To access this Website or some of the resources it has to offer, you may be asked to provide certain registration details or other information, in addition to a password.
It is a condition of your use of this Website that all the information you provide will be correct, current, and complete. If Credit Karma Credit Builder believes the information you provide is not correct, current, or complete, Credit Karma Credit Builder has the right to refuse you access to this Website or any of its resources, and to suspend or terminate your access at any time.
Any passwords used for this Website are for individual use only. You will be responsible for the security of your password (if any). Credit Karma Credit Builder will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Credit Karma Credit Builder considers insecure, Credit Karma Credit Builder will be entitled to require the password to be changed and/or terminate your access at any time.
Trademarks, service marks, and logos appearing in this Website are the property of Credit Karma Credit Builder or the party that provided the trademarks, service marks, and logos to Credit Karma Credit Builder. Credit Karma Credit Builder and any party that provided trademarks, service marks, and logos to Credit Karma Credit Builder retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this Website.
The material and content accessible from this Website, and any other World Wide Website owned, operated, licensed, or controlled by Credit Karma Credit Builder (the ‘‘Content’’), is the proprietary information of Credit Karma Credit Builder or the party that provided the Content to Credit Karma Credit Builder, and Credit Karma Credit Builder or the party that provided the Content to Credit Karma Credit Builder retains all right, title, and interest in the Content. Neither title nor intellectual property rights are transferred to you by access to this Website.
Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, crayon drawing, or otherwise, without the prior written consent of Credit Karma Credit Builder, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. You may not modify, participate in the sale or transfer of, or create derivative works based on any Content, in whole or in part. You also may not “mirror” any material contained on this Website on any other server. Any unauthorized use of any Content or Trademarks from this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications statutes and regulations.
This Website may be hyperlinked to other websites controlled, owned, and operated by third parties (the “third-party sites”). Hyperlinks to third-party sites are provided solely as a service to users. The hyperlinks do not indicate any affiliation between Credit Karma Credit Builder and the third-party sites or an endorsement by Credit Karma Credit Builder of the third-party sites and any content therein.
You hereby grant to Credit Karma Credit Builder the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to Credit Karma Credit Builder through this Website (together, the ‘‘Submission’’), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. Credit Karma Credit Builder will not be required to treat any Submission as confidential and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind and will not incur any liability as a result of any similarities that may appear in future Credit Karma Credit Builder operations.
You may not post, send, upload, submit, publish, transmit, or otherwise make or attempt to make available, in connection with this Website, any material that:
- discloses private or personally identifiable information of any third party, including, without limitation, names, addresses, phone numbers, email addresses, Social Security numbers, driver’s license numbers, or bank account or credit card numbers, whether or not such private or personally identifiable information is displayed on or ascertainable from the Website, or obtained or obtainable from sources unrelated to the Website (such as from an online research);
- is the proprietary material of any third party;
- advocates illegal activity or discusses an intent to commit an illegal act;
- is vulgar, obscene, pornographic, or indecent;
- does not pertain directly to this Website;
- threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening, or offensive;
- infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
- violates any law or may be considered to violate any law;
- impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
- advertises any commercial endeavor;
- includes programs that contain viruses, worms, and/or Trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications;
- includes MP3 format files;
- disobeys any policy or regulations established from time to time regarding use of this Website or any networks connected to this Website; or
- contains hyperlinks to other Websites that contain content that falls within the descriptions set forth above.
You understand that Credit Karma Credit Builder cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Website for the reconstruction of any lost data. Credit Karma Credit Builder does not assume any responsibility or risk for your use of the Internet.
CREDIT KARMA CREDIT BUILDER DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. CREDIT KARMA CREDIT BUILDER DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CREDIT KARMA CREDIT BUILDER MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT CREDIT KARMA CREDIT BUILDER, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR ITS CONTENT. CREDIT KARMA CREDIT BUILDER MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information in this Website, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this Website, and Credit Karma Credit Builder does not undertake any obligation to update such information after it is posted or to remove such information from this Website if it is not, or is no longer, accurate or complete.
You agree that all access and use of the Website and its contents is at your own risk. Neither we, nor any third party involved in creating, producing or delivering the Website, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Site and/or Services, or any aspect thereof.
ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account.
A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account.
B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500. Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.
Please contact us by emailing us at firstname.lastname@example.org (1) if you believe a transaction receipt or a statement is wrong, or (2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared. For business accounts, we must hear from you within one (1) business day of us sending you a receipt. Your inquiry must include: (x) your name, email associated with your account, and your account number (if available); (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and (z) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry via email within ten (10) business days.
Ten-Day Time Period: Credit Karma Credit Builder will investigate promptly and, except as otherwise provided in this paragraph, shall determine whether an error occurred within 10 business days of receiving a notice of error. Credit Karma Credit Builder shall report the results to the consumer in writing within three business days after completing its investigation. Credit Karma Credit Builder shall correct the error within one business day after determining that an error occurred.
If Credit Karma Credit Builder is unable to complete its investigation within 10 business days, Credit Karma Credit Builder may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided Credit Karma Credit Builder does the following:
(1) Provisionally credits the consumer's account in the amount of the alleged error (including interest where applicable) within 10 business days of receiving the error notice. Credit Karma Credit Builder need not provisionally credit the consumer's account if:
- Credit Karma Credit Builder does not receive written confirmation within 10 business days of an oral notice of error; or
- The alleged error involves an account that is subject to Regulation T (Securities Credit by Brokers and Dealers, 12 CFR part 220)
(2) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation;
(3) Corrects the error, if any, within one business day after determining that an error occurred; and
(4) Reports the results to the consumer within three business days after completing its investigation (including, if applicable, notice that a provisional credit has been made final).
Extension of time periods. The time periods described above may be extended as follows:
- Extension of Ten-Day Time Period - The time limit for resolution is extended to 20 business days in place of 10 business days if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made; or
- Extension of Forty-Five Day Time Period - The time limit for resolution is extended to 90 days in place of 45 days for completing an investigation, if a notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to the account was made.
For help, please contact email@example.com or call us at 1 (888) 858-8248.
Monday - Friday / 8am - 8pm CT, Saturday - Sunday / 9am - 4:30pm CT
The following arbitration provision and class action and jury trial waiver (the “Arbitration Provision”) do not apply to you if you are a "Covered Borrower," as defined by Federal regulations at 32 C.F.R. § 232.3(g), because on the date you access this website you are a member of the armed forces serving on active duty or a dependent of such member.
“Administrator” means the American Arbitration Association (“AAA”), 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879.
If you or we request arbitration of a Claim, you and we will not have the right to litigate the Claim in court. This means (i) there will be no jury trial on the Claim; (ii) there will be no pre-arbitration discovery except as the Administrator’s rules permit; and (iii) no Claim may be arbitrated on a class-action, private attorney general, or other representative basis, and neither you nor we will have the right to participate as a representative or member of any class or group of claimants pertaining to any Claim subject to arbitration. You or we may elect to arbitrate any Claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.
Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Provision. If the value of the relief you seek is $10,000 or less, at your request, we will pay all Arbitration Fees, unless we can demonstrate the claim is frivolous. If the value of relief sought is more than $10,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, we will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules and applicable law.
If any part of this Arbitration Provision cannot be enforced, the rest of the arbitration provision will continue to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines that applicable law requires this Arbitration Provision to be enforced in a way that would result in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or representative basis or other non-individual basis, then the arbitrator must decline to hear the dispute and will refer the parties to a court or other body with sufficient authority. In the event of any conflict or inconsistency between this Arbitration Provision and the Administrator’s rules or other provisions of this Agreement, this Arbitration Provision will govern.
You may reject this Arbitration Provision by mailing a signed rejection notice to the address for Credit Karma Credit Builder above within 30 calendar days of the date that you access this Website. Your rejection notice must include the following information: your name, physical address, e-mail and address, and telephone number, and a statement that you are rejecting this Arbitration Provision.