Middle Credit Score® Terms of Service

Effective Date: January 10, 2023

1. Introduction

Welcome to Middle Credit Score® (“we,” “us,” or “our”). By accessing or using our website, services, or any content provided by Middle Credit Score® (collectively, the “Services”), you (“you,” “your,” “consumer”) agree to be bound by these Terms of Service (“Terms”). These Terms outline the terms and conditions under which you may use our Services and are a legally binding agreement between you and Middle Credit Score®.

Please read these Terms carefully. If you do not agree with any part of these Terms, you must immediately discontinue the use of our Services. By continuing to use our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Scope of Services

2.1 Service Overview: Middle Credit Score® provides credit report analysis, credit monitoring, credit improvement suggestions, identity theft protection, and other related services aimed at helping consumers manage and improve their credit profiles. Our Services are designed to provide information and tools to assist you in making informed financial decisions.

2.2 No Guarantee of Credit Score Improvement: While we strive to provide accurate and useful information, working with Middle Credit Score® does not guarantee that your credit score will improve. Credit scores are influenced by various factors, many of which are beyond our control. By using our Services, you acknowledge and agree that Middle Credit Score® does not make any warranties or guarantees regarding the outcome of your credit score, and we are not responsible for any changes—positive or negative—to your credit score as a result of using our Services.

3. User Responsibilities

3.1 Accurate Information: You agree to provide accurate, current, and complete information about yourself as requested by Middle Credit Score®. You are solely responsible for ensuring that the information you provide is truthful and accurate. Middle Credit Score® is not liable for any consequences resulting from the provision of false or inaccurate information.

3.2 Compliance with Laws: You agree to use our Services in compliance with all applicable federal, state, and local laws and regulations. Any misuse of our Services may result in the termination of your account and legal action.

3.3 Responsibility for Credit Decisions: You acknowledge that you are solely responsible for any credit decisions you make based on the information provided by Middle Credit Score®. Middle Credit Score® provides tools and suggestions to assist you in managing your credit, but the ultimate responsibility for your credit decisions and their outcomes rests with you. Middle Credit Score® is not liable for any decisions you make regarding your credit or financial situation.

4. Limitation of Liability

4.1 No Liability for Credit Outcomes: Middle Credit Score® is not a credit reporting agency and does not make credit decisions. We provide information, analysis, and recommendations based on industry-standard practices, but we do not control or influence the factors that determine your credit score. Therefore, we are not liable for any outcomes related to your credit score, including but not limited to:

4.2 Disclaimer of Warranties: All Services provided by Middle Credit Score® are offered “as-is” and without any warranty, express or implied. We do not warrant that our Services will meet your specific requirements or that they will be uninterrupted, timely, or error-free. We disclaim all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

4.3 Limitation of Liability: To the fullest extent permitted by law, Middle Credit Score® and its affiliates, officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or use, whether incurred directly or indirectly, arising from:

5. Intellectual Property

5.1 Ownership of Content: All content provided by Middle Credit Score®, including but not limited to text, graphics, logos, images, software, and other materials, is the property of Middle Credit Score® or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or create derivative works from any content provided by Middle Credit Score® without our express written consent.

5.2 License to Use Services: Subject to your compliance with these Terms, Middle Credit Score® grants you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for your personal, non-commercial use. This license does not include any resale or commercial use of our Services or any derivative use of our content.

6. Account Management

6.1 Account Security: You are responsible for maintaining the confidentiality of your account login information, including your username and password. You agree to notify Middle Credit Score® immediately of any unauthorized access to or use of your account. Middle Credit Score® is not liable for any loss or damage arising from your failure to protect your account information.

6.2 Account Termination: Middle Credit Score® reserves the right to terminate or suspend your account at any time, with or without cause, and without prior notice. Grounds for termination may include, but are not limited to:

6.3 Effect of Termination: Upon termination of your account, your right to access and use our Services will immediately cease. Middle Credit Score® reserves the right to delete any content or data associated with your account without prior notice. Middle Credit Score® will not be liable for any loss or damage arising from the termination of your account.

7. Dispute Resolution and Arbitration

7.1 Mandatory Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Services shall be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.

7.2 Arbitration Procedure: Arbitration will be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association (“AAA”). The arbitrator’s decision will be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

7.3 Class Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action or similar proceeding.

7.4 Opt-Out Procedure: If you do not wish to be bound by this arbitration provision, you must notify Middle Credit Score® in writing within 30 days of the date you first accept these Terms. Your written notification must include your name, address, and a clear statement that you do not wish to resolve disputes with Middle Credit Score® through arbitration.

8. Indemnification

8.1 Your Indemnification Obligations: You agree to indemnify, defend, and hold harmless Middle Credit Score® and its affiliates, officers, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys’ fees) that arise from or relate to:

9. Disclaimer of Advice

9.1 No Professional Advice: The information, suggestions, and methods provided by Middle Credit Score® are for informational purposes only and do not constitute legal, financial, or professional advice. You should seek the advice of qualified professionals regarding your credit and financial decisions. Middle Credit Score® is not responsible for any decisions you make based on the information provided through our Services.

9.2 No Guarantee of Results: Middle Credit Score® makes no guarantee that your credit score will improve as a result of using our Services. Credit scores are influenced by a variety of factors beyond our control, and results may vary. By using our Services, you acknowledge and agree that Middle Credit Score® is not liable for any changes to your credit score, whether positive or negative.

10. Changes to Terms of Service

10.1 Modifications to Terms: Middle Credit Score® reserves the right to modify or update these Terms at any time, with or without notice. We will post the most current version of the Terms on our website, and your continued use of our Services after any changes are made constitutes your acceptance of the revised Terms.

10.2 Review of Terms: We encourage you to review these Terms periodically to stay informed about any updates or changes. If you do not agree with any changes to these Terms, you must immediately discontinue your use of our Services.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of laws principles. You agree to submit to the personal jurisdiction of the state and federal courts located in [Insert County], [Insert State] for the purpose of litigating any disputes that are not subject to arbitration under these Terms.

12. Miscellaneous Provisions

12.1 Entire Agreement: These Terms, together with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and Middle Credit Score® regarding your use of our Services. These Terms supersede any prior agreements or understandings, whether written or oral, between you and Middle Credit Score®.

12.2 Severability: If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

12.3 No Waiver: The failure of Middle Credit Score® to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

12.4 Assignment: You may not assign or transfer your rights or obligations under these Terms without the prior written consent of Middle Credit Score®. Middle Credit Score® may assign or transfer its rights and obligations under these Terms without restriction.

13. Contact Information

If you have any questions, concerns, or feedback regarding these Terms, please contact us at:

By using Middle Credit Score® Services, you acknowledge that you have read, understood, and agree to these Terms of Service. You also agree to release Middle Credit Score® from any liability related to the Services provided and acknowledge that the responsibility for your credit decisions and outcomes rests solely with you.

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