Effective date: May 21, 2021 includes a class action waiver, 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. These Terms of Service include an agreement to resolve any disputes through binding arbitration 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.  You are 18 years of age or older  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. You are 18 years of age or older If you decide to register, you’re pinky swearing that you’re a U.S. adult, you are who you say you are and you won’t let anyone else use your account. 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. You must comply with all applicable laws when using our Services. 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. We might show you stuff from other companies or even connect you with them, but we’re not legally responsible for anything they do. You should review their terms and policies separately. 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.  Summary We might show you stuff from other companies or even connect you with them, but we’re not legally responsible for anything they do 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 In the interest of resolving disputes between you and Credit Karma in the most expedient and cost-effective manner, you and Credit Karma agree that every dispute arising in connection with the Agreement will be resolved by binding arbitration. YOU AND CREDIT KARMA ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. 10.6 No Class Actions  YOU AND CREDIT KARMA AGREE THAT EACH MAY 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. 

Summary:
There is a date of the last update of the agreements. You waive your right to a class action.. You are forced into binding arbitration in case of disputes. This service forces users into binding arbitration in the case of disputes. They may stop providing the service at any time. This service is only available to users over a certain age. You are responsible for maintaining the security of your account and for the activities on your account. This service is only available to users of a certain age. You cannot distribute or disclose your account to third parties. Third parties may be involved in operating the service. The service's data retention period is kept to the minimum necessary for fulfilling its purposes. Sensitive data is collected and shared to target advertising. The service does not guarantee accuracy or reliability of the information provided. Users agree to comply with the law of the service's country. The service warns you of the potential consequences related to third-party access. This service informs you that its Terms of Service does not apply to third party websites. The service warns you of the potential consequences related to third-party access. You agree to defend, indemnify, and hold the service harmless in case of a claim related to your use of the service. This service forces users into binding arbitration in the case of disputes. You waive your right to a class action.. You waive your right to a class action..