Credit Basics

What is the CreditView Dashboard?

CreditView provides you access to a dashboard that highlights your key credit information, such as your TransUnion credit score, score trending and national score comparison.

What is the credit score simulator?

The simulator shows you how your credit score could increase or decrease based on changes to your credit behavior. You can use this interactive tool to help predict the possible impact of various actions or events on your credit score.

The simulator does not guarantee that your actual score will reach the simulated score range, nor does it guarantee that you will be approved or rejected for credit by any financial institution; it just provides an approximate indication of your credit-worthiness. Change any or all of these variables to calculate an estimated change to your score.

How often can I view my CreditView Dashboard?

If you have a current subscription, it can be viewed online anytime.

How often is my score updated?

Please note the "Next update available" date on the CreditView Dashboard. This date will show you the next time your credit information will be updated.

Where does the score come from?

Your TransUnion credit score is generated by a mathematical formula using the data from your TransUnion credit report. Information used may include your bill pay history, amount of available credit, number and age of open accounts, and recent credit activity.

Does using CreditView Dashboard impact my credit score?

No, it will not impact your credit score.

How can I obtain a full copy of my credit report?

You have the right to obtain a copy of your Consumer Disclosure, free of charge by mail, in person, by phone or online. Please visit www.transunion.ca for further information.

What is the difference between my credit report and my consumer disclosure?

A Consumer Disclosure is a complete account of all the information on your credit report, as mandated by consumer reporting legislation. Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a "business version", a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries, and your own inquiries. The Business Version is an abbreviated version of the Consumer Disclosure. This is the credit report that creditors do see. The Business Version does not contain account management inquiries, non credit-related inquiries, or your personal inquiries to obtain a copy of your credit report.

Who do I contact if I have questions on the credit information displayed in my CreditView Dashboard?

Our goal is to maintain accurate information on your TransUnion credit report. By law, TransUnion is obligated to verify the accuracy of the information on a credit report that you dispute. If you do not recognize information on your credit report, or believe an item may be inaccurate, you may request an investigation. Only inaccurate information may be removed; negative information that is accurate will stay on your credit report as long as the governing laws allow. Changes on your credit report that occur as the result of an investigation will be made on both your consumer disclosure and your credit report.

TransUnion provides this service to you free of charge, in accordance with applicable legislation. TransUnion will not provide any additional services or treat a consumer differently due to the fact that the consumer has retained and paid a credit repair company. Whether you launch a dispute yourself or through a credit repair company, the outcome of the investigation will be the same. Please also note that the activities of credit repair companies are regulated in some provinces. For more information, please visit Consumer Protection.

You can dispute your credit information or update personal information on our credit report in three ways:

Online
New! Quick and easy online access allows you to view your credit file and dispute items you believe to be inaccurate.

What you need
Before attempting to submit a dispute online, please make sure you have all of the necessary information on hand:

• Full name
• Social Insurance Number (optional)
• Date of birth
• Current address
• Previous address (if at current address less than two years)
• Name of the disputed item (from your credit report)
• Reason for your dispute (e.g., you have paid the account, etc.)

Phone
We're here to help
Our TransUnion representatives are available to assist you with the dispute process. If you recently applied for credit or received a copy of your TransUnion Credit Report and you believe there is an inaccuracy, simply call:

Our Consumer Relations Department is available to assist you .

What you need
Before you place your call, please make sure you have all of the necessary information on hand:

• Full name
• Social Insurance Number (optional) or major credit card number
• Date of birth
• Current address
• Previous address (if at current address less than two years)
• Company name of the disputed item (from your credit report)
• Reason for your dispute (e.g., you have paid the account, etc.)

Mail
It's easy to dispute any inaccurate credit or personal information on your credit report. Simply follow these steps:

Download and complete form
Simply download and complete the Investigations form:
English Form
French Form
You will need Adobe® Acrobat® Reader® to print the Investigation form. You can download the free Adobe Acrobat Reader from the Adobe Web site.

Make sure you provide the following information:

• Full name
• Current address
• Previous address (if less than two years at current address)
• Date of birth
• Social Insurance Number (optional)
• Employment information (optional)
• Telephone number (optional)
• Name of the company you have a dispute with (from your credit report)
• Account number, if known
• Reason for your dispute (e.g., you have paid the account, etc.)
• Documentation to support the amendment you have requested. If the amendments are to your personal information (e.g., name), please provide supporting identification documentation, such as change of name certificate, marriage certificate, etc.

Mail form and documentation

English speakers in all provinces except Quebec, please send the completed form and supporting documentation to:

TransUnion Consumer Relations Department
3115 Harvester Road, suite 201
Burlington ON L7N 3N8

English speakers in Quebec and French speakers in all Provinces, please send the completed form and supporting documentation to:

TransUnion
Centre de relations au consommateur
3115 Harvester Road, suite 201
Burlington ON L7N 3N8

Why are some of the words displayed or some of the identity questions not fully translated?

The information on your credit file appears in the language in which it was reported to TransUnion by your creditors.

How do I cancel CreditView Dashboard?

Click here to cancel your CreditView Dashboard service.

How do I learn more about your accessibility policy?

TransUnion is committed to meeting the needs of people with disabilities. If you seek additional information on Accessibility at TransUnion, click here.

Account Information

How do I update my mailing address or email address?

The "My Information" tab under My Account allows you to easily update your street address and email address. To get there, click the link to My Account at the top of the screen, then select the "My Information" tab.

Why would I need to change my mailing address or email address?

If you move or change your email address, you should update your information. Having your current information in the system allows us to deliver your alerts in a timely manner and notify you of any changes to your enrollment to the CreditView service.

Do you sell my information to companies who send me junk mail?

No. TransUnion Interactive does not sell your personal information to any third party for any reason.

Privacy Policy - CreditView Dashboard

At TransUnion Interactive, Inc. ("we" or "TUI"), we are committed to protecting your privacy, and support a general policy of openness about how we collect, use and disclose your personal information.

The purpose of this privacy policy (“Privacy Policy”) is to inform you about our practices relating to the collection, use and disclosure of personal information that you may provide to us through access to or use of CreditView Dashboard (“CreditView”), or that may otherwise be collected by us. By accessing and using CreditView, you consent to the collection, use and disclosure of your personal information (as defined below) in accordance with the following terms and conditions.

This Privacy Policy also explains how you can contact us if you have a question about, want to make a change to or delete any personal information that we may be holding about you. We strongly recommend that you take the time to read this Privacy Policy and save or print a copy for future reference.

Personal Information

For the purpose of this Privacy Policy, "personal information" means information about an identifiable individual.

What Personal Information We Collect

CreditView allows you to access your credit-related information conveniently on-line. We collect your personal information only if you decide to access CreditView, obtain one of our products or services, or transact other business with us. We also use such personal information to confirm the identity of the person requesting your credit-related information to help prevent an impostor or other person from improperly seeking to access your information. In order to process your transactions, deliver you services, authenticate your identity and provide you with quality customer service, we need your full name and current address, your email address, your date of birth and telephone number and, if necessary, certain other personal information, such as former address information and credit card information.

How We Use and Share Your Personal Information

We use your personal information to:

• Provide you with services and do all the things necessary to administer those services;
• Verify your identity;
• Research, develop, manage, protect and improve our services;
• Advise you about new products and services that may be of interest to you;
• Develop and maintain our relationship with you and communicate with you;
• Assist in the investigation of a contravention of a law;
• Fulfill our obligations under consumer reporting and privacy legislation;
• Assist in the detection of fraudulent activities; and
• Act in respect of an emergency that threatens the life, health or security of an individual.

When We Disclose Your Personal Information

Except with your consent, we will not sell, license, trade or rent your personal information to or with others.

We share personal information with Trans Union of Canada, Inc. ("TransUnion") for the purpose of providing you with products and services like CreditView and, in addition, may share personal information with other third parties engaged to assist us in providing the services to you or to carry out one or more of the purposes described above. These third parties are not allowed to use personal information except for the purpose of providing these services.

We are located in the United States. In addition, some of our service providers are located outside of Canada. As a result, your personal information may be subject to local laws, which may be different from Canadian laws, or may be accessed by local courts, law enforcement or national security authorities.

We reserve the right to disclose personal information to a third party if a law, regulation, search warrant, subpoena or court order legally requires or authorizes us to do so, or if we believe such disclosure is necessary to protect and defend the rights, property or safety of TUI, TransUnion, their affiliates, our users or others. In addition, we may disclose your personal information to consultants, agents and advisors, such as attorneys and accountants, in the good faith belief that such disclosure is within the scope of their professional duties to TUI, TransUnion or their affiliates and with the understanding that such professionals will abide by our security and confidentiality policies.

Knowledge and Consent

We collect personal information about you only when you voluntarily provide it. We will seek consent for the use or disclosure of your personal information at the time of collection. Please be advised that your agreement to this Privacy Policy will extend to the collection of any personal information collected via our call centre during the course of any transactions you may conduct or inquiries you may have, using that channel. In certain circumstances, consent may be sought after the information has been collected but before use (for example, when we want to use information for a purpose not previously identified). The form of consent that we seek, including whether it is express or implied, will largely depend on the sensitivity of the personal information and the reasonable expectations of the individual in the circumstances.

By accessing and using our services, you agree to this Privacy Policy and the CreditView Terms & Conditions and you consent to TUI: a) disclosing your personal information to TransUnion to request your credit information and use it to confirm your identity and display your credit information, including your credit report and score; b) periodically requesting and updating your credit information from TransUnion while you have access to CreditView; and c) transferring your personal information to countries outside of Canada (including to the United States) that may have different data protection laws than Canada.

You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. If you wish to withdraw your consent at any time, please contact TransUnion Consumer Relations at 1-800-508-2597. We will inform you of the implications of withdrawing consent and instructions on how to do so.

We will not, as a condition of the supply of a product or service, require you to consent to the collection, use or disclosure of information beyond that required to fulfill the explicitly specified and legitimate purposes for which the information is being provided.

Use or Disclosure for Email Marketing Purposes

If you have opted in to receiving marketing materials by email, TUI and its affiliates may also collect and use (but will not disclose) your personal information for marketing and promoting goods, services and special offers, including by means of direct marketing email. TUI may use your personal information, including financial information, to evaluate your eligibility for special offers made by ourselves and our third party business associates (namely, financial institutions, telecommunications companies, retailers, insurance companies, real estate companies). TUI may also disclose your non-sensitive personal information (eg. name and mailing address) to our third party business associates so that they can send you marketing and promotional materials directly as well.

You can withdraw consent to allow TUI to use or disclose your personal information for email direct marketing purposes by making use of the unsubscribe mechanism included in a promotional email you receive from us, an affiliate or a third party business associate or by contacting us as outlined below (see "Contacting Us").

Service-Related Emails

As a service to you, we may email you non-commercial service-related electronic messages. Some of our products and services may also include alert emails that are sent on a daily, weekly or monthly basis. These emails are part of the applicable products and services. You consent to receive these communications and any other non-commercial service-related electronic messages and acknowledge and agree that the emails cannot be disabled for persons who are receiving these products and services until you cancel CreditView or your access expires. However, you may wish to unsubscribe from marketing commercial electronic messages. For more information please refer to the sections of this Privacy Policy entitled “Use or Disclosure for Email Marketing Purposes” and "Contacting Us".

Collection of Anonymous Data

In order to enhance the usefulness of our site and our products and services, TUI will collect data about our customers' use of our site, in a manner that does not include any personal information. While you browse the site, we note which pages of our site you visit and note the IP address of your computer (as all web sites do automatically), but we do not link that address information to your personal information. The general information we gather enables us to serve our customers better by continually enhancing our site based on up-to-date use patterns.

Information Regarding Your Use of Products and Services

We may use information about your use of products and services, such as your usage patterns, to customize your web site and/or customer service experience.

Updating Your Personal Information and Marketing Preferences

You can help us maintain the accuracy of your personal information by notifying us of any changes to this information. You can correct or update at any time the personal information that you provided and that we maintain on you by accessing CreditView and selecting "My Account > My Settings" from the Main Menu. You can also indicate your preference not to receive marketing offers within CreditView from this screen. In addition, you may contact TUI at 1-800-508-2597.

TUI is not responsible for and cannot amend the information in your credit report, which is obtained from TransUnion. If you believe that some of the information in your credit report is inaccurate, you must contact TransUnion directly.

Please refer to TransUnion's website at https://www.transunion.ca/assistance/credit-report-disputes for information about "Credit Report Disputes".

Retention of Your Personal Information

TUI retains your personal information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws, and your consent to such purposes(s) remains valid after termination of our relationship with you.

Notification of Changes to this Privacy Statement

We reserve the right to modify this Privacy Policy at any time without notice. The Privacy Policy posted at any time or from time to time via this website shall be deemed to be the Privacy Policy then in effect.

If you would like at any time to review our current Privacy Policy, please refer to the “Privacy Policy” tab in the Legal Information area of the CreditView site: https://www.creditviewdashboard.ca/CreditView/support.page?tab=legal&subtab=privacy

Possible Acquisition

As permitted by applicable law, we also reserve the right to disclose and/or transfer personal information to a third party in the event of a proposed or actual purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal or financing of all or any portion of TUI or of any of the business or assets or shares of TUI or a division thereof in order for you to continue to receive the same products and services from the third party.

The Use of Cookies

TUI uses "cookies," which are pieces of information that a web site transfers to your computer's hard disk for record keeping purposes, to facilitate your access to our products and services. TUI uses cookies in accordance with industry-standard protocols, and does not use cookies, either directly or in conjunction with other web sites, to track your movement to web sites other than TUI. If you would like more information about cookies, you can visit http://www.cookiecentral.com/n_cookie_faq.htm. TUI uses two different types of cookies. One type of cookie is used so that our site "recognizes" you each time you return using the same computer, and you do not have to re-enter all your personal information on each visit. You can set your web browser to refuse to accept this cookie, or delete this type of cookie from your hard drive, and still access our products and services, as long as you re-enter information each time you visit. The second type of cookie is needed so that we can process each step of your transactions with us. If you refuse to accept this type of cookie, you will not be able to access our products and services. Most web browsers automatically delete this type of cookie when you terminate your session.

We may use third-party advertising companies to serve ads on our site. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous. If you would like more information about this practice, please visit https://youradchoices.ca/en/learn.

Links to Other Web Sites

CreditView may offer links to other third party websites. You should be aware that operators of linked websites may also collect your personal information (including information generated through the use of cookies) when you link to their websites. TUI is not responsible for how such third parties collect, use or disclose your personal information, so it is important to familiarize yourself with their privacy policies before providing them with your personal information.

What Security Measures We Take

We take precautions to secure your personal information. Access to information is also restricted to selected employees, representatives or third parties. If and when we ask you to provide your personal information, we will do so through a webpage that supports industry-recognized secure protocols. These protocols provide security for your information by encrypting it as it travels from your computer to our computer. For security purposes we then move all of the personal information that we collect or obtain about you, including your credit report, to an environment on our proprietary network that has controls in place to limit access to and secure the data maintained therein. For more information about our security practices, please refer to the “Security” tab in the Legal Information area of the CreditView site:https://www.creditviewdashboard.ca/CreditView/support.page?tab=legal&subtab=security.

Contacting Us

In the event that you have any questions about this Privacy Policy or if you have reason to believe that we may have failed to adhere to this Privacy Policy, you may contact us at 1-800-508-2597 or send an email to [email protected].

Version Date: November 2020

Terms and Conditions – CreditView Dashboard

THE TERMS AND CONDITIONS BELOW CONTAIN AN ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER.

Welcome to CreditView Dashboard (herein referred to as "CreditView"), provided by TransUnion Interactive, Inc., a Delaware corporation ("TUI" or "TransUnion Interactive") and a corporate affiliate of Trans Union of Canada, Inc. ("TransUnion"). TUI and TransUnion are referred to herein collectively as, "we", "us" and "our".

CreditView is provided to you subject to your agreement to be bound by these terms and conditions of use ("Terms and Conditions"). Please review them carefully. We strongly recommend that you save or print a copy of these Terms and Conditions for future reference. YOU MUST ACCEPT THE TERMS AND CONDITIONS BELOW BEFORE YOU WILL BE PERMITTED ACCESS TO CREDITVIEW. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE CREDITVIEW. In addition, your access to CreditView will be subject to your agreement with your third-party provider, which may include your third-party provider's online terms and conditions.

Activation Code

Your activation code entitles you to receive CreditView for the period determined by your agreement with your third-party provider (the “service period"). When the service period ends, your access to CreditView will be terminated. If you wish to obtain services from TransUnion Interactive after the end of the service period, please visit www.transunion.ca. to view your options and the associated fees. We do not guarantee that any or all of the services offered through CreditView will be available for direct purchase from TransUnion Interactive or that the information obtained through CreditView will continue to be available in whole or in part after the service period.

Availability

CreditView is only available if we can match your personal information with your credit file. If TransUnion cannot match you to its credit database or is otherwise unable to generate your credit score, you will not be able to use all or part of CreditView until such time as you have built a sufficient credit history. We may terminate access to CreditView for any reason and without notice, including but not limited to a breach by you of these Terms and Conditions. Subject to your contractual obligations to your third-party provider, you may ask to cancel your enrollment at any time during the service period by contacting your third-party provider. Your cancellation will be effective after a reasonable processing period. Upon cancellation, you will lose access to CreditView, including any credit data and analyses that have been displayed to you in the past.

Registration and Accurate Information; User Names and Passwords

When you first access CreditView, you will be required to register, provide personal information and select a unique user name and password. You agree to provide accurate and complete information in your registration and not to share your password with third parties. You agree to immediately notify us of any changes in the information you provided to us including registration. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion Interactive promptly of any unauthorized use of CreditView, if your user name or password have become known to another person or if they have been lost or stolen or otherwise compromised. You agree to respond promptly to all complaints and concerns relating to the use of your user name or password or your use of CreditView. Failure to comply with these requirements shall constitute a breach of these Terms and Conditions and shall constitute grounds for immediate termination of your right to access CreditView. The security and privacy provided by using user names and passwords is not absolute and can be compromised. Passwords should not be obvious and should be changed regularly. Your use of the user name and password is at your own risk. You are responsible for protecting your CreditView account and password and for all use of your CreditView account by you and other users (whether authorized or not). You agree that you are solely responsible and liable for any use or misuse of your user name and password and for all transactions or other activities that occur under your user name and password.

Consent to Obtain Credit Information and Present Marketing Offers; Privacy Policy

In order to deliver CreditView to you, we must obtain your credit information and other personal information from TransUnion. By accessing and using CreditView, you agree to these Terms and Conditions and our Privacy Policy and you consent to TUI: a) disclosing your personal information to TransUnion to request your credit information and use it to confirm your identity and display your credit information, including your credit report and score; and b) periodically requesting and updating your credit information from TransUnion while you have access to CreditView.

Your third-party provider may select an option to enable marketing offers to be presented to you within CreditView. In that event, you also consent to the use of your credit information by TUI to present you with marketing offers within CreditView. You can manage your marketing preferences in CreditView. Opting out of marketing offers will not affect your access to credit information. Please visit "My Account" > "My Settings" within CreditView to manage your marketing preferences. We do not guarantee that you will be presented with offers, nor that you will meet the criteria set by your third-party provider to receive offers. If you decide to accept an offer, you will be re-directed to your third-party provider's website, where you will be required to complete an application process solely determined by your third-party provider. Although your access to CreditView will not impact your credit score, an application for credit may result in a credit-related or "hard" inquiry on your credit file, which could impact your credit score. Neither TransUnion nor TUI are involved in the application or loan approval process and disclaim all responsibility for losses or damages you experience as a result of your acceptance of such offer or receipt of a credit product. Any such losses or damages are between you and your third-party provider. The presentation of an offer within CreditView is for information purposes only, is not an endorsement of your eligibility for credit and should not be construed as financial or legal advice. Any questions regarding marketing offers and your eligibility to receive offers should be directed to your third-party provider.

TransUnion Credit Score

The credit score provided is your CreditVision^® Risk Score, which is a model created by TransUnion. The CreditVision^® Risk Score predicts credit risk. Specifically, it measures the probability that a person will pay his or her debts on time. There are many different credit scores in the marketplace based on different models with different scoring ranges and lenders use a variety of different credit scores to make credit decisions. The scores provided by CreditView are for educational/informational purposes only and are not intended for use by lenders. The credit score provided through CreditView may not be the same score used by your lenders or other commercial users to make credit decisions about you, including but not limited to a credit decision arising from an offer you received within CreditView. CreditView can only evaluate the account information that appears on your TransUnion consumer credit report. Accounts not reported to, or subsequently deleted from, your TransUnion consumer credit report will not be reflected in your score. TransUnion Interactive does not maintain your credit report information and is not able to make any changes to it. TransUnion Interactive cannot initiate any disputes on your behalf. Neither TransUnion Interactive nor TransUnion is responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.

Refresh Frequency of Services in CreditView

Credit alerts, TransUnion credit reports and credit scores will be updated periodically during your enrollment in CreditView and should not be considered "real-time". Services are subject to a monthly refresh frequency.

Simulations

CreditView has a credit score simulator that estimates how certain changes in your credit behavior may impact your credit score. This simulator shows how these changes may impact the credit score displayed on CreditView, which is the CreditVision^® Risk Score. Simulated scores and score changes simulated by CreditView are only predicated estimates. Neither TransUnion nor TUI guarantee that your actual credit score will change by the same amount, in the same way, or at all.

Credit Monitoring

Credit Monitoring sends you alerts on certain key changes to your TransUnion credit report. Credit Monitoring monitors the credit file at TransUnion most closely identified with you based on multiple identifying factors such as first and last names, current and former addresses, Social Insurance Number (if provided) and date of birth. Credit Monitoring may not alert you if an item of identifying information about you (including your name, address or Social Insurance Number) is contained in the credit file of another person, and will not provide you with any information contained in another individual's credit file. Credit Monitoring does not monitor, compare or cross-reference your credit file with the credit file of any other person. Credit Monitoring does not monitor your credit file at any other consumer reporting agency.

Not a Credit Repair Tool

TransUnion and TUI are not credit repair or credit counseling organizations or similarly regulated organizations under other applicable law, and do not provide credit repair advice. CreditView is not a credit repair tool and TUI makes no representation or promise that it will improve your credit report, credit history or credit score or provide you with any assistance in that regard.

Email Communications

You agree to receive, in electronic form, these Terms and Conditions and all other commercial electronic messages regarding CreditView, and products and services offered by TUI or our third party business associates (such as, financial institutions, telecommunications companies, retailers, insurance companies or real estate companies) that compliment CreditView. You can withdraw consent to allow TUI or our third party business associates to send you commercial electronic messages by making use of the unsubscribe mechanism included in a promotional email you receive from us or a third party business associate or by contacting us as outlined below (see "Notices").

As part of CreditView, we may send you credit alerts by email, text message or telephone or emails confirming your enrolment or cancellation of CreditView. You consent to receive these non-commercial communications and any other service-related electronic messages. If you unsubscribe for marketing commercial electronic messages, you will continue to receive service-related electronic messages from us.

Right to Receive a Free Credit Report

The credit and personal information provided to you as part of CreditView does not constitute a "consumer disclosure" for the purposes of applicable consumer reporting legislation. By law, you are entitled to receive a free copy of your consumer disclosure from each of the national credit reporting agencies by contacting them directly. For more information visit www.transunion.ca.

New Features

We may, from time to time, introduce new features to CreditView or modify or delete existing features in our sole discretion. We shall notify you of any of these changes to features if we are legally required to do so. By using any new or modified features when they become available, you agree to be bound by the rules and terms concerning these features.

Intellectual Property

The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on CreditView are the property of TransUnion Interactive or its licensors (including third party licensors such as your third-party provider) and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within CreditView, TransUnion Interactive owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from CreditView for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion Interactive or the owner of the Content.

Disclaimer of Warranties and Liabilities

CREDITVIEW, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH CREDITVIEW, IS PROVIDED TO YOU "AS IS".

TRANSUNION INTERACTIVE, TRANSUNION AND THEIR AFFILIATES RELY ON THE INFORMATION YOU PROVIDE. WE ASSUME NO RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES THAT RESULT FROM ANY FALSE, INACCURATE OR INCOMPLETE INFORMATION PROVIDED BY YOU OR YOUR FAILURE TO UPDATE YOUR INFORMATION. YOU AGREE THAT YOU WILL BE SOLELY LIABLE FOR ALL COSTS, LOSSES AND DAMAGES THAT YOU OR US OR ANY THIRD PERSON INCURS AS A RESULT OF YOUR SUBMISSION OF ANY FALSE, INACCURATE, OR INCOMPLETE INFORMATION OR YOUR FAILURE TO UPDATE YOUR INFORMATION.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NEITHER TRANSUNION INTERACTIVE, TRANSUNION NOR THEIR AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER AS TO THE CONTENT, PRODUCTS OR SERVICES OR INFORMATIONAL CONTENT AVAILABLE ON OR ACCESSED THROUGH CREDITVIEW, THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO CREDITVIEW, THE CONTENT, THE PRODUCTS OR SERVICES OR INFORMATIONAL CONTENT OR THAT CREDITVIEW, THE CONTENT, THE PRODUCTS OR SERVICES OR INFORMATIONAL CONTENT WILL BE ERROR-FREE.

IN ADDITION, TRANSUNION INTERACTIVE, TRANSUNION AND THEIR AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON INFRINGEMENT.

THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF CREDITVIEW, THE CONTENT THE PRODUCTS AND SERVICES AND THE INFORMATION CONTENT ARE AT YOUR OWN RISK.

BY USING CREDITVIEW, YOU ACKNOWLEDGE AND AGREE THAT NEITHER TRANSUNION INTERACTIVE, TRANSUNION NOR THEIR AFFILIATES HAVE ANY LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO CREDITVIEW, THE CONTENT, THE PRODUCTS OR SERVICES OR THE INFORMATIONAL CONTENT (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), INCLUDING LIABILITY ASSOCIATED WITH ANY VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT. IN NO EVENT SHALL TRANSUNION INTERACTIVE OR TRANSUNION BE LIABLE FOR ANY LOSS ARISING OUT OF TRANSUNION INTERACTIVE OR TRANSUNION’S PERFORMANCE OR NON-PERFORMANCE OF ITS SERVICE. IN NO EVENT SHALL TRANSUNION BE LIABLE FOR ANY DELAY IN PROVIDING SERVICES, OR DAMAGES RESULTING FROM ANY DELAY IN SERVICES. IN NO EVENT SHALL TRANSUNION INTERACTIVE OR TRANSUNION HAVE ANY ADDITIONAL LIABILITY TO YOU EXCEPT AS STATED HEREIN.

Release

You agree to release, discharge and hold TransUnion Interactive, TransUnion and their affiliates harmless from any and all claims, losses, damages, obligations, or liabilities, directly or indirectly relating from your use of CreditView. In no event shall TransUnion Interactive, TransUnion or their affiliates be liable for any direct, incidental, special, punitive or consequential damages however caused arising out of your use, or inability to use, CreditView.

Applicable Law

The laws applicable to the interpretation of these terms and conditions shall be the laws of the Province of Ontario and applicable federal law, without regard to any conflict of law provisions. TransUnion Interactive can provide credit information only for individuals who have established credit in Canada. If you choose to access CreditView from outside Canada, you do so at your own initiative and are responsible for compliance with local laws.

Policy Regarding Children

You must have reached the age of majority in your province of residence to access CreditView. We define children as individuals under the age of majority in their province of residence. CreditView is not intended for the use of children and we do not intend to collect information about children through CreditView.

Policy on Links to Third Party Web Sites

CreditView may contain links to third party web sites. TUI does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience to you. When you access a non-TUI web site, the linked site and its content are not under our control. Your dealings with the third party, and any products or services obtained from the third party, are subject to your agreements with them. TUI is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

Notices

You should send any notices or other communications regarding CreditView, including products or services accessed through CreditView, to TransUnion Interactive, 100 Cross Street, Suite 202, San Luis Obispo, CA 93401.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address. If you wish to update your personal information, please go to "My Account" and then to "My Information."

AGREEMENT TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION

THIS SECTION IS AN AGREEMENT TO ARBITRATE DISPUTES ("ARBITRATION AGREEMENT") THAT MAY ARISE AS A RESULT OF YOUR ACCESS TO AND USE OF CREDITVIEW, YOUR USE OF THE PRODUCTS OR SERVICES ACCESSED BY CREDIT VIEW, AND/OR THESE TERMS AND CONDITIONS.

Except where prohibited by law, you agree that any dispute, claim or controversy ("Claim") between you and TransUnion Interactive or TransUnion, their respective parent, agents, contractors, employees, officers or assignees, arising out of or relating in any way to your access to and use of CreditView, your access or use of any product or service accessed through CreditView, and these Terms and Conditions, or in respect of any legal relationship associated with or derived from these Terms and Conditions, including, without limitation, tort and contract claims or claims based on any federal, provincial or local statute, law or regulation must be resolved exclusively by private and confidential binding arbitration, to the exclusion of the courts.

YOU UNDERSTAND AND AGREE THAT SUCH CLAIM WILL BE ARBITRATED ON AN INDIVIDUAL BASIS AND THAT NO CLAIM, DISPUTE OR CONTROVERSY MAY BE CONSOLIDATED WITH A DISPUTE OF ANY OTHER PERSON IN ARBITRATION, OR RESOLVED ON A CLASS-WIDE BASIS BY A CLASS ACTION OR OTHER PROCEEDING AND YOU HEREBY WAIVE YOUR RIGHT TO COMMENCE OR PARTICIPATE IN ANY SUCH COLLECTIVE OR REPRESENTATIVE PROCEEDING. Unless a different procedure is required by applicable law, the arbitration will be conducted before a single arbitrator pursuant to the ADRIC Arbitration Rules of the ADR Institute of Canada (the "ADRIC"). The place of mediation shall be Toronto, Ontario. The language of the arbitration shall be English.

You understand and agree that before you take a dispute to arbitration under this Agreement, you must first contact our customer account representatives and give us an opportunity to resolve this dispute. Similarly, before TransUnion Interactive takes a dispute to arbitration, we must first attempt to resolve it by contacting you. If the dispute cannot be satisfactorily resolved within sixty (60) days from the date you or TransUnion Interactive is notified by the other of a dispute, either party may then contact the ADRIC in writing and request arbitration of the dispute. Information about the arbitration process and the ADRIC's arbitration rules and its fees are available from the ADRIC on the Internet at adric.ca.

This Arbitration Agreement and any proceedings hereunder shall be governed by the Arbitration Act, 1991 (Ontario) as amended or replaced from time to time.

In the event of a conflict between the applicable arbitration rules and this Arbitration Agreement, this Arbitration Agreement shall govern. To the extent that the class action and collective action waivers contained herein are rendered invalid or unenforceable by applicable law as to any Claims, this Arbitration Agreement shall not apply to such Claims and thus we may elect to proceed exclusively in court. If any other provision of this Arbitration Agreement should be found invalid or unenforceable, such a determination shall not affect the enforceability of the remaining provisions, which shall remain and continue in full force and effect. Notwithstanding the foregoing, we reserve the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the courts. If applicable, you irrevocably and unconditionally submit to the courts of the Province of Ontario, or if such courts do not have subject-matter jurisdiction, to the Federal Court of Canada.

Waiver

We will not be deemed to have waived any of our rights or remedies under these Terms and Conditions unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Severability

If any provision of these Terms and Conditions conflicts with applicable or if any provision of these Terms and Conditions is held invalid or unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remaining provisions of these terms and conditions and the application of the challenged provision to persons or circumstances other than those as to which it is invalid or unenforceable will not be affected thereby, and each of those provisions will be valid and enforceable to the full extent permitted by law.

Entire Agreement

These Terms and Conditions and the TUI Privacy Policy constitute the entire agreement between the parties hereto pertaining to the subject matter hereof, and any and all written or oral agreements heretofore existing between the parties hereto are null and void.

Version Date: November 2020

Feedback Form

Thank you for your feedback regarding your TransUnion accessibility experience. We will use our best efforts to repond to you within 30 days.