Rocket Money

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Mortgage Personal Finance Personal Loan Real Estate Auto Solar Truebill is now Rocket MoneySay hello to Rocket Money—It’s everything you love about Truebill but now with a fresh look and feel. Scan to download the appFeaturesManage SubscriptionsWe'll automatically find your subscriptions and bills for you.Autopilot SavingsSave money without thinking about it.Spending InsightsTrack spending across all of your accounts in one place.Credit ScoresTake control of your credit and get your free credit score.Bill NegotiationWe'll wait on hold for you and negotiate your bill.BudgetingTrack spending and set goals for your top categories.Net WorthLink all your assets and debts for your full financial picture.CardAbout UsCareersLearning CenterLog inGet startedAbout usCareersSecurityGet HelpLearning CenterCardManage SubscriptionsWe'll automatically find your subscriptions and bills for you.Autopilot SavingsSave money without thinking about it.Spending InsightsTrack spending across all of your accounts in one place.Credit ScoresTake control of your credit and get your free credit score.Bill NegotiationWe'll wait on hold for you and negotiate your bill.BudgetingTrack spending and set goals for your top categories.Net WorthLink all your assets and debts for your full financial picture.Terms of ServiceDate Last Revised: August 12, 2022• General Terms• Accepting The Terms• Privacy And Your Personal Information• Description Of The Services• ‍Account Information From Third Party Sites• ‍Rocket Money Offers And Third-Party Links• ‍Your Registration Information• Your Use of the Services• ‍Use With Your Mobile Device• Online And Mobile Alerts• ‍Rights You Grant To Us• Your Authorization For ACH Debits And Credits• Rocket Card• Rocket Money Autopilot Savings  • Rocket Money Bill Presentment And Payment Services (Billpay Services)• Rocket Money Bill Negotiation• Rocket Money Subscription Cancellation• Rocket Money Pay Advance• Intellectual Property Rights• ‍Access and Interference• ‍Rules For Posting• ‍Social Media Sites• ‍Disclaimer of Representations and Warranties• ‍Not A Financial Planner, Broker Or Tax Advisor• ‍Limitations On Rocket Money's Liability• Your Indemnification Of Rocket Money• Ending Your Relationship With Rocket Money• Modifications• Governing Law And Forum For Disputes• ‍Allegations Of Copyright And Trademark Infringements. Notification• Supplemental Terms And Conditions For The Services• ‍Apple Requirements.• ‍‍Free Credit Score• About VantageScore 3.0General Terms These Terms of Service and Supplemental Terms and Conditions For the Services (“Agreement” or "Terms of Service") set forth the terms and conditions that apply to your access and use of the RocketMoney.com website and mobile application (the “App”) as owned and operated by Rocket Money, Inc. (f/k/a Truebill, Inc.) (“Rocket Money”), collectively the "Services." The Services are intended ONLY for users in the United States, and their use is governed by US law. As used in this Agreement, the term "Sites" includes all RocketMoney.com and Billpay Services websites and pages that are associated or within each website and all devices, applications or services that Rocket Money operates or offers that link to this Agreement.  By accepting electronically (clicking “I Agree”), installing, accessing or using the Services, you agree to be bound by the terms and conditions of this Agreement, as they may be amended from time to time in the future (see “Modifications” below). If you don't agree to this Agreement, then you may not use the Services. By agreeing to this Agreement, you also agree to Rocket Account’s Terms of Use and acknowledge that you have read the Rocket Account Security And Privacy Policy, which includes using arbitration to resolve claims related to the Telephone Consumer Protection Act. ‍ Accepting The Terms By using the information, tools, features, software and functionality including content, updates and new releases provided by Rocket Money, you agree to be bound by this Agreement, whether you are a “Visitor” (meaning you’re simply browsing the Rocket Money.com website), or a “Member” (meaning you’ve registered for the Services).  The term “you” or “User” refers to a Visitor, or Member. The term “we” refers to Rocket Money. If you wish to become a Member, communicate with other Members, or make use of the Services, you must read this Agreement and indicate your acceptance during the registration process.  You may not use the Services, and you may not accept this Agreement, if you’re not at least 18 years of age and, in any event, of a legal age to form a binding contract with Rocket Money. If you accept this Agreement, you represent that you have the capacity to be bound by it or, if you’re acting on behalf of a company or entity, that you have the authority to bind such an entity.  Before you continue, you should print or save a local copy of this Agreement for your records. Synapse is a backend software provider for Rocket Money, and partners with financial institutions to provide FDIC insurance. Synapse’s API, and their relationship with financial institutions, enables us to offer banking services and products. By agreeing to this Agreement, you also agree to Synapse’s terms and policies, available at: https://synapsefi.com/tos . Furthermore, by agreeing to Rocket Money's TOS, you acknowledge that you have reviewed the Privacy Policy of Synapse's partner banking institution Evolve Bank &amp. Trust, Member FDIC, available at: https://synapsefi.com/evolve-privacy . ‍ Privacy And Your Personal Information We will process your personal information as described in the Rocket Family of Companies Privacy Policy. ‍ Description Of The Services The Services are personal finance information management services that allow you to consolidate and track your financial information. The Services are provided to you by Rocket Money without charge (it’s free), and are meant to provide you with information to allow you to organize and manage your finances. For an optional premium fee of between $3 and $12 per month, you may access Rocket Money Premium Services. You may choose the price you pay for Rocket Money Premium Services, with no change in service or functionality in premium features or services. Rocket Money Premium Services features include access to Autopilot Savings, unlimited budgeting categories, custom spend categories, real time account balance updates, premium chat and subscription cancellation concierge.  The Services may also present you information relating to third party products or services (“Rocket Money Offers”), as well as general tips, recommendations and educational material. ‍ ‍Account Information From Third Party Sites Users may direct Rocket Money to retrieve their own information maintained online by third-parties with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Rocket Money works with one or more online service providers to access this Account Information. Rocket Money makes no effort to review the Account Information for any purpose, including, but not limited to, accuracy, legality or non-infringement. Rocket Money isn’t responsible for the products and services offered by, or on, third-party sites. Rocket Money cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions.  Rocket Money cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any User data, communications or personalization settings.  For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account Information through the Services, in the manner prescribed in the associated instructions. ‍ ‍Rocket Money Offers And Third-Party Links Some parts of the Services are supported by sponsored links from advertisers and display Rocket Money Offers that may be custom matched to you, based on information stored in the Services, queries made through the Services or other information. We will always disclose when a particular Rocket Money Offer is sponsored. In connection with Rocket Money Offers, the Services will provide links to other websites belonging to Rocket Money advertisers and other third parties. Rocket Money doesn’t endorse, warrant or guarantee the products or services available through the Rocket Money Offers (or any other third-party products or services advertised on or linked from our site), whether or not sponsored. Rocket Money isn’t an agent or broker or otherwise responsible for the activities or policies of those web sites.  Rocket Money doesn’t guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Sites are actually the terms that may be offered to you if you pursue the offer, or that they’re the best terms or lowest rates available in the market. If you elect to use or purchase services from third parties, you’re subject to their terms and conditions and privacy policy. ‍ ‍Your Registration Information In order to allow you to use the Services, you’ll need to sign up for an account with Rocket Money. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address and Social Security number, and/or requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. If you don’t provide this information, or Rocket Money cannot verify your identity, we can refuse to allow you to use the Services. You agree and understand that you’re responsible for maintaining the confidentiality of your password which, together with your LoginID e-mail address, allows you to access the Sites.  That LoginID and password form your “Registration Information.” By providing us with your e-mail address, you agree to receive all required notices electronically, through the Services by displaying links to notices generally on the Site, to that e-mail address.  It’s your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in an e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser. If you become aware of any unauthorized use of your Registration Information or Account Information for the Services, you agree to notify Rocket Money immediately at the email address - hello@RocketMoney.com. If you believe that your Registration Information or Account Information or device that you use to access the Services has been lost or stolen, or that someone is using your account without your permission, you must notify Rocket Money immediately. The following is Rocket Money's contact information: Email: hello@RocketMoney.com Address: 8455 Colesville Road, Suite 1645, Silver Spring, MD 20910 ‍ Your Use of the Services Your right to access and use the Sites and the Services is personal to you and isn’t transferable by you to any other person or entity. You’re only entitled to access and use the Sites and Services for lawful purposes. Accurate records enable Rocket Money to provide the Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other websites, as requested in our “add account” setup forms, and you may not misrepresent your Registration Information and Account Information.  In order for the Services to function effectively, you must also keep your Registration Information and Account Information up to date and accurate. If you don’t do this, the accuracy and effectiveness of the Services will be affected. You represent that you’re a legal owner of, and that you’re authorized to provide us with, all Registration and Account Information and other information necessary to facilitate your use of the Services. Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Services or other actions that Rocket Money, in its sole discretion, may elect to take. In no event will Rocket Money be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime. Your sole and exclusive remedy for any failure or non-performance of the Services, including any associated software or other materials supplied in connection with such Services, shall be for Rocket Money to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable Services. From time to time, Rocket Money may include new and/or updated pre-release features and trial-use “Sneak Preview” features in Services for your use, which permit you to provide feedback. You understand and agree that your use of Sneak Preview features is voluntary and Rocket Money is not obligated to provide you with any Sneak Preview features.  Furthermore, if you decide to use the Sneak Preview features, you agree to abide by any rules or restrictions Rocket Money may place on them. You understand that once you use the Sneak Preview features, you may be unable to revert back to the earlier version of the same or similar feature.  Additionally, if such reversion is possible, you may not be able to return or restore data created within the Sneak Preview feature back to the earlier version. The Sneak Preview features are provided on an “as is” basis, and may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Sneak Preview features is at your sole risk. ‍ ‍Use With Your Mobile Device Use of the Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you’re solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.   ROCKET MONEY MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION. (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES. AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES. ‍ Online And Mobile Alerts Rocket Money may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information. Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. Rocket Money may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service. ‍You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Rocket Money may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Rocket Money shall not be liable for any a.&nbsp. delays, failure to deliver, or misdirected delivery of any alert. b. errors in the content of an alert. or c. actions taken or not taken by you or any third party in reliance on an alert. Electronic alerts will be sent to the email address you’ve provided as your primary email address for the Services. If your email address or your mobile device’s email address changes, you’re responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts. Because alerts aren’t encrypted, we’ll never include your passcode. However, alerts may include your LoginID and some information about your accounts. Depending upon which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts. ‍ ‍Rights You Grant To Us By submitting information, data, passwords, usernames, PINs, credentials, other log-in information, materials and other content to Rocket Money through the Services, you’re expressly directing us to use that content, and licensing that content to Rocket Money for the purpose of providing the Services. Rocket Money may use and store the content in accordance with this Agreement and our Privacy Statement.  You represent that you're entitled and authorized to disclose and submit that content to Rocket Money for use for this purpose, without any obligation by Rocket Money to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Rocket Money to access your Account Information maintained by identified third parties, on your behalf as your agent.  When you use the “Add Accounts” feature of the Services, you’ll be directly connected to the website for the third party you’ve identified. Rocket Money will submit information including usernames and passwords that you provide to log into the Site. You hereby authorize and permit Rocket Money to use and store information submitted by you to accomplish the foregoing, and to configure the Services so that it’s compatible with the third-party sites for which you submit your information.  For purposes of this Agreement, and solely to provide the Account Information to you as part of the Service, you grant Rocket Money a limited power of attorney, and appoint Rocket Money or Rocket Money Bills as your attorney-in-fact and agent, to access third-party sites, retrieve and use your information with the full power and authority to do so, and perform each thing necessary in connection with such activities, as you could do in person.  ‍YOU ACKNOWLEDGE AND AGREE THAT WHEN ROCKET MONEY IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY SITES, ROCKET MONEY IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE.  You understand and agree that the Services aren’t sponsored or endorsed by any third parties accessible through the Services. Rocket Money isn’t responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information. ‍ Your Authorization For ACH Debits And Credits By creating a Rocket Money account, you provide your electronic signature to this Agreement and you authorize Rocket Money to electronically debit and credit your Bank Account via the Automated Clearing House (“ACH”) in connection with your use of the Services and, if applicable, to correct erroneous debits and credits via ACH. If you choose to use Rocket Money's Autopilot Savings feature (previously referred to as Smart Savings) (“Autopilot Savings”), this authorization extends for the purposes of making automated debits and credits on your behalf, consistent with implementing your Autopilot Savings plan. You acknowledge that the electronic authorization contained in this section represents your prior written authorization for any automated ACH debit transactions as provided in this section, and will remain in full force and effect until you notify Rocket Money that you wish to revoke this debit authorization by contacting us via the “Contact Support” link in the chat section of the App or emailing us at support@RocketMoney.com.  For Autopilot Savings, automated debits and/or Rocket Money Premium subscription fees, you can pause transfers at any time through the App or discontinue your Autopilot Saving plan to stop any additional debits from taking place. You must notify us that you’re exercising your right to stop a debit or revoke your authorization for automatic debits at least 3 business days before the next scheduled debit date.  If you turn off Autopilot Saving, cancel your Premium subscription or notify us that you’re revoking this debit authorization, but do so less than 3 business days before the next scheduled debit date, we may nonetheless attempt, in our sole discretion, to cancel that scheduled debit transaction. However, we assume no responsibility for our failure to do so.  By agreeing to this Agreement, you authorize Rocket Money to electronically debit your Bank Account via ACH as follows: <ul> <li> Amount of Debits: As determined by Rocket Money, subscription fees for services provided as part of our Bill Negotiation, Premium Services, or as specified as part of your Autopilot Savings plans. </li> <li> Frequency of Automated Debits: on a per-use basis for payments of Bill Negotiation. monthly or annually for Rocket Money Premium Services payments. or weekly, bi-weekly or monthly, depending on your selected settings as part of a Autopilot Saving plan.</li> </ul> You may cancel ACH authorization at any time. However,, we must be notified at least three (3) business days before the debit is scheduled to occur, to prevent the upcoming transaction from processing. Rocket Money reserves the right to cancel or suspend transactions due to fraud or compliance related concerns. ‍You agree to cooperate with us in correcting errors that may occur as part of the Services. If you receive funds or a credit in an amount greater than what you are entitled to receive under the Services and these Terms, then you agree to immediately return and pay the excess amount to us.  ‍You agree that we and our agents may reverse, withdraw or cancel any debit, transaction or item that provided you with funds in error. You agree that an error occurred if we or our agents send any funds to you after we receive evidence indicating that you defrauded us or provided us or our agents with false information.  ‍You agree that we may initiate a new ACH debit to your Bank Account in an amount equal to such overpayment plus the amount of expenses we incurred in recovering such overpayment, including the amount of your obligations, if any, under the “Indemnity” provision below.  In addition to any of your other representations and warranties in these Terms, you represent that: (i) your browser is equipped with at least 128-bit security encryption. (ii) you are capable of printing, storing or otherwise saving a copy of this electronic authorization for your records. (iii) the ACH transactions you hereby authorize comply with applicable law. and (iv) your email address on record with us is yours and that email address is accurate and up-to-date. ‍In case of errors or questions about your electronic transfers, message us in-App or email us at support@RocketMoney.com as soon as possible, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 90 days after we sent the FIRST statement on which the problem or error appeared. <ol> <li>Tell us your name and Rocket Money-associated email address.</li> <li>Describe the error or the transfer you’re unsure about, and explain as clearly as you can why you believe it’s an error, or why you need more information.</li> <li>Tell us the dollar amount of the suspected error.</li> </ol> If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We’ll determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we’ll credit your account within 10 business days for the amount you think is in error, so that you’ll have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Additional Pay Advance ACH debit authorization terms are set forth in Section 16. ‍ Rocket Card Rocket Money offers a credit card called the Rocket Card Credit Card (the “Rocket Card”). The Rocket Card is issued by Celtic Bank, Member FDIC, and powered by Deserve. By agreeing to the Rocket Card Credit Card Cardholder Agreement, you agree to the terms and privacy policy of Celtic Bank, Member FDIC, available at: https://www.celticbank.com/privacy and https://www.celticbank.com/terms-conditions and the terms and privacy policy of Deserve available at: https://www.deserve.com/legal/terms-of-service and Deserve Privacy Policy Customers must maintain their Rocket Money Premium Membership until they first close their Rocket Card Account and pay its full balance. Similarly, users are unable to delete their Rocket Money Account without first closing their Rocket Card Account and paying its balance in full. Card Linked Offers Customers with a Rocket Card will receive statement credits or discounts on certain qualifying transactions via the Rocket Money Card Linked Offers Program. When a Rocket Card is issued and/or activated in the App, it will be automatically enrolled in the Rocket Money Card Linked Offers Program. Customers can see their earned rewards and subsequent statement credits in the App. Customers can also view and browse active offers in the App. By remaining enrolled in the Rocket Money Card Linked Offers Program, you hereby authorize Visa to obtain payment card information and monitor and share your transaction data (such as date, time, amount and merchant) and aggregated transaction data based on your past spend made with your Rocket Card (“Figg Transaction Data”) at participating merchants with Rocket Money and its service providers (including Figg, Inc. (“Figg”) provider of the Rocket Money Card Linked Offers Program). You authorize Rocket Money, Figg, and Visa to obtain, provide and/or use your Figg Transaction Data to personalize your offers, calculate your rewards, redeem rewards, enable card-linked offer(s), and to facilitate the Rocket Money Card Linked Offers Program in accordance with this Agreement and the Card Linked Offers Privacy Policy. Rocket Money may share your Figg Transaction Data with participating merchants to determine if you are eligible to receive the offered reward. You may opt-out of the Rocket Money Card Linked Offers Program at any time by unenrolling via the Rocket Money App. To opt out of the Rocket Money Card Linked Offers Program, you must follow the steps below: <ol> <li>Open the Rocket Money App.</li> </ol> <ol> <li>On the dashboard tab, tap on Rocket Card.</li> </ol> <ol> <li>Tap “Manage” on the top right. </li> </ol> <ol> <li>Tap “Rewards” in the list.</li> </ol> <ol> <li>Tap “I don’t want rewards”.</li> </ol> <ol> <li>Confirm you’d like to unenroll.</li> </ol> You acknowledge that we may receive information identical or substantially similar to the Figg Transaction Data from multiple sources, and our Privacy Policy will continue to govern the data we receive and use as part of the Services. Not all transactions with your registered Rocket Card are tracked by Visa. You acknowledge that Visa may be unable to monitor every transaction made with your enrolled Rocket Card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Rocket Card as a funding source but you do not present your Rocket Card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A. payment system, and that these transactions are not eligible. Please note that we use Figg as our service provider to help us operate the Rocket Money Card Linked Offers Program. Your Rocket Card may only be enrolled in one program operated by Figg. If you have already enrolled your Rocket Card with a separate program operated by Figg, you will be unable to register your Rocket Card in both the Rocket Money Card Linked Offers Program and the other Figg-operated program. You may deactivate your Rocket Card in the other Figg-operated program if you wish to register for the Rocket Money Card Linked Offers Program. Statement credits will not appear or be reflected on your transaction receipt from the participating merchant at the time of purchase and will instead be reflected on your periodic Rocket Card statement. Subject to eligibility verification and settlement of the qualifying transaction, statement credits will typically appear on your Rocket Card statement approximately 30 days after the qualifying transaction but may be subject to delays. Statement credits cannot be processed if your Rocket Card number expires or changes while the statement credit is pending and not settled, or if your Rocket Card account is not open or in good standing. You may not receive a statement credit if it is not posted by your card issuer. Rocket Money, the applicable card network, and your issuer have no responsibility or liability for the failure of a statement credit to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit failure. In no event shall the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account or holding funds or other value for you for distribution to you. Any pending statement credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable participating merchant, and not your funds or balances maintained or held by the payment card network or Rocket Money. To the fullest extent permissible pursuant to applicable law, Rocket Money and its affiliates, licensors, and service providers (including payment card networks and payment processors) expressly disclaim any warranties, express, implied, statutory, or otherwise, including without limitation, warranties of merchantability, fitness for any particular purpose, and non-infringement. Rocket Money and its affiliates, licensors and service providers (including payment card networks and payment processors) do not warrant the data, content, analytics, features, or information provided through the Rocket MoneyCard Linked Offers Program, including without limitation transaction data or User submissions or other data provided by other Users, to be uninterrupted, accurate, useful, or free of errors, viruses, or other harmful components. Under no circumstances will Rocket Money or its affiliates, contractors, employees, agents, or service providers (including payment card networks, Figg, or payment processors) be liable for any special, indirect, incidental, consequential, punitive, or exemplary damages arising or related to the Rocket Money Card Linked Offers Program, even if Rocket Money has been advised of the possibility of such damages. In no event will Rocket Money's or its affiliates', contractors', employees', agents', or service providers’ (including payment card networks’ and payment processors’) total liability to you for all damages, losses, and causes of action arising out of or relating to these terms or your use of the Rocket MoneyCard Linked Offers Program (whether in contract, tort including negligence, warranty, or otherwise) exceed $100. ‍ Rocket Money Autopilot Savings   When you enroll in Autopilot Savings&nbsp. we can help you save towards one or more savings goals designated by you. By enrolling in Autopilot Savings, you authorize us to automatically withdraw funds from a linked bank account that you select during enrollment ("Autopilot Linked Account"), in the amount and in the frequency (such as weekly or monthly) you designate during enrollment, subject to the Electronic Fund Transfer (“EFT”) Authorization (see ACH terms below, to which you agree when you use Autopilot.  We’ll hold your funds in a custodial account as described below. We’ll continue to automatically withdraw funds from your Autopilot Linked Account to hold in the custodial account, unless a. you tell us to stop by using the Services by pausing your Autopilot Savings goal, b, you discontinue your Autopilot Savings plan, or c. we’re unable to process your transfer (e.g., if there are insufficient funds in your Autopilot Linked Account).  You’re solely responsible for ensuring your Autopilot Linked Account has sufficient funds for each withdrawal at the time such funds are withdrawn. You’re also responsible for ensuring each savings amount designated by you is appropriate for your particular situation. If you don't have sufficient funds in your Autopilot Linked Account, you may incur an insufficient funds or overdraft fee from your bank, and we bear no liability for any fee that may be imposed by your bank. The Autopilot Savings feature is not a savings account. And you won’t earn any interest on your Autopilot Savings funds.  You remain the legal owner of the funds held for your benefit in the custodial account. However, you may not use your Autopilot Savings funds while held in the custodial account to make any purchases, withdraw cash (other than to transfer your funds back to your Autopilot Linked Account), transfer funds to any third party, or for any other purpose.  We have no interest in or ownership of your Autopilot Savings funds. We’ll hold your Autopilot Savings funds for your benefit in a non-interest bearing custodial account we’ve established for your benefit at our bank partners or another FDIC-insured financial institution we may select. We may, from time to time, move your Autopilot Savings funds from one custodial account to a custodial account at another insured depository institution, for liquidity, backup, storage or other lawful purposes. However, this won’t affect your ability to access your Autopilot Savings funds, and you remain the legal owner of your funds held in the custodial account.  Funds deposited in the Autopilot Savings feature are insured by the FDIC up to the maximum allowed by law, which is currently $250,000 per for an individually-owned account and $250,000 per owner for jointly owned accounts. The FDIC insures deposits according to the ownership category in which the funds are insured and how the accounts are titled. For questions about FDIC insurance coverage, call the FDIC at 877-275-3342 or visit the FDIC’s website at www.fdic.gov.  Your Autopilot Savings funds will remain in the custodial account until you instruct us to transfer your funds back to your Autopilot Linked Account. It may take up to 5 business days from when we receive your request to complete the transfer. It’s important for you to know the amount of funds you’ve saved before you request a transfer to your Autopilot Linked Account. If you instruct us to transfer your funds back to your Autopilot Linked Account and the amount of your requested transfer exceeds the amount of your Autopilot Savings funds, your request will be declined.  You may check your Autopilot Savings fund balance and initiate a transfer back to your Autopilot Linked Account at any time by accessing your Autopilot Savings through the Rocket Money app. You authorize us to transfer your funds back to your Autopilot Linked Account without notice to you if a. you terminate your participation in the Autopilot Savings Services, b. you terminate your Rocket Money account,&nbsp. c. we’re required to do so under applicable law or by any government agency, or d. we, in our sole discretion, suspect that your use of Autopilot Savings is for illicit purposes or otherwise is in violation of these Terms. Autopilot Savings is free for Rocket Money Premium users. For users who maintain a balance in their Autopilot Savings account who are not currently enrolled in Rocket Money Premium, Rocket Money will assess a $2.00 Autopilot Savings account maintenance fee per month. Users who cancel their Rocket MoneyPremium subscription will be charged the $2.00 Autopilot Savings account maintenance fee beginning on the first day following the termination date of your Rocket Money Premium subscription. Account maintenance fees are non-refundable. DEPOSIT NETWORK SERVICE ACKNOWLEDGEMENT By utilizing the Services, your beneficial funds may be held at nbkc bank, Member FDIC ("nbkc bank”) in an omnibus custodial account ("Omnibus Account"). In its ordinary course of business, nbkc bank may utilize a "Deposit Network Service" to deposit funds from the Omnibus Account into other FDIC insured banks ("Network Banks").  In the event funds from the Omnibus Account are deposited into Network Banks via the Deposit Network Service, nbkc bank will deliver funds to a custody bank ("Custodian Bank") participating in the Deposit Network Service. In the event any of your beneficial funds from the Omnibus Account arrive at a Network Bank through a Deposit Network Service, they may be eligible for FDIC insurance.  However, in the event you or nbkc bank have funds, either directly or indirectly, at any of the Network Banks, such deposit insurance coverage may be adversely affected, and the principal and any accrued interest may not benefit from FDIC insurance, even if the total amount deposited in that Network Bank through the Deposit Network Service is less than the Standard Maximum Deposit Insurance Amount, as then provided by the FDIC.  In the event of a failure of a Network Bank, you may be requested to provide certain personal information for the purposes of processing a claim to seek the associated FDIC insurance. In the event you don’t provide such information on a timely basis, it’s possible the beneficial funds won’t benefit from FDIC insurance. By utilizing the Services, you authorize nbkc bank to utilize a Deposit Network Service as described and acknowledge that any associated beneficial principal balance and any accrued interest may or may not benefit from FDIC insurance. ‍ Rocket Money Bill Presentment And Payment Services (Billpay Services) General By using our Rocket Money Bill Pay and Presentment Services (“Billpay Services”), you expressly authorize Rocket Money and/or its service providers to access your account and associated information on the Biller website (“Biller Account”), on your behalf and as your limited agent, in order to provide the Services.  The Billpay Services automate payments to billers (“Billers”) identified by you. Each time you add a Biller Account through your use of the Services, Rocket Money will connect to the website for the Biller you have identified. You expressly authorize Rocket Money and/or its service providers to (A) accept, on your behalf, the terms and conditions set forth on any Biller website, and (B) to access and receive your information contained on any Biller website.  Some Billers may employ the use of a captcha or similar technology on their website during the login process to determine whether or not the site visitor is human. You expressly authorize Rocket Money and/or any third-party vendor or technology that Rocket Money chooses to decode any captcha or similar technology on your behalf. Once you’ve added a Biller Account through your use of the Services, Rocket Money will submit information, including usernames and passwords that you provide, to log you into the Biller site (each, a “Biller Site”).  You authorize and permit Rocket Money and/or it’s service providers to use and store your Biller Account information to operate and configure the Services so that they are compatible with the Biller website for which you submit your Biller Account information. In providing the Services, Rocket Money and/or its service providers have no knowledge of, and are not responsible for, a violation of any contractual obligations you may have with your Biller, including the Biller’s terms and conditions. By using our Billpay Services, you acknowledge that (A) Rocket Money may engage third-party service providers to provide the Billpay Services. and (B) Rocket Money's service providers may delegate portions of their obligations to other agents or subcontractors for purposes of providing or supporting certain features of the Billpay Services. You authorize Rocket Money and its service providers to access, use, transfer and process such account data in order to provide the Billpay Services. Payment Account Authorization Rocket Money will facilitate payments that you direct through the Services electronically by providing the information about the bank account, credit card or debit card that you designate (the “Payment Account”) to process your payment. By initiating a bill payment through the Services, you authorize Rocket Money to provide instructions to the Biller to initiate and complete the payment on your behalf. You’re solely responsible for complying with any terms set by your bank or credit union with respect to your Payment Account, including any fee terms, such as insufficient fund or overdraft fee terms. You agree to maintain a balance or available credit limit in the specified Payment Account that’s sufficient to fund all Biller payments that you initiate through the App. You certify that your Payment Account is in your name and you’re authorized to use it. You represent and warrant that you have the right to authorize Billers and their payment processors to charge the Payment Account for payments that you initiate using the Services. You'll indemnify and hold Rocket Money harmless from any claims by any other owner of the Payment Account or any Biller and its payment processor resulting from your lack of authority, funds or credit. ‍By accepting these Terms of Service, you consent to Rocket Money's disclosure of your personal information (including your Payment Account information) to your Billers or other third parties for the following purposes: <ul> <li>As necessary to allow your Billers to collect payments from you</li> <li>As necessary to resolve a problem related to a payment</li> <li>To verify the validity of your Payment Account</li> <li>To verify the validity of your credit or debit card</li> <li>To comply with government agency or court orders</li> <li>To our affiliates, as permitted by law to verify your identity for purposes of compliance with applicable laws including, without limitation, the USA PATRIOT Act</li> <li>To comply with inquiries in connection with fraud prevention or any investigation</li> <li>For our general internal business purposes including, without limitation, data analysis and audits, as otherwise permitted by the terms of our Privacy Policy</li> </ul> You’re responsible for confirming the accuracy of the information you provide about each payment you authorize and the amount of the transaction. Failure to provide accurate and complete information may prohibit the use of the Services or result in errors in your requested payments to Billers. You authorize Rocket Money to send communications to the Biller on your behalf in connection with the Services. Taxes It’s your (or your Biller’s) responsibility to determine what, if any, taxes apply to the payments you make, and it’s your responsibility to collect, report and remit the correct tax to the appropriate tax authority. Rocket Money isn’t responsible for determining whether taxes apply to your payment transaction or for collecting, reporting, withholding or remitting any taxes arising from any payment transaction. Fees Rocket Money reserves the right, at our complete discretion, to charge fees for the Services under a subscription model and/or on a per transaction basis. In some instances, third-party websites and applications that offer the Services may also charge service fees. The imposition of any per-transaction fees by Rocket Money will be disclosed to you prior to any payment and will be clearly noted to you. ‍ Rocket Money Bill Negotiation Rocket Money offers bill negotiation services ("Bill Negotiation”) as part of the Services: <ol> <li>In order to receive Bill Negotiation Services, you must provide us with the information we need to perform the Services. This information includes the account holder’s name, your name and relationship to the account holder (if different), and your respective addresses, phone numbers and email addresses, the name of the service provider (“Provider”), your Provider account number, the applicable password, pin number, or other security credentials to access the account, and any other specific information your Provider may require for us to make changes to your account. You also agree to provide a copy of the current monthly billing statement for the account showing the products and features you receive and the amounts you are billed. This information may be provided either by uploading a photo of the bill, or by enabling Rocket Money to access your online bill via a third-party provider.</li> <li>You also agree to provide us with any additional information relevant to the negotiations prior to the start of the negotiation, including if you’re planning to cancel or switch Providers within the next year. We may decline to provide the requested Bill Negotiation based on the information provided in our sole discretion.</li> </ol> <ol> <li>You represent and warrant that all of the information you provide to us is accurate, complete and correct. You agree that we may rely upon and share your information with our agents, referral partners, providers and otherwise, as necessary in order to offer and provide the Services to you. Your personal information will only be used in the manner and for the purposes set forth in our Privacy Policy.</li> </ol> By requesting a Bill Negotiation, you authorize Rocket Money to contact your Provider as your limited agent in order to secure a better rate on the service on your behalf. Rocket Money will provide account verification details including, but not limited to, your full name, respective addresses, phone numbers, and email addresses, the name of the Provider, your Provider account number, the applicable password, PIN number, or other security credentials to access the account or validate the account with the service provider in order to proceed with the negotiation. If it’s necessary for our agents to represent to your Provider that they’re the account holder, you consent to such representation solely in order to perform the Bill Negotiation. A Bill Negotiation request can be canceled anytime before it’s completed by contacting our Support team or canceling the request in the App. If you’d like to attempt to negotiate your own bill, you must cancel your request prior to Rocket Money completing the requested Bill Negotiation or you’ll be held responsible for all associated fees. We may charge a Bill Negotiation fee (the "Negotiation Fee") for our Services connected with&nbsp. Bill Negotiation . The current Negotiation Fee is decided by the user, anywhere between 30-60% of the 12-month savings achieved as a result of the negotiation.  For instance, if a 40% fee is chosen and Rocket Money is able to lower a bill by $10 per month, that would equal savings of $120 over 12 months and a Negotiation Fee of $48. We may charge the Negotiation Fee to the credit or debit card provided and authorized at the time the Bill Negotiation is submitted. The Negotiation Fee is non-refundable, except in the event that an error was made during the Bill Negotiation, or except as otherwise required by applicable law.  In the event that you choose to cancel the service for which Rocket Money performed a Bill Negotiation, you must notify Rocket Money in writing no later than thirty (30) days after your provider services are canceled in order to receive a pro-rata credit for the days remaining in the month in which your services are canceled. If you cancel your service before all savings for a given billing period appear on your bill(s), you must send documentation to Rocket Money within thirty (30) days after such cancellation takes effect showing the last date of service, and Rocket Money will adjust your invoice on a pro-rata basis taking into account the date of service cancellation. If you’ve paid in advance, we’ll issue you a credit to use toward future Bill Negotiations with Rocket Money.  Rocket Money's negotiated savings generally take 1 to 2 billing cycles to reflect on your statement, most likely your next billing statement. By default, you consent to Rocket Money improving the quality of your service if it doesn’t increase your cost of service. You’re responsible for fees resulting from any and all negotiations that are submitted through your Rocket Money account. ‍ Rocket Money Subscription Cancellation By requesting a Subscription Cancellation you authorize Rocket Money to contact your service provider as your limited agent in order to cancel, on your behalf, your subscription/service with the specified provider. Rocket Money will provide account verification details including, but not limited to, your full name, service address, account number, payment verification,&nbsp. security code or other security credentials, to validate the account with the service provider in order to proceed with the cancellation.&nbsp. If it is necessary for our agents to represent to your service provider that they are the account holder, you consent to such representation solely in order to perform the Subscription Cancellation. ‍ Rocket Money Pay Advance You may use Rocket Money Pay Advance ("Pay Advance”) to request an advance of up to $125 to be deposited by us into the account selected by you for Pay Advance (“Pay Advance Linked Account”) in advance of your next scheduled paycheck deposit from your employer (“Direct Deposit”). There are no fees or other charges for Pay Advances. To request a Pay Advance, visit the Pay Advance section in the App, select the amount of the advance you’d like to receive, and choose the optional tip amount you’d like to pay us for providing you with a Pay Advance. The suggested tip amount is 12% of the Pay Advance amount. However, tips aren’t required to receive a Pay Advance. Whether you tip us, and the amount you choose to tip, won’t affect the amount of your Pay Advance or your eligibility to receive a Pay Advance now or in the future. If we approve your request, we’ll deposit the Pay Advance in your Pay Advance Linked Account. You may only request one Pay Advance per Direct Deposit pay period. We reserve the right to deny you access to the Pay Advance Service, or to receive a Pay Advance for any reason, at our sole discretion. To be eligible for a Pay Advance, at the time of your request you must fulfill the following primary eligibility criteria: <ul> <li>maintain an active Rocket Money account</li> <li>maintain a Pay Advance Linked Account and have a valid debit card associated with the Pay Advance Linked Account</li> <li>be a Rocket Money Premium subscriber in good standing</li> <li>be an authorized person with ownership rights to the Pay Advance Linked Account in order to request and repay a Pay Advance</li> </ul>   You authorize us to use your Account Information and additional information from third parties to determine whether you meet these eligibility criteria. Repayment You authorize us to debit your Pay Advance Linked Account or charge your debit card on the day of, or within three (3) days after, your next Direct Deposit in the full amount of the Pay Advance, plus the amount of any tip you choose to pay. Our failure to debit your Pay Advance Linked Account or charge your debit card when repayment is due doesn’t waive or extinguish our right to initiate repayment at a later date.  If you don’t have sufficient funds in your Pay Advance Linked Account when we initiate repayment, you’ll be responsible for any overdraft fees, insufficient funds fees, late fees, or any other charges you incur that result from Rocket Money debiting your Pay Advance Linked Account or charging your debit card in connection with a Pay Advance. If we determine from your Account Information that your Pay Advance Linked Account is unlikely to contain sufficient funds to repay us, we may choose, in our sole discretion, to wait to initiate repayment until your next Direct Deposit date. If we’re unable to debit your Pay Advance Linked Account or charge your debit card for the full repayment amount, you won’t be eligible for additional Pay Advances. However, we’ll have no legal or contractual claim, or other remedy against you, if you don’t repay a Pay Advance. and we won’t engage in any debt collection activities, report your failure to repay to any credit reporting agencies, or sell your obligation to repay us to a third-party debt collector. If you’re unable to repay us but would like to become eligible for Pay Advances again, please contact us via the “Contact Support” link in the chat section of the App, or email us at support@RocketMoney.com. You’ll be required to pay us in full for the Pay Advance by authorizing us to debit your Pay Advance Linked Account or to charge your debit card. If you deactivate your Rocket Money Account before you’ve repaid your advance, you hereby grant us permission to debit your&nbsp. Pay Advance Linked Account for the amount of the advance on or after the repayment date. W-9 Certification You certify, under penalty of perjury that the Taxpayer Identification Number or Social Security number you provided is correct, and you’re not subject to backup withholding because (a) you’re exempt from backup withholding, (b) you haven’t been notified by the Internal Revenue Service (IRS) that you’re subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified you that you’re no longer subject to backup withholding. and you’re a U.S. citizen or other U.S. person. ‍ Intellectual Property Rights The contents of Sites and the Services, including their “look and feel” (e.g., text, graphics, images, logos, and button icons), photographs, editorial content, notices, software (including html-based computer programs),and other material are protected under both United States and other applicable copyright, trademark, and other laws.    The contents of the Services belong or are licensed to Rocket Money or Rocket Money Bills, or its software or content suppliers. Third-party trademarks, service marks, graphics and logos used in connection with the Services are the intellectual property of their respective owners and are used for identification purposes only. Use of these names, trademarks and logos does not imply a relationship with Rocket Money.  Rocket Money grants you the right to view and use the Services subject to these terms. You may download or print a copy of information for theServices for your personal, internal, and non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from theServices, in whole or in part for any other purpose, is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Site or the Services or content in a manner that violates any applicable law, regulation, or this Agreement. ‍ ‍Access and Interference You agree that you’ll not: <ol> <li>Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without Rocket Money's express written consent, which may be withheld in Rocket Money's sole discretion. </li> </ol> <ol> <li>Use or attempt to use any engine, software, tool, agent or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Microsoft Explorer).</li> </ol> <ol> <li>Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Services.</li> <li>Attempt to decipher, decompile, disassemble or reverse-engineer any of the software comprising or in any way making up a part of the Services.</li> </ol> ‍ ‍Rules For Posting As part of the Services, Rocket Money may allow you to post content on bulletin boards, blogs and at various other publicly available locations on the Sites. These forums may be hosted by Rocket Money or by one of our third-party service providers on Rocket Money's behalf. You agree in posting content to follow certain rules. <ol> <li>You’re responsible for all content you submit, upload, post or store through the Services.</li> </ol> <ol> <li>You’re responsible for all materials ("Content ") uploaded, posted or stored through your use of the Services. You grant Rocket Money a worldwide, royalty-free, non-exclusive license to host and use any Content provided through your use of the Services. Archive your Content frequently. You’re solely responsible for any lost or unrecoverable Content. You must provide all required and appropriate warnings, information and disclosures. Rocket Money isn’t responsible for the Content or data you submit through the Services. By submitting content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sub-licenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display and perform all or any portion of the content in connection with Services and our business including, without limitation, for promoting and redistributing part or all of the Sites (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each User a non-exclusive license to access your posted content through the Sites, and to use, reproduce, distribute, prepare derivative works of, display and perform such content as permitted through the functionality of the Services and under this Agreement.</li> </ol> <ol> <li>You agree not to use, nor permit any third party to use, the Services to a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person, b) post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive. that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law. or that is otherwise inappropriate, c) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion, or d) interfere with other Users’ use of the Service, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Sites, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Service infrastructure or that negatively affects the availability of the Service to others.</li> </ol> <ol> <li>Except where expressly permitted, you may not post or transmit charity requests. petitions for signatures. franchises, distributorship, sales representative agency arrangements or other business opportunities (including offers of employment or contracting arrangements). club memberships. chain letters. or letters relating to pyramid schemes. You may not post or transmit any advertising, promotional materials or any other solicitation of other Users to use goods or services except in those areas if any (e.g., a classified bulletin board) that are designated for such purpose. </li> </ol> <ol> <li>You agree that any employment or other relationship you form or attempt to form with an employer, employee or contractor whom you contact through areas of the Sites that may be designated for that purpose is between you and that employer, employee, or contractor alone, and not with us.</li> </ol> <ol> <li>You may not copy or use personal identifying or business contact information about other Users without their permission. Unsolicited emails, mailings, telephone calls or other communications to individuals or companies whose contact details you obtain through the Services are prohibited.</li> </ol> <ol> <li>You agree that we may use any content, feedback, suggestions, or ideas you post in any way, including in future modifications of the Service, other products or services, advertising or marketing materials. You grant us a perpetual, worldwide, fully transferable, sublicensable, non-revocable, fully paid-up, royalty-free license to use the content and feedback you provide to us in any way.</li> </ol>   The Services may include a community forum or other social features to exchange information with other users of the Services and the public. Rocket Money doesn’t support and isn’t responsible for the content in these community forums. Please use respect when you interact with other users. Don’t reveal Content or information that you don’t want to make public. Users may post hypertext links to content of third parties for which Rocket Money is not responsible. ‍ ‍Social Media Sites Rocket Money may provide experiences on social media platforms such as Facebook®, Twitter® and LinkedIn® that enable online sharing and collaboration among Users who’ve registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content. ‍ ‍Disclaimer of Representations and Warranties THE SITES, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICES OR PROVIDED THROUGH THE SERVICES (WHETHER OR NOT SPONSORED) ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. ROCKET MONEY, ITS AFFILIATES, AND ITS THIRD-PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS ") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITE OR OF THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. NEITHER ROCKET MONEY OR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE SITES OR OF THE SERVICES (WHETHER OR NOT SPONSORED), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER ROCKET MONEY OR ITS SUPPLIERS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 15 AND 18 OF THIS PROVISION MAY NOT APPLY TO YOU. ‍ ‍Not A Financial Planner, Broker Or Tax Advisor NEITHER ROCKET MONEY NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. ROCKET MONEY ISN’T A FINANCIAL PLANNER, BROKER OR TAX ADVISOR.   The Service are intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. ‍ ‍Limitations On Rocket Money's Liability ROCKET MONEY SHALL, IN NO EVENT, BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES INCLUDING, BUT NOT LIMITED, TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE SITES, YOUR USE OF THE SERVICES, THE SITES OR THIS AGREEMENT, EVEN IF ROCKET MONEY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, ROCKET MONEY’S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF $500.00 (FIVE HUNDRED UNITED STATES DOLLARS). ‍ Your Indemnification Of Rocket Money You shall defend, indemnify and hold harmless Rocket Money and its officers, directors, shareholders and employees from and against all claims, suits, proceedings, losses, liabilities and expenses, whether in tort, contract or otherwise that arise out of or relate including, but not limited to, attorneys fees, in whole or in part, arising out of or attributable to any breach of this Agreement or any activity by you in relation to the Sites or your use of the Services. ‍ Ending Your Relationship With Rocket Money This Agreement will continue to apply until terminated by either you or Rocket Money as set out below. If you want to terminate your legal agreement with Rocket Money, you may do so as follows: To close your account for the Services, please use the directions below: <ol> <li>Login to your Rocket Money.com account.</li> <li>Go to “Your Account.”</li> <li>Locate the “delete Rocket Money account” option under “More Options.”</li> <li>Type in “delete” where prompted.</li> <li>Enter the password for your Rocket Money.com account.</li> <li>Press “Yes.”</li> <li>Your account will be closed and your ability to log in deactivated immediately. Your Rocket Money.com account data will be removed within 48 hours, subject to and as explained in our Privacy Statement.</li> </ol>  Rocket Moneymay, at any time, suspend your account and/or terminate its legal agreement with you and your access to the Services a. if you’ve breached any provision of this Agreement (or have acted in a manner which clearly shows that you don’t intend to, or are unable to comply with, the provisions of this Agreement),b. if Rocket Money, in its sole discretion, believes it’s required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful), c. for any reason, and at any time, with or without notice to you, or d. immediately upon notice, to the e-mail address provided by you as part of your Registration Information.  You acknowledge and agree that Rocket Money may immediately suspend, deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files and the Services by you. Further, you agree that Rocket Money shall not be liable to you or any third party for any suspension or termination of your access to the Services. ‍ Modifications Rocket Money reserves the right, at any time and from time to time, to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. Rocket Money reserves the right to change the Services, including applicable fees, in our sole discretion and from time to time. In certain circumstances, if you’re a paying User of the Services, Rocket Money will provide notice to you. If you don’t agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services, after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Rocket Money shall not be liable to you or to any third party for any modification, suspensions or discontinuance of the Services.  Rocket Money may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or the App or by posting the information on the Sites). The Agreement will always indicate the date it was last revised. You’re deemed to accept, and agree to be bound by, any changes to the Agreement when you use the Services after those changes are posted. ‍ Governing Law And Forum For Disputes California state law governs this Agreement without regard to its conflicts of laws provisions. ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO THE SERVICES OR THESE TERMS OF USE WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this provision. the arbitrator shall apply California law to all other matters. Notwithstanding anything to the contrary, any party to the arbitration may, at any time, seek injunctions or other forms of equitable relief from any court of competent jurisdiction.  ‍WE EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE A. THAT YOU AND ROCKET MONEY ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY, B. TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS, AND C. THAT YOU’VE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.  To begin an arbitration proceeding, send a letter requesting arbitration and describing your claim to Rocket Money Inc., 8455 Colesville Road, Suite 1645, Silver Spring, MD 20910.   Arbitration will be conducted by the American Arbitration Association (AAA) before a single AAA arbitrator under the AAA's rules, which are available at www.adr.org or by calling 1-800-778-7879.  Payment of all filing, administration and arbitrator fees and costs will be governed by the AAA's rules, but if you’re unable to pay any of them, we’ll pay them for you. In addition, we’ll reimburse all such fees and costs for claims totaling less than $75,000, unless the arbitrator determines the claims are frivolous.   Likewise, we won’t seek our attorneys’ fees or costs in arbitration unless the arbitrator determines your claims or defenses are frivolous. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location. The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. This Section shall survive expiration, termination or rescission of this Agreement. ‍ ‍Allegations Of Copyright And Trademark Infringements. Notification Rocket Money respects the intellectual property rights of others, and Rocket Money asks that users of the Site and Services do the same. If you believe that your intellectual property is being used on the Site in a way that constitutes copyright infringement, please provide our Designated Agent (set forth below) the following information (as required by Section 512(c)(3) of the Digital Millennium Copyright Act): <ol> <li>A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that’s allegedly infringed.</li> <li>Identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.</li> </ol> <ol> <li>Identification of the material that’s claimed to be infringing or to be the subject of infringing activity, and that’s to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material. </li> </ol> <ol> <li>Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an email address at which the complaining party may be contacted.</li> </ol> <ol> <li>A statement that the complaining party has a good faith belief that use of the material in the manner complained of isn’t authorized by the copyright owner, its agent or the law.</li> </ol> <ol> <li>A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that’s allegedly infringed.</li> </ol>   The information specified above must be sent to Rocket Money's Designated Agent, at the following address:] Rocket Money, Inc. 8455 Colesville Road Suite 1645 Silver Spring, MD 20910 Email: hello@RocketMoney.com   Please note that Section 512(f) of the Digital Millennium Copyright Act may impose liability for damages on any person who knowingly sends meritless notices of infringement. Please don’t make false claims. Any information or correspondence that you provide to Rocket Money may be shared with third parties, including the person who provided Rocket Money with the allegedly infringing material. Upon receipt of a bona fide infringement notification by the Designated Agent, it’s Rocket Money's policy to remove or disable access to the infringing material, notify the user that it’s been removed or has disabled access to the material and, for repeat offenders, to terminate such User's access to the Services. If you believe that your content shouldn’t have been removed for alleged copyright infringement, you may send Rocket Money's Designated Agent a written counter-notice with the following information: <ol> <li>Identification of the copyrighted work that was removed, and the location on the Site where it would’ve been found prior to its removal</li> <li>A statement, under penalty of perjury, that you have a good faith belief that the content was removed as a result of a mistake or misidentification</li> <li>Your physical or electronic signature and your contact information (address, telephone number and, if available, email address)</li> </ol>   If a counter-notice is received by the Designated Agent, we may send a copy of the counter-notice to the original complaining party, informing that person that it may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the user, the removed material may be replaced or access to it restored in 14 business days or more after receipt of the counter-notice, at our discretion. ‍ Supplemental Terms And Conditions For The Services These Supplemental Terms and Conditions apply for the Services, and shall prevail over any conflict or inconsistency with the Agreement above. Capitalized terms not otherwise defined below have the meanings provided in the General Terms above. ‍ ‍Apple Requirements. If you downloaded the App, any of the Services or product from the Mac App Store, the following terms also apply to you: ‍A. Acknowledgement: You acknowledge that this Agreement is between you and Rocket Money only, and not with Apple, and Rocket Money, not Apple, is solely responsible for the Software and the content thereof. ‍B. Scope of License: The license granted to you for the Software is a limited, non-transferable license to use the Software on Mac product that you own or control, and as permitted by the Usage Rules set forth in the terms of service applicable to the Mac App Store. ‍C. Maintenance and Support: Rocket Money and not Apple is solely responsible for providing any maintenance and support services, for which additional fees may apply, with respect to the Services. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Software. ‍D. Warranty: Rocket Money is solely responsible for any product warranties, whether expressed or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Software to conform to any applicable warranty, you may notify Apple and they’ll refund the purchase price for the Software to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Software, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Rocket Money's sole responsibility. ‍E. Product Claims: Rocket Money, not Apple, is responsible for addressing any user or third-party claims relating to the Software or the user’s possession and/or use of the Software, including, but not limited to: (i) product liability claims, (ii) any claim that the Software fail to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection or similar legislation.  F. Intellectual Property Rights: You acknowledge that, in the event of any third-party claim, that the Software or your possession and use of the Software infringes that third party’s intellectual property rights, Rocket Money, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.  G. Legal Compliance: You represent and warrant that (i) you are not located in a country that’s subject to a U.S. Government embargo, or that’s been designated by the U.S. Government as a terrorist-supporting country, and (ii) you’re not listed on any U.S. Government list of prohibited or restricted parties. ‍H. Developer Contact Info: Direct any questions, complaints or claims to: Rocket Money Inc., 8455 Colesville Road, Suite 1645, Silver Spring, MD 20910 or email us at hello@RocketMoney.com.  I. Third Party Terms of Agreement: You must comply with any applicable third-party terms of agreement when using the Software.  J. Third-Party Beneficiary: You acknowledge and agree that Apple and Apple’s subsidiaries are third-party beneficiaries of this Agreement and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third-party beneficiary thereof. ‍ ‍‍Free Credit Score Rocket Money provides all Members with free access to their Experian VantageScore 3.0 credit score and provides Members who pay for Rocket Money Premium Services with access to their credit report (collectively “Credit Score”). By accessing your Credit Score through the Services, you agree to provide Rocket Money the following credit pull authorization:  I hereby authorize Rocket Money to periodically obtain and use consumer reports about me in order to provide me with (1) access to my free credit score, including periodic updates to my credit score, and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by Rocket Money partners.  If you find discrepancies with your credit score or information from your credit report, please contact Experian directly. ‍ About VantageScore 3.0 VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some, but not all, lenders. Higher scores represent a greater likelihood that you'll pay back your debts, so you’re viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk. There are three (3) different major credit reporting agencies (Experian, TransUnion and Equifax) that maintain a record of your credit history, also known as your credit file. Credit scores are based on the information in your credit file at the time it’s requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies.  Your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.    There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. Your VantageScore 3.0 may also differ from your score under other types of VantageScores.  Just remember that your associated risk level is often the same even if the number isn’t. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it’s possible that this difference can lead to higher interest rates and sometimes credit denial. 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