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If you are a resident of the State of California, please review the section titled “Additional Information for California Residents” below.
If you are located in the European Union or European Economic Area, be advised that this site does not provide services to you, does not target you for marketing purposes, and requests that you not provide us with any personal data as defined by the General Data Protection Regulation (GDPR). If you provide us with personal data despite this warning, we will handle your personal data in accordance with this policy.
GoFreeCredit.com offers two types of TransUnion credit monitoring subscriptions:
$24.95 per month Credit Monitoring Subscription with $1 7-Day Trial Your free TransUnion Credit Score & $1 Credit Report are available as part of a 7-day trial TransUnion subscription credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed $24.95 per month thereafter on a continuous basis until cancelled (plus tax where applicable).
$19.95 per month Credit Monitoring Subscription
Your TransUnion Score & Report are available as part of the TransUnion subscription credit monitoring service. You will be billed at $19.95 per month thereafter on a continuous basis until cancelled (plus tax where applicable).
GOFreeCredit.com takes privacy very seriously and we do our best to never compromise the privacy of our customers. In order to be an effective intermediary we do need to collect certain contact and financial information to effectively sign customers up for our partner's products. In order to prevent unauthorized access or disclosure, we have put in place commercially reasonable physical, technical/logical and managerial policies and procedures to safeguard and secure the information we collect online.
We are committed to using state of-the-art technology in order to protect personal and financial information entered on this website.
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you.
Information provided by you: We collect information provided by you in connection with obtaining financial products or services such as credit monitoring (full name, physical address, email address, telephone number, last four digits of your social security number, date of birth, credit card information). You may also provide us with your information when you register to receive communications from us (such as your email address or phone number(s)). We collect information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a GOFreeCredit.com partner. We may also acquire information on whether or not you purchased a product or service of a GOFreeCredit.com advertising partner, advertising networks; as well as additional information through data analytics providers and operating systems and platforms.
Information from service providers: Information is collected from third party service providers about geographical demographics, such as median household income or age. We may use third-party advertising companies to serve ads on our behalf. These companies may employ cookies and action tags (also known as single pixel gifs or web beacons) to measure advertising effectiveness.
Restricted Confidential Data such as Social Security Number or Credit Card information is held at the highest level of scrutiny. Restricted Confidential data is only used in the sign-up process for the specific offer you have chosen and is never stored in our systems or logs. This data is only requested when required by the partner offer that you are signing up for, and that partner offer's Privacy Policies are present for review during the sign-up process.
We use the information we collect from you and third parties to operate our products, communicate with you, conduct research and development to improve or enhance our products and customer experience. These are a few examples:
The following describes some of the ways that your information may be disclosed in the normal scope of business:
GOFreeCredit.com may aggregate personal information and disclose such personal information to advertisers and other third parties for their marketing and promotional purposes. For example, GOFreeCredit.com may aggregate location information and disclose it to advertisers to inform them of where their ads are performing.
External Service Providers (i.e. Partners Offering Services to Customers)
There are a number of separate offers from our partners that GOFreeCredit.com refers to as external service providers that may be complementary to your use of www.GOFreeCredit.com (e.g. lenders, financial institutions, credit card issuers). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their individual privacy policies.
Internal Service Providers
GOFreeCredit.com may use third parties that GOFreeCredit.com refers to as internal service providers to facilitate or outsource one or more aspects of GOFreeCredit.com's business, product and service operations that GOFreeCredit.com provides to you (e.g., technology, forums, newsletters/alerts, analytical tools, advertising campaign management) and therefore GOFreeCredit.com may provide some of your personal information directly to these internal service providers.
In the Event of a Sale
GOFreeCredit.com may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to www.Gofreecredit.com and other websites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.
The types of information that may be collected by third-party advertising companies include the following:
You may choose to restrict the collection or use of your personal information in the following ways:
Do not fill out the forms:
Filling out all forms is entirely optional and only required in order to verify your identity to sign you up for the offer you are interested in.
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at email@example.com or unsubscribe at https://www.gofreecredit.com/unsubscribe
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You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. Cookies may collect information that includes your internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. For example, we may assign a cookie to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
We have collected the following categories of personal information from consumers within the last twelve (12) months:
|Category||Examples||Collected||Business or Commercial Purpose for Collection|
|A. Identifiers||A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.||YES||Fulfill requests submitted through the site; Connect individual with particular services featured on the site; Advertising/marketing services; and Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity|
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).||
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some personal information included in this category may overlap with other categories.
|YES||Fulfill requests submitted through the site; Connect individual with particular services featured on the site; Advertising/marketing services; and Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity|
|C. Protected classification characteristics under California or federal law||Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).||YES||Fulfill requests submitted through the site; Connect individual with particular services featured on the site; Advertising/marketing services; Update internal database; Analytics; and Internal research|
|D. Commercial Information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||YES||Provide site access and interaction; Track site access and interaction; Fulfill requests submitted through the site; Personalize and improve the site; Advertising/marketing services; Update internal database; Analytics; Connect individual with particular services featured on the site; Track consumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Internal research|
|E. Biometric information||Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.||NO||N/A|
|F. Internet or other similar network activity||Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.||YES||Provide Site access and interaction; Track Site access and interaction; Personalize and improve the Site; Advertising/marketing services; Update internal database; Analytics; Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity; Debug to identify and repair errors that affect functionality; Track consumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Verify or maintain quality or safety|
|G. Geolocation data||Physical location or movements.||YES||Provide site access and interaction; Track site access and interaction; Personalize and improve the site; Advertising/marketing services; Update internal database; Analytics; Detect security incidents, or protect against malicious, deceptive, fraudulent, or illegal activity; Debug to identify and repair errors that affect functionality; Track consumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Verify or maintain quality or safety|
|H. Sensory data||Audio, electronic, visual, thermal, olfactory, or similar information.||NO||N/A|
|I. Professional or employment-related information.||Current or past job history or performance evaluations.||NO||N/A|
|J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).||Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.||NO||N/A|
|K. Inferences drawn from other personal information.||Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||YES||Track Site access and interaction; Personalize and improve the Site; Advertising/marketing services; Update internal database; Trackconsumer interaction (counting ad impressions, verifying positioning and quality of ad impressions, etc.); and Analytics|
Personal information does not include:
Regarding the categories of sources from which personal information is collected, in addition to collecting personal information through the Site, we may also collect personal information through advertising networks; advertising partners; data analytics providers; and operating systems and platforms.
We may disclose your personal information to a third party for a business purpose or sell your personal information, subject to your right to opt-out of those sales (see "Do Not Sell My Personal Information/Personal Information Sales Opt-Out and Opt-In Rights"). When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract. The CCPA prohibits third parties who purchase the personal information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
Disclosures of Personal Information for a Business Purpose
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
We disclose your personal information for a business purpose in the above identified categories to the following categories of third parties:
In addition to the above, we may disclose your personal information in any of the above categories if legally required to do so, in our sole discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public. Also, in the event that we, or substantially all of our assets, are acquired, personal information in all of the above categories may be included within the transferred assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such personal information in all of the above categories in a transaction approved by the court.
In the preceding twelve (12) months, we have sold the following categories of personal information:
We sell your personal information in the above identified categories to the following categories of third parties:
We do not have any actual knowledge of the sale of personal information of minors under 16 years of age. There are no financial incentives to disclose.
The CCPA provides California residents with specific rights regarding their personal information. Under the CCPA, up to twice in a twelve (12) month period, a California resident has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights and How to Make a Request
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:
To submit a request to know, you may email us at firstname.lastname@example.org. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, California address, phone number, and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request will be used for the express purposes of verification and providing you with responsive information to your request, if required.
Deletion Request Rights and How to Make a Request
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. To submit a request to delete, you may email us at email@example.com, or send your request to: ConsumerTrack, Inc., 1700 E. Walnut Avenue 2nd Floor, El Segundo, CA 90245. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, California address, phone number and email address. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and fulfilling your request, if required. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Exercising Access, Data Portability, and Deletion Rights
Information on how to exercise the access, data portability, and deletion rights is found above under the "Access to Specific Information and Data Portability Rights and How to Make a Request" and "Deletion Request Rights and How to Make a Request" headings.
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. If you elect to use an authorized agent to exercise your right to submit a request for access, data portability, or for deletion, we may require the following before processing the request: 1) proof of your written and signed permission with the authorized agent to act on your behalf; 2) direct verification of your own identity with us; and 3) direct confirmation with us that you provided the authorized agent permission to submit the request on your behalf. Though this site should not be used by minors, you may also make a verifiable consumer request on behalf of your minor child in the event that we inadvertently receive information about a minor.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. To process your request, we may require that you submit the following information in conjunction with your request: your first name, last name, California address, phone number and email address.
Making a verifiable consumer request does not require you to create an account with us.
We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usaeble and should allow you to transmit the information from one entity to another entity without hindrance, specifically JSON.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
For instructions on exercising sale opt-out rights, see Do Not Sell My Personal Information/Personal Information Sales Opt-Out and Opt-In Rights.
Do Not Sell My Personal Information/Personal Information Sales Opt-Out and Opt-In Rights
You have the right to direct us to not sell your personal information at any time (the "right to opt-out") and to refrain from doing so in the future. We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following Internet Web page link: https://member.gofreecredit.com/do-not-sell, or by emailing us at firstname.lastname@example.org. If you elect to use an authorized agent to exercise your right to opt-out of the sale of your personal information, we may require proof of the authorized agent’s ability to act on your behalf.
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by:
You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time. We do not currently provide any financial incentives.
California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to email@example.com. This request may be made no more than once per calendar year. We reserve our right not to respond to requests that are not submitted in accordance with this section.
If you are an individual in the European Economic Area (EEA), we collect and process information about you only where we have a legal basis for doing so under applicable EU laws. The legal basis depends on the services you use and how you use them. This means we collect and use your information only where:
Your data may be transferred to and maintained on computers located outside of your state, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. All of our information, including the data we collect about you described in this policy, is stored in the United States of America and may be processed in and outside of the United States. By using the Site, you consent to the transfer of such information to countries outside or your country of residence, which may have different data protection rules than those of your country.
You should be aware that when you are on this site, you could be directed to other sites that are beyond our control. There are links to other sites from GOFreeCredit.com site pages that take you outside of our service. For example, if you click on a banner advertisement or a search result, the click may take you off the GOFreeCredit.com site. This includes links from lenders, brokers, advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. We reserve the right to disable links from third-party sites to the GOFreeCredit.com site but we make no representations concerning the content of sites linked to our site and, consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality, or nature of material contained linked to our site.
GOFreeCredit.com NOT RESPONSIBLE FOR INFORMATION ON SITE; WAIVER OF LIABILITY.
By use of the GOFreeCredit.com site, you agree that GOFreeCredit.com shall not be responsible or liable in any manner for any of the products, services, information or other materials (collectively, "Information") provided, displayed, made available or otherwise obtained by you as a result of your use of the GOFreeCredit.com site including, without limitation, any loan recommendations or quotes, agent or broker referrals, applications, pre-qualifications, approvals or rejections, loan or interest rate analyses or any other results or proceeds from the use of this site or other sites linked to, or affiliated with, this site and you hereby irrevocably waive any claims against GOFreeCredit.com arising out of your use of this site or other sites linked to, or affiliated with, this site. Nothing on this site is or shall be construed as an offer, acceptance, promise or other representation by GOFreeCredit.com to make a specific loan or that any participating lender will make any loan for any particular purpose or on specific terms.
Under no circumstances shall GOFreeCredit.com be liable to you or anyone else for any inaccuracies, errors or omissions, or delays with respect to any Information (or the transmission or delivery of all or any part thereof) provided, displayed, made available or otherwise obtained by you as a result of your use of the GOFreeCredit.com site or any other sites linked to, or affiliated with, the GOFreeCredit.com site or for claims, costs, losses or damages of any kind resulting or arising from the use of such Information and you hereby irrevocably waive any claims against GOFreeCredit.com arising out of your use of this site or other sites linked to, or affiliated with, this site. You are entirely responsible for independently verifying and approving the results, accuracy, adequacy, completeness, validity, enforceability and quality of any such Information and we do not guarantee, verify or make any representations or warranties with regard to the same.
THE INFORMATION AND MATERIALS PROVIDED ON THIS GOFreeCredit.com SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE INFORMATION OR MATERIALS ON OUR SITE OR ANY LINKED SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. WE DO NOT WARRANT THAT THE FUNCTIONS ON OUR SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SITE OR THE SERVERS THAT MAKE SUCH INFORMATION AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO ANY CAUSES OF ACTION (WHETHER IN CONTRACT, TORT [INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE] OR OTHERWISE), SHALL GOFreeCredit.com BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) RESULTING OR ARISING FROM THE USE OF THE GOFreeCredit.com SITE OR THE INFORMATION, MATERIALS OR FUNCTIONS PROVIDED ON THE GOFreeCredit.com SITE OR ANY LINKED SITE.
By clicking the "Submit & Continue" button on the Site, you adopt such as your electronic signature, and consent and agree that GoFreeCredit.com may provide you with electronic communications and disclosures (collectively, "Communications") via email, by making them accessible on the GoFreeCredit.com site; and your electronic signature on agreements and documents has the same effect as if you signed them in writing. If you wish to revoke/withdraw your consent at any time, please contact us at firstname.lastname@example.org. Withdrawal of your consent may result in termination of your access to the GoFreeCredit.com site. Any withdrawal will be effective only after a reasonable period of time to process your withdrawal. You are responsible for providing us with true and accurate information, including your contact information. To access and retain the Communications, you will need the following: computer or mobile device with access/use of the internet or mobile connectivity and an operating system capable of receiving, accessing, and displaying Communications; a supported internet browser; sufficient storage space to save Communications and/or a printer to print them; and a valid email account and software to access such email account. You have the right to receive Communications in paper form. Please contact us at info@GoFreeCredit.com to request a paper copy of any Communications at no charge. A request will not be treated as withdrawal of consent to receive electronic Communications.
If you choose to opt-out, please email us at email@example.com
We honor and respect the privacy of all consumers by insuring that an individual is not contacted if they are listed on the Federal or State Do Not Call list unless they complete our request form and ask to be contacted by our partners. The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. You can register your home or mobile phone for free. Your registration will be effective for five years. Please visit donotcall.gov for more information.
THE PARTIES AGREE TO WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CONSOLIDATED OR CLASS ACTION AND AGREE THAT ALL FORMS OF CLASS ACTION OR CLASS ARBITRATION ARE EXPRESSLY PROHIBITED. THE PARTIES UNDERSTAND THEY WILL NOT HAVE THE RIGHT TO A TRIAL BY A COURT OR A JURY AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING WWW.GOFreeCredit.com YOU CONSENT TO THESE RESTRICTIONS.
You and GOFreeCredit.com shall select the arbitrator, and if you and GOFreeCredit.com are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs. Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and GOFreeCredit.com and your and GOFreeCredit.com's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or GOFreeCredit.com be entitled to punitive, special, indirect or consequential damages and both you and GOFreeCredit.com hereby waive your and GOFreeCredit.com's respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and GOFreeCredit.com, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Los Angeles County, California.
If you have any questions or concerns, you may call us at 310-297-9233 or write to us at:ConsumerTrack, Inc.
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