Check Your Rate Platform Terms for Loans

Please read this information carefully and print a copy and/or retain this information for future reference.

• Read and keep the information Legal Rights & Agreement Rules

Credit Karma’s Check Your Rate Platform (the “Check Your Rate Platform”) is a tool that helps you find offers for financial product with greater ease and certainty. By signing up for and using the Check Your Rate Platform, you agree to the following terms:

• Signing up and using the platform means agreeing to these terms Legal Rights & Agreement Rules

• Permission to Share Information. I authorize Credit Karma to periodically share personal profile information it has collected about me with current or future participating loan providers or loan platforms (“participating providers”) so that they can identify and return certain personal loan or auto loan offers (each such submission, an “offer request”).
• • Credit Karma may repeatedly share your profile to seek loan offers Sharing & Disclosure
• Permission for Participating Providers to Make Soft Inquiries; No Impact to Credit Score. I authorize each participating provider to obtain and use consumer report information about me from one or more consumer reporting agencies (such as TransUnion, Equifax or Experian). These soft inquiries will not impact my credit score and my consumer report information will be used solely in connection with responding to an offer request.
• • Offer checks use soft inquiries without affecting your credit score Data Access & Collection
• Offers Not Guaranteed; Application Still Required. I understand that Credit Karma’s Check Your Rate Platform does not guarantee that I will receive an offer or an approval, and I will still need to submit an application with participating providers. While checking for these offers does not result in a hard inquiry or affect my credit score, I understand that if I choose to apply for these offers with a participating provider, that provider may run a hard inquiry, which can impact my credit score.
• • Offer checks use soft inquiries without affecting your credit score Data Access & Collection
  • An offer or approval is not guaranteed Charges & Financial Obligations
  • Applying for an offer may affect your credit score Charges & Financial Obligations
• Available Products Subject to Change. I understand that many, but not all, financial service providers participate in the Check Your Rate Platform and that the platform may not include every product offered by participating providers. I further understand that Credit Karma will determine, in its sole discretion, when, how often, and with which participating providers it checks for these offers based on criteria from each participating provider, availability of information needed to identify such offers and other relevant factors.
• • The platform does not cover every provider or product Charges & Financial Obligations
  • Credit Karma chooses when and where to check for offers Use & Processing
• Electronic Communications Consent. I consent to receive communications about offer requests electronically from participating providers or Credit Karma as described in these E-Consent Terms. These electronic communications include responses to offer requests, any applicable notices or disclosures required by law and, when enabled, the notifications about offers described in the following paragraph.
• • Offer communications arrive electronically Account & Service Control
  • You can turn off recommended-offer notifications Account & Service Control
• Notifications About New or Recommended Offers (optional). I understand and agree that Credit Karma will send me email or push notifications to tell me about recommended offers I receive from offer requests submitted on my behalf. I understand that I can adjust my Communications & Monitoring Settings to turn off these offer notifications.
• • Offer communications arrive electronically Account & Service Control
  • You can turn off recommended-offer notifications Account & Service Control
• One-Year Enrollment Period. I understand that my enrollment in the Check Your Rate Platform and the authorizations granted herein will remain valid for a one-year period.
• • Credit Karma may repeatedly share your profile to seek loan offers Sharing & Disclosure
  • Offer checks use soft inquiries without affecting your credit score Data Access & Collection
  • Offer communications arrive electronically Account & Service Control
  • Enrollment and authorizations last one year Account & Service Control