The following terms and conditions ("Terms") govern all use of the app.jumpcredit.com and www.jumpcredit.com websites and all content, services, and products available at or through the website, including, but not limited to, Jump Credit (taken together, our "Services"). Our Services are offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Jump Credit’s Privacy Policy) and procedures that may be published from time to time by Jump Credit (collectively, the "Agreement").

If you reside in the United States, your agreement is with Jump Credit LLC ("Jump Credit," "we," us" or "our"). If you do not reside in or are located outside of the United States, you may not use the software.

You agree that we may automatically upgrade our Services, and these Terms will apply to any upgrades. If our Services upgrades require an updated Agreement, you'll be alerted to the updated Agreement when logging in.

Please read this Agreement carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to become bound by the Terms of this Agreement. If you do not agree to all the Terms of this Agreement, then you may not access or use any of our Services. If these Terms are considered an offer by Jump Credit, acceptance is expressly limited to these Terms.

Use of our Services requires a Jump Credit account. You agree to provide us with complete and accurate information when you register for an account. You will be solely responsible and liable for any activity that occurs under your account. You are responsible for keeping your password secure. Please do not share your account.

By using our Services, you certify that:

• You are 18 years of age or older
• You are in the United States of America
• You are using our services behalf of a non-profit organization, a government organization, or another authorized program.
• You are otherwise complying with all applicable laws and regulations including but not limited to the Fair Credit Reporting Act

Additional applicable laws and regulations may vary based on your business type, structure, and state. JUMP CREDIT ASSUMES NO RESPONSIBILITY FOR CONFIRMING THAT YOU ARE COMPLYING WITH ALL APPLICABLE LAWS AND REGULATIONS.

We provide software to help organizations offer credit related programs to their clients. Our software is intended to be used as a tool to assist you in offering a service. It's important that you don't misrepresent our services and what we're able to do.

• You may not share your account
• You may not use the Jump Credit logo without prior written permission
• You may not attempt to circumvent or disable any security settings
• You may not reverse engineer our Service or the underlying technology
• You may not refer to Jump Credit as a credit counseling organization or credit repair firm
• You may not portray Jump Credit as having any relationship with any credit scoring model developing firm or credit bureau
• You may not make guarantees to clients related to credit score improvements resulting from using our Services alone
• You may not use credit reports or credit scores obtained through Jump Credit for the purpose of making an offer of credit
• You may not use our Services in connection with any form of credit repair
• You may not obtain credit reports from Jump Credit unless you are helping an individual obtain their own credit report

We allow you to upload content to our Services. You are entirely responsible for the content of, and any harm resulting from, that Content or your conduct. That is the case regardless of what form the Content takes, which includes, but is not limited to text, images, email addresses, phone numbers, personal information, and full credit reports. By uploading content to our Services, you certify that:

• Any information you provide will be true, accurate, current and complete
• The content does not infringe on the copyright of another party
• You are not impersonating another party
• You have the permission of all applicable parties to upload content
• You have the permission of all applicable parties to send email or text messages
• If the content is personal information, the subject of the information is 18 years of age or older
• If the content is personal information, the subject of the information is located in the United States
• If the content is personal information for the purpose of pulling a credit report or credit score, the subject of the information has given you explicit permission to obtain, collect, and store the applicable data, and has agreed to any additional permission statements required to obtain a credit report

JUMP CREDIT ASSUMES NO RESPONSIBILITY FOR CONFIRMING THAT YOU HAVE THE APPROPRIATE PERMISSION(S) FOR THE CONTENT YOU UPLOAD. IN THE CASE OF A DISPUTE, IT WILL BE YOUR SOLE RESPONSIBILITY TO PROVIDE PROOF THAT YOU REQUIRED APPROPRIATE PERMISSION(S) FOR THE CONTENT YOU UPLOADED. YOU AGREE TO NOT HOLD JUMP CREDIT LIABLE FOR ANY CLAIMS RESULTING FROM CONTENT YOU UPLOADED WITHOUT PROPER AUTHORITY.

We will allow you to send us comments, suggestions, and other feedback regarding problems or improvements to our Services ("Feedback"). By submitting, posting or otherwise providing feedback, you grant us a perpetual license to use your Feedback in any manner and any purpose to provide, improve, or market our Services.

This Agreement does not transfer from Jump Credit to you any Jump Credit or third party intellectual property, and all right, title, and interest in and to such property will remain (as between the parties) solely with Jump Credit. Jump Credit and all other trademarks, service marks, graphics and logos used in connection with Jump Credit or our Services, are trademarks or registered trademarks of Jump Credit or Jump Credit’s licensors. Other trademarks, service marks, graphics and logos used in connection with our Services may be the trademarks of other third parties. Your use of our Services grants you no right or license to reproduce or otherwise use any Jump Credit or third-party trademarks.

We are constantly updating our Services, and that means sometimes we have to change the legal terms under which our Services are offered. If we make changes that are material, we will let you know by announcing that changes were made on the software homepage or by sending you an email. If you disagree with our changes, then you should stop using our Services immediately. Your continued use of our Services will be subject to the new terms. However, any dispute that arose before the changes shall be governed by the Terms (including the binding individual arbitration clause) that were in place when the dispute arose.

All analysis or estimates provided are based on assumptions and are based on internal data. All information in our Services is for educational purposes. Our Services should not be used as a replacement for talking with a financial professional. Our Services should not be used as a replacement for looking at a full form copy of a credit report or obtaining a credit score. Jump Credit is not a credit counselor, financial or legal advisor, or credit repair organization. Credit scores are complicated and the datapoints driving a credit score vary highly from person to person. Following suggestions from Jump Credit may not have a direct or positive effect on credit scores. You must comply with all laws that are applicable when using our Services, including but not limited to the Fair Credit Reporting Act.

Jump Credit may terminate your access to all or any part of our Services at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement, you may simply discontinue using our Services. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Our Services are provided "as is." Jump Credit and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Jump Credit nor its suppliers and licensors, makes any warranty that our Services will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, our Services at your own discretion and risk.

Jump Credit disclaims any liability for any errors or omissions in content produced by our services including inaccuracy or incompleteness. All analysis and information you receive through our services will be used at your own discretion and risk.

Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of our Services will be governed by the laws of the state of Delaware, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Delaware.

Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. ("JAMS") by one arbitrator appointed in accordance with such Rules. The arbitration shall take place in Wilmington, Delaware, in the English language and the arbitral decision may be enforced in any court.

You and Jump Credit both agree to arbitrate claims on an individual basis and both waive rights to participate in a class action claim.

In no event will Jump Credit and its representatives, agents, and any of their respective officers, directors, employees, parent entities, subsidiaries, affiliated entities, representatives, agents, and licensors (collectively, the "Jump Credit Parties") will not be liable to you or any third party for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption or leaking of data. Jump Credit shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

You represent and warrant that (i) your use of our Services will be in strict accordance with the Jump Credit Privacy Policy, with this Agreement, and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of our Services will not infringe or misappropriate the intellectual property rights of any third party.

You agree to indemnify and hold harmless Jump Credit, its contractors, and its licensors, and their respective directors, officers, employees, and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of our Services, including but not limited to your violation of this Agreement.

Fees for Paid Plan
Some of our Plans are offered for a fee. By subscribing to a Paid Service, you agree to pay the specified fees. For recurring fees, we’ll bill or charge you in regular automatically-renewing intervals (such as monthly or annually) until you cancel, which you can do at any time by contacting the relevant support team.

Payment
If your payment fails or if Paid Services are otherwise not paid for or paid for on time, we may immediately cancel or revoke your access to the Paid Services. If you contact your bank or credit card company to decline or reverse the charge of fees for Paid Services, we may revoke your access to our Services in general.

Automatic Renewal
To ensure uninterrupted service, recurring Paid Services are automatically renewed. This means that unless you cancel a Paid Service before the end of the applicable subscription period, it will automatically renew, and you authorize us to invoice you or use any payment mechanism we have on record for you to collect the then-applicable subscription fee. By default, your Paid Services will be renewed for the same interval of time as your original subscription period. For example, if you purchase a Jump Credit monthly plan, you will be charged each month for the same plan for the following month. We may charge your account up to two days before the end of the subscription period. It is your responsibility to make sure you are aware of when your account will renew. The date for the automatic renewal is determined automatically based on the date of the original purchase and cannot be changed. You can view your renewal date by visiting your Billing page if you are an account administrator.

Cancelling Automatic Renewal
If you are an account administrator, you can manage and cancel your Paid Services on the Billing page. If you have a custom plan, please contact us directly to change or cancel your plan.

Fee Changes
We may change our fees at any time, or start charging fees for Services that were previously free. When applicable, we may give you advance notice of the fee changes. If you don’t agree with the fee changes, you must cancel your Paid Service.

Refunds
While you may cancel a Paid Service at any time, refunds are issued in our sole discretion, unless otherwise required by applicable law.

Free Trial
Your account may come with a free trial. Features available during your free trial may be limited, and we may revoke or modify your access to our Service in our sole discretion at any time.

This Agreement constitutes the entire agreement between Jump Credit and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Jump Credit, or by the posting by Jump Credit of a revised version.

If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof.

You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Jump Credit may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.

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We can't give you legal advice, and anything you might see on this website or on this page shouldn't be used as a substitute for legal advice. If you're looking for legal advice, please seek legal counsel.