Credit Karma content may be used only within the services
Content includes material provided by Credit Karma or generated through its services, with rights belonging to Credit Karma, licensors or respective owners. You may use it only on the services. Copying, modifying, selling, redistributing, reposting, making derivative or collective works or transmitting it requires express prior written consent; unstated licences are not granted.
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All content and materials, including but not limited to images, text, visual interfaces, information, data, and computer code, provided by us or generated through our Services (our “Content”) and all related intellectual property rights are the property of Credit Karma and third-party licensors, and/or the respective owners of such rights.
You are permitted to use our Content only on our Services and you may not copy, modify, sell, reproduce, distribute, republish, display, post, create derivative or collective works from, or transmit in any form (including in-line linking or mirroring) our Content, in whole or in part, without our express prior written consent.
Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to use our Content except as expressly stated in the Agreement.
Cross-references
contrast (model-proposed): Posting gives Credit Karma a lasting, transferable content licence — Users grant Credit Karma broad rights over submitted Community Content, while use of Credit Karma’s own Content is restricted to the services absent written consent. These are distinct grants over different content, not conflicting ownership claims.
Content & IP Rights · Restriction or exception
Reverse engineering and reverse compilation are prohibited
You may not reverse engineer or reverse compile the services or the technology operating them.
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You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services.
Content & IP Rights · Restriction or exception
Displayed partner IP does not come with reuse rights
Displaying partner names, logos or other intellectual property does not grant a licence to copy, modify, sell, redistribute, publish, display, create derivative works from or transmit it.
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Our Services may also display certain intellectual property, such as company, product, and service name and logos, that is owned by our partners (our “Partners’ Intellectual Property”). Nothing in the Agreement or our Services grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, republish, display, post, create derivative works from or transmit in any form (including in-line linking or mirroring) any of our Partners’ Intellectual Property.
Content & IP Rights · Procedure
Report claimed copyright infringement to the copyright agent
You may not infringe third-party rights through the services. If you believe in good faith that company or community content infringes your copyright, you may send a DMCA notice to DMCA@creditkarma.com or Copyright Agent, Legal Department, Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604. The terms link to the DMCA for notice requirements and procedures, which are not reproduced here.
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You may not use our Services in any manner that infringes the rights of any third party. If you believe, in good faith, that any of our Content or Community Content infringes your copyrights, you may send a notice of infringement (“Notice”) under the federal Digital Millennium Copyright Act (“DMCA”) by email or regular mail to: Attention: Copyright Agent, Legal Department Credit Karma, LLC P.O. Box 30963 Oakland, CA 94604 DMCA@creditkarma.com
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The linked DMCA text is not supplied here; this card does not state its detailed notice requirements.
Content & IP Rights · Permission or license
Repeated infringement allegations may result in blocking
Credit Karma reserves discretion to block or otherwise prohibit an individual who repeatedly posts material alleged to infringe others’ intellectual property. The clause refers to allegations, not only proven infringement.
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Credit Karma reserves the right to block or otherwise prohibit in our sole discretion any individual who repeatedly posts materials that are alleged to infringe the intellectual property rights of others.
Content & IP Rights · Restriction or exception
Community submissions must follow the linked rules
Community Content includes messages, reviews, photos, videos, images, data and text submitted through community features. You must follow the Community Rules when publishing, uploading or submitting it. Those separate rules are linked but not supplied here.
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We may provide you and others with the opportunity on our Services (through forums, blogs, message boards, review pages, and similar features) to submit, post, and publish certain content and materials, including messages, reviews, photos, video, images, data, and text (“Community Content”). You must abide by the Our Community Rules when publishing, uploading, or submitting your Community Content.
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The linked Community Rules text is not supplied here; its individual posting restrictions cannot be stated from this source.
Content & IP Rights · Permission or license
Posting gives Credit Karma a lasting, transferable content licence
Submitting, posting or publishing Community Content grants Credit Karma a non-exclusive, unrestricted, perpetual, irrevocable, transferable, sublicensable and royalty-free licence. It covers hosting, publication, modification, derivative and collective works, distribution and other uses in existing or future formats, to provide, optimize, improve and market the services and create new products or services. This is a licence, not a transfer of ownership.
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By submitting, posting, or publishing your Community Content on or through our Services, you grant to Credit Karma a non-exclusive, unrestricted, perpetual, irrevocable, transferable, sub-licenseable, royalty-free license to publish, host, store, transfer, distribute, modify, create derivative and collective works from, reproduce, display, perform, transmit, process, or otherwise use, in any manner and for any purpose, and in all forms or distribution methods now known or later developed, your Community Content, in whole or in part, to provide, optimize, improve, and promote or market our Services, and to create new products and services.
Cross-references
contrast (model-proposed): Credit Karma content may be used only within the services — Users grant Credit Karma broad rights over submitted Community Content, while use of Credit Karma’s own Content is restricted to the services absent written consent. These are distinct grants over different content, not conflicting ownership claims.
The content licence includes unpaid identity use and searchable publication
The community-content licence includes using your name, persona, username and likeness without payment and publishing your content in a searchable form accessible to service users. Other users also receive a non-exclusive licence to access and use your content in connection with the services.
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This license includes the right to use your name, persona, username, and likeness without compensating you. This license also includes the right to publish your Community Content in a searchable format that may be accessed by other users of our Services. You also grant to other users of our Services a non-exclusive license to access and use your Community Content in connection with our Services.
Content & IP Rights · Restriction or exception
You must have rights to the content you submit
You are solely responsible for your Community Content. Posting represents and warrants that you own it or hold the rights, consents and permissions needed to authorize Credit Karma and other users’ use, and that it complies with the Community Rules.
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You are solely responsible for the Community Content that you submit, post, or publish via our Services. By submitting, posting, or publishing Community Content, you represent and warrant that (a) you are the creator and owner of the Community Content, or have the necessary licenses, rights, consents, and permissions to authorize us and other users to use your Community Content , and (b) your Community Content complies with our Community Rules.
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The separate Community Rules text is not supplied here; this card covers the promise to comply, not their detailed requirements.
Content & IP Rights · Permission or license
Credit Karma may change or remove community content without notice
Credit Karma may review, monitor, edit, distribute, block, alter or remove Community Content for any reason in its sole discretion, without notice. It lists legal compliance, enforcing the Agreement and protecting people or property as examples. It has no obligation to perform this moderation.
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Credit Karma may, but is not obligated to, review, monitor, edit, control, distribute, refuse to distribute, block access, re-format, alter, delete, or remove Community Content for any reason, including to satisfy applicable law, enforce the Agreement (including our Community Rules), or protect the rights, property or safety of Credit Karma, Credit Karma users, or any third party, in each case without notice and in our sole and absolute discretion.
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The linked Community Rules text is not supplied here; this card does not specify their moderation standards.
Content & IP Rights · Permission or license
Feedback carries a lasting licence, including identity use
Providing comments, suggestions or improvement feedback grants a non-exclusive, unrestricted, perpetual, irrevocable, transferable, sublicensable, royalty-free licence to use it to provide, improve, optimize and market the services or create new ones. Credit Karma may use your name, persona, username and likeness for these purposes without payment, in accordance with the Privacy Statement.
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By submitting, posting, or otherwise providing us your Feedback, you hereby grant us a non-exclusive unrestricted, perpetual, irrevocable, transferable, sub-licenseable, royalty-free license to use your Feedback in any manner and for any purpose to provide, optimize, improve, promote or market our Services, and to create new products and services.
This license includes the right to use your name, persona, user name, and likeness for the foregoing purposes without compensating you, all in accordance with our Privacy Statement.
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The linked Privacy Statement text is not supplied here; this card cannot specify its additional limits.
Content & IP Rights · Permission or license
Mac App Store licence is limited to products you own or control
For a Mac App Store download, you receive a limited, non-transferable app licence for a Mac product you own or control, as allowed by the store’s Usage Rules.
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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:
The license granted to you for the App is a limited, non-transferable license to use the App on Mac product that you own or control and as permitted by the Usage Rules that are part of the terms of service in the Mac App Store.
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The Mac App Store Usage Rules text is not supplied here; no further licence conditions are inferred.
Credit Karma handles third-party claims that the Mac app infringes IP
For a Mac App Store download, if a third party claims the app or your possession and use infringes its IP, Credit Karma is solely responsible for investigating, defending, settling and discharging that claim as between Credit Karma and Apple.
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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, in the event of any third party claim that the App or your possession and use of the App infringes that third party’s intellectual property rights, Credit Karma, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.