Terms of Service

1. Acceptance of Terms

By accessing or using the MyScoreMonitor.com website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you should not access or use the Site.

2. Services Provided

MyScoreMonitor.com is a free credit score monitoring service offering features such as monthly credit score updates via SMS text message, email, or both, fraud alerts, tips on improving your credit score, and identity theft monitoring.

3. Data Privacy and Security

We value your privacy and are committed to protecting your personal information. We do not sell or rent your data to third parties. Your personal information is used solely for providing the services offered on the Site. We implement industry-standard security measures to protect your data from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of all data at rest and in transit, multi-factor authentication for access to sensitive data, and regular security audits and penetration testing. For more information, please review our Privacy Policy.

4. User Conduct

When using the Site, you agree to provide accurate and complete information about yourself, keep your password confidential, and not share it with anyone. You also agree to use the Site only for its intended purpose, refrain from engaging in any illegal or unethical activities on the Site, and comply with all applicable laws and regulations.

5. Limitations of Liability

MyScoreMonitor.com is not liable for any damages, including but not limited to damages caused by unauthorized access to your account, errors or inaccuracies in the credit score information provided, delays or failures in providing the services, and any indirect, consequential, or punitive damages.

6. Indemnification

You agree to indemnify, defend, and hold harmless MyScoreMonitor.com, its employees, and its agents from any claims, liabilities, losses, damages, and expenses, including reasonable attorney's fees, arising from or related to your use of the Site.

7. Modifications to Terms

MyScoreMonitor.com reserves the right to modify these Terms at any time. We will notify you of any changes by posting the updated Terms on the Site. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

9. Entire Agreement

These Terms constitute the entire agreement between you and MyScoreMonitor.com regarding the use of the Site. Any prior agreements or communications are superseded by these Terms.

10. Contact Us

If you have any questions or concerns about these Terms, please contact us at:

11. User Account Responsibility

Users are responsible for maintaining the confidentiality of their account information, including their password, and for all activities that occur under their account. MyScoreMonitor.com will not be liable for any loss or damage arising from your failure to comply with this obligation.

12. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by MyScoreMonitor.com. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that MyScoreMonitor.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

13. Termination

We reserve the right to terminate or suspend your account and access to the Site, without prior notice or liability, for any reason whatsoever, including but not limited to a breach of these Terms. Upon termination, your right to use the Site will immediately cease.

14. Disclaimer of Warranties

The services provided by MyScoreMonitor.com are on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the availability, accuracy, or reliability of the Site or the services provided. We do not warrant that the Site will meet your requirements or that the operation of the Site will be uninterrupted or error-free.

15. Changes to the Site

MyScoreMonitor.com reserves the right to modify or discontinue, temporarily or permanently, the Site or any services provided through the Site, with or without notice. You agree that MyScoreMonitor.com shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or any services.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

17. No Waiver

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of MyScoreMonitor.com to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18. SMS Terms and Conditions

Description

My Score Monitor is a credit monitoring service that helps users track and protect their credit health. When you opt in to receive SMS notifications, you will receive text messages containing credit score updates, fraud alerts, identity theft warnings, and tips for improving your credit score. The goal of our SMS program is to help you stay informed about changes to your credit status and take immediate action when needed. All messages are created, managed, and controlled by My Score Monitor LLC, ensuring that the content is focused on credit monitoring and does not include unrelated promotional or marketing material.

Message Frequency

The frequency of messages may vary based on your credit activity and account settings. You may receive notifications for credit score updates, fraud alerts, and other important account information. Message frequency may vary.

General SMS Terms

Opt-In Information:

By opting in to receive SMS notifications from My Score Monitor, you understand and agree to the following:

• Message and Data Rates: Message and data rates may apply to each text message sent or received as determined by your mobile carrier.
• Voluntary Participation: Subscription to SMS notifications is not required to use the credit monitoring services provided by My Score Monitor.
• Opt-out Option: You can unsubscribe from SMS notifications at any time by texting 'STOP' to the number from which you receive messages. For assistance, text 'HELP' to receive support information.
• Privacy Commitment: Your phone number will be used exclusively for delivering credit monitoring notifications and will not be shared with third parties for marketing purposes. For more details, please review our Privacy Policy.
• Terms Agreement: By opting in, you acknowledge and consent to My Score Monitor's Terms of Service and Privacy Policy.

Opt-Out Information:

You can cancel SMS notifications at any time by texting "STOP" to the number from which you receive messages. After you send "STOP", we will send you a confirmation message to verify that you have been unsubscribed from SMS notifications. After unsubscribing, you will no longer receive SMS messages from us unless you opt in again. If you wish to rejoin, simply sign up as you did initially or reply "START" to resume receiving notifications.

Contact Information:

If you have any questions about these SMS Terms and Conditions, please contact us at:

By using MyScoreMonitor.com and its Services, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.