Terms and Conditions
Last Updated: April 10, 2025
1. Acceptance of Terms
By accessing or using the All My Scores website (the "Site") or services (the "Service"), you agree to comply with and be bound by these Terms and Conditions (the "Terms"). If you do not agree to these Terms, you should not use the Site or Service. We reserve the right to update or modify these Terms at any time, so please review them periodically.
2. Eligibility
To use the All My Scores Service, you must:
● Be at least 18 years old.
● Be a resident of the United States.
● Provide accurate, current, and complete information during the registration process.
If you do not meet these criteria, you are not authorized to use the Service.
3. Services Provided
The All My Scores Service includes, but is not limited to:
● Access to credit scores and reports from all three major credit bureaus: Equifax, Experian, and TransUnion.
● Credit score tracking and monitoring, including FICO and VantageScores.
● Identity protection services, such as fraud alerts, identity theft protection, and restoration services.
● AI-powered DIY credit repair tools and suggestions.
The Service is intended for informational and educational purposes only and is not a substitute for professional financial or credit advice.
4. Account Registration and Security
To use the Service, you must create an account. You agree to provide accurate and complete information when registering and to keep your account credentials secure. You are solely responsible for maintaining the confidentiality of your account information and for all activity that occurs under your account.
If you believe your account has been compromised, you must notify us immediately at [email protected].
5. Subscription and Billing
Free Trial
If you are using a free trial, you may cancel the trial at any time before it expires. No charges will occur during the free trial period. If you do not cancel, you will be automatically billed for the selected paid plan.
Paid Plans
Subscription fees for our paid plans are charged on a monthly or annual basis, depending on your chosen plan. Payments are non-refundable except as required by law. You can cancel your subscription at any time, but you will not receive a refund for any partial billing cycle.
Pricing Changes
We reserve the right to change the pricing of our plans at any time. You will be notified in advance of any price changes.
6. Use of Service
You agree to use the Service solely for personal, non-commercial purposes and to comply with all applicable laws and regulations. You will not:
● Attempt to gain unauthorized access to the Service or any other accounts or networks connected to the Service.
● Use the Service for any illegal purpose, including fraudulent activity or misrepresentation of your credit information.
● Interfere with or disrupt the integrity or performance of the Service or any related system
7. Limitation of Liability
To the maximum extent permitted by applicable law, All My Scores is not responsible for any loss, damage, or injury resulting from your use of the Service, including:
● Errors in the information provided by the credit bureaus or third-party data providers.
● Data breaches or unauthorized access to your personal information.
● Delays or interruptions in service due to system maintenance or technical issues.
● Any decisions you make based on the information provided by the Service.
You agree to use the Service at your own risk.
8. Privacy and Data Protection
Your use of the Service is governed by our Privacy Policy, which can be found here. Please review it to understand how we collect, use, and protect your personal data.
9. Third-Party Links and Services
The Service may contain links to third-party websites or services that are not operated by All My Scores. We are not responsible for the content, privacy policies, or practices of third-party sites. You access these sites at your own risk.
10. Indemnification
You agree to indemnify, defend, and hold harmless All My Scores, its affiliates, officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Service, your violation of these Terms, or any content you submit to the Service.
11. Termination
We may suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms or engaged in fraudulent or illegal activity. Upon termination, your right to access the Service will be revoked.
12. Governing Law
These Terms and your use of the Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in San Francisco, California for any legal action arising out of or relating to these Terms.
13. Dispute Resolution
Any disputes or claims arising from these Terms will be resolved through binding arbitration in accordance with the American Arbitration Association’s rules. You waive any right to a jury trial or class action.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions will continue in full force and effect.
15. Entire Agreement
These Terms, along with our Privacy Policy and any other legal notices or agreements published on the Site, constitute the entire agreement between you and All My Scores with respect to your use of the Service.
16. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
All My Scores
1121 Worthington Woods Blvd #1090
Columbus, OH 43085
United States
Email: [email protected]
Terms and Conditions
Last Updated: April 10, 2025
1. Acceptance of Terms
By accessing or using the All My Scores website (the "Site") or services (the "Service"), you agree to comply with and be bound by these Terms and Conditions (the "Terms"). If you do not agree to these Terms, you should not use the Site or Service. We reserve the right to update or modify these Terms at any time, so please review them periodically.
2. Eligibility
To use the All My Scores Service, you must:
● Be at least 18 years old.
● Be a resident of the United States.
● Provide accurate, current, and complete information during the registration process.
If you do not meet these criteria, you are not authorized to use the Service.
3. Services Provided
The All My Scores Service includes, but is not limited to:
● Access to credit scores and reports from all three major credit bureaus: Equifax, Experian, and TransUnion.
● Credit score tracking and monitoring, including FICO and VantageScores.
● Identity protection services, such as fraud alerts, identity theft protection, and restoration services.
● AI-powered DIY credit repair tools and suggestions.
The Service is intended for informational and educational purposes only and is not a substitute for professional financial or credit advice.
4. Account Registration and Security
To use the Service, you must create an account. You agree to provide accurate and complete information when registering and to keep your account credentials secure. You are solely responsible for maintaining the confidentiality of your account information and for all activity that occurs under your account.
If you believe your account has been compromised, you must notify us immediately at [email protected].
5. Subscription and Billing
Free Trial
If you are using a free trial, you may cancel the trial at any time before it expires. No charges will occur during the free trial period. If you do not cancel, you will be automatically billed for the selected paid plan.
Paid Plans
Subscription fees for our paid plans are charged on a monthly or annual basis, depending on your chosen plan. Payments are non-refundable except as required by law. You can cancel your subscription at any time, but you will not receive a refund for any partial billing cycle.
Pricing Changes
We reserve the right to change the pricing of our plans at any time. You will be notified in advance of any price changes.
6. Use of Service
You agree to use the Service solely for personal, non-commercial purposes and to comply with all applicable laws and regulations. You will not:
● Attempt to gain unauthorized access to the Service or any other accounts or networks connected to the Service.
● Use the Service for any illegal purpose, including fraudulent activity or misrepresentation of your credit information.
● Interfere with or disrupt the integrity or performance of the Service or any related system
7. Limitation of Liability
To the maximum extent permitted by applicable law, All My Scores is not responsible for any loss, damage, or injury resulting from your use of the Service, including:
● Errors in the information provided by the credit bureaus or third-party data providers.
● Data breaches or unauthorized access to your personal information.
● Delays or interruptions in service due to system maintenance or technical issues.
● Any decisions you make based on the information provided by the Service.
You agree to use the Service at your own risk.
8. Privacy and Data Protection
Your use of the Service is governed by our Privacy Policy, which can be found here. Please review it to understand how we collect, use, and protect your personal data.
9. Third-Party Links and Services
The Service may contain links to third-party websites or services that are not operated by All My Scores. We are not responsible for the content, privacy policies, or practices of third-party sites. You access these sites at your own risk.
10. Indemnification
You agree to indemnify, defend, and hold harmless All My Scores, its affiliates, officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Service, your violation of these Terms, or any content you submit to the Service.
11. Termination
We may suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms or engaged in fraudulent or illegal activity. Upon termination, your right to access the Service will be revoked.
12. Governing Law
These Terms and your use of the Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in San Francisco, California for any legal action arising out of or relating to these Terms.
13. Dispute Resolution
Any disputes or claims arising from these Terms will be resolved through binding arbitration in accordance with the American Arbitration Association’s rules. You waive any right to a jury trial or class action.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions will continue in full force and effect.
15. Entire Agreement
These Terms, along with our Privacy Policy and any other legal notices or agreements published on the Site, constitute the entire agreement between you and All My Scores with respect to your use of the Service.
16. Contact Us
If you have any questions or concerns about these Terms, please contact us at:
All My Scores
1121 Worthington Woods Blvd #1090
Columbus, OH 43085
United States
Email: [email protected]
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Take Control of Your Credit Today
Save Money, Unlock Opportunities, and Build a Brighter Financial Future.