Each one is pretty quick, so we won’t break them down any further.</p> 12.1 Governing Law <p>The Agreement is governed by the laws of the State of California, excluding conflicts of law provisions.</p> 12.2 Entire Agreement <p>The terms of the Agreement (including the Privacy Statement, the Community Rules and any Additional Terms) constitute the entire and exclusive agreement between Credit Karma and you in connection with your use of our Services or our Content.</p> 12.3 Changes to the Agreement <p>We may modify the Agreement at any time. We will post modifications to these Terms of Service on this page. If a change materially modifies your rights or obligations, you may need to accept the modified terms to continue to use our Services. Material modifications will take effect when you accept the modified terms.