Terms of service

1. Agreement

These Terms of Service (the “Terms”) are a binding agreement between you and CrediQ Inc, a Wyoming corporation doing business as Instacredit.us. They govern your use of the website at instacredit.us, the Instacredit application and every feature, content and communication we provide through them (together, the “Service”). By creating an account or using the Service you accept these Terms and our Privacy Policy, which is part of this agreement. If you do not agree, do not use the Service.

2. The Service

Instacredit provides consumers in the United States with access to their own credit scores and credit reports, monitoring of their credit files, alerts when those files change, tools that explain and simulate changes to a credit score, and, if you choose it, offers from our partners matched to your credit profile. Credit data is obtained from nationwide consumer reporting agencies through our credit data provider and is displayed to you inside the Service.

The Service is for your personal, non-commercial use. It is a tool for understanding your own credit. It is not a substitute for the free annual credit reports available to you by law, described in our Disclosures.

3. Eligibility

You may use the Service only if you are at least 18 years old, reside in the United States, have a Social Security number, and are able to form a binding contract. You may access only your own credit information. Accessing, or attempting to access, another person’s credit information through the Service is a breach of these Terms and may be a crime.

4. Your authorization to obtain your credit information

To provide the Service we must obtain your credit reports and scores. When you provide your identity details and continue, you give Instacredit and its credit data provider your written instructions, under the federal Fair Credit Reporting Act, to obtain your consumer credit report and related information from one or more consumer reporting agencies, and to do so again periodically and whenever you use a feature that requires it, for as long as your account is active. These requests are “soft” inquiries: they are visible only to you and do not affect your credit score.

Before your credit file is released you must confirm your identity by answering questions posed by the consumer reporting agency or by another method it requires. We cannot show you credit information until this check succeeds, and we do not decide its outcome.

5. Your account and your information

You agree to provide accurate, current and complete information when you register and to keep it that way in your account settings. The consumer reporting agencies locate your file using the details you give us; details that do not match your credit file will prevent the Service from working.

You are responsible for keeping your password confidential and for everything that happens under your account. Tell us at [email protected] at once if you believe your account has been accessed without your permission.

6. Free trial, subscription and payment

Free trial

A new account receives a 30-day free trial of the subscription. A valid payment card is required to start the trial. Your trial end date is shown in your account settings and on your dashboard. Unless you cancel before the trial ends, your subscription begins automatically when it ends and the card on file is charged. One free trial is available per person.

Subscription

The subscription costs $19.99 per month, plus any applicable taxes, charged in advance on a recurring monthly basis to the payment card on file until you cancel. Your renewal date is shown in your account settings. Certain features, including partner offers (Section 8), are available only on a paid subscription. You may choose to end your free trial early and start your paid subscription at once; if you do, the first month is charged that day and your renewal date is set from it.

One-time purchases

Some features are sold separately for a one-time fee stated at the time of purchase, such as an on-demand refresh of your credit reports outside the monthly cycle. The fee is charged when you place the order, and the order is placed with the consumer reporting agencies at once.

Cancellation

You may cancel your subscription at any time from your account settings, with no cancellation fee. If you cancel during the free trial you will not be charged. If you cancel after the subscription has begun, the cancellation takes effect at the end of the current billing period, you keep access until then, and no further charges are made.

Refunds

Subscription fees are not refundable for partial billing periods, and one-time fees are not refundable once the order has been placed, except where the law requires a refund or where we choose to give one. If a one-time order cannot be fulfilled, we will fulfil it by other means or refund it.

Failed payments

If a payment fails, we will attempt it again over the following days and notify you at your account email. Access continues during that time. If the payment cannot be collected, your subscription ends and your access to credit data stops until payment is made. You are responsible for keeping a valid payment method on file.

Price changes

We may change the subscription price. We will give you at least 30 days’ notice by email before a price change takes effect for you, and you may cancel before then. Continuing to use the Service after the change takes effect means you accept the new price.

Payment processing

Payments are processed by Stripe, Inc. We do not store your full card number. By providing a payment method you authorize us and Stripe to charge it for the amounts described in these Terms.

7. Credit information: what to expect

Credit reports, scores, alerts and the tools built on them are provided by consumer reporting agencies and by our credit data provider. We display this information; we do not create it, and we cannot change it. It may contain errors, may be incomplete, and may be delayed. Scores shown are educational scores; the score a lender uses to make a decision may be different, and no score we show is a promise of any credit outcome.

If you believe information on your credit report is inaccurate, you have the right to dispute it directly with the consumer reporting agency at no cost. We can show you what is on your report; we cannot dispute or remove it for you.

Some credit information is subject to the terms of the consumer reporting agency that provides it. In particular, report contents are displayed only inside the Service and may not be extracted, scraped or reproduced from it by automated means.

8. Partner offers

The Service may include an optional feature that shows you loan, credit card or other financial products offered by companies we partner with (“Offers”). Offers are never shown unless you first, on a paid subscription, read and accept a separate written authorization inside your dashboard and submit a request. Under that authorization, our credit data provider obtains your credit report and applies criteria set by the partners to determine which Offers to show you. This is a soft inquiry and does not affect your credit score. Your subscription includes a fixed number of Offer requests each month, stated in the Service.

Instacredit is not a lender, card issuer or broker. An Offer is an invitation from the partner, not a commitment to lend, and does not guarantee that you will be approved or on what terms. If you choose to proceed with an Offer you leave the Service and deal with the partner under the partner’s own terms and privacy policy, which govern anything you provide to them. We are not responsible for a partner’s products, decisions or conduct.

We may receive compensation from a partner when an Offer is shown, clicked or taken up. This compensation may affect which Offers appear and in what order. It does not affect the price you pay us or the information shown elsewhere in the Service.

You may withdraw your authorization at any time in your account settings. After withdrawal no further Offer requests are made.

9. Not credit repair, not advice

Instacredit is not a credit repair organization as defined by the federal Credit Repair Organizations Act or any state law, and does not offer to improve your credit record, history or rating, or to remove accurate information from it. Nothing in the Service is legal, financial, tax or credit counselling advice. Simulations, next-step suggestions and educational content describe what generally affects credit scores; your results depend on your own circumstances and on the scoring model a lender uses.

10. Acceptable use

You agree not to:

• use the Service for any commercial purpose, or on behalf of anyone but yourself;
• attempt to obtain credit information about any other person;
• provide information that is false, or that belongs to someone else;
• access the Service by automated means, scrape or copy credit data from it, or interfere with its operation or security;
• circumvent any limit, paywall or control in the Service;
• use the Service in breach of any law.

11. Electronic communications

You agree that we may provide notices, alerts, receipts, renewal and trial reminders, and all other communications about the Service electronically, by email to the address on your account or by posting them inside the Service, and that electronic communications satisfy any legal requirement that a communication be in writing. Keep your email address current. You may withdraw this consent by closing your account, since the Service cannot be provided without it.

12. Intellectual property

The Service, including its software, design, text and graphics, is owned by CrediQ Inc or its licensors and is protected by copyright, trademark and other laws. We grant you a limited, revocable, non-transferable licence to use the Service for its intended purpose under these Terms. Credit data shown in the Service is owned by the consumer reporting agency that supplies it. All rights not expressly granted are reserved.

13. Third-party services

The Service depends on third parties: consumer reporting agencies and our credit data provider for credit information, Stripe for payments, and providers of email and hosting. Their availability is outside our control, and features that depend on them may be interrupted. Where a third party imposes conditions on the use of its data or services, those conditions apply to your use of that part of the Service.

14. Closing your account

You may close your account at any time from your account settings. Closing your account cancels your subscription with immediate effect, ends our access to your credit files, and erases your Social Security number, date of birth and address from our systems as described in the Privacy Policy. Closing your account does not entitle you to a refund of fees already paid.

We may suspend or close your account, with notice where practicable, if you breach these Terms, if we are required to by law or by a consumer reporting agency, if we cannot verify your identity, or if we discontinue the Service. If we close your account for a reason other than your breach, we will refund any subscription fee paid for the period after closure.

15. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW, CREDIQ INC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE OR THE CREDIT INFORMATION SHOWN IN IT WILL BE ACCURATE, COMPLETE, CURRENT, UNINTERRUPTED OR ERROR-FREE. YOU USE THE SERVICE AT YOUR OWN RISK. NO CREDIT SCORE, SIMULATION OR SUGGESTION SHOWN IN THE SERVICE IS A GUARANTEE OF ANY RESULT.

16. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CREDIQ INC AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE AND ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by negligence.

17. Indemnification

You agree to defend, indemnify and hold harmless CrediQ Inc and its directors, officers, employees and agents from any claim, loss, liability, damage and expense, including reasonable legal fees, arising out of your breach of these Terms, your misuse of the Service, or your violation of any law or of the rights of any third party, including any attempt to access another person’s credit information.

18. Governing law and disputes

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules, and by applicable federal law.

Before starting any legal proceeding, you agree to write to us at [email protected] describing the dispute and to give us 30 days to resolve it with you informally. Most concerns can be settled this way.

Any dispute that is not resolved informally will be brought exclusively in the state courts sitting in Laramie County, Wyoming, or the United States District Court for the District of Wyoming, and you and we each consent to the personal jurisdiction of those courts and waive any objection to venue there. Either party may instead bring an individual claim in small claims court where the claim qualifies. To the extent permitted by law, any claim must be brought within one year after it arose.

19. Changes to the Service and these Terms

We may add, change or remove features of the Service. We may also change these Terms. If a change is material, we will notify you at least 30 days before it takes effect by email or by a notice inside the Service. The effective date at the top of this page shows when the current Terms took effect. Continuing to use the Service after a change takes effect means you accept the changed Terms; if you do not accept them, close your account before they take effect.

20. General

These Terms, the Privacy Policy and the Disclosures are the entire agreement between you and us about the Service and replace any earlier agreement. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor to our business. Nothing in these Terms creates a partnership, agency or employment relationship. Headings are for convenience only.

21. Contact

CrediQ Inc, a Wyoming corporation doing business as Instacredit.us. Questions about these Terms, notices and disputes: [email protected].