Credit Profile Terms of Use

Last updated September 21, 2023

Credit Profile (the "Service") is a service provided by LendingClub Bank, N.A ("LendingClub","we," "us," or "our"). By accessing or using the Service, you signify that you have read,understand, and agree to these Credit Profile Terms of Use. If you do not agree to these terms without limitation or exclusion, please discontinue your use of and access to the Service. These Credit Profile Terms of Use are effective immediately.

We reserve the right in our sole discretion to make changes to how we operate and provide the Service, including adding new services, modifying existing services, suspending, discontinuing, or terminating your access to any or all portions of the Service.

Eligibility

You must be a LendingClub member with an online account to access products or services provided by or through LendingClub or its affiliates, including products and services you obtained through the LendingClub platform.

In addition to the eligibility criteria set forth above and in LendingClub's general Terms of Use, you must meet certain eligibility criteria for functionality included in the Service. For example, functionality that relies upon information provided by third parties such as TransUnion Interactive, Inc. (“TransUnion”) may require that those third parties possess sufficient information about you to support such functionality. We reserve the right to refuse access to the Service at any time.

Accuracy of Information; Unauthorized Use

To the extent we request information from you in connection with your use of the Service, you agree to provide accurate information. You agree to notify TransUnion promptly of any unauthorized use of the Service and of any loss, theft, or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your right to access the Service.

Credit Information

Your credit score, score factors, and other credit information (collectively, “credit information”) provided through the Service use a VantageScore model and are based on the data obtained from TransUnion. You can use the Service and view your VantageScore Credit Score for free without impacting your credit score. Credit information, including the credit score, is updated on a monthly basis.

The Service can only evaluate the credit information that appears on your TransUnion consumer report. Accounts not reported to or subsequently deleted from your TransUnion consumer report will not be reflected in your score. LendingClub does not maintain your credit information and is not able to make any changes to it. If you believe that the reported credit information is inaccurate or incomplete, please contact TransUnion.

Informational Purposes

LendingClub provides the Service for informational purposes only. We intend for you to learn more about your credit score and the factors that impact it. We do not guarantee that the information we present as part of the Service, including credit report or credit score information, is the same information that may be used or reviewed by LendingClub or a third party to assess your creditworthiness or eligibility for any particular product or service or for employment.

No Professional Services Provided

LendingClub is not a credit counselor, credit repair organization, or financial advisor and the Service is not intended to be relied upon as financial advice. LendingClub does not provide credit repair services or advice or assistance with rebuilding or improving your credit history or credit score, or monitoring for specific events that may impact your credit information. Any analysis provided in connection with the Service is based on available data, which may not include all relevant information that you may wish to consider before making decisions. Use of the Service is not a substitute for individualized professional advice.

Neither LendingClub nor TransUnion can act on your behalf to dispute the accuracy of any information that appears in your credit report, except to the extent that such information was reported by LendingClub. Neither LendingClub nor TransUnion takes responsibility for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.

Use of Credit Information

The Service relies on your providing written instruction and authorization for LendingClub to obtain credit information about you from one or more consumer reporting agencies. This credit information will be utilized by LendingClub consistent with the LendingClub Privacy Policy and any credit profile authorizations that you have agreed to.

Changes to Credit Profile Terms of Use

We may make changes to these Credit Profile Terms of Use from time to time. If we do this, we will post the updated Credit Profile Terms of Use on the LendingClub website and will indicate the date the Credit Profile Terms of Use were last revised. You understand and agree that your continued use of the Service after we have made any such changes constitutes your acceptance of the new Credit Profile Terms of Use.

Cancellation

You may terminate your service with Credit Profile at any time by unenrolling on LendingClub’s website. Your cancellation will be effective after we have a reasonable time to process it. When you cancel, it does not affect the validity of any actions taken by us prior to your cancellation or while we are processing it. We may cancel or amend the terms of the product at any time for any reason.

Termination

We may terminate, suspend, discontinue, or limit your access to any or all portions of the Service at any time for any reason without prior notice. We may determine other eligibility criteria in our sole discretion.

No Warranty

WE PROVIDE ACCESS TO THE SERVICE, INCLUDING ITS CONTENT AND MATERIALS, “AS IS” AND “AS AVAILABLE” WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND. LENDINGCLUB, ON BEHALF OF ITSELF, ITS AFFILIATES AND ITS LICENSORS, SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES TO THE FULL EXTENT ALLOWED BY APPLICABLE LAW, INCLUDING WITHOUT LIMITATION ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OR THROUGH OUR SERVICE WILL CREATE ANY WARRANTY. YOUR USE AND ACCESS OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR SERVICE.

YOU ACKNOWLEDGE THAT LENDINGCLUB IS SOLELY AN INTERMEDIARY (I) BETWEEN YOU AND ANY CREDIT REPORTING AGENCY OR OTHER INFORMATION PROVIDERS ACTUALLY PROVIDING YOUR CREDIT INFORMATION; AND (II) BETWEEN YOU AND THIRD PARTIES WHOSE OFFERS WE MAY PRESENT. LENDINGCLUB EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN THE SERVICE, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY CREDIT INFORMATION, OFFERS, TOOLS OR ANALYSES AVAILABLE THROUGH THE SERVICE.

NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.

Limitation of Liability

NEITHER LENDINGCLUB NOR ANY OF ITS AFFILIATES, AGENTS, LICENSORS, AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EQUITY HOLDERS, EMPLOYEES OR REPRESENTATIVES (COLLECTIVELY, “LENDINGCLUB PARTIES”) SHALL BE LIABLE FOR DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR PENALTIES (INCLUDING DAMAGES FOR LOST PROFITS, LOST BUSINESS, LOST DATA, BUSINESS INTERRUPTION, AND THE LIKE), HOWEVER THEY MAY ARISE, INCLUDING BUT NOT LIMITED TO YOUR USE OF THIS SERVICE OR ANY OF LENDINGCLUB’S OTHER SERVICES, WHETHER FOR BREACH OR IN TORT, EVEN IF LENDINGCLUB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT AS REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL THE TOTAL LIABILITY OF LENDINGCLUB PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR ANY INABILITY TO USE ANY PORTION OF, THE SERVICE, OR OTHERWISE ARISING OUT OF OR RELATING TO THE CREDIT PROFILE TERMS OF USE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED IN THE AGGREGATE ONE HUNDRED UNITED STATES DOLLARS ($100.00).

Market Research

From time to time, you may be presented with a survey or other questions to solicit feedback about your use of the Service. Your participation in these types of market research activities is optional. Should you choose to participate, we may use information you provide to improve and/or develop our Service.

Trademark Information

Credit Profile and the other trademarks, logos, and service marks displayed on this web site (excluding those owned by TransUnion and VantageScore Solutions, LLC) are the trademarks of LendingClub, its affiliates or their respective third party owners. Under no circumstances may you alter, modify, or change these trademarks. You are prohibited from using these trademarks for any purpose without written permission.