LAST MODIFIED ON MARCH 27, 2019
1. ACCEPTANCE OF TERMS
YOU MUST BE AT LEAST 18 YEARS OF AGE TO ACCESS AND USE THE SERVICES. IF YOU ARE YOUNGER THAN 18 YEARS OF AGE, DO NOT USE THE SERVICES FOR ANY PURPOSE.
The Agreement may be updated from time to time without notice to you. However, you can always find the latest version of the Agreement at https://crent.com/#!/public/terms-of-use .
2. DESCRIPTION OF SERVICES
Crent provides a service that allows you to build credit history through regular, on-time payments, by collecting and furnishing your bill payment data to be reported to the Credit Bureaus.
Crent makes commercially reasonable efforts to ensure the correct reporting of your bill payment data, by partnering with various third-party services that confirm your identity and correctly format and report the bill payment data to the Credit Bureaus.
However, Crent cannot guarantee the accuracy of data on your credit report, since Crent does not control the credit bureau’s data or other third parties involved in the process. Additionally, you understand that bill payment data may take as much as 6 months to show up on your credit report. You further understand and agree that Crent will report payment information accurately, irrespective of the positive or negative effect that such reporting may have on your credit report or credit score.
Crent is obligated to respond to disputes resulting from incorrect credit reporting on your credit report, under the Fair Credit Reporting Act (the “FCRA”). For more information on a consumer’s rights under the FCRA, please see our FCRA disclosures page .
Information on the Services is not intended to provide any legal, financial or other advice. Crent does not have any direct influence over the Credit Bureaus or any aspect of your credit score or the contents of your credit report.
Crent may add additional features to the Services from time to time. Those additional features will be subject to the terms of this Agreement, unless explicitly stated otherwise.
THE SERVICES ARE PROVIDED “AS IS” AND CRENT ASSUMES NO RESPONSIBILITY FOR TIMELINESS, MISDELIVERY, OR FAILURE TO STORE ANY COMMUNICATION, WRITING, OR SETTINGS.
3. YOUR BILL PAYMENT INFORMATION
Crent is legally obligated to use reasonable methods of authentication to verify your identity prior to reporting any bill payments. You agree to provide complete and accurate information about yourself as part of the account creation process, payment setup process, and throughout your use of the Services. You further agree to continually update this information where appropriate in order to ensure that your account information remains complete and accurate.
Additionally, all bill payments must be for payees that are US-based companies. Crent does not guarantee that all payees will be available for reporting. You will be notified if a payee is available during the setup process for that bill on the Services.
You hereby give Crent permission to access your bill payment information on a regular basis (but no less frequently than every 30 days), in order to furnish such information to the Credit Bureaus as described in Section 4.
YOU AGREE AND ACKNOWLEDGE THAT YOU DO NOT PAY YOUR BILLS THROUGH CRENT, NOR IS CRENT IN ANY WAY RESPONSIBLE FOR YOU PAYING YOUR BILLS. YOU MAY PAY YOUR BILLS BY CHECK, ONLINE, OR THROUGH ANY OTHER METHOD APPROVED BY THAT PARTICULAR PAYEE.
4. YOUR CREDIT REPORT
When you use the Service and allow Crent to report recurring bill payments to the Credit Bureaus, this creates a tradeline for that bill payment of a certain amount of time, usually a minimum of 6 months. Payments are expected to be reported to the Credit Bureaus until that tradeline is completed. You are SOLELY RESPONSIBLE for fulfilling any tradeline in your name. Failure to fulfill the term of the tradeline WILL RESULT IN A NEGATIVE IMPACT TO YOUR CREDIT SCORE.
Because of this, there may be no way to avoid the negative credit impact if you cease payment of that particular bill or stop using the service associated with that bill. You agree that Crent WILL NOT BE LIABLE to you for any failure to notify Crent for any reason if you are unable to pay recurring bill payments or complete an established tradeline, nor for any damage or negative impact on your credit score, FOR ANY REASON.
5. CREDIT REPORTING DISPUTES
In order to stay in compliance with the requirements of the FCRA, Crent will respond to disputes about the accuracy of reported information within the time frame required under the FCRA.
To report information on your credit report that you believe to be inaccurate, please do so using the designated dispute form on the Crent website or at our mailing address:
Attn: Compliance Department
16820 Ventura Blvd.
Encino, CA 91436
Note that Crent may only file disputes regarding bill payments and payees that are being furnished by Crent under the Services.
Disputes may also be made through the Credit Bureaus. For more information about your rights as a consumer under the FCRA, please visit our FCRA disclosures page .
6. PRIVACY STATEMENT
The collection and sharing of personal information is vital to our ability to provide the Services to you. That collection and sharing of personal information is subject to our Privacy Statement.
As a condition of using the Services, you agree that your use of the Services is subject to the Privacy Statement, as it may be changed from time to time. You can find our Privacy Statement, which is incorporated here by reference, at https://crent.com/#!/public/privacy-police .
7. FCRA COMPLIANCE
Failure to comply with the provisions of the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Any person who knowingly and willfully obtains a consumer credit report or score/disclosure under false pretenses may face criminal prosecution.
8. PROPRIETARY RIGHTS, TRADEMARKS AND COPYRIGHTS
You acknowledge and agree that the Services and any software used in connection with the Services (the “Software”) contain proprietary and confidential information that is the property of Crent and its licensors and is protected by applicable intellectual property and other laws. No rights or title of to any of the Software used in connection with any Services is provided, transferred, or assigned to you. You further acknowledge and agree that content contained in information presented to you through the Services is protected by copyright, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Crent, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Services or Software, in whole or in part. You also acknowledge Crent’s exclusive rights in the “Crent” trademark and service mark. Trademarks, service marks, logos, and copyrighted works appearing on the Services are the property of Crent or the party that provided such intellectual property to Crent. Crent and any party that provides intellectual property to Crent retain all rights with respect to any of their respective intellectual property appearing on the Services, and no rights in such materials are transferred or assigned to you.
9. RULES OF BEHAVIOR
By using the Services, you agree to the following Rules of Behavior:
- You must not post, upload or link to anything that harvests or otherwise collects information about other users, including email addresses.
- You must not upload or post anything that infringes any patent, trademark, copyright, trade secret or other intellectual property or other legal right of a third party without prior written permissions from the third party, which written permissions you agree to disclose to us at any time on our request.
- You must not impersonate another person or entity, which includes not using anyone else's username or password.
- You must abide by all Federal, State and local laws. If you are outside the United States you must comply with all local laws with respect to your use of the Services, as well as the export of data to the United States or to your country or residence.
- You must not transmit any viruses, worms, defects, Trojan Horses or any items or computer code, files, or programs of a destructive nature or otherwise designed to interrupt or limit the functionality of any computer software or hardware or telecommunications device, on or in the Services.
- You must not transmit or allow access or distribution of any spiders, robots or other information gathering computer programs or routines or their equivalents on or in the Services.
- You must not interfere with or disrupt the Services or servers or networks connected with the Services or disobey any requirements, procedures, policies or regulations of networks connected to the Services.
- You must not create member accounts under any false or fraudulent pretenses (including by automated means).
- You must not retrieve, store or collect personal information about other users for any unauthorized purpose.
- You must not use the Crent name or trademark, which you acknowledge here to be valid, subsisting, and enforceable without impediment, and you will not expressly or by implication create the false or misleading impression that Crent is associated with, or endorses, or is in any way connected with you or your business.
- You must not use the Services for any illegal or unauthorized purpose.
While Crent explicitly prohibits the above conduct, you acknowledge and agree that you may be exposed to such conduct and content and that you use the Services ENTIRELY AT YOUR OWN RISK, and that Crent has no liability of any kind of such conduct.
You understand and agree that if you violate any of the rules of behavior, CRENT CAN TERMINATE YOUR USE OF THE SERVICES IMMEDIATELY without prior notice and without any right of refund, setoff, or a hearing.
10. YOUR ACCOUNT SECURITY
In order to use certain aspects of the Services, you are required to register. Registered users are subject to the following specific terms in addition to all of the other terms in this Agreement:
In consideration of your use of the Services, you represent that you are of legal age to form a binding contract, which is eighteen (18) years of age in the United States, are a citizen of the United States, and are not a person barred from receiving Services under the laws of the United States or other applicable jurisdiction.
You agree to provide true, accurate, current and complete information as required on the Service's Registration Form and other parts of the Service. If you provide any information that is untrue, incomplete, not current or inaccurate, Crent has the right to suspend or terminate your account and refuse your current or future use of the Services (or any portion thereof).
You agree that Crent may, for any reason and without prior notice immediately terminate your account, any associated username and/or access to the Services. Cause for such termination includes, but is not be limited to: (1) a breach or violation of this Agreement or other Crent policies, guidelines or rules, (2) extended periods of inactivity, (3) your engagement in fraudulent or illegal activity, (4) unexpected technical or security issues, and (5) requests by law enforcement or other government agencies. You also agree that any termination is in Crent’s sole discretion and that Crent is not liable to you or any third party for any termination of your account, password, username, deletion of content or access to the Services.
You agree that your account is non-transferable and any rights to your account, password, username terminate upon your death.
You are responsible for any activities that take place under your username and password. If you become aware of any unauthorized use of your password or account, or any other breach of security, please contact Crent immediately. It is up to you to maintain the confidentiality of your password and account. Crent is not responsible or liable for any loss or damage arising from your failure to comply with the provisions of these terms.
If you choose to enable two-factor authentication for the security of your account, you agree to the following: (a) you will provide Crent with a valid and functioning phone number; (b) you give permission to Crent to send you prerecorded calls or text messages to the number that you have provided us. You consent to Crent calling or texting you for the purposes of allowing access to your Account if you lose your password, or as otherwise necessary to fulfill or enforce this Agreement or any other agreement between you and Crent.
11. COMMUNICATIONS FROM CRENT
By agreeing to the terms of this Agreement, Crent may contact you for any of the following, by example and not by limitation: information you provided in relation to the Services; responses to inquiries from you; billing and payment processing; promotions; or in requesting user feedback. This communication may be via email, phone, or text message at the contact information provided during Account registration.
12. THIRD PARTY SITES AND SERVICES
The Services or third parties may provide links to other websites, apps or resources (the “Linked Services”), which are not maintained by or related to Crent. Links to the Linked Services are provided as a service to our users and are not sponsored by, endorsed or otherwise affiliated with Crent. Crent has no control over these Linked Services and makes no representations or warranties about the content, completeness, quality or accuracy of any such Linked Service. Therefore, you acknowledge and agree that Crent is not responsible for the availability of such links, resources and the content contained with them, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials made available on or from these Linked Services. You also acknowledge and agree that Crent is not responsible or liable, directly or indirectly, for any damage or loss caused by or alleged to have been caused by or in relation to the use of any materials, goods or services offered through these Linked Services or any failures or disruption to your computer system or device that results from your use of any such Linked Services, or for any intellectual property or other third-party claims relating to your posting or using such Linked Services.
YOU AGREE THAT CRENT HAS THE RIGHT TO DISABLE ANY LINK ON THE SERVICES WITHOUT ANY NOTICE TO YOU.
13. MONITORING OF THE SITE
Crent has no obligation to monitor the Services. However, you acknowledge and agree that Crent has the right to monitor the Services and to disclose to any third party any information in order to operate the Services properly, to protect itself and its customers and to comply with legal obligations or governmental requests.
14. MODIFICATION AND TERMINATION OF THE SERVICES
Crent reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. You agree that Crent will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.
15. DISCLAIMER OF WARRANTIES
The use of the Services is at your sole risk. The Services are provided on an “as is” and “as available” basis.
CRENT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
CRENT MAKES NO WARRANTY THAT (1) THE SERVICES WILL MEET YOUR REQUIREMENTS, (2) THE SERVICES WILL BE UNINTERRUPTED, TIMELY SECURE, OR ERROR-FREE, (3) THE RESULTS OF USING THE SERVICES WILL BE ACCURATE OR RELIABLE, (4) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED THROUGH YOUR USE OF THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (5) THAT ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
ADDITIONALLY, CRENT SPECIFICALLY DISCLAIMS ANY WARRANTY THAT CRENT WILL BE ABLE TO ACCESS AND REPORT ANY BILL PAYMENT TO THE CREDIT BUREAUS AT ANY TIME.
No advice or information, whether oral or written, obtained by you from Crent or through or from the Services creates a warranty not expressly stated in this Agreement.
Because some states or jurisdictions do not allow the disclaimer of implied warranties, the foregoing disclaimer may not fully apply to you.
16. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT CRENT WILL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF CREDIT RATING, PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF CRENT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR SUCH DAMAGES WERE REASONABLY FORESEEABLE, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES, UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, STATEMENTS OR CONDUCT OF ANY THIRD PARTY INCLUDING ADVERTISERS, PAYMENT PROCESSORS, AND OTHER SERVICE PROVIDERS, THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES OR ANY OTHER MATTER RELATING TO THE SERVICES.
In no event will Crent be liable to you for any amount of money over One Hundred Dollars ($100.00), which you acknowledge to be a fair and reasonable sum.
Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, the liability of Crent and its affiliates will be limited to the fullest extent permitted by law.
17. PERSONALLY IDENTIFIABLE INFORMATION
18. DISCLOSURES REQUIRED BY LAW
Crent reserves the right at all times to disclose any information, including personally identifiable information about you, as necessary to satisfy any applicable law, regulation, legal process or governmental request. Crent may fully cooperate with any law enforcement authorities or court order requesting or directing Crent to disclose the identity of anyone posting any materials, or publishing or otherwise making available any materials that are believed to violate this Agreement.
BY ACCEPTING THIS AGREEMENT YOU WAIVE ALL RIGHTS AND AGREE TO HOLD CRENT HARMLESS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CRENT DURING OR AS A RESULT OF ITS INVESTIGATIONS OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CRENT OR LAW ENFORCEMENT AUTHORITIES.
19. DISPUTE RESOLUTION AND GOVERNING LAW
This Agreement is governed by, and will be construed under, the laws of the United States of America and the law of the State of California, without regard to conflict of law principles. Except as provided in Section 19 below (and claims proceeding in any small-claims court), all disputes arising out of or related to your use of the Services are subject to the exclusive jurisdiction of the state and federal courts located in the County of Los Angeles, California and you agree to submit to the personal jurisdiction and venue of such courts. You are responsible for compliance with all local laws if and to the extent local laws are applicable.
20. BINDING ARBITRATION
(a) Arbitration Procedures. You and Crent agree that, except as provided in Section (d) below, all disputes, controversies and claims related to this Agreement (each a “Claim”), will be finally and exclusively resolved by binding arbitration, which may be initiated by either party by sending a written notice requesting arbitration to the other party. Any election to arbitrate by one party will be final and binding on the other. The arbitration will be conducted under the Streamlined Arbitration Rules and Procedures of JAMS that are in effect at the time the arbitration is initiated (the “JAMS Rules”) and under the terms set forth in this Agreement. In the event of a conflict between the terms set forth in this Binding Arbitration Section and the JAMS Rules, the terms in this Binding Arbitration Section will control and prevail.
Except as otherwise set forth in Section (d) below, you may seek any remedies available to you under Federal, state or local laws in an arbitration action. As part of the arbitration, both you and we will have the opportunity for discovery of non-privileged information that is relevant to the Claim. The arbitrator will provide a written statement of the arbitrator’s decision regarding the Claim, the award given and the arbitrator’s findings and conclusions on which the arbitrator’s decision is based. The determination of whether a Claim is subject to arbitration will be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Except as otherwise provided in this Agreement, (1) you and Crent may litigate in court to compel arbitration, stay proceedings pending arbitration, or confirm, modify, vacate or enter judgment on the award entered by the arbitrator; and (2) the arbitrator’s decision will be final, binding on all parties and enforceable in any court that has jurisdiction, provided that any award may be challenged if the arbitrator fails to follow applicable law.
BY AGREEING TO THIS ARBITRATION PROVISION, YOU UNDERSTAND THAT YOU AND CRENT WAIVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
(b) Location. The arbitration will be conducted in Los Angeles County, California, unless the parties agree to video, phone and/or internet connection appearances.
(c) Limitations. You and Crent agree that any arbitration will be limited to the Claim between Crent and you individually. YOU AND CRENT AGREE THAT (A) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS ACTION BASIS OR TO UTILIZE CLASS ACTION PROCEDURES; (B) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY OR AS A PRIVATE ATTORNEY GENERAL; AND (C) NO ARBITRATION WILL BE JOINED WITH ANY OTHER ARBITRATION.
(d) Exceptions to Arbitration. You and Crent agree that the following Claims are not subject to the above provisions concerning negotiations and binding arbitration: (i) any Claim seeking to enforce or protect, or concerning the validity of, any of your or Crent’s intellectual property rights; (ii) any Claim related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and (iii) any Claim for equitable relief. In addition to the foregoing, either party may assert an individual action in small-claims court for Claims that are within the scope of such court’s jurisdiction in lieu of arbitration.
(e) Arbitration Fees. If you initiate arbitration for a Claim, you will need to pay the JAMS arbitration initiation fee. If we are initiating arbitration for a Claim, Crent will pay all costs charged by JAMS for initiating the arbitration. All other fees and costs of the arbitration will be charged under the JAMS Rules.
(f) Severability. You and Crent agree that if any portion of this Section is found illegal or unenforceable (except any portion of Section (d)), that portion will be severed and the remainder of the Section will be given full force and effect. If Section (d) is found to be illegal or unenforceable, then neither you nor Crent will choose to arbitrate any Claim falling within that portion of Section (d) found to be illegal or unenforceable and such Claim will be exclusively decided by a court of competent jurisdiction within Los Angeles County, California, USA, and you and Crent agree to submit to the personal jurisdiction of that court.
21. MISCELLANEOUS TERMS
(b) No Waiver. The failure of Crent to exercise or enforce any right or provision of this Agreement will not operate as a waiver of such right or provision. Any waiver of this Agreement by Crent must be in writing and signed by an authorized representative of Crent.
(c) Severability. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties' intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect.
(d) Section Titles. The section titles in this Agreement are for convenience only and have no legal or contractual effect.
(e) No Partnership. Nothing contained in this Agreement constitutes either party as a partner, joint venturer, employee or agent of the other party, nor may either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each remain independent contractors responsible for its own actions.
Please report any violations of this Agreement to Crent, or direct any questions about this Agreement, to firstname.lastname@example.org .