Marketing texts require opt-in and may incur carrier charges
You may opt in to marketing texts. Message frequency varies; Credit Karma does not charge for the service, but your carrier’s message and data rates may apply.
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You may sign up (opt in) to receive marketing text message communications from us. Message frequency may vary. Credit Karma does not charge for this service, however, your wireless carrier’s message and data rates may apply.
You may cancel at any time by replying STOP. Credit Karma sends a confirmation and stops messages from that particular shortcode. You must opt in through customer preference settings to restart. Text HELP for assistance instructions. This is a shortcode-specific opt-out, not a promise to stop every communication.
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You can cancel (opt out of) this service at any time by texting “STOP” in response to the text message you received. If you text “STOP”, we will send a confirmation text message confirming that you have successfully unsubscribed and you will no longer receive text messages from that particular shortcode. To sign back up, you will need to opt in through your customer preference settings. For help, text “HELP” and we will respond with instructions as to how to receive additional assistance.
Credit services are free and membership can be deactivated
Credit Karma provides scores, reports and monitoring without charge. You control whether and how to use its information and may deactivate membership at any time without penalty or obligation. Deactivation does not erase terms that by their nature survive termination.
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You control if, when and how you use the Services and information Credit Karma provides. Credit Karma provides credit scores, reports, monitoring, at no cost to you. You may deactivate your Credit Karma membership at any time without penalty or obligation.
any section of the Agreement that by its nature is intended to survive termination of the Agreement or your use or access to our Services or our Content will survive such termination.
Account & Service Control · Procedure
Account deactivation and stopping use end the Agreement, with surviving terms
The Agreement lasts until the member account, if any, is deactivated by you or Credit Karma and you stop all service use. Terms intended by their nature to survive remain effective. You can deactivate through the linked help page; another clause permits deactivation at any time without penalty or obligation, without eliminating those surviving terms.
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The Agreement is effective until your member account, if applicable, is deactivated by either you or Credit Karma and you discontinue all use of our Services. Notwithstanding the foregoing, any section of the Agreement that by its nature is intended to survive termination of the Agreement or your use or access to our Services or our Content will survive such termination.
If you decide you want to deactivate your account you can do so by visiting our help page.
You may deactivate your Credit Karma membership at any time without penalty or obligation.
For Mac App Store downloads, Credit Karma is the contracting provider
The Apple-specific terms apply if you downloaded the app from the Mac App Store. The Agreement is with Credit Karma, which is solely responsible for the app and its content; Apple is not the contracting provider.
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If you downloaded the Credit Karma app (the “App”) from the Mac App Store, the following terms also apply to you:
You acknowledge that this Agreement is between you and Credit Karma only, and not with Apple, and Credit Karma, not Apple, is solely responsible for the App and its content.
Cross-references
contrast (model-proposed): Apple can enforce the Agreement as a third-party beneficiary — Apple is not the contracting provider under the Mac App Store clause, but is expressly granted third-party-beneficiary enforcement rights. These clauses allocate different roles rather than contradicting one another.
Credit Karma handles maintenance and support for Mac App Store apps
For Mac App Store downloads, Credit Karma is solely responsible for any maintenance and support services. Apple has no obligation to supply them. This allocation does not specify a support level or response time.
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If you downloaded the Credit Karma app (the “App”) from the Mac App Store, the following terms also apply to you:
Credit Karma and not Apple is solely responsible for providing any maintenance and support services. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.
Services covers products and services operated by Credit Karma, LLC or its subsidiaries, including site and app content, tools, data and software, subject to separate or additional terms posted for particular sites or apps. Listed features include free credit reports, scores and monitoring, partner offers, education and community reviews.
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When we refer to our “Services,” we mean all products and services owned and operated by Credit Karma, LLC or any of its subsidiary companies (collectively, “Credit Karma,” “we,” or “us”), including the content, features, tools, data, software and functions made available by Credit Karma through www.creditkarma.com, our mobile applications, and other websites or applications we operate, unless those websites or applications have posted separate or additional terms of service.
We provide you with free credit reports and scores from one or more of the major credit bureaus, along with free credit monitoring and ID monitoring.
Credit Karma reserves sole discretion to add, modify, suspend or discontinue services, or terminate your access to some or all of them.
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We reserve the right in our sole and absolute discretion to make changes to how we operate and provide our Services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of our Services.
Account & Service Control · Restriction or exception
Membership is optional but required for many features
Registration is optional, but an account is needed for many features such as personalized offers, credit reports, scores and monitoring. Registering certifies that you are at least 18, have a valid U.S. Social Security number and are registering only for yourself.
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You will need to register for a Credit Karma member account to access many aspects of our Services, like your free credit scores, credit reports, credit monitoring, ID monitoring, and personalized offers for products and services from our partners.
You are 18 years of age or older
You have a valid U.S. Social Security number
You are only registering an account for yourself
Account & Service Control · Restriction or exception
Keep account information accurate and current
By registering, you certify that information supplied now and later will be true, accurate, current and complete, and agree to keep it up to date.
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Any information you provide to us, both when you register and in the future, is and will be true, accurate, current and complete