2. Usage License

MYCS grants you a limited license to access and use this Website in accordance with these TOS. MYCS reserves the right to terminate your license to use MYCS at any time and for any reason or to charge for commercial usage in the future.

3. Privacy

MYCS knows that you care about how information about you is used and shared, and we appreciate the trust that you place in us. That's why we post a Privacy Policy on this Website. For more details and to understand our practices, please review our Privacy Policy http://www.My-CreditScore.com/privacy.html, which also governs your visit to this website.

4. Modification to Website

Though we strive for accuracy, information on this Website may contain inadvertent technical inaccuracies or typographical errors. Information may be changed or updated without notice. MYCS may also make improvements and/or changes in the products and/or the programs/offers described in this information at any time without notice.

5. Third Party Websites

This Website provides links to third party websites who provide other services and whose offers we recommend. For example, the Website provides a link to the website of an affiliate company from which you can obtain your credit score. These non-MYCS websites are not created or maintained by MYCS. They are independent from MYCS and MYCS has no control over the content of these third-party websites. Therefore, MYCS is not responsible for examining or evaluating, and does not warrant the offerings of or endorse any of these businesses or individuals or the advertising or content of their Websites. In addition, MYCS does not assume any responsibility or liability, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the actions, product, and content of all these and any other third parties. Any offer that you decide to partake in on these third-party websites are controlled by those websites’ terms and conditions. You should carefully review those affiliate websites’ respective terms of use before accepting any of their offers.

As we do not have control over non-MYCS websites, you should take the necessary precautions to protect yourself and your systems from viruses, worms, Trojan horses, and other items of a destructive nature. MYCS does not assume any responsibility for any damages that may result from exposure to such dangers on third-party websites.

6. Participation in the Promotions of Advertisers

Your correspondence with or participation in the promotions of advertisers found on this Website, including the delivery of and payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between you and the advertiser. You agree not to hold MYCS liable for any injury, loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on this Website.

7. Intellectual Property (Trademarks & Copyrights)

MYCS, the MYCS logo and the MYCS design are all the trademarks or trade dress of MYCS, and may not be used without express written permission from MYCS other than for attribution. All other trademarks not owned by MYCS that appear on this Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by MYCS.

MYCS-originated content included on the Website, such as text, graphics, logos, data compilations, software and the compilation of all content on the Website, is the property of MYCS and its licensers and protected by United States and international copyright laws. Except as set out in these TOS, no reproduction of any MYCS-originated content is permitted without written permission from MYCS.

8. Disclaimer

MYCS will submit the information you provide to a provider or suggest a provider. Providing your information on this Website does not guarantee that you will be matched with a provider. MYCS is not an agent, representative or broker of any provider and does not endorse or charge you for any service or product. For details, questions or concerns regarding your account with the provider, please contact the provider directly.

If you receive a call from anyone regarding a form you completed, it is NOT from MYCS. If you miss a call back regarding your application remember that the call did NOT come from MYCS. If you click a link on our Website to go to a provider form , you are leaving our site and going to theirs. We are not responsible for how the provider's websites use or retain your information. You should carefully review those websites’ respective terms of use and privacy policies before filing out a provider's form as those terms of use and privacy policies control the use of your information.

If you decide to do business with any of the providers on this website, merchants or loan institutions, you agree to forward all questions pertaining to their services to them, as their offers change periodically. We are not a lending institution or lawyers, and can only offer our personal advice. We can and will only answer questions pertaining to information listed on our website.

No person should rely or act upon information or materials available from this domain without seeking professional advice. None of the information contained on our website should be construed as legal advice. MYCS makes no claims to remove or erase any negative credit marks from your credit report. We can only show you ways that other people have been successful at doing so. Please note that all attempts to clean up credit, file bankruptcy, and/or obtain credit or loans may vary depending on the efforts and circumstances of each individual. The information provided, while believed to be accurate, may not be, and thus no action should be taken by you based upon any information provided herein without your own or a qualified professional's independent verification of the accuracy of the representations.

MYCS PROVIDES THIS WEBSITE AND SERVICES "AS IS" AND WITHOUT ANY WARRANTY OR CONDITION, EXPRESS, IMPLIED OR STATUTORY. MYCS SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, INFORMATION ACCURACY, INTEGRATION, INTEROPERABILITY OR QUIET ENJOYMENT. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

You understand and agree that you use MYCS at your own discretion and risk and that you will be solely responsible for any damages that arise from such use. UNDER NO CIRCUMSTANCES SHALL MYCS OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, OR ANY OTHER DAMAGES WHATSOEVER (HOWEVER ARISING, INCLUDING BY NEGLIGENCE), INCLUDING WITHOUT LIMITATION, DAMAGES RELATED TO USE, MISUSE, RELIANCE ON, INABILITY TO USE AND INTERRUPTION, SUSPENSION, OR TERMINATION OF THE WEBSITE OR SERVICES, DAMAGES INCURRED THROUGH ANY LINKS PROVIDED ON THE WEBSITE AND THE NONPERFORMANCE THEREOF AND DAMAGES RESULTING FROM LOSS OF USE, SALES, DATA, GOODWILL OR PROFITS, WHETHER OR NOT MYCS HAS BEEN ADVISED OF SUCH POSSIBILITY. YOUR ONLY RIGHT WITH RESPECT TO ANY DISSATISFACTION WITH MYCS SHALL BE TO TERMINATE USE OF MYCS. Some states do not allow the exclusion of liability for incidental or consequential damages, so the above exclusions may not apply to you.

10. Indemnity

You agree to indemnify and hold MYCS, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the MYCS in violation of this TOS and/or arising from a breach of this TOS and/or if your use of this Website causes MYCS to be liable to another.

These TOS shall be governed by and construed in accordance with the laws of the State of Michigan, excluding conflicts of law rules. You agree that, unless expressly waived by us, the exclusive jurisdiction for any claim or action arising out of or relating to these TOS or your use of MYCS shall be in the state or federal courts located in the County of Oakland, State of Michigan, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action. You agree to receive service of process through e-mail, certified mail or by other means sanctioned by law, and you expressly waive any claim of improper venue and any claim that such courts are an inconvenient forum. You also agree that in the event of any action to enforce or interpret these TOS, the prevailing party shall be entitled to collect its reasonable attorney fees.

Either MYCS or you may demand that any dispute between MYCS and you be settled by arbitration utilizing the dispute resolution procedures of the American Arbitration Association (AAA), provided that the foregoing shall not prevent MYCS from seeking injunctive relief in a court of competent jurisdiction.

If you have any question regarding this TOS, you can send an email to

I HAVE READ THIS AGREEMENT AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.