Financial Fitness Terms of Use

By using the financial fitness dashboard service offered by us, Upstart Network, Inc. the servicer of your loan (“we”, “us”, “our”), including free products and services such as an educational credit score service (together the “Financial Fitness Services”), you are agreeing to the following terms and conditions related to the Financial Fitness Services. Please carefully read these terms and conditions.

The Financial Fitness Services include the following:
- The display of your credit score that we received from one credit bureau that is updated biweekly;
- Communications to you about your credit information;
- Your estimated credit card debt, which we determine from your credit report; and
- Customized articles and/or offers that may be of interest to you.

The Financial Fitness Services provided are estimates and are for educational purposes only. Credit related information used to provide the Financial Fitness Services is obtained from one credit reporting agency, Equifax Informations Services LLC, or other designated processing agent (“Processing Agent”). The credit information we present as part of the Financial Fitness Service may not be the same information that is used by someone else in deciding to offer you credit, or if you are eligible for a product or service or for employment. Information reported to credit bureaus is typically updated periodically and therefore there can be delays in it being included in your credit file. As such, information provided to you through the Financial Fitness Service will not always be completely up to date.

We are not a consumer reporting agency, credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law. Use of the Financial Fitness Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating. You can get a free credit report each year from Experian, Equifax, and TransUnion. For more information, go to You have the right to a free credit report from or (877) 322-8228.

Authorization for the Financial Fitness Services.
You must be at least 18 years of age to use the Financial Fitness Services, and you must be the subject of the credit report that you are seeking. You hereby authorize Upstart to do all of the following in connection with providing you the Financial Fitness Services: (i) request and obtain your consumer credit report, including your credit score from our Processing Agent throughout the term in which we provide you the Financial Fitness Services; such authorization constitutes "written instructions" in accordance with the Fair Credit Reporting Act; and (ii) use and retain your credit information to provide the Financial Fitness Services and use with other Upstart services that include substantially similar functionalities as these Financial Fitness Services.

You agree that we may use and analyze your information to:
- present you an overview of your credit profile, including detailed information where available;
-provide you with customized recommendations and general information about you; and
- serve you targeted ads and other communication based on your information.

We may also aggregate and evaluate your information to do statistical analysis to provide historical or comparative information and to improve our products and services.

Other Terms.In addition to these terms and conditions, your use of the Financial Fitness Service are also governed by the Upstart website Terms of Use, the Upstart Privacy Policy, and the Upstart Platform Agreement, each of which are incorporated into these term by reference.

Miscellaneous. Except as set forth above, these terms and conditions will be governed in all respects by the laws of the State of California, without regard to conflict of law provisions. We may amend these terms and conditions and will provide you with at least 30 days written notice of any material changes.

Any waiver of a breach of a provision, or failure or delay to enforce, any of these terms and conditions will not constitute a waiver of such term or condition or any subsequent breach. The headings in these terms and conditions are for reference purposes only and will not affect the interpretation of these terms and conditions in any way.

Last Modified: March 31, 2017