Your Free Credit Scores SERVICE AGREEMENT

The credit, money, and privacy suite of features (the "Product") that you access through Your Free Credit Scores ("Business Partner") is provided on a white-label basis by ConsumerDirect, Inc., a Nevada corporation ("ConsumerDirect" or "we" or "us") the owner of the Product. By enrolling in the Product, you are agreeing to this Service Agreement (the "Agreement"), which hereby incorporates by reference the ConsumerDirect, Inc. Terms of Use, as if fully set forth herein. In the event of any conflict or inconsistency between this Services Agreement and the Terms of Use, this Services Agreement shall control as to the Product. Although the Product may be presented or offered under the branding of the Business Partner or under a different trade name, your contractual relationship with respect to the Product is solely with ConsumerDirect. This Agreement and the Terms of Use constitute a legally binding agreement between you and us and collectively govern your use of the Product. Capitalized terms not otherwise defined herein shall have the meanings set forth in the Terms of Use.

By enrolling in the Product, you hereby grant your permission for us to share your personal information with our Business Partner, in accordance with our Privacy Policy. Our Business Partner may directly bill you for your Product subscription and may provide you with customer service on our behalf. If you access the Product through a Business Partner that directly bills you for your subscription, any billing issues, overcharges, or payment disputes must be resolved directly with the Business Partner. ConsumerDirect shall have no obligation to refund any fees collected by the Business Partner.

Please note that you will access the Product through a subdomain (member.yourfreecreditscores.com) provided by our Business Partner, and when you are interacting with our Product, this Agreement shall be binding and control. However, our Business Partner may offer other products or services or webpages that are not powered by ConsumerDirect, and your use of any of the foregoing shall be governed by Business Partner's terms and conditions.

IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, YOU MUST NOT ENROLL IN THE PRODUCT.

ARBITRATION NOTICE AND CLASS ACTION WAIVER: THIS AGREEMENT IS SUBJECT TO AN ARBITRATION CLAUSE AND A CLASS ACTION WAIVER. SEE SECTION 17 OF THE TERMS OF USE.

Your Product subscription is an all-in-one membership that may include but is not limited to the Smart Credit Report & Scores, ScoreTracker, ScoreBuilder, ScoreBoost, Credit Monitoring, Alerts, and Money Manager. Please see the Product Pricing page for current plans, features, and pricing options.

Purchasing a Subscription. We charge a subscription fee to enroll in, access, and use the Product. By clicking in the Product to purchase a subscription, you are agreeing to purchase a recurring subscription in accordance with the Terms and any additional terms displayed to you within the Product at the time of purchase, including without limitation a recurring fee at the rates we then charge as set forth in the Product.

Billing. We will bill you your first monthly subscription fee upon enrollment in the Product or upon the expiration of any promotional period. If you change your plan, we will bill you for the increased plan starting on your next regularly scheduled payment date. You may only change your plan one time in any billing cycle. Thereafter, we will bill you monthly for renewal unless you have canceled your membership prior to any renewal date.

Obligation to Pay Fees. You agree to pay all fees for any subscription you purchase until your subscription is canceled by you or by us in accordance with the Terms. If you cancel, your cancellation will take effect at the end of the current paid subscription term. You will not receive any pro-rata refund for any amounts paid under a subscription license. We may automatically suspend or terminate your subscription if any payment owed by you does not successfully process for any reason or is subject to a chargeback.

Cancellation. You may cancel any subscription at any time by (1) logging into your account at member.yourfreecreditscores.com, or (2) calling our customer service department at (800) 946-7388.

In-Product Purchases. Certain Product features, e.g. 3-Bureau Credit Report Report & Scores, require that you pay fees in addition to your membership subscription. Any such fees will be displayed to you at the time of purchase, and you will be charged for such fees at the time of purchase.

Changes in Fees. We may change the fees associated with any subscription or any Product features at any time in our sole discretion, with advance notice to you. If you do not agree to any increased subscription or other fees, your sole recourse is to cancel your subscription prior to its auto-renewal or not to make the applicable in-Product purchase, or you will be responsible for paying all increased fees.

ALL PAYMENTS FOR SUBSCRIPTIONS AND OTHER FEATURES ARE NON-REFUNDABLE. WE DO NOT ISSUE REFUNDS OR CREDITS FOR PARTIALLY USED SUBSCRIPTION PERIODS OR FOR UNUSED FEATURES, EVEN IF WE CHANGE OR ELIMINATE FEATURES OF THE PRODUCT. IF YOU NO LONGER WANT TO BE CHARGED ON A RECURRING MONTHLY BASIS, YOU MUST CANCEL YOUR SUBSCRIPTION PRIOR TO THE END OF THE PERIOD THAT YOU HAVE ALREADY PAID FOR.

Smart Credit Report. This is a revolutionary new type of tool and is not to be confused with a traditional credit report. What makes it so different is how information is shown to you and how you can interact with your creditors by using Action buttons. It also has a zoom feature to see more credit details and even your daily transactions that ultimately comprise the information reported by a credit reporting agency.

Optional 3-Bureau Credit Report Report & Scores. You may separately purchase one or more 3-Bureau Credit Report Report & Scores ("3B Reports"). Such optional 3B Reports may be ordered no more frequently than once per day. Purchased 3B Reports will be available in your User Account for a period of twelve months.

Scores and ScoreTracker. Each of your Scores has a number ranging from bad to excellent, along with a letter grade and how you compare to others. All Scores are estimates and are for educational purposes only. They cannot be used to determine final credit.

ScoreBuilder. ScoreBuilder is a 120-day program to help you better understand what may be helping or hurting your credit score and view possible actions you can take on your own. DISCLAIMER: ScoreBuilder does not recommend, advise or guarantee any action or any result. Any action taken is entirely up to each individual person. ScoreBuilder is not credit repair, and no action is ever sent to any Credit Reporting Agency.

ScoreBoost. ScoreBoost is a simulator that helps you plan your future credit score and know when it may be best to apply for credit. DISCLAIMER: ScoreBoost is a credit score simulator designed for educational purposes only. Results are not guaranteed and should not be relied upon.

Future Score. Future Score takes your current score and adds the estimated additional points you may be able to increase your score as estimated by ScoreBuilder and ScoreBoost. Future Score is only an estimate, for educational purposes only, and there is no guarantee that you will be able to achieve any Future Score displayed to you.

The Product monitors information that is posted to a credit reporting agency (specifically TransUnion) or financial accounts once you add them to Money Manager. Credit monitoring Alerts may take 48 hours to start, but may be delayed due to circumstances beyond our control.

You understand that the term "Alerts" is only a name and general description of a Product feature. It is not intended to mean and does not guarantee any particular level of timeliness or protection of your credit or identity. Alerts are provided as-is, and we make no guarantee regarding Alerts. You remain solely responsible for monitoring your own credit and identity.

Your $1 Million Fraud Insurance ("Fraud Insurance") is underwritten and administered by Voyager Indemnity Company, an Assurant Specialty Property Company ("Assurant") under a master group policy issued to ConsumerDirect for the benefit its end users.

BASED ON YOUR MEMBERSHIP, FRAUD INSURANCE MAY NOT BE AUTOMATICALLY ACTIVATED WHEN YOU ENROLL AS A MEMBER. YOU MUST ACTIVATE YOUR FRAUD INSURANCE BY LOGGING INTO YOUR ACCOUNT.

Assurant administers all claims and ConsumerDirect, Inc. shall have NO responsibility with respect to ANY Fraud Insurance benefit.

For support issues, you can contact us by:

• Phone at (800) 946-7388
• By logging into your account and submitting a support request

WE DO NOT PROVIDE CREDIT REPAIR SERVICES OR CREDIT REPAIR ADVICE. WE DO NOT CLAIM THAT WE ARE ABLE TO CLEAN UP OR IMPROVE YOUR CREDIT RECORD, CREDIT HISTORY OR CREDIT RATING. ANY MENTION OF THE WORDS "IMPROVE" OR "GOAL" OR SIMILAR TERMINOLOGY IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT CARRY THE SAME MEANING AS CLEANING UP OR IMPROVING ONE'S CREDIT RATING.

Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV. We are not affiliated with the Annual Credit Report program. Under Federal law, you have the right to receive a free copy of your credit report periodically from each of the three nationwide consumer reporting agencies at AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.

IMPORTANT DISCLAIMER: Any credit scores, score changes or available plus points shown or inferred are estimates only. Individual results and speed of results may vary, and results are not guaranteed.

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