot always predict technical or other challenges that may lead to the failure to obtain or loss of data, personalization settings, or other service disruptions. Responsibility cannot be assumed by FairFigure for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, communications, or personalization settings. For instance, when presented through the Services, Account Information is as current as the displayed time, indicating when the information was fetched from such sites. The information may be more up-to-date when directly acquired from the relevant sites. Users have the option to refresh their Account information through the Services, following the instructions provided.

RIGHTS GRANTED TO FAIRFIGURE

By providing information, data, passwords, usernames, PINs, and other login details, materials, and content to FairFigure through the Services, you grant FairFigure a license to use that content for the purpose of delivering the Services. FairFigure may utilize and retain the content in accordance with this Agreement and FairFigure’s Privacy Policy. You affirm that you have the right to submit it to FairFigure for this purpose without any obligation for FairFigure to pay fees or be subject to restrictions or limitations. When using the Services, you explicitly authorize FairFigure to access your Account Information from identified third parties on your behalf and permit such third parties to disclose your information to FairFigure. While using the “Budget Advisor” feature, you will be directly linked to the website of the identified third party. FairFigure will submit the information, including usernames and passwords, provided by you to log into the site. You hereby grant FairFigure a limited power of attorney and appoint FairFigure as your attorney-in-fact and agent, with the authority to access third party sites, retrieve and use your information, performing all necessary actions in connection with such activities as you could do in person. IT IS ACKNOWLEDGED AND AGREED THAT WHEN FAIRFIGURE IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, FAIRFIGURE IS ACTING AS YOUR AGENT, NOT ON BEHALF OF THE THIRD PARTY OPERATING THE SITE. You comprehend that the Services are not endorsed or sponsored by any third parties available through the Services. FairFigure is not liable for payment processing errors, fees, or other issues related to the Services, including those arising from inaccurate account information.

When connecting a business bank account to your FairFigure account or supplying business transaction data to FairFigure , you acknowledge that FairFigure is authorized to utilize transaction information for various purposes, such as reporting qualifying transactions or payment history to credit bureaus. You understand that FairFigure may report your transaction history to one or more credit bureaus, with no guarantee of future reporting. Eligibility for reporting may vary, and not all lenders consider scores influenced by FairFigure tradeline reporting. Certain transactions may be ineligible if another third party has already submitted such transaction data to the relevant credit bureau. Additionally, payments through peer-to-peer payment services or by paper check are excluded from eligibility.

NOT A FINANCIAL ADVISOR, BROKER, OR TAX CONSULTANT

THE SERVICES AND FAIRFIGURE ARE NOT DESIGNED TO PROVIDE FINANCIAL, LEGAL, OR TAX GUIDANCE. FAIRFIGURE DOES NOT OPERATE AS A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. The Services are primarily intended to aid you and your business in financial organization and decision-making and have a broad scope. Your business's financial circumstances are unique, and any information or advice acquired through the Service may not be suitable for your specific situation. Therefore, before making final decisions or implementing any financial strategy, it is advisable to seek additional information and advice from your accountant or other financial advisors who have a comprehensive understanding of your distinct circumstances.

FairFigure's online marketplace provides information about potential loan products that may be suitable for your business, based on the information you provide to FairFigure. FairFigure does not negotiate or assist in the application process on your behalf and does not receive compensation for offering marketplace offers. FairFigure is not a lender and is not involved in the loan-making business. FairFigure does not guarantee or promise to secure a loan for any individual or business. If you are approved and receive funds from a third-party service provider in FairFigure's online marketplace, you certify that the funds are for business purposes only and will be placed in a business account separate from any personal account.

TRADEMARKS

You acknowledge and agree that the name "FairFigure ," the FairFigure Logo, Page Headers, and other terms, phrases, graphics, logos, and icons are either common law or registered trademarks, service marks, and/or trade dress of FairFigure (collectively referred to as "Marks"). You agree not to use any such Content or Marks for any purpose without proper prior written authorization. The FairFigure Marks should not be used in connection with any product or service that is not affiliated with FairFigure , in a way that could cause confusion among customers, or in a manner that discredits FairFigure . All other trademarks, product names, or logos not owned by FairFigure and appearing on this Product Website are the property of their respective owners.

COPYRIGHTS

All content on this Product Website, including text, graphics, logos, button items, icons, images, and data compilation, is the property of FairFigure or its suppliers and is protected by United States and international copyright laws. Any software used on this site is the property of FairFigure or its software suppliers and is protected by United States and international copyright laws. Reproduction of such content, whether in whole or in part, is prohibited without prior consent.

PATENTS

Certain aspects of this website, along with features and services accessible from this website, may be covered by one or more U.S. Patent Nos: U.S. Patent No. PENDING.

ENTIRE AGREEMENT

These Terms and Conditions, the Privacy Policy, and any other policies posted by FairFigure constitute the entire Agreement between FairFigure and you regarding your use of the Product Websites (if applicable), the Products, and the Content. They supersede any prior versions of the Terms and Conditions. FairFigure may update these Terms and Conditions by posting revised ones on the Product Websites or by mailing an updated copy to your most recent address without notice, and your subsequent use of the Products, Product Websites, and/or Content is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by FairFigure . In the event of termination, the Intellectual Property, Disclaimers, and Limitations of Liability provisions outlined in these Terms and Conditions will persist. If any provision is deemed unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any legal force or effect.