What Credit Karma's terms say
Credit Karma's terms of service and privacy policy have 31 rated points: 1 serious, 10 bad, 16 worth knowing and 4 good. 27 apply whenever you use the site, signed in or not; 4 only once you have an account.
Whenever you use Credit Karma
Serious 1
Sensitive data is collected and shared to target advertising
Where it says this ↗
Bad 10
You are forced into binding arbitration in case of disputes
This service forces users into binding arbitration in the case of disputes
Where it says this ↗You are tracked via web beacons, tracking pixels, browser fingerprinting, and/or device fingerprinting
Where it says this ↗Your personal data may be disclosed to comply with government requests without notice to you
This service reserves the right to disclose your personal information without notifying you
Where it says this ↗Terms may be changed any time at their discretion, without notice to you
Where it says this ↗Information is gathered about you through third parties
Where it says this ↗Your personal data may be sold or otherwise transferred as part of a bankruptcy proceeding or other type of financial transaction
Where it says this ↗A secure, anonymized record of your data may be kept for analytical purposes after the data retention period ends
The service may keep a secure, anonymized record of your data for analytical purposes even after the data retention period
Where it says this ↗Some personal data may be kept for business interests or legal obligations
Where it says this ↗Your personal information is used for many different purposes
Where it says this ↗
Worth knowing 12
You agree to comply with the law of the service's country
Users agree to comply with the law of the service's country
Where it says this ↗The service can stop being provided at any time
They may stop providing the service at any time
Where it says this ↗Third parties are involved in operating the service
Third parties may be involved in operating the service
Where it says this ↗No guarantee is made reguarding the accuracy and/or reliability of the information provided
The service does not guarantee accuracy or reliability of the information provided
Where it says this ↗This service informs you that its Terms of Service does not apply to third-party services
This service informs you that its Terms of Service does not apply to third party websites
Where it says this ↗There is a date of the last update of the agreements
Where it says this ↗This service gives your personal data to third parties involved in its operation
Where it says this ↗Do Not Track (DNT) headers are ignored and you are tracked anyway even if you set this header
Do Not Track (DNT) headers are ignored and you are tracked anyway even if you set this header.
Where it says this ↗Blocking first-party cookies may limit your ability to use the service
Blocking first party cookies may limit your ability to use the service
Where it says this ↗Your personal data may be aggregated into statistics
Your personal data is aggregated into statistics
Where it says this ↗Your IP address is collected, which can be used to view your approximate location
Where it says this ↗You agree to defend, indemnify, and hold the service harmless in case of a claim related to your use of the service
Where it says this ↗
Good 4
The terms for this service are easy to read
The terms for this service are easy to read and include plain language summaries
Terms include a table of contents and most, but not all, sections include a plain language summary.
Where it says this ↗You are warned of the potential consequences related to third-party access
The service warns you of the potential consequences related to third-party access
Where it says this ↗This service claims that your personal data is not being sold
Your personal data is not sold
Where it says this ↗Information is provided about how your personal data is collected
Information is provided about how they collect personal data
Where it says this ↗
If you have a Credit Karma account
Worth knowing 4
This service is only available to users over a certain age
This service is only available to users of a certain age
Where it says this ↗You cannot distribute or disclose your account to third parties
Where it says this ↗You agree not to submit libelous, harassing or threatening content
Where it says this ↗You are responsible for maintaining the security of your account and for the activities on your account
Where it says this ↗
The documents
- Terms of Service ↗
- Privacy Policy ↗
- User Content Rules ↗ account holders
- CCPA Rights ↗
- Security Practices ↗
Ratings by ToS;DR volunteers; they can lag behind the current terms. Not legal advice.