Credit Karma says you are responsible for all User Content you create. These rules cover reviews, the advice center and other user forums. The separate Terms of Use define User Content; that definition is not supplied on this page.
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Keep in mind that you are responsible for all User Content you create (as defined in our Terms of Use) and Credit Karma’s user forums are intended to be open to the public, so please act accordingly.
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The linked Terms of Use text is not supplied here; the full User Content definition cannot be determined from this page.
Credit Karma says its user forums are intended to be open to the public and asks you to act accordingly when posting. This describes the intended audience; it does not promise that every post will be visible to everyone.
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Credit Karma’s user forums are intended to be open to the public, so please act accordingly.
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qualified by (model-proposed): Do not publish anyone’s private or confidential information — The forums are intended to be public, but participants still must not publish anyone’s private or confidential information. The public audience does not remove that posting restriction.
If you notice a violation of these User Content Rules, you may report it with the flag buttons located throughout the Services. This page does not promise a response time or a particular action on a report.
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If you notice any violations of these User Content Rules, you may report such abuse by clicking on the flag buttons located throughout the Services.
Do not impersonate others or post misleading content
You must not misrepresent yourself, impersonate others, or submit User Content that is false, deceptive or inaccurate, or likely to mislead, deceive or confuse others. The rule reaches misleading content as well as false identity claims.
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Do not misrepresent yourself, impersonate others, or otherwise submit User Content that is false, deceptive, inaccurate, or that is likely to mislead, deceive or confuse others.
Content & IP Rights · Restriction or exception
You need the rights to post content and grant the required license
You must own or have all necessary rights to post, submit or display your User Content, including photos and video, and to grant Credit Karma the license described in its Terms of Use. This page refers to that license but does not supply its scope or duration.
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You must own or have all necessary rights to post, submit or display your User Content (including photographs and video) and to grant us the license to use such User Content as described in our Terms of Use.
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The separate Terms of Use license is not supplied; its scope and duration cannot be determined from this page.
Suspected infringement can lead to investigation or removal
Credit Karma reserves the right to investigate or remove User Content that it believes, in its sole discretion, may infringe copyright, trademark or other intellectual property rights. The stated trigger is suspected infringement; the rule does not require a confirmed violation before removal.
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We reserve the right to investigate and/or remove any User Content that we believe, in our sole discretion, may infringe someone’s copyright, trademark, or other intellectual property rights.
Do not publish anyone’s private or confidential information
You must not publish any person’s private or confidential information. Examples include addresses, phone numbers, credit card or other financial account numbers, and Social Security Numbers. These examples do not limit the rule to those types of information.
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Do not publish any person’s private or confidential information, such as addresses, phone numbers, credit card or other financial account numbers, or Social Security Numbers.
Cross-references
qualifies (model-proposed): User forums are intended to be public — The forums are intended to be public, but participants still must not publish anyone’s private or confidential information. The public audience does not remove that posting restriction.
Content & IP Rights · Restriction or exception
Threats, harassment and identity-based disparagement are prohibited
You must not post content that threatens, abuses, harasses or bullies others. Content also must not disparage others based on race, ethnicity, national origin, religion, gender, gender identity or expression, sexual orientation, military or veteran status, disability, marital status or age.
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Do not post User Content that threatens, abuses, harasses or bullies others. Your User Content may not disparage others on the basis of race, ethnicity, national origin, religion, gender, gender identity, gender expression, sexual orientation, military or veteran status, disability, marital status or age.
Content & IP Rights · Restriction or exception
Graphic violence, explicit sexual content and obscenity are prohibited
You must not post content depicting or promoting graphic or gratuitous violence, including violence to animals. Content containing sexually explicit or pornographic material, or obscene, profane or otherwise objectionable material, is also prohibited.
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Do not post User Content that depicts or promotes graphic or gratuitous violence, including violence to animals, that contains sexually explicit or pornographic material, or that includes obscene, profane or otherwise objectionable material.
Legal Rights & Agreement Rules · Restriction or exception
Services cannot be used to promote or commit illegal acts
You may not use any Credit Karma Services, including its User Forums, to promote or commit illegal acts or otherwise further criminal activity. This rule expressly covers the Services beyond forum posts.
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You may not use any of our Services, including our User Forums, to promote or commit illegal acts or otherwise in furtherance of criminal activity.
Legal Rights & Agreement Rules · Permission or license
Possible rule violations may be reported to law enforcement
In response to User Content that may violate these Rules, Credit Karma reserves the right to take any action it considers appropriate in its sole discretion, including reporting to law enforcement. Although this statement appears under illegal activity, its wording covers possible violations of the Rules generally. It does not promise that every violation will be reported.
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We reserve the right to take any action we deem appropriate in our sole discretion, including reporting to law enforcement, in response to User Content that may violate these Rules.
You must not use Credit Karma’s User Forums to spam others. The rule includes posting unwanted commercial, advertising or promotional materials.
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Don’t use our User Forums for spamming others, including posting unwanted commercial, advertisement or promotional materials.
Security & Safeguards · Restriction or exception
Malicious technology and phishing are prohibited
Your content must not contain viruses, Trojan horses, spyware, malware or other malicious technologies that could damage the Services or Credit Karma’s or others’ computers, networks or devices. You also must not use either User Content or the Services for phishing or similar scams.
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Your User Content may not contain viruses, Trojan horses, spyware, malware or other malicious technologies that could damage the operation of the Services or computers, networks, or other devices of Credit Karma or others. Further, you may not use User Content or the Services for phishing or similar scams.
Legal Rights & Agreement Rules · Context
Using the Services means agreeing to these content rules
This page says that, in accordance with the Terms of Use, using the Services means agreeing to follow these rules for User Content and use of the user forums. The separate Terms of Use are referenced but not reproduced here.
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In accordance with the Terms of Use, by using our Services, you agree to follow these rules with respect to User Content and your use of our various user forums.
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The linked Terms of Use text is not supplied here; this card cannot explain its other conditions for using the Services.
Legal Rights & Agreement Rules · Permission or license
Credit Karma reserves the right to change these rules
Credit Karma reserves the right to change the rules from time to time and asks you to check this page for the latest version. This page does not specify an advance notice period or promise individual notice of changes.
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Please check back here for our latest rules, as we may need to change them from time to time and reserve our right to do so.