Terms of Service
1. Introduction
Welcome to Experian Credit USA. By using our services, you agree to these Terms of Service. Please read them carefully.
2. Definitions
"Experian," "we," "us," or "our" refers to Experian Credit USA, located at 1520 Beacon Drive, Columbus, OH 43215, USA.
"Services" means all products, services, content, features, technologies, or functions offered by Experian.
3. Use of Services
You must be at least 18 years old to use our Services. You agree to provide accurate and complete information when creating an account and to keep this information up to date.
4. Privacy and Data Protection
Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our Services, you agree to our data practices as described in our Privacy Policy.
5. Credit Reporting and Monitoring
Our credit reporting and monitoring services are designed to provide you with accurate information. However, we do not guarantee the accuracy of information provided by third parties. You are responsible for reviewing your credit reports and disputing any inaccuracies directly with the credit bureaus.
6. Identity Protection
While we offer robust identity protection services, we cannot guarantee prevention of all identity theft incidents. You are responsible for maintaining the confidentiality of your account information and promptly notifying us of any unauthorized use.
7. Subscription and Billing
Some of our Services require a paid subscription. By subscribing, you agree to pay the fees as they become due. We may change our fees upon notice. You may cancel your subscription at any time, but refunds are subject to our refund policy.
8. Intellectual Property
All content and materials available through our Services are the property of Experian or our licensors and protected by intellectual property laws. You may not use, reproduce, or distribute our content without our express permission.
9. Disclaimer of Warranties
Our Services are provided "as is" without any warranties, express or implied. We do not warrant that our Services will be uninterrupted or error-free.
10. Limitation of Liability
To the fullest extent permitted by law, Experian shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.
11. Governing Law
These Terms are governed by the laws of the State of Ohio, without regard to its conflict of law provisions.
12. Changes to Terms
We may modify these Terms at any time. We will notify you of significant changes. Your continued use of our Services after such modifications constitutes your acceptance of the updated Terms.
13. Contact Information
If you have any questions about these Terms, please contact us at:
Experian Credit USA1520 Beacon Drive
Columbus, OH 43215, USA
Phone: +1 614-555-0192