Terms and Conditions for Credit Journey

Last updated: 12/16/19

Credit Journey is subject to Trans Union LLC’s (“TransUnion”) Terms of Use,

https://www.transunion.com/legal/terms-of-use. Use of Credit Journey is also subject to the

following additional Credit Journey Terms and Conditions, as amended from time to time. YOU

MUST ACCEPT THE TERMS AND CONDITIONS BELOW BEFORE YOU WILL BE PERMITTED

ACCESS TO CREDIT JOURNEY.

As used herein, the terms "Chase," "us," "we," or "our" mean JPMorgan Chase Bank, N.A., or any

affiliate, agent, service provider, independent contractor, designee, or assignee that we may, at

our sole discretion, involve in the provision of Credit Journey; "you" or "your" means the individual

that is the owner of an account.

When you use or access, or permit any other person(s) or entity to use or access Credit Journey,

you agree to these terms and conditions. We may amend or change these terms and conditions

from time to time, in our sole discretion, by sending you written notice by electronic mail, postal

mail or by posting the updated terms on the Credit Journey website. Please access and review

these terms and conditions regularly. If you find the terms and conditions unacceptable to you at

any time, please discontinue your use of Credit Journey (see cancellation section below). Your

use of Credit Journey after we have made such changes available will be considered your

agreement to the change.

Eligibility

You must be a U.S. resident or a resident of any territory or possession of the U.S. to use Credit

Journey. Also, you must be at least 18 years old. Credit Journey is available online at

https://creditcards.chase.com/free-credit-score provided that you have sufficient credit history in a

credit file with TransUnion to generate a VantageScore Credit Score and to provide credit report

information. Chase will use this information to provide you with the Credit Journey service and to

offer you other products from time to time. If TransUnion cannot match you with a credit report or

is otherwise unable to obtain your VantageScore Credit Score, you will not be able to use this

service until such time as you have built sufficient credit history. We reserve the right to refuse

access to Credit Journey at any time.

Registration and Accurate Information

If you choose to access Credit Journey, you will be required to provide personal information to

app, you will need to select a user name and password. You agree to provide accurate information

in your registration and not to share your password with third parties. You agree not to

impersonate another person or to select or use a user name or password of another person. You

agree to notify TransUnion Interactive, Inc. promptly of any unauthorized use of Credit Journey

and of any loss, theft or disclosure of your password. Failure to comply with these requirements

shall constitute a breach of these terms and conditions and shall constitute grounds for immediate

termination of your right to access Credit Journey.

Your Authorization to Chase to Obtain Your Credit

Information

By checking the Authorization box and clicking “I consent” during enrollment, you are providing

written instructions under the Fair Credit Reporting Act and other applicable laws, including similar

state laws, for TransUnion or any other consumer reporting agency to release your credit report

information, for example a VantageScore Credit Score or employment and income information

about you, to Chase upon Chase’s request at any time as long as you are enrolled in the Credit

Journey service. Chase will use this information to provide you with the Credit Journey service and

to offer you other products from time to time.

VantageScore Credit Score

The credit score provided is your VantageScore Credit Score, which is a model created by the

three major credit bureaus, Equifax Inc., Experian Information Solutions, Inc. and TransUnion.

VantageScore Credit Score predicts credit risk. Specifically, it measures the probability that a

person will pay his or her debts on time. There are many different credit scores in the marketplace

based on different models with different scoring ranges. The scores provided by Credit Journey

are for educational/informational purposes only. Credit Journey can only evaluate the account

information that appears on your TransUnion consumer credit report. Accounts not reported to or

subsequently deleted from your TransUnion consumer credit report will not be reflected in your

score. Credit Journey does not maintain your credit report information and is not able to make any

changes to it.

Your credit information will be presented to you by Chase in an easy-to-read format. We intend for

you to learn more about your credit score and the factors that impact it, but note that Chase and

TransUnion are not credit repair organizations as defined under federal or state law, including the

Credit Repair Organizations Act. Chase and TransUnion do not provide “credit repair” services or

advice or assistance regarding rebuilding or improving your credit history or credit score, or

monitoring for specific events that may impact your credit information. Chase and TransUnion also

cannot act on your behalf to dispute the accuracy of any information that appears in your credit

report, other than information reported by Chase. Chase and TransUnion are not responsible for

inaccurate results, including any due to incorrect, incomplete, or outdated information in your

credit report.

You can view your VantageScore Credit Score and Credit Journey as often as you like. It won’t

impact your credit score.

Simulations

Credit Journey has a credit score simulator that estimates how certain changes in your credit

behavior may impact your credit score. This simulator shows how these changes may impact the

credit score displayed on Credit Journey, which is the VantageScore Credit Score. Simulated

scores and score changes simulated by Credit Journey are only predicated estimates. Credit

Journey and TransUnion Interactive, Inc. do not guarantee that your actual credit score will

change by the same amount, in the same way, or at all.

Communications

You agree to receive these terms and conditions and all other communications regarding Credit

Journey in electronic format. You agree that by using Credit Journey, all notices, alerts or other

communications which we may be required to give you arising from our obligations under Credit

Journey may be sent to you by any or all of the following sources, at our option:

Through electronic notice given to any electronic mailbox we have for you,•

Any other electronic mail address or telephone number you provide to us,•

The current address we have on file for you,•

By text message or•

In any other manner permitted by law including, but not limited to, posting it on our website.

By enrolling in Credit Journey, you are consenting to receive these communications. We will

continue to honor any opt out requests that you have made for messages from Chase.

•

Your Right To Receive A Free Credit Report From

AnnualCreditReport.com

Credit Journey provides you with your VantageScore Credit Score, related information and other

credit report information. However, it’s important to know that, by law, you also have the right to

free credit reports from AnnualCreditReport.com or by calling 877-322-8228, which is the

authorized source under federal law for free credit reports. By law, you may obtain one free credit

report from each of the three national consumer reporting agencies (Experian Information

Solutions, Inc., Equifax Inc., and TransUnion) during any twelvemonth period. For more

information, go to www.consumerfinance.gov/learnmore.

New Features

We may, from time to time, introduce new features to Credit Journey or modify or delete existing

features in our sole discretion. We shall notify you of any of these changes to features if we are

legally required to do so. By using any new or modified features when they become available, you

agree to be bound by the rules and terms concerning these features.

Cancellation

You may terminate your service with Credit Journey at any time by unenrolling on Credit Journey’s

website. Your cancellation will be effective after we have a reasonable time to process it. When

you cancel, it does not affect the validity of any actions taken by us prior to your cancellation or

while we are processing it. We may cancel or amend the terms of the product at any time for any

reason.

Trademark Information

Credit Journey and the other trademarks, logos, and service marks displayed on this web site

(excluding those owned by TransUnion and VantageScore Solutions, LLC) are the trademarks of

Chase, its affiliates or their respective third party owners. Under no circumstances may you alter,

modify, or change these trademarks. You are prohibited from using these trademarks for any

purpose without written permission.

Limitation of Liability

EXCEPT AS SPECIFICALLY SET FORTH HEREIN OR WHERE THE LAW REQUIRES A

DIFFERENT STANDARD, NEITHER CHASE NOR TRANSUNION SHALL BE RESPONSIBLE

FOR ANY LOSS, DAMAGE OR INJURY OR FOR ANY DIRECT, INDIRECT, SPECIAL,

INCIDENTAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS,

ARISING FROM OR RELATED TO THE SYSTEM, EQUIPMENT, BROWSER AND/OR THE

INSTALLATION OR MAINTENENACE THEREOF, ACCESS TO OR USE OF CREDIT

JOURNEY, FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT, THE INTERNET, THE

SYSTEM, OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT

PROBLEMS, BUGS, ERRORS, CONFIGURATION PROBLEMS OR INCOMPATIBILITY OF

COMPUTER HARDWARE, SOFTWARE, THE INTERNET, ORTHE SYSTEM, FAILURE OR

UNAVAILABILITY OF INTERNET ACCESS, PROBLEMS WITH INTERNET SERVICE

PROVIDERS, PROBLEMS OR DELAYS WITH INTERMEDIATE COMPUTER OR

COMMUNICATIONS NETWORKS OR FACILITIES, PROBLEMS WITH DATA TRANSMISSION

FACILITIES OR ANY OTHER PROBLEMS YOU EXPERIENCE DUE TO CAUSES BEYOND THE

CONTROL OF CHASE. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN ANY

APPLICABLE AGREEMENT, YOU UNDERSTAND AND AGREE THAT YOUR USE OF CREDIT

JOURNEY IS AT YOUR SOLE RISK AND THAT CREDIT JOURNEY AND ALL INFORMATION,

PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY INFORMATION, PRODUCTS

AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE SITES, ARE PROVIDED ON AN

"AS IS" "WHERE-IS" AND "WHERE AVAILABLE" BASIS, AND ARE SUBJECT TO CHANGE AT

ANY TIME WITHOUT NOTICE TO YOU.

No Warranties

YOU ACKNOWLEDGE THAT CHASE AND TRANSUNION MAKE NO WARRANTY THAT

CREDIT JOURNEY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE

UNLESS OTHERWISE STATED ON THE SITE OR IN ANY APPLICABLE AGREEMENT. TO

THE FULLEST EXTENT PERMITTED BY LAW, CHASE AND TRANSUNION DISCLAIMS ALL

REPRESENTATIONS, WARRANTIES AND CONDITIONS OF ANY KIND (EXPRESS, IMPLIED,

STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF

MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-

INFRINGEMENT OF PROPRIETARY RIGHTS) AS TO CREDIT JOURNEY AND ALL

INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THIRD PARTY

INFORMATION, PRODUCTS AND CONTENT) INCLUDED IN OR ACCESSIBLE FROM THE

SITES. NO LICENSE TO YOU IS IMPLIED IN THESE DISCLAIMERS.

Other Agreements

In addition to these terms and conditions, you agree to be bound by and comply with such other

written requirements as we may furnish to you in connection with either Credit Journey or products

which may be offered to you as a Credit Journey member, including, but not limited to, any

account agreements that apply to any Chase accounts you may have, and with all applicable state

and federal laws and regulations. In the event of a conflict between the terms of these terms and

conditions and any applicable Chase account agreements with us, the terms of these terms and

conditions will control except as may be otherwise stated herein.

Termination

We may terminate, suspend or limit your access privileges to Credit Journey, in whole or part, at

any time for any reason without prior notice. The obligations and liabilities of the parties incurred

prior to the termination date shall survive the termination of these terms and conditions for all

purposes. We may determine other eligibility criteria in our sole discretion.

Disputes

In the event of a dispute arising under or relating in any way to these terms and conditions or to

Credit Journey, you and we agree to resolve this dispute by looking to these terms and conditions.

If there is a conflict between what one of our employees says and these terms and conditions,

these terms and conditions shall control.

Indemnity

You acknowledge and agree that you are personally responsible for your conduct while using

Credit Journey and agree to indemnify and hold us and our officers, directors, employees and

agents harmless from and against any loss, damage, liability, cost or expense of any kind

(including, but not limited to, reasonable attorneys' fees) that we may incur in connection with a

third party claim or otherwise, in relation to your use of Credit Journey or the use of Credit Journey

by anyone using your account number, PIN, user ID or password or your violation of these terms

and conditions or the rights of any third party (including, but not limited to, privacy rights). Your

obligations under this paragraph shall survive termination of these terms and conditions.

Records; Communications

Our records, kept in the regular course of business, shall be presumed to accurately reflect the

contents of your instructions to us and, in the absence of manifest error, will be binding and

conclusive. Unless otherwise prohibited by law, any communication or material you transmit to us

via Credit Journey or electronic mail is on a non-confidential basis and we may use such

communication or material for any purpose consistent with our U.S. Consumer Privacy Notice at

https://www.chase.com/digital/resources/privacy-security/privacy/consumer-privacy-notice.html, as

amended from time to time, including reproduction, publication, broadcast and posting.

When you give us your mobile phone number, we have your permission to contact you at that

number about all your Chase or J.P. Morgan accounts. Your consent allows us to use text

messaging, artificial or prerecorded

voice messages and automatic dialing technology for informational and account service calls, but

not for telemarketing or sales calls. It may include contact from companies working on our behalf

to service your accounts. Message and data rates may apply. You may contact us anytime to

change these preferences.

Choice of Law/Successors

These terms and conditions and their enforcement shall be governed by the laws of the State of

Delaware, without regard to any choice of law provision, and shall inure to the benefit of our

successors and assigns, whether by merger, consolidation, or otherwise. You irrevocably and

unconditionally submit to the jurisdiction and venue of the United States District Court for the

District of Delaware, or if such court does not have subject matter jurisdiction, to the courts of the

State of Delaware.

These terms and conditions and your account will be governed by federal law, as well as the law

of Delaware, and will apply no matter where you live or use this account.

Waiver

We will not be deemed to have waived any of our rights or remedies under these terms and

conditions unless such waiver is in writing and signed by us. No delay or omission on our part in

exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other

rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any

rights or remedies on future occasions.

Severability

If any provision of these terms and conditions conflicts with the law under which these terms and

conditions is to be construed or if any provision of these terms and conditions is held invalid or

unenforceable by a court of competent jurisdiction, that provision will be deemed to be restated to

reflect as nearly as possible the original intentions of the parties in accordance with applicable law.

The remaining provisions of these terms and conditions and the application of the challenged

provision to persons or circumstances other than those as to which it is invalid or unenforceable

will not be affected thereby, and each of those provisions will be valid and enforceable to the full

extent permitted by law.

Risk Of Loss

In the event of a system failure or interruption, your data may be lost or destroyed. Any

transaction(s) that you initiated, were in the process of completing, or completed shortly before a

system failure or interruption should be verified by you through means other than online to ensure

the accuracy and completeness of such transaction(s). You assume the risk of loss of your data

during any system failure or interruption and the responsibility to verify the accuracy and

completeness of any transaction(s) so affected.

Chase Account Information

If you have a Chase account, any Chase account information provided to you as part of Credit

Journey is not the official record of your Chase account or its activity. Your Chase account

statement, furnished to you by us for Chase accounts in a paper format, or electronically if you are

enrolled in paperless statements service, will remain the official record. Credit Journey information

is generally updated regularly, but is subject to adjustment and correction and therefore should not

be relied upon by you for taking, or forbearing to take, any action.

New Jersey Residents

All provisions of these terms and conditions are valid, enforceable and applicable in New Jersey.