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 www.consumerfinance.gov/learnmore. You have the right to a free credit report from AnnualCreditReport.com or (877) 322-8228.
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.
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