These Terms and Conditions (“Terms and Conditions”) apply to all transactions
between you and Identity Intelligence Group, LLC d/b/a IdentityIQ, and its parent
companies, subsidiaries, affiliates, divisions, contractors and all data sources
and suppliers, all of which are collectively referred to herein as “IDIQ”
made at www.IdentityIQ.com (the
“Website.”) By submitting your order through
to its terms, (ii) confirm your authorization for IDIQ to obtain one or more of
your consumer credit reports (“Basic Report”),
credit scores (“Scores”) and other enhancements
to the Basic Report, and other products and services, and (iii) agree to these Terms
and Conditions. If you do not agree with any of these terms or conditions, do not
access or otherwise use this Website, the products and services, or any information
or content contained on this Website. For purposes of these terms and conditions,
the term “Credit Reports” includes Basic Reports,
Scores and other enhancements to Basic Reports, individually or collectively, as
the context requires.
YOUR USE OF THE WEBSITE, CONTENT AND SERVICES BEING PROVIDED TO YOU ARE SUBJECT
TO THESE TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ
THEM CAREFULLY. YOUR ACCEPTANCE AND USE OF THE SERVICES CONSTITUTE YOUR AGREEMENT
TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE
WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE THE SERVICES OR ANY OF THE INFORMATION
WITHIN THE SERVICES; DISCARD THE SERVICES YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER
SERVICE TO CANCEL YOUR MEMBERSHIP. MOREOVER, IF YOU DO NOT AGREE WITH ANY OF THESE
TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEBSITE, THE SERVICES OR
ANY INFORMATION CONTAINED ON THIS WEBSITE. YOUR ACCESS TO AND USE OF THIS WEBSITE
CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH
IN THESE TERMS AND CONDITIONS.
These Terms and Conditions are made between you and IDIQ, the providers of this
Website. Your agreement to these Terms and Conditions forms a binding agreement
between you and IDIQ. The Website, all products offered on this Website, including
but not limited to the membership-based products (including, but not limited to,
the Credit Reports) and non-membership based services (collectively, the “Services”),
are subject to these Terms and Conditions, which may be updated from time to time.
All text, pictures, graphics, logos, button items, images, works of authorship and
other information and all revisions, modifications, and enhancements to the Website
(collectively, the “Content”) are subject to
these Terms and Conditions, which may be updated from time to time in the sole discretion
of IDIQ. Please check this Website regularly for updates to these Terms and Conditions.
Each time you order, access or use any of the Services, Website and/or Content,
you signify your acceptance and agreement, without limitation or qualification,
to be bound by the then current Terms and Conditions.
USE OF THIS WEBSITE
The information on this Website is intended as a convenience and a service for IDIQ’s
customers and potential customers. You are not permitted to restrict or inhibit
any other user from using or enjoying this Website. The copying, framing, mirroring,
scraping or data-mining of this Website or any of its contents in any form or by
any method is strictly prohibited. Access to this Website does not grant you any
right, license or privilege to reproduce, publish or use any material on this Website
or any property of IDIQ except as expressly set forth herein. Any ideas, concepts,
techniques, procedures, methods, systems, designs, plans, charts or other materials
you transmit to us through e-mail or this Website will become our property and may
be used by us at any time and for any purpose, without restriction, unless otherwise
agreed by IDIQ. In your use of this Website, you shall not knowingly nor negligently
transmit any viruses, Trojan horses, worms, time bombs, cancelbots or other similar
harmful or deleterious programming routines.
USE OF THE SERVICES
In consideration of your use of the Content and Services, you agree to provide true,
accurate and current information about yourself as prompted by the applications
forms on this Website. You certify that you are eighteen (18) years of age or older.
If any information you provide is untrue, inaccurate or not current, or if IDIQ
has reasonable grounds to suspect that such information is untrue, inaccurate or
not current, IDIQ, at its sole discretion, has the right to suspend or terminate
your use of any Services and refuse all current or future access to the Content
and use of the Services or suspend or terminate any portion thereof. Further, you
agree that IDIQ will not be liable to you or any third party if IDIQ suspends or
terminates your access to the Content or Services for any reason.
IDIQ prepares Credit Reports through relationships with one or more third party
providers including CoreLogic Credco, LLC (“CREDCO”). Your use of the
Services may also be subject to CREDCO’s Terms and Conditions. Click here for a copy of their Terms and Conditions.
IdentityIQ is not a credit counseling service and
does not promise to help you obtain a loan or improve your credit record, history,
or rating. IdentityIQ does not bear any responsibility for the content,
accuracy, or completeness of the credit report.
You understand that by submitting your order you are providing “written instructions”
in accordance with the Fair Credit Reporting Act, as amended (the “FCRA”),
for IdentityIQ to obtain information from your personal credit profile from any consumer
reporting agency. You also authorize IdentityIQ to access your personal credit profile
to verify your identity and to provide credit monitoring, reporting and scoring
YOU UNDERSTAND THAT IT MAY BE A VIOLATION OF FEDERAL AND/OR STATE LAW FOR YOU TO
OBTAIN A CREDIT REPORT ON ANY PERSON OTHER THAN YOURSELF, AND THAT UNDER THE FCRA,
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, UNITED
STATES CODE, IMPRISONED FOR NOT MORE THAN 2 YEARS, OR BOTH.
YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU
AND IDIQ, INCLUDING, BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON
ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE
ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A
LOCATION DETERMINED BY THE ARBITRATOR. ANY CONTROVERY CONCERNING WHETHER A DISPUTE
IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT
UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL
COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO
A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT
AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT (“FAA”).
NEITHER YOU NOR IDIQ SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION
BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER
OF A CLASS ACTION OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY
AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.
The FCRA allows you to obtain copy of all of the information in your consumer credit
file disclosure from consumer reporting agencies for a reasonable charge. Full disclosure
of information in your file at the three national credit repositories must be obtained
directly from the repositories by calling:
Trans Union: www.transunion.com
The FCRA also states that individuals are entitled to receive a disclosure directly
from the consumer reporting agency free of charge under the following circumstances:
- You certify in writing that you are unemployed and intend to apply for employment
in the 60 day period beginning on the day you make the certification;
- You are on public welfare assistance;
- You have reason to believe that your file at the consumer reporting agency contains
inaccurate information due to fraud; or
- You have been denied credit, insurance, or employment within the past 60 days as
a result of your Credit Report.
The 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 from IDIQ to dispute inaccurate
or incomplete information in your credit file maintained by Experian, Equifax, or TransUnion.
The Credit Report(s) you are requesting from IDIQ is not intended to constitute
the disclosure of Experian, Equifax, or TransUnion information required
by the FCRA or similar state laws.
The FCRA allows consumers to get one free comprehensive disclosure of all the information
in their credit file from each of the Repositories once every 12 months through
a central source. Although comprehensive, the Credit Reports from each of the Repositories
that are available from the IDIQ Website may not have the same information as a
credit report obtained directly from the three Repositories or through the central
source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com. You can also contact
the central source to request this free annual disclosure by calling toll free 877-FACTACT
(877-322-8228) or by using the mail request form available at the central source
website. The Services at this Website are not related to the free FCRA disclosure
that you may be entitled to.
Consumers residing in the states of Colorado, Maine, Maryland, Massachusetts, New
Jersey, and Vermont may receive an additional free copy of their credit report once
per year and residents of the state of Georgia may receive two (2) additional copies
per year. For Illinois residents, 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
Click here for a full text of your summary of rights.
MODIFICATION OF SERVICES
IDIQ may, at its discretion and without notice to you, modify or discontinue any
of the Services or Content or a portion thereof. You agree that IDIQ will not be
liable to you or any third party for any modification or discontinuance of any of
the Services or Content.
DISCLAIMERS AND LIMITATIONS OF LIABILITY
Because we use security measures designed to protect your privacy and to safeguard
your information, we may not always be able to provide instant online delivery of
your Credit Report. For certain Services, when the system is unable to verify your
identity, you may be routed through a manual authentication process. After your
identity has been verified, we will direct you back to the Website, where you can
access your Credit Report online.
You must have an email address and a Java-compatible browser such as Internet Explorer
5.0 or higher, AOL 8.0 or higher, or Netscape Navigator 6.0 or higher, to receive
your reports online. IDIQ is not responsible for any overdraft/over-the-limit charges
or bank fees if your account contains insufficient funds when your order is processed
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEBSITE, THE SERVICES AND
CONTENT IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT, TOOLS AND CALCULATORS ARE PROVIDED
ON AN “AS IS” OR “AS AVAILABLE” BASIS. IDIQ AND ITS RESPECTIVE
SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTIES AND CONDITIONS OF ANY KIND
WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT.
THE INFORMATION CONTAINED IN THIS WEBSITE DOES NOT CONSTITUTE LEGAL, TAX, ACCOUNTING
OR OTHER PROFESSIONAL ADVICE. IDIQ AND ITS RESPECTIVE SUPPLIERS MAKE NO WARRANTY
THAT (I) THE SERVICES AND CONTENT ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE;
AND (II) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES OR CONTENT
WILL BE RELIABLE.
YOU UNDERSTAND AND AGREE THAT IDIQ AND ITS RESPECTIVE SUPPLIERS WILL NOT BE LIABLE
FOR ANY REASON FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY
DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY
TO USE THE WEBSITE, SERVICES, MEMBERSHIP BENEFITS OR CONTENT, OR FROM YOUR ACCESS
TO, USE, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEBSITE, EVEN IF IDIQ OR
ITS RESPECTIVE SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.
SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION
OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS, AND IN THESE JURISDICTIONS,
THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED
BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON IDIQ,
THEN YOU AGREE THAT ANY SUCH LIABILITY, REGARDLESS OF THE NATURE OF THE LEGAL OR
EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO IDIQ FOR THE SERVICE(S)
YOU PURCHASE FROM IDIQ.
As a convenience to you, IDIQ may provide links to websites owned or operated by
other entities and persons. If you use these websites, you do so at your own risk.
IDIQ makes no warranties or representations regarding, and shall not be liable or
responsible for, any linked websites, your use of such sites, or the comprehensiveness
or accuracy of information or materials appearing thereon or any products, publications,
subject matter or services described thereon. Furthermore, links do not imply that
IDIQ sponsors, endorses or is affiliated or associated with such sites, or that
any linked website is authorized to use any trademark, trade name, logo or copyright
You acknowledge and agree that (a) all Content is the copyrighted work of IDIQ or
its third party content suppliers and is protected by copyright laws, (b) IDIQ’s
names, the domain www.IdentityIQ.com,
the IdentityIQ and IDIQ logos, all page headers, customer graphics and button icons
are service marks, trademarks and/or trade dress of IDIQ and/or IdentityIQ (collectively,
the “Marks”), and (c) all other trademarks,
product names, company names or logos on the Website are the property of their respective
owners and you have no right to use nor copy such property. In addition to agreeing
to comply with all applicable laws in connection with your use of this Website,
you agree you will not use any such Content or Marks from this Website for any purpose
without the appropriate prior written authorization.
SERVICE-SPECIFIC TERMS AND CONDITIONS
The terms explained below are service specific and apply to the particular service
indicated in addition to the terms and conditions listed above.
Registering for any Service: To enroll in a monthly credit monitoring Service or
to request a Credit Report or Score, you must complete an online registration form,
which must include an address within the United States, and you agree to be bound
by these Terms and Conditions. You must provide valid credit card information. We
will then evaluate your complete registration information. We are not able to accept
and process joint registration for a married couple. You may also enroll in an annual
credit monitoring Service by contacting our Customer Service organization at (877-875-IDIQ(4347)).
You understand and agree that we provide a credit monitoring service. We give you
access to one or more of your Credit Reports and we help you understand the information
contained in your Credit Reports. We are not a credit repair organization. We cannot
improve your Credit Reports, credit history or credit rating, nor do we provide
you with advice or assistance in improving your Credit Reports, credit history or
credit rating. Accurate adverse information on your Credit Reports cannot be changed.
If you believe that your Credit Reports contain inaccurate information, it is your
responsibility to contact the relevant Repositories, and follow the appropriate
procedures for notifying the Repository that you believe that your Credit Report
contains an inaccuracy. Any information provided to you regarding the procedures
followed by the various Repositories related to the removal of inaccurate information
is provided without charge to you and is available for free. Any such information
is not included as part of your credit monitoring service but is provided free of
charge to all consumers, regardless of whether they are members of the credit monitoring
Your membership in credit monitoring is effective for the period covered by your
membership fee and continues upon your payment of the monthly/annual renewal fee.
Renewal fees for your membership will be charged automatically, at the then-current
rate, to the credit card or other billing source authorized by you, until you cancel
your membership. Should you choose to discontinue your membership for any reason
before expiration of the then-applicable membership term for which you have paid,
you may cancel your membership and terminate further billing by calling the toll-free
number listed in the Membership Section on this Website. If you are an annual subscriber
who is eligible for a refund and choose to cancel within 180 days of when you were
billed, you will receive a prorated refund of your current year’s membership
fee. If you are a monthly subscriber and choose to cancel after your free trial
ends, your membership and monthly billing will terminate immediately and you will
not be eligible for a prorated refund of any portion of your paid monthly membership
fee. IDIQ reserves the right to change the membership fee for any renewal term to
be effective upon the renewal of your membership.
Please note that it can take two to three weeks for new members to be enrolled in
credit monitoring. IDIQ does not control and is not responsible for the enrollment
process. Your enrollment in credit monitoring is dependent on the Repositories being
able to enroll you in credit monitoring. If you are not able to be enrolled in credit
monitoring, you will not receive alerts of changes to your Credit Report. If you
are successfully enrolled in credit monitoring, alerts will be delivered to the
email address that is given to IDIQ when you enroll in credit monitoring. It is
your responsibility to update your email address if it should change.
Credit Monitoring Membership with Trial: The free trial is a special offer
limited to select first-time customers only. Returning members will be billed the
membership fee immediately upon renewal. During your trial period, you are eligible
for one or three free reports and/or scores as dictated by your specific membership
terms. You will be asked for valid credit card information when you sign up for
the credit monitoring trial. IDIQ will verify your credit card information before
processing your order. An authorization will be performed on your credit card to
make sure it is valid and in good standing, but we do not bill your card until the
free trial period has passed. If you do not cancel during your trial period, your
membership will continue automatically and the monthly/annual fee will be billed
to the credit card or other billing source authorized by you.
Credit Monitoring Membership Without Trial: The monthly/annual fee for a
credit monitoring membership without a trial period will be billed immediately to
the credit card or other billing source authorized by you.
Credit Reports and Credit Scores
3-Bureau Credit Reports, 1-Bureau Credit Report, Scores: When you use our
online Services to access your personal Credit Report(s) and/or Score(s), you are
certifying that you understand and agree to the following:
- You may access your Credit Report(s) and/or Score(s) for 30 days from the date of
- Refunds will not be issued once we have successfully located and delivered
your Credit Report(s) and/or Score(s) or after any trial period;
- If you have any questions regarding any of your Credit Report or would like to dispute
information contained in them, you may request an investigation by contacting the
Repository/Bureau that supplied the information, as indicated in your Credit Report;
- For your protection, if you are inactive (have not clicked on an item or refreshed
the page) for a period of 20 minutes or more when reviewing your Credit Report and/or
Score online, your session will conclude and you will be logged out.
Disclaimers: IDIQ is not responsible for the accuracy or contents of your
credit files, including but not limited to information delivered in the Credit Reports
These terms and conditions are governed by the laws of the State of Nevada without
regard to conflict of law provisions with the exception of the Arbitration provision,
which shall be governed by the Federal Arbitration Act. YOU HEREBY IRREVOCABLY SUBMIT
TO THE EXCLUSIVE JURISDICTION OF THE STATE AND FEDERAL COURTS OF THE STATE OF NEVADA
FOR THE PURPOSES OF ANY PROCEEDINGS ARISING OUT OF THESE TERMS AND CONDITIONS.
constitute the entire agreement between IDIQ and you in connection with your use
of this Website, the Services, and the Content, and supersede any prior versions
of the Terms and Conditions, if applicable. IDIQ may update these Terms and Conditions
from time to time by posting revised Terms and Conditions on this Website, without
notice to you, and your subsequent use of the Website is governed by those new Terms
and Conditions. The Terms and Conditions are effective until terminated by IDIQ.
In the event of termination, the Intellectual Property, Disclaimers and Limitations
of Liability, and Governing Law provisions set forth in these Terms and Conditions
will survive. In the event of a conflict between any other notice, policy, disclaimer
or other term contained in this Website, these Terms and Conditions will control.
If any provision is deemed to be unlawful or unenforceable, it will not affect the
validity and enforceability of the remaining provisions. The section headings are
for convenience only and do not have any force or effect.
IDIQ’s policy on how your personal information is used and disclosed is contained
and you agree to accept this notification, revisions, and the provision of an annual
notice electronically through this Website.