Effective Date: January 2011
This Website (the "Site") is an online source of information about FICO, products provided by FICO, and related matters for your personal use, subject to your agreement to the provisions set forth below.
Please note that FICO is not a credit repair organization or similarly regulated organization governed by the federal Credit Repair Organizations Act or similar state laws. FICO does not provide so-called "credit repair" services or advice or give advice or assistance regarding "cleaning up" or "improving" your credit record, credit history, or credit rating.
1. Disclaimer of Warranties and Liability
This Site is for informational purposes only, and is intended to provide helpful and informative material on the subjects addressed. FICO does not provide legal, accounting, investment, financial, or any other kind of professional advice or services. To make sure that information or suggestions on this Site fit your particular circumstances, you should consult with an appropriate professional before taking action based on any suggestions or information on this Site. FICO does not control the content of your credit reports, which are based on your past or historical credit behavior, and we cannot change that information for you. Neither you nor anyone else has the right to have accurate and current information removed from your credit report. However, if information in your report is inaccurate, you have the right to dispute it by contacting the applicable credit bureau. We provide additional information about contacting the credit bureaus elsewhere on the Site.
Information and products offered by FICO through this Site are provided "as is" and without any express or implied warranty or representation of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. FICO makes no representation concerning, nor does it warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability, or fitness for any particular use or purpose of any information, products, or services offered by FICO through this Site. In no event will FICO be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages, for any use of this Site or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, or failure to achieve any particular result, whether in an action based on contract, negligence, other tort, or strict liability, even if FICO is expressly advised of the possibility of those types of damages. Some jurisdictions do not allow the exclusion or limitation of warranties or damages in certain types of agreements, so the above exclusions or limitations may not apply to you.
Interactive tools such as coaching modules, simulators, and calculators are made available to you as information for your independent, personal use. We make no representations concerning, and do not guarantee, their accuracy or their applicability to your circumstances. Tools that are "personalized" reflect information about you (e.g., your FICO® Score and the factors that are helping or hurting your score), but do not necessarily take all relevant information into account or provide results specific to your individual circumstances. The results of the FICO® Score Simulator ("Simulator") are intended to approximate the impact of various actions on your FICO® Score – if your situation is reasonably typical and if everything else stayed the same. Your actual score, and the results of any particular action, are the result of a complex interaction of the information stored in your credit report, some of which changes on a daily basis. The Simulator is provided for informational purposes only and should not be expected to provide accurate predictions in all situations. Consequently, we make no promise or guarantee with regard to the Simulator.
Information posted in Ask FICO is public information. Comments, suggestions, ideas, or materials (including without limitation original or creative materials) sent or transmitted to FICO or posted in Ask FICO ("Feedback") will be considered non-confidential (even if they are marked confidential) and will become the sole property of FICO. FICO has no obligation of any kind with respect to your Feedback and will be free to use, copy, modify and/or distribute the Feedback to others without limitation for any purpose, commercial or otherwise, without compensation or acknowledgement to you, including, but not limited to, developing and marketing products and services incorporating your Feedback.
3. Trademark Rights
The FICO product and service names referenced in this Site, including without limitation FICO, myFICO and FICO-the score lenders use™ (collectively, "FICO Marks") are trademarks or registered trademarks of Fair Isaac Corporation in the United States and may be trademarks or registered trademarks of Fair Isaac Corporation in other countries. Your use of the FICO Marks is governed by the FICO Third-Party Trademark and Logo Usage Requirements. Other products and company names mentioned on the Site may be the trademarks of their respective owners.
4. Copyright Notice
Copyright Notice: © 2001-2012 FICO, All Rights Reserved. Except as otherwise provided, FICO owns all content contained in this Site, including without limitation computer code and the information, materials, text, graphics, Site design, and the selection, assembly and arrangement of those items ("Content"). The Content is protected by copyright laws of the U.S. and other countries, and you may not use it for any commercial purpose or copy, distribute, display, modify, reproduce, perform, publish, post, or reverse engineer any Content, in whole or in part, without the prior written permission of FICO. Please refer to the FICO Copyright Usage Requirements for additional information concerning copyrights. For more information please email your request to Contact Us or send regular mail to Internet Manager; FICO; 200 Smith Ranch Road; San Rafael, CA 94903; USA.
5. Linking Policies
You are granted a limited, non-exclusive right to create a hypertext link to this Site provided that the link (i) does not portray FICO and/or its affiliates or any of their respective products in a false, misleading, derogatory, or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement, or affiliation of your web site or products by FICO. Further, you may not create a hypertext link to this Site if you are a credit repair organization as defined in the federal Credit Repair Organizations Act or similar state laws. This limited linking right may be revoked by FICO at any time. You may not modify or alter the appearance or Content of the Site, nor use framing techniques to enclose any FICO web page, nor use or copy any trademark, logo, or other proprietary information, including the images found at this Site, the content of any text or the layout/design of any page or form contained on a page without FICO's express written consent. To obtain consent, please email your request to Contact Us or send regular mail to Internet Manager; FICO; 200 Smith Ranch Road; San Rafael, CA 94903; USA.
FICO makes no representations, warranties, or endorsements with respect to any non-FICO web site which may be accessed through a link on this Site. When you access a non-FICO web site, please understand that FICO has no control over the content or information or any products or services offered at that site or the privacy policies relating to that site.
6. International Use
Unless otherwise specified, the materials on this Site are intended for use by US residents only. Recognizing the global nature of the Internet, you agree to comply with all local laws including, without limitation, laws about the Internet, data, email, export, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States and the country in which you reside.
7. Resolution of Claims and Disputes; Arbitration
This Site is controlled and operated by FICO through its corporate headquarters in the State of Minnesota and this Agreement will be governed by, construed and enforced in accordance with the laws of the State of Minnesota, as it is applied to agreements entered into and to be performed entirely within that State.
The award of the arbitrators may be enforced by the prevailing party in any court having jurisdiction. Each party consents to the non-exclusive jurisdiction of the courts of the State of Minnesota or to any Federal Court located within the State of Minnesota for any action (i) to compel arbitration, (ii) to enforce any award of the arbitrators, or (iii) at any time prior to the qualification and appointment of the arbitrator, for temporary, interim, or provisional equitable remedies.
You agree that, even if a statute of limitations or other law provides for a longer time period, any action against FICO, its officers, directors, employees, agents, licensors, suppliers and any third party providers of information, products, or services relating to this Site or any information, products, or services available on or from this Site must be brought within 12 months after the event that gave rise to the cause of action or it is forever barred.
BECAUSE YOUR USE OF THIS SITE REQUIRES THAT YOU CONSENT TO ARBITRATION OF YOUR CLAIMS OR DISPUTES, YOU WILL NOT HAVE THE RIGHT TO PURSUE YOUR CLAIM IN COURT OR BEFORE A JUDGE OR JURY OR TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR'S DECISION WILL BE FINAL AND BINDING. OTHER RIGHTS THAT EITHER PARTY WOULD HAVE IF THAT PARTY WENT TO COURT, INCLUDING WITHOUT LIMITATION THE RIGHT TO CONDUCT DISCOVERY OR TO APPEAL, MAY BE LIMITED OR UNAVAILABLE IN ARBITRATION. IF ANY COURT WERE TO FIND THAT THE ARBITRATION CLAUSE WERE UNENFORCEABLE FOR ANY REASON, THEN YOU AGREE TO PURSUE YOUR CLAIM EXCLUSIVELY IN A STATE OR FEDERAL COURT IN MINNEAPOLIS, MINNESOTA, AND AGREE THAT A JUDGE RATHER THAN A JURY IS TO ADJUDICATE YOUR CLAIM.
NOTICE TO ILLINOIS RESIDENTS: MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST, AT NO CHARGE OR FOR A NOMINAL FEE.
Under federal law you have a right to receive a free copy of your credit report from each of the three major credit bureaus each 12 months, and we encourage all consumers to take advantage of this law. However, you should know that the free credit reports do not include your FICO® Score. You should also know that "credit scores" offered by others may not be FICO® Scores and may not be scores that are used by lenders in making credit decisions.
FICO is not responsible for delays or failure to perform due to causes beyond its reasonable control.
It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items.