Terms and Conditions
Updated February 17, 2022
OVERVIEW AND ACCEPTANCE OF TERMS
THE SERVICES& CONSENT
LIMITATION OF LIABILITY
CONSENT FOR ELECTION SIGNATURES, RECORDS AND DISCLOSURE ("E-CONSENT")
NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
OVERVIEW AND ACCEPTANCEOF TERMS
These Terms govern theuse of the iSoftpull credit report requisition service (the “Service”) byindividuals seeking to be granted credit (“Applicants,” “you,”) with our customer.
You may not use or enrollin any Services, and you may not accept this Agreement, if you are not of alegal age to form a binding contract with ISOFTPULL. If you accept thisAgreement, you represent that you have the capacity to be bound by it. Beforeyou continue, you should print or save a local copy of this Agreement for yourrecords.
This Agreement may beupdated from time to time. You should check this Website regularly for updatesto this Agreement. Each time you order, access or use any of the Services orWebsites, you signify your acceptance and agreement, without limitation orqualification, to be bound by the then current Agreement. Modifications takeeffect as soon as they are posted to this Website (or any of the Websites, tothe extent applicable to you), delivered to you, or reasonably made availableto you in writing by ISOFTPULL.
THE SERVICES & CONSENT
You understand and agreethat by using the Service, you have provided "written instructions"in accordance with the Fair Credit Reporting Act, as amended("FCRA"), for ISOFTPULL to obtain your credit report and/or creditscore(s) and, pursuant to such authorization, to convey such to our Customer sothat they may determine whether to extend you credit.
While ISOFTPULL usesreasonable efforts to present the most accurate information, ISOFTPULL does notcontrol or compile your credit report and is not responsible for its content,nor is it responsible for the accuracy or reliability of any informationcontained therein.
Unless otherwisespecified, the Services made available through the Websites are intended foruse by U.S. consumers only. We make no representations or warranties that theinformation, products or services provided through the Services or the Websitesare appropriate for access or use in other jurisdictions.
Recognizing the globalnature of the Internet, however, you agree to comply with all local lawsincluding, without limitation, laws about the Internet, data, email, export, orprivacy. Specifically, you agree to comply with all applicable laws regardingthe transmission of technical data exported from the U.S. and the country inwhich you reside. Notwithstanding the above, we reserve the right to limit theavailability of the Services or the provision of any Services to any person,geographic area, or jurisdiction, at any time and in our sole discretion.
ISOFTPULL may use yourpersonal information to the extent necessary to authenticate your identity,process your order or request for, and provide, the Services to you, as well asfor quality assurance, account and business maintenance, and such otherbusiness uses in accordance with applicable law.
YOU EXPRESSLY UNDERSTANDAND AGREE THAT YOUR USE OF THE SERVICES AND WEBSITES IS AT YOUR SOLE RISK. ALLSERVICES AND WEBSITES ARE PROVIDED ON AN "AS IS" OR "ASAVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ISOFTPULL(AND ITS AFFILIATES AND SUPPLIERS) EXPRESSLY DISCLAIM ALL WARRANTIES ORGUARANTEES OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITEDTO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULARPURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE SERVICESAND WEBSITES OR OTHER MATERIALS YOU MAY RECEIVE FROM ISOFTPULL DO NOTCONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. ISOFTPULL (ANDITS AFFILIATES AND SUPPLIERS) MAKE NO WARRANTY THAT (I) THE SERVICES AREACCURATE, TIMELY, SECURE, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTSTHAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE.
LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREETHAT ISOFTPULL WILL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL,SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAYCONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE SERVICES OR WEBSITES,OR FROM YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY WEBSITEOR LINKED WEBSITE, WHETHER FORESEEABLE OR NOT AND HOWEVER CAUSED, EVEN IF ISOFTPULLHAS BEEN ADVISED OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF THOSE DAMAGES.SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSIONOR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESEJURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THEMAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. WITHOUT LIMITING THE GENERALITY OFTHE FOREGOING, YOU AGREE IN ANY EVENT THAT ISOFTPULL'S TOTAL LIABILITY TO YOUFOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN)FROM ISOFTPULL'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLECLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO ISOFTPULL FOR THE SERVICESDURING THE TWELVE (12) MONTHS PRIOR TO THE DATE OF THE EVENT GIVING RISE TO THELIABILITY.
CONSENT FOR ELECTION SIGNATURES, RECORDS AND DISCLOSURE("E-CONSENT")
Please read thisinformation carefully and print a copy and/or retain this information forfuture reference.
Option for Paper orNon-Electronic Records. Youmay request any Disclosures in paper copy by contacting the third party lendingplatforms directly. The lending platforms will provide paper copies at nocharge. The lending platforms will retain all Disclosures as applicable lawrequires.
Scope of Consent. This E-Consent applies to allinteractions online concerning you and the third party lending platforms andincludes those interactions engaged in on any mobile device, including phones,smart-phones, and tablets. By exercising this E-Consent, the third partylending platforms may process your information and interact during all onlineinteractions with you electronically. The lending platforms may also send younotices electronically related to its interactions and transactions.Disclosures may be provided online at our or third party lending platforms'websites, and may be provided by e-mail.
Consenting to Do BusinessElectronically. Before you decideto do business electronically with the third party lenders, you should considerwhether you have the required hardware and software capabilities describedbelow.
Hardware and SoftwareRequirements. To access andretain the Disclosures electronically, you will need to use the followingcomputer software and hardware: A PC or MAC compatible computer or other devicecapable of accessing the Internet, access to an e-mail account, and an InternetBrowser software program that supports at least 128 bit encryption, such asMicrosoft® Internet Explorer, Netscape® or MozillaFirefox®. To read some documents, you may need a PDF file readerlike Adobe® Acrobat Reader X ® or Foxit®.You will need a printer or a long-term storage device, such as your computer'sdisk drive, to retain a copy of the Disclosures for future reference. You maysend any questions regarding the hardware and software requirements directly tothe third party lending platforms.
Withdrawing Consent. Your E-Consent with respect toDisclosures about credit opportunities, including prequalified credit andpersonal loan offers submitted through ISOFTPULL for our third party lendingplatforms' consideration of your offer request cannot be withdrawn because itis a one-time transaction. If you are matched with one or more third partylending platforms, you are free to withdraw your E-Consent with those thirdparty lending platforms at any time and at no charge. However, if you withdrawthis E-Consent before receiving credit, you may be prevented from obtainingcredit from the lending platforms. Contact the third party lending platformsdirectly if you wish to withdraw this E-Consent. If you decide to withdraw thisE-Consent, the legal effectiveness, validity, and enforceability of priorelectronic Disclosures will not be affected.
Change to Your ContactInformation. You should keepthird party lending platforms informed of any change in your electronic addressor mailing address. You may update such information by logging into the thirdparty lending platform's website or by sending the lending platform a writtenupdate by mail.
NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
ISOFTPULL offers accessto your credit report, FICO® Score, and other creditinformation. ISOFTPULL is not a credit repair organization, and is not offeringto sell, provide or perform any service to you for the express or impliedpurpose of either improving your credit record, credit history or credit ratingor providing advice or assistance to you with regard to improving your creditrecord, credit history or credit rating. You acknowledge and agree that you arenot seeking to purchase, use, or access any of the Service and Websites (or anycontent in the Websites) in order to do so.
Accurate adverseinformation on your credit report cannot be changed. If you believe that yourcredit report contains inaccurate, non-fraudulent information, it is yourresponsibility follow the appropriate procedures for notifying ISOFTPULL and/orits customers that you believe that your credit report contains an inaccuracy.Any information provided to you regarding the procedures followed related tothe removal of inaccurate, non-fraudulent information is provided without chargeto you and is available for free. Any such information is not included as partof your credit score monitoring product but is provided free of charge to allconsumers, regardless of whether they are customers of the credit scoremonitoring product.