1. Terms and privacy. The Terms of Service govern your account. Section 21 requires most disputes to be resolved by individual arbitration and waives class actions and jury trials. You can reject that section within 30 days by emailing [email protected] with "Arbitration Opt Out" and keep every other term. The Privacy Policy and the GLBA Privacy Notice say what we collect, who receives it, how long we keep it and how to switch each use off.

Who you are contracting with. Banrox Inc., a Delaware corporation at 40 N Altadena Dr, Ste 105, Pasadena, CA 91107. Banrox is a technology company. It is not a bank, a lender, a loan broker, a debt collector, an insurance producer, a consumer reporting agency, or a credit repair organization. It does not approve, deny or price any credit product.

2. Electronic records. To receive these records on a screen you need a device with internet access, a current browser, a working email address you check, the ability to open PDF files, and a way to print or save. A paper copy of anything is free on request at [email protected], and asking does not withdraw your consent. You can withdraw consent at any time, free, and we will tell you which features stop.

3. Receiving records electronically and signing electronically. You consent to receive these agreements and every disclosure, notice, statement, receipt and record connected to your account electronically, and to sign electronically. This covers the Terms of Service, the Privacy Policy, the GLBA Privacy Notice, billing and renewal notices, credit and identity alerts, and anything federal or state law requires us to give you. To receive and keep these records you need a device with internet access, a current browser with cookies and JavaScript enabled, a working email address you check and that accepts mail from banrox.com, software that opens PDF files, and the ability to print or save. A paper copy of anything is free on request at [email protected], and asking for one does not withdraw your consent. You may withdraw this consent at any time, free, by writing to [email protected]; we will tell you which features stop working and refund any prepaid unused fees if you close the account. Keep your email address current, because a notice sent to the address on file is a notice we gave. Clicking a button marked to indicate agreement, or typing your name into a signature field, is your signature and has the same effect as signing on paper.

The full document: Electronic Records and Signatures.

3. Your credit report. This authorization lets us pull your file so we can show it to you. It is a soft inquiry, visible only to you, and it does not lower your score no matter how often we run it. We do not sell your credit report, we do not put it in a referral, and we do not use it to advertise to you. Withdraw it any time in your account settings and monitoring stops.

1. Verifying that you are you. You authorize Banrox and the identity verification providers acting for it to use the name, address, date of birth and Social Security number you enter to confirm your identity, including by matching them against consumer reporting agency and public record databases and by asking you questions only you should be able to answer. You authorize us to collect device and network signals from this session to detect automated signups, stolen credentials and account takeover, and to verify your phone number and email address by sending you a one time code. This information is used to verify you and to prevent fraud. It is not used to decide what products you are shown, it is not sold, and it is not used to advertise to you.

2. Obtaining your credit report and score. You instruct Banrox and its consumer reporting agency partners to obtain your consumer report and credit score from one or more nationwide credit bureaus, on an ongoing basis for as long as your account is open, so that Banrox can display them to you and alert you when your file changes. This is your written instruction under section 604(a)(2) of the Fair Credit Reporting Act, 15 U.S.C. 1681b(a)(2). Every pull made under it is a soft inquiry: it is recorded for you, it is not visible to lenders, and it does not affect your score however often it runs. Banrox does not sell your credit report or score, does not include either in a referral to another company, does not use them to target advertising, and does not furnish any information about you to any credit bureau. You can withdraw this instruction at any time in your account settings or by writing to [email protected], which stops future pulls and stops monitoring.

The full document: Credit Data and Your FCRA Rights.

4. Marketing. Optional, and unticked by default. Leave it unticked and your account works exactly the same. We keep a record of the exact wording you saw, the date and the address it came from, and you can ask us for it.

5. Marketing calls and texts. Optional. If, and only if, you tick the optional box, you give Banrox your prior express written consent to send you marketing calls and text messages at the telephone number you provided, including calls and texts made using an automatic telephone dialing system or an artificial or prerecorded voice. Consent is not a condition of opening an account or of purchasing anything. Message and data rates may apply. Message frequency varies, and marketing texts are capped at eight per month. We call only between 8:00 and 21:00 in your local time, we identify ourselves at the start of every call, and we honour the National Do Not Call Registry. You can withdraw this consent by any reasonable method: reply STOP to any text, click unsubscribe in any email, tell any agent, or write to [email protected]. We act on it within ten business days at the outside and normally at once, and we keep you on our internal do not call list for at least five years.

The full document: Calls, Texts and Email.

6. Paying for a plan. If you choose a paid plan you authorize Banrox and its payment processor to charge the payment method you provide, for the amount and on the cycle shown to you before you pay, and to continue charging it until you cancel. Your plan renews automatically. You can cancel at any time, online, from Billing inside your account, in one step, which stops future charges immediately. If a charge fails we will email you, retry a small number of times over a short window, and suspend paid features rather than close your account. We do not add late fees or interest to a consumer subscription, we do not send a subscription balance to a collection agency, and we do not report it to any credit bureau. A full refund is available within thirty days of your first paid charge, for any reason or none.

The full document: Subscriptions, Billing, Auto Renewal and Refunds.