Score Connection - Terms of Service

Score Connection Terms and Conditions

These terms (“Terms” or “Agreement”) shall constitute the agreement between Score Connection, Inc “Score Connection” (“we,” or “us,”), a Florida corporation providing a credit monitoring service called (“CM”), and you (“You”), the end user of this service. Score Connection, together with any and all other services or products offered hereunder, shall be referred to as “SC”. By enrolling in SC, You agree to be bound by these Terms.

WITNESSETH:

1. SERVICE –

SC will enable You to access a new credit report relating to your credit file from the three major credit reporting agencies every 30 days following the date that You first access your credit report through the SC service; a copy of your personal credit scores; Credit Score Alert notifications; credit related tips; mobile and PC secure browsing; and in-app message interface and support email to assist You in answering product and resolution-related questions. (b) SC reserves the right to change or modify the terms and conditions of this Agreement at any time and without notice. Changes and modifications will be incorporated into the terms and conditions of this Agreement posted on the SC website. SC may cancel this Agreement upon written notice and refund of the current term's membership fee unless the reason for such cancellation is your failure to pay or your misuse of SC.

2. WHO MAY USE –

(a) You agree that You will use SC only for your own behalf. You will be responsible for all use of your membership and must notify SC immediately of any unauthorized use of your membership, or the theft or misplacement of your membership. (b) You understand that by enrolling in the SC service, You are providing "written instructions" in accordance with the federal Fair Credit Reporting Act, as amended ("FCRA"), for SC and its service providers, to obtain information from your personal credit profile from Experian®, Equifax®, and TransUnion®, the three major credit reporting agencies. You authorize SC and its service providers to use your Social Security number to access your personal credit profile, to verify your identity, and to provide credit monitoring, reporting and scoring products.

3. LIABILITY –

NEITHER SC, NOR ANY OF ITS RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF: YOUR PERSONAL CREDIT REPORT OR CREDIT SCORE. NEITHER SC, NOR ANY OF ITS RESPECTIVE AFFILIATES MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY OF THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH THE SC SERVICE. NEITHER SC, NOR ANY OF ITS RESPECTIVE AFFILIATES ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE SERVICES OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE SERVICES. NEITHER SC, NOR ANY OF ITS RESPECTIVE AFFILIATES ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID SC FOR YOUR MEMBERSHIP. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, SCNCELLATION, OR EXPIRATION OF THIS AGREEMENT.

4. GOVERNING LAW –

This Agreement, and the respective rights and obligations of the parties hereunder, shall be governed by, and construed in accordance with, the laws of the State of Florida. The terms of this Section shall survive any termination, cancellation or expiration of this Agreement.

5. ARBITRATION –

You, on the one hand, and SC, and it’s respective affiliates, on the other, agree that any claim or dispute ("Claim") between us shall, at the election of any one of us, be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its rules for consumer arbitrations. It is the parties' intent that this arbitration provision be construed broadly, including that this arbitration agreement include any Claims by You against SC and well as its respectives affiliates for claims arising out of this Agreement directly related to the services or product/service websites. However, any disputes or claims you may have which relate to your credit report, or any claims arising out of or relating to the Fair Credit Reporting Act (“FCRA”) and/or the FCRA’s state law equivalent(s), are not subject to or governed by this agreement to arbitrate. You agree that, by entering into this Agreement, You and SC are each waiving the right to a trial by jury or to participate in a class action. At your request, we will pay the first $200 of your arbitration fees. You will be solely responsible for your arbitration fees and costs in excess of $200, subject to the applicable AAA Rules. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim. YOU, ON the ONE HAND, AND SC ON THE OTHER, AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL SCPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both You and SC agree otherwise, the arbitrator may not consolidate more than one person's Claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision in the preceding sentence is found to be unenforceable, then the entirety of this arbitration provision in this Section 5 shall be null and void. Notwithstanding any of the foregoing provisions, any party may bring an individual action in small claims court. The parties to this Agreement acknowledge that this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"). Judgment upon any arbitration award may be entered in any court having jurisdiction. The arbitrator shall follow substantive law to the extent consistent with the FAA and shall honor any claims or privileges recognized by law. The terms of this Section 5 shall survive any termination, cancellation or expiration of this Agreement.

6. MEMBERSHIP FEE –

For your convenience, your membership fee will be automatically billed to the credit or debit card account (or to the related checking account) you designated when you enrolled in CM (designated the billing source), in accordance with the billing terms furnished to you upon your enrollment in SC.

7. RIGHT TO CANCEL MEMBERSHIP –

We will charge you the monthly credit monitoring subscription each time we deliver you your updated 3-bureau credit report and scores. Once we charge your monthly subscription and provide your updated 3-bureau credit reports and scores we will be unable to provide a refund on the rendered services. If you do not wish to be charged for another month of credit monitoring, you have the right to cancel this Agreement at any time. You may cancel this Agreement by emailing hello@scoreconnection.com, or communicating with our team via our in-app message interface. If SC determines it is unable to bill the membership fee due hereunder to your designated billing source, SC shall have the right to terminate this Agreement in which event you will no longer have access to any of the SC benefits.

8. ELECTRONIC COMMUNICATIONS –

By enrolling in SC, You agree to the terms and conditions of this Agreement and agree that any and all disclosures and communications from SC regarding benefits or this Agreement may be made to You electronically in accordance with the notice provisions of this Agreement. SC, at its option, may communicate with You regarding the service by mail, by telephone, including text messages, or by electronic communications. SC may communicate with You electronically by means of electronic mail to the email address You provide when You enroll for the service and/or by postings to the service website. SC may communicate electronically to You the following types of communications: Terms and Conditions (including any amendments thereto), notices or disclosures regarding the service, payment and billing authorizations, and other matters relating to your use of the service. Your continued enrollment in the SC service will constitute Your consent to amendments to the SC Terms and Conditions.

9. CREDIT REPORTS IMPORTS –

You will have the ability to automatically import your Score Connection credit report into software systems with a variety of companies in the marketplace. At any point you can disconnect this import feature by logging into your account with Score Connection.