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Terms and Conditions/Disclaimer

Please read and review the terms and conditions set forth below before using this site. If you do not agree with any of the terms and conditions, which govern use of the site for any reason, you should not use the site. Please read and review the terms of use each time you use the site for the most current information. The continued use of this site after notices or changes and modifications have been made to the terms of use shall be deemed to be your acceptance of any changes, updates, modifications or deletions, including product or service changes. By accessing this site or purchasing products and services you accept the terms of the various products or services noted on this site. This includes all products supplied by affiliates or marketing partners of ReliaCredit/Digital e Group, Inc. (“Digital”).

Copyrights and Trademarks

The entire content of this website is copyright ” 2002 ReliaCredit/Digital e Group, Inc., all rights reserved worldwide. No part of the Digital web site may be reproduced, reverse-engineered, modified, or distributed in any form or manner without prior written permission of Digital. The logos and graphics including How’s Your CreditSM Protect Your Credit. Protect Your Future! SM and ReliaCreditSM constitute registered trademarks and/or service marks of Digital. No logo, graphic, or image from this web site may be copied or re-transmitted without the express written permission of Digital. Digital may also claim trademarks and/or servicemark rights in other marks contained in these web pages. Identity GuardSM and Notify ExpressSM are registered service marks of Intersections Inc. (“Intersections”) Equifax is a Registered trademark of Equifax Information Services, LLC. TransUnion is a registered trademark of TransUnion, LLC; Experian is a registered trademark of Experian Information Solutions, Inc.

Digital Link Policy

As relates to authorized affiliates only, you are given a limited, non-exclusive right to create a hypertext link to the ReliaCredit.com home page, or specific product pages, provided that said link does not present or portray Digital or any of its services, affiliates, third-party marketing partners, private label clients or any of the credit reporting agencies (“CRA’s”) in a fraudulent, false, misleading, defamatory, negative or otherwise derogatory manner. Notwithstanding the same Digital may revoke any such right to such linking for any reason in it’s discretion, including the reasons set forth herein, the breach of any of the terms and conditions set forth herein or other requirements set forth on this site. Except as otherwise permitted in writing, you may not utilize, frame, replicate, modify, or enclose any of the Digital trademarks or service marks or any logo layout/text or design from any page or portion of this website in any capacity.

No Warranty

Digital does not warrant the information and materials contained in these pages or the content of the credit reports purchased online or through any other means. The terms, conditions and descriptions that appear are subject to change. The information contained in this site including text, graphics, links or other items are provided “as-is” and “as-available.” Digital does not warrant the secure access to this site or its availability for access. Digital disclaims any and all warranties, express or implied. Information contained in any of the credit reporting agency files, or the composite, merged or raw data that you receive as part of any credit report is provided on an “as is” and “as-available” basis. Digital does not warrant or guaranty, and expressly disclaims any warranty of the accuracy, completeness, or merchantability, or fitness for a particular purpose, non-infringement by or non-interference with any of the credit information, whether aggregated or otherwise, or any other information contained in the credit report files or any composite report that you receive as part of the products provided on this website.

Jurisdiction, Venue and Choice of Law

The use of this site, or any linked site by clients and customers or other third-parties shall not confer jurisdiction, venue or any other means by which to file a legal action against Digital in any jurisdiction other than the courts situate in Palm Beach County, Florida. Use of this site shall constitute consent to the jurisdiction of the courts named above concerning any dispute concerning Digital and the products and services it provides or makes available on this site. The content of this site shall be inadmissible in any legal proceeding except to enforce the jurisdiction and venue clauses set forth herein. This agreement and the terms of use shall be governed under the laws of the State of Florida and applicable federal law, without regard to conflicts of laws and related provisions.

Qualifiers

You must be at least 18 years of age or have an established credit file in the U.S., be a U.S. citizen or permanent resident alien and/or have a valid social security number and be able to present sufficient verifiable personal data to effectuate access to a consumer credit reports or related services. Digital is not responsible for the inability of a customer to obtain products and services on this site due to negligence, submission of outdated or incorrect identifying data, submission of outdated address information or the general lack of knowledge of current identifiers necessary to obtain the desired reports or services offered herein.

Identifying Information/Warranty/Improper Use

By using this site you agree that all personal identifying information supplied as part of the purchase of products and services is true and correct.

Fair Credit Reporting Act and other Federal laws

The Fair Credit Reporting Act (“FCRA”) permits the disclosure of information contained in a consumer credit report. Digital is not a credit reporting agency (“CRA”) as defined under the FCRA. Credit reports, composite reports or information contained therein is provided through Intersections, Equifax, Experian and Trans-Union as requested through this site. As noted below the FCRA provides that in certain instances your credit report may be provided free of charge. You are not required to purchase your credit report in order to dispute inaccurate information or to receive said reports from Equifax, Experian or Trans-Union under the provisions of the FCRA which provide for the reports to be provided free of charge. The Fair Credit Reporting Act grants consumers other important rights regarding credit, credit files, and related matters. By law, you have the right to:

Know what your credit file contains.
Be told by a credit reporting agency the nature, substance, and sources of the information.
Receive a free copy of your credit file if you are denied credit, insurance, or employment, or are unemployed, a recipient of public welfare assistance, or believe you have been the victim of fraud.
Review your credit file in person.
Take someone (lawyer, friend, relative, etc.) with you to review your file.
Have disputed information investigated within 30 days.
Have inaccurate information deleted.
Have information deleted that cannot be verified.
Know who has received your credit file in the past year (or two years for employment purposes).
Include a brief written statement as a permanent part of your credit file.
Have derogatory, credit-related information deleted after seven years.
Have listing of bankruptcy deleted after 10 years (successfully completed Chapter 13 deleted after seven years.)
Be notified if a company has requested an investigative report about you.
Know the nature and the substance of the investigative report but not the sources.
Know the name and address of the credit reporting agency responsible for preparing a credit file used to deny you credit, insurance, or employment, or to increase the cost of your insurance or credit.
Request more information about the nature and the scope of an investigation from a company pursuing an investigative report.
Have your name and address excluded from Òpre-approvedÓ offer lists.

The Federal Trade Commission regulates credit-reporting agencies:
Federal Trade Commission (FTC) Consumer Response Center
600 Pennsylvania Ave. N.W.
Washington, D.C.
(877) FTC-HELP (382-4357)

Notice to Illinois Residents: Many government records are available free or at nominal cost from government agencies. Credit reporting agencies are required by law to give you a copy of your credit report upon request at no charge or for a nominal fee.

The states of Massachusetts, Vermont, Colorado, Maryland, and New Jersey permit consumers to obtain one (1) credit file per credit reporting agency per year, free of charge

The state of Georgia provides consumers the ability to obtain two (2) credit files per reporting agency per year.

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ReliaCredit is committed to protecting the privacy of consumers. We will not disclose any information about you to any outside third party unless it is for the express purpose of delivering our products and services to you or unless it is required by law. Therefore, we will not disclose, sell, resell or share your credit information, nor any data derived in our interaction with you, to other organizations and/or individuals for any purpose, including advertising. ReliaCredit.com - Save money, Know your credit!