Disclaimer of Warranties and Liability
OUR SITE, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE, IS PROVIDED TO YOU "AS IS", WITH NO WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION NOR ITS AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (A) AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH OUR SITE, (B) THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO OUR SITE, PRODUCTS OR SERVICES, OR (C) THAT OUR SITE, PRODUCTS OR SERVICES WILL BE ERROR-FREE. IN ADDITION, TRANSUNION AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF OUR SITE, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING OUR SITE, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION, ITS DOMESTIC SUBSIDIARIES, NOR ITS AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF OUR SITE, CONTENT, PRODUCTS OR SERVICES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT.
TransUnion and TransUnion Interactive are not credit repair organizations, or similarly regulated organizations under other applicable laws, and do not provide credit repair advice.
TransUnion and TransUnion Interactive credit monitoring offerings monitor only the credit file associated with the purchasing consumer that is maintained by TransUnion, and do not monitor, compare or cross-reference the credit file associated with the purchasing consumer to any other credit file(s) maintained by the other applicable credit bureau(s).
The trademarks, service marks, and logos (the "Trademarks") used in this web site are registered and unregistered Trademarks. The Trademarks belong to TransUnion or its respective owner. The Trademark owner has exclusive rights to the Trademarks. Any unauthorized use of the Trademarks is strictly prohibited. You may not display or use the Trademarks for any purpose without the written permission of Trademark owner.
Policy on Links to TransUnion Web Sites
You may not portray TransUnion or any of its Services in a false or offensive manner. Also, you may not misrepresent your relationship with TransUnion or imply that TransUnion sponsors, endorses, or is affiliated with your web site or products. You may not replicate, modify, or alter the appearance or content of this web site. You may not use, frame, or utilize framing techniques to enclose any TransUnion Trademarks or any of the content of this web site. Except as stated above, you are not given any other right or license to (i) the content of this web site or (ii) any intellectual property or proprietary rights of TransUnion. This limited linking right may be taken away from you at any time at our discretion.
Policy on Links to Third Party Web Sites
This web site may contain links to third party web sites. TransUnion does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience to you. When you access a non-TransUnion web site, please understand that the linked site and its content are not under our control. TransUnion is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.
Unsolicited Idea Submission Policy
When you provide us with comments, suggestions, or ideas (collectively "Feedback"), such Feedback is not considered confidential and becomes the property of TransUnion. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose.
Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States or the country of your residence.
The materials in this web site are designed for use by residents of the United States and its territories and possessions. The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois. You agree that any and all disputes arising under this Agreement or out of TransUnion's provision of services to you, if submitted to a court of law, shall be submitted to the state and federal courts of Cook County, Illinois, USA.
You should send any notices or other communications regarding the web site, products or services to TransUnion LLC, Attention: General Counsel, 555 W. Adams St., Chicago, IL 60661.
Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your registration information, please log in to your account and visit the 'Your Account' section from the main menu.
Copyright (c) 2001-2017 TransUnion LLC. All Rights Reserved. Except as otherwise stated, TransUnion owns all content contained in this web site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Content"). The Content is protected by copyright laws of the United States and other countries. The Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of material from the web site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.
Revised as of September 8, 2011.
Collection and Use of Information
Internet Information. When you visit our Website, we may collect general Internet data, including your Internet protocol (IP) address, the web page from which you entered our site, which of our web pages you visited, and how long you spend on each page. To collect this information, when you visit our Website, a "cookie" or a “Flash® cookie” may be set on your computer. Cookies and Flash cookies contain information that allows our web servers to recognize you whenever you visit. We use the information we collect to study how this site is used, so that we may improve and enhance your experience on our Website. We do not provide this information to outside parties other than for such reasons. No personal information is stored in cookies. Your web browser should allow you to manage cookies and you can manage your Flash cookies by clicking here. “Flash” is a registered trademark of Adobe Systems Incorporated.
Information You Provide. When you provide information, through this Website, we may use it for various reasons, such as our credit reporting business, our consumer business, market research, and recruitment. Based on the nature of your transaction with us, you may provide to us certain personally identifiable consumer information, such as first and last name; home address, billing address, or other physical address; an email address (so we may contact you); a telephone number; a social security number; or certain other information, such as date of birth, employment information, and certain credit card and loan account information (collectively, “Personally Identifiable Consumer Information”). In general, we will use the information collected from you for the purpose for which you provided such information. We will not release your Personally Identifiable Consumer Information to third parties except: (1) as necessary for us to process your transaction or (2) as permitted by law. These third parties are not allowed to use Personally Identifiable Consumer Information except for the purpose of providing these services.
Our Credit Reporting Business. We may use information you provide to update our consumer credit database. Access to personally identifiable information on this database is limited to: (1) entities with a permissible purpose to receive it, as defined in the Fair Credit Reporting Act (“FCRA”); (2) entities with a permitted use under Title V of the Gramm-Leach-Bliley Act; (3) companies who resell our data as permitted under law; and (4) companies who process data on our behalf. Access to information on this database which is made non-personally identifiable may be provided to companies and other entities for research and other purposes.
Under the FCRA, we may provide information to companies that provide you with pre-approved offers of credit or insurance. If you do not want to receive such offers, you may opt-out by calling 1-888-5OPTOUT or visiting www.optoutprescreen.com.
Our Consumer Business. When you visit our Website, we may ask you if you want to sign-up to receive information and promotional offers from TransUnion Interactive, Inc. (TrueCredit and zendough), and its marketing partners. If you provide your name and email address, we may share that information with one or more third parties in order to administer the program and present such offers to you. If you do not register for email, we will not collect any personal information on you while you visit our website. In connection with the email registration program, our third party email processor may use action tags (also known as single pixel gif or web beacons) to collect completely anonymous information concerning your use of our site. Such third party administrator is not authorized to use any such information for any other purpose. If you decide to register for emails, you may opt-out of receiving further emails at any time by using the opt-out provision at the bottom of every email. If you accept offers from TransUnion Interactive, Inc. and its marketing partners, then their respective privacy policies will apply.
Market Research. Your participation in market research activities is optional. Should you choose to participate, we may use information you provide to improve your experience with our products and services. We may engage third parties to assist us with our market research efforts who may retain non-personalized aggregated information. However, all personal information you provide will only be used for our research purposes.
Recruitment. When you submit an application for employment, we use your personal information for recruitment purposes only.
Access to Your Information
You may order your TransUnion Personal Credit Report online at TransUnion.com. However, when you provide information on our Website, you should ensure that the information is accurate. If you believe that there is an error on your credit report, you may file a dispute.
Protection of Your Information
We use security technologies to safeguard credit information and any information you provide us.
Policy Regarding Children
We define children as individuals under the age of 16. Our Website is not intended for the use of children and we do not knowingly solicit or collect information from children.
Effective Date: February 25, 2015
At least NC law provides for free freezes.
But wait, there's a specific credit freeze T&C.
TransUnion Service Agreement
This agreement applies to the TransUnion Security Freeze Service
This Service Agreement ("the Agreement") contains the terms and conditions upon which you may access and use the TransUnion Security Freeze Service (the "Security Freeze Service") through this Site. For us to fulfill your request on-line, you must accept these terms and conditions. By placing a check mark in the corresponding box below, you have agreed to be bound by them. If you do not accept these terms and conditions, you will not have access to the on-line Security Freeze Service.
YOU ARE NOT REQUIRED TO PURCHASE ANY PRODUCT OR SERVICE, OR TO AGREE TO RECEIVE ANY INFORMATION OR MARKETING MATERIALS, TO ACCESS OR USE THE SECURITY FREEZE SERVICE. If you do elect to purchase a product or service, including a credit score, with the Security Freeze Service, or to receive information or marketing materials, that product, service, information or marketing material is offered and will be provided by TransUnion Interactive, a wholly owned subsidiary of TransUnion. A separate agreement with respect to any such offer or purchase shall be required to be accepted by you and will be provided to you at the time of such offer or purchase.
Place a Security Freeze on your Credit File
If you reside in certain states, you have the right to place a security freeze on your TransUnion credit file. For consumers who live in states that do not currently have a state security freeze law, TransUnion voluntarily provides such consumers the ability to place a security freeze on their TransUnion credit file. TransUnion offers the Security Freeze Service to residents of all states in the USA. The pricing is decided by the state law, unless no law exists, and it varies from state to state.
A SECURITY FREEZE WILL REQUIRE YOU TO CONTACT US IF YOU ARE SEEKING CREDIT, IN ORDER TO REQUEST THAT WE TEMPORARILY LIFT YOUR FREEZE TO ALLOW US TO REPORT YOUR TRANSUNION CREDIT FILE TO THE CREDIT GRANTOR YOU IDENTIFY. A SECURITY FREEZE MAY HINDER YOUR ABILITY TO IMMEDIATELY OBTAIN CREDIT TO MAKE MAJOR PURCHASES. ONLY YOU CAN REQUEST THAT A SECURITY FREEZE BE PLACED ON YOUR TRANSUNION CREDIT FILE AND ONLY YOU CAN REQUEST THAT THE SECURITY FREEZE BE REMOVED OR TEMPORARILY LIFTED. A SECURITY FREEZE WILL REMAIN ON YOUR TRANSUNION CREDIT FILE UNTIL YOU REQUEST THAT THE SECURITY FREEZE BE PERMANENTLY REMOVED, OR YOU REQUEST THAT A TEMPORARY LIFT OF THE SECURITY FREEZE FOR A SPECIFIC CREDIT GRANTOR/CREDIT FILE USER, OR DATE RANGE.
The account you create as part of our authentication process for the Security Freeze Service will be with TransUnion. We ask you to create this account so you will be able to return to TransUnion's web site to use the Security Freeze Service.
You can only order your own Security Freeze Service. It is illegal for you to intentionally obtain information on an individual other than yourself. If you do so, you may be violating the United States Fair Credit Reporting Act (15 U.S.C. Section 1681q) and you may be fined, imprisoned for not more than 2 years, or both. By submitting your request to TransUnion, you certify that you are the person for whom the Security Freeze Service is being requested, and that all personal information you have provided is true and correct.
We want to protect the privacy of the personal information that you provide. To do so, the on-line ordering of the Security Freeze Service or other products and services will require the use of a secure browser such as Netscape Navigator 6.0 or higher or Microsoft Internet Explorer 5.0 or higher. Your Internet browser must support SSL (Secure Sockets Layer) with 128-bit encryption. This program encrypts the data you provide before transmission, and then we decrypt the data upon receipt.
This service is provided "as is" with no warranties of any kind.
Term and Termination; Modification
This Agreement will take effect at the time you click "Continue" below, and shall terminate on the date the Security Freeze Service is no longer available to you on the TransUnion web site for any reason.
We may (i) change the terms of this Agreement, or (ii) change the Security Freeze Services, including eliminating or discontinuing any content or feature, restricting the hours of availability, limiting the amount of use permitted, or changing a fee for the Security Freeze Service without notice of such modification. All changes shall be effective immediately upon posting of such notice. If you use the Security Freeze Service, after a change in the Agreement, you agree to be bound by all of the changes. You are expected to review the TransUnion web sites periodically to ensure familiarity with any posted notices of modification.
If you have any questions about this Agreement or any TransUnion web site, they should be sent to TransUnion LLC, Attention: General Counsel, 555 W. Adams St., Chicago, IL 60661.
Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your registration information, please log in to the TransUnion web site (https://freeze.transunion.com) and visit the 'My Account' section from the main menu. Use the userid and password you have created for this purpose (please make sure you write them down and keep them in a safe place).
By accepting these terms and conditions, you agree to accept online delivery of confirmation notices as a replacement for postal mail delivery when using the Security Freeze Service (Oregon residents will continue to receive their letters confirming the addition of a Security Freeze by postal mail delivery).
The laws applicable to the interpretation of these terms and conditions shall be the laws of the State of Illinois, USA, and applicable federal law, without regard to any conflict of law provisions. We can only provide credit reports or credit file disclosures for individuals who have established credit in the United States. Those who choose to access any TransUnion web site from outside the United States do so on their own initiative and are responsible for compliance with local laws.
This Agreement constitutes the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are null and void.
If a court of competent jurisdiction deems any portion of this Agreement invalid or unenforceable, the remaining portions will remain valid, enforceable, and carried into effect, to the fullest extent permissible. Any rights not expressly granted herein are reserved.