Date Last Revised: April 26, 2023
A. TERMS APPLICABLE TO ALL USERS
In accessing and using the Services, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the Website) or you are a “Member” (which means that you have registered with Credit Sesame). The term “you” or “User” refers to a Visitor or a Member. The term “we” refers to Credit Sesame, Inc. If you wish to become a Member, communicate with other Members and/or make use of the Services, you must read this Agreement and indicate your acceptance during the registration process.
You may not use the Services and you may not accept this Agreement if you are not of a legal age to form a binding contract with Credit Sesame, Inc.
If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of another person, company, or entity that you have the authority to bind such person or entity. You can find the most up-to-date Agreement on the Website.
CHANGES TO TERMS
Credit Sesame, Inc. may, at any time, for any reason and without notice, make changes to the Services including its look, feel, format, content, accessibility, and availability. Any modifications will take effect when posted to the Website or Mobile App or in any communication to you. Therefore, each time you access the Services, you may wish to review the Agreement upon which access and use of this Website, Mobile App, and Services are conditioned. By continuing your use of the Services after changes are posted, you will be deemed to have accepted such changes.
DESCRIPTION OF SERVICES
Personal Finance Management
The personal finance information management service is focused on finding financial products and services for you, tracking and collecting information, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates, and home value, and product information, such as loan, eligibility, and requirement information from major lenders. Based on this information collection, you are presented with a view of your current key financial figures in assets, debt and credit areas of personal finance, as well as, top loan and financing recommendations personalized to your profile and preferences using our proprietary technology and analytics, which information, alerts, and updates may be presented to you in the form of periodic emails, push notifications, SMS, and other communications. Please see the Member Communication Section below for more details.
The Services are provided to you free of charge and are meant to assist you with finding better financing options to manage your personal finances. They are not intended to provide legal, tax, or financial advice. Credit Sesame makes no representations regarding the frequency with which it updates Member data and may at its discretion temporarily stop or permanently discontinue updating Member data at any time.
If you choose to register as a Member, you must at the time of signing up provide “Written Instructions” to authorize Credit Sesame to access your credit report. The terms you must agree to in order to provide such authorization will be displayed to you prior to you agreeing to participate in the Member program. You may withdraw your authorization and membership at any time in the manner specified in this Agreement.
Credit Sesame is the program manager for Community Federal Savings Bank’s (“CFSB”) Mastercard-branded prepaid card (“Sesame Cash”). If you elect to be a Sesame Cash user, you will be subject to this Agreement along with the Sesame Cash Terms of Service and Cardholder Agreement.
The premium subscription services are premium packages designed to include tools and services to assist in democratizing financial wellness. The services included in each package may vary. Credit Sesame is not a credit repair organization and is not offering to sell, provide, or perform any service to you for the express or implied purpose of either improving your credit record, credit history, or credit rating or providing advice or assistance to you with regard to any of the previously mentioned. In order to provide certain services under the premium packages Credit Sesame must be provided with accurate and complete information. Any inaccurate, untrue, or incomplete information may cause delays in providing certain services under the packages. Furthermore, we may be required to reach out to third parties to validate information before select services can be provided. The packages consist of many services and Credit Sesame will not be liable for delays resulting from the above in providing services. In the event that the information provided to Credit Sesame is falsified, Credit Sesame may, at its sole discretion, suspend or terminate services, and, if applicable, delete tradeline information that is inaccurate.
We reserve the right to change fees related to premium packages or discontinue services. Please note that you are responsible for any applicable state, federal, or other taxes associated with your purchase unless noted otherwise and we may collect all applicable sales taxes.You agree to pay all fees to which you have consented for the billing period in which the premium package has been provided.
If the premium package selected includes rent reporting, you understand that we cannot add unverified, false or misleading information to your consumer credit report. YOU UNDERSTAND THAT WE ARE OBLIGATED TO REPORT INFORMATION PROVIDED BY YOUR LANDLORD OR PROPERTY MANAGER WHICH MAY INCLUDE LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS RELATED TO THE LEASE AGREEMENT. If you believe that we have furnished any inaccurate information related to the rent reporting service to any credit reporting agency, you can notify us at firstname.lastname@example.org. To help in processing your request please include: your legal name, address, telephone number, the name of your landlord or property manager, and any and all supporting documentation or information you have to substantiate the basis of your dispute.
The decision regarding which information to include on a consumer credit report is up to the credit reporting agencies. Credit Sesame is not responsible for the data provided by your landlord or property manager once it is received by the credit reporting agencies, and you agree to hold Credit Sesame harmless against any such claims (subject to, if applicable, Credit Sesame’s obligations related to disputes under the Fair Credit Reporting Act).
Telephone (calls, SMS, and messages)
By agreeing to this Agreement, you consent to receive periodic calls and recurring messages (including an average of 8 SMS per month) to the telephone numbers(s) associated with your Credit Sesame account. Credit Sesame will send these messages from its short-code: 20330. These communications may include account verification, support, and transactional messages including, but not limited to, credit monitoring alerts and credit profile updates. Additional promotional or marketing messages may be sent using the same short-code, but only after you provide additional express written consent to receive such messages. After providing consent you may continue to receive calls and messages (including SMS), and may opt-out by replying STOP or by calling 866-720-0893. For assistance, text HELP or call (866) 720-0893. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
You certify, warrant, and represent that the telephone numbers that you have provided are your personal telephone numbers.
You may also receive push notifications, direct mail, and other communications.
PRIVACY SURROUNDING YOUR PERSONAL INFORMATION
The Services are directed to those individuals and entities located in the United States. The Services are not directed to any person or entity in any jurisdiction where (by reason of nationality, residence, citizenship or otherwise) the publication or availability of the Services are unavailable or otherwise contrary to local laws or regulations. If this applies to you, you are not authorized to access or use any of the Services. Credit Sesame, Inc. makes no representation that the information, opinions, advice or other content provided through the Services is appropriate or that the Services are available outside of the United States. Those who choose to access the Services from other locations do so at their own risk and are responsible for compliance with applicable local laws.
Technologies and processes embodied or used by this Website or the Mobile App are covered under one or more patent pending filed by Credit Sesame, Inc. with the United States Patent Trademark Office.
The content and materials provided as part of the Services, as well as the organization and layout of this Website and Mobile App, are copyrighted and are protected by United States and international copyright laws and treaty provisions. You may access, download and print materials on this Website solely for your personal and non-commercial use; however, any print out of this Website or Mobile App, or portions of the Website or Mobile App, must include Credit Sesame’s copyright notice. No right, title or interest in any of the materials provided through the Services is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Website or Mobile App, create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Website or Mobile App without the prior written permission of Credit Sesame, Inc.
Except as expressly provided under this Agreement, you may not use, reproduce, modify, transmit, distribute, or publicly display or operate this Website, Mobile App, or Content without the prior written permission of Credit Sesame, Inc. You may not use a part of this Website, Mobile App, or Content on any other website, without Credit Sesame, Inc.’s prior written consent.
Credit Sesame, Inc. respects the intellectual property rights of others and expects you to do the same. The policy of Credit Sesame, Inc. is to terminate the accounts of copyright offenders and other users who infringe upon the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at email@example.com.
Credit Sesame (including the Credit Sesame logo) and CreditSesame.com or all other related logos or sites are trademarks of service marks of Credit Sesame. Other company product and service names and logos used and displayed on this Website or in the Mobile App may be trademarks or service marks owned by Credit Sesame or others. You may not use, copy, display, distribute, modify or reproduce any of the Credit Sesame trademarks found on the Website or in the Mobile App except in accordance with written authorization by us.
OPTING-OUT; TERMINATION OF ACCOUNT
FREE CREDIT SESAME MEMBERS
To terminate your free Credit Sesame membership, click here to log in to your account. From the dashboard, select “profile” and click “terminate” at the bottom of the profile page.
To cancel your premium subscription on web and mobile-web, visit the “profile” section of your Credit Sesame account and select the “premium plan” to make any changes. Please note that cancelling any premium subscription will not impact your free Credit Sesame membership.
Self-Cancellation (Mobile App):
To cancel your premium subscription via the Mobile App, select the menu option in the top right corner of your overview tab, select “profile and settings” and under “Premium Plan”, select “Cancel Premium Plan”. Then select the Credit Sesame app and confirm “Unsubscribe”. Please note that cancelling any premium subscription will not impact your free Credit Sesame membership.
Once set for cancellation, your premium subscription will still be active until the billing period expires. Should you wish to terminate your free Credit Sesame membership once your premium subscription has expired, you can log into your account and terminate your account following the process above for free members. In the event you do not wish to keep your premium subscription active until the end of the billing period, please submit a separate request to firstname.lastname@example.org.
If you are using the Mobile App and decide to delete the application from your device, your account will not be automatically terminated. You will still need to terminate your Credit Sesame account by one of the methods described in this section.
Please send a request to Member Success for any additional assistance including issues with self-cancellation.
Please be sure to use the email address associated with your premium subscription when contacting Member Success.
Be sure to also include all of the following information in your request:
- full name on the account
- email address associated the account
SESAME CASH CARDHOLDERS
Please contact Sesame Cash Support to terminate your Sesame Cash account.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Services, you warrant to Credit Sesame, Inc. that you will not use the Content for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Services in any manner that could damage, disable, overburden, or impair the Website or Mobile App or interfere with any other party’s use and enjoyment of the Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website or Mobile App.
Gathering email addresses from Credit Sesame, Inc. through harvesting or automated means is prohibited. Posting or transmitting unauthorized or unsolicited advertising, promotional materials, or any other forms of solicitation to other users is prohibited. Inquiries regarding a commercial relationship with Credit Sesame, Inc. should be directed to: email@example.com.
THE SERVICES, ARE PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH CREDIT SESAME, INC. EXPRESSLY DISCLAIMS. CREDIT SESAME, INC. DOES NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND CREDIT SESAME, INC. WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE. CREDIT SESAME, INC. MAKES NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE SERVICES AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT THE SERVICES YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY CREDIT SESAME, INC. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM JURISDICTION TO JURISDICTION.
GOVERNING LAW, LOCATION AND MISCELLANEOUS
This Agreement shall be governed in all respects by the laws of the State of California, USA, without reference to its choice of law rules. If an applicable law is in conflict with any part of this Agreement this Agreement will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.
You may have other agreements with Credit Sesame, Inc. Those agreements are separate and in addition to this Agreement. This Agreement does not modify, revise or amend the terms of any other agreements you may have with Credit Sesame, Inc.
You represent that you are a United States resident.
You understand and agree that any alerts provided by the Service may be delayed or prevented by many factors. Credit Sesame will do its best to provide alerts with utmost accuracy and in a timely fashion; however, we do not guarantee the delivery or accuracy of the content of our alerts. You also agree that Credit Sesame will not be liable for any inaccuracies or the delays in the alerts, nor will Credit Sesame be liable for any actions taken or not taken by you or a third party in reliance on Credit Sesame alerts.
You are solely responsible for your interactions with other users. Credit Sesame, Inc. reserves the right, but has no obligation, to monitor disputes between you and other users.
USER SUBMISSIONS AND COMMUNICATIONS; PUBLIC AREAS:
You acknowledge that you own, are solely responsible or otherwise control all of the rights to the content that you post, that the content is accurate, that use of the content you supply does not violate this Agreement and will not cause injury to any person or entity, and that you will indemnify Credit Sesame, Inc. and its affiliates for all claims resulting from content you supply.
If you make any submission to an area of the Website accessed or accessible by the public (“Public Area”) or if you submit any business information, idea, concept or invention to Credit Sesame, Inc. by email, you automatically represent and warrant that the owner of such content or intellectual property has expressly granted Credit Sesame, Inc. a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. Credit Sesame, Inc. may sublicense its rights through multiple tiers of sublicenses. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, you must not submit them to the Public Areas or to Credit Sesame, Inc. by email. We try to answer every email in a timely manner, but are not always able to do so.
Some of the forums (individual bulletin boards and posts on the social network, for instance) on the Website are not moderated or reviewed. Accordingly, users will be held directly and solely responsible for the content of messages that are posted. Although it will not moderate the forums, the Website reviewer will periodically perform an administrative review for the purpose of deleting messages that are old, have received few responses, are off topic or irrelevant, serve as advertisements or seem otherwise inappropriate. Credit Sesame, Inc. has full discretion to delete messages.
Users are encouraged to first read the specific forum rules displayed in each discussion forum before participating in that forum. Read more about our general Community Guidelines here.
Credit Sesame, Inc. reserves the right (but is not obligated) to do any or all of the following:
- ) Record the dialogue in public chat rooms.
b. ) Examine an allegation that a communication(s) do(es) not conform to the terms of this section and determine in its sole discretion to remove or request the removal of the communication(s).
d. ) Terminate a Member’s access to any or all Public Areas and/or the Credit Sesame, Inc. Website upon any breach of this Agreement.
e. ) Monitor, edit, or disclose any communication in the Public Areas.
f. ) Edit or delete any communication(s) posted on the Credit Sesame, Inc. Website, regardless of whether such communication(s) violate these standards.
Credit Sesame, Inc. reserves the right to take any action it deems necessary to protect the personal safety of our Members or the public. Credit Sesame, Inc. has no liability or responsibility to users of the Credit Sesame, Inc. Website or any other person or entity for performance or nonperformance of the aforementioned activities.
ARBITRATION AND CLASS ACTION WAIVER
Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Credit Sesame, Inc. confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to this Agreement or the Services shall be settled by binding arbitration in accordance with the commercial arbitration rules, in effect at the time the proceedings begin, of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in the State of California, USA.
All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorization of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorization of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.
Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator’s decision and any award contained therein.
LIMITATION OF LIABILITY
YOUR USE OF THE SERVICES ARE AT YOUR OWN RISK. CREDIT SESAME, INC. SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE SERVICES (EVEN IF CREDIT SESAME, INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR MOBILE APP OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE OR THE CONTENT. IF ANY OF THE FOREGOING LIMITATIONS ARE FOUND TO BE INVALID, CREDIT SESAME’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE WHATSOEVER SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.. . SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold Credit Sesame, Inc., its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.
CREDIT BADGE™ PROGRAM
Legal Disclaimer: This disclaimer governs your use of the Credit Sesame Credit Badge™ program (the “Program”); by using the Program or considering the information provided thereby, you agree to and accept this disclaimer in full. If you disagree with any part of this disclaimer, do not use the Program or consider any information provided by the Program.
All information provided by the Program is for general, personal information purposes only and is not intended for legal purposes. Program badges and certificates are granted based on the information available to Credit Sesame from the individual’s credit report (or excerpts thereof) as of the most recent date pulled by Credit Sesame prior to the date of grant of the badge or certificate in question and other financial information. Credit Sesame takes reasonable efforts to obtain updates of this information from time to time but the information is subject to change at any time without any notice to the individual, Credit Sesame or any third party. While Credit Sesame makes reasonable efforts to assure that the Program is functioning properly, Credit Sesame makes no warranty or claim of any kind, express or implied, about the completeness, accuracy, reliability, timeliness, availability, suitability or usefulness of any information provided by the Program for any purpose. Any reliance you place on such information is strictly at your own risk and you agree that Credit Sesame and its data providers shall be held harmless from and shall not be subject to liability or any loss or damage (including, without limitation, indirect or consequential loss or damage or any loss or damage whatsoever arising from loss of data or profits) arising out of, or in connection with, information provided via the Program, even if advised in advance of the possibility of such damages.
B. ADDITIONAL TERMS APPLICABLE ONLY TO MEMBERS
ACCOUNTS AND SECURITY
Credit Sesame, Inc. does not warrant that the functions contained in the service provided by the Website will be uninterrupted or error-free, that defects will be corrected or that this service or the server that makes it available will be free of viruses or other harmful components.
As part of the registration process, each user will select a password (“Password”) and login name (“Login Name”). You shall provide Credit Sesame, Inc. with accurate, complete, and updated account information. Failure to do so shall constitute a breach of this Agreement, which may result in immediate termination of your account.
You may not:
a. ) select or use a Login Name of another person with the intent to impersonate that person;
b. ) use a name subject to the rights of any other person without authorization;
c. ) use a Login Name that we, in our sole discretion, deem inappropriate or offensive.
You shall notify Credit Sesame, Inc. of any known or suspected unauthorized use(s) of your account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password. You shall be responsible for maintaining the confidentiality of your password. Credit Sesame, Inc. shall not be liable for any loss that you incur as a result of someone else using your password, either with or without your knowledge.
Any fraudulent, abusive, or otherwise illegal activity may be grounds for termination of your account, at Credit Sesame, Inc.’s sole discretion, and you may be reported to appropriate law-enforcement agencies.
Contact us: If you would like to request additional information regarding this Agreement, please contact us by e-mail firstname.lastname@example.org, or by regular mail at:
444 Castro St., Ste 500
Mountain View, CA, United States 94041