Service Agreement
Welcome to the TransUnion Interactive web site, membership.tui.transunion.com, (the "Site"). This Service Agreement is part of the "Agreement" defined in the Terms of Use, and contains additional terms and conditions upon which you ("you," or the "member") may access and use the various product offerings from TransUnion Interactive, including but not limited to: TransUnion Credit Monitoring, calculators, simulators or any products or product features offered (the "Products"). General “Terms of Use” apply equally to your use of the products, and can be found by scrolling up, or by clicking here:https://membership.tui.transunion.com/tucm/support.page?panel=terms. For the avoidance of doubt, the Terms of Use, the Privacy Notice, and the Security document are hereby incorporated into this Service Agreement as if set forth herein in full, and you agree to the terms set forth therein. The Service Agreement, the Terms of Use, the Privacy Notice and the Security document are collectively referred to as the “Agreement.”
General Terms
General Terms can be found in the Terms of Use, found by scrolling up, or by clicking here: https://membership.tui.transunion.com/tucm/support.page?panel=terms, or by staying on this page and scrolling up to the “Terms of Use” section. For the avoidance of doubt, by agreeing to this Service Agreement, you agree to the terms contained in the Terms of Use, including an ARBITRATION PROVISION.
Registration and Accurate Information
If you decide to register on our Site, become a member of one of our membership programs, purchase any of our Products or participate in our affiliate program, contests or surveys, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion Interactive promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your TransUnion Interactive account and your right to use the Site. Online access to consumer credit report information is subject to verification of the identity of the user. We reserve the right to suspend or cancel any accounts that we believe are or were involved in fraudulent activities, in our sole discretion.
Subscriber Code; Gift Certificates
For Customers with a subscriber code or gift certificate code, obtained through a third-party provider: Your gift certificate entitles you to receive free Product(s) pursuant to the terms outlined by your provider. There will be no charge made to you for these Products, the Products will not be renewed at the end of the relevant subscriber period and your credit card will not be charged. If you desire Products from TransUnion Interactive after the end of the subscriber period provided by your provider through the subscriber code or gift certificate code, it will be necessary to order the Product(s) available at the then-market rate.
Free Trials
Sometimes TransUnion Interactive will offer trial services at the beginning of paid services and subscriptions. At the end of the free trial period, you will be automatically billed on a recurring basis for the service on a going-forward basis. The terms of any free trial are specific only to the product(s) subject to the free trial. TransUnion Interactive will verify your billing information before processing your order. An authorization will be requested from your billing account to make sure it is valid and in good standing. TransUnion Interactive will not bill your account until the relevant free trial period is completed and you have not cancelled your subscription during such trial period as provided below. If you upgrade to a new monitoring subscription during a free trial, you will lose all benefits to the trial and will be billed immediately for the upgraded service. You may cancel your subscription at any time during the trial period without charge. To cancel your subscriptions please contact our Customer Service Team by going to https://membership.tui.transunion.com/tucm/support.page. If you wish to continue your subscription, do nothing and your subscription will automatically continue without interruption. The monthly fee (plus sales tax, if applicable) will be charged at the conclusion of the trial period to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that was most recently used on the Site and your subscription will continue automatically, billable monthly at the prevailing rate. For the avoidance of doubt, you understand that a free trial is part of an introduction to a paid product, and that at the end of the free trial period, you will be charged monthly for a subscription service until you cancel. Any free trial is available one time only per consumer customer.
Money Back Guarantees
If you enrolled in or purchased a Product with a “money-back guarantee,” you are eligible to receive back the amount you paid (minus tax) for the product for up to 30-days (or other applicable time period) only. If you request to receive back the money you paid after the applicable time period has expired, then you will not be eligible to receive your money back. The time period begins tolling on the day that you purchase the Product. In order to receive back the amount that you paid, please call Customer Service toll-free at (855) 681-3196, with your transactional information handy. Any “money-back guarantee” is available one time only per consumer customer.
Memberships; Subscriptions
When you become a member in one of our subscription products, you understand that it is a membership that automatically renews itself every month indefinitely without action. TransUnion Interactive will charge the then-current monthly membership fee (plus sales tax, if applicable) to the credit card, debit card or bank account that you designated as your preference, or if you have not designated a preference, to the account most recently used on the Site. Should the billing account fail to authorize, you will be notified via email immediately. The benefits of your membership (including, without limitation, online credit reports and credit monitoring alerts) will be suspended until payment is received, provided payment is received within 25 days. If payment is not received within 25 days, your membership will be cancelled. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is canceled by the enrolled member or otherwise terminated as described later in this document. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member's data and other benefits. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time by following the directions at by going to https://membership.tui.transunion.com/tucm/support.page. Should you decide to cancel your subscription a Customer Service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current month. Any free trial is available one time only per customer. Once any free trial has been canceled, all subsequent orders will be billable at the prevailing monthly subscription rate. TransUnion Interactive reserves the right to adjust pricing for our Products or any product features at any time, effective upon notice to our consumers.
Credit reports, credit scores and debt analysis will be available for a period of up to one year or until you update your report, otherwise, products will be provided for the period stated in the product description.
Memberships, such as monitoring products, automatically renew indefinitely without action by the member, and the membership fee is charged to the member at the time of renewal. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is cancelled by the enrolled member or otherwise terminated as described later in this document. Consent to obtain credit data to fulfill the benefits of subscription products shall be valid under the program until cancelled. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to member's data and other benefits, including, any 3-Bureau Credit Report and Scores separately purchased during the subscription. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. To cancel your membership please contact our Customer Service Team. For contact information and hours of service go to https://membership.tui.transunion.com/tucm/support.page.
TransUnion Interactive is not responsible for any overdraft/over-the-limit charges or bank fees triggered by your order being processed or billed. We suggest using a credit card rather than a debit card. Refunds will not be issued if we have successfully located and delivered your order to you.
TransUnion Credit Monitoring; Three Bureau Credit Monitoring
TransUnion Credit Monitoring (including TransUnion Credit Monitoring Basic, TransUnion Credit Monitoring, and other credit monitoring products offered on or through this site) is provided by TransUnion Interactive, Inc. Credit Monitoring monitors one or more of your credit files, depending upon the type of credit monitoring you purchase, which are separately owned and/or maintained by each of the applicable credit bureaus: TransUnion LLC, Experian, and Equifax. Credit Monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. Credit Monitoring may not advise or alert you if an item of identifying information about you (including your name or address or Social Security number) is contained in the applicable credit bureau's credit file of another person, and will not provide you with any information contained in another individual's credit file. Products provided by TransUnion Interactive, including Credit Monitoring, do not monitor, or cross-reference your credit file (s) with the credit file(s) of any other person.
Please remember that there are different processing times for the commencement of services at each credit reporting bureau, therefore you may not be enrolled in all of them at the same time. Monitoring with TransUnion LLC usually begins within 48 hours of enrollment but may be delayed. If TransUnion Interactive is unable to confirm enrollment for any reason, notification will be made to the email address we have on record for you at the time of the notice. Monitoring with Equifax and Experian takes on average approximately 4 days to begin, though in some cases monitoring cannot be initiated during the trial period, (if a trial period applies). TransUnion Interactive does not control and is not responsible for the Equifax or Experian enrollment process.
When you order a single-bureau credit monitoring product from TransUnion Interactive, TransUnion Interactive requests that TransUnion LLC enroll you in its credit monitoring service. When you order a credit monitoring product from TransUnion Interactive that monitors credit files at three credit bureaus, TransUnion Interactive requests that each individual credit bureau enrolls you in their respective credit monitoring service.
The TransUnion single bureau credit monitoring product is conditioned upon successful enrollment by TransUnion LLC in its credit monitoring service; if TransUnion LLC is not able to enroll you, your order will be cancelled and you will not be charged or you will not receive alerts or monitoring of changes to your TransUnion credit file. TransUnion Interactive will notify you in the event that TransUnion LLC is not able to enroll you in credit monitoring, but such notification may not occur during your trial period, if any.
Your order of any three bureau credit monitoring product is conditioned upon successful enrollment by at least one credit bureau in its credit monitoring product. If no credit bureau is able to enroll you in its credit monitoring program, your order will be cancelled, and you will not receive alerts or monitoring of changes to any of your credit files. In the event that one or two credit bureaus, but not all three bureaus, are able to enroll you in their credit monitoring, credit monitoring will be provided by the bureau or bureaus that were able to enroll you; you will not receive alerts or monitoring of changes to the credit files of the bureau or bureaus that were not able to enroll you in their respective credit monitoring programs. In the event you order a three-bureau credit monitoring product, by placing your order, you agree that, if fewer than all three credit bureaus enroll you in their credit monitoring; TransUnion Interactive is authorized to monitor only the credit files at the bureau or bureaus that enrolled you. Any such credit monitoring will be provided at the price agreed upon; you will not be eligible for a price reduction, discount or refund. TransUnion Interactive will notify you in the event that fewer than all three credit bureaus enroll you in credit monitoring, but such notification may not occur during your trial period, if any. If TransUnion Interactive is not able to enroll a consumer in the three-bureau product that the consumer requested, the consumer must change his or her subscription within 30 days or the subscriber will continue in their current subscription at the three-bureau price.
Fraud Resolution Services
If your subscription includes Fraud Resolution Services, TransUnion Interactive will provide you with certain fraud resolution services outlined below (the "Fraud Resolution Services") during the period that you are a member. TransUnion Interactive and its third party service providers are obligated only to provide services in the United States to members domiciled in the United States. The Fraud Resolution Services are provided by TransUnion, LLC, the parent of TransUnion Interactive, under an agreement with TransUnion Interactive.
In no event shall TransUnion Interactive or TransUnion, LLC be liable for consequential damages, for any delay in Fraud Resolution Services, or for loss of use of funds during the period that your service request is being processed. TransUnion Interactive and TransUnion, LLC shall not be obligated to provide Fraud Resolution Services, nor shall it be liable, if you have not provided complete, accurate and current information relating to your service request. TransUnion Interactive and TransUnion, LLC are not obligated or responsible for providing Fraud Resolution Services for any service request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) any losses, damages or expenses that were incurred or commenced prior to your membership commencement, and (f) theft or damages of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.
Identity Theft Products
If your Product selection includes the Identity Theft Products, you may have access to the Identity Theft Products described below. In order provide the Identity Theft Products to you, TransUnion Interactive may have to exchange certain information about you with third parties in order to provide the products. The Identity Theft Products include the following products:
Identity Theft Insurance
If your Product selection includes identity theft insurance, the identity theft insurance benefit is underwritten and administered by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively referred to as, "AIG") under a master group policy issued to TransUnion Interactive for the benefit of credit monitoring members. A summary of the terms of coverage are set forth in the document located at membership.tui.transunion.com/tucm/idTheftInsBenefits.page. The complete policy is available from TransUnion Interactive on request. AIG administers all claims and TransUnion Interactive shall have no responsibility with respect to such identify theft benefit.
ID Restoration
If your subscription includes ID Restoration, you may have access to ID Restoration, which allows us to work on your behalf and provide our full line of restoration services, and to outline a restoration plan with you. TransUnion Interactive may have to exchange certain information about you with third parties in order to provide the ID Restoration services to you.
Lost Wallet
If your subscription includes Lost Wallet, you may have access to Lost Wallet, which provides services to help you cancel your cards in the event that any of your personal information, driver's license, credit cards, debit cards, Social Security card, or other important information has been stolen. TransUnion Interactive may have to exchange certain information about you with third parties in order to provide the Lost Wallet services to you.
TransUnion Credit Lock and Multi-Bureau Credit Lock
In the event you select a product or enroll in a membership that includes Credit Lock, you acknowledge that some of the features of Credit Lock may not be available to you under the laws of certain states. In the event you cancel any subscription that includes Credit Lock as a benefit, you will cease receiving Credit Lock upon cancellation.
Creditors, lenders (when you apply for a loan), landlords and employers can request and view your credit report (“Information Requestors”). Locking your TransUnion Credit Report blocks certain third parties such as potential creditors from looking at it, which may serve as a critical step in preventing an identity thief from applying for credit in your name. Credit Lock is part of your credit monitoring subscription, so if you cancel your subscription, your TransUnion credit report will be unlocked, and it will be viewable by Information Requestors again.
You acknowledge that Credit Lock will only prevent delivery of your TransUnion credit report. It will not apply to your Equifax or Experian credit report. Remember that while a credit lock prevents most third party access to your credit report, a third party may access a locked report in certain instances that are considered a low risk for identity theft, such as official government investigations, collection activities, insurance underwriting and claims administration and to send you pre-approved offers of credit. In order to opt out of receiving pre-approved offers, please visit www.optoutprescreen.com. Finally, you will not be able to use TU Credit Lock if you have a security freeze on your TransUnion Credit Report.
Educational Tools
If your Product selection includes the Educational Tools, you may have access to Calculators, Credit Score Simulators, Debt Analysis and Comparison Reports (the “Educational Tools”) for educational purposes, which include certain calculators, which may allow you to calculate, for instance: the income you may have or need for retirement; the amount you may accrue in interest on a credit card; the amount that you may have to pay back in the event that you take out a student loan or a personal loan (collectively, the “Calculators ”). THESE EDUCATIONAL TOOLS ARE ONLY ESTIMATES AND ARE FOR EDUCATIONAL USE ONLY. THE EDUCATIONAL TOOLS ARE PROVIDED TO YOU AS A COURTESY TO MONITOR YOUR CREDIT HEALTH AND TO MAKE INFORMED CREDIT DECISIONS ON YOUR OWN BEHALF. TRANSUNION LLC, TRANSUNION INTERACTIVE, INC. AND ITS SUSBIDIARIES AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE EDUCATIONAL TOOLS, NOR DO TRANSUNION LLC, TRANSUNION INTERACTIVE, INC. AND ITS SUBSIDIARIES AND AFFILIATES MAKE ANY GUARANTIES WITH REGARD TO THE EDUCATIONAL TOOLS OR AN INDIVIDUALS USE OF THE.EDUCATIONAL TOOLS. THE EDUCATIONAL TOOLS ARE NOT AN OFFER OF CREDIT.
No personal information or data is recorded or stored in the Calculators and Credit Score Simulators. The information that you enter into the Educational Tools does not impact your credit score(s).
Calculators
As part of your subscription and/or membership, you may be provided with access to the Calculators, which may provide you with information to calculate. THESE CALCULATIONS ARE ONLY ESTIMATES AND ARE FOR EDUCATIONAL USE ONLY. THE CALCULATORS ARE PROVIDED TO YOU AS A COURTESY TO MONITOR YOUR CREDIT HEALTH AND TO MAKE INFORMED CREDIT DECISIONS ON YOUR OWN BEHALF. TRANSUNION AND ITS SUSBIDIARIES AND AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE CALCULATORS, NOR DO TRANSUNION AND ITS SUBSIDIARIES AND AFFILIATES MAKE ANY GUARANTIES WITH REGARD TO THE CALCULATORS OR AN INDIVIDUALS USE OF THE CALCULATORS. THE CALCULATORS ARE NOT AN OFFER OF CREDIT.
No personal information or data is recorded or stored in the Calculators. The information that you enter into the calculators does not impact your credit score(s).
Dashlane
If, in the course of your relationship with TransUnion Interactive, you receive a Dashlane product, you will be provided with a Dashlane code. Such code will be active for up to 90-days, after which the code will expire and will not be available to consumers. If applicable, we recommend that you activate your Dashlane code as soon as you receive it in order to ensure that you receive the benefit of the product. Thereafter, you will have access to your Dashlane product for one-year from the date that you activated the code. If you wish to continue using your Dashlane product at the end of the one-year period, then you will have to enroll with Dashlane. Use of such Dashlane products will be governed by the terms and conditions found at https://www.dashlane.com/. Please visit the Dashlane site for more information.
VantageScore® Credit Score by TransUnion
If you enroll in, purchase, or select a product that contains a credit score, the score provided to you is the VantageScore® Credit Score. The VantageScore® Credit Score by TransUnion is provided to help you better understand how lenders view your credit report. It is not an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether or not you are a good candidate for a loan and what interest rate you will pay. However, each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will incorporate additional information you provide and may obtain references. In addition, even if you are approved, the terms and conditions of loans vary from lender to lender. The information used to determine your credit score comes from one of the three major credit bureaus – TransUnion, Equifax and Experian. Credit reports are a compilation of credit information that is reported to the applicable bureau by the various lending institutions with which you have accounts. The information contained in your report reflects the latest information provided to the applicable bureau. If you recently made a payment, opened a new account, or authorized inquiry, it may not yet be reflected in the credit report of any one of the bureaus you receive. Likewise, if the information is not included in the applicable credit report it will not be reflected in your credit score based on such report. Also, disputed items are not incorporated in the assessment of your credit score. Your credit score will change each time new information is captured in the credit report on which it is based. TransUnion Interactive is not connected in any way with Fair Isaac and Company; the credit scores provided here are not so-called FICO® scores. The VantageScore® Credit Score by TransUnion may not be identical in every respect to any consumer credit scores produced by any other company.
What You Need to Know
There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. Like other credit scores offered to consumers, the credit score that TransUnion Interactive offers may not be likely to be the same score used by lenders or other commercial users for credit decisions. Only your lender can determine which credit score it may use to determine your credit eligibility.
TransUnion Mobile
The Products may offer features and services that are available to you, and delivered by us, through your mobile phone. These features may include, without limitation, the ability to upload Product content to your mobile phone, receive Product messages on your mobile phone, download applications to your mobile phone or access the Product's features on your mobile phone (collectively, "TransUnion Mobile"). Standard messaging, data and other fees may be charged by your carrier to utilize TransUnion Mobile. Fees and charges will appear on your mobile bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain features of TransUnion Mobile and certain features may be incompatible with your carrier or mobile device. Contact your carrier with questions regarding these issues.
If you access TransUnion Products through a mobile device or download a TransUnion application to your mobile device, you hereby agree that TransUnion Mobile may send communications to your mobile device. You also agree that, we may collect information related to your use of TransUnion and its Products. If you have registered for TransUnion Mobile, you agree to notify TransUnion of any changes to your mobile number and update your account to reflect any such change. You understand that if you change your mobile number (or email address) and you have signed up to receive alerts or other information via text (or email), that you will not receive such information unless and until you update your mobile number (or email address) in your account settings. Please note that you may not receive all text alerts, so we recommend that you sign in to your online account at least once per month to ensure that you receive all alerts.
Price Modifications
From time to time, TransUnion Interactive may examine the prices that we charge for our products, and update them over time. Consumers will be notified of any pricing changes via an interstitial posted on the TransUnion Interactive home page, or by push notification or by email notification.
Our Privacy Notice
By using our Site, becoming a member of one of our membership programs, or purchasing any of our products or services, you agree that we may use and share your personal information in accordance with the terms of our Privacy Notice. In the event you indicate that you want to receive offers from TransUnion Interactive, your information may be used to serve relevant ads to you when you visit the site. Our Privacy Notice can be reached by scrolling up, or click here:https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Term and Termination; Modification
This Service Agreement shall be governed by the termination conditions documented in the Terms of Use, found here:https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Notices
Please see the Terms of Use for information on Notices, found by staying on this page and scrolling up to the Terms of Use section, or by clicking here: https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Applicable Law
Please see the Terms of Use for information on Applicable Law, found by staying on this page and scrolling up to the Terms of Use section, or by clicking here: https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Policy Regarding Children
Please see the Terms of Use for information on our Policy Regarding Children, found by staying on this page and scrolling up to the Terms of Use section, or by clicking here:https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Arbitration Provision
Please see the Terms of Use for information on our Arbitration Provision, found by staying on this page and scrolling up to the Terms of Use section, or by clicking here: https://membership.tui.transunion.com/tucm/support.page?panel=terms.
Cancellation
To cancel your Products or subscriptions, please go to https://membership.tui.transunion.com/tucm/support.page or call toll-free at (855) 681-3196 and contact our Customer Service Team.
Pre-Screen Opt-Out
Under the Fair Credit Reporting Act (FCRA), the Consumer Credit Reporting Companies are permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you ("Firm Offers"). The FCRA also provides you the right to "Opt-Out", which prevents Consumer Credit Reporting Companies from providing your credit file information for Firm Offers. In order to opt out of receiving pre-approved offers, please visit www.optoutprescreen.com.
If you choose to Opt-Out, you will no longer be included in firm offer lists provided by Equifax, Experian, Innovis, and TransUnion. If you are not receiving firm offers because you have previously completed a request to Opt-Out, you may request to Opt-In by going to www.optoutprescreen.com. In doing so, you will soon be among the many consumers who can significantly benefit from having ready access to product information on credit and insurance products that may not be available to the general public.