Registering authorizes Credit Karma to create and maintain an account in your name using registration details and other information collected in accordance with its Privacy Statement while providing the services. The terms call this combined information your Intuit Account.
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When you register as a member, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Statement as part of providing our Services (collectively, such information is your “Intuit Account.”).
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The Privacy Statement text is not supplied here; this card cannot explain its separate collection limits.
Carrier sharing is limited to verification and fraud prevention
Registration authorizes your wireless carrier to share account device information with Credit Karma’s third-party service provider only to verify identity and prevent fraud.
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When registering, you authorize your wireless carrier to share your account device information with our third-party service provider, only to verify your identify and prevent fraud.
Registration permits requests for reports and other records
By registering, you specifically consent to Credit Karma requesting and receiving consumer report data, motor vehicle records and other data about you from third parties for inclusion in your Intuit Account.
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By registering, you also specifically consent to let us request and receive your consumer report data, motor vehicle records, and other data about you from third parties to include in your Intuit Account.
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.
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.
Analysis and estimates are informational and assumption-based
Credit Karma may analyze your credit report, score and other obtained information to select and present features or information. Its estimates are illustrative and informational, use only available data and assumptions, and are neither commissioned nor endorsed by partners.
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we may use your credit report, credit score, and other information we obtain to analyze, sort, and present certain information or features to you. Any analysis and estimates we provide as part of our Services are for illustrative and informational purposes only. Our analysis and estimates are based on certain assumptions and use only the data we have. Our analysis and estimates are neither endorsed by, nor commissioned by, any of our partners.
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The linked Privacy Statement text is not supplied; its separate data-use rules are not analyzed here.
Inference & Profiling · Permission or license
Credit Karma decides which factors shape its recommendations
Its methodology for highlighting or presenting offers, analysis and information is proprietary. Credit Karma reserves sole discretion to consider, ignore, emphasize or de-emphasize factors.
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The methodology we use to determine which offers, analysis, or other information is presented or highlighted is proprietary and we may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole and absolute discretion.
Charges & Financial Obligations · Company commitment
Partner offers are not guaranteed; applications require consent
Credit Karma does not guarantee particular kinds of partner offers or that you meet an offer’s approval criteria. Applying is your choice, and Credit Karma promises never to submit a partner application on your behalf without your consent.
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With respect to offers from our partners, we do not guarantee that you will be presented with offers for any particular types of products or services or that you will meet the approval criteria for any particular offer. It is always your choice whether to apply for a product or service offered by our partners and we will never submit an application for a product or service to a partner on your behalf without your consent.
Charges & Financial Obligations · Restriction or exception
Displayed credit information may differ from what others use
All service information is presented for education. Credit Karma does not guarantee that its reports, scores or other information match what a third party uses to evaluate creditworthiness, eligibility for a product or service, or employment.
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All information on our Services is presented for educational purposes only. We do not guarantee that the information we present as part of our Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service or for employment.
Charges & Financial Obligations · Restriction or exception
Credit Karma does not provide professional advice or credit repair
Credit Karma says it is not a credit repair organization, credit counselor, financial or legal advisor, or similar enterprise. Its services do not replace professional help with finances or credit, and it guarantees no credit improvement or performance.
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Credit Karma is not a credit repair organization, credit counselor, or financial or legal advisor, or any similar enterprise as those may be defined under federal or state law. Use of our Services is not a replacement for personal, professional advice or assistance regarding your finances, credit history or fixing your credit rating. Credit Karma makes no guarantees to you on credit improvement or performance.
Account & Service Control · User right or choice
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.
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.
If you direct Intuit to retrieve account information from third parties, you authorize it to use and store that information and information submitted through Third Party Services, including usernames and passwords, to provide those services. You give Intuit a limited power of attorney to access and retrieve information without further notice, acting as your agent rather than the third party’s.
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When you direct Intuit to retrieve your account information from third parties, you authorize and permit us to use and store that information and other information you submit through the Third Party Services (such as usernames and passwords), for purposes of providing the Third Party Services to you. You grant Intuit a limited power of attorney to access those accounts and retrieve your account information, without additional notice to you. Intuit will be acting as your agent and will not be acting on behalf of the third party.
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.
Use & Processing · Restriction or exception
Verify chatbot answers before relying on them
Services may use AI chatbots or similar automated features. Credit Karma warns their output may be inaccurate or inappropriate, tells you not to rely solely on it, and asks you to verify accuracy and suitability for your circumstances.
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Our Services may use automated features powered by artificial intelligence, like chatbots, digital assistants, conversational experiences, or similar technologies (“Chatbots”). While Chatbots are designed to provide helpful information and improve your experience, artificial intelligence and related technologies are evolving and may have limitations. Our Chatbots may generate outputs that are inaccurate or inappropriate for your situation, so you should not rely solely on their answers. You should always verify the accuracy of such information and ensure it is appropriate for your circumstances.
Content & IP Rights · Restriction or exception
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.
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.
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.
Sharing & Disclosure · Permission or license
Credit Karma may monitor and disclose information for listed protective purposes
Credit Karma may, but need not, electronically monitor its services. Without notice, it may access, use, preserve, transfer or disclose any information, including personal information, as reasonably necessary for legal compliance or governmental/law-enforcement cooperation it believes legally required or permitted; enforcing the Agreement; protecting people, services, equipment or third parties; or addressing fraud, security or technical issues affecting its or partners’ services.
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Credit Karma has the right, but not the obligation, to monitor our Services electronically. We may access, use, preserve, transfer or disclose, at any time and without notice to you, any information (including Personal Information as defined in our Privacy Statement) as reasonably necessary to: (1) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request or cooperate with law enforcement, if we believe such action is required or permitted by law; (2) enforce this Agreement, including to investigate potential violations; (3) protect the safety, integrity, rights, or security of our members, our Services or equipment, or any third party; or (4) detect, prevent, or otherwise address fraud, security, or technical issues related to our Services or the services of our partners.
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The Privacy Statement’s separate definition of Personal Information is not supplied here.
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.
Not stated here
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.
Charges & Financial Obligations · Company commitment
Filing-fee reimbursement has amount and frivolous-claim exceptions
If you start arbitration in accordance with the Agreement, Credit Karma reimburses the filing fee unless your claim exceeds $10,000, when AAA Rules determine fees. If the arbitrator finds the claim or requested relief frivolous or improperly motivated under the stated Rule 11(b) standard, AAA Rules govern all fees and you must repay amounts Credit Karma paid that those rules make your responsibility. Credit Karma will seek its attorneys’ fees or costs only if the arbitrator finds your claims or defenses frivolous.
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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.
If the arbitrator finds that either the substance of the claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In that case, you agree to reimburse Credit Karma for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Likewise, Credit Karma will not seek its attorneys’ fees or costs in arbitration unless the arbitrator determines your claims or defenses are frivolous.
Not stated here
The AAA Rules and cited federal rule text are not supplied here; no external fee schedule or legal test is inferred.
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.
Not stated here
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.
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.
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.
Not stated here
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.
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.
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 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.
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.
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.
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.
Account & Service Control · Context
Which Credit Karma services these terms cover
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.
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.
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
You will keep all information up-to-date
Security & Safeguards · Restriction or exception
Use a unique password and keep the account to yourself
Your Credit Karma password must not be reused on unaffiliated services. Keep it confidential, do not let others log in as you or sell, transfer or assign the account. You are responsible for account activity and must notify Credit Karma immediately if you believe the account is insecure.
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You will create a unique password to create and access your Credit Karma account that is unique to Credit Karma and not re-used across other, unaffiliated services
You must not sell, transfer, or assign your account to anyone else. You must keep your password confidential, you must not share it and you may not allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account. If you believe that your account is no longer secure, notify us immediately by clicking here.
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.