Contracts
- Array MSA
- Data Furnishing Addendum to MSA
- BuildCredit Servicing Terms Addendum to MSA
- Array Privacy Policy
- BuildCredit Website Terms of Use
- BuildCredit Loan Agreement
- BuildCredit Deposit Account Agreement
- Consent to use Electronic Signatures
- Optional Electronic Funds Transfer Authorization
- Privacy Protect Addendum to MSA
- Service Order Feature Descriptions
- Subscription Manager Addendum to MSA
- Payoff Letter
- Debt Manager Addendum to MSA
- MyCredit Manager Addendum
- Identity Protect Addendum
- BuildCredit Privacy Notice
- Array GLBA Privacy Notice
- Array Free-to-Plus Terms of Service
- Array+ MNDA
- Array Product Demonstration and Testing Terms of Service
Array MSA
Version 10.2
Effective November 7th 2024
DownloadSummary of changes
Table of Contents
- PLATFORM SERVICES.
- Platform Services. The Platform includes various tools and features that provide access to, integrated display of and delivery of certain consumer data (“Data”) in conjunction with and through Company and third party products and services (“Products”), subject to the terms provided herein and any applicable Product Addendum linked below (collectively the “Platform Services”).
- Order. The Platform Services and related Products offered and made available to Client shall be set forth in an applicable Order. If you use the Platform Services and such Products, you may be subject to additional terms and conditions applicable to such Products, if any, as set forth herein, in an Order, applicable Product Addendum, or as provided to you prior to the time of such use. Your execution of an Order or use or continued use of such Products after review of such additional terms shall constitute acceptance of such terms.
- Client. For purposes of this Agreement, “Client” means any individual, corporation, partnership, limited liability company, association, trust, unincorporated entity or other legal entity executing an Order or otherwise accessing or using the Platform, and its employees, representatives, consultants, contractors, partners, agents or Affiliates who are authorized by such Client to access and use the Platform, each of which whom shall agree to be bound by this Agreement.
- Client Customers. For purposes of this Agreement, “Client Customers” means any end user customers who access the Products or Platform Services through the Client Website.
- Client Website. For purposes of this Agreement, “Client Website” shall mean the website or websites listed on an applicable Order.
- Permitted Territory. For purposes of this Agreement, including any applicable Product Addendum, "Permitted Territory" shall mean the United States, Canada, and the United States territories of American Samoa, Guam, the Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands.
- License. Subject to Client's compliance with the terms and conditions of this Agreement, and as may be provided in an Order, the Company hereby grants Client, during the applicable term of an Order, the non-exclusive, limited, revocable, non-transferable, and non-sublicensable right and license to access and use the Platform in accordance with the terms and conditions set forth herein and in the applicable Order, and specifically: (i) to utilize and exploit the Platform solely to market and sell the Data and Products as set forth in an applicable Order; and (ii) to allow Client Customers or other end user consumers, members, customers and/or subscribers (collectively the “Subscribers”) to access, view and use the applicable Data and Products on or through the Platform. Except as provided herein, Client may not disclose to or provide any third party access to, use of, or rights in or to the Platform, except as third parties may access or use the Platform in relation to the Client’s ordinary course of business and then only for the sole benefit of Client. Except for the license granted hereunder, as between the parties, Company retains all right, title and interest in and to the Platform. Except as expressly set forth herein or otherwise agreed upon by the parties hereto, Company acknowledges and agrees that Client’s use of the Platform and Platform Services does not grant Company any right, title or interest in any information, content, or data obtained by Client from a source other than Company and used by Client in conjunction or association with the Platform Services and Company shall not make any claim of ownership or interest in any such information, content, or data.
- Restrictions. Except as otherwise explicitly provided herein or in an applicable Order, or as may be expressly permitted by Applicable Laws, Client will not, and will not permit or authorize any third party to: (i) modify, make derivative works of, disassemble, reverse compile and/or reverse engineer any part of the Platform, or reverse engineer, decompile, disassemble, extract, or otherwise derive or attempt to derive the source code of the Platform or any other compiled software provided or made available by Company hereunder; (ii) use or permit the use of, reproduce or otherwise duplicate, disclose, distribute, modify, encumber, time-share, license, sublicense, sell, distribute, assign, rent, lease, or transfer the Platform, any portion thereof, or any of Client’s rights thereto; (iii) frame and/or utilize framing techniques to enclose any trademark, logo, and/or other portion of the Platform (including images, text, page layout, and/or form); (iv) use any metatags and/or other “hidden text” using Company’s name and/or trademarks; (v) use and/or access the Platform in order to create any service, software, platform, documentation, or data that is competitive with, substantially similar, or confusingly similar to any aspect of the Platform; (vi) copy, reproduce, distribute, republish, download, display, post and/or transmit any part of the Platform in any form and/or by any means; (vii) remove, obliterate, or cancel from view any copyright, trademark, or other proprietary or confidentiality notice or legend appearing on or in the Platform or any materials provided or made available by Company hereunder, or fail to reproduce any such notice or legend on any copy made of any such materials; (viii) take any action that materially interrupts or interferes with, or that would reasonably be expected to materially interrupt or interfere with, the Platform, Company’s business operations or other customers’ use or enjoyment of the Platform or Platform Services; (ix) run any form of auto-responder and/or “spam” on or through the Platform or use the Platform to otherwise send “spam” to any third-party; (x) use the Platform in any unlawful way or for any unlawful purpose and/or to violate any Applicable Laws; (xi) circumvent or disable any security or technological features or measures of the Platform, (xii) use the Platform to access, store, distribute or transmit any viruses, worms, trojan horses, or other similar things or devices that may prevent, impair or otherwise negatively affect the operation of any software, hardware, network, program or data; (xiii) use the Platform to transmit any material that is unlawful, harmful, threatening, defamatory, obscene, infringing, harassing or racially or ethnically offensive, facilitates illegal activity or causes damage or injury to any person or property; (xiv) use any “open source” or “copyleft” software in a manner that would require Company to disclose the source code of the Platform to any third party or offer the Platform at no charge; (xv) use the Platform to conduct or forward illegal contests, pyramid schemes, chain letters, unsolicited or unauthorized advertising, or unsolicited email or multi-level marketing campaigns; and/or (xvi) access the Platform or Data for any purpose which is not authorized under this Agreement. Notwithstanding anything to the contrary herein, Company may, in its sole discretion, immediately revoke the grant of rights contemplated in Section 1.B if Client breaches the restrictions in this Section or creates other security or legal concerns.
- Systems. Client shall ensure that its network and systems comply with the relevant specifications provided by Company and shall provide Company with information as may be reasonably required by Company in order to render access to the Platform. Client is responsible for obtaining, maintaining, and supporting all internet access, computer hardware, and other equipment and services needed for it to access and/or use the Platform, other than as necessary for Company to host and provide the Platform. The Client will determine the access controls for the Subscribers and will be responsible for its activity on or through the Platform, whether or not authorized, including compliance with this Agreement. Client agrees to prevent unauthorized access to, and/or use of the Platform and notify Company immediately of any unauthorized use of Client’s account and/or any other known breach of security of or to the Platform in connection with Client’s access to or use thereof. Company will, to the extent permitted by law, and to the extent that Company reasonably deems it necessary, immediately notify Client after becoming aware of any breach of security relating to the Platform.
- Maintenance; Security. The Company will use its best efforts to provide standard maintenance for the Platform during the term of this Agreement, which will include enhancements, "bug fixes" and other modifications as may be identified by the Company. Company shall bear no obligation to run, provide or support legacy versions of the Platform. The Company may make additional modifications or releases to the Platform and the underlying source code as the Company may determine in its sole and absolute discretion. Notwithstanding the foregoing, to the extent any such modifications or releases are reasonably expected to reduce, inhibit, impair, or otherwise adversely affect the functionality or performance of the Platform, the Company will use commercially reasonable efforts to notify Client of such changes with as much notice as is reasonably practicable. The Company will, at all times, implement and maintain reasonable technical, administrative, physical, and organizational information security measures.
- Third Party Service Providers. The Platform and Platform Services may contain code, content, features, functionality, components and certain products and services (collectively the “Features”) that are provided by third-parties. In addition to this Agreement, any such third-party Features may be governed by additional terms and conditions provided by suppliers of said third-party Features which shall be set forth herein this Agreement, an applicable Order, Product Addendum, or as provided to you prior to the time of such use. Your execution of an Order or use or continued use of such Features after review of such additional terms shall constitute acceptance of such terms. Any Features shall be provided “AS IS” without warranty of any kind by Company. Company assumes no responsibility for, and specifically disclaims any liability or obligation with respect to, any Features.
- Suspension. Client is responsible for maintaining the security of its account and shall use commercially reasonable efforts to govern and control activities that occur with respect to its use of the Platform and by any Subscribers. Notwithstanding anything herein to the contrary, Company reserves the right, without liability to the Client, to disable or suspend the Client’s access to the Platform in the event (i) of any material breach of this Agreement; (ii) Client or its Subscribers use of the Platform (a) disrupts or poses a security risk to the Platform or any Company customer, (b) is reasonably believed it may harm Company’s systems, or the systems of any provider of any third-party services, or (c) may subject Company or any third-party to liability; (iii) Client or its Subscribers are using the Platform for fraudulent or illegal activities; (iv) Client’s use of the Platform materially violates any Applicable Laws, specifically including without limitation, the Telephone Consumer Protection Act and Fair Credit Reporting Act; or (v) Company’s continued provision of any of the Platform Services is prohibited by Applicable Laws or regulation. Company shall provide Client with reasonable notice and opportunity to cure any of the foregoing events, unless in Company’s reasonable discretion, Company determines that such notice and cure period would cause imminent harm to the Company, the Platform or any third party.
- Trials and Betas. If Client receives access to the Platform (or certain features of the Platform) on a free or trial basis or as an alpha, beta, or early access offering (“Trials and Betas”), unless otherwise specified in an Order, use is permitted for Client’s internal evaluation purposes only during the term specified in the Order (or if not specified, ninety (90) days). Trials and Betas are optional and either party may terminate Trials and Betas at any time for any reason. Trials and Betas may be inoperable, incomplete or include features that Company may never release, and their features and performance information, including the existence of such Trials and Betas, are Company’s Confidential Information subject to all the applicable protections and restrictions provided herein. Notwithstanding anything to the contrary herein, Company provides no warranty, indemnity, uptime guarantee or support for Trials and Betas and its liability for Trials and Betas will not exceed US$100.
- Subscriber Accounts. To the extent an Order specifies that Client may offer Trials and Betas to Subscribers, Client assumes all liability related to such Trials or Betas offering. For the avoidance of doubt, Client agrees to maintain compliance with Applicable Laws, including as specified in the applicable Product Addendum related to any such Trials and Betas offering to Subscribers. Further, in addition to Client’s indemnification obligations provided herein (Section 8.A.), Client agrees to indemnify, defend, and hold harmless Company, its affiliates and agents, and each of their respective members, directors, officers, and employees from and against all third-party Claims (as defined herein) related to the Trials and Betas.
- Platform Services. The Platform includes various tools and features that provide access to, integrated display of and delivery of certain consumer data (“Data”) in conjunction with and through Company and third party products and services (“Products”), subject to the terms provided herein and any applicable Product Addendum linked below (collectively the “Platform Services”).
- DATA AND INTEGRATED PRODUCTS.
- Data Providers. Client understands and agrees that the Data offered through the Platform and/or used in conjunction with the Products is collected and compiled from various third party data and service provider sources (each a “Data Provider”). As such, Data is not being provided by the Company and is solely hosted and/or provided by and through such Data Providers. You may be required to agree to additional terms and conditions that apply to and govern the use of certain Data (“Applicable Data Terms” from a Data Provider) and/or Products (“Applicable Product Terms” as provided in links to Product Addendums at the end of this Agreement), which shall be set forth within this Agreement, an applicable Order, or as provided to you prior to the time of such use. Your execution of an Order or use or continued use of such Data and/or Products shall constitute acceptance of such terms. Any Data or Products provided by third parties, including Data Providers shall be provided “AS IS” without warranty of any kind by Company. Company assumes no responsibility for, and specifically disclaims any liability or obligation with respect to, any third-party Data and Products.
- Privacy. Wherever Client collects personally identifiable information from its website users and/or Subscribers, which will be used in conjunction with the ordering of any Data through the Platform, Client agrees to clearly and conspicuously post a link to a Privacy Policy on each of its websites where it is collecting such information. Such privacy policy shall comply in all material respects with all Federal Trade Commission guidelines and any other laws, rules, and regulations with respect to personally identifiable information and online privacy and online privacy of minors, including all Applicable Laws, in each case, applicable to Client’s collection and use of personally identifiable information.
- Changes. Company shall have the right to modify or discontinue access to or delivery of any or all of the Data, if it believes in good faith that it cannot provide the Data without violating Applicable Laws or due to the requirements of any contract with a Data Provider. When and where possible, Company shall provide Client with reasonable notice prior to such modification or discontinuance and use reasonable efforts to provide substitute data.
- FEES; PAYMENTS.
- Fees.
- In consideration of the access to and use of the Platform, Products, and Platform Services, Client agrees to pay Company the fees, including training, deployment, consulting, and certain specified expenses, set forth in the applicable Order (“Fees”). All undisputed Fees, expenses and taxes due hereunder will be paid in U.S. dollars and shall be remitted to the Company within thirty (30) days of receipt of an invoice. Unless otherwise provided for herein, all Fees are non-cancellable and non-refundable. All Fees due and payable by Client to Company under this Agreement must be paid in full without any deduction, set-off, counterclaim or withholding of any kind unless required by law. If a Client fails to pay the full amount of the charges detailed in any invoice, then the undisputed and unpaid amounts of such invoice shall accrue interest at a rate of 1.5% per month or, if less, the maximum rate permitted by law and Client shall pay all associated collection costs, including without limitation any court and attorneys’ fees.
- Fees may be modified by Company at its sole discretion from time to time. Any change in Fees will apply no earlier than fifteen (15) days following written notice (the “Fee Change Notice”) to Client (the "Fee Change Effective Date"). If Client does not accept the terms of the Fee Change Notice, Client may terminate the applicable Order and cease use of the Platform and Products within fifteen (15) days of the Fee Change Effective Date, by providing written notice of the intent to terminate the applicable Order (the “Termination Notice”) and subject to the Termination Section 4.C. provisions provided herein.
- Payment. Client shall pay Company for the Fees due hereunder via check, wire transfer, ACH, or credit card. If Client elects to pay via credit card, Fees shall be charged to a credit card account designated by Client. Such credit card payment shall be subject to an additional charge not greater than 4.5% of the transaction value (referred to on the Client invoice as “Admin Fees” or a similar annotation), depending on the brand of credit card utilized by the Client. These Admin Fees shall be a pass-through expense to the Client and shall not be greater than the amount assessed to Company when administering the credit card payment.
- Taxes. Client shall be solely responsible for collecting all sales, use, or excise taxes, or any other similar taxes or fees assessed by any state or local authority (collectively, "Sales Taxes") due in connection with sales of the Data and Products to its Subscribers and remitting, when due, to the appropriate governmental authorities, all such Sales Taxes. Client shall indemnify, defend, and hold harmless the Company for any and all such Sales Taxes and any damages incurred by the Company in connection with Client's failure to properly collect and deliver to the appropriate government authorities on a timely basis all required Sales Taxes.
- Exemption. Client shall notify Company if Client is not required to collect and/or remit sales, use or excise tax due to Client being exempt as it relates to such products or services or because such products and services are not taxable in a state or states of operation. In such event, if sales, use or excise tax is then required on the sales transaction between Client and Company, Company shall bill Client and include sales, use or excise tax on an applicable invoice.
- Disputed Amounts. If Client disputes any charge or amount on any invoice or statement, and such dispute cannot be resolved promptly through good-faith discussions between the parties, Client shall pay the amounts due under this Agreement minus the disputed amount and the parties shall diligently proceed to resolve such disputed amount through arbitration, as set forth in Section 14, within forty-five (45) days from the date of the invoice. An amount will be considered disputed in good faith if: (i) Client delivers a written statement to Company (at billing-disputes@array.com) on or before the due date of the invoice, describing in detail the basis of the dispute and the amount of the dispute or amount being withheld by Client; (ii) such written statement represents that the amount in dispute has been determined in good faith; and (iii) all other amounts due from Client that are not in dispute have been paid in accordance with the terms of this Agreement.
- Access. Company may, without liability to Client, disable the password, account, and/or access to all or part of the Platform if any undisputed Fees are not paid when due under this Agreement or an applicable Order; provided however, that Company shall provide Client with fifteen (15) days prior notice to cure any non-payment of undisputed Fees. In the event the amounts due remain unpaid, the Company shall not be obligated to provide access to or use of the Platform until such undisputed Fees are paid in full.
- Subscriber Payment Processing. In the event that Client does not pay any undisputed Fees within thirty (30) days after written demand by Company, then in addition to any other rights granted to Company herein, including the termination rights as set forth in Section 4, Company and Client hereby agree that (i) Company shall have the right to collect applicable fees from all such Subscribers of Client via payment processor at Company’s discretion; (ii) upon Company’s assumption of processing payments from Client’s Subscribers, Client shall be prohibited from canceling, removing and/or transferring any Subscriber out of or away from the Platform except as requested by each Subscriber; (iii) Client shall only communicate with Subscribers as required by Applicable Laws; (iv) if Company, in its sole discretion, believes that Client has interfered or will imminently interfere with Company's ability to collect Subscriber payments, Company may transfer Subscribers to a domain of Company's choosing; and (v) Company shall promptly communicate such changes to the Subscriber as required by Applicable Laws, with no further notice required or due to Client. Client shall include in its Subscriber facing terms and conditions that the Subscriber account may be assigned or transferred at any time without notice, so long as there is not a material change to the products or services provided to Subscriber.
- Fees.
- TERM AND TERMINATION.
- Term. This Agreement shall commence on the Effective Date and shall continue as specified in the applicable Order (the "Initial Term"). Upon conclusion of the Initial Term, unless otherwise specified in an Order, the Order shall thereafter automatically renew for additional one (1) year terms (each a “Renewal Term”), unless either party delivers written notice at least thirty (30) days prior to the end of the Initial Term or a Renewal Term of such party's intent to terminate this Agreement (the Initial Term and all such Renewal Terms, collectively the “Term”). Fees charged under a Renewal Term shall be at the then current market rate, as determined by Company, unless otherwise specified in the applicable Order.
- Termination. Either party may terminate this Agreement immediately upon written notice to the other party: (i) if the other party files a petition for bankruptcy, becomes insolvent, or makes a general assignment for the benefit of its creditors, or a receiver is appointed for the other party or its business; (ii) if the other party breaches or fails to perform in any material respect any of its material obligations under this Agreement, which shall include Client's failure to deploy within a commercially reasonable time period once Company resources are assigned to Client deployment, and does not cure such breach or failure within seven (7) days after receipt of written notice of the breach or failure; or (iii) if a party has a reasonable belief that continuance of the delivery, receipt or use of the Platform Services will result in an imminent violation of an Applicable Law. Notwithstanding the foregoing, in the event that a change in Applicable Laws or Data Provider requirement results in Company no longer being able to offer the Platform or the Products in a commercially reasonable manner as determined by Company, Company shall have the right to terminate this Agreement without penalty upon thirty (30) days’ notice.
- Obligations After Termination. Upon termination, Client will: (i) stop all use of the Platform and the license granted in Section 1.B hereunder shall be terminated; and (ii) pay (a) all outstanding undisputed Fees, (b) Fees owed through the date of termination, or any period thereafter that the then current Subscribers continue to access and use the Platform or Products, and (c) a "Termination Fee" equivalent to any unpaid fixed Fees, including monthly minimum commitments, within the terminated Order(s) for the remainder of the applicable Term, in addition to any other Fees identified within an applicable Order.
- REPRESENTATIONS AND WARRANTIES.
- Applicable Law. Each party represents and warrants that it will comply with all local, state, federal, and international laws, rules and regulations, as applicable in performance of this Agreement, including, without limitation, Title VII of the Civil Rights Act of 1974, the Gramm-Leach Bliley Act, 15 U.S.C. §§6801-6809, the Telemarketing and Consumer Fraud and Abuse Prevention Act, 15 U.S.C. §§6101-6108, the Telemarketing Sales Rule Act, 16 C.F.R. pt. 310, the Fair Credit Reporting Act (U.S.C. §1681m(a)), the Federal Trade Commission Act, the Children’s Online Privacy Protection Act, the CAN-SPAM Act of 2003, the Telephone Consumer Protection Act (42 U.S.C. 227), provisions relating to the National Do Not Call Registry ((16. C.F.R. Part 310) and applicable state Do Not Call List requirements, the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act including but not limited to Section 1031 and 1036, 12 U.S.C §§5531, 5536, Section 5 of the FTC Act, the Drivers Privacy Protection Act 18 U.S.C. §§2721 (and related state laws), the Privacy Act of 1974, the Federal Communications Act, and any other applicable local, state, federal or international laws (collectively, “Applicable Laws”).
- Company Representations. Company represents, warrants, covenants and agrees that Company’s provision of the Data and Products via the Platform as contemplated by the parties in this Agreement does not violate either any third party contractual obligations or restrictions relating to the Company’s access or use of any such Data or Products, or any third party intellectual property or proprietary rights.
- Client Representations.
- Client represents and warrants that (a) it shall use the Data and related Products only for an intended and permissible purpose under this Agreement and/or an applicable Order; (b) it shall use and provide access to the Data and related Products only in accordance with Applicable Laws, Applicable Product Terms, and Applicable Data Terms, and when and where required, upon the written instructions and consent of the Subscribers to whom such Products relate; (c) as applicable, it shall request and use the Data strictly in accordance with the FCRA, understanding and acknowledging that THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18 OR IMPRISONED NOT MORE THAN TWO YEARS OR BOTH; and (d) it shall maintain commercially reasonable procedures designed to ensure that such Data and Products are not obtained by any unauthorized person and/or entity.
- Client represents, warrants, covenants and agrees that: (a) Client will avoid deceptive, misleading or unethical practices that are or would be reasonably expected to be detrimental to the Company or its Data Providers, or their respective business or reputation; (b) Client will make no intentionally false or misleading representations with regard to the Company or its Data Providers; (c) Client will not intentionally publish or employ, or cooperate in the publication or employment of, any misleading or deceptive advertising material with regard to the Company or any Products; and/or (d) other than to the extent permitted in this Agreement or an applicable Order, Client will not modify any Data or Products in any manner (other than their "look and feel").
- Client represents and warrants that: (a) it has implemented or contractually required industry-standard security measures to help protect the security and integrity of, and prevent, unauthorized access to the Data, Products, Platform, Platform Services or Company systems; (b) it will not disrupt, disable, erase, alter, harm, damage, interfere with or otherwise impair in any manner the Data, Products, Platform, Platform Services or Company systems; and (c) in the event of any security breach or unauthorized access to any Data, Products, Platform, Platform Services or Company systems, Client will immediately investigate such breach and immediately notify Company within three (3) hours, and, unless otherwise informed by Company, take all corrective action necessary to remedy such breach, and perform such remediation (with all consumer notifications and credit monitoring to be undertaken by Company), all at Client’s cost.
- Client represents and warrants that Client has, and will maintain, the lawful rights or licenses to use all trademarks, service marks, copyrights, and all other intellectual property rights necessary to conduct its business. Client also has the required licenses and/or usage rights to grant Company, and where applicable will grant to Company, the use of any intellectual property required to provide the services contracted for herein to Client. Client does not infringe any Intellectual Property rights of any third party.
- CONFIDENTIALITY; NON-DISCLOSURE.
- Confidential Information. "Confidential Information" means any non-public data, information and other materials regarding the products, software, services, customer list, or business of a party (and/or, if either party is bound to protect the confidentiality of any third party’s information, of a third party) provided by or on behalf of a party to the other party where such information is marked or otherwise communicated as being “proprietary” or “confidential” or the like, or where such information should, by its nature, be reasonably considered to be confidential and/or proprietary. Without limiting the foregoing, any software, performance data, benchmark results, and technical information relating thereto, pricing information and the terms and conditions of this Agreement (but not its existence) shall be deemed Confidential Information. The party disclosing Confidential Information shall be referred to herein as the “Disclosing Party” and the party receiving Confidential Information shall be referred to herein as the “Receiving Party.”
- Disclosure. Each party shall at all times keep and maintain the confidentiality of all Confidential Information and shall not use or reproduce Confidential Information except for the purposes provided herein and shall not disclose any Confidential Information to any third party (other than to its legal, accounting or other professional representatives on as needed basis, provided such party has an obligation to keep the same confidential). Each party shall inform its employees, marketers, agents and contractors of the nondisclosure requirements set forth in this Agreement and shall obtain their respective commitments to abide by such requirements. Each party hereto shall be responsible for the actions of any of its employees, marketer, agents, Affiliates or contractors that would constitute a violation of such party's rights under this section if such violation had been committed directly by such party. Notwithstanding the above, the Receiving Party may disclose certain Confidential Information of the Disclosing Party, without violating the obligations of this Agreement, to the extent the disclosure is required by a valid order of a court or other governmental body having jurisdiction, provided that to the extent not prohibited by Applicable Laws, the Receiving Party provides the Disclosing Party with reasonable prior written notice of such disclosure and at Disclosing Party’s expense, makes a reasonable effort to obtain, or to assist the Disclosing Party to obtain, a protective order preventing or limiting the disclosure and/or requiring that the Confidential Information so disclosed be used only for the purposes for which the law or regulation required, or for which the order was issued. Each party shall notify the other upon the discovery of any loss or unauthorized disclosure of the Confidential Information of the other party, promptly after such discovery, including a brief description of the Confidential Information disclosed.
- Exclusions. Confidential Information shall not include information that: (i) is or becomes generally known or available to the public at large other than as a result of a breach by the Receiving Party of any obligation to the Disclosing Party; (ii) was known to the Receiving Party free of any obligation of confidence prior to disclosure by the Disclosing Party; (iii) is disclosed to the Receiving Party on a non-confidential basis by a third-party who did not owe an obligation of confidence to the Disclosing Party and does not reasonably appear to have obtained the information improperly or from an unauthorized source; or (iv) is developed by the Receiving Party independently of and without reference to any part of the Confidential Information. Confidential Information shall not be deemed to be in the public domain or generally known or available to the public merely because any part of said information is embodied in general disclosures or because individual features, components or combinations thereof are now or become known to the public.
- DISCLAIMERS AND OTHER LIMITATIONS.
- No Warranty . EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT AND ANY APPLICABLE ORDER OR PRODUCT ADDENDUM, THE DATA, FEATURES, PRODUCTS, PLATFORM AND PLATFORM SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE COMPANY MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, INCLUDING, WITHOUT LIMITATION, THAT THE PLATFORM WILL OPERATE ERROR FREE, WITHOUT INTERRUPTION, WILL ACHIEVE ANY INTENDED RESULT, OR THAT THE DATA WILL BE COMPLETE, ACCURATE AND VALID, AND THE COMPANY EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES. COMPANY EXERCISES NO CONTROL OVER AND EXPRESSLY DISCLAIMS ANY LIABILITY ARISING OUT OF OR BASED UPON CLIENT’S USE OF THE PRODUCTS OR ANY DATA.
- Limited Liability. EXCEPT FOR CLAIMS RELATING TO INDEMNIFICATION PROVISIONS IN SECTION 8, OR CLAIMS FOR ATTORNEY’S FEES AND COSTS AWARDED TO A PARTY UNDER THE TERMS OF THIS AGREEMENT, IN NO EVENT WILL EITHER PARTY OR THEIR RESPECTIVE SERVICE AND DATA PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE AND/OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RESULTING FROM USE OR INTENDED USE OF THE PLATFORM OR PLATFORM SERVICES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EXCEPT FOR CLAIMS RELATING TO PLATFORM RESTRICTIONS IN SECTION 1.C, THE FEES IN SECTION 3.A, AND THE INDEMNIFICATION PROVISIONS IN SECTION 8, UNDER NO CIRCUMSTANCES WILL EITHER PARTY OR ITS SERVICE OR DATA PROVIDERS’ TOTAL AND CUMULATIVE LIABILITY FOR DAMAGES ARISING OUT OF AND/OR IN CONNECTION WITH THIS AGREEMENT REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT, OR OTHERWISE, EXCEED AN AMOUNT EQUAL TO THE AMOUNT THAT COMPANY HAS RECEIVED FROM OR ON BEHALF OF CLIENT DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE ACTION OR CLAIM. THIS LIMITATION OF LIABILITY IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN COMPANY AND CLIENT.
- INDEMNIFICATION.
- Client Indemnification. CLIENT SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS COMPANY, ITS AFFILIATES AND AGENTS, AND THEIR RESPECTIVE MEMBERS, DIRECTORS, OFFICERS AND EMPLOYEES, FROM AND AGAINST ALL THIRD PARTY CLAIMS, LOSSES, DAMAGES, COSTS (INCLUDING REASONABLE ATTORNEY'S FEES, COURT COSTS, AND COSTS ASSOCIATED WITH COMPANY RESPONDING TO A SUBPOENA), SUITS, JUDGMENTS, REGULATORY INQUIRIES, GOVERNMENT ORDER, EXPENSES AND DEMANDS (COLLECTIVELY, "CLAIMS") TO THE EXTENT ARISING OUT OF, FROM, OR RELATED TO (I) THE BREACH OF ANY REPRESENTATION, WARRANTY, COVENANT OR AGREEMENT HEREIN, (II) THE USE OF OR PROVISION OF THE PLATFORM, DATA OR PRODUCTS OTHER THAN IN ACCORDANCE WITH THIS AGREEMENT OR IN VIOLATION OF APPLICABLE LAW, (III) ANY GROSSLY NEGLIGENT ACT OR OMISSION OR WILLFUL MISCONDUCT IN CONNECTION WITH THE PERFORMANCE OR NON-PERFORMANCE OF ANY OBLIGATION UNDER THIS AGREEMENT, (IV) ANY USE OF THE PLATFORM OR PLATFORM SERVICES THAT INFRINGES UPON ANY PATENT, COPYRIGHT, OR TRADE SECRET OF A THIRD PARTY INTELLECTUAL PROPERTY, OR (V) ANY ACTS OF THE INDEMNIFYING PARTY OUTSIDE THE SCOPE OF THIS AGREEMENT. THESE INDEMNIFICATION OBLIGATIONS SHALL SURVIVE THE TERMINATION OF THE APPLICABLE ORDER.
- Company Indemnification. COMPANY SHALL INDEMNIFY, DEFEND AND HOLD HARMLESS CLIENT, ITS AFFILIATES AND AGENTS, AND THEIR RESPECTIVE MEMBERS, DIRECTORS, OFFICERS, AND EMPLOYEES, FROM AND AGAINST ALL CLAIMS TO THE EXTENT ARISING OUT OF, FROM, OR RELATED TO ANY USE OF THE PLATFORM OR PLATFORM SERVICES THAT INFRINGES UPON ANY PATENT, COPYRIGHT, OR TRADE SECRET OF A THIRD PARTY’S INTELLECTUAL PROPERTY (COLLECTIVELY, “IP CLAIMS”). HOWEVER, COMPANY SHALL HAVE NO LIABILITY OR OBLIGATION HEREUNDER WITH RESPECT TO ANY IP CLAIMS ARISING DIRECTLY OR INDIRECTLY FROM (I) THE USE OF THE PLATFORM OR PLATFORM SERVICES IN COMBINATION WITH PRODUCTS, SERVICES, SOFTWARE, DATA, OR SYSTEMS NOT PROVIDED BY COMPANY, (II) ANY MODIFICATION OR UNAUTHORIZED USE OF THE PLATFORM OR PLATFORM SERVICES OR ANY BREACH OF THIS AGREEMENT BY CLIENT, (III) INSTRUCTIONS OR DIRECTIONS PROVIDED BY OR ON BEHALF OF CLIENT, OR (IV) THE FAILURE TO USE UPDATES OR CORRECTIONS PROVIDED BY COMPANY. IN RESPONSE TO AN ACTUAL OR POTENTIAL IP CLAIM UNDER THIS SECTION, IF REQUIRED BY SETTLEMENT OR INJUNCTION OR AS COMPANY DETERMINES NECESSARY TO AVOID MATERIAL LIABILITY, COMPANY MAY AT ITS OPTION (I) PROCURE THE RIGHTS FOR CLIENT’S CONTINUED USE OF THE PLATFORM OR PLATFORM SERVICES, AS APPLICABLE, (II) REPLACE OR MODIFY THE ALLEGEDLY INFRINGING PORTION OF COMPANY’S PLATFORM OR PLATFORM SERVICES TO AVOID INFRINGEMENT WITHOUT REDUCING THE OVERALL FUNCTIONALITY OF THE PLATFORM OR PLATFORM SERVICES, OR (III) TERMINATE THE IMPACTED ORDER, OR PORTION THEREOF, AND REFUND TO CLIENT ANY PRE-PAID, UNUSED FEES FOR THE TERMINATED PORTION OF THE ORDER. THIS INDEMNITY WILL BE CLIENT’S ONLY REMEDY UNDER THIS AGREEMENT FOR ANY INFRINGEMENT, MISAPPROPRIATION, OR OTHER VIOLATION BY COMPANY OF A THIRD PARTY’S INTELLECTUAL PROPERTY OR OTHER RIGHTS.
- Indemnification Procedures. THE INDEMNIFYING PARTY RESERVES THE RIGHT, AT ITS SOLE COST, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY THE INDEMNIFIED PARTY, IN WHICH EVENT THE INDEMNIFIED PARTY WILL REASONABLY ASSIST AND COOPERATE WITH THE INDEMNIFYING PARTY IN ASSERTING ANY AVAILABLE DEFENSES. THE INDEMNIFIED PARTY AGREES NOT TO SETTLE ANY MATTER WITHOUT THE PRIOR WRITTEN CONSENT OF THE INDEMNIFYING PARTY. THE INDEMNIFIED PARTY MAY HAVE COUNSEL OF THEIR OWN CHOICE AT THEIR OWN COSTS.
- INSURANCE.
- Insurance Requirements. During the term of this Agreement, Company and Client shall each maintain at least the following insurance coverages with insurance carriers with an A.M. Best rating: (i) comprehensive / commercial general liability insurance (which shall provide for minimum limits of $1,000,000 per occurrence); (ii) professional liability (also known as errors and omissions) insurance with combined single limits of not less than $1,000,000; and (iii) cyber liability (also known as technology errors and omissions) insurance with minimum limits of $1,000,000 per occurrence. Upon request, each party shall provide the other with evidence of such insurance coverage(s).
- PROPRIETARY RIGHTS.
- Intellectual Property. As used herein, "Intellectual Property" means all patents, designs, inventions, trademarks, service marks, trade names and trade dress, copyrights and copyrightable works (including software programs and related documentation), trade secrets, know-how, design rights, database rights, and all other intellectual property and proprietary information, and all modifications, compilations, and derivative works thereof.
- Ownership. The Company is the sole and exclusive owner of all right, title and, interest, including Intellectual Property rights, in and to the Products, Platform, Platform Services, and all related documentation, source code, algorithms, tools, scripts, processes, techniques, methodologies, inventions, know-how, concepts, formatting, arrangements, visual attributes, and all derivatives, enhancements, modifications and improvements thereof. Client acknowledges that the Products, Platform and Platform Services and any related source code/algorithms constitute: (i) an original compilation protected by US copyright laws; and/or (ii) trade secrets of Company. Client acknowledges and agrees that the Products, Platform and Platform Services are licensed to Client, and not sold. Company reserves all right, title, and interest, including all Intellectual Property rights, in and to the Products, Platform and Platform Services, subject only to the license rights expressly granted to Client pursuant to the terms of this Agreement. As between Company and Client, Client shall have the sole and exclusive right, title and interest in and to any Intellectual Property in the Client Website and Client owned marketing materials.
- Feedback. If Company receives any feedback (which may consist of questions, comments, suggestions or the like) regarding the Products, Platform or Platform Services (collectively, “Feedback”), all rights, including intellectual property rights in such Feedback shall belong exclusively to Company. Client hereby irrevocably and unconditionally transfers and assigns to Company all intellectual property rights it has in such Feedback and waives any and all moral rights that Client may have in respect thereto. It is further understood that use of Feedback, if any, may be made by Company at its sole discretion, and that Company in no way shall be obliged to make use of the Feedback.
- Exclusions. Each of the Company and Client acknowledge that the other owns and/or licenses or may hereinafter develop certain Intellectual Property used in the performance of this Agreement or applicable Product Addendum. Subject to the foregoing Feedback clause, each of the Company and Client specifically disclaim any ownership or other right with respect to the Intellectual Property owned and/or licensed and/or developed by the other party, except as otherwise provided herein. Except as expressly provided herein, neither party grants or transfers to the other, nor does the other party obtain, any right, title, claim, license or other interest in or to any of the Intellectual Property (including information, consumer information database, systems, forms manuals or other proprietary information) utilized or provided by the other party.
- Use of Name and Logo. Client hereby grants Company the right to use Client’s name, trade names, trademarks and/or logos in marketing, sales, and public relations materials and other communications solely to identify Client as a customer of Company. Client shall have the right to revoke permission of such use of the name, trademark and logo at any time, upon reasonable notice to Company. Other than as expressly stated herein, neither Company nor Client shall use the other party's names, trademarks or logos without the prior written permission of the other party.
- AUDIT RIGHTS.
- Records. Each party shall maintain complete and accurate books and records of its activities performed pursuant to this Agreement relating to (i) transactions that trigger a payment to Company, and (ii) compliance with Applicable Laws governing (a) the use and retention of Data, and (b) lead generation and sales and marketing activities, as applicable.
- Audit. Each party shall retain and make available such records in Section 11.A for at least three (3) years following the end of the calendar year to which they pertain, to the other party, at such party’s expense and upon a mutually agreeable date and time not to exceed thirty (30) days after such request, for inspection during normal business hours at a mutually agreeable time, solely to verify any reports and payments made and/or compliance in other respects under this Agreement.
- ELECTRONIC COMMUNICATIONS.
- Communication Requirements. By using the Platform, Client agrees to receive certain communications from us electronically in connection with the Platform. Such communications include by way of email, text message, posting notices, delivering notifications through our mobile applications or through other electronic means. Client agrees that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
- MODIFICATIONS.
- Agreement Modifications. From time to time, Company may modify the terms of this Agreement, including the Product Addendums incorporated herein. Company will notify Client of the modifications by posting the updated terms of the Agreement here: https://array.com/legal/#msa, including the applicable effective date, or through communications via Client’s account, email, or other means. If a Client objects to the modifications in writing, unless otherwise agreed upon by the parties in a dually executed Order or applicable amendment, its exclusive remedy is to cease any and all access and use of the Platform and terminate this Agreement with a written Termination Notice, subject to the Termination Section 4.C. provisions provided herein, which shall not be deemed a breach, provided that Client shall be entitled to a reasonable wind-down period if allowable without undue or unreasonable harm to Company or the Platform. Client may be required to click to accept or otherwise agree to the modified terms in order to continue accessing or using the Platform, and in any event continued access or use of the Platform after the modified version of these terms goes into effect will constitute Client’s acceptance of such modified version.
- MISCELLANEOUS.
- Authority. With respect to any individual consenting to this Agreement on behalf of its employer or another entity, that individual represents and warrants that: (i) it has full legal authority to bind its employer or such entity to this Agreement; (ii) it has read and understood this Agreement; and (iii) it agrees to this Agreement on behalf of the party that it represents. In the event that an individual registers or signs up for the Platform using an email address from its employer or another entity, then that individual will be deemed to represent such party and will bind its employer or that entity to this Agreement. If an individual does not have the legal authority to bind its employer or the applicable entity, that individual should not access or use the Platform, execute an Order and should not click or check “I agree” (or similar acceptance language).
- Entire Agreement. This Agreement constitutes the full and complete understanding and agreement of Client and the Company and supersedes all prior negotiations, understandings and agreements pertaining to the subject matter hereof.
- Assignment. Neither party may assign its rights or obligations under this Agreement without the written consent of the other party, which consent shall not be unreasonably withheld, conditioned or delayed. However, Company shall be able to assign this Agreement to an Affiliate or in the event of a merger, acquisition or change of control, without having to obtain the consent of Client. Any attempted assignment that is prohibited under this section shall be null and void. This Agreement will bind and inure to the benefit of each party's successors and permitted assigns.
- Survival. The rights and obligations of the parties set forth in Section 5 REPRESENTATIONS AND WARRANTIES (as applicable), Section 6 CONFIDENTIALITY; NON-DISCLOSURE, Section 7 DISCLAIMERS AND OTHER LIMITATION, Section 8 INDEMNIFICATION, Section 10 PROPRIETARY RIGHTS, Section 11 AUDIT RIGHTS, and Section 14.J GOVERNING LAW AND ARBITRATION, and any right or obligation of the parties which by its express terms or nature and context is intended to survive termination or expiration of this Agreement or any Order, shall survive such termination or expiration.
- Equitable Remedies. Breaches of a party’s obligations related to the protection of confidential information, protection of intellectual property rights (including violations of Section 1.C), or compliance with Applicable Laws may cause such other party to incur irreparable harm and significant injury that would be difficult to ascertain and would not be compensable by damages alone. Accordingly, each party acknowledges and agrees that, in addition to any and all remedies that the non-breaching party may have at law or otherwise with respect to such a breach, the non-breaching party will be entitled to seek injunction or other appropriate equitable relief without posting bond and without being obligated to prove actual damage or harm.
- Relationship. The Company and Client are independent contractors with respect to one another under this Agreement. This Agreement shall not be deemed to establish any agency, joint venture or partnership relationship. Each party shall be responsible for the payment of all employee compensation, benefits and employment and other taxes pertaining to its employees and business. Neither party shall have the authority to legally bind the other to any contract, proposal or other commitment or to incur any debt or create any liability on behalf of the other.
- Waiver. No delay or omission or failure to exercise any right or remedy provided for herein will be deemed to be a future waiver thereof and any single or partial exercise of any such right or remedy, power or privilege will not preclude any later exercise thereof.
- Severability. In the event that any provision of this Agreement is held to be invalid, illegal or unenforceable under present or future laws, then such provision will be fully severable and this Agreement will be construed and enforced as if such invalid, illegal or unenforceable provision were not a part hereof.
- Headings. The headings of sections herein are for convenience only and will not be deemed to affect in any way the scope, intent or meaning of the provisions to which they refer.
- Governing Law and Arbitration. This Agreement shall be governed and construed in accordance with the laws of the State of New York, without resort to the conflict of law principles thereof. Except as it relates to Company’s efforts to collect unpaid Fees from Client, any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this Agreement to arbitrate, such controversy, claim or dispute shall be resolved by mandatory, binding arbitration, rather than in court. The parties agree that the arbitration shall be administered by the American Arbitration Association (AAA), or other nationally recognized arbitrator as agreed upon by the parties and the parties shall be bound by any and all rules of AAA or other mutually accepted rules and any award/decision rendered. Notwithstanding anything to the contrary in the AAA rules, the arbitrator will be empowered to order interim or permanent injunctive relief, which may be enforced in any court of competent jurisdiction. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all decisions. Any such arbitration shall include a written record of the arbitration hearing and shall be conducted by an arbitrator as agreed upon by the parties, or if no agreement can be made, then an arbitrator shall be selected by AAA experienced in complex business transactions. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys' fees) of arbitration equally. In the event a party fails to proceed with arbitration as required herein, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator's ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.
- Non-Exclusive Remedy. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.
- Force Majeure. Neither party will be responsible for any failure or delay in its performance or service under this Agreement (except for any payment obligations for services already rendered) due to causes beyond its reasonable control, which may include, by way of illustration but not limitation, network failures, malicious cyberattacks, acts of civil or military authorities, pandemics, epidemics, fires, interruptions in third party telecommunications, Internet equipment, servers or other third party services (e.g., cloud hosting providers), labor disputes, strikes, lockouts, shortages of or inability to obtain labor, energy, raw materials or supplies, war, terrorism, riot, acts of God or governmental action. Notwithstanding the foregoing, each party affected by a force majeure shall use its commercially reasonable efforts to perform during the period of such event or circumstance, and in any event shall promptly perform upon the cessation of such event or circumstance. Promptly upon becoming aware of force majeure causing a delay in performance or preventing performance of any obligations imposed by this Agreement (and the termination of such delay), the party being delayed or prevented from performing shall give written notice to the other party giving the details of the event, including particulars of the actual event, and if applicable, estimated continuing effects of such force majeure event on the obligations of the party. If such an event of force majeure continues for thirty (30) days, then either party may terminate this Agreement with no penalties or damages, except for Client’s obligation to pay any undisputed amounts owed.
- Conflict. To the extent there is any inconsistency or conflict between this Agreement and an Order or any exhibit or attachment, such Order, exhibit or attachment shall control.
- Counterparts. This Agreement may be executed in counterparts, each of which will be deemed an original, but all of which together will constitute one and the same instrument. A facsimile or electronic delivery of the signature page hereto shall be deemed an original for all purposes hereof.
- Notices. Any notice, request, designation or other communication required or permitted to be given hereunder shall be in writing and may be given by personal delivery regular mail, overnight mail, facsimile or email, and shall be deemed sufficiently given if delivered or addressed to parties at the respective addresses set forth below, or to such other addresses as may be designated by a party in writing. All notices shall be deemed received when (i) delivered personally; (ii) three (3) business days following deposit in the mail, postage prepaid; or (iii) one (1) day after deposit with a commercial express courier specifying next day delivery, with written verification of receipt.
If to Company: Array US, Inc.
Attn: Legal Department
2200 N. Federal Hwy., Suite 217
Boca Raton, FL 33431
E-mail: legal@array.com
If to Client:
The information provided in the applicable Order.
Data Furnishing Addendum to MSA
Version 2.3
Effective December 21st 2023
DownloadSummary of changes
Table of Contents
- Services; Acceptance. Datalinx will provide to Client the credit data reporting and other services (the “Reporting Services”) described in these Data Furnishing Terms, in exchange for Client’s payment of fees set forth in an applicable Order.
- Client Commitments.
- Client agrees to furnish to Datalinx certain Data from its records about its customers with whom it has established accounts (the “Reporting Data”). Client will furnish and update such Reporting Data no less frequently than at monthly intervals, unless otherwise agreed in writing, and shall provide such Reporting Data in the form and manner required by Datalinx and communicated to Client from time to time during the Term of the applicable Order. Client hereby certifies that all Reporting Data furnished to Datalinx shall be complete and accurate.
- Client represents and warrants that Client has read the United States Federal Credit Reporting Act (FCRA), and the related notice regarding Client’s obligations under the FCRA attached hereto as Exhibit A, and further agrees that, with respect to all Reporting Data furnished to Datalinx, Client will comply with all requirements of the FCRA, including any and all amendments and modifications thereto, and all Applicable Laws. For the avoidance of doubt, Client obligations include but are not limited to the following:
- Client must promptly respond to inquiries from Datalinx in accordance with any response deadline provided to Client by Datalinx from time to time and/or as required by Applicable Laws. Client understands and agrees that responses to inquiries are time sensitive. Specifically, Client agrees to submit Reporting Data in an acceptable format to Datalinx via SFTP on at least a monthly basis and to provide investigation findings to Datalinx as reasonably requested.
- Notwithstanding any assistance provided by Datalinx related to dispute management, as the owner of the Reporting Data, Client is responsible for conducting dispute investigations and must conduct such dispute investigations in accordance with Applicable Laws and as communicated to Client by Datalinx.
- Upon termination of the Reporting Services, Client acknowledges and understands that Datalinx shall no longer handle consumer disputes for Client. Client as the owner of the Reporting Data, shall be responsible for maintaining FCRA compliance, including oversight of any and all consumer disputes, in process or otherwise, which may include obtaining an eOscar account and paying the associated platform fees.
- Datalinx Commitments.
- Datalinx agrees to convert Reporting Data provided by Client into the appropriate format required by Experian®, TransUnion®, and Equifax® (the “credit bureaus”), as applicable. Datalinx shall provide Client a file template for guidance.
- Datalinx agrees to submit the converted file to each credit bureau where Client has been approved by such credit bureau to report such Reporting Data. For any credit bureau requiring Client to submit its data furnishing information directly, Datalinx shall convert the Reporting Data only and provide the converted file to Client and Client is responsible for submitting the converted file to such bureau.
- Datalinx shall bear no liability or otherwise be responsible for delays in the provision of Reporting Services or any portion thereof caused by Client's failure to timely provide Reporting Data, information, or responses, requested by Datalinx. Client agrees to promptly cooperate with Datalinx as necessary and appropriate and reasonably requested by Datalinx.
- Datalinx agrees to process each file provided by Client in a timely manner.
- Datalinx agrees to convert Reporting Data provided by Client into the appropriate format required by Experian®, TransUnion®, and Equifax® (the “credit bureaus”), as applicable. Datalinx shall provide Client a file template for guidance.
- Fees. The fees for the Reporting Services (the “Fees”) are as set forth in the applicable Order. Datalinx will invoice Client for the Fees, and Client shall pay such Fees, in accordance with terms provided in the MSA.
- Ownership Rights.
- No Transfer of Ownership. “Client Materials” means Client’s pre-existing proprietary materials and any Data that may be incorporated with or contained in the Reporting Data provided to Datalinx. Except for the right to use Client Materials provided to Datalinx in connection with providing the Reporting Services described herein, as between Client and Datalinx, Client shall retain all rights, title and interest, including all proprietary rights in and to Client Materials. For the avoidance of doubt, Client is the owner of the Reporting Data provided to Datalinx and nothing in this Addendum shall affect a transfer of ownership, including ownership rights related to copyright or any other Intellectual Property rights from Client to Datalinx. The Client Materials and Client’s Confidential Information shall not be used or exploited by Datalinx without Client’s prior written consent or as otherwise expressly authorized in this Addendum, the MSA, or an applicable Order.
- Reservation of Rights. Datalinx reserves all rights in and to the software, technology and other Intellectual Property developed by Datalinx used to provide the Reporting Services in accordance with this Addendum. In addition, notwithstanding anything to the contrary in this Addendum, the Order, or the MSA, Datalinx will retain all rights in any knowledge, concepts, and techniques used by Datalinx in the performance of the Reporting Services.
BuildCredit Servicing Terms Addendum to MSA
Version 1.2
Effective March 5th 2024
DownloadSummary of changes
Table of Contents
BuildCredit Servicing Terms
These BuildCredit Servicing Terms (“Servicing Terms”) are additional terms applicable to the BuildCredit, LLC (“BuildCredit”) products (each a “BuildCredit Product” and part of the Platform Services as defined in the MSA) identified within your Order. The BuildCredit Products consist of servicing loans or accounts you or your Subscribers may have with a third-party bank and access to, integrated display of, and delivery of applicable Data or tools supporting the operation thereof. Any terms used but not defined in these Servicing Terms will have the meaning provided in the Array US, Inc. Master Services Agreement (“MSA”) referenced in the Service Order (each, an “Order”), which shall be incorporated herein. Within these Servicing Terms, the BuildCredit sponsor bank supporting certain BuildCredit Products may be referenced or identified as “Bank”.
These Servicing Terms constitute a legal agreement among BuildCredit, the person or entity (“Client”, “you” or “your”) executing an Order to use or access BuildCredit Products, and your customers, subscribers, members, or other end user consumers (collectively, the “Subscribers”).
You understand and agree that BuildCredit may enforce any provisions of these Servicing Terms or the MSA that relate to BuildCredit’s provision of or your use of the BuildCredit Products, and you acknowledge that you are directly responsible to BuildCredit for your breach of the MSA or the Servicing Terms. BuildCredit may also terminate these Servicing Terms at any time, which may limit or terminate your ability to use the BuildCredit Products. You must accept all of the terms and conditions of these Servicing Terms to use or access the BuildCredit Products.
1. Compliance and Disclosure
a. Bank is responsible for educating you on any terms applicable to your account(s) or relationship with the Bank, but information may be provided to you by BuildCredit at the direction of Bank.
2. Purpose of these Servicing Terms
a. As between BuildCredit and Bank, Bank is responsible for underwriting and evaluating each Subscriber’s eligibility for loans or accounts with Bank (each a "Subscriber Account"). BuildCredit is responsible for providing the BuildCredit Products pursuant to the terms of the MSA, these Servicing Terms, and any other applicable terms.
b. You and BuildCredit, on behalf of Bank, will provide escalation support services as provided in Section 7 herein to resolve any issues your Subscribers may have related to your Subscribers’ use of the BuildCredit Products. You are solely responsible for providing support to your Subscribers for all issues related to your products and services.
3. Sharing of Data
a. You authorize BuildCredit and Bank to provide Data to each other to (i) provide the BuildCredit Products, (ii) comply with legal and regulatory obligations, and (iii) perform underwriting and risk review, including verification that you and your Subscribers are legally permitted to transact and receive funds. This includes sharing information you provided to BuildCredit before these Servicing Terms became effective and information about Bank and BuildCredit’s experience with you, such as termination of these Servicing Terms by Bank and the reasons for such termination. Where required to comply with obligations under applicable laws, Bank or BuildCredit may provide any data to law enforcement or other government regulators.
b. To help the government fight the funding of terrorism and money laundering activities, federal law requires each financial institution to obtain, verify, and record information that identifies each person who establishes a relationship with a financial institution involving the movement of funds. To comply with this requirement, you authorize and direct BuildCredit to provide to Bank any information required to verify your or your Subscribers’ identity, including name, address, and taxpayer identification number. If you are a legal entity, including a limited liability company or corporation, you authorize and direct BuildCredit to provide Bank with information on the identity of (1) all beneficial owners of 25% or more of your entity; and (2) at least one individual with significant control over the entity.
c. In order to use the BuildCredit Products, BuildCredit and/or Bank may ask you and/or your Subscribers for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver’s license number and social security number); personal information to verify you or your Subscribers’ identity and financial information (such as credit card number or banking account number). This information is required in order to verify you and/or your Subscribers’ identity, charge the agreed upon fees for BuildCredit Products and related services, and to fulfill obligations to provide BuildCredit Products and related services to you and/or your Subscribers, including communicating with third parties as necessary to provide the BuildCredit Products and related services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others. Further, you authorize BuildCredit and its agents to obtain additional information and reports about you and/or your Subscribers as provided in the MSA and herein in conjunction with the provision of the BuildCredit Products and related services. All such information in the possession of BuildCredit shall be subject to the privacy policy located at https://array.com/company/privacy.
4. Term and Termination
a. These Servicing Terms become effective as provided in the introductory paragraphs and shall continue in effect so long as you use the BuildCredit Products. These Servicing Terms will terminate automatically upon termination of the MSA or applicable Order, except for those terms which are intended to survive termination. In addition, the BuildCredit Products and/or these Servicing Terms may be terminated by BuildCredit as provided herein.
b. Should you terminate use of the BuildCredit Products, Subscribers with active Subscriber Accounts shall remain customers of Bank subject to any terms and conditions between Bank and Subscriber. Further, BuildCredit may be required to continue to service the Subscriber Accounts subsequent to your termination of the BuildCredit Products pursuant to the Bank’s applicable terms and as provided herein.
c. BuildCredit reserves the right to terminate the use of BuildCredit Products at any time and distribute the funds in your or your Subscribers’ accounts, in accordance with other applicable terms and Applicable Laws.
5. Representations and Warranties
In addition to the representations and warranties made in the MSA, which are incorporated by reference to these Servicing Terms in their entirety, you represent and warrant to BuildCredit as of each day on which you utilize or have access to a BuildCredit Product that:
a. You are legally able to enter into these Servicing Terms;
b. You will not use the BuildCredit Products, directly or indirectly, for any fraudulent or illegal undertaking;
c. You will only use the BuildCredit Products in a manner consistent with the MSA, including the Applicable Laws provided therein, and these Servicing Terms;
d. You consent to participation in, and continued compliance with, the BuildCredit Client Oversight Program, which shall be communicated to you concurrently with the execution of an Order, and as it may be amended from time to time at BuildCredit’s sole discretion;
e. You will support BuildCredit as reasonably required related to any Subscriber disputes, including credit disputes as required by applicable law; and
f. In accordance with the provisions of section 2 in the MSA, you will obtain approvals from BuildCredit for all marketing related materials.
6. United States Only Services; No Illegal Activities
You may not use the BuildCredit Products or services offered by BuildCredit or Bank for, or on behalf of, persons or entities (a) in a country embargoed by the United States or (b) blocked or denied by the United States government. You further acknowledge and agree that you will not use your account associated with BuildCredit Products for illegal transactions, for example, those prohibited by the Unlawful Internet Gambling Enforcement Act, 31 U.S.C. Section 5361 et seq., as may be amended from time to time, or those involving any Person listed on the U.S. Department of Treasury, Office of Foreign Assets Control (“OFAC”), Specially Designated Nationals and Blocked Persons List (available at www.treas.gov/ofac) or the U.S. Department of State Terrorist Exclusion List (available at www.state.gov) or the processing and acceptance of transactions in certain jurisdictions pursuant to 31 CFR Part 500 et seq. and other laws enforced by OFAC. Unless otherwise explicitly stated, the BuildCredit Products are solely for use by you and your Subscribers in the United States, Puerto Rico, and the U.S. Virgin Islands. Notwithstanding anything to the contrary in these Servicing Terms, Bank may decline to process any transactions or loan applications submitted by you or your Subscribers in its sole discretion.
7. Subscriber Support
a. Client Support Services are not included in the scope of services provided by BuildCredit. You shall be responsible for providing Client Support Services, which shall include, but not necessarily be limited to, agents focused on managing inquiries relative to (a) subscription or billing status; (b) password ID/account lockouts; (c) questions regarding your products and features; and (d) issue triage to determine if any issues involve banking, payment, and credit reporting questions that require escalation to BuildCredit Support Services.
b. BuildCredit Support Services shall be provided by BuildCredit or its agents to you and/or your Subscribers as necessary. BuildCredit Support Services will provide comprehensive services throughout the issue resolution process, including one-on-one guidance to you or your Subscribers to address issues resulting from loan servicing, payments, credit reporting, and the use of or access to the BuildCredit Products.
Array Privacy Policy
Version 2.2
Effective October 30th 2024
DownloadSummary of changes
Table of Contents
- Contact and identity Information such as name, address, email address, phone number, fax number, billing address, or shipping address;
- Social security number, date of birth, or driver’s license number;
- Banking or financial account information;
- Social media related information including handles and user names;
- Profile Information such as username and password;
- Transaction information such as product selections, order history, credit card number and expiration date, referring URL, IP address, occupation, personal interests, and information about your interests in and use of various products, programs and services;
- Communications such as market research, surveys, or telephone calls with customer service;
- Marketing information such as advertising preferences.
- Device data, such as your computer or mobile device operating system type and version number, manufacturer and model, browser type, language preferences, IP address, date and time of visits, unique identifiers, and geolocation information such as city or town.
- Usage data, such as the Sites you visited, pages or screens you viewed, time spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.
- Cookies, which are small pieces of information stored on your device that uniquely identifies your browser and settings within your browser for the purpose of helping you navigate between pages efficiently and remembering your preferences, enabling functionality, helping us understand user activity and patterns, facilitating online advertising and measuring the effectiveness of our ads. Users can also express their choices for display advertising, through the following platforms: Digital Advertising Alliance opt-out platform or the Network Advertising Initiative opt-out platform. To opt-out of these cookies, please go to http://www.aboutads.info/choices.
- Web Beacons, also known as pixel tags or clear GIFs, are used to count and recognize users to the Site, or demonstrate that a webpage or email was accessed or opened, or that certain content within it was viewed or clicked, typically to compile statistics about usage of Sites and the success of marketing campaigns.
- Javascript libraries, which are snippets of code within web pages that execute when certain actions take place.
- Name: Array US, Inc.
- Attn: Legal Department
- Address: 2200 N. Federal Hwy., Suite 217
- City, State, Zip: Boca Raton, FL 33431
- E-mail: compliance@array.com
- The categories of personal information we have collected about you.
- The categories of sources from which we collect your personal information.
- The business or commercial purpose for collecting or selling your personal information.
- The categories of third parties with whom we share personal information.
- The specific pieces of personal information we have collected about you.
- Whether we have sold your personal information, and if so, the categories of personal information that we have sold, along with the category of any third party we sold it to.
- Whether we have disclosed your personal information for a business purpose, and if so, the categories of personal information disclosed, along with the category of any third party we shared it with.
- Identifiers.
- Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
- Commercial information.
- Internet or other electronic network activity.
- Geolocation data.
- Professional or employment-related information.
- Fulfill or meet the reason for which the information is provided.
- Provide marketing and advertising services.
- Assist with research and development of our products and services.
- Provide you with information, products or services that you request from us.
- Carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
- Determine your general geographic location.
- Prevent, detect and investigate potentially prohibited or illegal activities, including fraud, and to enforce our terms.
- Analyze and understand our audience, improve our Site and our service and optimize content selection and delivery.
- Communicate with you concerning our service so that we can send you news, details about new features and content available, special offers, promotional announcements, consumer surveys, and to assist you with operational requests such as password reset requests.
- As necessary or appropriate to protect the rights, property or safety of us, our customers or others.
- Directly from our consumers or their agents when they provide us CCPA personal information directly, such as information that our customers provide to us related to the services for which they engage us.
- Indirectly and/or automatically from our consumers or their agents based on their interactions with us during the use of the Services, such as use of and submissions through the Site.
- From third-parties that interact with us in connection with the Services.
- Identifiers.
- Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
- Commercial information.
- Internet or other electronic network activity.
- Geolocation data.
- Professional or employment-related information.
- Advertising and marketing partners.
- Service providers.
- Payment processors.
- Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
BuildCredit Website Terms of Use
Version 1.0
Effective March 22nd 2023
DownloadTable of Contents
BuildCredit Website Terms of Use
Last updated: 08/19/2022
The following terms of service are terms of a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and BuildCredit LLC, its parent, Array, Inc., and their subsidiaries, affiliates, agents and assigns (collectively, “BuildCredit”, “Array”, “we”, “us”, or “our”) which sets forth the terms and conditions for your use of the services offered, operated, or made available by BuildCredit (collectively, the “Services”) and marketed through BuildCredit’s partner (“Affiliate”) through whom you access the Services. The Services are owned and operated by BuildCredit, and are being provided to you expressly subject to this Agreement.
By accessing, browsing and/or using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and BuildCredit, and this Agreement governs your use of the Services.
THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 16 BELOW FOR MORE INFORMATION.
Please carefully review this Agreement before using the Services, or accessing any data thereon. If you do not agree to these terms, you may not access or use the Services.
To use the Services and to accept the Agreement, you must (1) be a legal resident of the United States, (2) be at least 18 years old, (3) not be prohibited by law from using the Services, and (4) not have been suspended or removed from the Services.
BuildCredit reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on its website, www.buildcredit.com. It is your responsibility to review the Agreement for any changes, which shall be effective upon posting. If we make material changes to this Agreement, we will provide you notice of such changes on the website before they become effective. We will date the terms with the last day of revision. Your continued use of the Services after any change to this Agreement constitutes your agreement to be bound by any such changes. BuildCredit may terminate, suspend, change, or restrict access to all or any part of the Services without notice or liability.
We maintain a Privacy Policy, and it details how we handle and protect personally identifiable data related to the Services. We fully incorporate our Privacy Policy into this Agreement. Our Privacy Policy is available at www.array.com/privacy. Note that we reserve the right to update the Privacy Policy at our discretion, and that any changes made to our Privacy Policy are effective when the updates are posted on www.array.com/privacy or otherwise delivered to you.
To access BuildCredit’s Services, you must create an account with BuildCredit (a “BuildCredit Account”). This process may require the creation of a shared secured token with our Affiliate or will include creation of a Login ID and password to access the Services. When you sign up for a BuildCredit Account, you agree to provide accurate, current and complete information—such as your name, mailing address, and email address—as may be prompted by any registration forms available through the Services or as otherwise requested by BuildCredit for such information (“User Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the Services.
In order for you to use certain Services, BuildCredit may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the Services.
Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may log into your Account and update your User Information under the “Account” navigation.
You agree to keep confidential your password to access your BuildCredit Account. Should you believe or have reason to believe that any of your User Information, including your BuildCredit Account password, has been compromised, or that another person is accessing your BuildCredit Account through some other means, you agree to notify us as soon as possible at help@buildcredit.com.
By using the Services, you are completely and solely responsible for any and all activities which occur under your BuildCredit Account whether authorized or unauthorized.
BuildCredit acts a service provider of Cross River in connection with Cross River’s origination of the BuildCredit Savings-Secured Loan. BuildCredit offers a variety of services collectively referred to in this Agreement as the “Services.” These Services allow you to manage your loan application and repayment for the BuildCredit Savings-Secured Loan offered by Cross River Bank, member Federal Deposit Insurance Corporation. The terms of any such Credit Builder Loan are governed by agreements you make with Cross River Bank.
If applicable, you can obtain information about any BuildCredit Savings-Secured Loan that you obtained through your BuildCredit Account, such as the outstanding balance, interest accrued, and fees.
You consent to receive SMS messages (including text messages), and telephone calls (INCLUDING PRERECORDED AND ARTIFICIAL VOICE AND AUTODIALED) from us, our agents, representatives, affiliates or anyone calling on our behalf, including our Affiliate, at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. BuildCredit and our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails or other means.
Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.
You agree to use the Services only for lawful purposes and for their sole and intended purposes. You are prohibited from any use of the Services that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the Services, including but not limited to unauthorized entry into BuildCredit’s systems, misuse of passwords, or misuse of any information posted on through the Services is strictly prohibited. BuildCredit makes no claims concerning whether use of the Services is appropriate or available outside of the United States. If you access the Services from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
You agree you will not (1) try to reverse engineer, disassemble, decompile, or decipher the Services or software making up the Services, (2) navigate or search the Services with any tool, software, agent, engine or other means (including bots, avatars, intelligent agents, or spiders), (3) use a means other than BuildCredit’s and Affiliate’s provided interface to access the Services, (4) use the Services in a way that could impair, overburden, damage, or disable any portion of the Services, or (5) mirror any material contained on the Services.
BuildCredit reserves the right to take various actions against you if we believe you have engaged in activities restricted by this Agreement or by laws or regulations, and BuildCredit also reserves the right to take action to protect Cross River Bank, BuildCredit, other users, and other third parties, including our Affiliates, from any liability, fees, fines, or penalties. We may take actions including, but not limited to: (1) updating information you have provided to us so that it is accurate, (2) limiting or completely closing your access to the Services, (3) suspending or terminating your ability to use the Services on an ongoing basis, (4) taking legal action against you, and (5) holding you liable for the amount of BuildCredit’s or Cross River Bank’s damages caused by your violation of this Agreement.
The website, applications utilized in providing the Services, and other underlying technology (collectively, the “BuildCredit Technology”) are owned and operated by BuildCredit. All BuildCredit Technology content, visual interfaces, information, graphics, design, compilation, computer code, products, software, services, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever and the selection and arrangement thereof (collectively, the “BuildCredit Materials”) are owned exclusively by BuildCredit or the licensors or suppliers of BuildCredit and are protected by U.S. copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Nothing in the BuildCredit Technology should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the BuildCredit Materials displayed on the BuildCredit Technology, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of BuildCredit Materials found on the BuildCredit Technology unless in accordance with written authorization by us. BuildCredit prohibits use of any of the BuildCredit Materials as part of a link to or from the BuildCredit Technology unless establishment of such a link is approved in writing by us in advance. Any questions concerning any BuildCredit Materials, or whether any mark or logo is a BuildCredit Material, should be referred to BuildCredit. All rights related to the BuildCredit Materials are hereby reserved. You agree that the BuildCredit Materials may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of BuildCredit. You acknowledge that the BuildCredit Materials are and shall remain the property of BuildCredit. You may not modify, participate in the sale or transfer of, or create derivative works based on any BuildCredit Materials, in whole or in part.
BuildCredit may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the Services at any time, with or without cause, in BuildCredit’s absolute discretion and without notice. You may terminate your access and use of the Services by contacting us at help@buildcredit.com. The following provisions of this Agreement shall survive termination of your use or access to the Services: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Dispute Resolution by Binding Arbitration, and General Provisions, and any other provision that by its terms survives termination of your use or access to the Services.
BuildCredit further reserves the right to modify or discontinue, either temporarily or permanently, any portions or all of the Services at any time with or without notice.
THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, BUILDCREDIT AND ALL OF ITS SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, STOCKHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE “ BUILDCREDIT PARTIES”) EXPRESSLY MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, STATUTORY, OR IMPLIED AS TO THE CONTENT OR OPERATION OF THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
THE BUILDCREDIT PARTIES MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE INFORMATION OR CONTENT ON THE SERVICES, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. THE BUILDCREDIT PARTIES MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE SERVICES ARE FREE OF VIRUSES, BUGS, DEFECTS, ERRORS, OR OTHER COMPUTING ROUTINES THAT CONTAIN DAMAGING OR OTHERWISE CONTAMINATING PROPERTIES, OR PROGRAMS INTENDED TO INTERCEPT OR STEAL PERSONAL OR SYSTEM DATA.
Please note, the ability to exclude warranties varies in different jurisdictions. To the extent that a jurisdiction places limits on the ability for a party to exclude warranties, these exclusions exist to the extent permitted by law. Because of this jurisdictional variance, some of the above exclusions may not apply to you.
BUILDCREDIT WILL MAKE REASONABLE EFFORTS TO PROVIDE TIMELY AND ACCURATE ALERTS TO YOU, BUT YOU ACKNOWLEDGE AND UNDERSTAND THAT ALERTS MAY BE DELAYED OR PREVENTED FOR VARIOUS REASONS. BUILDCREDIT DOES NOT GUARANTEE THE DELIVERY, ACCURACY, OR TIMELINESS OF ALERTS. FURTHER, BUILDCREDIT IS NOT LIABLE FOR ANY ERRORS IN THE DELIVERY OR CONTENT OF AN ALERT, AND BUILDCREDIT IS NOT LIABLE FOR ACTIONS YOU TAKE, OR DO NOT TAKE, IN RELIANCE ON ALERTS. BUILDCREDIT IS NOT LIABLE FOR ANY THIRD PARTY RELIANCE ON ALERTS.
THE BUILDCREDIT PARTIES WILL NOT BE RESPONSIBLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING DAMAGES UNDER WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES, THE BUILDCREDIT MATERIALS, OR ANY CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SERVICES, EVEN IF BUILDCREDIT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE BUILDCREDIT PARTIES WILL ALSO NOT BE LIABLE TO YOU FOR ANY USE OF INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED VIA THE SERVICES, OR FOR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING FROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO, OR USE OF, THE SERVICES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.
To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the BuildCredit Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the Services; (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. BuildCredit reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of BuildCredit.
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
YOU ACKNOWLEDGE THAT YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN Section 15.3 BELOW.
You and BuildCredit agree that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this Section 16 (the “Arbitration Provision”), unless you opt out as provided in Section 16.3 below, or your Claim is subject to an explicit exception to in this Arbitration Provision. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent provided otherwise in the last sentence of Section 15.6 below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise, except that both you and BuildCredit retain the right: (a) to bring an individual action in small claims court (a “Small Claims Action”); or (b) to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, the misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights (an “IP Protection Action”). Claims include matters arising as initial claims, counter‐claims, cross-claims, third-party claims, or otherwise. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.
You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to compliance@buildcredit.com, within thirty (30) days of the date of your electronic acceptance of the terms of this Agreement (such notice, an “Arbitration Opt-Out Notice”). The opt out notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. If you don’t provide BuildCredit with an Arbitration Opt-Out Notice within the thirty (30) day period, you will be deemed to have knowingly and intentionally waived your right to litigate any Claim except with regard to a Small Claims Action or an IP Protection Action, as expressly set forth above.
In the event that (i) you or we bring an IP Protection Action; (ii) you timely provide BuildCredit with an Arbitration Opt-out Notice; or (iii) this “Dispute Resolution by Binding Arbitration” section is found not to apply, the exclusive jurisdiction and venue of any Claim will be the state and federal courts located in New York County, New York and each of the parties hereto waives any objection to jurisdiction and venue in such courts. You and we both further agree to waive our right to a jury trial.
If a Claim arises, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the complaint quickly. You agree that before filing any claim in arbitration, you will try to resolve the Claim informally by contacting help@buildcredit.com. Similarly, BuildCredit will undertake reasonable efforts to contact you (if we have contact information for you) to resolve any claim we may possess informally before taking any formal action. If a Claim is not resolved within 30 days after the email noting the Claim is sent, you or BuildCredit may initiate an arbitration proceeding as described below.
Unless you timely provide BuildCredit with an Arbitration Opt-out Notice, YOU ACKNOWLEDGE THAT YOU HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.
You and BuildCredit agree that the arbitration of any Claim shall proceed on an individual basis, and neither you nor BuildCredit may bring a claim as a part of a class, group, collective, coordinated, consolidated or mass arbitration (each, a “Collective Arbitration”). Without limiting the generality of the foregoing, a claim to resolve any Claim against BuildCredit will be deemed a Collective Arbitration if (i) two (2) or more similar claims for arbitration are filed concurrently by or on behalf of one or more claimants; and (ii) counsel for the claimants are the same, share fees or coordinate across the arbitrations. “Concurrently” for purposes of this provision means that both arbitrations are pending (filed but not yet resolved) at the same time.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YOU NOR BUILDCREDIT SHALL BE ENTITLED TO CONSOLIDATE, JOIN OR COORDINATE CLAIMS BY OR AGAINST OTHER INDIVIDUALS OR ENTITIES, OR ARBITRATE OR LITIGATE ANY CLAIM IN A REPRESENTATIVE CAPACITY, INCLUDING AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. IN CONNECTION WITH ANY CLAIM (AS DEFINED ABOVE), ANY AND ALL SUCH RIGHTS ARE HEREBY EXPRESSLY AND UNCONDITIONALLY WAIVED. Any challenge to the validity of this Section 15.6 shall be determined exclusively by the arbitrator.
The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) The AAA’s rules, including, as applicable, the AAA’s Consumer Arbitration Rules, as modified by this Agreement to Arbitrate, shall apply. If you have any questions concerning the American Arbitration Association or would like to obtain a copy of its arbitration rules, you may call 1 (800) 778-7879 or visit its website at: www.adr.org.
Notwithstanding anything to the contrary in the AAA rules, the arbitrator will be empowered to order interim or permanent injunctive relief, which may be enforced in any court of competent jurisdiction. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all decisions. The arbitrator shall be authorized to award any remedies, including injunctive relief, that would available to you in an individual lawsuit and that are not waivable under law. Any such arbitration shall include a written record of the arbitration hearing, and shall be conducted by an arbitrator as agreed upon by the parties, or if no agreement can be made, then an arbitrator shall be selected by AAA experienced in complex business transactions. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement.
Except as and to the extent otherwise may be required by law, the arbitration proceeding and any award shall be confidential. This Arbitration Provision shall be construed under and be subject to the Federal Arbitration Act, notwithstanding any other choice of law set out in this Agreement.
Unless you and BuildCredit otherwise agree, the arbitration will be conducted in the county where you reside, or if you so elect, all proceedings can be conducted via videoconference, telephonically or via other remote electronic means. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of the documents that you and BuildCredit submit to the arbitrator, unless the arbitrator determines that a videoconference, telephonic or in-person hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. Subject to such rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
If we elect arbitration, we shall pay all the administrator's filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator's rules. However, if the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration, unless the arbitrator finds that either the substance of your claim or the relief sought was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). In such circumstances, fees will be determined in accordance with the administrator rules. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award.
The arbitrator will render an award within the time frame specified in the administrator rules. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof.
This Arbitration Provision shall survive the termination of this Agreement. With the exception of Section 15.6“No Class Actions,” if a court decides that any part of this Arbitration Provision is invalid or unenforceable, then the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. In the event that a court finds that all or any portion of Section 15.6“No Class Actions,” to be invalid or unenforceable, then the entirety of this Arbitration Provision shall be deemed void and any remaining Claim must be litigated in court pursuant to Section 15.4.
Notwithstanding the provisions of the “Modification of this Agreement” section above, if BuildCredit changes this “Dispute Resolution by Binding Arbitration” section after the date you first accepted this Agreement (or accepted any subsequent changes to this Agreement), you may reject any such change by sending us written notice (including by email to compliance@buildcredit.com) within 30 days of the date such change became effective, as indicated in the “Last revised” date above or in the date of BuildCredit’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Claim between you and BuildCredit in accordance with the provisions of this “Dispute Resolution by Binding Arbitration” section as of the date you first accepted this Agreement (or accepted any subsequent changes to this Agreement).
This Agreement shall be governed by, and all Disputes shall be resolved in accordance with, the laws of the State of New York, United States of America without regard to its conflicts of law rules. You agree that any dispute arising from or relating to the subject matter of this Agreement shall be governed by the exclusive jurisdiction and venue in the state and federal courts located in New York.
If any provision of this Agreement is found to be invalid, unlawful, void, or unenforceable by either an arbitrator or a court of competent jurisdiction, this Agreement’s remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
You agree that if BuildCredit does not enforce any of its legal rights or remedies under this Agreement, or other legal rights or remedies BuildCredit has under applicable laws, this shall not be construed as a formal waiver of those rights or remedies or any other rights in any way whatsoever.
This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
If you have questions regarding the Agreement or the practices of BuildCredit, please contact us by e-mail at help@buildcredit.com or by regular mail at BuildCredit LLC at 2200 N Federal Highway, Suite 223, Boca Raton, FL 33431.
BuildCredit Loan Agreement
Version 2.0
Effective August 22nd 2023
DownloadTable of Contents
BuildCredit Savings-Secured Loan
Borrower ("I", "me" , or "my"): | Creditor ("you" or "your"): |
{{borrower_name}} {{borrower_addr1}} {{borrower_addr2}} {{borrower_city}} , {{borrower_state}} {{borrower_zip}} | Cross River Bank |
Important Loan Disclosures
Annual Percentage Rate The cost of my credit as a yearly rate. | {{apr}} | |
Finance Charge The dollar amount the credit will cost me. | {{finance_charge}} | |
Amount Financed The amount of credit provided to me or on my behalf. | {{amount_financed}} | |
Total of Payments The amount I will have paid after I have made all payments as scheduled. | {{total_payments}} | |
Late Charge: If I don’t pay all of a payment within 7 days of its due date, you can charge me a late charge of {{late_fee}} . | ||
Required Deposit: The Amount Financed will be held in a savings account that will be created for me at Cross River Bank (“Savings Account”). The annual percentage rate does not take into account the required Savings Account. | ||
Security: I give you a security interest in the Savings Account you will open for me to hold the loan proceeds, and understand I will not have access to the loan proceeds during the term of the loan. | ||
Prepayment: If I pay off the loan early, I will not have to pay a penalty. | ||
Other Terms: See the rest of this contract for more information about nonpayment, default, any required repayment in full before the scheduled date, and prepayment penalties. | ||
Number of Payments | Amount of Each Payment | When Payments are Due |
{{num_payments}} Payments | {{amount_each_payment}} | Monthly beginning {{first_due_date}} |
$0.00 given to me directly by depositing into my payment account. | + | {{total_loan_proceeds}} given to me by depositing into the Savings Account you will also open for me. |
- | {{admin_fee}} Administrative Fee - Non-Refundable - Paid to BuildCredit | |
= | {{amount_financed}} Amount Financed |
Additional Terms and Conditions
Important Loan Disclosures | The Important Loan Disclosures provided above these “Additional Terms and Conditions” are part of the terms of this contract. You based the Important Loan Disclosures on the assumption that you will fund this loan on the date of this contract and that I will make all scheduled payments on the payment due dates. If funding is delayed, you will send me new Important Loan Disclosures. |
Savings Account Requirement | I have opened my Savings Account in connection with this loan. I understand and agree that you will deposit the {{total_loan_proceeds}} into my Savings Account. I understand that I cannot withdraw and will not have access to this money or any other money in my Savings Account and I cannot make any deposits into my Savings Account until the loan is paid in full. This is described in the Security Interest section below. |
Promise to Pay | I promise to pay you the sum of the principal, {{sum_principal}} , plus the charged interest, plus any other charges authorized in this contract. I will make the payments by: (i) logging on to the BuildCredit or Affiliate platform to initiate an electronic funds transfer; or (ii) logging onto BuildCredit’s Affiliate’s platform and signing up for autopay. I will make the payments on the dates and in the amounts shown in the Payment Schedule. If my autopay fails due to insufficient funds or other issues, you may cancel my autopay. |
Repayment Terms | I will pay the amounts shown in the Payment Schedule on the payment due dates shown in the Payment Schedule. I am not allowed to make any partial pre-payments unless I am a covered borrower or am a resident of KS. If I have not paid all that I owe at the end of the contract, I will keep making payments of {{amount_each_payment}} each month by {{due_day}} until I have paid all that I owe. The final payment due to pay off the amount I owe may be less. You will send me a notice telling me the amount of my final payment. There is no penalty for pre-paying off the loan. Paying off the loan means paying the entire remaining balance due. If I pay off the loan, you will return to me the Amount Financed held in the Savings Account. My loan will be closed at the credit bureaus as Paid as Agreed. |
Credit Reporting and Disputes | I authorize BuildCredit to obtain consumer reports about me and to make direct inquiries of businesses where I have accounts. This authorization begins when I execute this contract and ends when this loan is paid in full. BuildCredit may obtain consumer reports and make direct inquiries for any purpose, including in connection with any modification, renewal, extension, or collection of this loan; administering my loan account; providing me with periodic updates of my credit score; and considering me for offers of other products and services. BuildCredit may report information about my loan account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report. If I believe that BuildCredit has provided inaccurate information to a credit bureau, I can contact BuildCredit at 2200 N Federal Highway, Suite 223, Boca Raton, FL 33431. |
Application of Payments | Payments will be applied to pay off unpaid interest, then to pay down unpaid principal, and then to any other amounts that I owe under this contract. |
Interest Rate and Finance Charge | I agree to pay interest at an annual rate of {{interest_rate}} . This interest rate may not be the same as the Annual Percentage Rate. You charge me interest daily by treating all months to be 30 days in length and each year to be 360 days, with each day accruing at a rate equal to 1/360th of the interest rate, multiplying that rate by the principal balance of my loan on that day. You calculate the above Finance Charge and Total of Payments disclosures as if I will make each payment on the day it is due. |
Security Interest | I am giving you a security interest in my Savings Account. This is true even if my Savings Account balance is larger than my unpaid loan balance. The security interest protects you in cases where I do not keep my promises under this contract. After I pay all that I owe under this contract, you will release your security interest in my Savings Account and return any balance to me. I agree not to give any other party a security interest in my Savings Account. If anyone other than you successfully claims an interest in any part of my Savings Account, I agree I am responsible for your actual court costs and attorneys’ fees assessed by a court in enforcing the security interest. |
No Bankruptcy | On the date I execute this contract, I am not contemplating bankruptcy and have not consulted with an attorney regarding bankruptcy in the past 6 months. |
Default | I will be in default if any of the following happen unless applicable law does not allow it or provides me a right of notice of default or opportunity to cure a default:
|
Remedies | If I am in default, you may use all or a part of the money in my Savings Account to pay what is past due under this contract. If I am in default, you may make my full loan balance due immediately and use all or part of the money in my Savings Account to pay off my full loan balance and any associated fees. If my loan is not fully repaid after you have exercised your security interest in my Savings Account, you may use any methods available under applicable law to collect the money I owe you under this contract. This may include taking me to court. I agree to pay for all the costs you incur collecting what I owe as the law allows upon entry of judgment. Your costs may include attorneys’ fees assessed by a court and actual court costs. If I cannot produce the funds to pay the loan in full, and agree to voluntarily surrender, I may be subject to an early termination fee of up to $5. |
Waiver | Even if you don’t enforce your rights as my creditor every time, you can still enforce them later. You may accept partial payments, late payments, or irregular payments. If you accept those payments, you do not waive your right to demand timely or full payments when due. Your waiver of any default will not waive any other default. You don’t have to give me notice that you are demanding or intend to demand immediate payment of all I owe, unless waiver of this notice is prohibited by law. You don’t have to give me notice that you are using all or part of the funds in my Savings Account to pay the amount due under the contract. |
Notice to Active-Duty Servicemembers and Dependents | Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account:
This contract will be interpreted to comply with the Military Lending Act. The above limitations on fees and interest only apply if I am a “Covered Borrower,” because on the date I execute this contract I am a member of the armed forces serving on active duty or a dependent of such member as defined by Federal regulations at 32 C.F.R. § 232.3(g). If I am a Covered Borrower on the date I execute this contract, then I am not subject to the arbitration provisions below or any other provision of this contract that is inconsistent with the Military Lending Act. |
Governing Law | I agree that Federal law and New Jersey law apply to this contract and to any claim, dispute, or controversy arising from or relating to this contract or my loan without regard to the conflict of law principles. I acknowledge you are located in the State of New Jersey, disburse funds from the State of New Jersey, and this contract is entered into in the State of New Jersey. If any part of this contract is declared invalid, the rest of the contract remains valid. However, if I am a resident of the state of Colorado as of the date of this contract and the Annual Percentage Rate of my loan as set forth in the Important Loan Disclosures exceeds the maximum finance charge permitted for a “supervised loan” under C.R.S. 5-2-201(2), then the provision of this Agreement are governed by Colorado law except for terms preempted or authorized by Federal law (including the interest rate, origination fee, late fee and returned check fee) which are governed by Federal law and New Jersey law. |
Arbitration Agreement / Class Action and Jury Trial Waiver | The following arbitration provision and class action and jury trial waiver (the “Arbitration Provision”) do not apply to me if I am a Covered Borrower, as provided in the Section of this contract called “Notice to Active-Duty Servicemembers and Dependents” on the date of this contract. I agree to read this Arbitration Provision carefully because I am waiving the right to have disputes heard by a judge and jury and the right to bring or participate in a class, representative or private attorney general action. I may choose to have this Arbitration Provision not apply to this contract and my loan by following the instructions in the subsection below entitled “Opt-Out Right.” This paragraph describes how all Claims (as defined below) will be arbitrated, at the election of me or you, on an individual (non-class, non-representative) basis instead of litigated in court. (a) Definitions. The term “Claim” means any claim, dispute, or controversy between me and you arising from or relating to my loan, my account with you, or this contract, as well as any related or prior agreement that I may have had with you or the relationships resulting from this contract. It includes claims related to the validity, enforceability, coverage, or scope of this Arbitration Provision to the maximum extent permitted by the Federal Arbitration Act (the “FAA”) (9 U.S.C. § 1, et seq.). Claims arising in the past, present, or future, including Claims arising before the execution of this contract, are subject to arbitration. Claim also includes, without limitation, claims that arise from or relate to any application for this loan or any advertisements, promotions, or statements related to my loan. For purposes of this Arbitration Provision, “me” and “you” also include any corporate affiliates, any licensees, predecessors, successors, assigns, any purchaser of any accounts, all servicers of the loan, all agents, employees, directors, and representatives of any of the foregoing, and other persons referred to below in the definition of Claims. “Claim” also includes claims of every kind and nature, including but not limited to initial claims, counterclaims, cross-claims, third-party claims, and claims based upon contract, tort, fraud, and other intentional torts, statutes, regulations, common law, and equity. Claims and remedies sought as part of a class action, private attorney general action, or other representative action are subject to arbitration on an individual (non-class, non-representative) basis, and the arbitrator may award relief only on an individual (non-class, non- representative) basis. This includes injunctive relief, which the arbitrator may award relief only on an individual, non-public basis, subject to subsection (f) below. The term “Claim” is to be given the broadest possible meaning that will be enforced. “Administrator” means the American Arbitration Association (“AAA”), 335 Madison Avenue, New York, NY 10017, www.adr.org, (800) 778-7879. (b) Right to Elect Arbitration. I or you have the right to require that each Claim be resolved by arbitration on an individual (non-class, non- representative) basis. A Claim will be arbitrated if (i) both you and I or (ii) only one or the other of you or I, exercise the right to require that the Claim be arbitrated. If, for example, you exercise your right to require that the Claim be resolved by arbitration, but I do not also exercise my right to require that the Claim be arbitrated, the Claim will be resolved by arbitration. If neither you nor I request arbitration, the Claim will not be resolved by arbitration and instead will be litigated in court. You will not elect arbitration for any Claim I file in small claims court, so long as the Claim is individual and pending only in that court. This Arbitration Provision applies whenever there is a claim between me and you or between me and a third party, regarding our relationship, the terms and conditions of this contract, and any loans originated by you or your partners. If a third party, such as your loan servicer or a debt collector acting on your behalf, is also involved in a claim between me and you, or if a dispute arises between me and a third party other than you relating to this contract or my loan, then the claim will be decided with respect to the third party in arbitration. In addition, the claim with the third party will be decided in accordance with this Arbitration Provision. The third party must be named as a party in accordance with the rules of procedure governing the arbitration. No award or relief will be granted by the arbitrator except on behalf of, or against, a named party. For the avoidance of doubt, I understand that Array will be the loan servicer for my loan and any disputes I have with Array or its successors are subject to this Arbitration Provision. This arbitration provision is made pursuant to a transaction involving interstate commerce and is governed by and subject to the FAA. (c) No Jury Trial or Class Claims. If I or you request arbitration of a Claim, I and you will not have the right to litigate the Claim in court. This means (i) there will be no jury trial on the Claim; (ii) there will be no pre- arbitration discovery except as the Administrator’s rules permit; and (iii) no Claim may be arbitrated on a class-action, private attorney general, or other representative basis, and neither I nor you will have the right to participate as a representative or member of any class or group of claimants pertaining to any Claim subject to arbitration. I or you may elect to arbitrate any Claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. (d) Initiation of Arbitration If the AAA will not accept the arbitration, the arbitration will be administered by an administrator, or adjudicated by an arbitrator, upon which me and you agree in writing (and in such event, the defined term Administrator will include such other person). The arbitration will be governed by the procedures and rules of the Administrator and this contract, which need not apply federal, state, or local rules of procedure and evidence. The Administrator’s procedures and rules may limit the discovery available to me or you. I can obtain a copy of an Administrator’s procedures and rules by contacting the Administrator. A single, neutral arbitrator will resolve the Claims. The arbitrator will be selected in accordance with the rules of the Administrator. In the event of any conflict or inconsistency between this arbitration provision and the Administrator’s rules or other provisions of this contract, this arbitration provision will govern. The arbitrator will take reasonable steps to protect customer account information and other confidential information if requested to do so by me or you. Arbitration hearings for Claims by or against me will take place in the federal judicial district in which I reside. If my claim is for $10,000 or less, I may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing to the extent permitted by the AAA Rules. If my claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. The arbitrator will apply applicable substantive law consistent with the FAA and applicable statutes of limitations, will honor claims of privilege recognized at law, and will have the power to award to a party any damages or other relief provided for under applicable law. The arbitrator will make the award and, regardless of the manner in which the arbitration is conducted, the arbitrator will issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based. (e) Costs of Arbitration. Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Provision. If the value of the relief I seek is $10,000 or less, at my request, you will pay all Arbitration Fees, unless you can demonstrate the claim is frivolous. If the value of relief sought is more than $10,000 and I am able to demonstrate to the arbitrator that I am economically unable to pay my portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that I should not be required to pay my portion of the Arbitration Fees, you will pay my portion of such fees. In addition, if I demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, you will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules and applicable law. (f) Public Injunctive Relief. To the extent allowed by applicable law, I also waive my right to seek a public injunction if such a waiver is permitted by the FAA. However, this Arbitration Provision will not be construed to prevent me from seeking in the arbitration the remedy of public injunctive relief if: (i) I reside in California; (ii) I resided in California at the time I entered into this contract; or (iii) my billing address for this loan is a California address. If I meet one of these conditions or if a court decides that such a public injunction waiver is not permitted, and that decision is not reversed on appeal, all other Claims will be decided in arbitration under this Arbitration Provision and my Claim for a public injunction then will be decided in court. In such a case the parties will request that the court stay the Claim for a public injunction until the arbitration award regarding individual relief has been entered in court. I agree that I will request such a stay when required. In no event will a claim for public injunctive relief be arbitrated. (g) Arbitration Award and Appeals. Judgment upon the arbitrator’s award may be entered in any court with jurisdiction. The arbitrator’s decision regarding any claims will be final and binding, except for any appeal right under FAA. The appealing party will pay the appeal costs. This Arbitration Provision will survive any suspension, termination, revocation of this contract or my loan, and any bankruptcy to the extent consistent with applicable bankruptcy law. (h) Enforcement of this Arbitration Provision. If any part of this Arbitration Provision cannot be enforced, the rest of the arbitration provision will continue to apply. However, an arbitrator cannot enlarge his or her authority over the adjudication of Claims beyond that provided by this arbitration provision by enforcing only part of this arbitration provision. If an arbitrator determines that applicable law requires this Arbitration Provision to be enforced in a way that would result in greater authority over Claims than otherwise allowed, such as the adjudication of claims on a class or representative basis or other non-individual basis, then the arbitrator must decline to hear the dispute and will refer the parties to a court or other body with sufficient authority. In the event of any conflict or inconsistency between this Arbitration Provision and the Administrator’s rules or other provisions of this contract, this Arbitration Provision will govern. (i) Opt-Out Right. I may reject this Arbitration Provision by mailing a signed rejection notice to the address for BuildCredit above within 30 calendar days of the date that I execute this contract. My rejection notice must include the following information: my name, physical address, e-mail and address, and telephone number, and a statement that I am rejecting this Arbitration Provision. |
Consent to Assignment and Pledge | I agree that you may assign your rights, title, or interest in this contract at any time and to any party, at your sole discretion. I agree that you may pledge or assign your security interest in my Savings Account and amounts deposited in it to any party to secure your obligations or for any other purpose. You do not have to give me any additional notice, and you do not need further authorization from me to do any of these things. I agree not to assign my rights or obligations under this contract to any other person without your prior written consent. |
Notices | I will send written notices related to this contract to BuildCredit at 2200 N Federal Highway, Suite 223, Boca Raton, FL 33431 or help@buildcredit.com. Any notice required to be given to me regarding this loan will be effective when mailed by first class mail to the latest address you have for me or when transmitted by electronic communication to the latest e-mail address you have for me. |
Savings Clause | If a law applicable to the loan sets maximum interest, fees, or charges for the loan, and is finally interpreted such that interest, fees, or charges due or collected under the loan exceed the permitted limits, then: (i) any such interest, fee, or charge will be reduced by the amount necessary to comply with the permitted limit; and (ii) upon request or as soon as practicable upon discovery by you, any amounts already collected from me exceeding such a permitted limit will be refunded to me. You may choose to make this refund by crediting the balance due under the loan or by making a direct payment to me. |
Events Beyond Your Reasonable Control | To the maximum extent permitted by applicable law, you and BuildCredit will not be liable to me for any delay or failure in your performance under this contract or other promises to you to the extent caused by any natural disaster, war, terrorism, strike, labor dispute, fire, act of government, epidemics or any other similar cause beyond your reasonable control that renders your performance impossible, impractical, or untenable. |
Important Notices
California Residents
Florida Residents
Iowa Residents
Kansas Residents
Maryland Residents
Massachusetts Residents
Missouri Residents
Nebraska Residents
New Jersey Residents
Ohio Residents
Texas Residents
Utah Residents
Washington Residents
Wisconsin Residents
Acknowledgement | I have read all pages of this contract. By signing below, I agree to all the terms of this contract, including the Consent to Assignment and Pledge. I received a completed copy on {{agreement_date_time}} | |
{{borrower_name}} | {{agreement_date}} |
BuildCredit Deposit Account Agreement
Version 2.0
Effective July 2nd 2024
DownloadSummary of changes
Table of Contents
Cross River Bank Deposit Account Agreement
Definitions
General Account Terms
A. About Us
C. Deposits and Transfers into Your Account
- Transfers Using the App or Website. You can set up one-time or automatic, recurring transfers from a Linked External Account to your Account using ACH transactions. By using the App or Website to initiate a transfer of funds from a Linked External Account to your Account, you authorize Cross River Bank to make the transfer you select on the App or Website se the App or Website to set up, review, change or cancel your transfers.
- Other. We may permit you to make deposits by other means, from time to time.
D. Withdrawals
E. Transaction Cutoff Time, Processing Order, and Fees
F. Communications, Statements, Notices of Errors, and Other Notices.
G. Closing or Restricting Your Account.
- Your Account is inactive;
- You relocate outside of the U.S. or any U.S. territory where we offer the Account;
- You attempt to use your Account for business purposes;
- Your Account is involved in any legal or administrative proceeding;
- We receive conflicting information or instructions regarding Account ownership, control or activity;
- We suspect that you may be the victim of a fraud, scam or financial exploitation, even though you have authorized the transaction(s);
- We suspect that any transaction may involve illegal activity or may be fraudulent;
- We are complying in our sole judgment, with any federal, state or local law, rule or regulation, including federal asset control and sanction rules and anti-money laundering rules, or with our policies adopted to assure that we comply with those laws, rules or regulations; or
- We reasonably believe that doing so is necessary to avoid a loss or reduce risk to us.
H. Other Account Terms.
I. ARBITRATION
Agreement to Arbitrate
Arbitration
Parties Subject to this Arbitration Agreement
Exclusions
Your Right to Opt Out
Prohibition of Class and Representative Actions and Non-Individualized Relief
Electronic Fund Transfer Agreement
FOR EFT |
Phone: 830-BLD-CRDT (830-253-2738) |
Website: www.buildcredit.com |
Mailing Address: 2200 N Federal Hwy #223, Boca Raton, FL 33431 |
A. Types of Available EFTs
B. Your Rights and Responsibilities
C. Confidentiality.
D. Amendments.
E. Termination.
Fee Schedule
Funds Availability Policy
Consent to use Electronic Signatures
Version 1.0
Effective March 23rd 2023
DownloadTable of Contents
Consent to Use Electronic Records and Signatures
We are required by law to give you certain information “in writing” – which means you are entitled to receive it on paper. However, with your prior consent, we may instead provide this information to you electronically.
In this ESIGN Disclosure and Consent:
- "We," "us," "our" means Cross River Bank, and BuildCredit, LLC AND each and every current and future affiliate, service provider, assignee, or successor of Cross River Bank.
- “You” and “your” means the person giving this ESIGN Consent, and also each additional account owner, authorized signer, authorized representative, delegate, product owner and/or service user identified on any BuildCredit and Cross River Bank product or service that you apply for, use or access.
- “Communications” means each disclosure, notice, agreement, fee schedule, statement, record, document, and other information we provide to you, or that you sign, submit, or agree to at our request.
- “Electronic Service” means each and every product and service we offer that you apply for, use, administer or access using the Internet, a website, email, messaging services (including text messaging), and/or software applications (including applications for mobile or hand-held devices), either now or in the future.
- “BuildCredit Product” means each and every account, product, or service we offer that you apply for, own, use, administer or access, either now or in the future.
- The words “include" and "including," when used at the beginning of a list of one or more items, indicates that the list contains examples; the list is not exclusive or exhaustive, the items in the list are for illustrative purposes,, and the items are not the only possible items that could appear in the list.
1. Your consent to use electronic records and signatures; Choosing to receive Communications electronically or in writing; Certain information must still be provided in writing.
In our sole discretion, the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form (“Electronic Records”). Additional examples of Communications may include Loan Agreements, Savings Account Agreements, Terms of Use, and Privacy Policies. We may also use electronic signatures and obtain them from you as part of our transactions with you.
Electronic Records may be delivered to you in a variety of ways. These various delivery methods include email, text messaging by Short Message Service (SMS), text messaging by Multimedia Messaging Service (MMS), and communications sent to your BuildCredit account dashboard accessible at BuildCredit’s website.
We may always, in our sole discretion, provide you with any Communication via paper, even if you have chosen to receive it electronically.
Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we specifically tell you in another Communication how you may deliver that notice to us electronically.
There are certain Communications that by law we may not be permitted to deliver to you electronically, even with your consent. So long as required by law, we will continue to deliver those Communications to you in writing. However, if the law changes in the future and permits any of those Communications to be delivered as Electronic Records, this ESIGN Consent will automatically cover those Communications as well.
We will continue to provide your tax statements on paper unless you separately elect to receive them electronically (if available).
2. Your option to receive paper copies.
If, after your consent to use of Electronic Records and signatures, we provide Electronic Records to you, and you want a paper copy, you may contact BuildCredit’s Customer Service Department and request a paper version. You will find the appropriate contact information below, or in the account statement or agreement.
Email: help@buildcredit.com
Phone: 1-830-BLD-CREDIT (830-253-2738)
Address: 2200 N Federal Highway Suite 223 Boca Raton, FL 33431
3. Your consent covers all Our Products and Services.
Your consent covers all Communications relating to any of our Products and Services. Your consent remains in effect until you give us notice that you are withdrawing it.
From time to time, you may seek to obtain a new Product or Service from us. When you do, we may remind you that you have already given us your consent to use Electronic Records and signatures. If you decide not to use Electronic Records and signatures in connection with the new product or service, your decision does not mean you have withdrawn this consent for any other of our Products or Services.
4. You may withdraw your consent at any time; Consequences of withdrawing consent; How to give notice of withdrawal.
You have the right to withdraw your consent at any time. Please be aware, however, that withdrawal of consent may result in the termination of:
- your access to our Electronic Services, including your BuildCredit loan dashboard; and
- your ability to use certain BuildCredit products or services.
Your withdrawal of consent will become effective after we have had a reasonable opportunity to act upon it.
If you are receiving online account statements, the termination will cause paper statements to be mailed to you via the U.S. Postal Service or other courier. Depending on the specific BuildCredit product and/or service, if you withdraw consent we may charge higher or additional fees for that product or for services related to it, subject to applicable law. Please refer to the applicable agreement for any fee that may apply.
To withdraw your consent:
- You must contact us at 1-830-BLD-CRDT (1-830-253-2738). This may be done Monday through Friday from 8:00am - 8:00pm ET.
5. You must keep your email or electronic address current with us.
You must promptly notify us of any change in your email. To do so, sign into your BuildCredit account to update your contact information and change the email address on record. There may be other, special BuildCredit products for which we provide separate instructions to update your email.
6. Hardware and software you will need.
To receive Electronic Records, you must have access to:
- a Current Version (defined below) of an Internet browser we support. Such browsers include:
- Microsoft Edge, Version 79 or higher
- Firefox, Version 52 or higher
- Safari, Version 11.x or higher
- Google Chrome, version 70 or higher
- a connection to the Internet,
- a Current Version of a program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader),
- a computer and an operating system capable of supporting all of the above.
- You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records,
- an active email address; and
- a mobile phone capable of text messaging.
By “Current Version,” we mean a version of the software that is currently being supported by its publisher.
From time to time, we may offer services or features that require that your Internet browser be configured in a particular way, such as permitting the use of JavaScript or cookies. If we detect that your Internet browser is not properly configured, we will provide you with a notice and advice on how to update your configuration.
We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with Electronic Services.
7. Changes to hardware or software requirements.
If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain your Electronic Records, we will give you notice of the revised hardware or software requirements. Continuing to use Electronic Services after receiving notice of the change is reaffirmation of your consent.
8. Communications in languages other than English.
Please note, we are unable to fulfill and service BuildCredit Products in a language other than English. If you are not fluent in English, you should consider obtaining the services of an interpreter or taking other steps to ensure you understand the transaction before entering into it and to have any future English Communications explained to you.
Additional examples of Electronic Records covered by this ESIGN Consent Agreement include:
- This ESIGN Consent and any amendments;
- Our terms of use for online access to our Electronic Services, and all amendments to any of these agreements;
- Our Privacy Policy;
- All of the Communications related to any BuildCredit Product or Service, except for those excluded by the terms of this ESIGN Consent;
- All of the periodic account and activity statements, disclosures and notices we provide to you concerning your BuildCredit Products and Services;
- Agreements, statements, tax reporting statements (if you elect electronic delivery), service Notices, products and services offered by our Sponsor Bank.
- Any notice or disclosure regarding fees or assessments of any kind, including late fees and returned item fees;
- Notices of amendments to any of your agreements with us; and
- Other disclosures and notices that we are legally required to provide to you, or choose to provide to you in our discretion.
By clicking accept on the checkbox next to the hyperlink that brings you to this ESIGN, you are consenting to the use of Electronic Records and signatures.
Optional Electronic Funds Transfer Authorization
Version 2.0
Effective March 29th 2023
DownloadTable of Contents
Optional Electronic Funds Transfer Authorization
Definitions
- Electronic Fund Transfers Payments (“EFT Payments”) refer to payments made using automated clearing house transfers or debit card transactions.
By signing the Authorization, I agree to the following terms:
- Authorization: By signing below, I authorize you to automatically withdraw EFT Payments from my Account in the amount equal to my payments due under the Agreement (each a “Payment”) on such payment’s due date which can also be found in Section 11 below. I authorize you to automatically withdraw these Payments in the frequency noted below. If the due date falls on a Saturday, Sunday, or bank holiday, I authorized my Payments to be deducted on the next business day following the due date, and you will credit my Payments as if it had been received on the due date. I also authorize you to withdraw Payments for other amounts I owe under the Agreement when due, including late fee(s) in the amount stated in section 4 below, and returned item fees in the amount stated in section 3 below, subject to any notice required by the Electronic Fund Transfers Act and Regulation E and the terms of this Authorization. I agree to keep sufficient funds in the Account on the due date so that the Payments can be made in the required amount. You authorize us to re-attempt to withdraw Payments from my Account once for any single payment due that is not paid in full in connection with the first withdrawal attempt. I further authorize you to credit my Account through electronic fund transfers in the event any credit or refund is due to me under this Authorization or under the Agreement.
- Rejecting Payments: My failure to keep sufficient funds in the Account, or any declined debit card EFT Payments, will be an event of default under this Authorization and you will have the right to terminate this Authorization. I will be responsible for any EFT Payments that do not clear, as well as any dishonored check fees, including those that may be discovered after the Agreement is apparently paid off such as by refinancing or otherwise.
- Returned Items Fee: If my Payment is returned unpaid, I authorize you to make a one-time EFT Payment from my Account to collect a fee of {{nsf_fee}} with my regular monthly payment on the next scheduled payment due date.
- Late Payment Fee: If my monthly payment under the Agreement is untimely, I authorize you to make a one-time EFT Payment from my Account to collect a fee of {{late_fee}} with my regular monthly payment on the next scheduled payment due date for each payment that is late.
- Cancellation by Borrower: I can cancel this Authorization by giving you or my financial institution oral or written notice of the revocation at least three (3) business days before the date a Payment is scheduled to occur. I can contact you at 830-BLD-CRDT to cancel this Authorization within the following hours: Monday through Friday, 8:00 AM EST to 5:00 PM EST. Alternatively, I can mail in a written request of cancellation to the following address: 2200 N Federal Highway, Suite 223, Boca Raton, FL 33431.
- Verification and Correction. If there is any missing or erroneous information in or with my Agreement regarding my Account, I authorize you to verify and correct such information.
- Rights Regarding Varying Amounts: I have the right to receive notice of all EFT Payments that vary from the preauthorized amount, or from the previous EFT Payment amount at least ten (10) days before the scheduled date of transfer. Unless you contact us at help@buildcredit.com or call us 830-BLD-CRDT, however, you elect to have us provide notice of varying amounts only when a transfer differs from the most recent transfer by more than the value of two regular payments.
- Assignment: I agree that you may assign this Authorization and all rights and duties you have hereunder to any third party. I understand that my consent is not required for you to make an assignment under this Section 10.
- Bank Account Information: You may withdraw Payments in the preauthorized amount of {{amount_each_payment}} on the designated date(s) from the following Account:
Account Type | Account Number (Last Four) | Routing Number |
---|---|---|
{{payment_account_type}} | xxxx{{payment_account_last_four}} | {{payment_account_routing}} |
Payment to withdraw on the {{eft_due_day}} of each month
{{eft_agreement_date}}
Privacy Protect Addendum to MSA
Version 2.0
Effective November 14th 2023
DownloadSummary of changes
Table of Contents
Privacy Protect Addendum to MSA
Company and Client hereby agree to incorporate this Privacy Protect Addendum to MSA (the “Addendum”) containing the following terms and conditions (the “PIP Terms”) related to Personal Information Protection products, into and supplement the Master Services Agreement (“MSA”) and applicable Order. If these PIP Terms and the terms of the MSA conflict or are inconsistent, these PIP Terms shall govern and control strictly as it relates to Personal Information Protection products or services. Any capitalized terms used herein but not defined shall have the meanings ascribed to them in the MSA.
Terms and Conditions
- DEFINITIONS.
- “PIP Products,” “PIP Platform,” and “PIP Platform Services” shall mean Personal Information Protection products and/or services to let users discover and remove certain personal information that has been published by third-parties ("TP Data" as defined below), which is made available and provided through Company’s application program interface, software code, and applicable documentation.
- “TP Data” shall mean personal information that has been published by third-parties on certain data broker sites (each a "Data Broker Site").
- LICENSE.
- Subject to the terms and conditions of the MSA, Company grants Client a limited, revocable, non-exclusive, non-sublicensable, non-transferable license during the term to: (i) use the PIP Platform to develop, implement, and integrate interfaces to the TP Data with the Client service; and (ii) access and use the PIP Platform Services through the Client service and display TP Data on and through the Client service.
- Section 1.B.i. of the MSA shall remain in its entirety.
- APPROVAL. Prior to Client’s use of or incorporation of any TP Data with the Client service, Client will provide Company with examples of the proposed use of the TP Data in the Client service for the Company’s prior approval, which it may give in its sole discretion.
- CONTENT REMOVAL. Client will promptly remove and not archive or display any TP Data that has been removed by Company or for which Company has notified Client that such TP Data must be removed.
- TECHNICAL RESTRICTIONS. Company reserves the right to limit the number and/or frequency of API calls, access and use in its sole discretion. Client shall not exceed any such limitations provided by Company. If Company believes that Client has attempted to exceed or circumvent these limitations, Company may suspend or block Client’s access to the PIP Platform.
- NO BENCHMARKING. Client will not use or access the PIP Platform for purposes of monitoring the availability, performance or functionality of the PIP Platform Services or for any other benchmarking or competitive purposes.
- NO INTERFERENCE. Client may not use the PIP Platform to: (i) engage in a business activity that directly conflicts with, or places Client in a conflicting position to that of Company or with the PIP Platform Services, or that may reasonably be deemed to be intended to divert and/or drive audience traffic away from Company, or (ii) except as expressly authorized herein, develop (or instruct any third party to develop) a service that may reasonably be deemed to be competitive with the PIP Platform Services.
- ATTRIBUTION. In connection with the use of the PIP Platform Services and display of any TP Data, Client shall include the Company logo. If Client includes the Company logo, Client agrees to include a hyperlink(s) to the Company website (or other site as Company may specify) and to not place any Company links within JavaScript or rich internet applications (e.g., flash, AJAX or images) or otherwise interfere with the operation of the Company links.
- SUPPORT. Company shall not be required to provide any support or guarantee of uptime unless otherwise agreed in an applicable Order.
- NO GUARANTEE.
- Company does not guarantee that the Client service will find a user’s online personal information within the TP Data, or that it will scan all Data Broker Sites if a user’s online personal information is not present. Company does not guarantee that the Client service will be effective, that an Opt-out request will be honored or responded to, or that all Opt-out requests for a user’s online personal information will be equivalent. Company does not guarantee that an Opt-out request will prevent all or any future uses or disclosures of a user’s online personal information by a Data Broker Site, that Company will identify all instances of a user’s online personal information that are eligible for Opt-out, or that the Data Broker Sites will not retain copies of a user’s online personal information.
- Some of the Data Broker Sites may have multiple databases and may acquire and aggregate personal information about individuals on an ongoing basis. The Opt-out request Company submits on a user’s behalf may not be effective for all sources of online personal information maintained by the Data Broker Sites, or for online personal information acquired by the Data Broker Sites after Company submits the Opt-out request. In addition, Company may not locate all entries or the correct entries of a user’s online personal information that are eligible for Opt-out. Not all of these Data Broker Sites offer the same type of Opt-out options. Further, in some instances, even if Company is able to effectively submit an Opt-out request on a user’s behalf to a Data Broker Site, that Data Broker Site may still maintain users’ online personal information in its records. In other instances, a Data Broker Site may fail to honor or properly respond to an Opt-out request.
- Client understands and agrees that Company is not responsible for the actions or inactions of any of these Data Broker Sites, and that Company makes no representations, warranties or guarantees related to such Data Broker Sites. Client expressly agrees that Company will not be liable to Client or Client’s users under any circumstances for any actions or inactions of these Data Broker Sites, or for Company’s failure for any reason to exercise effective Opt-outs on a user’s behalf. Client understands and agrees that Company is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
- LIMITED AUTHORITY TO ACT ON CONSUMER’S BEHALF. In order to make an Opt-out request, Company may need to interact with Data Broker Sites on users’ behalf. Client agrees to include in its Terms and Conditions language that expressly authorizes Client, its agents, servicers, and its employees, to act as a user’s personal representative in order to submit Opt-out requests to Data Broker Sites and:
- obtain information on user’s behalf;
- submit user’s personal information to the Data Broker Sites;
- communicate with the Data Broker Sites or other third parties on user’s behalf;
- agree to applicable terms and conditions imposed by these Data Broker Sites;
- complete and sign or execute documents on user’s behalf; and
- take other actions that Client believes is reasonably necessary to complete an Opt-out request from a Data Broker Site or to implement the Client service.
Service Order Feature Descriptions
Version 1.2
Effective November 15th 2024
DownloadSummary of changes
Table of Contents
Feature | Product Family | Feature Description |
$1M Insurance + Restoration | Identity Protect | Up to $1M of identity restoration protection against identity theft. |
Change of Address Monitoring | Identity Protect | Detect an alert when there has been an unauthorized change of address & subsequent re-directing of mail. |
Dark Web Monitoring | Identity Protect | Scan the web for fraudulent use of your personal information. (aka Datasweep monitoring on IDCS) |
SSN Monitoring | Identity Protect | Detect and prevent common identity theft events outside what is on your credit report. |
Authentication | My Credit Manager | Knowledge based authentication. |
Credit Alerts | My Credit Manager | Receive alerts when your credit profile changes. Alerts are sent when bureau sends and displayed in the component. |
Credit Protection | My Credit Manager | Provide guidance on how to place credit freezes with the major credit bureaus. |
Credit Report | My Credit Manager | Receive a full credit report from a bureau. |
Debt Analysis | My Credit Manager | Display total balance, monthly payment and debt-to-income ratio calculator. |
Disputes | My Credit Manager | Directly Dispute a tradeline with the bureau, submit reasons for dispute, and hear back on status of the dispute with a new report pull via our api. Enroll and cancel dispute enrollment as well with the api. |
Enhanced Credit Alerts | My Credit Manager | Bureau specific credit alerts, include additional credit monitoring activity tracking for users. |
Score | My Credit Manager | View a credit score from a bureau. |
Score Details | My Credit Manager | Get factors that impact credit score. |
Score Insights (f/k/a Score Factors) | My Credit Manager | Get detailed insights into the six major credit score factors. |
Score Ingredients | My Credit Manager | Score Factors equivalent product for FICO scoring |
Score Simulator | My Credit Manager | See how credit scores might be impacted by future actions or behavior. |
Score Tracker | My Credit Manager | Uses the retrieve score endpoint to show users a history of their score in the experience for every report refresh the user interacted with. |
Snapshot | My Credit Manager | Quickview product, currently only actively sold powered with TUI. Provides a "snapshot" of your credit report. |
Subscription Manager Addendum to MSA
Version 2.0
Effective December 10th 2024
DownloadSummary of changes
Table of Contents
Subscription Manager Addendum to MSA
The provision of Subscription Manager by Company to Client pursuant to the Subscription Manager terms and conditions set forth below (the “Subscription Manager Terms”) shall be subject to the terms and conditions of the Master Services Agreement between Company and Client that governs the provision of the Platform and Platform Services (the “MSA”) and any applicable Order. If these Subscription Manager Terms and the terms of the MSA or Order conflict or are inconsistent, these Subscription Manager Terms shall govern and control strictly as it relates to the provision of Subscription Manager provided by Company.
- Subscription Manager Terms.
- These Subscription Manager Terms apply to the Subscription Manager products and services provided to Client (referred to herein collectively as the “SM Services”). These Subscription Manager Terms form a contract (the “Addendum”) that governs the relationship between Array US, Inc. and its Affiliates (referred to herein as “us” or “our”) with any individual, including Subscribers, or business (referred to herein as “you” or “Client”) that accesses, uses, requests, or receives the SM Services. Our third-party providers (each referred to herein as “Contractor”), including The Bill Reduction Company, LLC, and Plaid Inc., are third-party beneficiaries to this Addendum.
- Our privacy policy located at https://array.com/legal/#privacy (the “Privacy Policy”) describes how we collect and use personal and non-personal information when you request the SM Services, and should be read together with the MSA, applicable Order, and this Addendum. By using the SM Services, you are agreeing that we may use information collected through the SM Services in accordance with the Privacy Policy.
- The Services are made available to you only on the condition that you agree to be bound by the current Subscription Manager Terms. If you do not agree, do not access or use the SM Services. You may only use the SM Services in compliance with these Subscription Manager Terms and all Applicable Laws, rules, and regulations. If you reside in a jurisdiction that restricts the use of internet-based applications or the ability to enter into contracts such as this Addendum according to age or for any other reason, and you are under such age limit or subject to such other restriction, you are not permitted to use the SM Services. By using the SM Services, you are representing that you have the legal capacity and authority to enter into this Addendum, and that you have reviewed, understand, and accept this Addendum without limitation or qualification. If you are accepting this Addendum on behalf of a company, organization, or other legal entity, you represent and warrant that you are authorized to do so. You further understand that by selecting SM Services for purchase and entering personal information where prompted, you are submitting an electronic signature and entering into a legally binding contract with us for the purchase of such SM Services.
- We may modify the Addendum or MSA from time to time by notifying you of such modifications by any reasonable means as specified in the MSA. Your continued use of the SM Services after any such changes indicates your acceptance of the modifications. Note that any such modifications will not apply retroactively to any dispute between you and us arising prior to the date on which we posted the revisions or otherwise notified you of the changes.
- Services Description.
- Our SM Services include cancelling memberships or subscriptions (a ”Subscription Cancellation”) on Subscriber’s behalf with certain companies that provide the Subscriber with products paid for on a recurring basis, such as memberships, subscriptions, telecommunications, internet, cable, satellite, and security companies (the “Providers”). The SM Services may also include the presentation of other related services designed to help you save money. We reserve the right to determine and modify the SM Services we offer in our sole discretion.
- Required Consumer Authorization.
- Subscriber Agreement. Unless otherwise allowed under Applicable Laws, each Subscriber shall be required to enter into an agreement or provide other authorization containing certain terms and conditions related to the access and/or use of the Subscriber’s Data, and when and where required, shall, include disclosures similar to those set forth herein (the "Subscriber SM Disclosures"). Such Subscriber SM Disclosures shall govern the Subscriber's consent and access to, use, and distribution of the Data and related Products, as well as the Subscriber's affirmation of such consent. The Subscriber SM Disclosures (samples provided below) may be amended and/or updated by the Company, or as required by a Data Provider or Contractor from time to time, and to the extent applicable to the Client’s use of the Platform or Platform Services, Client agrees to make similar modifications or changes to the Subscriber SM Disclosures and the verbiage therein as Company, or a Data Provider or Contractor, may request.
- Sample Subscriber SM Disclosures.
- “By signing up for our Subscription Manager Services and submitting personal information, you are granting us (which includes any third-parties that assist in the provision of the services) permission to negotiate with your Provider(s) on your behalf. You hereby acknowledge and agree that we are authorized to use the information you provide to communicate with the applicable Provider to cancel the services and/or features that you receive from the Provider, in accordance with these Subscription Manager Terms. After the Subscription Manager Services have been performed, your Provider may limit your ability to revert to a prior plan."
- “Your Provider may require your verbal confirmation or additional information to verify that we (which includes any third-parties that assist in the provision of the services) are acting as your agent. If this is the case, we won’t be able to perform the Subscription Manager Services until you provide the additional information or confirmation in accordance with the method required by the Provider. In some instances, it may be necessary for our agents to represent to the Provider that they are the account holder in order to perform the Subscription Manager Services, and you consent to such representation for the sole purpose of performing the Subscription Manager Services.”
- “Please remember that you may not sign up for Subscription Manager Services unless you have the authority to make changes to the applicable account with the Provider and to grant that authority to us (which includes any third-parties that assist in the provision of the services). By requesting these Subscription Manager Services you represent and warrant that you have such authority. If you are not the account holder and you sign up for Subscription Manager Services as an authorized representative of the account holder, you will be jointly and severally liable with the account holder for the fees incurred for the Subscription Manager Services you request. You will be personally liable for all fees incurred or damages that result from signing up for Subscription Manager Services without proper authorization, and also agree to indemnify us for any damages we may incur as a result.”
- Provision and Use of Information.
- In order to receive SM Services, Subscriber must provide us with the information we need to perform the SM Services. For SM Services, this information includes the account holder’s name, requestor’s name and relationship to the account holder (if different), and respective addresses, phone numbers, and email addresses, the name of the Provider, Provider account number, the applicable password, pin number, or other security credentials to access the account, and any other specific information Provider may require for us to make changes to your account. If we already have any of this information, you agree that we may provide this information directly to our Contractor for the performance of the SM Services.
- You also agree to provide us with any additional information relevant to the Subscription Cancellation, including notifying us if you signed up for the product within the past year or are planning to cancel or switch Providers within the next year. We may decline to provide the requested SM Services based on the information provided in our sole discretion.
- You represent and warrant that all of the information you provide to us is accurate, complete, and correct. You agree that we may rely upon and share your information with our Contractor, agents, Providers, and otherwise as necessary in order to offer, provide, and track the SM Services. Subscriber personal information will only be used in the manner and for the purposes set forth in our Privacy Policy.
- Payment for Services.
- The SM Services are subject to the Fees as specified in an applicable Order. We may from time to time offer you other types of SM Services. In such event, the specific pricing and any additional terms for such SM Services will be communicated to you with such offer. All amounts are in US Dollars unless otherwise noted.
- You agree to pay all Fees for the SM Services we furnish to you pursuant to this Addendum. We will inform you via email when your SM Services have been completed, and again when your invoice is available. The invoice will include the amounts due for the SM Services (the “Fees”) and the payment due date.
- We reserve the right to collect your payment information in advance of performing the SM Services, and to charge such payment method for the total Fees due unless you elect to pay sooner or choose a payment plan. By providing a payment method to us for payment of the SM Services, you authorize us to use such payment method for payment of all amounts owed to us hereunder, including for additional SM Services or a payment plan provided pursuant to this Addendum. You further authorize us to use a third party to process payments, and consent to the disclosure of your payment information to such third party. We may determine and modify what payment methods we accept from time to time in our sole discretion.
- If you dispute the amounts you are invoiced or are dissatisfied with the SM Services for any reason, you agree to contact us in writing, describe in reasonable detail the facts and circumstances which are the basis for such dissatisfaction or dispute, and cooperate with us in good faith to provide us the opportunity to remedy the situation or issue a refund before requesting a chargeback or making a complaint or filing a claim against us. If you do not notify us of your dispute of our invoice for the SM Services within thirty (30) days from the date of such invoice, the invoice will be deemed accepted and valid.
- All amounts payable under this Agreement are exclusive of all sales, use, value-added, withholding, and other taxes and duties. You are responsible for paying any such taxes and duties assessed in connection with this Agreement by any authority within or outside of the U.S., except for taxes payable on our net income.
- Cancellation of Services and Agreement Termination.
- We may decline to accept a request for SM Services or may elect to stop performing SM Services for you or Subscriber at any time in the exercise of our sole discretion.
- We may terminate the SM Services, an Order, and/or the MSA at any time and stop providing the SM Services without penalty or liability. We reserve the right to pursue all other available remedies in addition to termination in the event of breach of this Addendum.
- This Addendum will become effective upon first use of the SM Services, and thereafter will continue until such time as when you no longer use the SM Services or the Addendum is terminated as permitted herein.
- Disclaimers.
- The SM Services are not intended to, and do not, constitute legal, professional, or financial advice, are not intended to be a substitute for such advice, and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees performing the SM Services are not authorized to provide any such advice or make any claims of guaranteed savings or representations of expected results on our behalf. No written or verbal statement from our representatives shall supplement or amend the MSA, an Order, or this Addendum. We do not guarantee that any savings or particular outcome will be achieved through the SM Services.
- Remedies.
- If you are dissatisfied with the SM Services, your sole and exclusive remedy is to terminate the Order or SM Services, as applicable, and seek a refund of the Fees paid for such SM Services through the process described in this Addendum.
- Indemnity.
- You will indemnify and hold us, our Contractors, and our respective directors, officers, members, shareholders, employees, agents, representatives, and vendors harmless with respect to any suits, claims, demands, damages, and losses (including reasonable attorneys’ fees) arising out of (i) your breach of this Agreement or any representation or warranty herein contained; (ii), any infringement by you of the copyright or intellectual property rights of any third party; (iii) your use or misuse of the Platform Services, including SM Services; (iv) your violation of Applicable Laws, rules or regulations in connection with your use of the SM Services; (v) our use and reliance on information or content provided by you or Subscriber pursuant to this Addendum; or (vi) any data or content that you or Subscriber submit, post, or otherwise provide to us.
- Miscellaneous.
- Our Contractors are third party beneficiaries to this Addendum. No provision of this Addendum provides any other person or entity not a party to this Addendum with any remedy, claim, liability, reimbursement, or cause of action or creates any other third party beneficiary rights.
- The headings contained in this Addendum are for reference purposes only and shall not affect in any way the meaning or interpretation of this Addendum.
- This Addendum, including the MSA and any applicable Order, constitutes the entire agreement between you and us regarding the SM Services and supersedes any prior agreements between you and us and any and all prior or contemporaneous statements, understandings, writings, commitments, or representations concerning its subject matter. This Addendum can only be amended by us, as provided in this Addendum or the MSA. No written or verbal statement, advertisement, or product description will contradict, interpret, or supplement this Addendum.
- This Addendum may be published in a number of languages for information purposes and ease of access by customers. It is only the English version that is the legal basis of the relationship between you and us, and in case of any discrepancy between a non-English version and the English version of this Addendum, the English version shall prevail.
Payoff Letter
Version 2.0
Effective June 9th 2023
DownloadTable of Contents
Payoff Date | Original Loan Amount | Administrative Fee | APR | Interest Charges | Total Payments | Total Disbursement |
{{payoffDate}} | ${{amount_financed}} | ${{admin_fee}} | {{apr}} | ${{interest}} | ${{totalOfPayments}} | ${{amount_financed}} |
Debt Manager Addendum to MSA
Version 1.1
Effective August 25th 2023
DownloadSummary of changes
Table of Contents
Debt Manager Addendum to MSA
The provision of Debt Manager by Company to Client pursuant to the Debt Manager terms and conditions set forth below (the “Debt Manager Terms”) shall be subject to the terms and conditions of the Master Services Agreement between Company and Client that governs the provision of the Platform and Platform Services (the “MSA”) and any applicable Order. If these Debt Manager Terms and the terms of the MSA or Order conflict or are inconsistent, these Debt Manager Terms shall govern and control strictly as it relates to the provision of Debt Manager provided by Company.
- Debt Manager Terms.
- These Debt Manager Terms apply to the Debt Manager products and services provided to Client (referred to herein collectively as the “DM Services”). These Debt Manager Terms form a contract (the “Addendum”) that governs the relationship between Array US, Inc. and its Affiliates (referred to herein as “us” or “our”) with any individual, including Subscribers, or business (referred to herein as “you” or “Client”) that accesses, uses, requests, or receives the DM Services. Our third-party providers, including Forward Lending, Inc. d/b/a Method Financial (each referred to herein as “Contractor”), are third-party beneficiaries to this Addendum.
- Our privacy policy located at https://array.com/legal/#privacy (the “Privacy Policy”) describes how we collect and use personal and non-personal information when you request the DM Services, and should be read together with the MSA, applicable Order, and this Addendum. By using the DM Services, you are agreeing that we may use information collected through the DM Services in accordance with the Privacy Policy.
- The Services are made available to you only on the condition that you agree to be bound by the current Debt Manager Terms, including all restrictions provided herein. If you do not agree, do not access or use the DM Services. The following apply to access to, and use of, the DM Services:
- You may only use the DM Services in compliance with these Debt Manager Terms and all Applicable Laws, rules, and regulations;
- Client Subscribers must be a resident of the United States;
- If you reside in a jurisdiction that restricts the use of internet-based applications or the ability to enter into contracts such as this Addendum according to age or for any other reason, and you are under such age limit or subject to such other restriction, you are not permitted to use the DM Services;
- By using the DM Services, you are representing that you have the legal capacity and authority to enter into this Addendum, and that you have reviewed, understand, and accept this Addendum without limitation or qualification;
- If you are accepting this Addendum on behalf of a company, organization, or other legal entity, you represent and warrant that you are authorized to do so;
- You further understand that by selecting DM Services for purchase and entering personal information where prompted, you are submitting an electronic signature and entering into a legally binding contract with us for the purchase of such DM Services; and
- Terms and conditions of Method Financial (“Method”) at https://methodfi.com/legal/terms) and their privacy policy at https://methodfi.com/legal/privacy).
- We may modify the Addendum or MSA from time to time by notifying you of such modifications by any reasonable means as specified in the MSA. Your continued use of the DM Services after any such changes indicates your acceptance of the modifications. Note that any such modifications will not apply retroactively to any dispute between you and us arising prior to the date on which we posted the revisions or otherwise notified you of the changes.
- Services Description.
- Our DM Services include obtaining the latest available information on tradelines in the Subscriber’s credit report from banks, banking cores, lenders, creditors, and other financial institutions (the “Banks”) upon Subscriber’s consent. Client shall coordinate with Company regarding these tradeline information exchanges to present the information to the Subscribers via the Client’s Subscriber interface for Subscriber education purposes. The DM Services may also include the presentation of other related services designed to help Subscribers manage their credit health. We reserve the right to determine and modify the DM Services we offer in our sole discretion.
- Required Consumer Authorization.
- Subscriber Agreement. Unless otherwise allowed under Applicable Laws, each Subscriber shall be required to enter into an agreement or provide other authorization containing certain terms and conditions related to the access and/or use of the Subscriber’s Data, and when and where required, shall, include disclosures similar to those set forth herein (the "Subscriber DM Disclosures"). Such Subscriber DM Disclosures, in conjunction with applicable terms in the MSA, shall govern the Subscriber's consent and access to, use, and distribution of the Data and related Products, as well as the Subscriber's affirmation of such consent. The Subscriber DM Disclosures (samples provided below) may be amended and/or updated by the Company, or as required by a Data Provider or Contractor from time to time, and to the extent applicable to the Client’s use of the Platform or Platform Services, Client agrees to make similar modifications or changes to the Subscriber DM Disclosures and the verbiage therein as Company, or a Data Provider or Contractor, may request.
- Sample Subscriber DM Disclosures.
- Sample Web Page Disclaimer 1: “You understand that by [checking this box and] clicking on the ‘I Accept’ button below, you agree to the terms and conditions (including those of our service providers such as Method Financial (“Method”) at https://methodfi.com/legal/terms), acknowledge receipt of our privacy policy (including those of our service providers such as Method at https://methodfi.com/legal/privacy), and you are providing ‘written instructions’ under the FCRA to [Client] authorizing [Client] to obtain information from your personal credit profile from each credit reporting agency and the financial institutions indicated by you and in your credit report. Method will use this information solely in connection with identifying and obtaining data on your liability/debt accounts such as account number, type, balance, interest rate, payoff information, late fees, payment history, etc. ("Enhanced Data"). You authorize [Client] to obtain such information solely to confirm your identity and display your credit data and Enhanced Data to you.”
- Terms and Conditions Disclaimer: “You understand that by clicking on the "I Accept" button and signing up for services, you are providing "written instructions" to [Client] and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, applicable financial institutions, lenders, creditors, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency, as well as financial institutions, lenders, creditors, and service providers, or any of their third parties, and to exchange information about you with each such entities in order to verify your identity and to provide the products and/or services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. You waive any and all claims against Company and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. Your further authorize Company and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts. Further, Method Financial ("Method"), a third party service provider, will use this information solely in connection with identifying and obtaining data on your liability/debt accounts such as account number, type, balance, interest rate, payoff information, late fees, payment history, etc. ("Enhanced Data"). The Enhanced Data shall be used to provide the products and/or services to you. Company may use Method to validate your identity and prevent fraud using information from your wireless carrier. Solely for these purposes, you agree that we can provide information about you to Method or its service provider(s), and that your wireless carrier may disclose information about you to Method or its service provider(s).”
- Privacy Policy/Terms and Conditions Disclaimer: “While enrolling for the products and/or services, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, financial institutions, creditors, lenders, payment validation companies, law enforcement agencies, or others.”
- Payment for DM Services.
- All amounts payable under this Addendum are subject to the terms provided in the MSA and exclusive of all sales, use, value-added, withholding, and other taxes and duties. You are responsible for paying any such taxes and duties assessed in connection with this Agreement by any authority within or outside of the U.S., except for taxes payable on our net income.
- Disclaimers.
- The DM Services are not intended to, and do not, constitute legal, professional, or financial advice, are not intended to be a substitute for such advice, and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees providing the DM Services are not authorized to provide any such advice or make any claims of guaranteed savings, debt settlement benefits, or representations of expected results on our behalf. No written or verbal statement from our representatives shall supplement or amend the MSA, an Order, or this Addendum. We do not guarantee that any savings, settlement, or particular outcome will be achieved through the DM Services.
- Indemnity.
- You will indemnify and hold us, our Contractors, and the respective directors, officers, members, shareholders, employees, agents, representatives, and vendors of each harmless with respect to any suits, claims, demands, damages, and losses (including reasonable attorneys’ fees) arising out of (i) your breach of this Agreement or any representation or warranty herein contained; (ii), any infringement by you of the copyright or intellectual property rights of any third party; (iii) your use or misuse of the Platform Services, including DM Services; (iv) your violation of Applicable Laws, rules or regulations in connection with your use of the DM Services; (v) our use and reliance on information or content provided by you or Subscriber pursuant to this Addendum; or (vi) any data or content that you or Subscriber submit, post, or otherwise provide to us.
- Subscriber Support.
- Client Support Services are not included in the scope of services provided by Company. You shall be responsible for providing Client Support Services, which shall include, but not necessarily be limited to, agents focused on managing inquiries relative to (a) subscription or billing status; (b) password ID/account lockouts; (c) questions regarding your products and features; and (d) issue triage to determine if any issues involve questions that require escalation to Company Support Services.
- Company Support Services shall be provided by Company or its agents to you and/or your Subscribers as necessary. Company Support Services will provide comprehensive services throughout the issue resolution process, including one-on-one guidance to you or your Subscribers to address issues resulting from the use of or access to the Products.
- Miscellaneous.
- Our Contractors are third party beneficiaries to this Addendum. No provision of this Addendum provides any other person or entity not a party to this Addendum with any remedy, claim, liability, reimbursement, or cause of action or creates any other third party beneficiary rights.
- The headings contained in this Addendum are for reference purposes only and shall not affect in any way the meaning or interpretation of this Addendum.
- This Addendum, including the MSA and any applicable Order, constitutes the entire agreement between you and us regarding the DM Services and supersedes any prior agreements between you and us and any and all prior or contemporaneous statements, understandings, writings, commitments, or representations concerning its subject matter. This Addendum can only be amended by us, as provided in this Addendum or the MSA. No written or verbal statement, advertisement, or product description will contradict, interpret, or supplement this Addendum.
- This Addendum may be published in a number of languages for information purposes and ease of access by customers. It is only the English version that is the legal basis of the relationship between you and us, and in case of any discrepancy between a non-English version and the English version of this Addendum, the English version shall prevail.
MyCredit Manager Addendum
Version 1.0
Effective November 13th 2023
DownloadSummary of changes
Table of Contents
MyCredit Manager Addendum to MSA
- MYCM Terms.
- These MYCM Terms apply to the MyCredit Manager products and services provided to Client (referred to herein collectively as the “MYCM Services”). These MYCM Terms form a contract (the “Addendum”) that governs the relationship between Array US, Inc. and its Affiliates (referred to herein as “us” or “our”) with any individual, including Subscribers, or business (referred to herein as “you” or “Client”) that accesses, uses, requests, or receives the MYCM Services. Our third-party providers are third-party beneficiaries to this Addendum.
- Our privacy policy located at https://array.com/legal/#privacy (the “Privacy Policy”) describes how we collect and use personal and non-personal information when you request the MYCM Services, and should be read together with the MSA, applicable Order, and this Addendum. By using the MYCM Services, you are agreeing that we may use information collected through the MYCM Services in accordance with the Privacy Policy.
- The Services are made available to you only on the condition that you agree to be bound by the current MYCM Terms, including all restrictions provided herein. If you do not agree, do not access or use the MYCM Services. The following apply to access to, and use of, the MYCM Services:
- You may only use the MYCM Services in compliance with these MyCredit Manager Terms and all Applicable Laws, rules, and regulations;
- If you reside in a jurisdiction that restricts the use of internet-based applications or the ability to enter into contracts such as this Addendum according to age or for any other reason, and you are under such age limit or subject to such other restriction, you are not permitted to use the MYCM Services;
- By using the MYCM Services, you are representing that you have the legal capacity and authority to enter into this Addendum, and that you have reviewed, understand, and accept this Addendum without limitation or qualification;
- If you are accepting this Addendum on behalf of a company, organization, or other legal entity, you represent and warrant that you are authorized to do so; and
- You further understand that by selecting MYCM Services for purchase and entering personal information where prompted, you are submitting an electronic signature and entering into a legally binding contract with us for the purchase of such MYCM Services.
- We may modify the Addendum or MSA from time to time by notifying you of such modifications by any reasonable means as specified in the MSA. Your continued use of the MYCM Services after any such changes indicates your acceptance of the modifications. Note that any such modifications will not apply retroactively to any dispute between you and us arising prior to the date on which we posted the revisions or otherwise notified you of the changes.
- Services Description.
- Our MYCM Services include obtaining the latest available information in the Subscriber’s credit report for credit education purposes upon Subscriber’s consent. Client shall coordinate with Company regarding the information exchanges to present the information to the Subscribers via the Client’s Subscriber interface for Subscriber education purposes. The MYCM Services may also include the presentation of other related services designed to help Subscribers manage their credit health. We reserve the right to determine and modify the MYCM Services we offer in our sole discretion.
- Obligations under the FCRA.
- Where Client has access to and uses a consumer report (as defined in the FCRA), Client must abide by the certain rules set forth under the Fair Credit Reporting Act (FCRA). The Notice to Users of Consumer Reports: Obligations of Users Under the FCRA is available athttps://array.com/company/notice.
- Client Branding and Marketing.
- Marketing Restrictions.
- Client agrees that it shall not use the terms and/or phrases listed below in any marketing and/or advertising of the Data and related Products, nor use such Data or related Products for any form of credit repair (as such term is interpreted under Applicable Laws as defined in Section 5):
- Client must not use the following terms, "improve," "enhance," "boost," "raise," or "increase" in the same phrase as "score" or "rating,"
- Client must not use the phrases "credit repair," "credit rebuilding," "credit fix," "repair your credit," "fix your credit," or combinations of those words.
- Client must not use the terms "advice," "tips," "suggestions" or "instructions" in or near the same phrase as "improving," "enhancing," "boosting," "raising" or "increasing" a credit score or credit rating.
- When making a statement about the performance of analytic tools available in conjunction with the Products (e.g., a score simulator), marketing and advertising materials must not suggest that a simulated score (or its equivalent) is “always” predictive of one's actual score.
- Client is responsible for all marketing efforts pertaining to its use and access to the Data and related Products. Solely to the extent necessary for Company to comply with Applicable Laws or Data Provider requirements, Client acknowledges that the Company may request that Client submit for approval, which approval will not be unreasonably withheld, conditioned or delayed, on any and all brochures, press releases, internet postings, marketing, advertising promotional or any other materials to be used by Client in conjunction with the marketing of the Data and/or Products.
- Client agrees that it shall not use the terms and/or phrases listed below in any marketing and/or advertising of the Data and related Products, nor use such Data or related Products for any form of credit repair (as such term is interpreted under Applicable Laws as defined in Section 5):
- Client Branding. Client is responsible for providing its own branding, including trade names, trademarks, service marks and logos, as well as securing a URL for use with the Platform and the Products. Client is solely responsible for securing a URL via a registrar service, as well as clearing and registering any trade names, trademarks, service marks and logos, trademark or other intellectual property rights or concerns connected with a brand or URL.
- Client Website. Company may (i) provide access to pre-coded web styling and features for Client to build a website with Platform integration and access to the Products, or (ii) deliver a Company hosted website to be developed and managed by Client. In either instance provided herein, Client shall be fully responsible for website compliance with all Applicable Laws, rules, and regulations including but not limited to those relating to terms of use, privacy policies, and ADA accessibility. Company may collect, use, share, sell and store data made available via the website solely in connection with the Platform and in accordance with the Agreement and all Applicable Laws.
- Marketing Restrictions.
- Required Consumer Authorization.
- Subscriber Agreement. Unless otherwise allowed under Applicable Laws, each Subscriber shall be required to enter into an agreement or provide other authorization containing certain terms and conditions related to the access and/or use of the Subscriber’s Data, and when and where required, shall, include disclosures similar to those set forth herein (the "MYCM Disclosures"). Such Subscriber MYCM Disclosures, in conjunction with applicable terms in the MSA, shall govern the Subscriber's consent and access to, use, and distribution of the Data and related Products, as well as the Subscriber's affirmation of such consent. The Subscriber MYCM Disclosures (samples provided below) may be amended and/or updated by the Company, or as required by a Data Provider or Contractor from time to time, and to the extent applicable to the Client’s use of the Platform or Platform Services, Client agrees to make similar modifications or changes to the Subscriber MYCM Disclosures and the verbiage therein as Company, or a Data Provider or Contractor, may request.
- Sample Subscriber MYCM Disclosures.
- Sample Web Page Disclaimer 1: “You understand that by [checking this box and] clicking on the ‘I Accept’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and you are providing ‘written instructions’ under the FCRA to [Client] authorizing [Client] to obtain information from your personal credit profile from each credit reporting agency. You authorize [Client] to obtain such information solely to confirm your identity and display your credit data to you.”
- Sample Web Page Disclaimer 2:“By [checking this box and] clicking on the ‘I Authorize’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and agree to its terms, and confirm your authorization for [Client] to obtain your credit profile from any consumer reporting agency to display to you, to confirm your identity to avoid fraudulent transactions in your name, and to enable any consumer reporting agency to monitor your credit for changes.”
- Terms and Conditions Disclaimer: ““You understand that by clicking on the "I Accept" button and signing up for services, you are providing "written instructions" to [Client] and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the products and/or services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time, You waive any and all claims against Company and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. Your further authorize Company and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.”
- Privacy Policy/Terms and Conditions Disclaimer: “While enrolling for the products and/or services, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.”
- Payment for MYCM Services.
- All amounts payable under this Addendum are subject to the terms provided in the MSA and exclusive of all sales, use, value-added, withholding, and other taxes and duties. You are responsible for paying any such taxes and duties assessed in connection with this Agreement by any authority within or outside of the U.S., except for taxes payable on our net income.
- Disclaimers.
- The MYCM Services are not intended to, and do not, constitute legal, professional, or financial advice, are not intended to be a substitute for such advice, and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees providing the MYCM Services are not authorized to provide any such advice or make any claims of guaranteed savings, debt settlement benefits, or representations of expected results on our behalf. No written or verbal statement from our representatives shall supplement or amend the MSA, an Order, or this Addendum. We do not guarantee that any savings, settlement, or particular outcome will be achieved through the MYCM Services.
- Subscriber Support.
- Client Support Services are not included in the scope of services provided by Company. You shall be responsible for providing Client Support Services, which shall include, but not necessarily be limited to, agents focused on managing inquiries relative to (a) subscription or billing status; (b) password ID/account lockouts; (c) questions regarding your products and features; and (d) issue triage to determine if any issues involve questions that require escalation to Company Support Services.
- Company Support Services shall be provided by Company or its agents to you and/or your Subscribers as necessary. Company Support Services will provide comprehensive services throughout the issue resolution process, including one-on-one guidance to you or your Subscribers to address issues resulting from the use of or access to the Products.
- Miscellaneous.
- Our Contractors are third party beneficiaries to this Addendum. No provision of this Addendum provides any other person or entity not a party to this Addendum with any remedy, claim, liability, reimbursement, or cause of action or creates any other third party beneficiary rights.
- The headings contained in this Addendum are for reference purposes only and shall not affect in any way the meaning or interpretation of this Addendum.
- This Addendum, including the MSA and any applicable Order, constitutes the entire agreement between you and us regarding the MYCM Services and supersedes any prior agreements between you and us and any and all prior or contemporaneous statements, understandings, writings, commitments, or representations concerning its subject matter. This Addendum can only be amended by us, as provided in this Addendum or the MSA. No written or verbal statement, advertisement, or product description will contradict, interpret, or supplement this Addendum.
- This Addendum may be published in a number of languages for information purposes and ease of access by customers. It is only the English version that is the legal basis of the relationship between you and us, and in case of any discrepancy between a non-English version and the English version of this Addendum, the English version shall prevail.
Identity Protect Addendum
Version 1.0
Effective November 13th 2023
DownloadSummary of changes
Table of Contents
Identity Protect Addendum to MSA
- ID Protect Terms.
- These ID Protect Terms apply to the Identity Protect products and services provided to Client (referred to herein collectively as the “IDP Services”). These ID Protect Terms form a contract (the “Addendum”) that governs the relationship between Array US, Inc. and its Affiliates (referred to herein as “us” or “our”) with any individual, including Subscribers, or business (referred to herein as “you” or “Client”) that accesses, uses, requests, or receives the IDP Services. Our third-party providers are third-party beneficiaries to this Addendum.
- Our privacy policy located at https://array.com/legal/#privacy (the “Privacy Policy”) describes how we collect and use personal and non-personal information when you request the IDP Services, and should be read together with the MSA, applicable Order, and this Addendum. By using the IDP Services, you are agreeing that we may use information collected through the IDP Services in accordance with the Privacy Policy.
- The Services are made available to you only on the condition that you agree to be bound by the current ID Protect Terms, including all restrictions provided herein. If you do not agree, do not access or use the IDP Services. The following apply to access to, and use of, the IDP Services:
- You may only use the IDP Services in compliance with these Identity Protect Terms and all Applicable Laws, rules, and regulations;
- If you reside in a jurisdiction that restricts the use of internet-based applications or the ability to enter into contracts such as this Addendum according to age or for any other reason, and you are under such age limit or subject to such other restriction, you are not permitted to use the IDP Services;
- By using the IDP Services, you are representing that you have the legal capacity and authority to enter into this Addendum, and that you have reviewed, understand, and accept this Addendum without limitation or qualification;
- If you are accepting this Addendum on behalf of a company, organization, or other legal entity, you represent and warrant that you are authorized to do so; and
- You further understand that by selecting IDP Services for purchase and entering personal information where prompted, you are submitting an electronic signature and entering into a legally binding contract with us for the purchase of such IDP Services.
- We may modify the Addendum or MSA from time to time by notifying you of such modifications by any reasonable means as specified in the MSA. Your continued use of the IDP Services after any such changes indicates your acceptance of the modifications. Note that any such modifications will not apply retroactively to any dispute between you and us arising prior to the date on which we posted the revisions or otherwise notified you of the changes.
- Services Description.
- Our IDP Services include monitoring online activity for protection against identity theft and fraud prevention purposes upon Subscriber’s consent. Client shall coordinate with Company regarding the information exchanges to present the information to the Subscribers via the Client’s Subscriber interface for Subscriber education and protection purposes. The IDP Services may also include the presentation of other related services, including identity insurance and restoration services, designed to help Subscribers protect their identity. We reserve the right to determine and modify the IDP Services we offer in our sole discretion.
- Obligations under the FCRA.
- Where Client has access to and uses a consumer report (as defined in the FCRA), Client must abide by the certain rules set forth under the Fair Credit Reporting Act (FCRA). The Notice to Users of Consumer Reports: Obligations of Users Under the FCRA is available athttps://array.com/company/notice.
- Client Branding and Marketing.
- Marketing Restrictions.
- Client agrees that it shall not use the terms and/or phrases listed below in any marketing and/or advertising of the Data and related Products, nor use such Data or related Products for any form of credit repair (as such term is interpreted under Applicable Laws as defined in Section 5):
- Client must not use the following terms, "improve," "enhance," "boost," "raise," or "increase" in the same phrase as "score" or "rating,"
- Client must not use the phrases "credit repair," "credit rebuilding," "credit fix," "repair your credit," "fix your credit," or combinations of those words.
- Client must not use the terms "advice," "tips," "suggestions" or "instructions" in or near the same phrase as "improving," "enhancing," "boosting," "raising" or "increasing" a credit score or credit rating.
- When making a statement about the performance of analytic tools available in conjunction with the Products (e.g., a score simulator), marketing and advertising materials must not suggest that a simulated score (or its equivalent) is “always” predictive of one's actual score.
- Client is responsible for all marketing efforts pertaining to its use and access to the Data and related Products. Solely to the extent necessary for Company to comply with Applicable Laws or Data Provider requirements, Client acknowledges that the Company may request that Client submit for approval, which approval will not be unreasonably withheld, conditioned or delayed, on any and all brochures, press releases, internet postings, marketing, advertising promotional or any other materials to be used by Client in conjunction with the marketing of the Data and/or Products.
- Client agrees that it shall not use the terms and/or phrases listed below in any marketing and/or advertising of the Data and related Products, nor use such Data or related Products for any form of credit repair (as such term is interpreted under Applicable Laws as defined in Section 5):
- Client Branding. Client is responsible for providing its own branding, including trade names, trademarks, service marks and logos, as well as securing a URL for use with the Platform and the Products. Client is solely responsible for securing a URL via a registrar service, as well as clearing and registering any trade names, trademarks, service marks and logos, trademark or other intellectual property rights or concerns connected with a brand or URL.
- Client Website. Company may (i) provide access to pre-coded web styling and features for Client to build a website with Platform integration and access to the Products, or (ii) deliver a Company hosted website to be developed and managed by Client. In either instance provided herein, Client shall be fully responsible for website compliance with all Applicable Laws, rules, and regulations including but not limited to those relating to terms of use, privacy policies, and ADA accessibility. Company may collect, use, share, sell and store data made available via the website solely in connection with the Platform and in accordance with the Agreement and all Applicable Laws.
- Marketing Restrictions.
- Required Consumer Authorization.
- Subscriber Agreement. Unless otherwise allowed under Applicable Laws, each Subscriber shall be required to enter into an agreement or provide other authorization containing certain terms and conditions related to the access and/or use of the Subscriber’s Data, and when and where required, shall, include disclosures similar to those set forth herein (the "IDP Disclosures"). Such Subscriber IDP Disclosures, in conjunction with applicable terms in the MSA, shall govern the Subscriber's consent and access to, use, and distribution of the Data and related Products, as well as the Subscriber's affirmation of such consent. The Subscriber IDP Disclosures (samples provided below) may be amended and/or updated by the Company, or as required by a Data Provider or Contractor from time to time, and to the extent applicable to the Client’s use of the Platform or Platform Services, Client agrees to make similar modifications or changes to the Subscriber IDP Disclosures and the verbiage therein as Company, or a Data Provider or Contractor, may request.
- Sample Subscriber IDP Disclosures.
- Sample Web Page Disclaimer 1: “You understand that by [checking this box and] clicking on the ‘I Accept’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and you are providing ‘written instructions’ under the FCRA to [Client] authorizing [Client] to obtain information from your personal credit profile from each credit reporting agency. You authorize [Client] to obtain such information solely to confirm your identity and display your credit data to you.”
- Sample Web Page Disclaimer 2:“By [checking this box and] clicking on the ‘I Authorize’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and agree to its terms, and confirm your authorization for [Client] to obtain your credit profile from any consumer reporting agency to display to you, to confirm your identity to avoid fraudulent transactions in your name, and to enable any consumer reporting agency to monitor your credit for changes.”
- Terms and Conditions Disclaimer: ““You understand that by clicking on the "I Accept" button and signing up for services, you are providing "written instructions" to [Client] and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the products and/or services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time, You waive any and all claims against Company and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. Your further authorize Company and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.”
- Privacy Policy/Terms and Conditions Disclaimer: “While enrolling for the products and/or services, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.”
- Payment for IDP Services.
- All amounts payable under this Addendum are subject to the terms provided in the MSA and exclusive of all sales, use, value-added, withholding, and other taxes and duties. You are responsible for paying any such taxes and duties assessed in connection with this Agreement by any authority within or outside of the U.S., except for taxes payable on our net income.
- Disclaimers.
- The IDP Services are not intended to, and do not, constitute legal, professional, or financial advice, are not intended to be a substitute for such advice, and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees providing the IDP Services are not authorized to provide any such advice or make any claims of guaranteed savings, debt settlement benefits, or representations of expected results on our behalf. No written or verbal statement from our representatives shall supplement or amend the MSA, an Order, or this Addendum. We do not guarantee that any savings, settlement, or particular outcome will be achieved through the IDP Services.
- Subscriber Support.
- Client Support Services are not included in the scope of services provided by Company. You shall be responsible for providing Client Support Services, which shall include, but not necessarily be limited to, agents focused on managing inquiries relative to (a) subscription or billing status; (b) password ID/account lockouts; (c) questions regarding your products and features; and (d) issue triage to determine if any issues involve questions that require escalation to Company Support Services.
- Company Support Services shall be provided by Company or its agents to you and/or your Subscribers as necessary. Company Support Services will provide comprehensive services throughout the issue resolution process, including one-on-one guidance to you or your Subscribers to address issues resulting from the use of or access to the Products.
- Miscellaneous.
- Our Contractors are third party beneficiaries to this Addendum. No provision of this Addendum provides any other person or entity not a party to this Addendum with any remedy, claim, liability, reimbursement, or cause of action or creates any other third party beneficiary rights.
- The headings contained in this Addendum are for reference purposes only and shall not affect in any way the meaning or interpretation of this Addendum.
- This Addendum, including the MSA and any applicable Order, constitutes the entire agreement between you and us regarding the IDP Services and supersedes any prior agreements between you and us and any and all prior or contemporaneous statements, understandings, writings, commitments, or representations concerning its subject matter. This Addendum can only be amended by us, as provided in this Addendum or the MSA. No written or verbal statement, advertisement, or product description will contradict, interpret, or supplement this Addendum.
- This Addendum may be published in a number of languages for information purposes and ease of access by customers. It is only the English version that is the legal basis of the relationship between you and us, and in case of any discrepancy between a non-English version and the English version of this Addendum, the English version shall prevail.
BuildCredit Privacy Notice
Version 3.0
Effective October 24th 2024
DownloadTable of Contents
Consumer Privacy Notice | |||
FACTS | WHAT DOES BUILDCREDIT LLC DO WITH YOUR PERSONAL INFORMATION? | ||
Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. | ||
What? | The types of personal information we collect and share depend on the product or service you have with us. This information may include, but is not limited to: - Social Security number and date of birth - payment history, transaction history, account transactions, account balance, and checking account information - email address and mobile phone When you are no longer our customer, we continue to share your information as described in this notice. | ||
How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons BuildCredit LLC chooses to share; and whether you can limit this sharing. | ||
Reasons we can share your personal information | Does BuildCredit LLC share? | Can you limit this sharing? | |
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No | |
For our marketing purposes — with service providers we use to offer our products and services to you (please see below to limit the ways we contact you) | Yes | No | |
For joint marketing with other financial companies | Yes | No | |
For our affiliates’ everyday business purposes — information about your transactions and experiences | Yes | No | |
For our affiliates’ everyday business purposes — information about your creditworthiness | No | We don't share | |
For non affiliates to market to you | No | We don't share | |
To limit our sharing | Call: 1-830-BLD-CRDT | ||
Questions | Email: help@buildcredit.com Call: 830-BLD-CRDT Visit: https://www.buildcredit.com/privacy | ||
Who we are | |||
Who is providing this notice? | BuildCredit LLC wholly owned subsidiary of Array US, Inc. | ||
What we do | |||
How does BuildCredit LLC protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. | ||
How does BuildCredit LLC collect my personal information? | We collect your personal information, for example, when you |
Why can't I limit all sharing? | Federal law gives you the right to limit some but not all sharing related to:
State laws and individual Array US, Inc. affiliates may give you more rights to limit sharing. See Other important information section for your rights under state law. |
DEFINITIONS | |
Affiliates | Our affiliates include companies under common ownership and control with BuildCredit LLC. They are non-financial companies such as Array US, Inc. |
Non Affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. - Non Affiliates we share with can include loan finance companies |
Joint marketing | A formal agreement between non affiliated financial companies that together market financial products or services to you. - Our joint marketing partner(s) include loan finance companies. |
OTHER IMPORTANT INFORMATION | |
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing-without your authorization. For California Customers. We will not share personal information with non affiliates either for them to market to you or for joint marketing-without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with non affiliates either for them to market to you or for joint marketing-without your authorization. For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. Additional information concerning our privacy policies can be found at www.array.com or by calling 830-BLD-CRDT. | |
Array GLBA Privacy Notice
Version 1.0
Effective June 17th 2024
DownloadTable of Contents
FACTS | What does Array US, Inc. (“Array”) do with your personal information? |
WHY? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
WHAT? | The types of personal information we collect and share depend on the products or services you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
HOW? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Array chooses to share; and whether you can limit this sharing. |
REASONS WE CAN SHARE YOUR PERSONAL INFORMATION | DOES ARRAY SHARE? | CAN YOU LIMIT THIS SHARING? |
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes – to offer our products and services to you | Yes | No |
For joint marketing with other financial companies | No | We don’t share |
For our affiliates' everyday business purposes – information about your transactions and experiences | Yes | No |
For our affiliates' everyday business purposes – information about your creditworthiness | Yes | Yes |
For our affiliates to market to you | Yes | Yes |
For nonaffiliates to market to you | Yes, only with the financial institution through which you subscribed to our services. | Yes |
TO LIMIT OUR SHARING |
Please note: if you are a new customer, we can begin sharing information one day from the date we sent this notice. When you are no longer our customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
QUESTIONS? | Call us at 833-742-0200, email us at compliance@array.com, and/or go to www.array.com for more information. |
WHO WE ARE | |
Who is proving this notice? | Array and its affiliates. A list of companies is provided at the end of this notice. |
WHAT WE DO | |
How does Array protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include physical, technical, and procedural safeguards, such as building and system security, and personnel training. |
How does Array collect my personal information? | We collect your personal information, for example,
|
Why can’t I limit all sharing? | Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
DEFINITIONS | |
Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
OTHER IMPORTANT INFORMATION |
California residents: Please go to Privacy Policy located (https://array.pactsafe.io/#privacy) to learn more about our Privacy Notice for California Residents. |
Array Free-to-Plus Terms of Service
Version 1.2
Effective June 18th 2024
DownloadSummary of changes
Table of Contents
Free-to-Plus Terms of Service
Please Read Carefully.
The services that Array Plus, LLC, its parent entity, Array US, Inc., and its affiliates and subsidiaries (collectively, hereinafter “Array”, “we”, “our”, and “us”), provides to you when you subscribe to a paid subscription of our upgraded financial wellness product offerings, including any content, data and information made available through such offerings, and the proprietary technology used to deliver such offerings (collectively, the “Services”), which are made available to you through your bank’s online digital banking platform, are subject to and governed by the terms and conditions set forth herein (“Terms of Service”).
In this Terms of Service, “you” or “your” refers to each user of the Services who is at least eighteen (18) years of age and has subscribed to a paid version of our Services by enrolling in our upgraded version of the Services from within the user's banking provider’s digital platform. By purchasing a subscription to our Services, you represent and warrant that you are at least eighteen (18) years of age, have a valid U.S. Social Security number and are the owner of the bank account from which you purchased the Services. You understand that by selecting the Services for purchase, you are submitting an electronic signature and entering into a legally binding contract with us for the purchase of such Services.
By purchasing a subscription to the Services, using the Services, and/or exercising any of the rights granted to you in this Terms of Service, you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy (available here: https://array.com/legal/#privacy), which are presented to you when you subscribe to the Services and are hereby incorporated herein by reference. If you do not agree to this Terms of Service or the Privacy Policy, you must not access or use the Services.
ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE DISPUTE RESOLUTION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND ARRAY WILL BE RESOLVED BY BINDING ARBITRATION AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS-ACTION LAWSUIT AND/OR CLASS-WIDE ARBITRATION.
- CHANGES TO TERMS OF SERVICE
- Array reserves the right to change these Terms of Service at any time, and by continuing to use the Services after we post a change to the online Terms of Service, you will be deemed to have accepted the new Terms of Service. Therefore, you should regularly check these Terms of Service for updates.
- DESCRIPTION OF SERVICES
- General. The Services include access to financial wellness product offerings and benefits presented to you at the time of purchase, which may include: credit scores and monitoring, identity protection services with dark web monitoring, social security monitoring, change of address monitoring, identity theft insurance and restoration, personal information protection with monitoring and removal of personal information from data broker and people search sites, and subscription management tools. You will be able to access the product offerings and subscriber benefits through your bank’s online digital banking platform where you signed-up for the Services.
- Enrollment. Upon subscribing to the upgraded Services, paying the applicable fees, and our completion of any required authentication procedures, you will receive access to the Services, where you can access the product offerings and benefits included in the upgraded Services and manage your subscription. In the ‘Manage Account’ you will be able to manage your subscription, including viewing the information used in connection with the Services and the payment method you selected at sign-up to pay for your subscription. This is where you can also make changes to your subscription or edit your payment method.
- Updates. The Services may be modified or updated at any time without notice and/or liability. Your continued use of the Services, or your failure to terminate your subscription, after any such modifications have been made to the Services, will constitute your acceptance of those modifications.
- USE AND AVAILABLITY
- Right to Use. This Terms of Service permits you to use the Services only for your personal informational purposes and is subject to this Terms of Service and our Privacy Policy. Commercial use of the Services is not permitted.
- Use and Availability. While we use reasonable efforts to keep the Services accessible, the Services may be unavailable from time to time. You understand and agree that there may be interruptions to the Services due to circumstances both within our control and outside of our control, for which we will bear no responsibility.
- Limitations on Use. You are only allowed to enroll yourself, and you agree to provide complete, accurate and current information in connection with the Services and to update this information when it changes. We do not permit any person to sign up for the Services on behalf of another person unless you have the requisite legal authority, such as may be provided by an executed Power of Attorney.
- Access. You are responsible for obtaining at your own expense all equipment and services needed to access and use the Services, including all devices, internet browsers and internet access. If you access the Services through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.
- Restrictions. Except as may be expressly permitted by applicable law you may not: (i) access the Services and/or any information provided to you in connection with the Services for any purpose which is not authorized under this Terms of Service or for any unlawful purpose; (ii) obtain and/or attempt to obtain any information, materials or data through any means not intentionally made available and/or provided for through the Services; (iii) attempt to modify, make derivative works of, disassemble, reverse compile and/or reverse engineer the Services or any part-thereof; (iv) incorporate any portion of the Services into your own programs or compile any portion of it in combination with your own programs, transfer it for use with another service, or sell rent lease, lend, loan, distribute or sublicense the Services or otherwise assign any rights to the Services or any portion thereof; (v) access all or any part of the Services in order to build a product or service which competes with the Services; (vi) submit and/or transmit any emails, other communications, or materials through, or in connection with the Services that contain a virus, worm, ‘Trojan Horse’, worm, logic bomb or other material that is malicious or technologically harmful including a harmful component designed to interrupt, destroy and/or limit the functionality of any computer software, application, hardware and/or telecommunications equipment, and/or that is designed to obtain unauthorized access to any information; (vii) pretend to be someone else, use someone else’s identity or misrepresent your affiliation with a person or entity; (viii) copy or imitate part or all of the design, layout, and/or look-and-feel of the Services and/or individual sections of it, in any form or media (except that you may retain a copy of any content or information provided to you through the Services for the purposes authorized herein); (ix) use any automated or programmatic method to extract data or output from the Services, (x) take any actions that in our discretion imposes, or may impose an unreasonable load on the Services, (xi) interfere or attempt to interfere with the proper working of or delivery of the Services, and/or (xii) bypass any measures used to prevent or restrict access to the Services.
- Responsibilities. You agree to: (i) use reasonable efforts to prevent unauthorized access to and/or use of the Services and to notify us promptly of such unauthorized access and/or use; (ii) be responsible for the accuracy and quality of data you provide in connection with the Services; and (iii) act in accordance with all applicable laws, rules and regulations.
- Denial of Service. We retain the right, in our sole and absolute discretion, to deny service, access to, and/or use of the Services to anyone at any time and for any reason without liability including but not limited to violation of the restrictions set forth herein, violation of law, and/or other commercially reasonable security or legal concerns.
- PRODUCT SPECIFIC INFORMATION
- My Credit Manager Premium. The My Credit Manager Premium product offering is available as part of the Services and includes access to your Vantage 3.0 credit score and three bureau credit monitoring from one or more of the credit bureaus with alerts that may affect your credit. The My Credit Manager Premium product offering, including all content, data, and information, may be used for credit education purposes only, except to the extent you provide consent for such content, data, and information to be used for another permissible purpose. Like other credit scores offered to consumers, the credit score that we offer may not be the same score used by a lender or other commercial users for credit decisions. Credit monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. If it is believed that the consumer data or reports may be inaccurate or missing information, your sole remedy is to contact the applicable credit bureau that is providing and reporting such inaccuracies or missing information.
- Identity Protect Premium. The Identity Protect Premium product offering is available as part of the Services and includes monitoring online activity (dark web monitoring) for protection against identity theft (including change of address and social security number monitoring) and fraud prevention. It also includes identity insurance and restoration services designed to help you protect your identity (up to $1,000,000 in value). The Identity Protect Premium product offering, including all content, data and information, may be used for education and identity protection purposes only and for no other purpose, except to the extent you provide consent for such content, data, and information to be used for another permissible purpose.
- Personal Info Protection Premium. The Personal Info Protection Premium product offering is available as part of the Services and allows you to view and remove certain personal information that has been published by third parties on certain data broker websites. You understand and agree that we are not responsible for the actions or inactions of any of the data broker websites, and Array makes no representations, warranties, or guarantees related to such data broker websites. You expressly agree that Array will not be liable to you under any circumstances for any actions or inactions of third-party data brokers and/or such data broker websites, or Array’s failure for any reason to exercise an effective opt-outs on your behalf. You understand and agree that Array is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
- Subscription Manager Premium. The Subscription Manager Premium product offering is available as part of the Services and allows you to view, and with your authorization, receive assistance canceling your current recurring online subscriptions and/or memberships for various products you have purchased with applicable product providers. In order to cancel a subscription on your behalf you must provide us with certain information, which may include but is not limited to: the account holder’s name, requestor’s name and relationship to the account holder (if different), and respective address, phone numbers, email addresses, account number, the applicable password, pin number, or other security credentials to access the account, and any other specific information the provider may require for us to cancel the applicable subscription. You represent and warrant that all of the information you provide to us is accurate, complete, and correct. You agree that we may rely upon and share your information with our third-party service providers (including Plaid, Inc.), agents, the provider of the applicable subscriptions and otherwise as necessary in order to provide and track the Subscription Manager Premium product offering portion of the Services. The applicable subscription provider may require your verbal confirmation or additional information to verify that we (including our third-party service providers that assist in the provision of the Services) are acting as your agent. If this is the case, we will not be able cancel the applicable subscription until you provide the additional information or confirmation in accordance with the method required by the applicable provider. In some instances, it may be necessary for our agents to represent to the provider that they are the account holder in order to perform the cancellation, and you consent to such representation for the sole purpose of performing the Services and applicable subscription cancellation.
- CONSUMER AUTHORIZATION
- Authorization to Obtain Information from Your Bank. By subscribing to the Services, you authorize Array to obtain from your bank certain information for the limited purpose of providing the Services, including but not limited to, your name, payment account information, Social Security Number, address, date of birth, email, and phone number.
- Authorization to Access Your Credit Files. You understand that by clicking on the ‘Subscribe’, ‘Upgrade’, or similar button, and signing up for the Services, you are providing "written instructions" to Array and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. Consent to obtain personal or credit data to fulfill the benefits of the Services shall be valid under the subscription for as long as the Services are provided to you. You waive any and all claims against Array, its third-party service providers, and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize Array, its third-party service providers, and its agents and employees to obtain various information and reports about you in order to provide the Services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.
- Authorization to Act on Your Behalf. By subscribing to the Services you agree that by accessing and/or using the Personal Info Protection Premium product and selecting "Remove Exposed Information" you authorize Array and its agents, servicers, and employees, to act as your personal representative in order to submit opt-out requests to data broker sites and to (i) obtain information on your behalf; (ii) submit your personal information to the data broker websites; (iii) communicate with the data broker websites or other third parties on your behalf; (iv) agree to applicable terms and conditions imposed by data broker websites; (v) complete and sign or execute documents on your behalf; (vi) and take other actions that we believe is reasonably necessary to complete an opt-out request from a data broker website or to provide the Personal Info Protection portion of the Services.
- Authorization to Cancel Subscriptions. You may only use the Subscription Manager Premium product offering portion of the Services for subscriptions that you have authority to make changes to with the applicable provider. By selecting ‘Cancel for Me’ and providing the applicable subscription account information to us, you grant us and our third-party service providers the authority to cancel your subscription and you represent and warrant that you have such authority. You will be liable for all fees incurred or damages that result from your use of the Services without the proper authority to do so and agree to indemnify us for any damages we may incur as a result.
- THIRD PARTY SERVICE PROVIDERS
- The Services are accessed by you and provided to you in connection with third-party services and information that Array does not control. The Services are integrated and made available through your bank’s online digital banking platform, include access to an integrated display of certain consumer data collected and compiled from various third-party data provider sources, and include third-party product offerings, such as identity insurance and restoration services. We may also use other third-party service providers to provide the Services or to gather data and authenticate information regarding you, your device, and your accounts. In some instances, we may require you to accept third-party software tools and products through the Services. In addition to these Terms of Service, use of such third-party services may be governed by additional terms and conditions provided by the third-party service providers. Use or continued use of such third-party services after review of such additional terms shall constitute acceptance of such terms. Any information, data, services or products provided by third parties (integrated into the Services or otherwise), shall be provided “AS IS” without warranty of any kind by Array; and Array assumes no responsibility for, and specifically disclaims any liability or obligation with respect to third-party service providers.
- FEES, RENEWAL, PAYMENTS, AND CANCELLATION
- Subscription Fees. By enrolling in the Services, you agree to the product and/or service offer details, including payment of a recurring monthly subscription fee amount, disclosed at the time of purchase. Unless otherwise notified in the sign-up process, your subscription will begin on the date you enroll and shall continue thereafter on a monthly basis (“Subscription Period”) until cancelled. Notwithstanding anything herein to the contrary, Array may change the subscription fees at the end of the Subscription Period, provided that we first notify you by email or through the Services as required by applicable law.
- Subscription Renewal. When you subscribe to the Services, you understand that it is a subscription that automatically renews until cancelled. YOU AGREE THAT WE MAY AUTOMATICALLY RENEW YOUR SUBSCRIPTION AT THE END OF THE SUBSCRIPTION PERIOD FOR THE SAME DURATION OF TIME AS YOUR THEN-CURRENT SUBSCRIPTION PERIOD; PROVIDED THAT IF THE PRIOR SUBSCRIPTION PERIOD WAS ONLY A PARTIAL SUBSCRIPTION PERIOD DUE TO IT BEING YOUR FIRST SUBSCRIPTION PERIOD, THE AUTOMATIC RENEWAL SHALL BE FOR THE FULL SUBSCRIPTION PERIOD SELECTED IN THE SIGN-UP OR ENROLLMENT PROCESS.
- Authorization to Charge for Services. Array will charge the payment method you selected and authorized each month for the then-current applicable price for your subscription, plus applicable taxes. YOU AUTHORIZE ARRAY TO CHARGE YOU AT THE BEGINNING OF THE SUBSCRIPTION PERIOD AND EACH RENEWAL THEREAFTER, UNLESS YOU CANCEL YOUR SUBSCRIPTION PRIOR TO ITS RENEWAL DATE THROUGH THE PROCEDURES DESCRIBED IN THE SUBSCRIPTION CANCELLATION SECTION BELOW. You will not be charged more than the amount for which you purchased your subscription, including applicable taxes.
- Payment Account. If your payment account on file is closed or the account information is changed, or if, for any reason, a charge is rejected by your payment source, you shall immediately update your payment account or supply a new payment account, as appropriate. If you are unable to update the payment account with appropriate information, then we will suspend access to the Services, without liability, until valid payment account information is provided. Notwithstanding the foregoing, in the event your payment method is declined, or your payment source cannot process the subscription fee for any reason (such as insufficient credit or funds), we may, at our discretion, re-process the payments owed to the same payment source, or other authorized payment source you provide, in accordance with applicable law. If we are not able to process payment for the amount due hereunder, you agree to pay all amounts due upon our demand and will be solely responsible for any dispute with your payment method provider. We are not responsible for any overdraft or over-the-limit charges or bank fees triggered by your subscription fee being processed. If Array believes that you have participated in a fraudulent chargeback, Array may pursue claims against you to the fullest extent allowed by law.
- Subscription Cancellation. YOU MAY CANCEL YOUR SUBSCRIPTION AT ANY TIME BY SELECTING ‘CANCEL’ FROM WITHIN THE ‘MANAGE ACCOUNT’ SECTION WITHIN THE SERVICES. Upon cancellation, you will continue to have access to the products and services included in your subscription for the remainder of the Subscription Period; provided that Array has received all fees related to the subscription during the Subscription Period and you are not in breach of this Terms of Service. After you cancel your subscription, we will not charge you any subscription fees after the expiration of your subscription. In any event, subject to the terms herein, you will be able to continue to use the Services throughout the remainder of the Subscription Period for which you have already paid. Any reactivation of a previously cancelled Subscription may result in a change to the start date of your next Subscription Period and may change the date on which you are charged.
- Payment Processing. Although Array is responsible for the fees charged to your provided payment method in accordance with these Terms of Service, we may use a third-party payment processor to process payments. Your credit card information or other payment method will be processed and stored by us or our third-party payment processor, as applicable, but may be changed from time to time. You expressly understand and agree that all payments and monetary transactions are handled by Array or its third-party service provider and its affiliates, the use of which shall be governed by the third-party’s terms and conditions.
- Payments, Taxes, Refunds, and Right to Suspend. All fees are stated in United States Dollars and must be paid in United States Dollars. All fees due and payable under this Terms of Service are exclusive of taxes, which will be added at the prevailing rate from time to time. All fees due and payable by you to Array hereunder must be paid in full without any deduction, set-off, counterclaim or withholding of any kind unless required by law. The fees due hereunder are non-refundable. In the event fees are not paid in accordance with the terms and conditions set forth herein, Array may immediately suspend Services, without liability. You are responsible for all costs of collection, including without limitation reasonable attorneys' fees, for any payment default.
- ERRORS, INACCURACIES, OMISSIONS AND PERFORMANCE
- Occasionally there may be information on the Services that contain typographical errors, inaccuracies, and/or omissions. We reserve the right to: (i) correct any errors, inaccuracies, and/or omissions; and/or (ii) make changes to content, descriptions, Services and/or other information without obligation to issue any notice of such changes, except as prohibited by law.
- PROPRIETARY RIGHTS AND LICENSES
- Ownership. The Services, any content and/or products on the Services and the infrastructure used to provide the Services are proprietary to Array, our affiliates, and/or our third-party service providers. By purchasing a subscription to the Services and accepting this Terms of Service, Array grants you a limited, personal, nontransferable, nonexclusive, non-sublicensable, revocable right to access and/or use the Services and information provided therein pursuant to this Terms of Service.
- Reservation of Rights. The materials, headers, illustrations, graphics and/or any other content on the Services, as well as the organization and layout of the Services, are copyrighted and are protected by United States and international copyright laws and treaty provisions. Subject to the limited rights expressly granted hereunder, Array and/or its third-party service providers reserve all right, title and interest in and to the Services and content, including all related worldwide intellectual property rights. No rights are granted to you hereunder other than as expressly set forth herein.
- Feedback. If you choose to submit any questions, comments, ideas, suggestions, inventions, or other information (“Feedback”) to Array, such Feedback is non-confidential and will become the sole property of Array. Array will be able to use any Feedback for any purpose including the developing, creating and/or marketing of products or services and you acknowledge Array will give no credit or compensation to you and you have no rights to the same. Array has no obligations to review any Feedback and may use and redistribute Feedback for any purpose without restriction in its sole and absolute discretion.
- TERMINATION
- We may suspend or terminate your subscription or your use of the Services at any time, for any reason or for no reason, including without limitation in the event that (i) you breach this Terms of Service; (ii) we are unable to verify or authenticate any information you provide to us; or (iii) we believe that your actions may cause financial loss or legal liability for you, our third party service providers, or us. If you become dissatisfied with the Services, your only recourse is to immediately discontinue use of the Services and cancel your subscription. Upon termination, all rights granted to you will automatically terminate.
- USER VERIFICATION
- Array may, in its sole discretion, verify a user’s identity prior to allowing such user to access and/or use the Services. Array may, without liability, refuse to process and/or may cancel access to the Services, as reasonably deemed necessary, to comply with applicable law and/or to respond to a case of misrepresentation, fraud and/or known and/or potential violations of the law and/or this Terms of Service.
- GEOGRAPHIC RESTRICTIONS
- Array is located in the United States. Access to the Services may not be legal by certain persons or in certain countries. If you access the Services from outside the United States, you do so on your own initiative, at your own risk, and are responsible for compliance with local laws.
- INDEMNIFICATION AND WAIVER
- You shall indemnify, defend and hold harmless Array, its officers, agents, employees, contractors, subcontractors, suppliers, third-party service providers and representatives from and against any and all claims, demands, proceedings, losses, costs, damages, awards, fees, expenses, and/or liabilities of any nature (“Claim”) arising out of and/or in the relation to (i) your violation of any law and/or the rights of a third party, (ii) any breach of this Terms of Service or the Privacy Policy by you and/or your representatives, (iii) your use of the Services, and/or (iv) fraud you commit and/or your intentional misconduct and/or negligence. You shall give prompt notice to Array upon your receipt of notice of any Claim against you which might give rise to a claim against Array.
- DISCLAIMER OF WARRANTIES
- YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE COMPANY MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, INCLUDING, WITHOUT LIMITATION, THAT THE SERVICES WILL OPERATE ERROR FREE, WITHOUT INTERRUPTION, WILL ACHIEVE ANY INTENDED RESULT, OR THAT THE SERVICES, INCLUDING ANY CONTENT, DATA OR INFORMATION, WILL BE COMPLETE, ACCURATE OR VALID AND ARRAY EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES. ARRAY EXERCISES NO CONTROL OVER AND EXPRESSLY DISCLAIMS ANY LIABILITY ARISING OUT OF OR BASED UPON YOUR USE OF THE SERVICES. NO ADVICE AND/OR INFORMATION, WHETHER ORAL AND/OR WRITTEN, OBTAINED BY YOU FROM ARRAY OR THROUGH YOUR ACCESS TO AND/OR USE OF THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS TERMS OF SERVICE. ARRAY MAKES NO PROMISES WITH RESPECT TO, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY THIRD-PARTY WEBSITE OR APPLICATION, THIRD-PARTY SERVICES LISTED ON OR ACCESSIBLE TO YOU THROUGH THE SERVICES, INCLUDING ANY THIRD-PARTY SERVICES INTEGRATED INTO THE SERVICES.
- LIMITATION OF LIABILITY
- YOUR USE OF THE SERVICES AND CONTENT, DATA AND INFORMATON IS AT YOUR OWN RISK. IN NO EVENT SHALL ARRAY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, LICENSORS, SUPPLIERS AND/OR THIRD PARTY SERVICE PROVIDERS BE LIABLE TO YOU AND/OR ANYONE ELSE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL AND/OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING THOSE RESULTING FROM LOSS OF USE, DATA, WHETHER OR NOT FORESEEABLE, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY, AND/OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF ARRAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THE FOREGOING SHALL APPLY DESPITE ANY NEGLIGENCE, MISCONDUCT, ERRORS AND/OR OMISSIONS BY ARRAY, ITS EMPLOYEES, REPRESENTATIVES AND/OR AGENTS. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION AND/OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL AND/OR INCIDENTAL DAMAGES, IN SUCH STATES, ARRAY’S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. ARRAY’S MAXIMUM AGGREGATE LIABILITY TO YOU FOR DIRECT DAMAGES THAT YOU SUFFER IN CONNECTION WITH THE SERVICES IS LIMITED TO THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID FOR THE SERVICES IN THE PRECEDING SIX (6) MONTHS OF YOUR CLAIM.
- NO PROFESSIONAL ADVICE
- We are not a credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law. The Services are not intended to, and do not, constitute legal, professional, or financial advice, and are not a substitute for such advice and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees are not authorized to provide any such advice or make any claims of guaranteed savings, debt settlement benefits, or representations of expected results. No written or verbal statement from our representatives shall supplement or amend this Terms of Service. We do not guarantee that any savings, settlement, or particular outcome will be achieved through the Services.
- NO GUARANTEE
- We do not guarantee that the information we present as part of the Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness, eligibility for any particular product or service, or for employment. We do not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Services. You acknowledge that any reliance upon any such information shall be at your sole risk.
- We do not guarantee that in connection with your use of the Privacy Info Protection Premium product offering that we will find your online personal information within any third-party data, or that all data broker websites will be scanned. We do not guarantee that the Services will be effective, or that an opt-out request will be honored or responded to by the relevant data-broker websites. We do not guarantee that an opt-out request will prevent all or any future uses or disclosures of your online personal information by a data broker website, or that we will identify all instances of your online personal information that is eligible for opt-out, or that the data broker websites will not retain copies of your online personal information. Some of the data broker websites may have multiple databases and may acquire and aggregate personal information about individuals on an ongoing basis. The opt-out request we submit on your behalf may not be effective for all sources of online personal information maintained by the data broker websites, or for online personal information acquired by the data broker websites after the opt-out request. In addition, we may not locate all entries or the correct entries of your online personal information that are eligible for opt-out. Not all data broker websites offer the same type of opt-out options. Further, in some instances, even if we are able to effectively submit an opt-out request on your behalf to a data broker website, that data broker website may still maintain your online personal information in its records and may fail to honor or properly respond to an opt-out request. You understand and agree that Company is not responsible for the actions or inactions of any of these data broker sites, and that Company makes no representations, warranties or guarantees related to such data broker sites. You expressly agree that Company will not be liable to you under any circumstances for any actions or inactions of these data broker sites, or for Company’s failure for any reason to exercise effective opt-outs on your behalf.
- LINKED SITES
- The Services may provide links to various other independent third-party websites (“Linked Sites”) that may be of interest to you and are for your convenience only. Array does not control and/or endorse such Linked Sites and is not responsible for their content nor is it responsible for the accuracy and/or reliability of any information, data, opinions, advice or statements contained within such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites at your own risk. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each Linked Site that you visit. Array reserves the right to terminate any link at any time and disclaims all warranties, express and implied, as to the accuracy, validity, and legality and/or otherwise of any materials or information contained on such Linked Sites.
- COMMUNICATIONS
- By using the Services, you agree to receive certain communications in connection with such access and use. When you access and/or use the Services, you are communicating with us electronically, and you consent to receive communications from us electronically including but not limited to notices related to the Services provided to you via email and through the Services. You agree that all agreements, notices, disclosures and/or other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Your consent to receive records and notices electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further records and notices electronically at any time by contacting us. If you withdraw your consent to receive such records and notices electronically, we will revoke your access to the Services. Any withdrawal of your consent to receive records and notices electronically will be effective only after we have a reasonable period of time to process your request for withdrawal.
- DISPUTE RESOLUTION
- This Agreement shall be governed and construed in accordance with the laws of the State of New York, without resort to the conflict of law principles thereof. Except as it relates to Array’s efforts to collect unpaid Fees, any controversy, claim or dispute between the parties arising out of or relating to this Terms of Service or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, such controversy, claim or dispute shall be resolved by mandatory, binding arbitration, rather than in court. The parties agree that the arbitration shall be administered by the American Arbitration Association (AAA), or other nationally recognized arbitrator as agreed upon by the parties and the parties shall be bound by any and all rules of AAA or other mutually accepted rules and any award/decision rendered. Notwithstanding anything to the contrary in the AAA rules, the arbitrator will be empowered to order interim or permanent injunctive relief, which may be enforced in any court of competent jurisdiction. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all decisions. Any such arbitration shall include a written record of the arbitration hearing and shall be conducted by an arbitrator as agreed upon by the parties, or if no agreement can be made, then an arbitrator shall be selected by AAA experienced in complex business transactions. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys' fees) of arbitration equally. In the event a party fails to proceed with arbitration as required herein, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator's ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.
- CALIFORNIA USERS
- Under California Civil Codes, California residents are entitled to additional specific consumer rights information. To file a complaint regarding the Services or to receive further information regarding use of the Services, including to cancel your Services, please contact us at Array US, Inc., 2200 N. Federal Hwy., Suite 217, Boca Raton, FL 33431, or call us toll free at (833) 742-0200, or email us at compliance@array.com. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at 916.445.1254 or 800.952.5210.
- MISCELLANEOUS
- You may not assign your rights and/or obligations under this Terms of Service to any other party without our prior written consent. We may assign our rights and/or obligations under this Terms of Service to any other party at our discretion. If any provision and/or term of this Terms of Service shall become or be declared illegal, invalid or unenforceable for any reason whatsoever, such term and/or provision shall be divisible from the other terms and conditions and shall be deemed to be deleted from them. If an applicable law is in conflict with any part of this Terms of Service, this Terms of Service will be deemed modified to conform to the law and the other provisions will not be affected by any such modification. No waiver by either you and/or Array of any breach and/or default and/or failure to exercise any right allowed under this Terms of Service is a waiver of any preceding and/or subsequent breach and/or default and/or a waiver and/or forfeiture of any similar and/or future rights under this Terms of Service. All provisions in these Terms of Service regarding representations and warranties, indemnification, disclaimers, and limitation of liability will survive the termination of this Terms of Service.
- CONTACT US
- If you would like to request additional information regarding this Terms of Service or if you have feedback about our Services, or need support regarding the Services please contact us at compliance@array.com or (833) 742-0200.
- IMPORTANT CONSUMER NOTICES
- Notice Required by Law. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA: www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0096-fair-credit-reporting-act.pdf. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. You understand and agree that Company is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
- Removal of information. ONLY THE CREDIT BUREAUS CAN REMOVE OR CORRECT INACCURATE, UNVERIFIABLE, OR OUTDATED INFORMATION, FROM A CREDIT REPORT(S), WHICH HAS NOT BEEN CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAUS. YOU MAY CONTACT THE CREDIT BUREAUS DIRECTLY TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT. THEREFORE, IT IS IMPORTANT THAT YOU REALIZE THAT WE CANNOT, NOR CAN ANY CREDIT REPAIR/CARE SERVICE REMOVE INFORMATION FROM YOUR CONSUMER CREDIT PROFILE.
- Privacy Notice. The information you provide may also be subject to additional terms. For example, the information we collect when you subscribe to the Services is subject to additional terms detailing how we use and share your information, which can be found at https://array.pactsafe.io/#glba.
- FCRA Disclosure. The Fair Credit Reporting Act (FCRA) allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided through the Services are not intended to constitute the disclosure of information by a credit reporting agency as required by FCRA or similar laws.
- Under FCRA you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion). To obtain the free reports, you can: (A) visit https://www.annualcreditreport.com/, (B) call 1-877-322-8228, or (C) complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
- You are also entitled to receive a free copy of your credit report from a credit reporting agency if: (A) You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency; (B) You have been denied a house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency; (C) You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification; (D) You certify in writing that you are a recipient of public welfare assistance; or (E) You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.
- 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 to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.
- In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.
- Any credit report you receive through the Services is not intended to constitute the disclosure of information required by FCRA or similar state laws.
Array+ MNDA
Version 2.0
Effective December 4th 2024
DownloadTable of Contents
MUTUAL CONFIDENTIALITY AND NON-DISCLOSURE AGREEMENT
This Mutual Confidentiality and Non-Disclosure Agreement (“Agreement”) is made and entered into as of the date fully executed below (the “Effective Date”) by and between Array US, Inc. (hereinafter “Array”), and {{CompanyName}}, (“hereinafter “Company”) (individually “Party”; together referred to as the “Parties”).
RECITALS
WHEREAS, Array and Company desire to exchange certain proprietary or confidential information solely for the purpose of evaluating, entering into, conducting, or performing a potential or existing business transaction or relationship between the Parties (the “Authorized Purpose”), and that such confidential information should be protected from unauthorized dissemination and use.
WHEREAS, Array and Company desire to maintain the confidentiality of all confidential information belonging to the Parties.
NOW THEREFORE, in consideration of the foregoing recitals and the mutual covenants, terms and conditions set forth herein, the Parties hereto, with advice of counsel and intending to be legally bound, hereby agree as follows:
- CONFIDENTIAL INFORMATION. “Confidential Information” shall mean any and all commercial, business, technical, financial, proprietary, and other information relating to a Party, its parent companies, subsidiaries, affiliated divisions and affiliated companies (collectively its “Affiliates”), which shall include, but not be limited to, all information relating to the Party and its Affiliates’ customers, leads, contracts, business records, production techniques, methods of operation, systems, facts, data and other information concerning the Party or its Affiliates’ business operations. Confidential Information also includes (i) any written, oral or electronic information, any file, record, marketing material, client list, business plan, business knowledge, trade secret, programming idea or format, marketing strategy, financial data, procedure, computer software, integrated computer systems, device, prototype, drawing, print, sketch, document, and/or any information which a Party has developed, acquired or received, or which may be in its possession, prior to or after the Effective Date of this Agreement; (ii) any information that is specifically identified as such in writing; (iii) any information described above which a Party obtains from a third party and which a Party treats as proprietary or designates as confidential, whether or not owned or developed by said Party; and (iv) the fact that the Parties have entered into this Agreement and are engaged in discussions regarding a potential transaction or business relationship.
- A Party, or its agents, employees or representatives, disclosing Confidential Information shall be referred to as the “Disclosing Party”, whereas a Party, or its agents, employees or representatives receiving such Confidential Information shall be referred to as the “Receiving Party”.
- DISCLOSURE AND USE.
- Restrictions and Covenants. The Receiving Party agrees that it will (i) hold the Disclosing Party’s Confidential Information in strict confidence, use a high degree of care in safeguarding the Disclosing Party’s Confidential Information, and will take all precautions necessary to protect the Disclosing Party’s Confidential Information including, at a minimum, all precautions the Receiving Party normally employs with respect to its own confidential information, (ii) not divulge any of the Disclosing Party’s Confidential Information or any information derived therefrom to any other person or entity (except as set forth in Section 2(b) below), (iii) not use the Disclosing Party’s Confidential Information for any purpose whatsoever other than as may be directly in furtherance of the Authorized Purpose, (iv) not export the Disclosing Party’s Confidential Information in violation of the United States Export Administration Act and regulations thereunder, or any other applicable export control laws or regulations, (v) notify the Disclosing Party in writing immediately upon discovery by the Receiving Party or its representatives of any unauthorized use or disclosure of the Disclosing Party’s Confidential Information, and (vi) upon the oral or written request of the Disclosing Party, immediately return to the Disclosing Party or destroy (at the option of the Receiving Party) all such Confidential Information, including all originals, copies and extracts, provided that the Receiving Party’s legal counsel may retain one copy of the returned or destroyed items for archival purposes.
- Disclosure. The Receiving Party shall use the Confidential Information only for the Authorized Purpose. The Receiving Party may only disseminate the Disclosing Party’s Confidential Information to its representatives who have been informed of the Receiving Party’s obligations under this Agreement and are bound by a written and executed confidentiality and non-use agreement with respect to the Disclosing Party’s Confidential Information at least as broad in scope as the Receiving Party’s obligations under this Agreement. The Receiving Party agrees to reasonably restrict disclosure of the Disclosing Party’s Confidential Information to the smallest number of the Receiving Party’s representatives which have a need to know the Confidential Information. The Receiving Party shall be responsible for enforcing this Agreement as to the Receiving Party’s representatives and shall take such action (legal or otherwise) to the extent necessary to cause them to comply with this Agreement. For purposes of this Agreement, a Party’s “representatives” shall consist of the directors, officers, employees, financial advisors, accountants, attorneys, consultants, and Affiliates of the Party.
- Term. The restrictions set forth in this Agreement shall apply to all Confidential Information received by the Receiving Party prior to the Effective Date and during the three (3) year period beginning on the Effective Date (the “Disclosure Period”), except that the Disclosure Period may be terminated earlier by either Party upon thirty (30) days prior written notice to the other Party. Notwithstanding the expiration of the Disclosure Period, the obligations and restrictions of the Receiving Party under this Agreement with respect to any and all Confidential Information received prior to or during the Disclosure Period shall survive the expiration of the Disclosure Period and shall continue to remain in full force and effect at all times thereafter.
- Exceptions. The restrictions on the Receiving Party’s disclosure and use of Disclosing Party’s Confidential Information under this Section will not apply to the extent of any Confidential Information:
- that was already known by the Receiving Party prior to the Disclosure Period as evidenced by the Receiving Party’s written documentation;
- that becomes publicly known without breach of the Receiving Party’s obligations under this Agreement;
- that can be demonstrated was rightfully acquired by the Receiving Party from a third party which is not subject to any restriction or obligation (whether contractual, fiduciary, or otherwise) on disclosure or use of such Confidential Information;
- that is independently developed by the Receiving Party or its representatives without knowledge or reference to such Confidential Information, as evidenced by written documentation or other tangible evidence;
- that is required to be disclosed by law or by court order or government order, provided that the Receiving Party (a) promptly notifies the Disclosing Party of any such disclosure requirement so that the Disclosing Party may seek an appropriate protective order (or other appropriate protections), and (b) provides reasonable assistance (at no cost to the Receiving Party) in obtaining such protective order or other form of protection; or
- as to which and to the extent to which the Receiving Party has received express written consent from an authorized officer of the Disclosing Party to disclose or use.
A specific item of Confidential Information shall not be deemed to fall within the foregoing exceptions merely because such specific item is embraced or implied by more general Confidential Information that falls within the foregoing exceptions.
- ADDITIONAL COVENANTS AND AGREEMENTS.
- No Obligation to Disclose; No Warranty. No provision of this Agreement shall be construed as an obligation by either Party to disclose any Confidential Information to the other Party or to consummate any proposed transaction or enter into any further agreements with the other Party. All Confidential Information is provided “AS IS”, without warranty or guarantee of any kind as to its accuracy, completeness, operability, fitness for a particular purpose, or any other warranty, express or implied. Neither Party shall be liable to the other Party for any damages, loss, expense, or claim of loss arising from use or reliance on the Confidential Information of the other Party.
- No License Implied. The Parties acknowledge and agree that all Confidential Information (and any proprietary and novel features contained in the Confidential Information) shall remain the property of the Disclosing Party and, except as otherwise specifically set forth in this Agreement, no license or right with respect thereto is granted to the Receiving Party, whether by implication or otherwise. The Receiving Party shall have no rights whatsoever under any patent, trademark, copyright, or application therefor, or any other proprietary right of the Disclosing Party, and the Parties agree that the Disclosing Party shall remain free to grant such rights to others and to disclose the Confidential Information to anyone the Disclosing Party chooses.
- Ownership; Title. The Parties understand and agree that all such Confidential Information is and shall remain, at all times, the sole property of the Disclosing Party, and upon termination of this Agreement, shall be returned and left in its entirety in the undisputed possession and control of the Disclosing Party after such termination. No license is granted by the Disclosing Party to the Receiving Party, by implication or otherwise, to use any Confidential Information except as expressly provided in this Agreement.
- Parent; Affiliates or Subsidiaries. The Parties recognizes, acknowledge and agree that this Agreement is specifically and expressly intended to protect, and does specifically and expressly protect, all Confidential Information of the Parties, which shall include such Confidential Information belonging to a Party’s parent, affiliate or subsidiary companies.
- Performance. The Parties represent and warrant that neither is under any obligation to any other party inconsistent with or in conflict with this Agreement which would prevent, limit or impair in any way their performance of any obligations hereunder.
- Equitable Relief. Each Party acknowledges and agrees that due to the unique nature of the Confidential Information, there can be no adequate remedy at law for any breach of their respective obligations hereunder, which breach may result in irreparable harm to the other Party. Therefore, that upon any such breach or any threat thereof, the non-breaching Party shall be, in addition to any remedies that may be available at law, entitled to appropriate equitable relief, including injunction, without the requirement of posting a bond, in addition to whatever remedies it might have at law.
- Choice of Law; Forum. This Agreement shall be governed by the laws of the State of New York (U.S.A.), without giving effect to the principles of conflict of laws thereof and without regard to where the Agreement is executed or to be performed. The Parties hereby submit to the personal jurisdiction of the state and federal courts located in New York County, New York (U.S.A.), and agree that any cause of action brought under or related to this Agreement by either Party may be brought in the state or federal courts sitting in New York County, New York (U.S.A.).
- Attorney’s Fees. If any legal action or other proceeding is brought for the enforcement or interpretation of this Agreement, or because of an alleged dispute, breach, default or misrepresentation in connection with any provisions of this Agreement, the prevailing Party shall be entitled to recover reasonable attorney’s fees, court costs and all expenses incurred in that action or proceeding at both the state and appellate level, even if not taxable as court costs, in addition to any other relief to which such Party or Parties may be entitled.
- Notices. All notices requests, instructions, consents, waivers and other communications to be given pursuant to this Agreement must be in writing and shall be deemed to have been duly given and received (i) on the same day if delivered in person, by same-day courier, or by telegraph, telex or facsimile transmission (with written confirmation of receipt), (ii) on the next business day if delivered by overnight mail or courier (return receipt requested), (iii) on the date indicated by return receipt, or if there is no such receipt, on the 5th business day after delivery by certified or registered mail, postage prepaid, to the party for whom it is intended at the following addresses:
Name: | Array US, Inc. | Name: | {{CompanyName}} |
Attn: | Legal | Attn: | {{Legal_NDA_Signer}} |
Address: | 2200 N. Federal Hwy Ste 217 | Address: | {{Company_Street_Address}} |
City State Zip: | Boca Raton, FL 33431 | City State Zip: | {{Company_City_State_Zip}} |
Email: | legal@array.com | Email: | {{Legal_NDA_Signer_Email}} |
- Assignment. This Agreement shall be binding upon and inure to the benefit of the undersigned Parties, their successors and assigns. Neither Party may assign this Agreement or any right or obligation hereunder to any person at any time, without the written consent of the other Party. No assignment of this Agreement or of any right or obligation hereunder shall relieve the assignor of its obligations hereunder without the written consent of the other Party.
- Severability. All of the provisions of this Agreement are intended to be distinct and severable. If a specific provision of this Agreement is determined to be invalid or unenforceable for any reason, the validity and enforceability of the remaining provisions of this Agreement shall not be affected, and the Agreement shall thereafter be construed as if the invalid provision had not been included in the Agreement.
- Entire Agreement; Amendment; Waiver. It is understood by both Parties that this Agreement constitutes the complete agreement between the Parties with respect to the subject matter hereof and supersedes any previous understandings, agreements, negotiations, discussions, practices or customs, both written and oral, between the Parties pertaining to the subject matter hereof. This Agreement may not be amended, modified, or waived unless in writing signed by the Parties to this Agreement or in the case of a waiver, by the Party waiving compliance. The failure of a Party at any time or times to require performance of any provision, condition, or covenant hereof shall in no manner affect the right of such Party at a later time to enforce such provision, condition, or covenant or any other provision, condition, or covenant of this Agreement.
- Execution; Counterparts. This Agreement may be executed in one or more counterparts, any of which may be executed and transmitted by facsimile or PDF email, and each of which shall be deemed an original, and all of which, when together, shall constitute one and the same enforceable instrument.
- Due Diligence and Order Form. Upon execution of this Agreement, Array shall provide its standard due diligence materials and applicable order form, subject to the terms provided herein, to the Company representatives identified below:
Due Diligence: | {{Company_Due_Diligence_Contact_Email}} |
Order Form: | {{Company_Order_Form_Contact_Email}} |
IN WITNESS WHEREOF, each of the Parties, through their duly authorized representatives, have executed this Agreement and affixed their signatures herein.
BY: ARRAY US, INC. | BY: {{CompanyName}} | |||||
{{Legal_NDA_Signer_Signature}} | ||||||
Signature | Signature | |||||
Kyle E. Williams | {{Legal_NDA_Signer}} | |||||
Printed | Printed | |||||
Asst. GC | {{CompanySignerDateField}} | {{Legal_NDA_Signer_Title}} | {{CompanySignerDateField}} | |||
Title | Date | Title | Date |
Array Product Demonstration and Testing Terms of Service
Version 1.0
Effective January 17th 2025
DownloadSummary of changes
Table of Contents
Array Product Demonstration and Testing Terms of Service
Please Read Carefully.
The services that Array US, Inc., and its affiliates and subsidiaries (collectively, hereinafter “Array”, “Company”, “we”, “our”, and “us”), provides to you when you enroll in our financial wellness product offerings, including any content, data and information made available through such offerings, and the proprietary technology used to deliver such offerings (collectively, the “Services”), are subject to and governed by the terms and conditions set forth herein (“Terms of Service”).
In this Terms of Service, “you” or “your” refers to each user of the Services who is at least eighteen (18) years of age and has enrolled in our Services by creating an account at https://sm.cp11.array.com/signup. If you have not enrolled in this fashion, these terms do not apply to you. By enrolling in our Services, you represent and warrant that you are at least eighteen (18) years of age and have a valid U.S. Social Security number. You understand that by enrolling in the Services, you are submitting an electronic signature and entering into a legally binding contract with us for the provision of such Services.
By enrolling in the Services, using the Services, and/or exercising any of the rights granted to you in this Terms of Service, you accept and agree to be bound and abide by these Terms of Service and our Privacy Policy (available here: https://array.com/legal/#privacy), which are presented to you when you enroll in the Services and are incorporated herein by reference. If you do not agree to this Terms of Service or the Privacy Policy, you must not access or use the Services.
ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE DISPUTE RESOLUTION SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND ARRAY WILL BE RESOLVED BY BINDING ARBITRATION AND YOU WAIVE ANY RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS-ACTION LAWSUIT AND/OR CLASS-WIDE ARBITRATION.
- CHANGES TO TERMS OF SERVICE
- Array reserves the right to change these Terms of Service at any time, and by continuing to use the Services after we post a change to the online Terms of Service, you will be deemed to have accepted the new Terms of Service. Therefore, you should regularly check these Terms of Service for updates.
- DESCRIPTION OF SERVICES
- General. The Services include access to financial wellness product offerings and benefits presented to you at the time of purchase, which may include: credit scores and monitoring, identity protection services with dark web monitoring, social security monitoring, change of address monitoring, identity theft insurance and restoration, personal information protection with monitoring and removal of personal information from data broker and people search sites, or subscription management tools, as applicable depending upon your enrollment selections.
- Enrollment. Upon enrolling in the Services and your completion of any required authentication procedures, you will receive access to the Services, where you can access the product offerings and benefits included in the Services and manage your enrollment. In the ‘Manage Account’ section you will be able to manage your subscription, including viewing the information used in connection with the Services.
- Updates. The Services may be modified or updated at any time without notice and/or liability. Your continued use of the Services, or your failure to terminate your enrollment, after any such modifications have been made to the Services, will constitute your acceptance of those modifications.
- USE AND AVAILABLITY
- Right to Use. This Terms of Service permits you to use the Services only for your personal informational purposes, subject to the terms provided herein and our Privacy Policy. Commercial use of the Services is not permitted.
- Use and Availability. While we use reasonable efforts to keep the Services accessible, the Services may be unavailable from time to time. You understand and agree that there may be interruptions to the Services due to circumstances both within our control and outside of our control, for which we will bear no responsibility.
- Testing and Development. Some of the Services may not have been made commercially available and may not operate properly, be in final form or fully functional, may contain errors, design flaws, or other problems, and that use of the Services may result in unexpected results.
- Limitations on Use. You are only allowed to enroll yourself, and you agree to provide complete, accurate and current information in connection with the Services and to update this information when it changes. We do not permit any person to sign up for the Services on behalf of another person unless you have the requisite legal authority, such as may be provided by an executed Power of Attorney.
- Access. You are responsible for obtaining at your own expense all equipment and services needed to access and use the Services, including all devices, internet browsers and internet access. If you access the Services through a mobile or wireless device, you are responsible for all fees that your carrier may charge you for data, text messaging and other wireless access or communications services.
- Restrictions. Except as may be expressly permitted by applicable law, you may not: (i) access the Services and/or any information provided to you in connection with the Services for any purpose which is not authorized under this Terms of Service or for any unlawful purpose; (ii) obtain and/or attempt to obtain any information, materials or data through any means not intentionally made available and/or provided for through the Services; (iii) attempt to modify, make derivative works of, disassemble, reverse compile and/or reverse engineer the Services or any part-thereof; (iv) incorporate any portion of the Services into your own programs or compile any portion of it in combination with your own programs, transfer it for use with another service, or sell rent lease, lend, loan, distribute or sublicense the Services or otherwise assign any rights to the Services or any portion thereof; (v) access all or any part of the Services in order to build a product or service which competes with the Services; (vi) submit and/or transmit any emails, other communications, or materials through, or in connection with the Services that contain a virus, worm, ‘Trojan Horse’, worm, logic bomb or other material that is malicious or technologically harmful including a harmful component designed to interrupt, destroy and/or limit the functionality of any computer software, application, hardware and/or telecommunications equipment, and/or that is designed to obtain unauthorized access to any information; (vii) pretend to be someone else, use someone else’s identity or misrepresent your affiliation with a person or entity; (viii) copy or imitate part or all of the design, layout, and/or look-and-feel of the Services and/or individual sections of it, in any form or media (except that you may retain a copy of any content or information provided to you through the Services for the purposes authorized herein); (ix) use any automated or programmatic method to extract data or output from the Services, (x) take any actions that in our discretion imposes, or may impose an unreasonable load on the Services, (xi) interfere or attempt to interfere with the proper working of or delivery of the Services, and/or (xii) bypass any measures used to prevent or restrict access to the Services.
- Responsibilities. You agree to: (i) use reasonable efforts to prevent unauthorized access to and/or use of the Services and to notify us promptly of such unauthorized access and/or use; (ii) be responsible for the accuracy and quality of data you provide in connection with the Services; and (iii) act in accordance with all applicable laws, rules and regulations.
- Denial of Service. We retain the right, in our sole and absolute discretion, to deny service, access to, and/or use of the Services to anyone at any time and for any reason without liability including but not limited to violation of the restrictions set forth herein, violation of law, and/or other commercially reasonable security or legal concerns.
- PRODUCT SPECIFIC INFORMATION
- My Credit Manager. The My Credit Manager product offering may be available as part of the Services and includes access to your Vantage 3.0 credit score and three bureau credit monitoring from one or more of the credit bureaus with alerts that may affect your credit. The My Credit Manager product offering, including all content, data, and information, may be used for credit education purposes only, except to the extent you provide consent for such content, data, and information to be used for another permissible purpose. Like other credit scores offered to consumers, the credit score that we offer may not be the same score used by a lender or other commercial users for credit decisions. Credit monitoring monitors the credit file most closely identified with you based on multiple identifying factors such as first, middle and last names, current and former addresses, Social Security number and date of birth. If it is believed that the consumer data or reports may be inaccurate or missing information, your sole remedy is to contact the applicable credit bureau that is providing and reporting such inaccuracies or missing information.
- Identity Protect. The Identity Protect product offering may be available as part of the Services and includes monitoring online activity (dark web monitoring) for protection against identity theft (including change of address and social security number monitoring) and fraud prevention. It also includes identity insurance and restoration services designed to help you protect your identity (up to $1,000,000 in value). The Identity Protect product offering, including all content, data and information, may be used for education and identity protection purposes only and for no other purpose, except to the extent you provide consent for such content, data, and information to be used for another permissible purpose.
- Personal Info Protection. The Personal Info Protection product offering may be available as part of the Services and allows you to view and remove certain personal information that has been published by third parties on certain data broker websites. You understand and agree that we are not responsible for the actions or inactions of any of the data broker websites, and Array makes no representations, warranties, or guarantees related to such data broker websites. You expressly agree that Array will not be liable to you under any circumstances for any actions or inactions of third-party data brokers and/or such data broker websites, or Array’s failure for any reason to exercise an effective opt-outs on your behalf. You understand and agree that Array is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
- Subscription Manager. The Subscription Manager product offering may be available as part of the Services and allows you to view, and with your authorization, receive assistance canceling your current recurring online subscriptions and/or memberships for various products you have purchased with applicable product providers. In order to cancel a subscription on your behalf you must provide us with certain information, which may include but is not limited to: the account holder’s name, requestor’s name and relationship to the account holder (if different), and respective address, phone numbers, email addresses, account number, the applicable password, pin number, or other security credentials to access the account, and any other specific information the provider may require for us to cancel the applicable subscription. You represent and warrant that all of the information you provide to us is accurate, complete, and correct. You agree that we may rely upon and share your information with our third-party service providers (including Plaid, Inc.), agents, the provider of the applicable subscriptions and otherwise as necessary in order to provide and track the Subscription Manager product offering portion of the Services. The applicable subscription provider may require your verbal confirmation or additional information to verify that we (including our third-party service providers that assist in the provision of the Services) are acting as your agent. If this is the case, we will not be able cancel the applicable subscription until you provide the additional information or confirmation in accordance with the method required by the applicable provider. In some instances, it may be necessary for our agents to represent to the provider that they are the account holder in order to perform the cancellation, and you consent to such representation for the sole purpose of performing the Services and applicable subscription cancellation.
- BuildCredit Loan. The BuildCredit Loan product offering may be available as part of the Services and could help establish a credit score and build positive credit history. BuildCredit acts a service provider of Cross River Bank in connection with Cross River Bank’s origination of the BuildCredit Savings-Secured Loan. BuildCredit allows you to manage your loan application and repayment for the BuildCredit Savings-Secured Loan offered by Cross River Bank, member Federal Deposit Insurance Corporation. The terms of any such Credit Builder Loan are governed by agreements you make with Cross River Bank.
- CONSUMER AUTHORIZATION
- Authorization to Obtain Information from Your Bank. By enrolling in the Services, you authorize Array to obtain from your bank certain information for the limited purpose of providing the Services, including but not limited to, your name, payment account information, Social Security Number, address, date of birth, email, and phone number.
- Authorization to Access Your Credit Files. You understand that by enrolling in the Services, you are providing "written instructions" to Array and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the Services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time. Consent to obtain personal or credit data to fulfill the benefits of the Services shall be valid for as long as the Services are provided to you. You waive any and all claims against Array, its third-party service providers, and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. You further authorize Array, its third-party service providers, and its agents and employees to obtain various information and reports about you in order to provide the Services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.
- Authorization to Act on Your Behalf. By enrolling in the Services you agree that by accessing and/or using the Personal Info Protection product and selecting "Remove Exposed Information" you authorize Array and its agents, servicers, and employees, to act as your personal representative in order to submit opt-out requests to data broker sites and to (i) obtain information on your behalf; (ii) submit your personal information to the data broker websites; (iii) communicate with the data broker websites or other third parties on your behalf; (iv) agree to applicable terms and conditions imposed by data broker websites; (v) complete and sign or execute documents on your behalf; (vi) and take other actions that we believe is reasonably necessary to complete an opt-out request from a data broker website or to provide the Personal Info Protection portion of the Services.
- Authorization to Cancel Subscriptions. You may only use the Subscription Manager product offering portion of the Services for subscriptions that you have authority to make changes to with the applicable provider. By selecting ‘Cancel for Me’ and providing the applicable subscription account information to us, you grant us and our third-party service providers the authority to cancel your subscription and you represent and warrant that you have such authority. You will be liable for all fees incurred or damages that result from your use of the Services without the proper authority to do so and agree to indemnify us for any damages we may incur as a result.
- Authorization to Furnish Data to Credit Reporting Agencies. By enrolling in the Services, you authorize and are providing written instruction to Array in accordance with the Fair Credit Reporting Act (FCRA) and other applicable laws to furnish data regarding your BuildCredit Loan payments to the major credit bureaus who accept such data. Such reporting will be subject to the guidelines promulgated by or for the CRAs for such reporting, and applicable law including the Fair Credit Reporting Act.
- THIRD PARTY SERVICE PROVIDERS
- The Services are accessed by you and provided to you in connection with third-party services and information that Array does not control. The Services include access to an integrated display of certain consumer data collected and compiled from various third-party data provider sources, and include third-party product offerings, such as identity insurance and restoration services. We may also use other third-party service providers to provide the Services or to gather data and authenticate information regarding you, your device, and your accounts. In some instances, we may require you to accept third-party software tools and products through the Services. In addition to these Terms of Service, use of such third-party services may be governed by additional terms and conditions provided by the third-party service providers. Use or continued use of such third-party services after review of such additional terms shall constitute acceptance of such terms. Any information, data, services or products provided by third parties (integrated into the Services or otherwise), shall be provided “AS IS” without warranty of any kind by Array; and Array assumes no responsibility for, and specifically disclaims any liability or obligation with respect to third-party service providers.
- CANCELLATION
- Enrollment Cancellation. YOU MAY CANCEL YOUR ENROLLMENT AT ANY TIME BY SELECTING ‘CANCEL’ FROM WITHIN THE ‘MANAGE ACCOUNT’ SECTION WITHIN THE SERVICES.
- ERRORS, INACCURACIES, OMISSIONS AND PERFORMANCE
- Occasionally there may be information on the Services that contain typographical errors, inaccuracies, and/or omissions. We reserve the right to: (i) correct any errors, inaccuracies, and/or omissions; and/or (ii) make changes to content, descriptions, Services and/or other information without obligation to issue any notice of such changes, except as prohibited by law.
- PROPRIETARY RIGHTS AND LICENSES
- Ownership. The Services, any content and/or products on the Services and the infrastructure used to provide the Services are proprietary to Array, our affiliates, and/or our third-party service providers. By enrolling in the Services and accepting this Terms of Service, Array grants you a limited, personal, nontransferable, nonexclusive, non-sublicensable, revocable right to access and/or use the Services and information provided therein pursuant to this Terms of Service.
- Reservation of Rights. The materials, headers, illustrations, graphics and/or any other content on the Services, as well as the organization and layout of the Services, are copyrighted and are protected by United States and international copyright laws and treaty provisions. Subject to the limited rights expressly granted hereunder, Array and/or its third-party service providers reserve all right, title and interest in and to the Services and content, including all related worldwide intellectual property rights. No rights are granted to you hereunder other than as expressly set forth herein.
- Feedback. If you choose to submit any questions, comments, ideas, suggestions, inventions, or other information (“Feedback”) to Array, such Feedback is non-confidential and will become the sole property of Array. Array will be able to use any Feedback for any purpose including the developing, creating and/or marketing of products or services and you acknowledge Array will give no credit or compensation to you and you have no rights to the same. Array has no obligations to review any Feedback and may use and redistribute Feedback for any purpose without restriction in its sole and absolute discretion.
- TERMINATION
- We may suspend or terminate your enrollment or your use of the Services at any time, for any reason or for no reason, including without limitation in the event that (i) you breach this Terms of Service; (ii) we are unable to verify or authenticate any information you provide to us; or (iii) we believe that your actions may cause financial loss or legal liability for you, our third party service providers, or us. If you become dissatisfied with the Services, your only recourse is to immediately discontinue use of the Services and cancel your enrollment. Upon termination, all rights granted to you will automatically terminate.
- USER VERIFICATION
- Array may, in its sole discretion, verify a user’s identity prior to allowing such user to access and/or use the Services. Array may, without liability, refuse to process and/or may cancel access to the Services, as reasonably deemed necessary, to comply with applicable law and/or to respond to a case of misrepresentation, fraud and/or known and/or potential violations of the law and/or this Terms of Service.
- GEOGRAPHIC RESTRICTIONS
- Array is located in the United States. Access to the Services may not be legal by certain persons or in certain countries. If you access the Services from outside the United States, you do so on your own initiative, at your own risk, and are responsible for compliance with local laws.
- INDEMNIFICATION AND WAIVER
- You shall indemnify, defend and hold harmless Array, its officers, agents, employees, contractors, subcontractors, suppliers, third-party service providers and representatives from and against any and all claims, demands, proceedings, losses, costs, damages, awards, fees, expenses, and/or liabilities of any nature (“Claim”) arising out of and/or in the relation to (i) your violation of any law and/or the rights of a third party, (ii) any breach of this Terms of Service or the Privacy Policy by you and/or your representatives, (iii) your use of the Services, and/or (iv) fraud you commit and/or your intentional misconduct and/or negligence. You shall give prompt notice to Array upon your receipt of notice of any Claim against you which might give rise to a claim against Array.
- DISCLAIMER OF WARRANTIES
- YOU EXPRESSLY UNDERSTAND AND AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE COMPANY MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, INCLUDING, WITHOUT LIMITATION, THAT THE SERVICES WILL OPERATE ERROR FREE, WITHOUT INTERRUPTION, WILL ACHIEVE ANY INTENDED RESULT, OR THAT THE SERVICES, INCLUDING ANY CONTENT, DATA OR INFORMATION, WILL BE COMPLETE, ACCURATE OR VALID AND ARRAY EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES. ARRAY EXERCISES NO CONTROL OVER AND EXPRESSLY DISCLAIMS ANY LIABILITY ARISING OUT OF OR BASED UPON YOUR USE OF THE SERVICES. NO ADVICE AND/OR INFORMATION, WHETHER ORAL AND/OR WRITTEN, OBTAINED BY YOU FROM ARRAY OR THROUGH YOUR ACCESS TO AND/OR USE OF THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS TERMS OF SERVICE. ARRAY MAKES NO PROMISES WITH RESPECT TO, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY THIRD-PARTY WEBSITE OR APPLICATION, THIRD-PARTY SERVICES LISTED ON OR ACCESSIBLE TO YOU THROUGH THE SERVICES, INCLUDING ANY THIRD-PARTY SERVICES INTEGRATED INTO THE SERVICES.
- LIMITATION OF LIABILITY
- YOUR USE OF THE SERVICES AND CONTENT, DATA AND INFORMATON IS AT YOUR OWN RISK. IN NO EVENT SHALL ARRAY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, LICENSORS, SUPPLIERS AND/OR THIRD PARTY SERVICE PROVIDERS BE LIABLE TO YOU AND/OR ANYONE ELSE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, CONSEQUENTIAL AND/OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING THOSE RESULTING FROM LOSS OF USE, DATA, WHETHER OR NOT FORESEEABLE, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY, AND/OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF ARRAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. THE FOREGOING SHALL APPLY DESPITE ANY NEGLIGENCE, MISCONDUCT, ERRORS AND/OR OMISSIONS BY ARRAY, ITS EMPLOYEES, REPRESENTATIVES AND/OR AGENTS. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION AND/OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL AND/OR INCIDENTAL DAMAGES, IN SUCH STATES, ARRAY’S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. ARRAY’S MAXIMUM AGGREGATE LIABILITY TO YOU FOR DIRECT DAMAGES THAT YOU SUFFER IN CONNECTION WITH THE SERVICES IS LIMITED TO THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID FOR THE SERVICES IN THE PRECEDING SIX (6) MONTHS OF YOUR CLAIM.
- NO PROFESSIONAL ADVICE
- We are not a credit repair organization, credit counselor, or financial or legal advisor as defined under federal or state law. The Services are not intended to, and do not, constitute legal, professional, or financial advice, and are not a substitute for such advice and may not be used for such purposes. Always seek the advice of your attorney, tax advisor, financial planner, or other professional advisor with any questions you may have regarding such matters. Our agents, representatives, and employees are not authorized to provide any such advice or make any claims of guaranteed savings, debt settlement benefits, or representations of expected results. No written or verbal statement from our representatives shall supplement or amend this Terms of Service. We do not guarantee that any savings, settlement, or particular outcome will be achieved through the Services.
- NO GUARANTEE
- We do not guarantee that the information we present as part of the Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness, eligibility for any particular product or service, or for employment. We do not represent or guarantee the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Services. You acknowledge that any reliance upon any such information shall be at your sole risk.
- We do not guarantee that in connection with your use of the Privacy Info Protection product offering that we will find your online personal information within any third-party data, or that all data broker websites will be scanned. We do not guarantee that the Services will be effective, or that an opt-out request will be honored or responded to by the relevant data-broker websites. We do not guarantee that an opt-out request will prevent all or any future uses or disclosures of your online personal information by a data broker website, or that we will identify all instances of your online personal information that is eligible for opt-out, or that the data broker websites will not retain copies of your online personal information. Some of the data broker websites may have multiple databases and may acquire and aggregate personal information about individuals on an ongoing basis. The opt-out request we submit on your behalf may not be effective for all sources of online personal information maintained by the data broker websites, or for online personal information acquired by the data broker websites after the opt-out request. In addition, we may not locate all entries or the correct entries of your online personal information that are eligible for opt-out. Not all data broker websites offer the same type of opt-out options. Further, in some instances, even if we are able to effectively submit an opt-out request on your behalf to a data broker website, that data broker website may still maintain your online personal information in its records and may fail to honor or properly respond to an opt-out request. You understand and agree that Company is not responsible for the actions or inactions of any of these data broker sites, and that Company makes no representations, warranties or guarantees related to such data broker sites. You expressly agree that Company will not be liable to you under any circumstances for any actions or inactions of these data broker sites, or for Company’s failure for any reason to exercise effective opt-outs on your behalf.
- LINKED SITES
- The Services may provide links to various other independent third-party websites (“Linked Sites”) that may be of interest to you and are for your convenience only. Array does not control and/or endorse such Linked Sites and is not responsible for their content nor is it responsible for the accuracy and/or reliability of any information, data, opinions, advice or statements contained within such Linked Sites. You will need to make your own independent judgment regarding your interaction with these Linked Sites at your own risk. We encourage you to be aware when you leave the Services and to read the terms and conditions and privacy policy of each Linked Site that you visit. Array reserves the right to terminate any link at any time and disclaims all warranties, express and implied, as to the accuracy, validity, and legality and/or otherwise of any materials or information contained on such Linked Sites.
- COMMUNICATIONS
- By using the Services, you agree to receive certain communications in connection with such access and use. When you access and/or use the Services, you are communicating with us electronically, and you consent to receive communications from us electronically including but not limited to notices related to the Services provided to you via email and through the Services. You agree that all agreements, notices, disclosures and/or other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Your consent to receive records and notices electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further records and notices electronically at any time by contacting us. If you withdraw your consent to receive such records and notices electronically, we will revoke your access to the Services. Any withdrawal of your consent to receive records and notices electronically will be effective only after we have a reasonable period of time to process your request for withdrawal.
- DISPUTE RESOLUTION
- This Agreement shall be governed and construed in accordance with the laws of the State of New York, without resort to the conflict of law principles thereof. Except as it relates to Array’s efforts to collect unpaid Fees, any controversy, claim or dispute between the parties arising out of or relating to this Terms of Service or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, such controversy, claim or dispute shall be resolved by mandatory, binding arbitration, rather than in court. The parties agree that the arbitration shall be administered by the American Arbitration Association (AAA), or other nationally recognized arbitrator as agreed upon by the parties and the parties shall be bound by any and all rules of AAA or other mutually accepted rules and any award/decision rendered. Notwithstanding anything to the contrary in the AAA rules, the arbitrator will be empowered to order interim or permanent injunctive relief, which may be enforced in any court of competent jurisdiction. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all decisions. Any such arbitration shall include a written record of the arbitration hearing and shall be conducted by an arbitrator as agreed upon by the parties, or if no agreement can be made, then an arbitrator shall be selected by AAA experienced in complex business transactions. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys' fees) of arbitration equally. In the event a party fails to proceed with arbitration as required herein, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator's ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.
- CALIFORNIA USERS
- Under California Civil Codes, California residents are entitled to additional specific consumer rights information. To file a complaint regarding the Services or to receive further information regarding use of the Services, including to cancel your Services, please contact us at Array US, Inc., 2200 N. Federal Hwy., Suite 217, Boca Raton, FL 33431, or call us toll free at (833) 742-0200, or email us at compliance@array.com. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 400 R Street, Suite 1080, Sacramento, California 95814, or by telephone at 916.445.1254 or 800.952.5210.
- MISCELLANEOUS
- You may not assign your rights and/or obligations under this Terms of Service to any other party without our prior written consent. We may assign our rights and/or obligations under this Terms of Service to any other party at our discretion. If any provision and/or term of this Terms of Service shall become or be declared illegal, invalid or unenforceable for any reason whatsoever, such term and/or provision shall be divisible from the other terms and conditions and shall be deemed to be deleted from them. If an applicable law is in conflict with any part of this Terms of Service, this Terms of Service will be deemed modified to conform to the law and the other provisions will not be affected by any such modification. No waiver by either you and/or Array of any breach and/or default and/or failure to exercise any right allowed under this Terms of Service is a waiver of any preceding and/or subsequent breach and/or default and/or a waiver and/or forfeiture of any similar and/or future rights under this Terms of Service. All provisions in these Terms of Service regarding representations and warranties, indemnification, disclaimers, and limitation of liability will survive the termination of this Terms of Service.
- CONTACT US
- If you would like to request additional information regarding this Terms of Service or if you have feedback about our Services, or need support regarding the Services please contact us at compliance@array.com or (833) 742-0200.
- IMPORTANT CONSUMER NOTICES
- Notice Required by Law. The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA: www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0096-fair-credit-reporting- act.pdf. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. You understand and agree that Company is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.
- Removal of information. ONLY THE CREDIT BUREAUS CAN REMOVE OR CORRECT INACCURATE, UNVERIFIABLE, OR OUTDATED INFORMATION, FROM A CREDIT REPORT(S), WHICH HAS NOT BEEN CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAUS. YOU MAY CONTACT THE CREDIT BUREAUS DIRECTLY TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CREDIT BUREAUS TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT. THEREFORE, IT IS IMPORTANT THAT YOU REALIZE THAT WE CANNOT, NOR CAN ANY CREDIT REPAIR/CARE SERVICE REMOVE INFORMATION FROM YOUR CONSUMER CREDIT PROFILE.
- Privacy Notice. The information you provide may also be subject to additional terms. For example, the information we collect when you enroll in the Services is subject to additional terms detailing how we use and share your information, which can be found at https://array.pactsafe.io/#glba.
- FCRA Disclosure. The Fair Credit Reporting Act (FCRA) allows you to obtain from each national credit reporting agency a disclosure of all the information in your credit file at the time of the request. Full disclosure of information in your file at a credit reporting agency must be obtained directly from such credit reporting agency. The credit reports provided through the Services are not intended to constitute the disclosure of information by a credit reporting agency as required by FCRA or similar laws.
- Under FCRA you are entitled to receive an annual free disclosure of your credit report from each of the national credit reporting agencies (i.e. Experian, Equifax and TransUnion). To obtain the free reports, you can: (A) visit https://www.annualcreditreport.com/, (B) call 1-877-322-8228, or (C) complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
- You are also entitled to receive a free copy of your credit report from a credit reporting agency if: (A) You have been denied or were otherwise notified of an adverse action related to credit, insurance, employment, or a government granted license or other government granted benefit within the past sixty (60) days based on information in a credit report provided by such agency; (B) You have been denied a house/apartment rental or were required to pay a higher deposit than usually required within the past sixty (60) days based on information in a credit report provided by such agency; (C) You certify in writing that you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification; (D) You certify in writing that you are a recipient of public welfare assistance; or (E) You certify in writing that you have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.
- 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 to dispute inaccurate or incomplete information in your credit file maintained by the credit reporting agencies.
- In addition, if you reside in the state of Colorado, Maine, Maryland, Massachusetts, New Jersey, or Vermont, you are entitled to receive a free copy of your credit report once a year and if you reside in the state of Georgia, you are entitled to receive a free copy of your credit report twice a year. If you are a resident of Mississippi, then beginning in 2016, you are entitled to free credit reports for three (3) years. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.
- Any credit report you receive through the Services is not intended to constitute the disclosure of information required by FCRA or similar state laws.