I. INTRODUCTION

These Terms of Use govern your use of and access to VantageScore’s websites, https://www.vantagescore.com, https://vs4plus.vantagescore.com, http://vs5.vantagescore.com, http://crc-portal.vantagescore.com and https://www.reasoncode.org, online tools and services, and all other online content which is owned and controlled by VantageScore Solutions LLC (“VantageScore”) (collectively “the Services”). By accessing and using our website, you agree to comply with and be bound by the following Terms of Use. If you do not agree with these Terms of Use, you should immediately cease use of this website and its Services.

This website presents information and content that is owned or licensed by VantageScore. When used in these Terms of Use, “we” and “our” mean VantageScore, its members, and employees, and “you” and your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.

VantageScore reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time. By continuing to access and use this website and its Services, you agree to accept these changes.

II. YOUR USE OF OUR SERVICES

1.  Do Not Rely on This Website for Any Advice

The Services on this website are for information and education purposes only. Although VantageScore may provide data, information, and content relating to consumer credit, you should not construe any such information or other content available through the Services as financial, legal, or tax advice. You alone shall bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold VantageScore, its members, nor (to the extent applicable) its third-party content providers liable for any claim for damages arising from any decision you make based on information made available to you through this Site. By providing links or access to other websites, neither VantageScore nor any of its members are endorsing services provided by any website’s sponsoring organization.

2.  Your Submissions & Contributions

By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (“Submissions”), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

We also may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to use or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, “Contributions”). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with our Privacy Policy. When you create or make any Contributions, you represent and warrant that:

• The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying, of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
• You are the creator and owner or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Terms of Use.
• You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the names or likeness of each identifiable individual person to enable and use your Contributions in any manner contemplated by the Services and these Terms of Use.
• Your Contributions are not false, inaccurate, or misleading.
• Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
• Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous slanderous, or otherwise objectionable (as determined by us).
• Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
• Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
• Your Contributions do not violate any applicable law, regulation, or rule.
• Your Contributions do not violate the privacy or publicity rights of any third party.
• Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
• Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or disability.
• Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation.

Any use of the Services in violation of the above violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Services.

3.  Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial purpose except those that are specifically endorsed or approved by us in writing.

In addition, as a user of the Services, unless you have obtained VantageScore’s prior written permission, you also agree not to:

• systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without permission from us.
• trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as passwords.
• circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
• disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• use any information obtained from the Services in order to harass, abuse, or harm another person.
• make improper use of our support services or submit false reports of abuse or misconduct.
• use the Services in a manner inconsistent with any applicable laws or regulations.
• engage in any unauthorized framing or linking to the Services.
• upload or transmit (or attempt to upload or transmit) viruses, Trojan horses or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text) that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
• engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
• delete the copyright or other proprietary rights notice from any Content.
• attempt to impersonate another user or person or use the username of another user.
• upload or transmit (or attempt to upload or transmit) any material that acts as a passive or action information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1x1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as a “spyware” or “passive collection mechanisms” or “pcms”).
• interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services to you.
• copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
• except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up part of the Services.
• except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
• use a buying agent or purchasing agent to make purchases on the Services.
• make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
• use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
• use the Services to advertise or offer to sell goods and services.
• sell or otherwise transfer your profile.

Engaging in any of these prohibited uses may result in civil, criminal, and/or administrative penalties, fines, or sanctions against you or those assisting you. Except for the limited use rights expressly provided in this paragraph, all rights in the Services and Content are reserved.

III. PRIVACY NOTICE

Please review our Privacy Notice that describes how we handle personal information that we collect through this website, its Services, software applications made available by us for use on or through computers, mobile devices, or social medial pages. You agree that when using the Services and relevant VantageScore products and services, the terms of our Privacy Notice apply to how we handle your personal information, including but not limited to, cookies and other similar technology that we may use to collect information about your use of the Services and your preferences.

IV. OUR INTELLECTUAL PROPERTY

1.  Copyright and Trademark Information

The information contained at this Site, including but not limited to text and images contained herein—except certain images and information licensed from third parties, and their arrangement, are copyright ©2024 by VantageScore Solutions, LLC. All rights reserved.

VantageScore and its logo are trademarks of VantageScore. All other trademarks are property of VantageScore unless otherwise designated or clearly implied as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) or proprietary rights of VantageScore or any third party.

This website, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information on this website are the copyright or trademark of this parties and any use is subject to the terms of such third parties. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship or recommendation by VantageScore.

Any breach of these Intellectual Property Rights will constitute a material breach of our Terms of Use and your right to use our Service will terminate immediately.

2.  Limited License, Site Access, & Downloading Files

Subject to your compliance with these Terms of Use, including the “Prohibited Activities” section above, we grant you a limited, non-exclusive, non-transferable, and revocable license to view, bookmark, download, and print the pages within this website including the documents, graphics, information, and media contained herein:

• access and make use of the Services; and
• download or print a copy of any portion of the Services to which you have properly gained access solely for your personal, non-commercial use only, or for your internal business purposes if you are a VantageScore authorized entity.

If you download Content or Services from our website, whether for your personal, noncommercial use or as a VantageScore authorized entity, you understand and agree that:

• VantageScore does not transfer tile to the Content or Services to you;
• Except as provided elsewhere in this agreement, you own the medium on which the Files are recorded, but VantageScore and its licensors retain full and complete title in and to the Content and Services, including all intellectual property rights therein;
• You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Services to any other form whatsoever; and
• You may not use the Services directly or indirectly on a time-sharing, remote-job-entry, or service-bureau basis for the benefit of any third party.

Except as set out in this section or elsewhere in our Terms of Use, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever without our express written permission.

If you wish to make use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Terms of Use, please address your request to: info@VantageScore.com. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, or Marks, you must comply with the VantageScore trademark policy and brand guidelines published at https://www.vantagescore.com/about/press/. 

V. LIMITATION OF LIABILITIES AND WARRANTIES; DISCLAIMERS; INDEMNITY

1. Limitation of Liabilities and Warranties; Disclaimers

You understand and agree that neither VantageScore nor VantageScore’s members, representatives, agents, suppliers, third-party content providers, or licensors shall be liable for any punitive, direct, indirect, incidental, special, consequential, or exemplary damages whatsoever, including but not limited to loss of profits, revenue, income, goodwill, use, data, or other intangible losses (even if VantageScore or any such third party has been advised of the possibility of such damages), without regard to the form of any action, including but not limited to contract and tort actions (including libel), arising out of or in connection (by way of example only):

• The use, copying or display, or the interaction or any other form of communication with, this Site, its Services, and the information contained at this website (including via computer viruses or any other form of software);
• Statements or conduct of any third party on this website; or
• Any other matter relating to this Site.

You also understand and agree that your use of this Site is provided on an “As Is” and “As Available” basis.  To the full extent permitted under applicable law, VantageScore, including but not limited to VantageScore’s members, suppliers, third-party content providers, and licensors, expressly disclaims all warranties of any kind with respect to this Site and any products or services available through this Site, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. VantageScore, including but not limited to VantageScore’s members, representatives, agents, suppliers, third-party content providers and licensors, make no warranty that:

• The Site will meet your requirements;
• This Site and its Services will be uninterrupted, timely, secure, or free of viruses, errors, worms, date bombs, time bombs, or other harmful components;
• The results that may be obtained from the use of this Site will be accurate or reliable;
• Any errors on this Site will be corrected; or
• The data and materials presented or displayed on this Site are correct, accurate, current, or reliable.

Any content or data downloaded or otherwise obtained through the use of this Site is done at your own discretion and risk. You will be solely responsible for any damages to your computer system or loss of data that results from download of any such content.

2. Indemnity

You agree to indemnify, defend, and hold harmless VantageScore, its members, representatives, agents, suppliers, third-party content providers, and licensors from and against any and all claims, liabilities, damages, losses, or expenses, including attorney’s fees and costs, arising out of or in any way connected with your access to or use of this Site and its Services.

VI. LINKS TO THIRD-PARTY WEBSITES

This Site may include links to other third-party websites and resources enabling you to leave the Site in order to access them or may incorporate materials or information from other third-party Sites. Unless otherwise expressly provided by VantageScore, such third-party websites listed as links in this Site and its Services are not under the control of VantageScore, but rather are exclusively controlled by third parties. Accordingly, VantageScore makes no representations whatsoever concerning such websites.

Although VantageScore may provide a link to a third party, such a link is not an authorization, endorsement, sponsorship or affiliation by VantageScore with respect to such website, its owners or its providers. VantageScore is providing these links only as convenience to you. VantageScore has not tested any information, products or software found on such websites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure whatever you select is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

In no event will VantageScore be liable to any party for any direct, special or other consequential damages for the availability or any use of any hyperlinked website, including, without limitation, any lost profits, business interruption, loss or programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

VII. GOVERNING LAW AND JURISDICTION

By visiting this Site, you agree that the laws of the State of Delaware, United States of America, without regard to Delaware principles of conflict of laws, will govern these Terms of Use and any dispute regarding such terms or this Site that might arise between you and VantageScore. If you take legal action relating to these Terms of Use, you agree to file such action only in federal or state court in Wilmington, Delaware, and consent and submit to the exclusive personal jurisdiction of those courts for the purposes of litigating any such action.

VIII. RIGHT TO TERMINATE OR RESTRICT ACCESS

VantageScore reserves the right in its sole discretion to terminate or restrict your use of all or any part of this website, without notice, for any or no reason, and without any liability to you or anyone else. The Terms of Use relating to Your Submissions and Contributions, Limitation of Liabilities and Warranties, Disclaimers, Indemnity and Governing Law shall survive any termination.

IX. INTEGRATION AND SEVERABILITY

If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. The preceding Terms of Use of represent the entire agreement between VantageScore and you relating to the subject matter herein.

Questions? Please direct any questions regarding this Site, its Services, and/or these Terms of Use governing access to and use of this Site to info@VantageScore.com.