Terms of Use Credit Score

Terms of Use Credit Score

1. Services

When we refer to our “Services,” we mean all products and services owned and operated by Shop Your Own Mortgage, Corp. or any of its affiliated companies (collectively, “Shop Your Own Mortgage,” “we,” or “us”), including the content, features, tools, data, software and functions made available by Shop Your Own Mortgage through www.syomortgage.com, our mobile applications, and other websites or applications we operate, unless those websites or applications have posted separate or additional terms of service. As of the effective date of these terms, our Services include the following key features:

  • Free Credit Score. We provide you with free credit scores during the application process.
  • Insights and Education. We use our experience to provide you with content and resources so that you can be prepared for getting a mortgage and buying a home.

We reserve the absolute and discretionary right to make changes to how we provide our Services, including adding, modifying existing services, or suspending, or terminating your access to any or all portions of our Services.

2. Your Shop Your Own Mortgage Account
2.1 General Requirements

You will need to register for a Shop Your Own Mortgage member account to access many aspects of our Services, like your free credit scores, and services from our partners. Registering for a member account is optional, but if you do not register for an account, you will not be able to access certain aspects of our Services.

By registering for a Shop Your Own Mortgage member account, you certify that:

  • You’re 18 years of age or older
  • You have a valid U.S. Social Security number
  • Any information you provide to us is true, accurate, current and complete
  • You’re only registering to use the service for yourself
  • You will keep all information up-to-date

Also you must not sell, transfer, or assign your account to anyone else. You must keep your password confidential, you must not share it and you may not allow anyone else to log into our Services as you. You are responsible for all activities that occur under your member account.

2.2 Specific Registration Consents

When you register as a member, you authorize us to create and maintain an account in your name using your account registration information and other information that may be collected about you in accordance with our Privacy Policy as part of providing our Services (collectively, such information is your “Member Profile.”). By registering, you also specifically consent to let us request and receive your consumer report data and other data about you from third parties to include in your Member Profile as follows:

I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Shop Your Own Mortgage or its affiliated companies to request and receive copies of consumer reports, scores and other information about me from third parties, including, but not limited to, TransUnion and Equifax. I understand that my instructions let Shop Your Own Mortgage and affiliated companies obtain such information at any time for as long as I have a registered Shop Your Own Mortgage account to use as described in the Terms of Service and Privacy Policy.

3. Limitations and Restrictions on Use of Our Services
3.1 Analysis and Estimates

As described in our Privacy Policy, we may use your credit report, credit score, and other information we obtain to analyze, sort, and present certain information or features to you.

Any analysis and estimates we provide as part of our Services are for illustrative and informational purposes only. Also our analysis and estimates are based on certain assumptions and use only the data we have. Our analysis and estimates are neither endorsed by, nor commissioned by, any of our partners. The methodology we use to determine which offers, analysis, or other information is presented or highlighted is proprietary and we may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole and absolute discretion.

3.2 Third Party Offers

With respect to offers from our partners, we do not guarantee that you will be presented with offers for any particular types of products or services or that you will meet the approval criteria for any particular offer. It is always your choice whether to apply for a product or service offered by our partners and we will never submit an application for a product or service to a partner on your behalf without your consent.

3.3 Educational Purposes

All information on our Services is presented for educational purposes only. Also we do not guarantee that the information we present as part of our Services, including credit report or credit score information, is the same information that may be used or reviewed by a third party to assess your creditworthiness or eligibility for any particular product or service or for employment.

3.4 Not a Legal or Professional Advisor

Shop Your Own Mortgage is not a credit repair organization, or financial or legal advisor as defined under federal or state law. Use of our Services is not a replacement for personal, professional advice or assistance on your credit history or fixing your credit rating.

Copyright © Shop Your Own Mortgage 2019. All Rights Reserved. FSCO License #: 13040 NMLS ID: 1635517
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