YOUR USE OF THIS WEB SITE AND YOUR TRANSACTIONS CONDUCTED WITH THE COMPANY IN CONNECTION
WITH THIS WEB SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS, ALSO REFERRED
A TRANSACTION WITH THE COMPANY AND WHETHER OR NOT YOU COMPLETE YOUR TRANSACTION
ON THE WEB SITE OR THROUGH OTHER CHANNELS, SUCH AS BY PHONE, BY E-MAIL, FACSIMILE
iQUALIFIER SERVICE, YOU AGREE TO BE BOUND BY THE ARBITRATION CLAUSE BELOW.
This Website (the "Site") is an online source of information about consumer credit
reports, credit scores and products provided by iQualifier for your personal use,
subject to your agreement to the terms and conditions set forth below.
You agree to only access or use this Web site and transact business with us if you
are at least 18 years old. You agree to comply with and be bound by these Terms
of Use as they appear on this Web site each time you access and use this Web site.
Each use of this Web site by you indicates and confirms your assent and agreement
between you and IQualifier that will be enforceable.
You agree that you will not use or attempt to use this Web site for any purpose
other than conducting legitimate business with IQualifier. You agree to not use
or attempt to use this Web site or any part of this site for any purpose: that interferes
with or induces a breach of the contractual relationships between IQualifier and
its employees; that is any way unlawful or prohibited, or that is harmful or destructive
to anyone or their property; that transmits any advertisements, solicitations, schemes,
spam, flooding, or other unsolicited e-mail, unsolicited commercial communications;
that transmits any harmful or disabling computer codes or viruses; that harvests
e-mail addresses from this site; that transmits unsolicited e-mail to this site
or to anyone whose e-mail address included the domain name under on this Web site;
that interferes with our network services; that attempts to gain unauthorized access
to our network services; that suggests an express or implied affiliation with IQualifier
(without the express written permission of IQualifier); that impairs or limits our
ability to operate this Web site or any other person's ability to access and use
this Web site; and/or that uses any methods, means or devices to click on to this
Web site or cause a visit to this Web site for the purpose of manipulating the results
of any Internet search engine; or for any other purpose other than conducting business
PLEASE NOTE THAT IQUALIFIER IS NOT A CREDIT REPAIR ORGANIZATION OR SIMILARLY
REGULATED ORGANIZATION GOVERNED BY THE FEDERAL CREDIT REPAIR ORGANIZATIONS ACT OR
SIMILAR STATE LAWS. IQUALIFIER DOES NOT PROVIDE SO-CALLED "CREDIT REPAIR" SERVICES
OR ADVICE OR GIVE ADVICE OR ASSISTANCE REGARDING "CLEANING UP" OR "IMPROVING" YOUR
CREDIT RECORD, CREDIT HISTORY, OR CREDIT RATING.
Consent to obtain your Credit Report
In order to obtain your credit report or use the iQ Score Manager service, you understand
and agree that by submitting your order you are providing "written instructions"
to iQualifier in accordance with Section 604(a)(2) of the Fair Credit Reporting
Act (FCRA) (i) to obtain your credit report from any consumer credit reporting company
in order to provide the Program, and (ii) if applicable, permit iQualifier to notify
your Mortgage Lender when you may become eligible for the Mortgage Lender's mortgage
You understand your iQualifier.com credit profile is not the credit report used
by lenders to make credit decisions, but is a version that closely approximates
it, and is made to be more understandable.
Right to Cancel
You have a right to cancel your account with iQualifier at any time. If you cancel
your account you understand and agree that you are terminating your right of access
affiliates, and divisions, all of which are referred to as "iQualifier," "we," or
not limited to registered users of iQualifier products or information. Each product
to, and do not override, the specific terms and conditions of the Customer Agreements
that apply to the products or services offered by iQualifier and others through
Agreement for a specific product, the Customer Agreement will govern.
Access to this web site
IQualifier reserves the right at all times, in its sole discretion and without notice
to you, to deny your access to and use of this Web site.
Use of this web site
You agree and acknowledge that you have the sole responsibility and liability for
your use of this Web site and for providing or obtaining, and for maintaining, all
of the hardware, software, electrical power, telecommunications, Internet services,
and other products or services necessary or desirable for you to access and use
this Web site.
Intellectual property rights
The following marks appearing on this Website including, but not limited to IQualifier®
and its respective logos, emblems, slogans and designs are service marks of IQualifier
LLC. Credit Plus is a registered service mark of Credit Plus, Inc. All other marks
used on this Web site are the property of their respective owners.
Intellectual Property Rights
You acknowledge and agree that: all content, Web pages, source code, calculations,
products, materials, data, information, text, screens, functionality, services,
design, layout, screen interfaces, "look and feel", and the operation of this Web
site (collectively "Web Page Content") are protected by various intellectual property
laws, including, but not limited to, copyrights, patents, trade secrets, trademarks,
and service marks; and all rights associated with the Web Page Content are owned
by IQualifier, its licensors, or content providers. Furthermore, you acknowledge
and agree that you do not acquire any ownership rights by downloading or viewing
any Web Page Content. You further acknowledge and agree that you will not in any
way copy, reproduce, publish, create derivative works from, perform, upload, post,
distribute, transfer, transmit, modify, adapt, reverse engineer, frame in any Web
page, or alter the appearance of any Web Page Content. You may not use Web Page
Content, domain names (in whole or in part), or e-mail addresses related to or derived
from this Web site, nor any data, trademarks, functionality, service marks, trade
names, brand names and/or logos contained within or derived from this Web site,
for any purpose; meaning that you may not, among other prohibited uses, use any
Web Page Content, domain names, e-mail addresses, data, trademarks, service marks,
trade names, brand names and/or logos on or derived from this Web site: in or as
any meta-tag or hidden text; in or as part of any contextual marketing directory,
index, or triggering term; as content or advertising related to any other Web site
including, but not limited to, comparative/informational Web sites; and/or as a
variable or data element in any algorithm that causes another Internet browser to
appear on, over, or at the same time as the Company's Web site or controls the content
of any other Internet browser window.
You acknowledge and agree that all submissions to iQualifier containing any comments,
improvements, suggestions, and ideas regarding this Web site will become and remain
our exclusive property, including any future rights associated with such submissions,
means that you forever disclaim any proprietary rights in such submissions, and
you acknowledge IQualifier's unrestricted right to use, publish, and commercially
exploit, identical, similar, or derivative ideas originating from your submission,
in any medium, now and in the future, without notice, compensation or other obligation
to you or any other person.
You acknowledge and agree that all testimonials submitted to iQualifier will become
are later modified or terminated. This means that you irrevocably grant to iQualifier
the unrestricted right (now and in the future, without notice, compensation or other
obligation to you or any other person) to use your statement, image, likeness, as
they may be used, in any medium, in connection with an advertisement or for any
other publicity purpose. You further agree that iQualifier may use any percentage
of your testimonial, image, likeness and/or works, in any way that it sees fit,
and may exclude your name or use a fictions name herewith.
Links to Other Web Sites
For your convenience, this Web site may provide links to other Web sites on the
World Wide Web. Unless expressly stated otherwise on this Web site, iQualifier does
not endorse, approve, sponsor or control, and we are not in any way responsible
for, any of the content, services, calculations, information, products or materials
available at or through any Web sites to which this Web site may provide a link.
By using this Web site you acknowledge and agree that iQualifier will not be responsible
or liable to you or any other person for any damages or claims that might result
from your use of such content, services, calculation, information, products or materials.
No Advertising / No Links
iQualifier does not permit third-party advertising on this Web site. You agree that
you will only create links from another Web site or Web page to this Web site or
any Web page within this Web site after obtaining written permission from iQualifier.
Revisions and Modifications
time, without notice to you, and you agree that you will be bound by the provisions
content, services, products and materials on or available through this Web site
are subject to updating and revision without notice to you. You further acknowledge
contract, unless expressly permitted in writing by the Chief Executive Officer of
You understand and acknowledge that iQualifier controls and operates this Web site
from within the United States of America. This Web site provides information regarding
services and products that are made available in the United States only. We make
no representation that the services or products about which information may be provided
on this Web site will be available (a) anywhere outside of the United States or
(b) in every state within the United States. You acknowledge and agree that you
are responsible for compliance with all federal, state and local laws applicable
to your access to and use of this Web site.
User IDs and Passwords
Certain areas or features of this Web site are restricted to users who have obtained
a user identification and password by completing a registration process described
on this Web site. Please be sure to protect and maintain the confidentiality of
any user identification, password or other identifying information you may obtain
in connection with your use of this Web site. You agree to notify iQualifier immediately
if you believe your user identification, password or other identifying information
has been lost, stolen or otherwise compromised. You also acknowledge and agree that
you are solely responsible for all damages or claims that may arise from any access
to or use of this Web site by any person to whom you have provided your user identification,
password or other identifying information, or by any person who has obtained such
information from you, including, but not limited to, any access to or use of this
Web site that may occur after you have notified us that your user identification,
password or other identifying information has been lost, stolen or otherwise compromised.
Privacy and Security
For information on how iQualifier uses and protects the personal information that
you may be in violation of copyright and other laws of the United States, as well
as applicable state laws, and may be subject to penalties, and (b) you may be responsible
for damages caused to the Company. You agree to indemnify iQualifier and its affiliates,
vendors and licensors, and all of the employees, officers, directors, agents and
representatives of iQualifier and its affiliates, vendors and licensors, against,
and to hold all of them harmless from, all costs, claims, damages, expenses or other
losses, including attorney's fees and court costs, that arise from or are related
to your use of this Web site and/or your breach/violation of or failure to comply
Disclaimer of Warranties and Liability
This Site is for informational purposes only, and is intended to provide helpful
and informative material on the subjects addressed. iQualifier does not provide
legal, accounting, investment, financial, or any other kind of professional advice
or services. To make sure that information or suggestions on this Site fit your
particular circumstances, you should consult with an appropriate professional before
taking action based on any suggestions or information on this Site. iQualifier does
not control the content of your credit reports, which are based on your past or
historical credit behavior, and we cannot change that information for you. Neither
you nor anyone else has the right to have accurate and current information removed
from your credit report. However, if information in your report is inaccurate, you
have the right to dispute it by contacting the applicable credit bureau. We provide
additional information about contacting the credit bureaus elsewhere on the Site.
INFORMATION AND PRODUCTS OFFERED BY IQUALIFIER AND OTHERS THROUGH THIS SITE
ARE PROVIDED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR REPRESENTATION
OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
OR NON-INFRINGEMENT. IQUALIFIER MAKES NO REPRESENTATION CONCERNING, NOR DOES IT
WARRANT OR GUARANTY THE CORRECTNESS, COMPREHENSIVENESS, COMPLETENESS, ACCURACY,
TIMELINESS, MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR USE OR PURPOSE OF ANY
INFORMATION, PRODUCTS, OR SERVICES OFFERED BY IQUALIFIER AND OTHERS THROUGH THIS
SITE. IN NO EVENT WILL IQUALIFIER BE LIABLE TO ANY PARTY FOR ANY DAMAGES OF ANY
KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES,
FOR ANY USE OF THIS SITE OR ANY LINKED SITE INCLUDING, WITHOUT LIMITATION, LOST
PROFITS, LOSS OF USE, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, OR
FAILURE TO ACHIEVE ANY PARTICULAR RESULT, WHETHER IN AN ACTION BASED ON CONTRACT,
NEGLIGENCE, OTHER TORT, OR STRICT LIABILITY, EVEN IF IQUALIFIER IS EXPRESSLY ADVISED
OF THE POSSIBILITY OF THOSE TYPES OF DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE
EXCLUSION OR LIMITATION OF WARRANTIES OR DAMAGES IN CERTAIN TYPES OF AGREEMENTS,
SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU.
Interactive tools such as letter-writing tools, coaching modules, simulators, and
calculators are made available to you as information for your independent, personal
use. We make no representations concerning, and do not guarantee, their accuracy
or their applicability to your circumstances. Tools that are "personalized" reflect
information about you (e.g., your credit score and the factors that are helping
or hurting your score), but do not necessarily take all relevant information into
account or provide results specific to your individual circumstances. The results
of the iQualifier Score Simulator ("Simulator") are intended to approximate the
impact of various actions on your credit score - if your situation is reasonably
typical and if everything else stayed the same. Your actual score, and the results
of any particular action, are the result of a complex interaction of the information
stored in your credit report, some of which changes on a daily basis. The Simulator
is provided for informational purposes only and should not be expected to provide
accurate predictions in all situations. Consequently, we make no promise or guarantee
with regard to the Simulator.
iQualifier does not make loans or credit decisions. iQualifier is not acting as
a representative, agent, or correspondent for any third-party service provider ("Service
Provider"). iQualifier does not endorse any particular Service Provider or loan
or other product. Since everyone's financial circumstances are different you should
make your own determination of which Service Provider, if any, you wish to work
with, and which available loan or other product is most appropriate to your particular
circumstances. You are under no obligation to use this Site to initiate contact
or apply for credit with any of our Service Providers. iQualifier does not guarantee
that you will be matched with a Service Provider, offered a loan or other product
with satisfactory rates or terms, or receive a loan from a Service Provider. Any
information you submit on this Site is not an application for credit or a request
for a loan pre-qualification, but you may be asked to complete an application and/or
provide other documentation to a Service Provider in connection with an application
for credit. There is no minimum credit requirement to use iQualifier's loan services.
Although we work with Service Providers experienced in working with consumers who
have a variety of credit histories, if you have credit problems it is less likely
that you will be offered any particular product, or if you are, that it will be
offered with rates or terms you will find satisfactory. Rates and terms offered
by our Service Providers are determined solely by each individual Service Provider
and will likely vary depending on your particular credit history and other circumstances.
In consideration of your order of, access to, and/or use of any Product, Product
Website, and/or Content you agree to provide true, accurate, complete and current
information about yourself. By registering, you certify that you are eighteen (18)
years of age or older. If any information you provide is untrue, inaccurate or not
current, or if iQualifier has reasonable grounds to suspect that such information
is untrue, inaccurate or not current, iQualifier, at its sole discretion, has the
right to suspend or terminate your order of, use of, and/or access to, any Product,
Product Website and/or Content, and refuse all current or future orders of, use
of, and/or access to, any Product, Product Website and/or Content, or suspend or
terminate any portion thereof. Further, you agree that iQualifier will not be liable
to you, your minor children or any third party if iQualifier suspends or terminates
your order of, use of, or access to any Product, Product Websites or Content, or
any portion thereof, for any reason.
This Site is controlled and operated by iQualifier through its corporate headquarters
in the State of Maryland and this Agreement will be governed by, construed and enforced
in accordance with the laws of the State of Maryland, as it is applied to agreements
entered into and to be performed entirely within that State.
We will try work in good faith to resolve any issue you have with our products or
the Site if you bring that issue to the attention of our customer service department.
However, we realize that there may be rare cases where we may not be able to resolve
an issue to a customer's satisfaction. You agree that any dispute or claim arising
out of or relating in any way to your use of this Site must be resolved exclusively
by binding arbitration. The only exception would be if you have violated or threatened
to violate the intellectual property rights of iQualifier or any third party, in
which case iQualifier or that third party may go to court to seek an injunction
or other appropriate relief. Unless a different procedure is required by applicable
law, the arbitration will be conducted before a single arbitrator in accordance
with the rules of the American Arbitration Association ("AAA"), including the AAA's
Supplementary Procedures for Consumer-Related Disputes (see http://www.adr.org/consumer). Unless a different
result is required by applicable law, no claims of any other parties may be joined
or otherwise combined in the arbitration proceeding. In other words, you agree that
you will not be allowed to file a class action or any kind of class or joint arbitration.
Unless otherwise expressly required by applicable law, each party is responsible
for its own attorneys' fees without regard to which party is deemed the prevailing
party in the arbitration proceeding. Except for punitive and consequential damages
(which the arbitrator is not authorized to award), and subject to these Website
or any provisional or equitable remedy permitted by applicable law.
The award of the arbitrators may be enforced by the prevailing party in any court
having jurisdiction. Each party consents to the non-exclusive jurisdiction of the
courts of the State of Maryland or to any Federal Court located within the State
of Maryland for any action (i) to compel arbitration, (ii) to enforce any award
of the arbitrators, or (iii) at any time prior to the qualification and appointment
of the arbitrator, for temporary, interim, or provisional equitable remedies.
If this arbitration agreement is held to be invalid or otherwise unenforceable for
that exclusive jurisdiction and venue for any claims will be in state or federal
courts in Annapolis, Maryland.
You agree that, even if a statute of limitations or other law provides for a longer
time period, any action against iQualifier, its officers, directors, employees,
agents, licensors, suppliers and any third party providers of information, products,
or services relating to this Site or any information, products, or services available
on or from this Site must be brought within 12 months after the event that gave
rise to the cause of action or it is forever barred.
BECAUSE YOUR USE OF THIS SITE REQUIRES THAT YOU CONSENT TO ARBITRATION OF
YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT
OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE
OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING.
OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING
WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR
UNAVAILABLE IN ARBITRATION. IF ANY COURT WERE TO FIND THAT THE ARBITRATION CLAUSE
WERE UNENFORCEABLE FOR ANY REASON, THEN YOU AGREE TO PURSUE YOUR CLAIM EXCLUSIVELY
IN A STATE OR FEDERAL COURT IN MARYLAND, AND AGREE THAT A JUDGE RATHER THAN A JURY
IS TO ADJUDICATE YOUR CLAIM.
Agreement will constitute a waiver of any other breach of the same or other provisions.
Any waiver must be in writing. If any provision in these Terms is found by a court
or arbitrator to be invalid or unenforceable, the parties agree that the court or
iQualifier is not responsible for delays or failure to perform due to causes beyond
its reasonable control.
It is your responsibility to protect your system from such items as viruses, worms,
Trojan horses and other destructive items, and to keep any logon ID and passwords
you use to access the Site secret.
or a Customer Agreement, that right is reserved to iQualifier.
and other documents referred to herein and therein, constitute the entire agreement
between you and iQualifier with respect to your use of this Site and the products
and services you obtain from this Site.
NATIONWIDE CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR
CREDIT RECORD UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE.
Under federal law you have a right to receive a free copy of your credit report
from each of the three nationwide consumer bureaus once a year, and we encourage
all consumers to take advantage of this law. However, you should know that the free
credit reports do not include your credit score. You should also know that "credit
scores" offered by others may not be FICO® scores and may not be scores that
are used by lenders in making credit decisions. The FCRA allows you to obtain a
copy of all of the information in your consumer credit file disclosure from any
consumer credit reporting company for a reasonable charge. The FCRA also states
that individuals are entitled to receive a disclosure directly from the consumer
credit reporting company free of charge under the following circumstances:
- You have been denied credit, insurance or employment in the past 60 days as a
result of your report
- You certify in writing that you are unemployed and intend to apply for employment
in the 60-day period beginning on the day you make the certification
- You are a recipient of public welfare assistance
- You have reason to believe that your file at the agency contains inaccurate information
due to fraud
The FCRA also permits consumers to dispute inaccurate information in their credit
report without charge. Accurate information cannot be changed. You do not have to
purchase your credit report or other information from iQualifier to dispute inaccurate
or incomplete information in your Trans Union file or to receive a copy of your
Trans Union consumer disclosure.
The credit report you are requesting from iQualifier is not intended to constitute
the disclosure of Trans Union information required by the FCRA or similar state
laws. Trans Union's National Consumer Assistance Center provides a proprietary consumer
disclosure that is different from the consumer credit report provided by iQualifier.
This disclosure report must be obtained directly from Trans Union by going to www.transunion.com,
or by calling 888-555-1212.
The FCRA allows consumers to get one free comprehensive disclosure of all of the
information in their credit file from each of the three national credit reporting
companies (Experian, Equifax, and TransUnion) once every 12 months through a central
source. Georgia residents can receive two disclosures per year. Although comprehensive,
the credit reports from each of the three national credit reporting companies that
are available from iQualifier may not have the same information as a credit report
obtained directly from the three national credit reporting companies or through
the central source. To request your free annual report under the FCRA, you must
go to www.annualcreditreport.com, or call 877-322-8228. iQualifier's Products are
not related to the free FCRA disclosure that you are or may be entitled to.
iQualifier makes no representations, warranties, or endorsements with respect to
any non-iQualifier web site which may be accessed through a link on this Site. When
you access a non-iQualifier web site, please understand that iQualifier has no control
over the content or information or any products or services offered at that site
or the privacy policies relating to that site.
Payment and Order Validation
We accept all major credit cards. At present, this includes Visa®, MasterCard®,
American Express® and Discover®. We may pre-authorize your credit card
at the time you place an order, which may have an effect on your available credit
line. Upon processing your order, we will charge your credit card in full. We reserve
the right to verify your method of payment and may reject any order you place with
us for any reason. If we reject your order, we will attempt to notify you by e-mail.
Your credit card will normally not be charged, if we reject your order. It the event
that your credit card is charged before we reject your order, we will process a
Questions regarding your orders or disputes regarding charges to your credit card
should be directed to us by e-mail at questions@iQualifier.com or by writing to
us at IQualifier LLC, Attn: Customer Service, 31550 Winterplace Parkway, Salisbury,
MD 21804. You may also call us at (877-224-8040).
Unless otherwise specified, the materials on this Site are intended for use by US
residents only. Recognizing the global nature of the Internet, you agree to comply
with all local laws including, without limitation, laws about the Internet, data,
email, export, or privacy. Specifically, you agree to comply with all applicable
laws regarding the transmission of technical data exported from the United States
and the country in which you reside.