Effective date: July 23, 2026 | Last updated: July 23, 2026
FairFigure Inc. • 299 Broadway, Suite 1900, New York, NY 10007 • +1 (866) 593-6690 • support@fairfigure.com
IMPORTANT: THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT, A CLASS-ACTION WAIVER, AND LIMITATIONS OF LIABILITY. PLEASE READ THEM CAREFULLY.
These Terms of Use (the “Terms”) are a binding agreement between you and FairFigure Inc. (“FairFigure,” “we,” “us,” or “our”). They govern your access to and use of fairfigure.com, related websites, mobile experiences, dashboards, communications, content, and products and services that link to these Terms (collectively, the “Services”).
By creating an account, clicking to accept, purchasing, or using the Services, you confirm that you have read and agree to these Terms and our Privacy Policy. If you use the Services for a business or other entity, you represent that you have authority to bind that entity; “you” includes that entity. If you do not agree, do not use the Services.
Product-specific disclosures, order pages, consent forms, partner terms, and other terms presented when you enroll are part of these Terms. If product-specific terms conflict with these Terms, the product-specific terms control for that product.
You must be at least 18 years old, reside in the United States, and be legally able to enter a contract.
You must provide accurate, current, and complete information and promptly update it.
You may access information about another person or business only with lawful authority and all required consents.
You are responsible for safeguarding credentials, restricting access to your account, and promptly notifying us of suspected unauthorized use.
We may require identity or business verification. We may reject, suspend, or terminate access if information is inaccurate, verification fails, activity appears unlawful or abusive, or continued access creates legal, security, or operational risk.
The Services may include personal or business credit information, risk scores, monitoring and alerts, bank-account and transaction insights, business review monitoring, reporting of eligible payment history or transactions, financial organization tools, and offers from third parties. Features and data sources may change.
Unless we expressly state otherwise, the Services and content are for educational and informational purposes. FairFigure is not a lender, consumer reporting agency, credit repair organization, broker, financial planner, investment adviser, attorney, accountant, or tax adviser. We do not guarantee credit approval, financing, score increases, tradeline reporting, or any particular business outcome.
Scores and reports may differ from those used by lenders, insurers, or other decision makers. Data may be delayed, incomplete, or obtained from third parties. Review important information directly with the relevant source before acting.
When you separately provide written instructions or another legally valid authorization, you authorize FairFigure and its service providers to obtain your consumer report, credit score, and related information from one or more consumer reporting agencies for the purposes described in that authorization, which may include identity verification, displaying credit information, credit monitoring, alerts, and presenting products or opportunities.
Your authorization continues for the period stated in the consent you provide or, if the consent describes ongoing monitoring, while that monitoring service remains active, unless you withdraw authorization or applicable law provides otherwise. A general acceptance of these Terms does not replace any separate authorization that applicable law requires.
You may dispute inaccurate information directly with the consumer reporting agency identified in your report. Accurate adverse information generally cannot lawfully be removed merely because it is adverse. You do not need to purchase a FairFigure product to obtain a free annual credit report or dispute information. Visit AnnualCreditReport.com or call 1-877-322-8228.
If you connect a bank, accounting, review, or other third-party account, you direct us and our providers (which may include Plaid or Layer) to access and use the information made available through that connection to provide requested features. We do not receive your credentials when the connection provider authenticates you directly, unless a particular integration expressly states otherwise.
You represent that you have the right to connect each account and grant us a limited license to access, use, reproduce, and process the connected information solely to provide, secure, improve, and support the Services and as described in our Privacy Policy. You may disconnect an account through available settings or by contacting support, but previously processed information may be retained as legally permitted.
Third-party information is provided by its source. We do not control its availability, accuracy, legality, or timeliness and are not responsible for third-party outages or changes.
If you enroll in an eligible reporting feature, you authorize FairFigure to use qualifying business-account and transaction information to report eligible payment history or transactions to one or more business credit bureaus. Reporting is not guaranteed, may begin or stop, and may not be recognized by every bureau, lender, or scoring model. Eligibility rules may exclude duplicate, unverifiable, peer-to-peer, paper-check, personal, or otherwise ineligible transactions.
Fees paid to FairFigure may appear as a business tradeline at participating bureaus. You are responsible for reviewing reported information and promptly using the dispute channel we provide for information you believe is inaccurate.
Some Services require a one-time or recurring fee. Before you enroll, we will clearly disclose the price, billing frequency, trial terms (if any), renewal term, material restrictions, and cancellation method. By affirmatively enrolling and providing a payment method, you authorize us to charge the disclosed amounts, plus applicable taxes, until you cancel.
Automatic renewal. Unless the offer states otherwise, monthly plans renew for successive monthly periods and annual plans renew for successive annual periods at the then-current price. We will provide confirmations and renewal or price-change notices when required by law.
Cancellation. You may cancel through the account or billing settings available in your dashboard, or by contacting support@fairfigure.com or +1 (866) 593-6690. Cancellation stops future renewals and ordinarily becomes effective at the end of the paid term. If you downgrade to a free plan and the interface clearly states that the downgrade is immediate, paid features may end immediately.
Refunds. Except as required by law or expressly stated at purchase, fees are nonrefundable after a paid term begins or a one-time product is delivered, and we do not provide prorated refunds. Cancel before the renewal date to avoid the next charge. If a free trial converts to a paid plan, the conversion date and price will be disclosed before enrollment.
If payment fails, we may retry the payment method, suspend paid features, or end the subscription. You remain responsible for amounts lawfully due.
You consent to receive agreements, disclosures, notices, alerts, statements, and other records electronically at the email address or through the account you provide. You may request a paper copy or withdraw consent by contacting us. Withdrawal may prevent us from providing an online-only Service but does not affect the validity of prior electronic records.
To retain electronic records, you need a current web browser, internet access, a device capable of viewing HTML and PDF files, and storage or printing capability. Keep your contact information current.
If you separately opt in, you authorize FairFigure and its service providers to send recurring automated marketing or informational calls or texts to the number you provide. Marketing consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to a text to opt out and HELP for help, or contact us. Transactional messages necessary to service your account may continue where permitted by law.
You represent that you are the subscriber or customary user of the number and will promptly notify us if the number changes. Carriers are not liable for delayed or undelivered messages.
You may use the Services only for lawful personal or internal business purposes. You may not:
access a consumer report, bank account, or other data without lawful authorization or a permissible purpose;
misrepresent identity, authority, eligibility, or account information;
scrape, harvest, resell, sublicense, or commercially exploit the Services or data except as expressly permitted;
reverse engineer, decompile, bypass, or interfere with security, access controls, rate limits, or technical protections;
introduce malware, automate abusive requests, or disrupt the Services;
use the Services to discriminate unlawfully, make an impermissible eligibility decision, commit fraud, or violate privacy, credit-reporting, sanctions, export-control, or other laws; or
infringe intellectual-property, privacy, publicity, or other rights.
The Services may display third-party offers, reviews, products, links, or integrations. Third parties are independent and their terms and privacy policies govern your dealings with them. FairFigure does not endorse or guarantee third-party content or eligibility. Unless expressly disclosed, FairFigure does not negotiate or complete a loan application for you and is not a party to a financing agreement.
Offer placement may be influenced by commercial relationships or compensation where disclosed. Any funds obtained through a business-financing offer must be used for business purposes if the applicable provider requires it.
The Services, software, designs, text, graphics, data compilations, trademarks, and other content are owned by FairFigure or its licensors and protected by law. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to use the Services for their intended purpose. No other rights are granted.
You retain ownership of content you submit. You grant FairFigure a worldwide, nonexclusive, royalty-free license to host, copy, process, transmit, display, and otherwise use that content as necessary to operate, secure, improve, and support the Services and comply with law.
We may add, change, suspend, or discontinue features. When reasonably practicable, we will provide notice of a material reduction to a paid Service. We may suspend or terminate access for breach, fraud, security risk, nonpayment, legal requirements, or discontinued Services.
If we terminate a paid account for convenience rather than your breach, we will provide a prorated refund for the unused prepaid period when required by law. Where feasible and lawful, we will provide a reasonable opportunity to export user-provided records before account closure. Sections that by their nature should survive will survive termination.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” FAIRFIGURE DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RESULTS. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.
Some jurisdictions do not allow certain disclaimers, so portions of this section may not apply to you. Nothing in these Terms limits non-waivable consumer rights.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAIRFIGURE AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITIES; OR THE COST OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THEIR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID FAIRFIGURE FOR THE RELEVANT SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100.
These limitations do not apply to liability that cannot lawfully be limited, including where applicable liability for gross negligence, willful misconduct, or personal injury caused by negligence.
To the extent permitted by law, if you use the Services for or on behalf of a business, that business will defend, indemnify, and hold harmless FairFigure and its affiliates, personnel, and providers from third-party claims, losses, and expenses (including reasonable attorneys’ fees) arising from the business’s unlawful use, submitted content, breach of these Terms, or violation of another’s rights. This obligation does not apply to the extent caused by FairFigure’s own misconduct.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY INDIVIDUAL ARBITRATION AND WAIVES JURY TRIALS AND CLASS OR REPRESENTATIVE ACTIONS.
Informal notice. Before filing a claim, the claimant must send a signed written Notice of Dispute describing the claimant, account, facts, legal basis, requested relief, and a personally signed certification that the information is accurate. Send notices to Legal & Compliance, FairFigure Inc., 299 Broadway, Suite 1900, New York, NY 10007, with a copy to support@fairfigure.com. The parties will attempt in good faith to resolve the dispute for 30 days after receipt. Any limitations period is tolled during that 30-day period.
Agreement to arbitrate. Except for an individual claim eligible for small claims court and a claim seeking only public injunctive relief where applicable law prohibits arbitration of that claim, you and FairFigure agree that any dispute arising out of or relating to these Terms, the Services, marketing, privacy, or the parties’ relationship will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules, as modified by this section. The Federal Arbitration Act governs.
The arbitrator may award the same individual remedies a court could award. The arbitrator will decide issues of arbitrability and enforceability, except a court will decide challenges to the class-action waiver. Hearings may be conducted remotely or in the county of your residence unless the parties agree otherwise. Fees will be allocated under the AAA rules, but FairFigure will pay amounts it is required to pay for this agreement to be enforceable.
Class-action waiver. Claims may be brought only in an individual capacity. Neither party may participate as a plaintiff or class member in a class, collective, consolidated, private-attorney-general, or representative proceeding, and an arbitrator may not combine claims of more than one person without all parties’ consent. If this waiver is finally held unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court after all arbitrable claims are completed.
30-day opt-out. You may opt out of this arbitration agreement by mailing a signed notice to the Notice address above within 30 days after you first accept these Terms. The notice must include your name, account email, mailing address, and an unequivocal statement that you opt out of arbitration. Opting out will not affect other Terms.
The Federal Arbitration Act governs the arbitration section. Otherwise, New York law governs these Terms, without regard to conflict-of-law principles, except that mandatory law of your residence applies when it cannot be waived. For disputes not subject to arbitration, you and FairFigure consent to the state and federal courts located in New York County, New York, unless applicable law requires another venue.
We may update these Terms. We will post the revised version and update the date above. If a change materially reduces your rights or increases your obligations, we will provide advance notice as required by law. Changes apply prospectively. Continued use after the effective date constitutes acceptance where permitted; if you do not agree, stop using the Services and cancel before the change takes effect.
These Terms, the Privacy Policy, and incorporated product terms are the entire agreement about the Services. If a provision is unenforceable, it will be modified only as much as necessary and the remainder will continue. A failure to enforce is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, reorganization, sale, or transfer of the Services. Headings are for convenience only.
FairFigure Balance may embed software owned by Layer Financial Technologies, Inc. (“Layer Software”). Layer Software is licensed, not sold, and may be used only as an integrated component of FairFigure Balance for your internal use. You may not copy, reverse engineer, decompile, disassemble, derive source code from, separately exploit, or permit unauthorized access to Layer Software.
Information may be disclosed to Layer to provide the feature, subject to the Privacy Policy, FairFigure’s services agreement with Layer, and applicable law. Your right to use Layer Software ends when the applicable services agreement or feature terminates. You must comply with U.S. export and sanctions laws. Layer may enforce these end-user terms as an intended third-party beneficiary.
FairFigure Inc.
299 Broadway, Suite 1900
New York, NY 10007
Email: support@fairfigure.com
Phone: +1 (866) 593-6690
© Copyright 2026 FairFigure. All Rights Reserved. FairFigure is a financial technology company, not a bank. Where available, banking services and deposit insurance eligibility are subject to the terms and conditions of the applicable partner institution.