Effective Date: August 1st 2025

These terms of use are entered into by and between you and Trilogy Credit LLC. The following terms and conditions govern your use of www.trilogycredit.com , including any and all web apps, mobile applications, and other websites (collectively, the “Websites”) provided by Trilogy Credit LLC and its affiliates (“Trilogy,” “we”,“us” or “our”).

To assist you in using our Websites, and to explain the relationship arising from your use of our Websites and the information, products, and services offered through them, including by way of example our service identifying potential errors in your credit report (collectively, “Services”), we have created (i) these Terms of Use, and (ii) our Privacy Policy www.trilogycredit.com/privacy. Our Privacy Policy explains how we treat certain information that we have about you, including Personal Information (as defined in our Privacy Policy), and the Terms of Use govern your use of the Websites and the Services.

THE WEBSITES AND SERVICES ARE NOT INTENDED FOR MINORS. IF YOU ARE UNDER THE AGE OF EIGHTEEN (18) YEARS OLD, YOU MAY NOT USE ANY OF THE WEBSITES OR ANY OF THE SERVICES.

1. Your Agreement. These Terms of Use govern your use of the Websites and the Services. Please read these Terms of Use carefully as they impose legal obligations on you and us. By accessing and using any of the Websites or any of the Services (even just browsing one of our websites), you are acknowledging and agreeing to be legally bound by these Terms. If you don’t agree with the Terms of Use, you may not use any of the Websites or any of the Services. In addition, for certain activities on the Websites or use of the Services, we may further confirm your consent by asking you to click an “I accept” or similar button. Your use of, and participation in, certain of the Services may be subject to additional terms (“Supplemental Terms”) and such Supplemental Terms will either be listed in these Terms of Use or will be presented to you for your acceptance when you sign up to use the supplemental Service. Your access to and use of the Websites and the Services is subject to the Privacy Policy, and any additional policies specified in the Terms (each, a “Policy” and collectively, “Policies”). If these Terms of Use are inconsistent with the Supplemental Terms or any Policy, the Supplemental Terms or Policy will control with respect to such Service. All Supplemental Terms and Policies are hereby incorporated into these Terms of Use by reference. These Terms of Use, all applicable Supplemental Terms and the Policies are collectively referred to as the “Terms.”

   PLEASE NOTE: The Terms are subject to change by Trilogy in its sole discretion at any time. When changes are made, Trilogy will make a new copy of the Terms available on the Websites, and any new Supplemental Terms will be made available from within, or through, the affected Service on the Websites. We will also update the “Effective Date” date at the top of the Agreement. If we make material changes to the Agreement, we may (and, where required by law, will) also provide notification of changes in another way that we believe is reasonably likely to reach you, such as via e-mail if you have an account or another manner through the Services (which may include posting an announcement on the Websites). Trilogy may require you to provide consent to the updated Terms in a specified manner before further use of the Websites, and/or the Services is permitted. If you do not agree to any change(s) after receiving a notice of such change(s), you agree to stop using the Websites and the Services. Otherwise, your continued use of the Websites or Services constitutes your acceptance of such change(s). PLEASE REGULARLY CHECK THE WEBSITES TO VIEW THE THEN-CURRENT TERMS.

2. Not a Credit Reporting Agency; Not a Substitute for Financial Advice.Trilogy is not a credit reporting agency. The Websites and the Services are provided for educational and informational purposes only and are not intended to be a substitute for financial advice, investment decisions, or other professional financial services. You should always seek the advice of a qualified financial advisor or other qualified professional with any questions regarding financial matters.
3. Your Account.
   1. Certain features of the Websites or the Services require you to become a registered user through our account signup process. If you choose to become a registered user and obtain a username and password, please keep in mind that we will treat anyone who uses your username and password as “you.” We will provide this user with all of the rights and privileges that we provide to you, and we will hold you responsible for user activities associated with your username and password. We therefore recommend that you maintain your username and password in confidence, and that you refrain from disclosing this information to anyone who might “pretend” to be you with respect to your use of the Websites or the Services. Please notify us immediately as provided in Section 20 (Contact Us) if you suspect that someone is using your username and password in an inappropriate manner.
   2. In registering an account through the Services, you agree to (a) provide true, accurate, current and complete information about yourself as prompted by the registration form (the “Registration Data” ); and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. You represent that you are (i) at least eighteen (18) years old; and (ii) not a person barred from using any Trilogy Property under the laws of the United States, your place of residence or any other applicable jurisdiction. If you provide any information that is untrue, inaccurate, not current or incomplete, or Trilogy has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Trilogy has the right to suspend or terminate your account and refuse any and all current or future use of any Trilogy Property. You agree that you shall not have more than one account at any given time.
4. Grant of Rights to Users.Based on your agreement to comply with these Terms, we grant you the right to access and use all publicly available and, if expressly authorized, password-protected areas of the Websites, Websites Content (as defined below), and the Services in order to: (a) learn more about Trilogy and our Services; (b) access and use the Services available through the Websites for your personal use and as may be further described in Supplemental Terms; (c) provide information to us through the Websites; and (d) download and print pages on the Websites (collectively, the “General Permitted Purposes” ). We strictly prohibit use of any of the Websites, Websites Content, and any of the Services for any purpose other than the General Permitted Purposes.
5. Trilogy Ownership; Reservation of Rights.As between us, the Website, the Services, and any and all information, software, artwork, trademarks, text, video, audio, pictures, logos, and other content on the Websites or embodied in the Services, including all associated intellectual property rights (collectively, the “Websites Content” and together with the Websites and the Services, the “Trilogy Property”), are the property of Trilogy and its licensors, are protected by U.S. and international copyright and other intellectual property laws, or are used under principles of fair use. Trilogy and its licensors retain all rights with respect to the Trilogy Property except those expressly granted to you in these Terms. The term “Websites Content” expressly excludes Submitted Content.
6. Submitted Content.The term “Submitted Content” means information that you submit to the Websites or otherwise make available to us, including, but not limited to: (a) copies of your credit reports; (b) feedback, questions, comments, and suggestions you provide to us; (c) word documents, PDFs, images, audiovisual files, and other files that you provide to us; and (d) any and all other information or materials you provide to us or upload directly or indirectly on the Websites.
   1. Grant of Rights in Submitted Content. By providing Submitted Content, and subject to your rights in Personal Information set out in our Privacy Policy, you authorize us to copy, modify, display, distribute, perform, use, and otherwise exercise applicable rights in the Submitted Content without compensation to you and for so long as we deem warranted (collectively, the “Use Rights”). In addition, you authorize us to permit third parties to exercise these Use Rights as necessary to provide the Services. By way of example, the Use Rights include the right for us to publish feedback, testimonials, or reviews on the Websites in whole or in part, and whether cropped, adopted, altered, or otherwise manipulated, for as long as we choose.
   2. Requisite Permission for Providing Submitted Content. By providing Submitted Content, you represent and warrant that you own such Submitted Content (including any copyright and other intellectual property rights therein), or that you have obtained sufficient authority and right in and to the Submitted Content in order to provide the Use Rights.
   3. Submitted Content Containing Personal Information. If you provide Submitted Content to the Websites that includes Personal Information (as this term is defined in our Privacy Policy), we will treat such Submitted Content in accordance with our Privacy Policy .
   4. Right to Decline Submitted Content.We expressly reserve the right to refuse to use (or to disable or remove) Submitted Content that for any reason, including if we conclude, in our sole discretion, that such Submitted Content violates these Terms or our Privacy Policy, or is incompatible with the purposes of the Websites or our operations.
   5. EXCEPT FOR OBLIGATIONS TO PROTECT YOUR PERSONAL INFORMATION AS SET FORTH IN THE PRIVACY POLICY, TRILOGY ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY SUBMITTED CONTENT, USER COMMUNICATIONS OR PERSONALIZATION SETTINGS.
7. Code of Conduct; Revocation or Suspension of Use Privileges.By using the Websites or the Services, you agree to follow our Code of Conduct, which is set out below. Under this Code of Conduct, you shall not: (a) license, sell, rent, lease, transfer, assign, reproduce, distribute, host or otherwise commercially exploit any Trilogy Property or any portion of Trilogy Property, including the Websites and the Services; (b) access or use the Websites or the Services by any means other than through the interfaces provided by Trilogy or do any “mirroring” or “framing” of any part of the Websites or the Services, or create Internet links to the Services that include log-in information, usernames, passwords, and/or secure cookies; (c) use any metatags or other “hidden text” using Trilogy’s name or trademarks; (d) modify, translate, adapt, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of Trilogy Property; (e) use any manual or automated software, devices or other processes (including, but not limited to, spiders, robots, scrapers, crawlers, avatars, data mining tools or the like) to “scrape” or download data from any web pages contained in the Websites or the Services (except that we grant the operators of public search engines revocable permission to use spiders to copy materials from the Websites for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of the materials, but not caches or archives of such materials); (f) access any Trilogy Property in order to build a similar or competitive website, application or service; (g) except as expressly stated in the Terms, copy, reproduce, distribute, republish, download, display, post or transmit any Trilogy Property in any form or by any means; (h) remove or destroy any copyright notices or other proprietary markings contained on or in any Trilogy Property; (i) violate or attempt to bypass any usage restrictions on specific features or settings, such as limits on access frequency, storage capacity, or other system resources; (j) use any method to extract, harvest, collect, or store data from the Services other than as permitted through the Services; (k) share, rent, or allow concurrent use of access credentials; use or attempt to use stolen, hacked, purchased, borrowed, or otherwise improperly obtained credentials; access the system through any automated or programmatic method not explicitly authorized, impersonate another user, or permit use of any Services by any unauthorized individual, entity, device, or system; (l) use any Services in violation of any applicable law; (m) use any Services in a manner that knowingly infringes, misappropriates, or otherwise violates any third party’s rights; (n) use any Services for any unlawful, prohibited, defamatory, fraudulent, deceptive, unethical, inappropriate, offensive, violent, pornographic, obscene, abusive or harmful purpose or activities; (o) attempt to probe, scan, or test the vulnerability of the Services, breach the security or authentication measures of the Services without proper authorization, or intentionally make any part of the Services unavailable to any individual, entity, device, or system; (p) introduce into any Services any malicious code, including viruses, worms, Trojan horses, time bombs, spyware, adware, or other harmful technologies; (q) use the Services in any manner that disrupts or compromises the integrity or security of the Service or related systems; (r) transfer, lease, lend, provide, display, publish, sublicense, sell, assign, or otherwise make any Services available to any individual, entity, device, or system except as expressly permitted in this Agreement; (s) collect, record, store, analyze, or disclose confidential information related to the operation of the Services, including patterns, methodologies, response characteristics, or other proprietary elements that could reveal Trilogy’s intellectual property; or (t) use the Services in violation of Trilogy’s policies or that may harm Trilogy’s name or reputation.

   We reserve the right at any time to terminate or suspend your use of any or all of the Websites or any of the Services immediately without notice if you engage in activities that we conclude, in our sole discretion, breach our Code of Conduct or otherwise violate any of the Terms.

8. Links to Third-Party Websites.The Websites may contain links or references to other websites. We have no control over these other sites or their content and do not assume responsibility or liability for any content, opinions, or material available on them. We do not endorse the content of any third-party site, nor do we warrant that a third-party site will be free of computer viruses or other harmful code that can impact your computer or other web-access device. If you access links to any third-party website through any of the Trilogy Property, please be aware that you are doing so at your own risk. We encourage you to review any third-party websites’ terms of use and privacy policy as those apply to your use of those third-party websites and any information that they collect.
9. Termination.
   1. Termination.If you want to terminate the Services provided by Trilogy, you may do so by (a) notifying Trilogy at any time and (b) closing your account for all of the Services that you use. Your notice should be sent, in writing, to Trilogy’s email address set forth below. We reserve the right to terminate your access to any of the Trilogy Property, at any times, for any reason, in our sole discretion.
   2. Effect of Termination.Termination of the Services includes removal of access to the Services and barring of further use of the Services. Upon termination of the Services, your right to use the Services will automatically and immediately terminate. You understand that any termination of Services may involve deletion of Submitted Content associated therewith from our databases. Trilogy will not have any liability whatsoever to you for any suspension or termination, including for deletion of Submitted Content. Upon termination, your Personal Information will be deleted in accordance with our Privacy Policy and applicable data retention practices. You may also submit a data deletion request, and we will permanently delete your data from our systems, subject to any retention obligations required by law. We recommend exporting or saving any information of value to you before canceling your account. Features or modules offered on a beta or experimental basis may be discontinued at any time with or without notice, including upon account termination.
10. Disclaimers.
    1. Websites Features.The Services may include, by way of limited example (a) summaries and explanations of potential errors on your credit report, and (b) products and advertisements that we deem may be of interest to you. Although Trilogy has used commercially reasonable efforts to provide you with clear and accurate information, THE FEATURES OF THE TRILOGY PROPERTY IS BEING PROVIDED TO YOU FOR INFORMATIONAL PURPOSES ONLY AND ARE NOT TO BE RELIED ON FOR ANY PURPOSES. BY ACCESSING THE WEBSITES, YOU ACKNOWLEDGE AND AGREE THAT TRILOGY CREDIT LLC AND ITS LICENSORS AND THEIR SERVICE PROVIDERS SHALL NOT BE BOUND BY ANY INFORMATION ON ANY OF THE TRILOGY PROPERTY. ADDITIONALLY, THE TRILOGY PROPERTY IS NOT A SUBSTITUTE FOR FINANCIAL, LEGAL OR TAX ADVICE. TRILOGY CREDIT LLC AND ITS LICENSORS AND THEIR SERVICE PROVIDERS DO NOT PROMISE THAT ANY OF THE TRILOGY PROPERTY WILL BE ERROR-FREE, UNINTERRUPTED, OR WITHOUT INACCURACIES. THE TRILOGY PROPERTY IS DELIVERED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WHEN YOU ACCESS OR USE ANY OF THE TRILOGY PROPERTY YOU DO SO AT YOUR OWN RISK. TRILOGY CREDIT LLC ITS LICENSORS AND SERVICE PROVIDERS DO NOT WARRANT OR REPRESENT THAT MATERIALS YOU DOWNLOAD FROM ANY OF THE TRILOGY PROPERTY WILL BE FREE OF VIRUSES OR OTHER HARMFUL FEATURES OR INACCURACIES.
    2. Warranty Disclaimers.TRILOGY CREDIT LLC AND ITS LICENSORS AND THEIR SERVICE PROVIDERS DISCLAIM: (a) ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; (b) ANY RESPONSIBILITY OR LIABILITY FOR THE ACCURACY, CONTENT, COMPLETENESS, OR LEGALITY OF INFORMATION AVAILABLE THROUGH THE WEBSITES OR SERVICES; AND (c) ANY RESPONSIBILITY OR LIABILITY FOR HARM RESULTING FROM DOWNLOADING OR ACCESSING INFORMATION THROUGH THE WEBSITES, INCLUDING HARM CAUSED BY VIRUSES OR SIMILAR DESTRUCTIVE FEATURES. YOU EXPRESSLY AGREE THAT USE OF THE WEBSITES, SERVICES, AND WEBSITES CONTENT IS AT YOUR SOLE RISK.
11. Limitation of Liability.UNDER NO CIRCUMSTANCES WILL TRILOGY AND ITS LICENSORS AND THEIR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR FOR ANY DAMAGES RESULTING FROM LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN CONNECTION WITH ANY OF THE TRILOGY PROPERTY, WHETHER OR NOT TRILOGY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER BASED ON WARRANTY, COPYRIGHT, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY.. IN NO EVENT SHALL TRILOGY’S AGGREGATE LIABILITY TO YOU FOR ANY LOSS, DAMAGE, OR CLAIM RELATED TO OR ARISING OUT OF ANY OF THE TRILOGY PROPERTY EXCEED ONE HUNDRED DOLLARS ($100.00). THE FOREGOING CAP ON LIABILITY SHALL NOT APPLY TO LIABILITY OF TRILOGY FOR ANY INJURY CAUSED BY TRILOGY’S FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN TRILOGY AND YOU. THE FOREGOING LIMITATIONS OF LIABILITY APPLY TO THE FULLEST EXTENT ALLOWED BY LAW.
12. Indemnity.You will defend, indemnify, and hold Trilogy and its subsidiaries, affiliates, officers, directors, agents, and employees harmless from any liability to third parties, including reasonable attorneys’ fees, arising from or related to your breach of these Terms or a claim that Submitted Content or other material that you provide to us violate the rights of a third-party.
13. Monitoring Websites Use.You agree that we have the right and discretion to monitor any activity and content associated with the Trilogy Property. We may investigate any reported violation of the Terms or complaints relating to any of the Trilogy Property, and may take any action that we believe is appropriate including, but not limited to, removing materials from any of the Trilogy Property and terminating/suspending your access to any of the Trilogy Property.
14. Assignment.These Terms shall not be assignable, either in whole or in part, by you. We reserve the right to assign the rights and obligations under these Terms for any reason and in our sole discretion.
15. Governing Law; Venue.These Terms shall be governed in all respects by the laws of Nevada, without giving effect to its conflicts of law provisions. Both parties submit to the personal jurisdiction of and venue in, the state and federal courts sitting in the judicial district that includes Las Vegas, Nevada. The parties further agree that any cause of action arising under these Terms shall exclusively be brought in such courts. You waive any and all objections to the exercise of jurisdiction over you by the courts and to venue in the courts listed above.
16. Jury Trial Waiver; Class Action Waiver.To the fullest extent allowable by law, each party hereby irrevocably waives its rights to trial by jury in any claim or proceeding arising out of or relating to any of the Trilogy Property or the Terms. To the fullest extent permitted by applicable law, you and Trilogy agree that any dispute arising out of or relating to these Terms will be resolved solely on an individual basis, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. You further agree to waive any right to bring or participate in a class action or similar procedural device in any federal or state court.
17. General.If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.
18. Claims Against Other Users.You agree that in the event that you have any right, claim, or action against visitors or other users of any of the Trilogy Property arising out of that person’s use of any of the Trilogy Property, then you will pursue such right, claim, or action independently of, and without recourse to, us.
19. Survival.In addition to any right or obligation that by its nature or intent is intended to survive any termination or expiration of these Terms, the following provisions shall survive the termination or expiration of these Terms and shall apply indefinitely: (a) Section 5 (Trilogy Ownership; Reservation of Rights); (bi) Section 6 (Submitted Content); (c) Section 7 (Code of Conduct; Revocation or Suspension of Use Privileges); (d) Section 9 (Disclaimers); (e) Section 11 (Limitation of Liability); (f) Section 12 (Indemnity); (g) Section 15 (General); (h) Section 19 (Survival); and (i) Section 21 (Complete Agreement).
20. Contact Us.We welcome your feedback or suggestions. If you have suggestions or concerns, or questions about these Terms, please contact us at: support@trilogycredit.com .
21. Complete Agreement.These Terms of Use, all Supplemental Terms, and all Policies set forth the entire understanding and agreement between you and us with respect to the subject matter hereof and supersede any prior or contemporaneous understanding, whether written or oral.