Legal Rights & Agreement Rules · Restriction or exception
Texts may be unavailable or fail to arrive
Texts may not be available on every wireless carrier. The terms disclaim Credit Karma’s and carriers’ liability for delayed or undelivered messages, while preserving non-waivable statutory rights and remedies.
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Credit Karma and wireless carriers are not liable for delayed or undelivered messages. Text message communications may not be available for all wireless carriers.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Access is restricted by jurisdiction
Credit Karma operates from the U.S. and does not warrant suitability elsewhere. Access is forbidden where it would violate local law or regulation, or subject Credit Karma to that jurisdiction’s laws or registration requirements. Credit Karma may limit availability to people or regions at any time in its sole discretion.
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We control and operate our Services from the United States and we make no representations or warranties that the information, products, or services provided through our Services, or our Content (defined below), are appropriate for access or use in other jurisdictions. You are not permitted to access or use our Services in any jurisdiction or country if it would be contrary to the law or regulation of that jurisdiction or if it would subject us to the laws of, or any registration requirement with, such jurisdiction. We reserve the right to limit the availability of our Services or the provision of any of our Content to any person, geographic area, or jurisdiction, at any time and in our sole and absolute discretion.
Legal Rights & Agreement Rules · Restriction or exception
Do not obtain consumer information under false pretenses
You must obey applicable laws and may not use the service to obtain reports, scores or other consumer information under false pretenses or in violation of the Fair Credit Reporting Act or applicable state or federal law.
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You must comply with all applicable laws when using our Services. You are not permitted to use our Services to obtain any consumer credit report, score or other consumer information under false pretenses or in violation of the Fair Credit Reporting Act or applicable state or federal law.
Legal Rights & Agreement Rules · Restriction or exception
Third-party dealings carry their own terms and responsibilities
Credit Karma does not control, maintain or endorse Third Party Content or Services, and disclaims responsibility for their failures, losses or damages. Your dealings are with the third-party provider, and you should review its terms and privacy policy. Credit Karma also disclaims responsibility for information you agree to share with those parties. Non-waivable statutory rights remain preserved.
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We do not control, maintain, or endorse the Third Party Content or Third Party Services, and we are not responsible or liable for any Third Party Content or Third Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or Third Party Services. Your interactions and business dealings with the providers of the Third Party Content or Third Party Services, including products or services offered by such third parties, are solely between you and the third party. You should review all of the relevant terms and conditions associated with Third Party Content or Third Party Services, including any privacy policies and terms of service. We are not responsible for any information that you agree to share with third parties in connection with Third Party Content or Third Party Services.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Community content is not endorsed or guaranteed
Credit Karma does not guarantee the completeness, accuracy, reliability or usefulness of Community Content and warns it may be inaccurate or offensive. It disclaims liability and states that users waive legal or equitable remedies against it for that content, subject to the Agreement’s preservation of non-waivable statutory rights.
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We do not endorse, represent, or guarantee the completeness, accuracy, reliability, or usefulness of any Community Content. You may see Community Content that may be inaccurate, offensive, indecent, or objectionable.
We disclaim all liability for Community Content and you hereby waive any legal or equitable right or remedy you have against us with respect the Community Content.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Services and content are provided as is, subject to mandatory warranties
Credit Karma provides services and content as is and as available, disclaiming express and implied warranties including accuracy, fitness, title and non-infringement. Advice or information from the services does not create an unstated warranty. Warranties that applicable law does not allow to be excluded or restricted remain unaffected.
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WE PROVIDE OUR SERVICES, OUR CONTENT, AND ALL CONTENT AND MATERIALS AVAILABLE THROUGH OUR SERVICES “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED.
CREDIT KARMA, ON BEHALF OF ITSELF, ITS AFFILIATES AND ITS LICENSORS, DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO OUR SERVICES, OUR CONTENT, OR THE COMMUNITY CONTENT, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR SERVICES, OUR CONTENT, THE COMMUNITY CONTENT, OR OTHERWISE AVAILABLE THROUGH OUR SERVICES WILL CREATE ANY WARRANTY REGARDING CREDIT KARMA OR ANY OF OUR SERVICES THAT IS NOT EXPRESSLY STATED IN THESE TERMS.
NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Legal Rights & Agreement Rules · Restriction or exception
The terms place service-use and download risks on you
The terms place risks from using services, content, downloads and dealings with others on you, including resulting property or device damage and lost data. This allocation remains subject to non-waivable statutory rights and remedies.
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YOU USE OUR SERVICES, AND USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN OUR CONTENT, THE COMMUNITY CONTENT, OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES, AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICES, YOUR DEALINGS WITH ANY OTHER MEMBER OR THIRD PARTY, AND YOUR USE OF OUR CONTENT, THE COMMUNITY CONTENT, OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH OUR SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF OUR SERVICES OR THE USE OF ANY OF OUR CONTENT, THE COMMUNITY CONTENT OR OTHER CONTENT AVAILABLE THROUGH OUR SERVICES.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Credit Karma disclaims liability for information errors as an intermediary
Credit Karma describes itself as an intermediary between you and report or information suppliers, and between you and partners whose offers it presents. It disclaims liability for errors or omissions in reports, scores, offers, tools and analyses, while preserving warranties that cannot legally be excluded and non-waivable statutory rights.
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YOU ACKNOWLEDGE THAT CREDIT KARMA IS SOLELY AN INTERMEDIARY (I) BETWEEN YOU AND ANY CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS ACTUALLY SUPPLYING YOUR CREDIT REPORTS, CREDIT SCORES AND OTHER INFORMATION; AND (II) BETWEEN YOU AND OUR PARTNERS WHOSE OFFERS WE PRESENT. CREDIT KARMA EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR CONTENT OR OUR SERVICES, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT REPORTS, CREDIT SCORES, OFFERS OR OTHER INFORMATION, TOOLS OR ANALYSES AVAILABLE THROUGH OUR SERVICES OR OUR CONTENT. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Specified indirect and punitive damages are excluded
The terms exclude special, indirect, incidental, consequential and punitive damages arising from services or company or community content, including lost profits, goodwill, data and business interruption. The protected Credit Karma Parties include the company and listed representatives, personnel, parent, subsidiaries, affiliates and licensors. Non-waivable statutory rights remain preserved; invalid limitations apply only to the greatest extent law permits.
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CREDIT KARMA AND ITS REPRESENTATIVES, AGENTS, AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EQUITY HOLDERS, EMPLOYEES, PARENT ENTITIES, SUBSIDIARIES, AFFILIATED ENTITIES, REPRESENTATIVES, AGENTS AND LICENSORS (COLLECTIVELY, THE “CREDIT KARMA PARTIES”) WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR RELATING IN ANY WAY TO OUR SERVICES, OUR CONTENT OR THE COMMUNITY CONTENT.
IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE CREDIT KARMA PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Aggregate liability is capped at $100 with express exceptions
The Credit Karma Parties’ total liability for claims connected with the services or Agreement is capped at US$100 in aggregate, whether in contract, tort or otherwise. The cap expressly excepts what Section 10 on dispute resolution and arbitration provides and what applicable law requires, including non-waivable rights or remedies. Section 10 includes specified arbitration fee reimbursement. Invalid limits apply only as far as law permits.
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EXCEPT AS EXPRESSLY PROVIDED IN SECTION 10 (DISPUTE RESOLUTION AND ARBITRATION) OR REQUIRED BY APPLICABLE LAW (E.G., ANY NON-WAIVABLE RIGHTS OR REMEDIES), IN NO EVENT WILL THE TOTAL LIABILITY OF THE CREDIT KARMA PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR ANY INABILITY TO USE ANY PORTION OF, OUR SERVICES, OR OTHERWISE ARISING OUT OF OR RELATING TO THE AGREEMENT, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED IN THE AGGREGATE ONE HUNDRED UNITED STATES DOLLARS ($100.00).
IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, THE CREDIT KARMA PARTIES’ TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
If you commence arbitration in accordance with the Agreement, Credit Karma will reimburse you for your payment of the filing fee, unless your claim is for more than $10,000, in which case the payment of any fees will be decided by the AAA Rules.
Legal Rights & Agreement Rules · Restriction or exception
You must cover specified third-party claims against Credit Karma Parties
You must indemnify and hold the Credit Karma Parties harmless, and defend them if requested, against third-party claims and associated losses, expenses and attorneys’ fees relating to your service or content use, alleged or actual violations of the Agreement or law, alleged or actual infringement of others’ rights, or disputes with third parties. Non-waivable statutory rights remain preserved.
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You will defend (if requested by any Credit Karma Party), indemnify, and hold harmless the Credit Karma Parties from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys’ fees and costs, incurred by the Credit Karma Parties in connection with any claim by a third party arising out of or in any way related to: (1) your use of our Services, our Content or the Community Content; (2) your violation or alleged violation of the Agreement or your violation or alleged violation of any applicable law; (3) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (4) any dispute between you and a third party, including any provider of Third Party Content.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Procedure
Credit Karma controls consent to settlement and may take over defense
You cannot settle an indemnified claim without Credit Karma’s prior written consent. The Credit Karma Parties may assume exclusive defense and control at their own expense, and you must cooperate fully.
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You must not settle any such claim or matter without the prior written consent of Credit Karma. The Credit Karma Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.
Legal Rights & Agreement Rules · Procedure
Agreement disputes generally require binding arbitration
You and Credit Karma agree to binding arbitration for disputes connected with the Agreement, with jury-trial and class-action waivers. Exceptions preserve eligible individual small-claims actions, available agency complaints, court injunctions aiding pending arbitration, and suits solely for injunctions against service misuse or IP infringement. The FAA governs arbitration interpretation and enforcement; the arbitrator applies California law otherwise.
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you and Credit Karma agree that any and all disputes arising in connection with the Agreement will be resolved by binding arbitration. You and us further agree that the Federal Arbitration Act (“FAA”) governs the interpretation and enforcement of this arbitration provision; the arbitrator shall apply California law to all other matters.
YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THE AGREEMENT AND AGREEING TO ARBITRATION, YOU AND CREDIT KARMA ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
(a) bring an individual action in small claims court within its jurisdictional limits under Consumer Arbitration Rule 9(b), even after filing an arbitration; (b) file a complaint with the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of a pending arbitration; or (d) to file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our Services or address an intellectual property infringement claim.
The arbitrator decides scope and enforceability disputes
The terms assign the arbitrator claims connected with any aspect of the Agreement, across legal theories and whether arising during or after termination. They give the arbitrator exclusive authority over interpretation, applicability and enforceability of the arbitration agreement. The specified small-claims, agency and injunction exceptions remain separate routes.
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All issues are for the arbitrator to decide, including all claims arising out of or relating to any aspect of the Agreement, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of the Agreement. The arbitrator also has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.
(a) bring an individual action in small claims court within its jurisdictional limits under Consumer Arbitration Rule 9(b), even after filing an arbitration; (b) file a complaint with the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of a pending arbitration; or (d) to file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our Services or address an intellectual property infringement claim.
Legal Rights & Agreement Rules · User right or choice
Certain court and agency routes remain available
Despite the general arbitration rule, either party may bring an individual small-claims case within that court’s limits under Consumer Arbitration Rule 9(b), even after starting arbitration; make an available federal, state or local agency complaint; seek a court injunction supporting pending arbitration; or sue solely for an injunction stopping unauthorized service use or abuse or addressing IP infringement.
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Despite the provisions of Section 10.1, you and us both agree that nothing in the Agreement will be deemed to waive, preclude or otherwise limit the right of either of us to: (a) bring an individual action in small claims court within its jurisdictional limits under Consumer Arbitration Rule 9(b), even after filing an arbitration; (b) file a complaint with the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of a pending arbitration; or (d) to file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our Services or address an intellectual property infringement claim.
AAA administers arbitration under its consumer rules as modified
Arbitration is administered by the American Arbitration Association under its Consumer Arbitration Rules, as modified by the Agreement. The source supplies adr.org and 1-800-778-7879 for rules and filing forms; those external rules are not reproduced.
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Any arbitration between you and Credit Karma will be conducted under the Consumer Arbitration Rules (“AAA Rules“) of the American Arbitration Association (“AAA“), as modified by the Agreement, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879.
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The AAA Rules text is not supplied here; this card does not explain additional procedural requirements or fee amounts.
Legal Rights & Agreement Rules · Procedure
Send certified notice and allow 30 days for resolution
Before arbitration, the initiating party must send written notice by certified mail describing the dispute and specific relief sought. Credit Karma’s notice address is 1100 Broadway, Suite 1800, Oakland, CA 94607, Attention: Legal Department. Both parties must try in good faith to resolve the claim; either may start arbitration if no agreement is reached within 30 days after receipt.
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A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail (“Notice“). Credit Karma’s address for Notice is: Credit Karma, LLC, 1100 Broadway, Suite 1800, Oakland, CA 94607, Attention: Legal Department. The Notice must: (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand“). You and Credit Karma agree to use good faith efforts to resolve the claim directly, but if you and Credit Karma do not reach an agreement to do so within 30 days after the Notice is received, you or we may commence an arbitration proceeding.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration materials are confidential and settlement offers are withheld
Arbitration proceedings and exchanged materials must be confidential. Settlement-offer amounts cannot be disclosed to the arbitrator until after a final decision and award, if any. Both parties agree to reasonable efforts to streamline proceedings and discovery for efficient resolution.
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During the arbitration, the amount of any settlement offer made by you or Credit Karma must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. The arbitration proceedings, including any exchanged materials, shall be confidential and you and Credit Karma agree to use reasonable efforts to streamline the proceedings, including discovery, consistent with the objectives of efficient dispute resolution.
Legal Rights & Agreement Rules · User right or choice
Smaller claims allow a choice of hearing format
Hearing location is to be agreed. For claims of $10,000 or less, or when otherwise required, you may choose documents only, a non-appearance telephone hearing, or an in-person hearing under AAA Rules in the county or parish of your registered account address.
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Any arbitration hearing will take place at a location to be agreed upon, but if the claim is for $10,000 or less, or as otherwise required, you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a non-appearance based telephone hearing; or (c) by an in-person hearing as established by the AAA Rules in the county (or parish) of your registered account address.
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The external AAA Rules text is not supplied here.
Legal Rights & Agreement Rules · Procedure
Arbitration requires a reasoned written decision
The arbitrator must explain essential findings and conclusions in writing. Fee or expense rulings may be made during proceedings or on either party’s request within 14 days of the merits ruling. The terms call the decision final and non-appealable and permit judgment on the award in a court with jurisdiction; they also describe court review of arbitration as very limited.
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Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within fourteen (14) days of the arbitrator’s ruling on the merits.
The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof.
Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award.
Legal Rights & Agreement Rules · Restriction or exception
Claims must be individual; consolidation requires mutual agreement
You and Credit Karma must bring claims only in your own individual capacities, not as class members or representatives. Unless both agree otherwise, the arbitrator cannot consolidate multiple people’s claims or preside over a representative or class proceeding.
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YOU AND CREDIT KARMA AGREE THAT EACH MUST BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR A CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Credit Karma agree otherwise, the arbitrator may not consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.
Legal Rights & Agreement Rules · User right or choice
Rejecting future arbitration changes closes your account
If Credit Karma changes the arbitration provision, other than its notice address, you may reject the change by sending written notice to its notice address within 30 days of the change. Your account then terminates immediately, while the arbitration provision in force just before the rejected amendment survives. This concerns future changes, not an opt-out from the original arbitration agreement.
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If Credit Karma makes any future change to this arbitration provision (other than a change to Credit Karma’s address for Notice), you may reject the change by sending us written notice within 30 days of the change to Credit Karma’s address for Notice, in which case your account with Credit Karma will be immediately terminated but this arbitration provision, as in effect immediately prior to the amendments you reject, will survive.
Legal Rights & Agreement Rules · Restriction or exception
Remaining arbitration terms survive an invalid provision
If a Section 10 provision is unlawful, void or unenforceable, it is given effect to the greatest extent possible and the rest remains effective. The Agreement separately preserves any applicable non-waivable statutory rights and remedies.
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If any provision of this Section 10 is unlawful, void, or unenforceable for any reason, then that provision will be given effect to the greatest extent possible and the remaining provisions will remain in full force and effect.
Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Context
California law governs, with a specific arbitration-law rule
California law governs the Agreement, excluding conflict-of-law provisions. The arbitration clause specifically makes the Federal Arbitration Act govern its interpretation and enforcement, with California law applied by the arbitrator to other matters.
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The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.
You and us further agree that the Federal Arbitration Act (“FAA”) governs the interpretation and enforcement of this arbitration provision; the arbitrator shall apply California law to all other matters.
Legal Rights & Agreement Rules · Context
The defined Agreement is the entire agreement for service and content use
These terms together with the Privacy Statement, Community Rules and Additional Terms are stated to be the entire and exclusive agreement for use of the services or Content. Applicable Additional Terms control conflicts with these terms. This does not supply the text of the separately incorporated documents.
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The terms of the Agreement (including the Privacy Statement, the Community Rules and any Additional Terms) constitute the entire and exclusive agreement between Credit Karma and you in connection with your use of our Services or our Content.
If there is a conflict between applicable Additional Terms and these terms, the Additional Terms will control.
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The separate Privacy Statement, Community Rules and Additional Terms text is not supplied here; their detailed obligations are not analyzed.
Material changes take effect on acceptance; other changes on publication
Credit Karma may modify the Agreement at any time and post changes to these Terms on this page. A material change to your rights or obligations may require acceptance to keep using services and takes effect when accepted; immaterial changes take effect on publication. Continued use after changes to these terms, the Privacy Statement or Additional Terms signifies acceptance. Future arbitration changes have a separate 30-day written rejection right, except address changes; rejection closes the account and retains the prior arbitration provision.
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We may modify the Agreement at any time. We will post modifications to these Terms of Service on this page. If a change materially modifies your rights or obligations, you may need to accept the modified terms to continue to use our Services. Material modifications will take effect when you accept the modified terms; immaterial modifications will take effect when published. By continuing to use our Services following any modification to these terms, our Privacy Statement or any Additional Terms, you are agreeing to the Agreement as modified.
If Credit Karma makes any future change to this arbitration provision (other than a change to Credit Karma’s address for Notice), you may reject the change by sending us written notice within 30 days of the change to Credit Karma’s address for Notice, in which case your account with Credit Karma will be immediately terminated but this arbitration provision, as in effect immediately prior to the amendments you reject, will survive.
Cross-references
has exception (model-proposed): Rejecting future arbitration changes closes your account — Future arbitration changes have a specific 30-day rejection procedure, with account termination and survival of the prior arbitration text.
Legal Rights & Agreement Rules · Restriction or exception
Credit Karma waives rights only through a signed writing
Failure to enforce a right or act on a breach does not waive Credit Karma’s rights concerning that or later breaches. A waiver must be written and signed by a duly authorized Credit Karma officer.
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Credit Karma’s failure to enforce any of its rights or act with respect to a breach by you or others of the Agreement does not constitute a waiver of any rights and will not limit Credit Karma’s rights with respect to that breach or any subsequent breaches. No waiver by Credit Karma of any of the provisions in the Agreement will be of any force or effect unless made in writing and signed by a duly authorized officer of Credit Karma.
Legal Rights & Agreement Rules · Restriction or exception
Credit Karma may assign the Agreement without notifying you
Credit Karma may assign the Agreement to any party at any time without notice. You may not assign your rights, by operation of law or otherwise, without its consent. This does not permit selling, transferring or assigning your member account, which is separately prohibited.
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Credit Karma may assign the Agreement to any party at any time without notice to you. You may not assign your rights under the Agreement, by operation of law or otherwise, without our consent.
You must not sell, transfer, or assign your account to anyone else.
Legal Rights & Agreement Rules · Restriction or exception
Invalid provisions do not remove remaining terms or mandatory rights
An unlawful, void or unenforceable provision is given effect as far as possible and the remainder stays in force. Nothing in the Agreement affects your applicable non-waivable statutory rights or remedies.
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If any provision of the Agreement is unlawful, void, or unenforceable for any reason, then that provision will be given effect to the greatest extent possible and the remaining provisions will remain in full force and effect. Nothing in the Agreement shall affect any non-waivable statutory rights or remedies that apply to you.
Legal Rights & Agreement Rules · Restriction or exception
Drafting the Agreement is not a reason to construe it against Credit Karma
The terms state that the Agreement will not be construed against Credit Karma because it drafted it. Titles, annotations and Summaries are included for convenience and have no contractual effect.
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The titles and annotations, including the “Summary” sections, contained in these terms are inserted only as a matter of convenience and have no legal or contractual effect. The Agreement will not be construed against Credit Karma because we drafted it.
Legal Rights & Agreement Rules · Restriction or exception
You affirm you are not barred from receiving the services
You agree that laws of the U.S., England, Wales, Canada or another applicable jurisdiction do not prohibit you from receiving the services. Examples include U.S., Canadian and U.K. sanctions lists and similar prohibitions. This eligibility statement does not promise availability outside the U.S.
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You agree that you are not prohibited from receiving the Services under the laws of the United States, England, Wales, Canada or other applicable jurisdiction. For example, you are not on the U.S. Treasury Department’s list of Specially Designated Nationals, Canada’s economic sanctions list, the United Kingdom HM Treasury Financial Sanctions List, or any other similar prohibition.
We control and operate our Services from the United States and we make no representations or warranties that the information, products, or services provided through our Services, or our Content (defined below), are appropriate for access or use in other jurisdictions.
Legal Rights & Agreement Rules · Company commitment
Undisclaimed Mac app warranties are Credit Karma’s responsibility
For Mac App Store downloads, Credit Karma is responsible for express or legally implied warranties to the extent they have not been effectively disclaimed, and for claims or costs caused by warranty nonconformity. Apple has no other app warranty obligation to the maximum extent law permits. The general warranty disclaimer separately preserves warranties that law does not allow to be excluded or restricted.
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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 is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Credit Karma’s sole responsibility.
NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
Legal Rights & Agreement Rules · Company commitment
Credit Karma addresses Mac app product and consumer claims
For Mac App Store downloads, Credit Karma is responsible for addressing user and third-party app claims, including product liability, legal or regulatory noncompliance, and consumer-protection claims. The clause allocates responsibility between Credit Karma and Apple; it does not promise every claim will succeed.
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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, not Apple, is responsible for addressing any user or third party claims relating to the App including: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar laws.
Mac app questions and claims go to Credit Karma’s Oakland mailbox
For Mac App Store downloads, direct questions, complaints and claims to Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604. A party seeking arbitration must instead follow the separately specified certified-mail notice process and Broadway address.
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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:
Direct any questions, complaints or claims to: Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604.
A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail (“Notice“). Credit Karma’s address for Notice is: Credit Karma, LLC, 1100 Broadway, Suite 1800, Oakland, CA 94607, Attention: Legal Department.
Legal Rights & Agreement Rules · Permission or license
Apple can enforce the Agreement as a third-party beneficiary
For Mac App Store downloads, Apple and its subsidiaries are third-party beneficiaries. Once you accept the Agreement, Apple has and is deemed to accept the right to enforce it against you, despite not being 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 and agree that Apple and Apple’s subsidiaries are third party beneficiaries of this Agreement, and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third party beneficiary thereof.
Cross-references
contrast (model-proposed): For Mac App Store downloads, Credit Karma is the contracting provider — 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.
This is the Terms of Service version stating an effective date of May 4, 2026. It does not establish whether a later version exists.
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Effective date: May 4 2026
Legal Rights & Agreement Rules · Context
Summaries do not form part of the agreement
The highlighted Summaries help explain the terms but have no contractual effect; the operative agreement governs.
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These Summaries are not a part of the agreement itself; they are only included to help you understand it.
The titles and annotations, including the “Summary” sections, contained in these terms are inserted only as a matter of convenience and have no legal or contractual effect.
Legal Rights & Agreement Rules · Procedure
Using the services accepts several documents
Accessing or using the services means agreeing to these terms, the Privacy Statement, applicable Additional Terms and Community Rules. These linked documents form part of the Agreement; their separate text is not supplied here.
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By accessing and using our Services (defined below), you are agreeing to these Terms of Service, our Privacy Statement, any applicable Additional Terms (defined below), and our Community Rules (collectively referred to as the “Agreement”).
Not stated here
The linked Privacy Statement and Community Rules text is not supplied here; this card cannot describe their separate privacy practices or posting requirements.
Legal Rights & Agreement Rules · Restriction or exception
Feature-specific terms can control conflicts
Separately posted Additional Terms become part of the Agreement when you use or access the relevant feature. If those applicable terms conflict with these terms, the Additional Terms control.
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Some of our Services may be subject to additional terms and conditions (“Additional Terms”), which are posted separately from these terms but are incorporated and form a part of the Agreement if you decide to use or access those features. If there is a conflict between applicable Additional Terms and these terms, the Additional Terms will control.
The terms flag arbitration and a class-action waiver
The opening notice flags binding arbitration, a class-action waiver, warranty disclaimers and liability limits. The later arbitration terms preserve specified small-claims, agency and injunction routes; the notice does not eliminate those exceptions.
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These Terms of Service include an agreement to resolve any disputes through binding arbitration that includes a class action waiver, as well as important disclaimers, warranties and limitations on liability.
(a) bring an individual action in small claims court within its jurisdictional limits under Consumer Arbitration Rule 9(b), even after filing an arbitration; (b) file a complaint with the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of a pending arbitration; or (d) to file a suit in a court of law solely for injunctive relief to stop unauthorized use or abuse of our Services or address an intellectual property infringement claim.
Legal Rights & Agreement Rules · Procedure
General legal correspondence address
The introduction provides Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604, Attention: Legal Department, for U.S. mail. Arbitration notices have their own specified address and certified-mail process.
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You can contact us here or by U.S. mail at Credit Karma, LLC, P.O. Box 30963, Oakland, CA 94604, Attention: Legal Department.
A party who intends to seek arbitration must first send a written notice of the dispute to the other by certified mail (“Notice“). Credit Karma’s address for Notice is: Credit Karma, LLC, 1100 Broadway, Suite 1800, Oakland, CA 94607, Attention: Legal Department.