You have requested to participate in the TSC RentalConnect service (the “Service”) provided by Tenant Screening Center, Inc. (“TSCI”). Your participation in the Service is subject to your acceptance of these terms and conditions. YOU MUST CAREFULLY READ AND AGREE TO ALL OF THE TERMS AND CONDITIONS, INCLUDING THE ARBITRATION PROVISION, BEFORE ENROLLING IN THE SERVICE. As a member of TSC RentalConnect, a consumer (“Report Subject”) may participate in the Service available through TSC RentalConnect, such as access to an abbreviated version of that consumer’s credit report with VantageScore credit score, eviction and criminal information (collectively “Tenant Screening Report”) and the ability to authorize TSCI to provide the Credit, Score, Eviction and Criminal Information to a user (“End User”) (collectively “Report and Score Service”). Additional services may be included in the Service in the future, and the registration and authentication information provided under this Agreement may be used in the provision of any such Service. Both Report Subject and End User, if any, agree to the applicable Terms and Conditions set forth herein.
These Terms and Conditions (“Terms and Conditions” or “Agreement”) apply to all: (a) the Service; (b) interaction by any means between you and TSCI regarding the Service; (c) your access to and use of the website located at www.tsci.com (“Service Website”); (d) your access to and use of credit resources, text, pictures, graphics, logos, button items, icons, images, works of authorship and other information and all revisions, modifications, and enhancements thereto (the “Content”); and (e) the resolution of all claims and disputes between us through arbitration. YOU AND TSCI UNDERSTAND AND AGREE THAT THE ARBITRATION PROVISION CONTAINED IN SECTION 22 PROVIDES THAT WE EACH AGREE TO RESOLVE ANY DISPUTES BETWEEN US THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW.
YOUR ORDER OF, USE OF, AND ACCESS TO, THE SERVICE, SERVICE WEBSITE AND CONTENT AND RESOLUTION OF DISPUTES BETWEEN US ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE SERVICE, SERVICE WEBSITE AND/OR CONTENT CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN, INCLUDING THE ARBITRATION PROVISION.
Upon executing this Agreement by clicking below to indicate your agreement and by ordering any Service, TSCI will provide you with the ordered Service in accordance with these Terms and Conditions.
TERMS AND CONDITIONS
1. REGISTERING FOR THE SERVICE
TSC RentalConnect is an online service in which once you are registered, an online account is created for you. To register for your account, you must provide us with your name, a valid address within the United States and an email address, and agree to be bound by these Terms and Conditions.
Because the Service provides access to credit reports and information, you must provide a valid Social Security number, your current address, and successfully pass authentication of your identity when requested by TSCI. You also must provide valid credit card information for any Service for which a fee is charged. You agree to provide true, accurate, complete and current information about yourself when prompted to do so by the registration form, authentication form or otherwise requested to do so by TSCI. By registering, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if TSCI has reasonable grounds to suspect that such information is untrue, inaccurate or not current, TSCI, at its sole discretion, has the right to suspend or terminate your order of, use of, and/or access to any Service, Service Website and/or Content, and refuse all current or future orders of, use of, and/or access to, any Service, Service Website and/or Content, or suspend or terminate any portion thereof. Further, you agree that TSCI will not be liable to you or any third party if TSCI suspends or terminates your order of, use of, or access to any Service, Service Website or Content, or any portion thereof, for any reason.
You agree not to share your Username or password with third parties. You agree to promptly notify TSCI at email@example.com of any unauthorized use of your account and any loss, theft or disclosure of your Username or password. Failure to comply with these requirements shall constitute a breach of this Agreement and shall constitute grounds for immediate termination of your account and the Service.
Upon agreeing to the Terms and Conditions, some consumers who order the Service will receive an email with a link to the TSC RentalConnect log-in page. Upon your registration with TSC RentalConnect or request for a Service, and periodically thereafter, you will be asked to authenticate your identity in a manner which includes but is not limited to credit report information, identifying information (e.g. name, address, social security number) that you provide and your responses to questions related to your credit report information.
You agree to receive email notifications, TSCI blog postings and its monthly newsletter. At any time you may opt out.
2. REPORT AND SCORE SERVICE
The Report and Score Service allows you to establish connections with third parties and authorize or request that they authorize the sharing of Tenant Screening Report. This Service will enable you as a Report Subject to (a) view your Tenant Screening Report ordered by you as a Report Subject, and (b) authorize and view your Tenant Screening Report viewed by End Users; or will enable you as an End User to view Tenant Screening Report about a Report Subject for which you have been authorized as an End User, for a limited time.
When instructed by Report Subject, Report Subject is authorizing TSCI to provide Report Subject’s Tenant Screening Report to End Users with whom Report Subject has successfully connected for up to thirty days from the date of the Report Subject’s most recent order for Tenant Screening Report (“Request Time”). Each End User may access the Report Subject’s then current Tenant Screening Report and subsequently view a copy of the Report Subject’s Tenant Screening Report during the remaining Request Time associated with the applicable order for Tenant Screening Report unless the Report Subject terminates (deletes, cancels, removes or declines) an End User’s connection, access request or view capability. When an End User accesses the Report Subject’s Tenant Screening Report, a copy of the Report Subject’s Tenant Screening Report will be posted to the End User’s and Report Subject’s accounts, and an update will be made to the VantageScore credit score on the Report Subject’s dashboard. Report Subject acknowledges and agrees that TSCI is not responsible for any actions or decisions made by any third parties with whom the Report Subject has agreed to share their Tenant Screening Report.
You may provide TSCI with the email addresses of consumers with whom you wish to connect. TSCI will send an invitation request to the email address provided by you which will include your name, email address and any text you provide. Your name and email address will be available to all third parties with whom you have or had a successful connection. You authorize TSCI to share your name and email address as described herein and required by the Report and Score Service. You agree to refrain from using any unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable comments. You acknowledge and agree that TSCI is not responsible for your or any third party’s comments in user generated messages that are transmitted by the Service.
3. REVIEW AND RECEIPT OF NOTICE TO USERS
By executing this Agreement, End User certifies that End User has read, understands and received the Notice to Users of Consumer Reports: Obligations of Users Under the FCRA (see Attachment #1).
4. FCRA CERTIFICATIONS
Report Subject understands and certifies that Report Subject is providing “written instructions” to TSCI in accordance with the Fair Credit Reporting Act, 15 U.S.C. Â§1681 et seq., as amended (“FCRA”) to access and use Report Subject’s credit report for (a) authenticating Report Subject’s identity, (b) providing Report Subject with a copy of Report Subject’s Tenant Screening Report, and (c) providing End Users with a copy of Report Subject’s Tenant Screening Report, upon Report Subject’s request or approval and for the duration of Report Subject’s use of the Service.
End User certifies that End User is a Landlord or Real Estate Agent who owns or commercially manages the real property being rented/leased and is using the Report Subject’s Tenant Screening Report for the purpose of tenant screening.
When requesting Tenant Screening Report as an End User, End User will request and use the Tenant Screening Report strictly in accordance with the Fair Credit Reporting Act. End User Certifies that End User’s Fair Credit Reporting Act, 15 U.S.C. Â§1681 et seq., permissible purpose is Section 604(a)(2). As instructed by the consumer in writing. For Tenant Screening Purposes at the written direction of the consumer to whom the report relates and no other purpose, and End User will not request, access or use the Tenant Screening Report on Report Subject for any other purpose.
END USER IS NOT AUTHORIZED TO REQUEST OR RECEIVE CONSUMER INFORMATION FOR ANY USE NOT OTHERWISE IDENTIFIED HEREIN, INCLUDING BUT NOT LIMITED TO CREDIT REPAIR, MARKETING AND EMPLOYMENT.
End User certifies that the use and related permissible purpose that End User designates will be accurate. End User certifies that for each written instruction of a consumer who is the subject of the Tenant Screening Report, such written instruction will expressly authorize End User to obtain the Tenant Screening Report and will contain at a minimum the consumer’s name, address, and signature. End User agrees to a limited one-time use of each consumer’s Tenant Screening Report.
End User acknowledges and agrees that TSCI, at its sole discretion, may require that End User submit to an additional membership review. End User understands that End User’s access to the Service may be suspended until such time as the End User’s membership review is complete and approved by TSCI.
END USER ACKNOWLEDGES THAT THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18 OR IMPRISONED NOT MORE THAN TWO YEARS OR BOTH.
5. POINT OF SALE CERTIFICATION
In compliance with Section 1785.14(a) of the California Civil Code, End User certifies to TSCI that End User is NOT a retail seller, as defined in Section 1802.3 of the California Civil Code, and does NOT issue credit to consumers who appear in person on the basis of applications for credit submitted in person.
You acknowledge that the Tenant Screening Report and/or data provided by or received by you may include personal information pertaining to individual consumers, and requires that the parties treat such information responsibly and take reasonable steps to maintain appropriate confidentiality and to prevent unlawful dissemination or misuse. You agree that the Service and Tenant Screening Report shall only be used as expressly authorized in this Agreement. You agree that under no circumstances will you sell, resell, disclose, or otherwise provide transfer of any Tenant Screening Report, or information contained in or derived from it, to any third party unless otherwise required by law.
7. COMPLIANCE WITH LAWS
You agree to and shall comply with all federal, state and local laws, rules, regulations and decisions applicable to your provision to TSCI of data and your use of the Tenant Screening Report and Service provided under this Agreement.
There are no fees or other charges to create an account on the Service Website.
Fees are $34.95 for each order Report Subject places for Report Subject’s Tenant Screening Report using the Service. Fees are subject to any applicable promotion for each Tenant Screening Report request. In certain jurisdictions sales or use tax at state and local rates may apply, in which case Report Subject may be charged the applicable taxes in addition to the fees for the Tenant Screening Report under the Report and Score Service.
Refunds will not be issued once we have successfully posted the Report Subject’s Tenant Screening Report to Report Subject’s account.
9. MODIFICATION OR TERMINATION OF SERVICE
TSCI may, at its discretion, modify or discontinue any Service, the Service Website or Content, or any portion thereof, with or without notice. You agree that TSCI will not be liable to you or any third party for any modification or discontinuance of any Service, the Service Website or Content.
10. UPDATED TERMS AND CONDITIONS
This Agreement may be updated from time to time. You should check the Service Website regularly for updates to these Terms and Conditions. Each time you order, access or use any Service, the Service Website, and/or Content, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement.
11. TERMINATION OF AGREEMENT
This Agreement may be terminated without cause by TSCI at any time upon notice by email to you. The email address for notice will be the then current email address in your account profile.
12. NOTICE OF PROSECUTION
Access to and use of password protected and/or secure areas of the Service Website are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Service Website may be subject to prosecution.
13. SECURITY MEASURES AND AUTHENTICATION
Because TSCI uses security measures designed to protect your privacy and to safeguard your information, TSCI may not always be able to successfully provide a Service to you. For example, when the system is unable to verify your identity, TSCI cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times.
14. PERSONAL INFORMATION
15. REVIEW AND RECEIPT OF PRIVACY NOTICE
16. ON-LINE REQUIREMENTS
You must have an email address and a Java-compatible browser such as Internet Explorer 7.0 or higher, Firefox 3.6 or higher, Safari 3 or higher, Chrome 3 or higher, or Opera 10.5 or higher to receive your Service. You are agreeing to receive all notifications via email at the email address on file with TSCI. To ensure receipt of all notifications, you are obligated to update the email address on file when your email address changes.
17. FCRA DISPUTES OF CREDIT REPORT INFORMATION
Accurate adverse information on Report Subject’s credit report cannot be changed. If Report Subject believes that the Report Subject’s Tenant Screening Report contains inaccurate or fraudulent information, it is Report Subject’s responsibility to contact TSCI to dispute information. Report Subject may request a consumer file disclosure at no charge within 60 days of ordering Report Subject’s Tenant Screening Report, by contacting TSCI at firstname.lastname@example.org. In any other situation, Report Subject may contact TSCI at email@example.com or 800-799-8861 for assistance at any time, which may be subject to applicable fees.
The Report and Score Service utilizes the VantageScore credit score. The VantageScore credit score may or may not be used by Report Subject’s lenders, and is not an endorsement or guarantee of Report Subject’s credit worthiness as seen by lenders.
Please be aware that there are many scoring models used in the marketplace. Each scoring model may have its own set of factors and scale. The information and credit scoring may be different than that used by a lender. The VantageScore credit score may not be identical in every respect to any other credit score produced by another company or used by Report Subject’s lender.
Report Subject’s VantageScore credit score is calculated using Report Subject’s actual data from Report Subject’s credit file on the day that you request Report Subject’s report. Keep in mind, however, that other factors, such as length of employment and annual salary, are often taken into consideration by lenders when making decisions about Report Subject. How each lender weighs their chosen factors may vary, but the exact formula used to calculate Report Subject’s score is proprietary.
Also note that each consumer reporting agency has its own set of data, resulting in a separate VantageScore credit score for each of Report Subject’s credit files.
You agree to request VantageScore credit scores only for your use alone for the purposes stated in these Terms and Conditions and for no other purpose or use. All VantageScore credit scores provided hereunder will be held in strict confidence and may never be sold, licensed, copied, reused, disclosed, reproduced, revealed or made accessible, in whole or in part, to any person except as required by law.
VantageScore; is owned by VantageScore Solutions, LLC.
19. NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT
TSCI offers access to services including an abbreviated version of a Report Subject’s consumer credit report, or VantageScore credit score. TSCI is not acting as a credit repair organization when providing Report Subject with the Service, and is not offering to sell, provide or perform any service to Report Subject for the express or implied purpose of either improving Report Subject’s credit record, credit history or credit rating or providing advice or assistance to Report Subject with regard to improving Report Subject’s credit record, credit history or credit rating. Report Subject acknowledges and agrees that Report Subject is not seeking to purchase, use, or access any of the Service, Service Website, and Content in order to do so.
20. NO WARRANTY BY TSCI
REPORT SUBJECT ACKNOWLEDGES THAT THE INFORMATION PROVIDED TO REPORT SUBJECT THROUGH THE SERVICE, AND THE REPORT SUBJECT’S TENANT SCREENING REPORT AND THE VANTAGE SCORE CREDIT SCORE, INCLUDING THE SCORE FACTORS DERIVED FROM THE ELEMENTS IN REPORT SUBJECT’S CREDIT REPORT, MAY CHANGE OVER TIME AS REPORT SUBJECT’S REPORT CHANGES. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE, SERVICE WEBSITE AND CONTENT IS AT YOUR SOLE RISK. ALL SERVICE, SERVICE WEBSITE AND CONTENT ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS. TSCI AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THE SERVICE, SERVICE WEBSITE, CONTENT OR OTHER MATERIALS YOU MAY RECEIVE FROM TSCI DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. TSCI MAKES NO WARRANTY THAT (I) THE SERVICE AND CONTENT ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR CONTENT WILL BE RELIABLE.
21. LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREE THAT TSCI WILL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE OF, OR INABILITY TO USE ANY SERVICE, THE SERVICE WEBSITE OR CONTENT, EVEN IF TSCI HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON TSCI, THEN YOU AGREE THAT TSCI’S TOTAL LIABILITY TO YOU FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM TSCI’S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE MONETARY AMOUNT, IF ANY, PAID BY THE APPLICABLE REPORT SUBJECT.
22. CLAIMS BY BINDING ARBITRATION
PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.
MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER’S SATISFACTION BY CONTACTING TSCI AT INFO@TSCI.COM REGARDING THE SERVICE, SERVICE WEBSITE OR CONTENT. IN THE UNLIKELY EVENT THAT TSCI IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE TO YOUR SATISFACTION (OR IF TSCI HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION. WE ALSO AGREE THAT ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR, NOT A COURT. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. HOWEVER, IN ARBITRATION, BOTH YOU AND TSCI WOULD BE ENTITLED TO RECOVER ATTORNEYS’ FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT.
(a) TSCI and you agree to arbitrate all disputes and claims between us, except any disputes or claims which under governing law are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims subject to arbitration to the fullest extent permitted by law. It includes, but is not limited to:
claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising); claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this Agreement.
We also agree that any controversy concerning whether a dispute or claim is arbitrable shall be determined by the arbitrator, not a court, including the scope, applicability, validity, enforceability, interpretation, or formation of this arbitration provision as well as the Agreement’s other terms and conditions, and any claim that all or any part of this arbitration provision or Agreement is void or voidable.
For purposes of this arbitration provision, references to “TSCI,” “you,” and “us” shall include our respective parent entities, subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of services, products or information under this or prior Agreements between us.
Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and TSCI are each waiving the right to a trial by jury and the right to participate in a class action. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of this Agreement.
(b) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to TSCI should be addressed to: TSCI, 6570 Oakmont Drive, Suite B, Santa Rosa, CA 95409 (“Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If TSCI and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or TSCI may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by TSCI or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or TSCI is entitled.
(c) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address. The arbitrator shall be bound by the terms of this Agreement. Unless TSCI and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Except as otherwise provided for herein, TSCI will pay all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b), then the payment of all such fees will be governed by the AAA Rules. In such case, you agree to reimburse TSCI for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules.
(d) The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the AAA Rules.
(e) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.
(f) YOU AND TSCI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and TSCI agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If this specific subparagraph (f) is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.
23. DATA AND INTELLECTUAL PROPERTY OWNERSHIP
You acknowledge that TSCI has expended substantial time, effort and funds to create and deliver the Service and compile its various databases. All data in TSCI’s databases and any other intellectual property that are part of the Service are and will continue to be TSCI’s exclusive property. Nothing contained in this Agreement shall be deemed to convey to you or to any other party any ownership interest in or to intellectual property or data provided in connection with the Service.
You acknowledge and agree that the name Tenant Screening Center, Inc., the TSCI and TSC RentalConnect Logo, and other terms, phrases, graphics, logos, and icons are common law or registered trademarks, service marks, and/or trade dress of TSCI (collectively “Marks”). You agree you will not use any such Content or Marks for any purpose without the appropriate prior written authorization. TSCI’s Marks may not be used in connection with any product or service that is not TSCI’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits TSCI. VantageScore is owned by VantageScore Solutions, LLC. All other trademarks, names, or logos not owned by TSCI that appear on this Service Website are the property of their respective owners.
All Content included on this Service Website, such as text, graphics, logos, button items, icons, images, data compilation, is the property of TSCI or its suppliers and is protected by United States and international copyrights laws. All software used on this site is the property of TSCI or its software suppliers and is protected by United States and international copyright laws. Reproduction of such content, in whole or in part, is prohibited without prior consent.
No failure on the part of either party to enforce any covenant, agreement, or condition of this Agreement shall operate as a discharge of such covenant, agreement, or condition, or render the same invalid, or impair the right of either party to enforce the same in the event of any subsequent breach by the other party.
TSCI will have the right to audit your use of the Service to assure compliance with the terms of this Agreement. You will be responsible for assuring full cooperation with TSCI in connection with such audits and will provide TSCI access to such properties and records as TSCI may reasonably require for such purpose.
You acknowledge and agree that TSCI may assign or transfer its rights and obligations under this Agreement to any third party. Any assignment or transfer shall not entitle you to any change in terms or refunds.
29. GOVERNING LAW
The interpretation and enforcement of the arbitration provision contained in Section 22 of this Agreement is governed by the Federal Arbitration Act. This Agreement shall otherwise be governed by, construed and enforced in accordance with the laws of the State of California without giving effect to any principles of conflicts of law.
This Agreement shall be deemed to be severable and, if any provision is determined to be void or unenforceable, then that provision will be deemed severed and the remainder of the Agreement will remain in effect. The foregoing does not apply to Section 22(f) of this Agreement; if Section 22(f), or any portion thereof, is found to be unenforceable, the arbitration clause (but only the arbitration clause) shall be null and void.
31. FORCE MAJEURE
TSCI shall not be liable by reason of any failure or delay in the performance of its obligations hereunder due to any reason beyond its reasonable control.
32. ENTIRE AGREEMENT
This Agreement and any related transactions entered into electronically will be deemed to be “in writing” and to have been “signed” by you with the same effect as a manual signature (and any electronic record of such Agreement entered into online will be deemed to be “in writing.”)
Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
- You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
- You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
- a person has taken adverse action against you because of information in your credit report;
- you are the victim of identity theft and place a fraud alert in your file;
- your file contains inaccurate information as a result of fraud;
- you are on public assistance;
- you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
- You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
- You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
- Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
- Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
- Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
- You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
- You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
- The following FCRA right applies with respect to nationwide consumer reporting agencies:
Consumers Have the Right To Obtain a Security Freeze
You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
- You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
- Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact:
A Summary of Your Rights Under California Civil Code 1786.22
(a) An investigative consumer reporting agency shall supply files and information required under Section 1786.10 during
normal business hours and on reasonable notice.
(b) Files maintained on a consumer shall be made available for the consumer’s visual inspection, as follows:
– In person, if he appears in person and furnishes proper identification. A copy of his file shall also be available to
the consumer for a fee not to exceed the actual costs of duplication services provided.
– By certified mail, if he makes a written request, with proper identification, for copies to be sent to a specified
addressee. Investigative consumer reporting agencies complying with requests for certified mailings under this
section shall not be liable for disclosures to third parties caused by mishandling of mail after such mailings leave
the investigative consumer reporting agencies.
– A summary of all information contained in files on a consumer and required to be provided by Section 1786.10
shall be provided by telephone, if the consumer has made a written request, with proper identification for telephone disclosure, and the toll charge, if any, for the telephone call is prepaid by or charged directly to the
(c) The term “proper identification” as used in subdivision (b) shall mean that information generally deemed sufficient to
identify a person. Such information includes documents such as a valid driver’s license, social security account number,
military identification card, and credit cards. Only if the consumer is unable to reasonably identify himself with the
information described above, may an investigative consumer reporting agency require additional information concerning
the consumer’s employment and personal or family history in order to verify his identity.
(d) The investigative consumer reporting agency shall provide trained personnel to explain to the consumer any
information furnished him pursuant to Section 1786.10.
(e) The investigative consumer reporting agency shall provide a written explanation of any coded information contained in
files maintained on a consumer. This written explanation shall be distributed whenever a file is provided to a consumer for
visual inspection as required under Section 1786.22.
(f) The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable
identification. An investigative consumer reporting agency may require the consumer to furnish a written statement
granting permission to the consumer reporting agency to discuss the consumer’s file in such person’s
Resumen de sus Derechos bajo el Código Civil 1786.22 En California
(A) Una agencia de reporte del consumidor investigativo deberá proporcionar los archivos y la información requerida bajo la Sección 1786.10 durante el horario normal y con un preaviso razonable.
(B) Archivos mantenidos sobre un consumidor deberá estar disponible para la inspección visual del consumidor, de la siguiente manera:
– Personalmente, si aparece en persona y proporciona una identificación apropiada. Una copia de su expediente estará también a disposición del consumidor por un precio no superior a los costos actuales de servicios proveídos para duplicación.
– Por correo certificado, si se hace una solicitud por escrito, con identificación propia, para las copias que se enviarán a un destino especifico. Las agencias de reporte del consumidor investigativo que cumplan con las solicitudes de envíos certificados bajo esta sección no serán responsables por la divulgación a terceros que resulten por mal manejo de dichos correos después de dejar las agencias de investigación del consumidor.
– Un resumen de toda la información contenida en los archivos de un consumidor y requiere que se facilite bajo la Sección 1786.10 se facilitará por teléfono, si es que el consumidor hizo una solicitud por escrito con la identificación apropiada para obtener dicha información por medio telefónico, y en caso de que el consumidor llame por teléfono por cobrar a la agencia de informes del consumidor investigativas, los cargos serán transmitidos directamente al consumidor.
(C) El término “identificación adecuada” tal como se utiliza en la subdivisión (b), se entenderá que la información generalmente se considera suficiente para identificar a una persona. Dicha información incluye documentos tales como licencia de conducir válida, su número de seguro social, tarjeta de identificación militar, y las tarjetas de crédito. Sólo si el consumidor no puede identificarse razonablemente con la información descrita anteriormente, puede una agencia de reporte del consumidor investigativo requerir información adicional sobre el empleo del consumidor y de la historia personal o familiar con el fin de verificar su identidad.
(D) La agencia de reporte del consumidor investigativo deberá proporcionar personal capacitado para explicar al consumidor toda la información proporcionada al consumidor conforme a la Sección 1786.10.
(E) La agencia de reporte del consumidor investigativo deberá presentar una explicación por escrito de cualquier información codificada contenida en los archivos mantenidos en un consumidor. Esta explicación escrita se distribuye cada vez que un archivo se proporciona a un consumidor por inspección visual como se requiere bajo la Sección 1786,22.
(F) El consumidor se le permitirá ir acompañado de otra persona de su elección, que deberá presentar una identificación razonable. Una agencia de informes del consumidor de investigación puede requerir que el consumidor presente una declaración por escrito dando permiso a la agencia de informes del consumidor para discutir el expediente del consumidor en presencia de esa persona.