• Verifiable Certifications

    Click to verify BBB accreditation and to see a BBB report. Trust E
  • Terms and Conditions

    Effective February 27, 2009

    Consumer Disclosures

    ACCEPTANCE OF TERMS

    These Terms and Conditions ("Terms and Conditions" or "Agreement") apply to all: (a) transactions between you and Home-Account and (b) all transactions through the www.home-account.com website, and (c) and your access to and use of calculators, graphs, 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").

    YOUR ORDER OF, USE OF, AND ACCESS TO, THE PRODUCTS, PRODUCT WEBSITES AND CONTENT ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE PRODUCTS, PRODUCT WEBSITES AND/OR CONTENT CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ORDER, USE OR ACCESS ANY PRODUCT, PRODUCT WEBSITE OR CONTENT, OR ANY OF THE INFORMATION WITHIN THE PRODUCT, PRODUCT WEBSITE, OR CONTENT, DISCARD THE PRODUCTS YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER SERVICE TO CANCEL YOUR MEMBERSHIP.

    This Agreement may be updated from time to time. Online customers should check the Product Websites regularly for updates to these Terms and Conditions. Each time you order, access or use any of the Products, Product Websites, and/or Content, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement.

    USE OF THE PRODUCTS

    In consideration of your order of, access to, and/or use of any Product, Product Website, and/or Content you agree to provide true, accurate, complete and current information about yourself an in any Product, when prompted to do so by the registration and application forms or requested to do so by Home-Account. 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 Home-Account has reasonable grounds to suspect that such information is untrue, inaccurate or not current, Home-Account, at its sole discretion, has the right to suspend or terminate your order of, use of, and/or access to, any Product, Product Website and/or Content, and refuse all current or future use of, and/or access to, any Product, Product Website and/or Content, or suspend or terminate any portion thereof. Further, you agree that Home-Account will not be liable to you or any third party if Home-Account suspends or terminates your order of, use of, or access to any Product, Product Websites or Content, or any portion thereof, for any reason.

    You understand and agree that by submitting your order you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for Home-Account to obtain information from your personal credit profile from Experian or any other credit reporting company and to obtain information from the personal credit profile. You authorize Home-Account to access your credit profile to verify your identity, access your credit, and to provide credit monitoring. You also authorize Home-Account to access your credit profile to perform other functions related to providing the product(s) that you have ordered or may order, including to verify your identity or any certification that you may be required to make.

    ARBITRATION

    YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND HOME-ACCOUNT, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR. ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT ("FAA"). NEITHER YOU NOR HOME-ACCOUNT SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.

    FCRA DISCLOSURES

    The Fair Credit Reporting ACT allows you to obtain a disclosure from every credit reporting agency of the nature and substance of all information in your file at the time of the request. Full disclosure of information in your file at Experian must be obtained by going to www.experian.com. The credit report you are requesting from Home-Account is not intended to constitute the disclosure of Experian information required by the Fair Credit Reporting Act or similar state laws.

    You are entitled to receive a disclosure directly from the consumer reporting agency free of charge under the following circumstances:

    • You have been denied credit, insurance or employment in the past (60) days as a result of your credit report
    • You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
    • You are a recipient of public welfare assistance
    • You have reason to believe that your file at the agency contains inaccurate information due to fraud
    • Annually at www.annualcreditreport.com

    Otherwise, the consumer reporting agency may impose a reasonable charge for the disclosure.

    The Fair Credit Reporting Act permits you to dispute inaccurate or incomplete information in your credit file. You understand that accurate information cannot be changed.

    You do not have to purchase your credit report or other information from Home-Account to dispute inaccurate or incomplete information in your Experian file or to receive a copy of your Experian consumer credit report. Home-Account is considered a Credit Reporting Agency, and as such you may request Home-Account to help you correct inaccurate information. Home-Account can be reached at 877-398-6970 or via email at support@home-account.com.

    Experian's National Consumer Assistance Center provides a proprietary consumer disclosure that is different from the consumer credit report provided by Home-Account. The disclosure report must be obtained directly from Experian. Consumers residing in the States of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive a free copy of their consumer credit report once per year and residents of the State of Georgia may receive two copies per year.

    Fraud Alerts are available to any eligible consumers—free of charge—from a national consumer reporting agency.

    MODIFICATION OF PRODUCTS

    Home-Account may, at its discretion, modify or discontinue any of the Products, Product Websites or Content, or any portion thereof, with or without notice. You agree that Home-Account will not be liable to you or any third party for any modification or discontinuance of any of the Products, Product Websites or Content.

    NOTICE OF PROSECUTION

    For online customers, access to and use of password protected and/or secure areas of the Product Websites are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Product Websites may be subject to prosecution.

    Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.

    SECURITY MEASURES AND AUTHENTICATION

    Because Home-Account uses security measures designed to protect your privacy and to safeguard your information, Home-Account may not always be able to successfully provide Products to you, including instant online delivery of your credit report for online customers. For other products, Home-Account cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times.

    PERSONAL INFORMATION

    Home-Account may use your personal information to the extent necessary to process your order and/or engage in business maintenance.

    REVIEW AND RECEIPT OF PRIVACY NOTICE

    By submitting your order, you acknowledge receipt of our Privacy Notice and agree to its terms.

    LIMITATION OF LIABILITY

    YOU UNDERSTAND AND AGREE THAT HOME-ACCOUNT 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, OR INABILITY TO USE THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR MEMBERSHIP BENEFITS, OR FROM YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEB SITE (IF APPLICABLE), EVEN IF HOME-ACCOUNT 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 HOME-ACCOUNT, THEN YOU AGREE THAT HOME-ACCOUNT'S TOTAL LIABILITY TO YOU FOR ANY OR ALL OF YOUR LOSSES OR INJURIES FROM HOME-ACCOUNTS ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO HOME-ACCOUNT FOR THE PRODUCT(S) YOU PURCHASE FROM HOME-ACCOUNT

    NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

    Home-Account offers access to your credit report and other credit information. Home-Account is not a credit repair organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Products, Product Websites, and Content in order to do so.

    Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Home-Account is considered a Credit Reporting Agency, and as such you may request Home-Account to help you correct inaccurate information. Home-Account can be reached at 877-398-6970 or via email at support@home-account.com. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are members of the credit score monitoring product.

    REGISTERING FOR ANY PRODUCT

    To purchase any Product, you must have an address within the United States, provide a valid Social Security number, address, email address and date of birth and agree to be bound by these Terms and Conditions. In other limited circumstances, you may need to provide a valid telephone number so that Home-Account can process your order. You must provide valid credit card information. Home-Account will then evaluate your complete registration information.