myFICO® Forums Terms of Service
"Posting" means, but is not limited to, any text, links, images, communications, opinions, software, data, and any other content any person provides on myFICO Forums, including, but not limited to message boards, chats, blogs, or otherwise. Your use of myFICO Forums, or any materials or services accessible through it, after a Posting or notification regarding modifications to the Terms constitutes your acceptance of those modifications. Your violation of any of the Terms may result in the suspension or termination of your access or use of myFICO Forums.
Using myFICO Forums
FICO Forums is intended to provide consumers with the opportunity to exchange useful and helpful information. myFICO does not read or review every posting; however, we may edit or remove any posting we consider, in our sole discretion, to violate the Terms or be inappropriate for myFICO Forums for any reason.
Users of myFICO Forums are responsible for exercising careful and appropriate judgment in evaluating and taking action based on other participants' postings on myFICO Forums, since such postings may reflect significantly different levels of knowledge and experience by participants. Users of myFICO Forums agree that myFICO is not responsible for the accuracy of the content of myFICO Forums and will not be liable for any damages incurred as a result of their use of any such content. Participants may post hypertext links to content hosted and maintained by third parties. myFICO has no obligation to monitor these linked sites, and is not responsible for them. Accessing any such linked sites is done entirely at the user’s own risk.
Posting to myFICO Forums
Users of myFICO Forums agree not to upload, post, or otherwise transmit any content (including but not limited to text, links, communications, software, images, sounds, data, or other information) that includes any of the following inappropriate content:
While registration is not required to read postings on myFICO Forums, users must register an account with myFICO in order to post to myFICO Forums.
myFICO may refuse to grant you, and you may not use, a user name that is already being used by someone else, belongs to or impersonates another person, violates the intellectual property or other rights of any person (including but not limited to trademark rights), is offensive, or that myFICO rejects for any other reason in its sole discretion. Participants agree that all information provided in a profile is accurate, up to date, and complete, and that it will be kept updated. myFICO may terminate your account if any of the information provided is found to be inaccurate, out of date, or incomplete.
As part of our data retention program the platform will automatically delete accounts deemed inactive. If you decide to return to the myFICO Forums after a period of inactivity, please note that you will need to create a new account.
myFICO reserves the right to manage the postings on myFICO Forums to provide an orderly presentation of this information. To more effectively manage myFICO Forums, myFICO may designate employees or third parties to act as moderators and administrators for myFICO Forums (“Moderators”). These Moderators are representatives of myFICO authorized to manage myFICO Forums. myFICO Forum
Users are asked to help myFICO keep myFICO Forums a valuable and enjoyable information resource for all participants by notifying us of any offending messages or other violations of these Terms. To advise us of such a posting, click the confidential “Report Abuse to a Moderator” link on the applicable post. Repeat offenders will be contacted by email and eventually banned from myFICO Forums. If violations are egregious in nature, we will contact the appropriate authorities.
Modification and discontinuance of myFICO Forums
myFICO reserves the right at any time to delete, modify, suspend, or discontinue, temporarily or permanently, myFICO Forums (or any part of myFICO Forums, including any postings) with or without notice. Users agree that myFICO will not be liable to users or third parties for any modification, suspension, or discontinuance of myFICO Forums.
A user’s privilege to utilize or access myFICO Forums may be terminated by myFICO immediately and without notice if the user fails to comply with any term or condition of the Terms. Upon such termination, the user must immediately cease accessing or utilizing myFICO Forums and agree not to re-register or otherwise make use of myFICO Forums. Furthermore, the user acknowledges that myFICO reserves the right to take action (technical, legal, or otherwise) to block, nullify, or deny the user’s ability to access myFICO Forums. The user understands and agrees that myFICO may exercise this right in its sole discretion.
Disclaimer of Warranties and Limitation of Liability
MOST OF THE CONTENT POSTED TO myFICO ForumS IS PROVIDED BY THIRD PARTIES NOT AFFILIATED WITH MYFICO. THIRD-PARTY CONTENT IS THE SOLE RESPONSIBILITY OF THE PERSON ORIGINATING THAT CONTENT. THE USER AGREES THAT MYFICO DOES NOT CONTROL, AND IS NOT RESPONSIBLE IN ANY WAY FOR, THIS THIRD-PARTY CONTENT. ADDITIONALLY, THE USER AGREES THAT MYFICO IS NOT LIABLE FOR, AND THE USER SHALL INDEMNIFY AND HOLD MYFICO, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES HARMLESS FROM ANY CLAIM, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY THIRD PARTY RELATING TO OR ARISING OUT OF CONTENT SUBMITTED, POSTED, TRANSMITTED, OR MADE AVAILABLE THROUGH myFICO ForumS, USE OF myFICO ForumS, VIOLATION OF THE TERMS OR VIOLATION OF ANY RIGHTS OF ANOTHER. THE CONTENT ON myFICO ForumS IS "AS IS" AND CARRIES NO WARRANTIES. MYFICO DOES NOT WARRANT OR GUARANTEE THE ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS, OR QUALITY OF ANY CONTENT ON myFICO ForumS, REGARDLESS OF WHO ORIGINATES THAT CONTENT. MYFICO DOES NOT WARRANT THAT myFICO ForumS IS SECURE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, OR OTHER LIMITATIONS. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOU BEAR ALL RISKS ASSOCIATED WITH USING OR RELYING ON THAT CONTENT. MYFICO IS NOT LIABLE OR RESPONSIBLE IN ANY WAY FOR ANY CONTENT POSTED ON OR LINKED FROM myFICO ForumS, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN CONTENT, OR FOR ANY LOSSES OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF OR RELIANCE ON ANY CONTENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MYFICO AND ITS REPRESENTATIVES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES RELATING TO LOSS OF BUSINESS, TELECOMMUNICATION FAILURES, LOSS, CORRUPTION, SECURITY OR THEFT OF DATA, LOSS OF PROFITS OR INVESTMENT, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, PRODUCT LIABILITY, OR OTHERWISE, EVEN IF MYFICO OR ITS REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE AGREEMENT BETWEEN MYFICO AND THE USER.
Updated by fico-admin on 8/7/2023