capital one platinum mastercard login

The Capital One Costco Mastercard has no annual fee and an annual interest rate of 19.75%. ¹ Cash back is applied to total net purchases. That means any. The Indigo Mastercard is designed for those with less than perfect credit. Pre-qualify for this credit card without hurting your credit score today! Here's how you can get online account access for your Capital One Platinum Secured Credit Card card: · Click the “Set Up Online Access” link.

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Capital one platinum mastercard login
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Managing your credit card

1 Data rate charges from your service provider may apply.  HSBC Bank USA, N.A. is not responsible for these charges.  HSBC Mobile Banking App is available for iPhone®, iPad®, AndroidTM devices and must be downloaded from the App StoreSM or Google PlayTM. This link may allow you access to a non-HSBC website. HSBC Bank USA, N.A. does not control the contents to other websites and cannot be liable for its content or your use of it. 

2 Have peace of mind knowing that HSBC Capital one pay car loan USA, N.A. won't hold you responsible for unauthorized transactions. As an HSBC Credit or Debit Card holder, Zero Liability applies to your purchases made with your U.S.-issued credit or debit card in the store, over the telephone, online, or via a mobile device. As a cardholder, you will not be held responsible for unauthorized transactions if: 1. You have used reasonable care in protecting your card from loss or theft; and 2. You humphrey funeral home russellville ar promptly reported to HSBC Bank USA, N.A. when you knew that huntington bank holland mi HSBC Credit Card was lost or stolen. To learn more about additional protections with respect to unauthorized transactions, please contact HSBC by calling the number on the back of your card. Zero Liability does not apply to the following (or certain) Mastercard® payment cards: Commercial cards, unregistered prepaid cards or gift cards.

3 Message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. The information provided is based on the most recent activity posted to your account. If you hold more than one HSBC Credit Card account, register each of your Accounts separately.

4 As long as your payment is made by the Payment Due Date, is not returned unpaid by your bank and payment is at least your Minimum Payment Due, under the terms of your HSBC Credit Card Agreement and Disclosure Statement.

5 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

6 If you designate an Authorized User, a credit card will be issued in that person's name. You will be solely responsible for all charges and transactions made by the Authorized User, and the Authorized User will have no liability to HSBC Bank USA, N.A. for those charges and transactions.  For HSBC Elite World Elite Mastercard® credit card accounts, a $65 annual fee applies for each authorized user added to the account, see your Account Terms for details. HSBC Cash Rewards Mastercard credit card Student Accounts are not eligible for authorized users.

7 Only compatible with select cards, carriers and Samsung devices; Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Fitbit and Fitbit Pay are trademarks or registered trademarks of Fitbit, Inc.

Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. Available for supported cards from participating banks; contact your bank for more information. Only available at NFC-enabled terminals. View current supported country, payment network and issuing bank information at Garmin.com/GarminPay.

Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.  

LG Pay is a registered trademark of LG Corp. Compatible with select credit/debit cards from participating banks. Available on select LG smartphones. App is downloadable from the Google Play™ store. Tokenization adds an extra layer of security.

Samsung, Samsung Pay, and Galaxy are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners.

Источник: https://www.us.hsbc.com/credit-card-resource-center/manage-account/

Table of Contents

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Are you trying to use your Capital One credit card only to find out that it is restricted? This can be a frustrating experience especially if you’re trying to make an important purchase or paying a bill that’s already due.

You’re probably reading this because you can’t find any answers on why your Capital One account is currently restricted. Did you do something wrong? Or is it the fault of the bank? Is lifting your restricted Capital One account possible?

If you want to know more about why your credit card account is restricted, read on.  A lot of people end up having their accounts restricted due to a variety of reasons.

This article will explain the possible reasons why your Capital One account is restricted and how to get it unrestricted as soon as possible. We will also discuss some tips that you should follow so that your account does not become restricted again in the future.

1. You’ve gone over the maximum credit limit of your Capital One account

When you open a credit card with any bank, you will be given a maximum credit limit. This means that you can only spend up to the amount allowed by the bank.

Many banks, however, will let you spend a certain amount over the limit and only charge you a fee whenever this happens. However, when you exceed your limit multiple times, this could be a reason for your account to be restricted.

If your Capital One credit card is currently restricted, one reason could be that you’ve spent over the limit. You can check your credit card activity if you have access to online banking or call customer service.

You can scroll down towards the end of the article where we will place links on how to contact Capital One so you can restore your account.

2. You have late payments on your Capital One account

If you have been delinquent with your credit card payments, this is another reason why your account may be restricted. Have you paid your last credit card bill? How long ago did you last pay your credit card?

Maybe you missed paying your bill because it slipped your mind or you forgot that the bill was due. It’s also possible that difficult financial times made you unable to pay the minimum payment.

Whatever that reason is, Capital One could restrict your account because of unpaid bills. If you have missed paying for several months, your credit card may also be charged off.

This means it was closed,  turned over to the collections department, and you may need to pay the entire amount and close it off.

3. You’re using your card in stores or places where you’ve never used it before

Another reason why your Capital One account may be restricted is if you are using the credit card to purchase from a store or platform that you’ve never purchased from before. New shopping activity could cause the system to recognize the transaction as a suspicious or fraudulent activity.

For example, you are in a different country and you’re trying to use your Capital One credit card for purchases. If you have never used your card in that establishment before, Capital One may restrict your account to protect your card.

This could also happen if you are using your card on an online payment platform that you have not used before.

4. Capital One suspects fraudulent activity on your account

What if you’re not using your credit card on a new payment platform or store, yet your credit card is still restricted? What could have been the reason? Another possible reason that Capital One restricted your account because it detected suspicious activity on your account.

Some examples include multiple or consecutive purchases on a single establishment, unusually large purchases, and multiple changes to your Capital One account. Capital One might see these as red flags and may restrict your account to prevent unauthorized purchases.

5. Capital One is experiencing a system error

Maybe you’re a diligent payer when it comes to your credit card bills, you’re 100% sure that you’re not over your maximum credit limit, and you’re not using your card on any suspicious or new platform –so why is your card still restricted. Believe it or not, it might not even be your fault.

System error is another possible reason why your Capital One account is restricted. Capital One could be experiencing problems or issues on their system and that may be a reason why you can’t use your card.

What to do if your Capital One account is restricted?

Now that we’ve ticked off the different possible reasons why your account may have been restricted, the next step is to take action. You might be wondering: Will Capital One reopen a restricted account?

The answer is yes, it is possible for a restricted account to be opened again. When an account is restricted, it means that it is suspended and if you take the necessary actions, then you can have it opened again.

So what do you need to do if you find out that your account is restricted?

The easiest and simplest way is to immediately contact Capital One’s customer service department. You have to confirm with the bank the reason why your account was restricted.

Even if you may have a suspicion on what the reason is, it is best to contact the bank to know the specific actions that you need to take.

Here’s a step-by-step guide to help you navigate through this process.

Step 1: Prepare important account details before contacting Capital One

Before you contact Capital One, prepare your account details that may be required during the call.

Examples of details that you may need to prepare are your account number, your PIN or password (if you’re required to log into your online account), the date of your last purchase, and the amount of your last purchase. Usually, these things are asked by the agent or by the voice prompt to verify your identity.

Step 2: Contact Capital One by phone

Calling the Capital One customer service department is usually the quickest way to resolve an issue. Below are the current contact numbers from their website:

Capital One Credit Card Support

  • Capital One Customer Service
    1-800-CAPITAL (1-800-227-4825) (For servicing of existing accounts only)
  • Outside The US, Call Collect
    1-804-934-2001
  • Online Banking Support
    1-866-750-0873
  • Fraud Protection
    1-800-427-9428 or 1-800-239-7054
  • International Collect Calls To Report A Lost Or Stolen Card
    1-804-934-2001
  • Capital One General Customer Service Phone Support
    1-877-383-4802

Step 3: Explain to the customer service agent your concern

Once you have been connected to a customer service agent, you have to explain your concern. Tell the agent that you have tried using the credit card but it was restricted.

This is the opportunity for you to check with the agent the reason why your account is restricted.

At this point, the agent may ask you questions about your account and account activity to get to the bottom of the issue. The agent may need to take time to check the system and your account activity to find out the answer.

The agent will either give you one of the reasons listed above or another reason entirely that is relevant to your unique situation.

Step 4: Confirm with the agent the actions you need to take to remove the restriction on your account

Once you determine the reason why your account is restricted, confirm with the agent what you need to do to remove the restriction.

For example, if the restriction was due to late payments, ask the agent whether paying the minimum payment will remove the restriction. Or if it was due to a system error, ask the agent whether you need to do anything from your end to fix the issue.

Don’t forget to ask the agent about the time frame on when your account will be fixed.

How to avoid having your Capital One account restricted

Getting a restricted credit card account can add a lot of stress and anxiety to your financial life and perhaps cause you great embarrassment if you were on a date, for example. To avoid having your card restricted again, you can follow these recommendations below.

1. Keep track of your account online

Having access to your account through online banking makes it easier for you to track your account activity. This way, you can easily see if there are unusual activities in your account that may have caused the restriction.

This will also help you see whether you’re already spending over the limit or if you have late payments. Indeed regular proactive checks to ensure there is no fraud on your account is a habit worth cultivating in this day and age of cybercrime.

2. Don’t spend over the limit

Spending over the limit can be unavoidable sometimes, but doing so can cause more problems including having your account restricted. If you have a habit of maxing out your credit card limit, try to constantly monitor your usage to avoid going over.

3. Pay the minimum amount chase quickpay not working or before the due date

If you are always missing your payment due date, one way to prevent this from happening is by downloading a personal finance app like Mint to notify you when your credit card bills are due.

4. Inform the bank td bank mortgage rates nj making an unusually large purchase or traveling to another country

If you are planning to make a purchase that costs higher than what you normally use your card for or you’re planning to use it in another country, it may be a good idea to call your bank beforehand to inform them. This way they can take note that the purchase is an authorized purchase and you can prevent your account from being restricted.

Wrapping It Up

Finding out that your Capital One account is currently restricted should not be a cause for panic. There are various reasons why your credit card account was restricted and it might not even be your fault.

The best way to solve the issue is to follow our guide on how to contact customer service so you can clarify and lift the restriction of your Capital One account.

Источник: https://consumerboomer.com/capital-one-account-restricted/
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19.9% to 34.9% (variable) range of APR depending on individual circumstances.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

  • £200 - £8,000 credit limit
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Credit Card FAQs

Well, to put it simply, credit is an arrangement where you buy goods or services now but you agree to pay later. Credit comes in many different shapes and sizes including mortgages, loans, overdrafts and credit cards. In most cases, you'll have to pay an agreed amount back every month with interest. Whatever credit you choose, it's important to keep up with your monthly repayments.

A credit limit is the maximum amount that you can owe on a credit card. Your spending (including balance transfers and cash withdrawals) and any charges, interest or fees that are added must not exceed this credit limit. If it does, you may be charged an overlimit fee.

QuickCheck is a free and easy-to-use tool to check your eligibility for a credit card before you apply. You answer a few questions and then, within 60 seconds, you’ll get a guaranteed ‘yes’ or ‘no’ before you apply. This is a great way to find out whether you can get credit without impacting your credit rating, as it uses what’s known as a ‘soft search check’ and can’t be seen on your credit report by anyone other than you and the credit reference agency who provide your score. So it won’t be visible to any other lenders or anyone else you’re applying to.

What do I need to apply for a credit card?

In order to apply for a credit card, you need to have a few bits of information to hand. This will include your addresses for the previous two years, details about your employment and income, and any other credit cards you have if you want to transfer your balance.

How long does it take to receive my card?

From the date you are accepted it will take between 7-10 working days before you will have your credit card.
 

Your PIN will arrive first and separately from your credit card.

What happens when I have completed my application?

If you’ve been accepted straight away then we’ll tell you that. The same goes if you’ve been declined. But some applications take longer to consider and, in those cases, we’ll be in touch within 7-10 business days with details.

How do I service my credit card?

You can register to view your card and your Credit Card status online. Once you’ve got your credit card, you can set up your online servicing very simply. Just follow this link.

  • Check your balance
  • Check your credit limit
  • Check what you’ve got to spend
  • Check when you need to make payments by
  • Check answers to commonly-asked questions
  • And if we don’t have the answer, or you need to chat to us about anything else, we’ve got secure, one-to-one messaging


If you’re not near a computer, you could download our app – providing the same services from your smartphone or tablet.

How do I cancel my credit card?

You won’t be able to cancel your card using your online servicing account or our app as we need to run through a few details.

So if you want to close your account, please give us a call and we’ll take you through all the steps.

How does the Credit Card app work?

Our app is available on iOS and Android and you can download it from their respective app stores. You’ll get a 6-digit passcode that you need to enter to log in. Once you’ve done so, you can do the following:

Источник: https://www.postoffice.co.uk/credit-card

The Shop Your Way program is free and without obligation and participation in the Shop Your Way Program is subject to the terms and conditions available for review at www.shopyourway.com/terms. When you link your Shop Your Way number to your Sears Mastercard®, subject to the terms and conditions of the Shop Your Way Program, you will earn 1% in points on purchases made with the Sears Mastercard for purchases that are not classified as either qualifying purchases or non-qualifying purchases under the Shop Your Way Program and that are made outside of Program Stores ("base points"). However, no points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card fees. To discontinue participation in this program at any time, call (800) 991-8708. The Shop Your Way program is offered by Transform SR Holding Management LLC.

Please note: As a Shop Your Way Member, you authorize Citibank to report to Transform SR Holdings LLC and its affiliates purchases made using the Sears Mastercard.

Shop Your Way Additional Category Earn Promotion

This promotion is not transferable; is subject to credit approval and the Shop Your Way terms and conditions located at www.shopyourway.com/terms. Your Shop Your Way account must be linked to your Sears Mastercard as described above in order to participate in this promotion. You have the opportunity to receive Shop Your Way points for eligible purchases which are made and post to your Sears Mastercard account for 12 months from the month you link your Sears Mastercard to your Shop Your Way account. These extra points are inclusive of any base points earned. When extra point offers are combined, total points earned will be less than the combined point totals for each individual offer. Base points mean the 1% back in points described above which you will receive on purchases that are made outside of Sears, Kmart or other Program Stores or are described below as "certain non-eligible purchases". Sears base points mean those points awarded as part the standard Shop Your Way program.

You may only earn 5% back on eligible gas station purchases and 3% back in points on eligible restaurant and grocery store purchases on the first combined purchases of $10,000 during the promotional period and then 1% thereafter.

5% back in points on eligible gas station purchases, for the first $10,000 (which includes the eligible restaurant and grocery store purchases) during the promotional period and then 1% thereafter. (5% back in points equals 4% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% back in base points, not 5%, for gas purchased at superstores, supermarkets, convenience stores and warehouse clubs or for fuel used for non-automobile purposes.

3% back in points on eligible restaurant (including cafés, bars, lounges and fast food restaurants) and eligible grocery store purchases for the first $10,000 (which includes the eligible gas station purchases) during the promotional period and then 1% in base points thereafter. (3% back in points equals 2% in extra points and 1% in base points.) Certain Non-Eligible Purchases. You will only earn 1% in base points, not 3%, for restaurant purchases made at bakeries and certain restaurants/cafés inside department stores, grocery or warehouse clubs. You will only earn 1% in base points, not 3%, for grocery purchases made at superstores, convenience stores, gas stations, warehouse clubs, and discount stores.

2% back in points on purchases at Sears (Full Line Stores Sears Grand, Sears Dealer Stores (Sears Hometown Stores, Sears Home Appliance Showrooms, and Sears Hardware), Kmart, mygofer and for Lands' End merchandise within Sears stores that are "qualifying purchases" under the Shop Your Way program during the promotional period and then 1% in Sears base points thereafter. (2% back in points equals 1% in extra points and 1% in Sears base points.)

1% back in base points on purchases that are made outside of Sears, Kmart or other Program Stores or are described above as "certain non-eligible purchases".

No points are awarded for balance transfers, cash advance transactions, cash advance transactions designated as purchases, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, annual credit card membership fees, money orders, wire transfers, bets, lottery tickets, or casino gaming chips, credit insurance premiums, AccountCare fees, interest charges and credit card home remedies for sunburn in hindi will post to your Shop Your Way account within approximately one week after the eligible purchase is made. Merchants must submit charges under the appropriate merchant code or industry code for you to receive the additional Shop Your Way Points. We do not determine whether merchants appropriately identify all transactions you make on your account but we do reserve the right to determine which purchases qualify for points. By accepting Shop Your Way member benefits and offers, you agree to the Shop Your Way terms and conditions, available at www.shopyourway.com/terms. The Shop Your Way program is offered by Transform SR Holding Management LLC. Citibank is not responsible for products or services offered by other companies.

Источник: http://pay.searscard.com/

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MBNA Credit Cards

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

Источник: https://www.mbna.ca/en/quebec

Effective: November 14, 2019 (Please note that our Terms of Use Agreement is also referred to as the "Terms and Conditions")

OVERVIEW AND ACCEPTANCE OF TERMS

You agree that by creating an account with Continental Identity Protection (“CIP”) or accessing or using our Services (as defined below), website(s) (such as this website, www.yourcreditcardinfo.com and www.continentalidentityprotection.com, www.portal.continental.com or any affiliated website or mobile application(s), as well as any content provided or accessible in connection with the website(s) or mobile application(s), including information, user interfaces, source code, reports, images, products, services, and data (each website and mobile application referred to herein as a "Website," and collectively, as "Websites"), you represent to CIP that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein ("Agreement") whether you are a "Visitor" (which means that you simply browse or access a Website), or a "Customer" (which means that you have created an account with CIP, or enrolled or registered with a Website, or are accessing or using a Service).

At Customer's election, Customer may, from time to time, request to receive, and CIP may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee (each a "Service" and collectively as “Services”), and Customer's receipt and use of such Services shall, at all times, be subject to this Agreement. The term "Service" includes, but is not limited to, the provision of any of our products and services, including credit report(s), credit risk score(s), credit monitoring, credit score monitoring and credit score tracking (including all the data and information contained therein), the receipt of any alerts notifying you of changes to the information contained in your credit report(s), regardless of the manner in which you receive the Services, whether by email or mail, through a website or mobile application, by telephone, or through any other mechanism by which a Service is delivered or provided to you. The term "you" or "User" refers to a Visitor or a Customer. For purposes of this Agreement, the terms "we," "us" refer to CIP, its predecessors in interest, successors and assigns, and any of its third party service providers (including, without limitation, cloud service providers) that CIP uses in connection with the provision of the Services to you. If you are a Visitor and do not wish to be bound by this Agreement, you should immediately cease accessing and using the Websites. Notwithstanding the immediately preceding sentence, if you are a Visitor and continue to access and use a Website, by virtue of your continued access and/or use of the Website, you are indicating your acceptance of this Agreement and agreement to be bound by the terms and conditions contained herein. If you wish to become a Customer and make use of the Services, you will be prompted during the registration process to agree, and must agree, to be bound by this Agreement.

For the avoidance of doubt, this Agreement expressly applies to: (a) your access to and use of the Websites; (b) any and all transactions between you and CIP through the Websites, including for the provision of any Services or of any credit, personal, financial or other information delivered as part of or in conjunction with free Services or paid Services, including any such information that may be archived to the extent made available on the Websites, such as (i) for your purchase of non-membership based Services such as Vantage Score(s), (ii) enrollment and use of free Services, and/or enrollment, purchase and use of membership based Services and bethany beach homes for sale by owner your access to and use of calculators, credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto contained in the Websites.

You may not browse the Websites, or create an account or register with CIP, or use or enroll in any Services, and you may not accept this Agreement, if you are not of a legal age to form a binding contract with CIP. If you accept this Agreement, you represent that you have the capacity to be bound by it. Before you continue, you should print or save a local copy of this Agreement for your records.

PERMISSIBLE PURPOSE AND CONSENTS

THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE Capital one platinum mastercard login AND REGULATIONS. PLEASE READ THIS AGREEMENT CAREFULLY. YOUR ACCEPTANCE OF, ORDER OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE WEBSITES. IF YOU HAVE ALREADY BEGUN ACCESSING OR USING THE SERVICES AND/OR WEBSITES AND DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, IMMEDIATELY CEASE USING THE SERVICE OR WEBSITE AND/OR DISCARD ANY INFORMATION OR PRODUCTS YOU RECEIVED VIA ANY SERVICE OR WEBSITE (TO THE EXTENT APPLICABLE), AND CALL CUSTOMER CARE AT 855-281-7681 TO CANCEL YOUR ACCOUNT WITH CIP. NOTE, YOU MAY ALSO BE ABLE TO DEACTIVATE YOUR PAID SERVICE AND RETAIN YOUR ACCOUNT WITH CIP ONLINE, AS AND TO THE EXTENT EXPLAINED IN FURTHER DETAIL BELOW.

You understand and agree that, by establishing an account with CIP, or submitting your order or enrolling for any Service (including an order for a Service that includes enrollment of your minor child in such Service), you have provided "written instructions" in accordance with the Fair Credit Marquette bank orland park Act, as amended ("FCRA"), for CIP, and its service provider, CSIdentity Corporation, an Experian company ("CSID"), to obtain your credit report and/or credit score(s) (or the credit report or credit score(s) of any minor children whom you have enrolled in a Service) on a recurring basis to provide them to you while you have an account with CIP, and such information may be obtained by Experian Information Solutions, Inc. ("Experian Credit Bureau") or any other credit or counseling reporting company. You understand and agree that, pursuant to such authorization, CIP, and its service provider, CSID, may access your credit profile (and those of any minor children whom you have enrolled in a Service), including without limitation, your credit report, credit score(s) and other related information, to, among other things, verify your identity (or those of any minor children whom you have enrolled) and to provide credit monitoring, credit scoring, credit score monitoring and tracking, identity monitoring, alerts for, among other things, dormant accounts, new accounts, inquiries, other changes to information contained in your credit report, fraud resolution, or card registry products. You understand and agree that CIP, and its service provider, CSID, may, from time to time, provide products, services, features and/or functionality to you, and that they shall be offered pursuant to the same authorization that you provided to CIP for CIP to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you to review while you have an account with CIP. southeast financial credit union epal

You further understand and agree that, by establishing an account with CIP, or submitting your order or enrolling for any Service, you have provided "written instructions" in accordance with the FCRA for CIP to obtain and use the information you have provided, and your credit report and/or credit score(s) to notify you of credit opportunities and other products and services that may be available to you through CIP or through unaffiliated third parties (as explained in the section below entitled "General Description of Services"). In addition, you further understand and agree that, if you request certain loan offers as part of any Service, such as prequalified personal loan offers, you are authorizing CIP to send your information to lending partners on your behalf, and have provided "written instructions" in accordance with the FCRA to such lending partners to obtain information from your personal credit profile or other information from one or more consumer reporting agencies, such as TransUnion, Experian or Equifax, solely to prequalify you for credit options, offers or other credit opportunities, including prequalified personal loan offers, and to share such credit opportunities with CIP.

You understand and agree that CIP receives compensation for the marketing of credit opportunities or other products or services available through third parties, and that this compensation may impact how and where such credit opportunities, products or services appear on a Website (including, for example, the order in which they appear). You further understand and agree that many but not all credit opportunities available through third parties, such as prequalified credit and personal loan offers, may be made available to you in a Service, and such Service will not include all credit opportunities available through third parties. Please note that prequalification for a credit opportunity available through a third party does not guarantee approval, and you will need to submit an application with such third party if you choose to apply for a prequalified offer (and such application may result in a credit inquiry that can impact your credit score(s)).

You further understand and agree that, by using the Experian Boost Service or other Services using Linked Accounts (as defined below, including Financial Management Tools), you (i) authorize CIP and its service provider(s), including Finicity, to gain recurring access to your financial account(s) to obtain, use and store financial transactions ("Consumer Consent Transaction Data") to add and maintain transactions (e.g. addition of certain utility and mobile telecom bill payment history) to your Experian credit file, and if you elect to use Financial Management Tools for CIP to monitor and provide alerts and insights for your financial transactions for your own review (if Financial Management Tools are made available to you); and (ii) designate CIP, and its service provider(s), including Finicity, as your agent(s), and have provided "written instructions" in accordance with the FCRA, to add and maintain information to your Experian credit file using Consumer Consent Transaction Data, and such information may be provided on your behalf by CIP to the Experian Credit Bureau, and may be used and stored by the Experian Credit Bureau for any purposes lawfully permitted by the FCRA (e.g. use in lending decisions of certain utility and mobile telecom bill payment history added to your Experian credit file using Experian Boost), and/or to the same extent as any other information furnished to the Experian Credit Bureau for inclusion in your Experian credit file.

AMENDMENTS

This Agreement may be updated from time to time. You should check this Website regularly for updates to this Agreement. Each time you order, access or use any of the Services or Websites, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement. Modifications take effect as soon as they are posted to this Website (or any of the Websites, to the extent applicable to you), delivered to you, or reasonably made available to you in writing by CIP. However, no unilateral amendment will retroactively modify the parties' agreed-to dispute resolution provisions of this Agreement for then-pending disputes, unless the parties expressly agree otherwise in writing.

MODIFICATION OF SERVICES OR WEBSITES

CIP may, at its discretion, modify or discontinue any of the Services or Websites, or any portion thereof, with or without notice. You agree that CIP will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Service or Websites.

GENERAL DESCRIPTION OF SERVICES

The Services and Websites are meant to provide you a means to review your personal finance and/or credit information for educational purposes only, and to manage if and to the extent you so choose, and may notify you of credit opportunities and other products and services that may be available to you through CIP or through third parties (such as, among other things, advertisements or offers for available credit cards, loan options, financial products or services, or credit related products or services and other offers to Customers, the ability to track and collect certain consumer information specific to you, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates). The Services and Websites are meant for your personal use only. The Services and Websites may also provide you other third-party product information, such as the availability of loans and other financial products or services, or credit related products or services (including credit repair or other credit education services). This includes receiving offers free of charge for various credit or other financial products or services based upon your self-identified credit attributes (and/or your consumer report or credit score). These offers may also be generic and may not contain offers based on information specific to you.

We will identify those Services that are provided to you free of charge. Some of the Services may require a fee at the time of Service purchase or enrollment, such as membership Services that require the payment of an ongoing fee for CIP's provision of such Services. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize us to, from time to time,: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a first national bank alaska foreclosures on a recurring basis (e.g., monthly or annual basis) for membership renewals, (iii) if necessary, obtain updates from card issuers for cards provided to us, and (iv) if necessary (and applicable) bill your mobile carrier or others via a mobile application if you authorize us to do so. You may cancel your subscription or enrollment for an ongoing paid Service at any time by calling Customer Care or by using any other method specified on the Websites or in the customer membership center.

For the sake of clarity, if at any time while you have an account with CIP, you decide to cancel your membership in a paid Service, you will be automatically enrolled in a free Service, as the cancellation of the paid Service will not cancel your account with CIP unless you so indicate. To de-activate your account in its entirety and no longer receive the free Service, you must de-activate your account by contacting Customer Care, or logging into your online account to deactivate your account, if available, and expressly de-activating your account to no longer receive such free Service. In all events, your account with CIP, (including your access to, and use of, any free or paid Services, and Websites, and regardless of whether you upgrade or downgrade any Services while maintaining your account), shall be governed by this Agreement and the terms and conditions contained herein.

optum behavioral health level of care guidelines You acknowledge and agree that CIP (including its Services and/or Websites) has not and does not provide you (or any minor child enrolled in a Service) legal, tax, financial, or other advice (including, without limitation, advice on how to improve or repair your credit or credit scores), and that its Services and/or Websites are not designed or intended to provide any such advice. As discussed above, and for your convenience, we may provide links to various other third party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which CIP may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. There may be other offers generally available to you (including those available in the marketplace) that are not available to you on our Websites. CIP does not make any guarantee or imply approval for any particular offer or opportunity made on our Websites. Further, CIP does not represent, warrant or guarantee any level of potential savings or other benefit should you choose to apply for a particular offer. Any capital one platinum mastercard login or representation of possible savings are for illustrative purposes only and may vary based on your individual financial circumstances and the capital one platinum mastercard login made available to you by the applicable issuer or lender. CIP disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible savings made by CIP or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender's website. Once you click apply for any offers, you will be directed to the issuer or lender's website where you may review the terms and conditions of the applicable opportunity or offer before applying.

While CIP uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. CIP does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can CIP guarantee your eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. CIP reserves the right to terminate any link or linking program at any time. CIP disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites.

ACCOUNT WITH CIP; USE OF THE SERVICES

In consideration of your account with CIP, and/or your order of, access to, and/or use of any Service or Website, you agree to provide true, accurate, complete and current information about yourself and any minor children you are enrolling, or have enrolled, in any Service, when prompted to do so by the registration and application forms or requested to do so by CIP. If any information you provide is untrue, inaccurate or not current, or if CIP has reasonable grounds to suspect that such information is untrue, inaccurate or not current, CIP, at its sole discretion, has the right to suspend or terminate your account, or order of, use of, and/or access to, any Service or Website, and refuse all current or future orders of, use of, and/or access to, any Service or Website, or suspend or terminate any portion thereof. You acknowledge and agree that CIP may, in its sole discretion, retain any information you provide to it or generated by CIP (or its affiliates/suppliers) while you have an account with CIP, including any information about you (or any minor child you are enrolling, when enrolling in any Service) and any credit card or payment or other information obtained in connection with your account and/or the provision of any Service. If CIP does retain any such information, you acknowledge it is not obligated to retain that information for any specified period of time.

DISPUTE RESOLUTION BY BINDING ARBITRATION

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.

SUMMARY:

MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER'S SATISFACTION BY CALLING CIP'S CUSTOMER CARE DEPARTMENT AT 1-855-281-7681. IN THE UNLIKELY EVENT THAT CIP'S CUSTOMER CARE DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE REGARDING A SERVICE OR WEBSITE TO YOUR SATISFACTION (OR IF CIP HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN Fm bank galt OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. FURTHER, IN ARBITRATION, BOTH YOU AND CIP WILL BE ENTITLED TO RECOVER ATTORNEYS' FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT.

Arbitration Agreement:

(a) CIP and you agree to arbitrate all disputes and claims between us arising out of this Agreement that are directly related to the Services or Websites to the maximum extent permitted by law, except any disputes or claims which, under governing law, are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims between us directly relating to the provision of any Service and/or your use of any Website subject to arbitration to the fullest extent permitted by law. The agreement to arbitrate includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us arising out of any Service or Website, whether based in contract, tort, statute (including, without limitation, the Credit Repair Organizations Act) fraud, misrepresentation or any other legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising); claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this Agreement.

For purposes of this arbitration provision, references to "CIP," "we," and "us" shall include our respective parent entities, subsidiaries, affiliates (including, without limitation, our service provider, CSID), agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of Services and/or Websites or information under this or prior Agreements between us relating to Services and/or Websites. Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and CIP are each waiving the right to a trial by jury or to participate in a class action to the maximum extent permitted by law. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive termination of this Agreement.

(b) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to CIP should be addressed to: General Counsel, Continental Identity Protection LLC, 4550 New Linden Hill Road, Suite 400, Wilmington, DE 19808 ("Notice Address"). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from CIP ("Demand"). If CIP and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or CIP may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by CIP or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or CIP is entitled.

You may obtain more information about arbitration from www.adr.org.

(c) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. If the AAA is unavailable or refuses to arbitrate the parties' dispute for any how to use a greendot card without registering, the arbitration shall be administered and conducted by a widely-recognized arbitration organization that is mutually agreeable to the parties, but neither party shall unreasonably withhold their consent. If the parties cannot agree to a mutually agreeable arbitration organization, one shall be appointed pursuant to Section 5 of the Federal Arbitration Act. In all events, the AAA Rules shall govern the parties' dispute. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The AAA Rules may change from time to time, and you should review them periodically.

can i have personal and business paypal account All issues are for the arbitrator to decide, including the coldwell banker old lyme ct listings and enforceability of this arbitration provision as well as the Agreement's other terms and conditions, and the arbitrator shall have exclusive authority to resolve any such dispute relating to the scope and enforceability of this arbitration provision or any other term of this Agreement including, but not limited to any claim that all or any part of this arbitration provision or Agreement is void or voidable. However if putative class or representative claims are initially brought by either party in a court of law, and a motion to compel arbitration is brought by any party, then the court shall have the power to decide whether this agreement permits class or representative south mountain state park nc trail map. The arbitrator shall be bound by the terms of this Agreement and shall follow the applicable law. In this regard, the arbitrator shall not have the power to commit errors of law or legal reasoning, and any award rendered by the arbitrator that employs an error of law or legal reasoning may be vacated or corrected by a court of competent jurisdiction for any such error. Unless CIP and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If your claim is for $10,000 or less, we agree that you may choose whether the final arbitration hearing will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. The payment of all arbitration fees will be governed by the AAA Rules.

(d) The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the AAA Rules. capital one platinum mastercard login

(e) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

(f) YOU AND CIP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR Capital one platinum mastercard login ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and CIP agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or other representative action. Claims of two (2) or more persons may not be combined in the same arbitration. If this specific subparagraph (f) is found to be unenforceable in its entirety, then the entirety of this arbitration provision shall be null and void. However, if only a portion of this subparagraph (f) is found to be unenforceable, then the unenforceable portion of the provision shall be stricken, and the remainder of subparagraph (f) enforced. Any claims not subject to individual arbitration under applicable law shall be stayed in a court of competent jurisdiction pending completion of the individual arbitration.

(g) The arbitration provision remains in full force and effect unless you opt out of the provision in accordance with subpart (h) or you and we otherwise agree in writing to set the provision aside. The arbitration provision survives, for example but without limitation, the cancellation or termination of the Agreement or the Services, the satisfaction of any obligations under the Agreement or the Services, the transfer, sale, or assignment of the Agreement or the Services or any rights under either, and the bankruptcy of any party.

(h) You may opt out of this arbitration provision by sending written notice to us of your decision to opt out. Notice must be sent by United States Postal Certified Mail, Return Receipt Requested, to the Notice Address in subpart (b) above. The notice must be postmarked no later than 30 days after the date of your Agreement. You must retain proof of receipt. Your opt out notice must state that you reject the arbitration provision and include your name, address, Account number and personal signature. No one else may sign the opt out notice.

FCRA DISCLOSURES

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 CIP to dispute inaccurate or incomplete information in your Experian Credit Bureau file or to receive a copy of your Experian Credit Bureau consumer disclosure.

The credit report you are requesting from CIP is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. Experian Credit Bureau's National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by CIP. This disclosure report must be obtained directly from Experian Credit Bureau by going to www.experian.com/dispute, or by calling 888- EXPERIAN.

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 Credit Bureau, 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 CIP may not have the same information as a mcdonalds salem mo 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. CIP's Services are not related to the free FCRA disclosure that you are or may be entitled to.

TERRITORIAL RESTRICTIONS

Unless otherwise specified, the Services made available through the Websites are intended for use by U.S. consumers only. We make no representations or warranties that the information, products or services provided through the Services or the Websites are appropriate for access or use in other jurisdictions.

Recognizing the global nature of the Internet, however, 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 food assistance in kalamazoo mi applicable laws regarding the transmission of technical data exported from the U.S. and the country in which you reside. Notwithstanding the above, we reserve the right to limit the availability of the Services or the provision of any Services to any person, geographic area, or jurisdiction, at any time and in our sole discretion.

COMPLIANCE WITH LAW AND NOTICE OF PROSECUTION

Your access and use of the Services and Websites must comply with all applicable laws, rules and regulations. Unauthorized access and use of the Services and/or Websites is expressly prohibited. For online customers, access to and use of password protected and/or secure areas of the Websites are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Websites may be subject to prosecution.

Further, failure to comply with all applicable laws, including but not limited to the FCRA, can result in state or federal enforcement actions, as well as activate amazon rewards credit card lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.

AUTHENTICATION

CIP will use commercially reasonable efforts to provide Services to you in a timely manner, including instant online delivery of your credit report for online customers when available. For certain online Services, however, when the system is unable to authenticate you, you may be routed through an alternate authentication process, such as authentication through Customer Care or a manual authentication process. In the event CIP utilizes a manual authentication process, CIP will send a private access code via U.S. mail to the address in your credit file, which you can use to access your account online. This process is normally completed within five (5) to seven (7) days. In the event that you are routed through an authentication process, it is your responsibility to successfully complete authentication so that you can gain access to your account on the Website. Your account, including any membership or enrollment in a Service, will continue, including, if applicable, continuing to monitor your credit report(s) or score(s), all of which will be available to you once you complete authentication. Consequently, for any ongoing paid Services, you will continue to be billed for your membership and the associated services available to you until you cancel in accordance with this Agreement. Please note that, for most Services, CIP cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times. In the event you fail online authentication one or more times, you may be directed to Customer Care to complete the authentication process over the telephone.

PERSONAL INFORMATION

CIP, and its service provider, CSID, may use your personal information to the extent necessary to authenticate your identity, process your order or request for, and provide, the Services to you, as well as for quality assurance, account and business maintenance, and such other business uses in accordance with applicable law.

RECEIPT, REVIEW AND ACCEPTANCE OF PRIVACY POLICY

By establishing an account with CIP, or submitting your order for or enrolling in any Service, you acknowledge receipt of the privacy policy applicable to the provision of Services (the “Privacy Policy”), and acknowledge that you have reviewed this policy, and agree to be bound by its terms. The policy can be accessed here: Privacy Policy, Your agreement to be bound by this Agreement includes your agreement to be bound by the Privacy Policy, subject to the express terms contained in the policy. If you do not agree to the terms of the Privacy Policy, you should cease accessing and using the Services and Websites (including by cancelling your account with CIP). Notwithstanding the immediately preceding sentence, you agree to be bound by the Privacy Policy upon submitting information to CIP to submit your order or enroll in any Service, even if you do not ultimately consummate your order or enrollment for a Service. capital one platinum mastercard login

ONLINE AND/OR MOBILE APPLICATION REQUIREMENTS

You must have an email address and provide the same to CIP, and have a Java-compatible browser to receive and/or access your Services online via a mobile application, if applicable. As an online (or mobile application) customer, you are agreeing to receive all notifications via email at the email address on file with Www dhl usa com login. You are obligated to update the email address on file when your email address changes. In the event that CIP is unable to deliver email messages to you, you agree to accept Service notifications in an alternative method, such as direct mail or SMS messages. If such notification feature is made available, we strongly encourage you to select SMS messaging as an alternative method of receiving notifications and alerts. You may select this method, if and when applicable, by accessing your Customer homepage online and changing your Alert Settings. Please note, mobile messaging rates may apply. All service alerts are also accessible online in your Alerts Center of your account.

The Services may offer features and services that are available to you via a Website, such as a mobile applications or mobile website. Community resource credit union bank messaging, data and other walmart black friday nintendo switch games may be charged by your carrier. By using the mobile features, you agree to be bound by the terms of this Agreement and further agree that we may bill your carrier (if applicable) for any Services you authorize. You may also purchase services via mobile applications first african slaves arrived in virginia third parties. Any third party mobile application purchases shall be governed by the purchase terms and conditions of the third party from which you are purchasing services. You also agree that we may send communications to your mobile device and collect information from your device, as described in our Privacy Policy and/or Ad Targeting Policy. You also agree that if you opt-in to receive SMS marketing offers, including from or on behalf of CIP, you agree to receive recurring autodialed text messages at the mobile phone number you provide. When SMS messaging is available, you can change your communication preferences at any time through the Mobile Center.

In the event that you fail to or otherwise do not update your email address or mobile phone number on file with CIP, and thus CIP is unable to deliver email or SMS messages to you, you nonetheless understand and agree that any paid Service will be fulfilled at the price agreed upon at the time that you placed your order or enrolled in the Service.

NO WARRANTY BY CIP

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND WEBSITES IS AT YOUR SOLE RISK. ALL SERVICES AND WEBSITES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, CIP (AND ITS AFFILIATES AND SUPPLIERS) EXPRESSLY DISCLAIM ALL WARRANTIES OR GUARANTEES OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE SERVICES AND WEBSITES OR OTHER MATERIALS YOU MAY RECEIVE FROM CIP DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. CIP (AND ITS AFFILIATES AND SUPPLIERS) MAKE NO WARRANTY THAT (I) THE SERVICES ARE ACCURATE, TIMELY, SECURE, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE.

PROMOTIONAL (OR ACTIVATION) CODES

If you are using a promotional (or activation) code to obtain a Service, you are restricted to a one-time use of such promotional (or activation) code. Any subsequent, unauthorized use of the promotional (or activation) code will result in immediate termination of any associated Services without notice and in accordance with the termination provision(s) in the section entitled "Use of the Services," found herein.

Please note that if you improperly obtain a Service with a promotional (or activation) code (including via a promotional (or activation) code you obtained that was not intended for your use in the first instance), any credit card number walmart locations in wisconsin may have provided to us will also be charged with the fee for the Service that was obtained improperly.

Promotional codes cannot be applied to previously placed orders, and are not transferrable or redeemable for cash or credit, and may not be copied, reproduced, published or distributed in any form without the prior written approval of CIP. If you used a promotional code to obtain a Service for a discounted recurring (e.g. monthly) fee for a limited period of time ("Discount Term"), you will be billed the standard rate for your Service (as provided to you during the enrollment process) on a recurring basis at the expiration of the Discount Term, unless you cancel your Service prior to the end of the Discount Term pursuant to this Agreement.

LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT CIP WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCOUNT(S) WITH CIP, OR 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 WEBSITE OR LINKED WEBSITE, WHETHER FORESEEABLE OR NOT AND HOWEVER CAUSED, EVEN IF CIP HAS BEEN ADVISED OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. WITHOUT LIMITING THE GENERALITY OF THE FOREGIONG, YOU AGREE IN ANY EVENT THAT CIP'S TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN) FROM CIP'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO CIP FOR THE SERVICE YOU PURCHASE FROM CIP DURING THE TWELVE (12) MONTHS PRIOR TO THE DATE OF THE EVENT GIVING RISE TO THE LIABILITY.

CONSENT FOR ELECTION SIGNATURES, RECORDS AND DISCLOSURE ("E-CONSENT")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. In order to provide you with credit opportunities available through third 001 usa phone code lending platforms, including prequalified credit and personal loan offers, such third party lending platforms may need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on a link assenting to this Terms of Use Agreement, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lending platforms directly. The lending platforms will provide paper copies at no charge. The lending platforms will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lending platforms and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lending platforms may process your information and interact during all online interactions with you electronically. The lending platforms may also send you notices 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 Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lending platforms.

Withdrawing Consent. Your E-Consent with respect to Disclosures about credit opportunities, including prequalified credit and personal loan offers submitted through CIP for our third party lending platforms' consideration of your offer request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lending platforms, you are free to withdraw your E-Consent with those third party lending platforms at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lending platforms. Contact the third party lending platforms directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lending platforms informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lending platform's website or by sending the lending platform a written update by mail.

CONSENT. BY AGREEING TO THIS TERMS OF USE AGREMENT AND/OR USING ANY SERVICE OFFERING CREDIT OPPORTUNITIES, INCLUDING PREQUALIFIED CREDIT AND PERSONAL LOAN OFFERS, YOU ASSENT TO THE E-CONSENT TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDING PLATFORMS ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE Capital one platinum mastercard login FROM THIRD PARTY LENDING PLATFORMS OVER THE INTERNET.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

CIP offers access to your credit report, Vantage Score, and other credit information. CIP is not a credit repair organization, and is not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Service and Websites (or any content in the Websites) in order to do so.

Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are Customers of the credit score monitoring product.

Vantage Score

Vantage Score is a consumer credit-scoring model, created through the three major credit bureaus (Equifax, Experian, and TransUnion). The model is managed and maintained by an independent company, VantageScore Solutions, LLC, and is jointly owned by the three bureaus. CIP will utilize Vantage Score 3.0. This version has a scale of 300 to 850.

Higher scores represent a greater likelihood that you'll pay back your debts, so you are viewed as being a lower credit risk to lenders. A lower Vantage Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies - Experian Credit Bureau, TransUnion® and Equifax® - that maintain a record of your credit history known as your credit report. Your Vantage Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. As a result, your Vantage Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your Vantage Score may also change.

Under certain circumstances, we will be unable to provide a credit score to you based on your particular credit behaviors, or a score may be unavailable at a particular time. Although your score may be unavailable at a given time, it may later become available, depending on a change in your credit behaviors or to the information a credit reporting agency has on file for you. Scores may be offered to you free of charge, or in some circumstances, may require a fee. Even if you pay a fee to obtain a score, a score may not always be available to you (even if a credit report is available to you). If a credit score is unavailable, you may want to learn more about the reasons a score is not available for you, and what actions you might be able to take so later a score may be generated for you. In the event a score is not available for you and you have questions, please call Customer Care.

CREATING AN ACCOUNT WITH CIP; REGISTERING FOR ANY SERVICE

To create an account or enroll or purchase any Service, you must have an address within the United States, provide a valid Social Security number, address, email address and date of birth and agree to be bound by these terms and conditions. In other limited circumstances, you may need to provide a valid telephone number so that CIP can process your order. You must provide valid billing information such as your routing number and checking or savings account number (ACH), credit card or debit card information to enroll in or purchase a paid Service, as explained in greater detail above. CIP will then evaluate your complete registration information.

In certain jurisdictions sales tax at state and chase manhattan bank job opportunities rates may apply, in which case you may be charged the applicable taxes in addition to the monthly fee and/or the price of the product.

For certain Services and/or channels where Services are sold, we reserve the right to accept or decline some forms of payment, including, but not limited to "pre-paid" or "re-loadable" credit/debit cards.

SPOUSE/ADULT CHILDREN NOT INCLUDED (EXCEPT FOR FAMILY PLANS)

Except for family plan memberships (as provided in the " Terms and Conditions" below), CIP is not able to accept and process joint registration for two or more adults. Neither your spouse nor any other adult will be enrolled in any Service pursuant to your order.

TERMS AND CONDITIONS RELATED TO SERVICES

Credit Monitoring in Paid Services (Applicable to Multi-Bureau Monitoring)

Your paid membership in credit monitoring is effective for the period covered by your membership fee and continues upon your payment of the monthly/annual renewal fee. Renewal fees for your membership will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you, on the first day of each successive membership term, until you cancel your membership. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you have paid, you may cancel your membership and terminate further billing by calling 1-855-281-7681, or online, if that option is applicable and available to you. If you are an annual subscriber and choose to cancel within 180 days of when you were billed, you will be eligible to receive a prorated refund of your current year's membership fee. If you are a monthly subscriber and choose to cancel anytime during your monthly billing term, your membership and monthly billing will terminate at the end of your monthly billing term and you will not be eligible for a prorated refund of any portion of your paid monthly membership fee. CIP reserves the right to change the membership fee for any renewal term to be effective upon best printer for home use with cheap ink uk renewal of your membership.

Please note, there are different processing times across the credit reporting companies, therefore you may not be enrolled in all of them at the same time. We will use commercially reasonable efforts to begin monitoring with the Experian Credit Bureau within 2 business days of successful enrollment (except as otherwise stated herein), while you are in your risk free trial period. We will also use commercially reasonable efforts to begin monitoring with Equifax and TransUnion within 4 business days of successful enrollment, though in some cases it may take longer so will not be initiated during the trial period (if a trial period applies). You acknowledge and agree that CIP does not control, and therefore is not responsible, for the enrollment process with the Experian Credit Bureau, Equifax or TransUnion. Similarly, we cannot guarantee that you will be successfully enrolled in monitoring with Experian Credit Bureau, Equifax or TransUnion.

If you order a Service that includes a single bureau credit monitoring product from CIP, CIP requests only the Experian Credit Bureau enroll you in its credit monitoring program. If you order a Service that includes a credit monitoring product from CIP that monitors credit files at three credit bureaus, CIP requests that the Experian Credit Bureau, Equifax and TransUnion enroll you in their respective credit monitoring programs. Your order of any single bureau credit monitoring product is conditioned upon successful enrollment by the Experian Credit Bureau in its credit monitoring program; if the Experian Credit Bureau is not able to enroll you, your order will be cancelled and you will not receive alerts or monitoring of changes to your Experian credit file.

Your order of any tri-bureau credit monitoring product (monitoring credit files at three credit bureaus) is conditioned upon successful enrollment by at least one credit bureau in its credit monitoring program. 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 credit bureaus, is 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 credit monitoring program.

fifth third bank in south chicago heights 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, CIP 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. CIP 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.

Credit Monitoring Membership With Risk Free Trial (Applicable to Single-Bureau Monitoring) You will be asked for valid credit card information when you sign up for the risk free credit monitoring trial. You will have full access to all features and benefits of your program during the 30 day risk free trial. CIP will verify your credit card information before processing your order. An authorization in the amount of one dollar may be issued on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card may be charged a non-refundable $1 fee. for your Credit Report. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. You may cancel your membership by contacting customer service via telephone or online, if applicable. If you cancel the membership within the first 30 days, a full refund of the monthly/annual fee will be provided. If you purchase credit reports and/or scores during your trial period, they may be billed to the credit or debit card provided to us during enrollment. In the event that you purchase products from CIP using a different credit or debit card, or if you update your payment information with CIP, CIP will charge the latest card provided by you. Please note, if you have ever been a Customer and received a risk free trial, CIP may refuse to give you another risk free trial offer. Returning Customers will be billed the membership fee immediately upon renewal. During your trial period, you are eligible for one report and/or score as dictated by your specific membership terms. first tennessee business banking online

Credit Monitoring Membership With Risk Free Trial (Applicable to Multi-Bureau Credit Monitoring): You will be asked for valid credit card information when you sign up for the risk free credit monitoring trial. You will have full access to all features and benefits of your program during the 30 day risk free trial. CIP will verify your credit bmo express loan pay information before processing your order. An authorization in the amount of one dollar may be issued on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card may be charged a non-refundable $1 fee for your Credit Report. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. You may cancel your membership by contacting customer service via telephone or online, if applicable. If you cancel the membership within the first 30 days, a full refund of the monthly/annual fee will be provided. If you purchase credit reports and/or scores during your trial period, they may be billed to the credit or debit card provided to us during enrollment. In the event that you purchase products from CIP using a different credit or debit card, or if you update your payment information with CIP, CIP will charge the latest card provided by you. Please note, if you have ever been a Customer and received a risk free trial, CIP may refuse to give you another risk free trial offer. Returning Customers will be billed the membership fee immediately upon renewal. During your trial period, you are eligible for one report and/or score as dictated by your specific membership terms.

Credit Monitoring Membership Where No Trial Period Applies: The monthly/annual fee for a credit monitoring membership will synchrony bank contact phone number billed immediately to the credit card or other billing source authorized by you. If an introductory rate applies, the monthly/annual fee for a credit monitoring membership will be billed immediately at the applicable introductory rate, and for each successive membership term, you will be billed at the applicable published standard rate as described on the Website and/or in the Service literature provided when you enroll. heritage federal evansville online banking

Credit Monitoring Membership for a Pre-Defined How to pay my jcpenney credit card bill If you have agreed to a promotional offer for credit monitoring for a pre-defined term, your credit card or other authorized billing source will be billed the promotional membership fee immediately. Your credit monitoring membership will continue for the pre-defined term and membership benefits will expire at the end of this term. If you choose to cancel your monitoring membership during the pre-defined term, you will not be entitled to a refund, prorated or otherwise of the promotional membership fee.

Credit Monitoring in Unpaid Services (Applicable only if free Single-Bureau Monitoring is available in your Service) When you establish an account with CIP, we may request you to verify your identity prior to releasing certain information from your credit files. If you fail authentication, you understand and agree that we may suspend credit monitoring services, however, your account will remain active unless you expressly inform us otherwise.

IDENTITY ALERTS AND INTERNET SURVEILLANCE SCANS – TERMS AND CONDITIONS

Disclaimer. Because the Internet is vast, CIP, and its service provider, CSID, cannot guarantee that Identity Alerts (if available in your Service), including any internet surveillance scans and reports, will detect all possible instances of identity theft and/or potentially fraudulent, or otherwise improper, use of your information. Certain information contained in Identity Alerts may be obtained from criminal activities monitored on the Internet. Because of the dynamic nature of this data, the exchange platforms, and the fact that it may have been obtained from criminals, among other considerations, CIP and CSID cannot guarantee the accuracy or completeness of the Identity Alerts provided. Please understand that the third party databases monitored to enable Identity Alerts are subject to change.

Accuracy of Your Personal Information. As a condition for using and receiving Identity Alerts, you acknowledge and agree that you will keep any personal information required to enable the applicable Identity Alert accurate and current, including without limitation, your name, address, date of birth, e-mail address, telephone number, social security number, driver's license number, and financial account numbers (e.g. credit or debit card numbers, if applicable).

One-Time Dark Web Internet Surveillance Scan and Report (Applicable only if made available in your Service). Your Service may offer access to a one-time internet surveillance scan and report to identify activity associated with your identity. You acknowledge that CIP, and its service provider, CSID, may use your personal information to the extent necessary to perform a scan of applicable websites and database, and provide you with an opportunity to view the results of such scan. Please understand that this feature may not be available in your Service. capital one platinum mastercard login

FAMILY PLANS - TERMS AND CONDITIONS

No Automatic Downgrade (Removal of All Adults and Children): If you, as the primary account holder for a family plan, remove all enrolled adults and/or children from your family plan, please understand that (i) you will continue to be enrolled in your family plan, and billed at the current rate, until you take action to update your membership, such as downgrading to an individual plan; and (ii) you will continue to enjoy the opportunity to enroll adults and/or children, as made available in your family plan.

Child Monitoring Alerts Only Visible to Primary Account Holder: Alerts for enrolled children will be made available only to the primary account holder, subject to the Child Monitoring terms provided below, even if an enrolled adult is a parent or legal guardian of such child. No Ability to View Membership Details of Other Adult Members: You, as the primary account holder, will not be able to view or receive any credit information, identity alerts, or dark web reports, among other membership details, of adults enrolled in a family membership.

RISK FREE TRIAL

(Applicable only if a Risk Free Trial is offered for your Service)

Terms of Risk Free Trial for Monthly-Billed Memberships. For monthly billed memberships with a Risk Free Trial, if you cancel within the time period of your Risk Free Trial (as detailed in the offer for your Service, and defined here as the "Risk Free Trial Monthly Term"), you will receive a full refund of the amount you paid. However, if you cancel your membership after the Risk Free Trial Term, you will not be eligible for a full or prorated refund of your current month's paid membership fee. Terms of Risk Free Trial for Annual-Billed Memberships. For annual billed memberships with a Risk Free Trial, cancellations taking place within your first thirty (30) days of membership, or within the first thirty (30) days after your annual membership renewal (or otherwise as detailed in the offer for your Service), are eligible for a full refund of that year's paid membership fee. All cancellations taking place more than 30 days after you make any annual membership fee payment are not eligible for a full or plastic pre cut twist ties refund of that year's paid membership fee.

SUBSCRIPTION BILLING MANGEMENT - TERMS AND CONDITIONS

(Applicable only where upgrades and downgrades between Services are offered)

Upgrades and Downgrades Between Services. If you accept an offer to upgrade your paid Service, you will have immediate access to the paid Service and your next subscription date will be at the higher upgraded pricing. If you decide to downgrade your paid service, your current service will continue to your next billing date at which time you will be moved to the downgraded program and your subscription will bill at the lower price point

CHILD MONITORING AND/OR CHILDSECURE® - TERMS AND CONDITIONS

Scope of Services. If made available in your Service, the Child Monitoring that will be performed is different than monitoring for persons over the age of eighteen (18). Please reference details provided at the time of enrollment for more information on the type and scope of Child Monitoring offered as part of your Service.

Certification as Parent or Guardian. A "Child" is defined as a minor under the age of eighteen (18). We will provide information about a Child only to the Child's parent or legal guardian. You certify that you are the parent or legal guardian of each child whom you have named on the Child Monitoring enrollment forms and that you understand and agree that enrollment may require CIP and/or its service provider, CSID, to obtain information about those children from a credit reporting company, if applicable, and that any information about those children that you obtain from CIP and/or its service provider, CSID, will be used solely for the purpose of protecting against or preventing actual or potential fraud with respect the children whom you are enrolling or have enrolled in Child Monitoring.

Proof of Guardianship. CIP and/or its service provider, CSID, may require, at their sole discretion, the parent or legal guardian to prove guardianship in order for the parent or legal guardian to receive the details on a Child's monitored information or request fraud resolution, which may include, but is not limited to, the Child's Social Security card and birth certificate, valid proof of identification, proof of residence, and/or a similar federal or court produced document demonstrating such relationship.

Automatic Unenrollment Prior to 18th Birthday. An enrollee in the Child Monitoring service is no longer considered a Child when the enrollee reaches his or her eighteenth (18) birthday and CIP and/or its service provider, CSID, reserve the right to automatically bank of america historical stock price any Child enrolled in Child Monitoring within seven (7) days before their eighteen birthday, based on the date of birth information provided by you in the enrollment process. After that time period, you will not receive monitoring of any sort regarding that Child.

One-Time Child Identity Scan and Report (Applicable only if made available capital one platinum mastercard login your Service). Your Service may offer access to a one-time scan and report to determine if an Experian credit report exists for your Child. You acknowledge that CIP, and its service provider, CSID, may use information provided by you about your Child (including your Child's social security number), as your Child's parent or legal guardian, to the extent necessary to perform a scan of applicable Experian databases and provide you with an opportunity to view the results of such scan. Any information you obtain about your Child from CIP and/or its service provider, CSID, will be used solely for the purposes of protection against or preventing actual or potential fraud with respect to your Child. Please understand that this feature requires establishing an account with CIP and may not be available in your Service. Proof of guardianship, as provided above, may be required by CIP and/or its service provider, CSID, in their sole discretion before the results of the one-time child identity scan may be provided to you.

TRANSACTIONAL CREDIT REPORTS AND CREDIT SCORES – TERMS AND CONDITIONS

(Applicable for the following Services such as: Vantage Score)

When you use any Service or Website to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following:

 • You may access your credit report and/or score the on the date of delivery. Credit reports and/or scores may not be available for access after initial delivery date. You may choose to purchase a new credit report and/or score or wait until your next free refresh.
 • Refunds will not be issued once we have delivered any report(s) included in the requested Service to you. Refunds will not be issued in the event a score is not available for you unless you cancel within the term of a Risk Free Trial
 • If you have questions regarding your credit report or would like to dispute information, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report.
 • For online customers, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing your credit report and/or credit score online, your session will conclude and you will be logged out for your protection.

capital one platinum mastercard login DISCLAIMERS: You acknowledge that the information provided to you through the Vantage Score, including the score factors derived from the elements in your credit report, may change over time as your credit report changes. You also acknowledge that the score factor information on how how to find routing number capital one monitor your credit position assumes there will be no adverse changes in your credit performance. CIP is not responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report and/or score products. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.

IF A FRAUD RESOLUTION SERVICE IS AVAILABLE TO YOU AS A PART OF A SERVICE YOU ARE USING OR PURCHASED, THE FOLLOWING TERMS AND CONDITIONS SHALL APPLY TO YOUR USE OF OUR ASSISTANCE

Obtaining Assistance: There are certain steps that you MUST FOLLOW in order to obtain assistance from a fraud resolution representative ("Assistance"). These steps include contacting a Customer Care Representative by calling 1-855-962-6943.

If you are a victim of Identity Theft (as defined below), which is defined for the purposes of this section as the act of knowingly transferring or using, without lawful authority, a means of identification with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of federal law or a felony under applicable state or local law ("Identity Theft"), and you incur problems or suffer damages, you may call the number listed on this Website, or call 1-855-962-6943 and make a request for Assistance. Upon acceptance of your request, an CIP fraud resolution representative will contact you. If you contact CIP regarding fraud resolution, you are agreeing to permit CIP to order a copy of your credit report for any purpose relating to your request for Assistance.

dollar cash If you are requesting Assistance regarding an enrolled child, you will be required to re-certify your status as parent or guardian, and provide documents requested by CIP to verify your status as parent or guardian, including, but not limited to, the child's Social Security card and birth certificate, valid proof of peoples bank of newton nc identification, and proof of your residence.

DISCLAIMERS: THE FRAUD RESOLUTION BENEFIT (INCLUDING ANY ASSISTANCE) IS DESIGNED TO HELP YOU PROTECT YOURSELF FROM IDENTITY THEFT VULNERABILITIES. THE SERVICE IS PROVIDED IN ADDITION TO ANY PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. CIP'S FRAUD RESOLUTION ASSISTANCE DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE. CIP DOES NOT GUARANTEE THE ACCURACY OF LIEN, JUDGMENT, INVESTMENT, OR CRIMINAL SEARCHES IT MAY PERFORM ON YOUR BEHALF.



Reservation of Rights: CIP (including, for the purposes of this section, its agents, independent contractors, assigns or other expressly authorized third party) reserves the right to make an independent investigation of the facts and circumstances related to any Assistance request, including making contact by telephone, email, US Postal Service or otherwise, any service provider or related party it deems necessary, at its sole and absolute discretion and expense, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your Assistance request.

CIP reserves the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your Assistance request, including a signed affidavit, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, CIP reserves the right to refuse any Assistance request or provide any Assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to the Identity Theft.

check the balance on victorias secret gift card CIP reserves the right not to provide you with any Assistance or discontinue your membership in the event CIP determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to the membership. If at any time you cancel your membership, CIP is no longer obligated to provide any fraud resolution assistance.

IF ANY IDENTIY RESTORATION SERVICE IS AVAILABLE TO YOU AS A PART OF A SERVICE YOU ARE USING OR PURCHASED, THE FOLLOWING TERMS AND CONDITIONS SHALL APPLY TO YOUR USE OF OUR ASSISTANCE

Identity Restoration. There are certain steps that you must follow in order to receive the Service and obtain assistance from an Identity Restoration agent. These steps include contacting Customer Care at the phone number stated on your notification materials. Please note that you may be asked to provide a limited power of attorney to facilitate any Identity Restoration related work on your behalf, including without limitation, if applicable, investigating alerts and disputing fraudulent events.

If you contact us regarding identity restoration, you are agreeing to permit CIP to order a copy of your credit report for any purpose relating to your request for assistance, if applicable. "Identity Theft" means that your name, address, Social Security number, credit card, debit card or other personal identifying information was lost, stolen or was used without your knowledge or approval to commit fraud or other crimes.

THE IDENTITY RESTORATION FEATURE IS DESIGNED TO HELP YOU IN CONNECTION WITH RESOLUTION OF AN IDENTITY THEFT. THIS PRODUCT IS PROVIDED TO ASSIST WITH RESOLUTION AND IS SEPARATE FROM ANY AND ALL PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. CIP'S IDENTITY RESTORAITON DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE AGAINST IDENTITY THEFT AND/OR THE CONSEQUENCES OF IDENTITY THEFT.

CIP, including its agents, independent contractors, assigns or other expressly authorized third party, reserves the right to make an independent investigation of the facts and circumstances related to any identity restoration request, including making contact by telephone, email, United States Postal Service or otherwise, to any service provider or any other person or entity that CIP deems necessary, in its sole and absolute discretion, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your identity restoration assistance request.

CIP reserves the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your identity restoration request, including signed affidavits, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, CIP reserves the right to refuse any identity restoration request or provide any identity restoration assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to a possible Identity Theft, including without limitation, a limited power of attorney.

CIP reserves the right not to provide you with any identity restoration assistance in the event CIP determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to your membership. If at any time you cancel your membership, CIP is no longer obligated to provide any identity restoration assistance.

If, at any time (including after beginning identity restoration assistance), you choose to discontinue using the Service, you may contact us at any time to cancel CIP's provision of or your receipt of any further assistance. You may contact us by calling the phone number stated on your notification materials.

MISCELLANEOUS

This Agreement (including the Privacy Policy,other policies CIP may post from time to time and any terms which are incorporated by reference herein or hereinafter implemented) constitute the entire Agreement between CIP and you in connection with your account with CIP, or access or use of any Service or Website, and supersede any prior versions of the terms and conditions, if applicable. CIP may update these terms and conditions from time to time. No waiver of any breach of any provision of this Agreement will constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions. This Agreement is effective until terminated by CIP. In the event of termination or the expiration of your account with CIP or your use of the Services or Websites, the Dispute Resolution by Binding Arbitration, Intellectual Property, Disclaimers, and Limitations of Liability provisions set forth in these terms and conditions, as well as any other terms and conditions that, by their nature, should survive termination, shall survive. In the event of a conflict between this Agreement, or any other notice, policy, disclaimer or other term contained in the Websites or otherwise, this Agreement will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect. CIP may, in its sole discretion and at any time, change its corporate name, logo, Marks and other terms, phrases, graphics, logos, and icons associated with its common law or registered trademarks, service marks, and/or trade dress (collectively, CIP's "Brand"), which will not impact the enforceability of this Agreement. In the event CIP takes any action to change its Brand, CIP will notify you online, via e-mail, mail or through another means reasonably calculated to give you notice of the change in Brand. In all events, any changes to CIP's Brand will be effective immediately, and the terms of this Agreement shall remain unaffected by the change in Brand unless expressly contemplated through express revisions to this Agreement.

Источник: https://www.yourcreditcardinfo.com/

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MBNA Credit Cards

†† To qualify for this offer, an applicant must be approved for the specific credit card account described in the offer and: (a) in order to obtain a "First Eligible Transaction Bonus" of 5,000 bonus points, the account must be used for at least one eligible transaction within the first 90 days of account opening that is not subsequently rescinded, the subject of a charge back request or otherwise disputed, and (b) in order to obtain a "Paperless Bonus" of 5,000 bonus points, you must enroll in online banking at www.mbna.ca, and consent to Paperless Statements for the account within the first 90 days of account opening, and not subsequently rescind such enrollment throughout this period. Please allow 8–10 weeks from the transaction date and the Paperless Statement enrollment for the applicable bonus points to be posted to your points account. Limit one-time bonus point offer (no cash value) per new account for each of the First Eligible Transaction Bonus and the Paperless Bonus). This promotion is offered by MBNA and may be amended or cancelled at any time without notice.

Источник: https://www.mbna.ca/en/quebec
  • You may be eligible for 0% on balance transfers for up to 18 months (2.9% transfer fee)*
  • Globally accepted in over 70 million Mastercard locations
  • Shop online securely and with confidence
  • Customer support – on the web, app and phone
Post Office classic credit card

19.9% to 34.9% (variable) range of APR depending on individual circumstances.

Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 34.94% p.a. variable, you will receive a 34.9% APR representative variable.

  • £200 - £8,000 credit limit
  • You may be eligible for 0% on purchases for up to 12 months*
  • You may be eligible for 0% on balance transfers for up to 12 months (2.9% transfer fee)*

Check your eligibility

Post Office classic credit card

Safe

Won’t affect your credit score

Decision

60 second response

Sure

100% certainty before you apply

Credit Card FAQs

Well, to put it simply, credit is an arrangement where you buy goods or services now but you agree to pay later. Credit comes in many different shapes and sizes including mortgages, loans, overdrafts and credit cards. In most cases, you'll have to pay an agreed amount back every month with interest. Whatever credit you choose, it's important to keep up with your monthly repayments.

A credit limit is the maximum amount that you can owe on a credit card. Your spending (including balance transfers and cash withdrawals) and any charges, interest or fees that are added must not exceed this credit limit. If it does, you may be charged an overlimit fee.

QuickCheck is a free and easy-to-use tool to check your eligibility for a credit card before you apply. You answer a few questions and then, within 60 seconds, you’ll get a guaranteed ‘yes’ or ‘no’ before you apply. This is a great way to find out whether you can get credit without impacting your credit rating, as it uses what’s known as a ‘soft search check’ and can’t be seen on your credit report by anyone other than you and the credit reference agency who provide your score. So it won’t be visible to any other lenders or anyone else you’re applying to.

What do I need to apply for a credit card?

In order to apply for a credit card, you need to have a few bits of information to hand. This will include your addresses for the previous two years, details about your employment and income, and any other credit cards you have if you want to transfer your balance.

How long does it take to receive my card?

From the date you are accepted it will take between 7-10 working days before you will have your credit card.
 

Your PIN will arrive first and separately from your credit card.

What happens when I have completed my application?

If you’ve been accepted straight away then we’ll tell you that. The same goes if you’ve been declined. But some applications take longer to consider and, in those cases, we’ll be in touch within 7-10 business days with details.

How do I service my credit card?

You can register to view your card and your Credit Card status online. Once you’ve got your credit card, you can set up your online servicing very simply. Just follow this link.

  • Check your balance
  • Check your credit limit
  • Check what you’ve got to spend
  • Check when you need to make payments by
  • Check answers to commonly-asked questions
  • And if we don’t have the answer, or you need to chat to us about anything else, we’ve got secure, one-to-one messaging


If you’re not near a computer, you could download our app – providing the same services from your smartphone or tablet.

How do I cancel my credit card?

You won’t be able to cancel your card using your online servicing account or our app as we need to run through a few details.

So if you want to close your account, please give us a call and we’ll take you through all the steps.

How does the Credit Card app work?

Our app is available on iOS and Android and you can download it from their respective app stores. You’ll get a 6-digit passcode that you need to enter to log in. Once you’ve done so, you can do the following:

Источник: https://www.postoffice.co.uk/credit-card

Capital One Financial Corporation is an American bank holding organization who specialize in credit cards, banking, auto loans and investment accounts. Their headquarter is in McLean, Virginia and operates principally in the United States. It is even on the list of the biggest banks in the United States and has gained notoriety for being a bank that is centered around technology.

The bank has 755 branches including 30 bistro style areas and 2,000 ATMs. It is positioned 97th on the Fortune 500, 17th on Fortune’s list of the 100 Best Companies to Work For, and carries out business in the United States, Canada, and in the United Kingdom. The organization helped pioneer the mass promoting of credit cards during the 1990s. In 2016, it was the fifth biggest issuer of credit cards by purchase volume, after American Express, JPMorgan Chase, Bank of America, and Citigroup.

With a 5% market share, Capital One is likewise the second biggest auto finance organization in the United States, following Ally Financial. Therefore, it is safe to say that people often want to open accounts in this bank. The one question that individuals often ask, typically those who already have an account, is how to add another credit card to my capital one app? This article focuses on just that and will answer all your questions. Keep on reading to find out.

Table of Contents

How To Add Another Credit Card To My Capital One App?

To add another credit card to your Capital One application, sign in to the application, click on your profile picture and click on “Settings.” After that, click on “Credit/Debit Card Settings” and afterward on “Link a Card.” At that point, you will have the option to link your new card to the application so you can oversee it and view the subtleties of your account.

How Do I Link My Capital One Accounts?

The steps that need to be followed in order to link an external account are:

  • Go on the website capitalone.com and sign in to your bank account on. Do keep in mind that this feature cannot be accessed through the mobile app.
  • Click on your profile picture at the top right of the screen.
  • Click on “Settings.”
  • Scroll down to “External Accounts.”
  • Once you reach External Accounts, click on “Add External Account.” You will be asked to affirm your identity and enter the details for your external account.
  • In a matter of 3 business days, Capital One will make two small test deposits (each less than $1.00) into your external account. Typically, the total sum of the test deposits is withdrawn by Capital One on the same day.
  • Sign in to captialone.com once you know the amounts and click on your profile picture at the top right of the screen. Then click on “Settings,” and from there, navigate to “External Accounts.”
  • Click on the option, “Verify account to finish setting up transfers,” and enter the amounts on the next screen.

One question that pops up is whether or not both of these accounts are joint accounts? If this is the case, then make sure that you both add the external joint account independently and that each of you completes the steps mentioned above. After your account is affirmed, you will have the option to transfer cash between accounts.

How To Verify External Bank Account After Linking It?

After adding your external account information, you can follow the given steps to verify it for transfers:

  • Within two business days subsequent to linking your account on the web, Capital One will put aside two little test installments (each under $1.00) into your external account, trailed by one withdrawal for the aggregate sum of the two test deposits.
  • Survey the activity on your external financial records, and distinguish the little test deposits.
  • When you know the sums, sign in to capitalone.com, and select the Capital One account you are connecting your external account to.

For Capital One 360 accounts, select your client profile at the upper right corner of the screen, and then select Settings, and go down to the ‘External Account’ segment. In the ‘External Account’ segment, select ‘Verify Account’ to affirm your link.

For every other account, click on the ‘Account Services and Settings’ link under your balance data, and afterward go to ‘Manage External Accounts’ to affirm your link.

It would be ideal if you keep in mind that if this is a joint external account, with a similar shared account holder, you should both sign in to capitalone.com with your individual sign in details and complete the steps mentioned above.

When you affirm the link, you will have the option to move cash between accounts. When you verify your external account, any cash you booked to be stored to a Capital One account that was recently opened, will be transferred.

How Do I Add Another Capital One Account?

In the event that you are the primary cardholder for an account, you can without much of a stretch allow someone else to make purchases and oversee other account highlights. This additional individual is called an authorized user. They get their own card, however, they are not answerable for payments.

Add an authorized user to your account

To add or view authorized users for you, follow the bearings on the Manage Users page. You will have to have some personal data about the user on you, like their date of birth and social security number.

Remove an authorized user from your account

In most cases, removing an authorized user from your record is similarly as simple as adding somebody. On the ‘Manage Users’ page, select the user you would prefer to erase and affirm it with a single tick.

You would not have the option to remove an individual who opened a joint account with you (also known as a joint cardholder). Be that as it may, on the off chance that you might want to keep further charges from posting to your account, and confine utilization of the card, you can even call Capital One at 1-800-955-7070.

Capital One Credit Card

Just think of credit cards that are anything but difficult to utilize, miles that are absolutely easy to reclaim and remunerates that are easy to cherish. Capital One has this and that is only the tip of the iceberg. You will discover travel cards, money back cards and items for the consumer who is simply starting out, all sponsored by one of the country’s biggest banks.

The best Capital One Visa is the Capital One Venture Rewards Credit Card. This card offers a heavy sign-up reward of 10,000 miles for burning through $20,000 on purchases in the initial year or you can procure 50,000 miles for burning through $3,000 in the initial 3 months. The reward is worth either $1,000 or $500 separately when reclaimed for travel. You will likewise acquire 2X miles on all passing buys. Capital One offers adaptable reclamation alternatives as you can recover your miles with any hotel or airline.

Best Capital One Credit Cards

Capital One® Platinum Credit Card

Why is it the best Capital One credit card for building credit

Need a major advantage over your credit? Look no further. The Platinum is an extraordinary first card or an item for the shopper attempting to construct their credit with mindful card use.

Pros

This card acknowledges purchasers with average, reasonable or restricted credit. There is no yearly charge, in contrast to the QuicksilverOne, and like the QuicksilverOne, you might have the option to up your credit limit after the initial a half year of on-time installments.

Cons

Unlike QuicksilverOne there are no ongoing rewards with this card.

Capital One® Quicksilver® Cash Rewards Credit Card

Why is it the best Capital One credit card for cash back?

The Capital One Quicksilver Cash Rewards Credit Card is extraordinary for buyers who need the opportunity of money back without stressing over rotating classifications.

Pros

In contrast to QuicksilverOne, which acknowledges customers with lower credit, the Quicksilver has no yearly expense. This card can’t be beat when you are searching for a no-annual-fee card that has in all cases supported progressing rewards.

Cons

In the event that you are eager to pay a yearly charge, you can get an improved welcome bonus and better layered progressing rewards, just as with the Blue Cash Preferred Card from American Express.

Capital One® Secured Mastercard®

Why is it the best Capital One secured credit card

A few of us are attempting to excel monetarily, particularly students, and this card can get you on your way, with no yearly expense and the opportunity to build credit with capable use.

Pros

The Capital One Secured Mastercard acknowledges shoppers with terrible or restricted credit and is ideal for somebody hoping to fix credit. That is on the grounds that the least demanding and quickest approach to construct credit is with a credit card. Why? Since the predominant scoring models favor mindful credit card use.

Cons

With a secured card like this one, you will be needed to put down a refundable deposit that you will be taking for your credit limit. There are no continuous rewards or sign-up rewards.

Capital One® Venture® Rewards Credit Card

Why is it the best Capital One credit card for travel rewards?

On the off chance that you are searching for tight rewards and do not have any desire to be secured by a particular travel brand, the Venture Rewards is great. As a standout amongst other Mastercards f or travel compensates, it is definitely worth your time and energy in the event that you do a decent amount of travelling, even with a $95 yearly charge.

Pros

The Venture Rewards’ 2X miles on all purchases are strong, just like the sign-up reward of 100,000 miles on the off chance that you burn through $20,000 on purchases in the initial year or 50,000 miles after just $3,000 spent in the initial 3 months.

Cons

While the Venture Rewards card presently has airline partners, the 2:1.5 exchange ratio is not as much as that of some other contender travel cards.

Capital One® VentureOne® Rewards Credit Card

Why is it the best Capital One credit card for no annual fee?

The VentureOne is an excellent first travel card, with no yearly expenses as well as no foreign transaction charges.

Pros

VentureOne’s great prizes make it worth a look. This is a solid decision for a first travel card with adaptability in redemptions and associations with over ten airlines.

Cons

The rewards of 1.25X miles on all purchases and the signup bonus could be better.

Capital One® SavorOne® Cash Rewards Credit Card

Why is it the best Capital One credit card for dining rewards?

It is essentially inconceivable to track down a cash back card that offers 3% back on eating out and entertainment with an unlimited spend. On the off chance that those are simply the sorts of purchases you frequently wind up making, the SavorOne is an extraordinary choice.

Pros

The SavorOne is an improved item when contrasted with the old Savor. There is an incredible reward of $200 after a $500 spend in the initial 3 months and 2% back at supermarkets, notwithstanding the extraordinary dining rewards.

Cons

Despite there being no yearly charges, this card’s sign-up bonus is in the center of the pack in contrast with other cash back cards.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Why is it the best Capital One credit card for limited credit history?

QuicksilverOne is an extraordinary choice for the shopper with reasonable credit who needs insight for acquiring rewards. It additionally gives you admittance to a higher credit limit after you make your initial 6 installments on schedule.

Pros

This card has similar continuous compensations as the Quicksilver Cash Rewards, making it a convincing option for your wallet.

Cons

The QuicksilverOne does not have the sign-up reward of the Quicksilver, and it conveys a yearly charge of $39, which is not deferred in the primary year.

Journey® Student Rewards from Capital One®

Why is it the best Capital One credit card for students?

The Journey Student Rewards card boosts sound credit propensities with built in features like a 25% lift to the earnings from your reward for covering your tab on time every month; rather than 1% money back on general purchases, you’ll get 1.25%. Additionally, cardholders are naturally considered for a credit line increment following a half year of on-time payments.

Pros

For those simply plunging their toe into the world of credit, this is an incredible card for learning solid money related propensities and acquiring rewards at the same time. Additionally, students who are pursuing education abroad will cherish the way that there are no foreign transaction charges.

Cons

One potential con for young shoppers is the high APR, at 26.99% variable. In the event that you figure you will be unable to cover the balance every month, you will keep more cash in your pocket by going for a card with a low interest rate.

Capital One® Savor® Cash Rewards Credit Card

Why is it the best Capital One credit card for sign-up bonus?

With unrivaled continuous prizes and a solid sign-up reward, the Savor Cash Rewards has a great deal to bring to the table. You can earn a $300 money back after a $3,000 spend in the initial 3 months, making it a top money back card for sign-up rewards.

Pros

This current card’s prizes of 4% on eating out and entertainment beat the last proposal of 3% on eating, along with the same extraordinary 2% back at supermarkets.

Cons

There’s now a yearly fee of $95 that is not deferred in the primary year.

Capital One® Spark® Cash for Business

Why is it the best Capital One business credit card for cash back?

On the off chance that you are searching for a money back business card, the Spark Cash for Business has some incredible features, for example, the sign-up reward. Furthermore, if you need the accommodation of a card that rewards you representative cards at no charge, this card is the one for you.

Pros

This card’s 2% back offers makes it difficult to disregard it. Additionally, rewards do not lapse for the life of the record, and you can reclaim for any sum.

Cons

In spite of the fact that it is deferred in the principal year, there is a $95 yearly expense. The sign-up reward’s required spend is additionally high, at $4,500 in the initial 3 months for a $500 reward.

Capital One® Spark® Miles for Business

Why is it the best Capital One business credit card for travel?

The Spark Miles for Business is like the Spark Cash, except that you get miles rather than money back, making it a decent option for travel reclamations.

Pros

Like the Spark Cash for Business, the Spark Miles card’s $95 yearly charge is deferred in the initial year, and the progressing rewards are the equivalent, making it a decent card to have for travel purposes.

Cons

The Spark Miles gives you 50,000 miles after a $4,500 spend in the initial 3 months of card participation, making the required spend a high boundary.

Is Capital One A Visa Or Mastercard?

Capital One gives both Visa credit cards and Mastercard credit cards. In contrast to Capital One, which is a bank, Visa and Mastercard are card organizations. That implies that Visa and Mastercard do not give credit cards yet rather help to deal with their transactions and give some supplemental advantages.

Conclusion

Capital One has reliably ranked as perhaps the best work environment, showing up in various Glassdoor’s Best Places To Work reports. In 2020, Fortune magazine ranked Capital One at number 24 on their Fortune List of the Top 100 Companies to Work For in 2020 dependent on a worker review of fulfillment. Moreover, adding another credit card to your Capital One app is extremely simple. All you have to do is log in on your Capital One account on their official website, go to the setting option by clicking on your profile picture and then follow the steps that come up.

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What Is A Subprime Mortgage?

Charles Bains

Charles Bains

Charles Bains started his insurance career as a marketing intern before pounding the pavement as a commercial lines agent in Orlando, FL. As an industry journalist, his articles have appeared in a variety of trade publications. His insurance television career, short-lived but glorious, once saw him serve as the expert adviser on an insurance-themed infomercial (yes, you read that correctly). Having recently worked for various organizations, coupled with his broader insurance knowledge, Charles is able to understand our client’s needs and guide them accordingly. He is a gem for Insurance Noon as his wide area of expertise and experience have been beneficial in conducting further researches to come up with solutions and writing them in a manner which is easy for everyone including beginners to comprehend.

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Источник: https://insurancenoon.com/how-to-add-another-credit-card-to-my-capital-one-app/

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Petal 1 has everything you need to stay on the financial fast track. Pay on time successfully each month, build credit, and avoid paying any fees. Then rinse, and repeat.

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Источник: https://www.petalcard.com/petal-1

Effective: November 14, 2019 (Please note that our Terms of Use Agreement is also referred to as the "Terms and Conditions")

OVERVIEW AND ACCEPTANCE OF TERMS

You agree that by creating an account with Continental Identity Protection (“CIP”) or accessing or using our Services (as defined below), website(s) (such as this website, www.yourcreditcardinfo.com and www.continentalidentityprotection.com, www.portal.continental.com or any affiliated website or mobile application(s), as well as any content provided or accessible in connection with the website(s) or mobile application(s), including information, user interfaces, source code, reports, images, products, services, and data (each website and mobile application referred to herein as a "Website," and collectively, as "Websites"), you represent to CIP that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein ("Agreement") whether you are a "Visitor" (which means that you simply browse or access a Website), or a "Customer" (which means that you have created an account with CIP, or enrolled or registered with a Website, or are accessing or using a Service).

At Customer's election, Customer may, from time to time, request to receive, and CIP may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee (each a "Service" and collectively as “Services”), and Customer's receipt and use of such Services shall, at all times, be subject to this Agreement. The term "Service" includes, but is not limited to, the provision of any of our products and services, including credit report(s), credit risk score(s), credit monitoring, credit score monitoring and credit score tracking (including all the data and information contained therein), the receipt of any alerts notifying you of changes to the information contained in your credit report(s), regardless of the manner in which you receive the Services, whether by email or mail, through a website or mobile application, by telephone, or through any other mechanism by which a Service is delivered or provided to you. The term "you" or "User" refers to a Visitor or a Customer. For purposes of this Agreement, the terms "we," "us" refer to CIP, its predecessors in interest, successors and assigns, and any of its third party service providers (including, without limitation, cloud service providers) that CIP uses in connection with the provision of the Services to you. If you are a Visitor and do not wish to be bound by this Agreement, you should immediately cease accessing and using the Websites. Notwithstanding the immediately preceding sentence, if you are a Visitor and continue to access and use a Website, by virtue of your continued access and/or use of the Website, you are indicating your acceptance of this Agreement and agreement to be bound by the terms and conditions contained herein. If you wish to become a Customer and make use of the Services, you will be prompted during the registration process to agree, and must agree, to be bound by this Agreement.

For the avoidance of doubt, this Agreement expressly applies to: (a) your access to and use of the Websites; (b) any and all transactions between you and CIP through the Websites, including for the provision of any Services or of any credit, personal, financial or other information delivered as part of or in conjunction with free Services or paid Services, including any such information that may be archived to the extent made available on the Websites, such as (i) for your purchase of non-membership based Services such as Vantage Score(s), (ii) enrollment and use of free Services, and/or enrollment, purchase and use of membership based Services and (iii) your access to and use of calculators, credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto contained in the Websites.

You may not browse the Websites, or create an account or register with CIP, or use or enroll in any Services, and you may not accept this Agreement, if you are not of a legal age to form a binding contract with CIP. If you accept this Agreement, you represent that you have the capacity to be bound by it. Before you continue, you should print or save a local copy of this Agreement for your records.

PERMISSIBLE PURPOSE AND CONSENTS

THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THIS AGREEMENT CAREFULLY. YOUR ACCEPTANCE OF, ORDER OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE WEBSITES. IF YOU HAVE ALREADY BEGUN ACCESSING OR USING THE SERVICES AND/OR WEBSITES AND DO NOT AGREE TO BE BOUND BY THIS AGREEMENT, IMMEDIATELY CEASE USING THE SERVICE OR WEBSITE AND/OR DISCARD ANY INFORMATION OR PRODUCTS YOU RECEIVED VIA ANY SERVICE OR WEBSITE (TO THE EXTENT APPLICABLE), AND CALL CUSTOMER CARE AT 855-281-7681 TO CANCEL YOUR ACCOUNT WITH CIP. NOTE, YOU MAY ALSO BE ABLE TO DEACTIVATE YOUR PAID SERVICE AND RETAIN YOUR ACCOUNT WITH CIP ONLINE, AS AND TO THE EXTENT EXPLAINED IN FURTHER DETAIL BELOW.

You understand and agree that, by establishing an account with CIP, or submitting your order or enrolling for any Service (including an order for a Service that includes enrollment of your minor child in such Service), you have provided "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for CIP, and its service provider, CSIdentity Corporation, an Experian company ("CSID"), to obtain your credit report and/or credit score(s) (or the credit report or credit score(s) of any minor children whom you have enrolled in a Service) on a recurring basis to provide them to you while you have an account with CIP, and such information may be obtained by Experian Information Solutions, Inc. ("Experian Credit Bureau") or any other credit or counseling reporting company. You understand and agree that, pursuant to such authorization, CIP, and its service provider, CSID, may access your credit profile (and those of any minor children whom you have enrolled in a Service), including without limitation, your credit report, credit score(s) and other related information, to, among other things, verify your identity (or those of any minor children whom you have enrolled) and to provide credit monitoring, credit scoring, credit score monitoring and tracking, identity monitoring, alerts for, among other things, dormant accounts, new accounts, inquiries, other changes to information contained in your credit report, fraud resolution, or card registry products. You understand and agree that CIP, and its service provider, CSID, may, from time to time, provide products, services, features and/or functionality to you, and that they shall be offered pursuant to the same authorization that you provided to CIP for CIP to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you to review while you have an account with CIP.

You further understand and agree that, by establishing an account with CIP, or submitting your order or enrolling for any Service, you have provided "written instructions" in accordance with the FCRA for CIP to obtain and use the information you have provided, and your credit report and/or credit score(s) to notify you of credit opportunities and other products and services that may be available to you through CIP or through unaffiliated third parties (as explained in the section below entitled "General Description of Services"). In addition, you further understand and agree that, if you request certain loan offers as part of any Service, such as prequalified personal loan offers, you are authorizing CIP to send your information to lending partners on your behalf, and have provided "written instructions" in accordance with the FCRA to such lending partners to obtain information from your personal credit profile or other information from one or more consumer reporting agencies, such as TransUnion, Experian or Equifax, solely to prequalify you for credit options, offers or other credit opportunities, including prequalified personal loan offers, and to share such credit opportunities with CIP.

You understand and agree that CIP receives compensation for the marketing of credit opportunities or other products or services available through third parties, and that this compensation may impact how and where such credit opportunities, products or services appear on a Website (including, for example, the order in which they appear). You further understand and agree that many but not all credit opportunities available through third parties, such as prequalified credit and personal loan offers, may be made available to you in a Service, and such Service will not include all credit opportunities available through third parties. Please note that prequalification for a credit opportunity available through a third party does not guarantee approval, and you will need to submit an application with such third party if you choose to apply for a prequalified offer (and such application may result in a credit inquiry that can impact your credit score(s)).

You further understand and agree that, by using the Experian Boost Service or other Services using Linked Accounts (as defined below, including Financial Management Tools), you (i) authorize CIP and its service provider(s), including Finicity, to gain recurring access to your financial account(s) to obtain, use and store financial transactions ("Consumer Consent Transaction Data") to add and maintain transactions (e.g. addition of certain utility and mobile telecom bill payment history) to your Experian credit file, and if you elect to use Financial Management Tools for CIP to monitor and provide alerts and insights for your financial transactions for your own review (if Financial Management Tools are made available to you); and (ii) designate CIP, and its service provider(s), including Finicity, as your agent(s), and have provided "written instructions" in accordance with the FCRA, to add and maintain information to your Experian credit file using Consumer Consent Transaction Data, and such information may be provided on your behalf by CIP to the Experian Credit Bureau, and may be used and stored by the Experian Credit Bureau for any purposes lawfully permitted by the FCRA (e.g. use in lending decisions of certain utility and mobile telecom bill payment history added to your Experian credit file using Experian Boost), and/or to the same extent as any other information furnished to the Experian Credit Bureau for inclusion in your Experian credit file.

AMENDMENTS

This Agreement may be updated from time to time. You should check this Website regularly for updates to this Agreement. Each time you order, access or use any of the Services or Websites, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement. Modifications take effect as soon as they are posted to this Website (or any of the Websites, to the extent applicable to you), delivered to you, or reasonably made available to you in writing by CIP. However, no unilateral amendment will retroactively modify the parties' agreed-to dispute resolution provisions of this Agreement for then-pending disputes, unless the parties expressly agree otherwise in writing.

MODIFICATION OF SERVICES OR WEBSITES

CIP may, at its discretion, modify or discontinue any of the Services or Websites, or any portion thereof, with or without notice. You agree that CIP will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Service or Websites.

GENERAL DESCRIPTION OF SERVICES

The Services and Websites are meant to provide you a means to review your personal finance and/or credit information for educational purposes only, and to manage if and to the extent you so choose, and may notify you of credit opportunities and other products and services that may be available to you through CIP or through third parties (such as, among other things, advertisements or offers for available credit cards, loan options, financial products or services, or credit related products or services and other offers to Customers, the ability to track and collect certain consumer information specific to you, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates). The Services and Websites are meant for your personal use only. The Services and Websites may also provide you other third-party product information, such as the availability of loans and other financial products or services, or credit related products or services (including credit repair or other credit education services). This includes receiving offers free of charge for various credit or other financial products or services based upon your self-identified credit attributes (and/or your consumer report or credit score). These offers may also be generic and may not contain offers based on information specific to you.

We will identify those Services that are provided to you free of charge. Some of the Services may require a fee at the time of Service purchase or enrollment, such as membership Services that require the payment of an ongoing fee for CIP's provision of such Services. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize us to, from time to time,: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a transaction on a recurring basis (e.g., monthly or annual basis) for membership renewals, (iii) if necessary, obtain updates from card issuers for cards provided to us, and (iv) if necessary (and applicable) bill your mobile carrier or others via a mobile application if you authorize us to do so. You may cancel your subscription or enrollment for an ongoing paid Service at any time by calling Customer Care or by using any other method specified on the Websites or in the customer membership center.

For the sake of clarity, if at any time while you have an account with CIP, you decide to cancel your membership in a paid Service, you will be automatically enrolled in a free Service, as the cancellation of the paid Service will not cancel your account with CIP unless you so indicate. To de-activate your account in its entirety and no longer receive the free Service, you must de-activate your account by contacting Customer Care, or logging into your online account to deactivate your account, if available, and expressly de-activating your account to no longer receive such free Service. In all events, your account with CIP, (including your access to, and use of, any free or paid Services, and Websites, and regardless of whether you upgrade or downgrade any Services while maintaining your account), shall be governed by this Agreement and the terms and conditions contained herein.

You acknowledge and agree that CIP (including its Services and/or Websites) has not and does not provide you (or any minor child enrolled in a Service) legal, tax, financial, or other advice (including, without limitation, advice on how to improve or repair your credit or credit scores), and that its Services and/or Websites are not designed or intended to provide any such advice. As discussed above, and for your convenience, we may provide links to various other third party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which CIP may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. There may be other offers generally available to you (including those available in the marketplace) that are not available to you on our Websites. CIP does not make any guarantee or imply approval for any particular offer or opportunity made on our Websites. Further, CIP does not represent, warrant or guarantee any level of potential savings or other benefit should you choose to apply for a particular offer. Any suggestion or representation of possible savings are for illustrative purposes only and may vary based on your individual financial circumstances and the terms made available to you by the applicable issuer or lender. CIP disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible savings made by CIP or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender's website. Once you click apply for any offers, you will be directed to the issuer or lender's website where you may review the terms and conditions of the applicable opportunity or offer before applying.

While CIP uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. CIP does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can CIP guarantee your eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. CIP reserves the right to terminate any link or linking program at any time. CIP disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites.

ACCOUNT WITH CIP; USE OF THE SERVICES

In consideration of your account with CIP, and/or your order of, access to, and/or use of any Service or Website, you agree to provide true, accurate, complete and current information about yourself and any minor children you are enrolling, or have enrolled, in any Service, when prompted to do so by the registration and application forms or requested to do so by CIP. If any information you provide is untrue, inaccurate or not current, or if CIP has reasonable grounds to suspect that such information is untrue, inaccurate or not current, CIP, at its sole discretion, has the right to suspend or terminate your account, or order of, use of, and/or access to, any Service or Website, and refuse all current or future orders of, use of, and/or access to, any Service or Website, or suspend or terminate any portion thereof. You acknowledge and agree that CIP may, in its sole discretion, retain any information you provide to it or generated by CIP (or its affiliates/suppliers) while you have an account with CIP, including any information about you (or any minor child you are enrolling, when enrolling in any Service) and any credit card or payment or other information obtained in connection with your account and/or the provision of any Service. If CIP does retain any such information, you acknowledge it is not obligated to retain that information for any specified period of time.

DISPUTE RESOLUTION BY BINDING ARBITRATION

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.

SUMMARY:

MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER'S SATISFACTION BY CALLING CIP'S CUSTOMER CARE DEPARTMENT AT 1-855-281-7681. IN THE UNLIKELY EVENT THAT CIP'S CUSTOMER CARE DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE REGARDING A SERVICE OR WEBSITE TO YOUR SATISFACTION (OR IF CIP HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. FURTHER, IN ARBITRATION, BOTH YOU AND CIP WILL BE ENTITLED TO RECOVER ATTORNEYS' FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT.

Arbitration Agreement:

(a) CIP and you agree to arbitrate all disputes and claims between us arising out of this Agreement that are directly related to the Services or Websites to the maximum extent permitted by law, except any disputes or claims which, under governing law, are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims between us directly relating to the provision of any Service and/or your use of any Website subject to arbitration to the fullest extent permitted by law. The agreement to arbitrate includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us arising out of any Service or Website, whether based in contract, tort, statute (including, without limitation, the Credit Repair Organizations Act) fraud, misrepresentation or any other legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising); claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this Agreement.

For purposes of this arbitration provision, references to "CIP," "we," and "us" shall include our respective parent entities, subsidiaries, affiliates (including, without limitation, our service provider, CSID), agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of Services and/or Websites or information under this or prior Agreements between us relating to Services and/or Websites. Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and CIP are each waiving the right to a trial by jury or to participate in a class action to the maximum extent permitted by law. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive termination of this Agreement.

(b) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to CIP should be addressed to: General Counsel, Continental Identity Protection LLC, 4550 New Linden Hill Road, Suite 400, Wilmington, DE 19808 ("Notice Address"). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from CIP ("Demand"). If CIP and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or CIP may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by CIP or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or CIP is entitled.

You may obtain more information about arbitration from www.adr.org.

(c) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. If the AAA is unavailable or refuses to arbitrate the parties' dispute for any reason, the arbitration shall be administered and conducted by a widely-recognized arbitration organization that is mutually agreeable to the parties, but neither party shall unreasonably withhold their consent. If the parties cannot agree to a mutually agreeable arbitration organization, one shall be appointed pursuant to Section 5 of the Federal Arbitration Act. In all events, the AAA Rules shall govern the parties' dispute. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The AAA Rules may change from time to time, and you should review them periodically.

All issues are for the arbitrator to decide, including the scope and enforceability of this arbitration provision as well as the Agreement's other terms and conditions, and the arbitrator shall have exclusive authority to resolve any such dispute relating to the scope and enforceability of this arbitration provision or any other term of this Agreement including, but not limited to any claim that all or any part of this arbitration provision or Agreement is void or voidable. However if putative class or representative claims are initially brought by either party in a court of law, and a motion to compel arbitration is brought by any party, then the court shall have the power to decide whether this agreement permits class or representative proceedings. The arbitrator shall be bound by the terms of this Agreement and shall follow the applicable law. In this regard, the arbitrator shall not have the power to commit errors of law or legal reasoning, and any award rendered by the arbitrator that employs an error of law or legal reasoning may be vacated or corrected by a court of competent jurisdiction for any such error. Unless CIP and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If your claim is for $10,000 or less, we agree that you may choose whether the final arbitration hearing will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. The payment of all arbitration fees will be governed by the AAA Rules.

(d) The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the AAA Rules.

(e) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

(f) YOU AND CIP AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and CIP agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If arbitration is chosen by any party, neither you nor we may pursue a Claim as part of a class action or other representative action. Claims of two (2) or more persons may not be combined in the same arbitration. If this specific subparagraph (f) is found to be unenforceable in its entirety, then the entirety of this arbitration provision shall be null and void. However, if only a portion of this subparagraph (f) is found to be unenforceable, then the unenforceable portion of the provision shall be stricken, and the remainder of subparagraph (f) enforced. Any claims not subject to individual arbitration under applicable law shall be stayed in a court of competent jurisdiction pending completion of the individual arbitration.

(g) The arbitration provision remains in full force and effect unless you opt out of the provision in accordance with subpart (h) or you and we otherwise agree in writing to set the provision aside. The arbitration provision survives, for example but without limitation, the cancellation or termination of the Agreement or the Services, the satisfaction of any obligations under the Agreement or the Services, the transfer, sale, or assignment of the Agreement or the Services or any rights under either, and the bankruptcy of any party.

(h) You may opt out of this arbitration provision by sending written notice to us of your decision to opt out. Notice must be sent by United States Postal Certified Mail, Return Receipt Requested, to the Notice Address in subpart (b) above. The notice must be postmarked no later than 30 days after the date of your Agreement. You must retain proof of receipt. Your opt out notice must state that you reject the arbitration provision and include your name, address, Account number and personal signature. No one else may sign the opt out notice.

FCRA DISCLOSURES

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 CIP to dispute inaccurate or incomplete information in your Experian Credit Bureau file or to receive a copy of your Experian Credit Bureau consumer disclosure.

The credit report you are requesting from CIP is not intended to constitute the disclosure of Experian Credit Bureau information required by the FCRA or similar state laws. Experian Credit Bureau's National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by CIP. This disclosure report must be obtained directly from Experian Credit Bureau by going to www.experian.com/dispute, or by calling 888- EXPERIAN.

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 Credit Bureau, 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 CIP 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. CIP's Services are not related to the free FCRA disclosure that you are or may be entitled to.

TERRITORIAL RESTRICTIONS

Unless otherwise specified, the Services made available through the Websites are intended for use by U.S. consumers only. We make no representations or warranties that the information, products or services provided through the Services or the Websites are appropriate for access or use in other jurisdictions.

Recognizing the global nature of the Internet, however, 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 U.S. and the country in which you reside. Notwithstanding the above, we reserve the right to limit the availability of the Services or the provision of any Services to any person, geographic area, or jurisdiction, at any time and in our sole discretion.

COMPLIANCE WITH LAW AND NOTICE OF PROSECUTION

Your access and use of the Services and Websites must comply with all applicable laws, rules and regulations. Unauthorized access and use of the Services and/or Websites is expressly prohibited. For online customers, access to and use of password protected and/or secure areas of the Websites are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Websites may be subject to prosecution.

Further, failure to comply with all applicable laws, including but not limited to the FCRA, can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.

AUTHENTICATION

CIP will use commercially reasonable efforts to provide Services to you in a timely manner, including instant online delivery of your credit report for online customers when available. For certain online Services, however, when the system is unable to authenticate you, you may be routed through an alternate authentication process, such as authentication through Customer Care or a manual authentication process. In the event CIP utilizes a manual authentication process, CIP will send a private access code via U.S. mail to the address in your credit file, which you can use to access your account online. This process is normally completed within five (5) to seven (7) days. In the event that you are routed through an authentication process, it is your responsibility to successfully complete authentication so that you can gain access to your account on the Website. Your account, including any membership or enrollment in a Service, will continue, including, if applicable, continuing to monitor your credit report(s) or score(s), all of which will be available to you once you complete authentication. Consequently, for any ongoing paid Services, you will continue to be billed for your membership and the associated services available to you until you cancel in accordance with this Agreement. Please note that, for most Services, CIP cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times. In the event you fail online authentication one or more times, you may be directed to Customer Care to complete the authentication process over the telephone.

PERSONAL INFORMATION

CIP, and its service provider, CSID, may use your personal information to the extent necessary to authenticate your identity, process your order or request for, and provide, the Services to you, as well as for quality assurance, account and business maintenance, and such other business uses in accordance with applicable law.

RECEIPT, REVIEW AND ACCEPTANCE OF PRIVACY POLICY

By establishing an account with CIP, or submitting your order for or enrolling in any Service, you acknowledge receipt of the privacy policy applicable to the provision of Services (the “Privacy Policy”), and acknowledge that you have reviewed this policy, and agree to be bound by its terms. The policy can be accessed here: Privacy Policy, Your agreement to be bound by this Agreement includes your agreement to be bound by the Privacy Policy, subject to the express terms contained in the policy. If you do not agree to the terms of the Privacy Policy, you should cease accessing and using the Services and Websites (including by cancelling your account with CIP). Notwithstanding the immediately preceding sentence, you agree to be bound by the Privacy Policy upon submitting information to CIP to submit your order or enroll in any Service, even if you do not ultimately consummate your order or enrollment for a Service.

ONLINE AND/OR MOBILE APPLICATION REQUIREMENTS

You must have an email address and provide the same to CIP, and have a Java-compatible browser to receive and/or access your Services online via a mobile application, if applicable. As an online (or mobile application) customer, you are agreeing to receive all notifications via email at the email address on file with CIP. You are obligated to update the email address on file when your email address changes. In the event that CIP is unable to deliver email messages to you, you agree to accept Service notifications in an alternative method, such as direct mail or SMS messages. If such notification feature is made available, we strongly encourage you to select SMS messaging as an alternative method of receiving notifications and alerts. You may select this method, if and when applicable, by accessing your Customer homepage online and changing your Alert Settings. Please note, mobile messaging rates may apply. All service alerts are also accessible online in your Alerts Center of your account.

The Services may offer features and services that are available to you via a Website, such as a mobile applications or mobile website. Standard messaging, data and other fees may be charged by your carrier. By using the mobile features, you agree to be bound by the terms of this Agreement and further agree that we may bill your carrier (if applicable) for any Services you authorize. You may also purchase services via mobile applications of third parties. Any third party mobile application purchases shall be governed by the purchase terms and conditions of the third party from which you are purchasing services. You also agree that we may send communications to your mobile device and collect information from your device, as described in our Privacy Policy and/or Ad Targeting Policy. You also agree that if you opt-in to receive SMS marketing offers, including from or on behalf of CIP, you agree to receive recurring autodialed text messages at the mobile phone number you provide. When SMS messaging is available, you can change your communication preferences at any time through the Mobile Center.

In the event that you fail to or otherwise do not update your email address or mobile phone number on file with CIP, and thus CIP is unable to deliver email or SMS messages to you, you nonetheless understand and agree that any paid Service will be fulfilled at the price agreed upon at the time that you placed your order or enrolled in the Service.

NO WARRANTY BY CIP

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND WEBSITES IS AT YOUR SOLE RISK. ALL SERVICES AND WEBSITES ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, CIP (AND ITS AFFILIATES AND SUPPLIERS) EXPRESSLY DISCLAIM ALL WARRANTIES OR GUARANTEES OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE SERVICES AND WEBSITES OR OTHER MATERIALS YOU MAY RECEIVE FROM CIP DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. CIP (AND ITS AFFILIATES AND SUPPLIERS) MAKE NO WARRANTY THAT (I) THE SERVICES ARE ACCURATE, TIMELY, SECURE, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE RELIABLE.

PROMOTIONAL (OR ACTIVATION) CODES

If you are using a promotional (or activation) code to obtain a Service, you are restricted to a one-time use of such promotional (or activation) code. Any subsequent, unauthorized use of the promotional (or activation) code will result in immediate termination of any associated Services without notice and in accordance with the termination provision(s) in the section entitled "Use of the Services," found herein.

Please note that if you improperly obtain a Service with a promotional (or activation) code (including via a promotional (or activation) code you obtained that was not intended for your use in the first instance), any credit card number you may have provided to us will also be charged with the fee for the Service that was obtained improperly.

Promotional codes cannot be applied to previously placed orders, and are not transferrable or redeemable for cash or credit, and may not be copied, reproduced, published or distributed in any form without the prior written approval of CIP. If you used a promotional code to obtain a Service for a discounted recurring (e.g. monthly) fee for a limited period of time ("Discount Term"), you will be billed the standard rate for your Service (as provided to you during the enrollment process) on a recurring basis at the expiration of the Discount Term, unless you cancel your Service prior to the end of the Discount Term pursuant to this Agreement.

LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT CIP WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCOUNT(S) WITH CIP, OR 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 WEBSITE OR LINKED WEBSITE, WHETHER FORESEEABLE OR NOT AND HOWEVER CAUSED, EVEN IF CIP HAS BEEN ADVISED OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. WITHOUT LIMITING THE GENERALITY OF THE FOREGIONG, YOU AGREE IN ANY EVENT THAT CIP'S TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN) FROM CIP'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO CIP FOR THE SERVICE YOU PURCHASE FROM CIP DURING THE TWELVE (12) MONTHS PRIOR TO THE DATE OF THE EVENT GIVING RISE TO THE LIABILITY.

CONSENT FOR ELECTION SIGNATURES, RECORDS AND DISCLOSURE ("E-CONSENT")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. In order to provide you with credit opportunities available through third party lending platforms, including prequalified credit and personal loan offers, such third party lending platforms may need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on a link assenting to this Terms of Use Agreement, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lending platforms directly. The lending platforms will provide paper copies at no charge. The lending platforms will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lending platforms and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lending platforms may process your information and interact during all online interactions with you electronically. The lending platforms may also send you notices 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 Business Electronically. Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lending platforms.

Withdrawing Consent. Your E-Consent with respect to Disclosures about credit opportunities, including prequalified credit and personal loan offers submitted through CIP for our third party lending platforms' consideration of your offer request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more third party lending platforms, you are free to withdraw your E-Consent with those third party lending platforms at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lending platforms. Contact the third party lending platforms directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lending platforms informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lending platform's website or by sending the lending platform a written update by mail.

CONSENT. BY AGREEING TO THIS TERMS OF USE AGREMENT AND/OR USING ANY SERVICE OFFERING CREDIT OPPORTUNITIES, INCLUDING PREQUALIFIED CREDIT AND PERSONAL LOAN OFFERS, YOU ASSENT TO THE E-CONSENT TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDING PLATFORMS ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDING PLATFORMS OVER THE INTERNET.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

CIP offers access to your credit report, Vantage Score, and other credit information. CIP is not a credit repair organization, and is not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Service and Websites (or any content in the Websites) in order to do so.

Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are Customers of the credit score monitoring product.

Vantage Score

Vantage Score is a consumer credit-scoring model, created through the three major credit bureaus (Equifax, Experian, and TransUnion). The model is managed and maintained by an independent company, VantageScore Solutions, LLC, and is jointly owned by the three bureaus. CIP will utilize Vantage Score 3.0. This version has a scale of 300 to 850.

Higher scores represent a greater likelihood that you'll pay back your debts, so you are viewed as being a lower credit risk to lenders. A lower Vantage Score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies - Experian Credit Bureau, TransUnion® and Equifax® - that maintain a record of your credit history known as your credit report. Your Vantage Score is based on the information in your credit report at the time it is requested. Your credit report information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. As a result, your Vantage Score can vary if the information they have on file for you is different. Since the information in your report can change over time, your Vantage Score may also change.

Under certain circumstances, we will be unable to provide a credit score to you based on your particular credit behaviors, or a score may be unavailable at a particular time. Although your score may be unavailable at a given time, it may later become available, depending on a change in your credit behaviors or to the information a credit reporting agency has on file for you. Scores may be offered to you free of charge, or in some circumstances, may require a fee. Even if you pay a fee to obtain a score, a score may not always be available to you (even if a credit report is available to you). If a credit score is unavailable, you may want to learn more about the reasons a score is not available for you, and what actions you might be able to take so later a score may be generated for you. In the event a score is not available for you and you have questions, please call Customer Care.

CREATING AN ACCOUNT WITH CIP; REGISTERING FOR ANY SERVICE

To create an account or enroll or purchase any Service, you must have an address within the United States, provide a valid Social Security number, address, email address and date of birth and agree to be bound by these terms and conditions. In other limited circumstances, you may need to provide a valid telephone number so that CIP can process your order. You must provide valid billing information such as your routing number and checking or savings account number (ACH), credit card or debit card information to enroll in or purchase a paid Service, as explained in greater detail above. CIP will then evaluate your complete registration information.

In certain jurisdictions sales tax at state and local rates may apply, in which case you may be charged the applicable taxes in addition to the monthly fee and/or the price of the product.

For certain Services and/or channels where Services are sold, we reserve the right to accept or decline some forms of payment, including, but not limited to "pre-paid" or "re-loadable" credit/debit cards.

SPOUSE/ADULT CHILDREN NOT INCLUDED (EXCEPT FOR FAMILY PLANS)

Except for family plan memberships (as provided in the " Terms and Conditions" below), CIP is not able to accept and process joint registration for two or more adults. Neither your spouse nor any other adult will be enrolled in any Service pursuant to your order.

TERMS AND CONDITIONS RELATED TO SERVICES

Credit Monitoring in Paid Services (Applicable to Multi-Bureau Monitoring)

Your paid membership in credit monitoring is effective for the period covered by your membership fee and continues upon your payment of the monthly/annual renewal fee. Renewal fees for your membership will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you, on the first day of each successive membership term, until you cancel your membership. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you have paid, you may cancel your membership and terminate further billing by calling 1-855-281-7681, or online, if that option is applicable and available to you. If you are an annual subscriber and choose to cancel within 180 days of when you were billed, you will be eligible to receive a prorated refund of your current year's membership fee. If you are a monthly subscriber and choose to cancel anytime during your monthly billing term, your membership and monthly billing will terminate at the end of your monthly billing term and you will not be eligible for a prorated refund of any portion of your paid monthly membership fee. CIP reserves the right to change the membership fee for any renewal term to be effective upon the renewal of your membership.

Please note, there are different processing times across the credit reporting companies, therefore you may not be enrolled in all of them at the same time. We will use commercially reasonable efforts to begin monitoring with the Experian Credit Bureau within 2 business days of successful enrollment (except as otherwise stated herein), while you are in your risk free trial period. We will also use commercially reasonable efforts to begin monitoring with Equifax and TransUnion within 4 business days of successful enrollment, though in some cases it may take longer so will not be initiated during the trial period (if a trial period applies). You acknowledge and agree that CIP does not control, and therefore is not responsible, for the enrollment process with the Experian Credit Bureau, Equifax or TransUnion. Similarly, we cannot guarantee that you will be successfully enrolled in monitoring with Experian Credit Bureau, Equifax or TransUnion.

If you order a Service that includes a single bureau credit monitoring product from CIP, CIP requests only the Experian Credit Bureau enroll you in its credit monitoring program. If you order a Service that includes a credit monitoring product from CIP that monitors credit files at three credit bureaus, CIP requests that the Experian Credit Bureau, Equifax and TransUnion enroll you in their respective credit monitoring programs. Your order of any single bureau credit monitoring product is conditioned upon successful enrollment by the Experian Credit Bureau in its credit monitoring program; if the Experian Credit Bureau is not able to enroll you, your order will be cancelled and you will not receive alerts or monitoring of changes to your Experian credit file.

Your order of any tri-bureau credit monitoring product (monitoring credit files at three credit bureaus) is conditioned upon successful enrollment by at least one credit bureau in its credit monitoring program. 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 credit bureaus, is 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 credit monitoring program.

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, CIP 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. CIP 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.

Credit Monitoring Membership With Risk Free Trial (Applicable to Single-Bureau Monitoring) You will be asked for valid credit card information when you sign up for the risk free credit monitoring trial. You will have full access to all features and benefits of your program during the 30 day risk free trial. CIP will verify your credit card information before processing your order. An authorization in the amount of one dollar may be issued on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card may be charged a non-refundable $1 fee. for your Credit Report. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. You may cancel your membership by contacting customer service via telephone or online, if applicable. If you cancel the membership within the first 30 days, a full refund of the monthly/annual fee will be provided. If you purchase credit reports and/or scores during your trial period, they may be billed to the credit or debit card provided to us during enrollment. In the event that you purchase products from CIP using a different credit or debit card, or if you update your payment information with CIP, CIP will charge the latest card provided by you. Please note, if you have ever been a Customer and received a risk free trial, CIP may refuse to give you another risk free trial offer. Returning Customers will be billed the membership fee immediately upon renewal. During your trial period, you are eligible for one report and/or score as dictated by your specific membership terms.

Credit Monitoring Membership With Risk Free Trial (Applicable to Multi-Bureau Credit Monitoring): You will be asked for valid credit card information when you sign up for the risk free credit monitoring trial. You will have full access to all features and benefits of your program during the 30 day risk free trial. CIP will verify your credit card information before processing your order. An authorization in the amount of one dollar may be issued on your credit card to make sure it is valid and in good standing and the one dollar authorization amount may count against your credit or debit limit. Additionally, your credit card may be charged a non-refundable $1 fee for your Credit Report. The monthly/annual fee will be billed to the credit card or other billing source provided by you when you purchased credit monitoring, on the first day of your purchase and each successive membership term. You may cancel your membership by contacting customer service via telephone or online, if applicable. If you cancel the membership within the first 30 days, a full refund of the monthly/annual fee will be provided. If you purchase credit reports and/or scores during your trial period, they may be billed to the credit or debit card provided to us during enrollment. In the event that you purchase products from CIP using a different credit or debit card, or if you update your payment information with CIP, CIP will charge the latest card provided by you. Please note, if you have ever been a Customer and received a risk free trial, CIP may refuse to give you another risk free trial offer. Returning Customers will be billed the membership fee immediately upon renewal. During your trial period, you are eligible for one report and/or score as dictated by your specific membership terms.

Credit Monitoring Membership Where No Trial Period Applies: The monthly/annual fee for a credit monitoring membership will be billed immediately to the credit card or other billing source authorized by you. If an introductory rate applies, the monthly/annual fee for a credit monitoring membership will be billed immediately at the applicable introductory rate, and for each successive membership term, you will be billed at the applicable published standard rate as described on the Website and/or in the Service literature provided when you enroll.

Credit Monitoring Membership for a Pre-Defined Term: If you have agreed to a promotional offer for credit monitoring for a pre-defined term, your credit card or other authorized billing source will be billed the promotional membership fee immediately. Your credit monitoring membership will continue for the pre-defined term and membership benefits will expire at the end of this term. If you choose to cancel your monitoring membership during the pre-defined term, you will not be entitled to a refund, prorated or otherwise of the promotional membership fee.

Credit Monitoring in Unpaid Services (Applicable only if free Single-Bureau Monitoring is available in your Service) When you establish an account with CIP, we may request you to verify your identity prior to releasing certain information from your credit files. If you fail authentication, you understand and agree that we may suspend credit monitoring services, however, your account will remain active unless you expressly inform us otherwise.

IDENTITY ALERTS AND INTERNET SURVEILLANCE SCANS – TERMS AND CONDITIONS

Disclaimer. Because the Internet is vast, CIP, and its service provider, CSID, cannot guarantee that Identity Alerts (if available in your Service), including any internet surveillance scans and reports, will detect all possible instances of identity theft and/or potentially fraudulent, or otherwise improper, use of your information. Certain information contained in Identity Alerts may be obtained from criminal activities monitored on the Internet. Because of the dynamic nature of this data, the exchange platforms, and the fact that it may have been obtained from criminals, among other considerations, CIP and CSID cannot guarantee the accuracy or completeness of the Identity Alerts provided. Please understand that the third party databases monitored to enable Identity Alerts are subject to change.

Accuracy of Your Personal Information. As a condition for using and receiving Identity Alerts, you acknowledge and agree that you will keep any personal information required to enable the applicable Identity Alert accurate and current, including without limitation, your name, address, date of birth, e-mail address, telephone number, social security number, driver's license number, and financial account numbers (e.g. credit or debit card numbers, if applicable).

One-Time Dark Web Internet Surveillance Scan and Report (Applicable only if made available in your Service). Your Service may offer access to a one-time internet surveillance scan and report to identify activity associated with your identity. You acknowledge that CIP, and its service provider, CSID, may use your personal information to the extent necessary to perform a scan of applicable websites and database, and provide you with an opportunity to view the results of such scan. Please understand that this feature may not be available in your Service.

FAMILY PLANS - TERMS AND CONDITIONS

No Automatic Downgrade (Removal of All Adults and Children): If you, as the primary account holder for a family plan, remove all enrolled adults and/or children from your family plan, please understand that (i) you will continue to be enrolled in your family plan, and billed at the current rate, until you take action to update your membership, such as downgrading to an individual plan; and (ii) you will continue to enjoy the opportunity to enroll adults and/or children, as made available in your family plan.

Child Monitoring Alerts Only Visible to Primary Account Holder: Alerts for enrolled children will be made available only to the primary account holder, subject to the Child Monitoring terms provided below, even if an enrolled adult is a parent or legal guardian of such child. No Ability to View Membership Details of Other Adult Members: You, as the primary account holder, will not be able to view or receive any credit information, identity alerts, or dark web reports, among other membership details, of adults enrolled in a family membership.

RISK FREE TRIAL

(Applicable only if a Risk Free Trial is offered for your Service)

Terms of Risk Free Trial for Monthly-Billed Memberships. For monthly billed memberships with a Risk Free Trial, if you cancel within the time period of your Risk Free Trial (as detailed in the offer for your Service, and defined here as the "Risk Free Trial Monthly Term"), you will receive a full refund of the amount you paid. However, if you cancel your membership after the Risk Free Trial Term, you will not be eligible for a full or prorated refund of your current month's paid membership fee. Terms of Risk Free Trial for Annual-Billed Memberships. For annual billed memberships with a Risk Free Trial, cancellations taking place within your first thirty (30) days of membership, or within the first thirty (30) days after your annual membership renewal (or otherwise as detailed in the offer for your Service), are eligible for a full refund of that year's paid membership fee. All cancellations taking place more than 30 days after you make any annual membership fee payment are not eligible for a full or prorated refund of that year's paid membership fee.

SUBSCRIPTION BILLING MANGEMENT - TERMS AND CONDITIONS

(Applicable only where upgrades and downgrades between Services are offered)

Upgrades and Downgrades Between Services. If you accept an offer to upgrade your paid Service, you will have immediate access to the paid Service and your next subscription date will be at the higher upgraded pricing. If you decide to downgrade your paid service, your current service will continue to your next billing date at which time you will be moved to the downgraded program and your subscription will bill at the lower price point

CHILD MONITORING AND/OR CHILDSECURE® - TERMS AND CONDITIONS

Scope of Services. If made available in your Service, the Child Monitoring that will be performed is different than monitoring for persons over the age of eighteen (18). Please reference details provided at the time of enrollment for more information on the type and scope of Child Monitoring offered as part of your Service.

Certification as Parent or Guardian. A "Child" is defined as a minor under the age of eighteen (18). We will provide information about a Child only to the Child's parent or legal guardian. You certify that you are the parent or legal guardian of each child whom you have named on the Child Monitoring enrollment forms and that you understand and agree that enrollment may require CIP and/or its service provider, CSID, to obtain information about those children from a credit reporting company, if applicable, and that any information about those children that you obtain from CIP and/or its service provider, CSID, will be used solely for the purpose of protecting against or preventing actual or potential fraud with respect the children whom you are enrolling or have enrolled in Child Monitoring.

Proof of Guardianship. CIP and/or its service provider, CSID, may require, at their sole discretion, the parent or legal guardian to prove guardianship in order for the parent or legal guardian to receive the details on a Child's monitored information or request fraud resolution, which may include, but is not limited to, the Child's Social Security card and birth certificate, valid proof of identification, proof of residence, and/or a similar federal or court produced document demonstrating such relationship.

Automatic Unenrollment Prior to 18th Birthday. An enrollee in the Child Monitoring service is no longer considered a Child when the enrollee reaches his or her eighteenth (18) birthday and CIP and/or its service provider, CSID, reserve the right to automatically unenroll any Child enrolled in Child Monitoring within seven (7) days before their eighteen birthday, based on the date of birth information provided by you in the enrollment process. After that time period, you will not receive monitoring of any sort regarding that Child.

One-Time Child Identity Scan and Report (Applicable only if made available in your Service). Your Service may offer access to a one-time scan and report to determine if an Experian credit report exists for your Child. You acknowledge that CIP, and its service provider, CSID, may use information provided by you about your Child (including your Child's social security number), as your Child's parent or legal guardian, to the extent necessary to perform a scan of applicable Experian databases and provide you with an opportunity to view the results of such scan. Any information you obtain about your Child from CIP and/or its service provider, CSID, will be used solely for the purposes of protection against or preventing actual or potential fraud with respect to your Child. Please understand that this feature requires establishing an account with CIP and may not be available in your Service. Proof of guardianship, as provided above, may be required by CIP and/or its service provider, CSID, in their sole discretion before the results of the one-time child identity scan may be provided to you.

TRANSACTIONAL CREDIT REPORTS AND CREDIT SCORES – TERMS AND CONDITIONS

(Applicable for the following Services such as: Vantage Score)

When you use any Service or Website to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following:

 • You may access your credit report and/or score the on the date of delivery. Credit reports and/or scores may not be available for access after initial delivery date. You may choose to purchase a new credit report and/or score or wait until your next free refresh.
 • Refunds will not be issued once we have delivered any report(s) included in the requested Service to you. Refunds will not be issued in the event a score is not available for you unless you cancel within the term of a Risk Free Trial
 • If you have questions regarding your credit report or would like to dispute information, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report.
 • For online customers, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing your credit report and/or credit score online, your session will conclude and you will be logged out for your protection.

DISCLAIMERS: You acknowledge that the information provided to you through the Vantage Score, including the score factors derived from the elements in your credit report, may change over time as your credit report changes. You also acknowledge that the score factor information on how to monitor your credit position assumes there will be no adverse changes in your credit performance. CIP is not responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report and/or score products. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.

IF A FRAUD RESOLUTION SERVICE IS AVAILABLE TO YOU AS A PART OF A SERVICE YOU ARE USING OR PURCHASED, THE FOLLOWING TERMS AND CONDITIONS SHALL APPLY TO YOUR USE OF OUR ASSISTANCE

Obtaining Assistance: There are certain steps that you MUST FOLLOW in order to obtain assistance from a fraud resolution representative ("Assistance"). These steps include contacting a Customer Care Representative by calling 1-855-962-6943.

If you are a victim of Identity Theft (as defined below), which is defined for the purposes of this section as the act of knowingly transferring or using, without lawful authority, a means of identification with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of federal law or a felony under applicable state or local law ("Identity Theft"), and you incur problems or suffer damages, you may call the number listed on this Website, or call 1-855-962-6943 and make a request for Assistance. Upon acceptance of your request, an CIP fraud resolution representative will contact you. If you contact CIP regarding fraud resolution, you are agreeing to permit CIP to order a copy of your credit report for any purpose relating to your request for Assistance.

If you are requesting Assistance regarding an enrolled child, you will be required to re-certify your status as parent or guardian, and provide documents requested by CIP to verify your status as parent or guardian, including, but not limited to, the child's Social Security card and birth certificate, valid proof of your identification, and proof of your residence.

DISCLAIMERS: THE FRAUD RESOLUTION BENEFIT (INCLUDING ANY ASSISTANCE) IS DESIGNED TO HELP YOU PROTECT YOURSELF FROM IDENTITY THEFT VULNERABILITIES. THE SERVICE IS PROVIDED IN ADDITION TO ANY PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. CIP'S FRAUD RESOLUTION ASSISTANCE DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE. CIP DOES NOT GUARANTEE THE ACCURACY OF LIEN, JUDGMENT, INVESTMENT, OR CRIMINAL SEARCHES IT MAY PERFORM ON YOUR BEHALF.



Reservation of Rights: CIP (including, for the purposes of this section, its agents, independent contractors, assigns or other expressly authorized third party) reserves the right to make an independent investigation of the facts and circumstances related to any Assistance request, including making contact by telephone, email, US Postal Service or otherwise, any service provider or related party it deems necessary, at its sole and absolute discretion and expense, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your Assistance request.

CIP reserves the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your Assistance request, including a signed affidavit, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, CIP reserves the right to refuse any Assistance request or provide any Assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to the Identity Theft.

CIP reserves the right not to provide you with any Assistance or discontinue your membership in the event CIP determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to the membership. If at any time you cancel your membership, CIP is no longer obligated to provide any fraud resolution assistance.

IF ANY IDENTIY RESTORATION SERVICE IS AVAILABLE TO YOU AS A PART OF A SERVICE YOU ARE USING OR PURCHASED, THE FOLLOWING TERMS AND CONDITIONS SHALL APPLY TO YOUR USE OF OUR ASSISTANCE

Identity Restoration. There are certain steps that you must follow in order to receive the Service and obtain assistance from an Identity Restoration agent. These steps include contacting Customer Care at the phone number stated on your notification materials. Please note that you may be asked to provide a limited power of attorney to facilitate any Identity Restoration related work on your behalf, including without limitation, if applicable, investigating alerts and disputing fraudulent events.

If you contact us regarding identity restoration, you are agreeing to permit CIP to order a copy of your credit report for any purpose relating to your request for assistance, if applicable. "Identity Theft" means that your name, address, Social Security number, credit card, debit card or other personal identifying information was lost, stolen or was used without your knowledge or approval to commit fraud or other crimes.

THE IDENTITY RESTORATION FEATURE IS DESIGNED TO HELP YOU IN CONNECTION WITH RESOLUTION OF AN IDENTITY THEFT. THIS PRODUCT IS PROVIDED TO ASSIST WITH RESOLUTION AND IS SEPARATE FROM ANY AND ALL PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. CIP'S IDENTITY RESTORAITON DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE AGAINST IDENTITY THEFT AND/OR THE CONSEQUENCES OF IDENTITY THEFT.

CIP, including its agents, independent contractors, assigns or other expressly authorized third party, reserves the right to make an independent investigation of the facts and circumstances related to any identity restoration request, including making contact by telephone, email, United States Postal Service or otherwise, to any service provider or any other person or entity that CIP deems necessary, in its sole and absolute discretion, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your identity restoration assistance request.

CIP reserves the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your identity restoration request, including signed affidavits, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, CIP reserves the right to refuse any identity restoration request or provide any identity restoration assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to a possible Identity Theft, including without limitation, a limited power of attorney.

CIP reserves the right not to provide you with any identity restoration assistance in the event CIP determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to your membership. If at any time you cancel your membership, CIP is no longer obligated to provide any identity restoration assistance.

If, at any time (including after beginning identity restoration assistance), you choose to discontinue using the Service, you may contact us at any time to cancel CIP's provision of or your receipt of any further assistance. You may contact us by calling the phone number stated on your notification materials.

MISCELLANEOUS

This Agreement (including the Privacy Policy, , other policies CIP may post from time to time and any terms which are incorporated by reference herein or hereinafter implemented) constitute the entire Agreement between CIP and you in connection with your account with CIP, or access or use of any Service or Website, and supersede any prior versions of the terms and conditions, if applicable. CIP may update these terms and conditions from time to time. No waiver of any breach of any provision of this Agreement will constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions. This Agreement is effective until terminated by CIP. In the event of termination or the expiration of your account with CIP or your use of the Services or Websites, the Dispute Resolution by Binding Arbitration, Intellectual Property, Disclaimers, and Limitations of Liability provisions set forth in these terms and conditions, as well as any other terms and conditions that, by their nature, should survive termination, shall survive. In the event of a conflict between this Agreement, or any other notice, policy, disclaimer or other term contained in the Websites or otherwise, this Agreement will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect. CIP may, in its sole discretion and at any time, change its corporate name, logo, Marks and other terms, phrases, graphics, logos, and icons associated with its common law or registered trademarks, service marks, and/or trade dress (collectively, CIP's "Brand"), which will not impact the enforceability of this Agreement. In the event CIP takes any action to change its Brand, CIP will notify you online, via e-mail, mail or through another means reasonably calculated to give you notice of the change in Brand. In all events, any changes to CIP's Brand will be effective immediately, and the terms of this Agreement shall remain unaffected by the change in Brand unless expressly contemplated through express revisions to this Agreement.

Источник: https://www.yourcreditcardinfo.com/

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