Terms of Use 

Last Updated March 1, 2024

Hello there! We know that you’d probably rather be doing nearly anything else than reading through pages of terms and conditions. But we hope you’ll do it anyway. We want to make sure you have all the details about things like our services, costs, how we link to your bank account and contact you, and how you can cancel Roost if you need to do so.

The following terms form a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and Joinroost, Inc., its subsidiaries, affiliates, agents and assigns (“Roost”, “we”, “us”, or “our”), which sets forth the terms and conditions for your use of Roost’s application and/or Roost’s website, Joinroost.com (collectively referred to herein as the “App”); and the products and services offered, operated or made available by Roost through the App (collectively, the “Services”). 

The App and the Services are owned and operated by Roost, and are being provided to you expressly subject to this Agreement. By accessing, browsing and/or using the App or the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and Roost, and this Agreement governs your use of the App and the Services.

THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 21 BELOW FOR MORE INFORMATION.

Terms of Use

1. ACCEPTANCE OF AGREEMENT

Please carefully review this Agreement before using the App or the Services, or accessing any data thereon. If you do not agree to these terms, you may not access or use the App or the Services.

To use the App or the Services and to accept the Agreement, you must be 1) a legal resident of the United States, 2) of legal age to form a binding contract with Roost, 3) not prohibited by law from using the App, joinroost.com or the Services.

2. Registration and Account Security 

Roost reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the App. You should check this Agreement on the App periodically for changes. All changes shall be effective upon posting. We will date the terms with the last day of revision. Your continued use of the App or the Services after any change to this Agreement constitutes your agreement to be bound by any such changes. Roost may terminate, suspend, change, or restrict access to all or any part of the App or the Services without notice or liability.

To access and use the App and Services, you must have a mobile device with access to the Internet running either Apple iOS 10.3 or higher, or Android 4.1 or higher. You must also have a valid email address and sufficient storage space to install any required Application. Roost’s Applications will be available early 2022 on the Apple App Store (for Apple devices) and Google Play Store (for Android devices).

3. PRIVACY POLICY

Roost maintains a Privacy Policy, and it details how we handle and protect data. We fully incorporate our Privacy Policy into this Agreement. Note that we reserve the right to update the Privacy Policy at our discretion, and that any changes made to our Privacy Policy are effective when the updates are live on the App.  

4. MODIFICATION OF THIS AGREEMENT

Roost reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the App. You should check this Agreement on the App periodically for changes. All changes shall be effective upon posting. We will date the terms with the last day of revision. Your continued use of the App or the Services after any change to this Agreement constitutes your agreement to be bound by any such changes. Roost may terminate, suspend, change, or restrict access to all or any part of the App or the Services without notice or liability.

5. USER INFORMATION ACCURACY AND UPDATES 

To access Roost’s Services, you must create a user account with Roost. This process will include creation of a Login ID and password to access the App and the Services. When you sign up for a user account, you agree to provide accurate, current and complete information – such as your name, mailing address, and email address – as may be prompted by any registration forms available through the App, in connection with the Services or as otherwise requested by Roost for such information (“User Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the App and Services.

In order to use certain Services, Roost may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the App and/or Services.

Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Profile section of the Roost app, click on “Settings,” and update your User Information accordingly.

Should you believe or have reason to believe that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible at support@joinroost.com.

6. OVERVIEW OF SERVICES

Roost offers a variety of Services. These Services include:

• Security deposit management (Deposit Manager) – On behalf of your property, a complimentary service to help you manage your security deposit refund.
• Roost Credit– On-time rent payment reporting to help you build credit history.
• Guidance and Savings – A library of renter and financial guidance, calculators, promotions and discounts from Roost partners. 

7. THIRD-PARTY AND ROOST BANKING ACCOUNT INFORMATION

To use the Services, you may direct Roost to retrieve your account transaction history, balance information, and/or other information maintained by third-parties with which you have relationships, maintain accounts or engage in financial transactions (“Third-Party Account Information”). This includes information maintained by Evolve for Roost Accounts. Roost works with one or more third-party service providers to access this Third-Party Account Information. We will use this information to provide you with the Services you request, for our own internal business purposes and to offer you other Roost products and services that may be of interest to you. By using the Services, you authorize Roost to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. By agreeing to this Agreement, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us so we can retrieve this Third-Party Account Information secure, and for keeping those passwords and usernames up to date in the App. With the exception of information related to your Roost Account, Roost does not review the Third-Party Account Information for accuracy, legality or non-infringement, and Roost is not responsible for your Third-Party Account Information or products and services offered by or on third-party sites.

You acknowledge that any Third-Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.

You agree to the Terms of Service (ToS) of our financial software provider, Sila Inc. (together, the “ Sila ”). You must comply with the Sila ToS when creating or using your Roost Account. The Sila ToS may be modified from time to time, and the governing version is incorporated by reference into these Terms of Service. Any term not defined in this section but defined in the Sila ToS assumes the meaning as defined in the Sila ToS. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE SILA ToS BECAUSE IT CONTAINS TERMS AND CONDITIONS CONCERNING YOUR Roost ACCOUNT, INCLUDING BUT NOT LIMITED TO LIMITATIONS, REVERSAL, AND ARBITRATION PROVISIONS, AND YOUR RELEVANT RIGHTS AND LIABILITIES.

8. ROOST’S SERVICES

8.1 Overview of Services

When you join Roost, you will automatically receive the Basic subscription, where you will have access to Deposit Manager and Guidance & Savings.

• Deposit Manager — you’ll be able to view regulated interest and/or Interest Rewards accrual on your deposits (if applicable in your area), choose a refund payment method, split a refund with your roommates, and at move-out see your final refund amount, deductions, and explanations for items deducted from your deposit, as provided by your property manager. As well, track the status of your refund.  In addition, your property/landlord may use Roost to manage security deposit payments, banking and escrow. 
  
• Guidance and Savings is a service that informs you about renter protections, how to’s, as well as living and financial information. Guidance and Savings lets users directly review content and reviews of products and services. Roost may receive compensation from program partners when we successfully connect users to opportunities.
  
• Roost Credit is an opt-in, positive rent payment reporting service to help residents build credit history with Experian, Equifax and Transunion (see terms below). You must be a Blue subscription member to access.
  
• Roost Blue Membership — when you upgrade to Blue, you’ll receive Interest Rewards on your deposit, Roost Credit, and premium-only partner discounts and content.

Additional services may be made available to you, from time to time, in connection with your subscription in Roost, including services offered by your landlord or property manager.

8.2 Blue Subscription Fees

The Basic Services are offered at no charge.  If Basic Services are required by your property management company or pursuant to the terms of your lease, you may terminate the Basic Services at the end of the lease. 

The Blue Membership starts at $3.99 per month (the “Subscription Fee”).  We require you to provide us with information to connect a bank account (a “Linked Account”), and we may allow you to provide us with other payment methods, including cards (any such available payment method, including your Linked Account, a “Payment Method”) so that we can automatically charge Subscription Fees to your Payment Method. You will be charged for your Subscription Fee on a monthly basis.

You may cancel Blue Membership at any time. However, a minimum charge equivalent of two months’ membership fees is required, if cancelled prior. You must either cancel your subscription through the App or notify us by email at support@Joinroost.com if you do not want to renew your monthly subscription to Blue Membership.  Any outstanding amounts must be paid in full. Cancellation applies to the following payment cycle, you will be billed for the current payment cycle. Cancellations must be received at least three (3) days prior to the next scheduled payment of your monthly Subscription Fee.

Roost will not charge you penalty fees if you do not have sufficient funds to pay your Subscription Fee through your Payment Method. However, your bank may charge fees.  If you are unable to pay your Subscription Fee, Roost reserves the right to terminate your access to the Blue Membership. Roost also reserves the right to collect unpaid Subscription Fees from prior months along with the Subscription Fee due for the current month.

9. INTEREST REWARDS PROGRAM

You may be entitled to receive interest on up to $2000 of your Security Deposit (the “Interest Rewards Program”) when you sign up for Roost Blue. Not all Security Deposits are eligible for the Interest Rewards Program and are subject to Roost’s agreement with your property/landlord and applicable law. Unless regulated interest is otherwise required to be paid under applicable law or contract, you must have an active Blue subscription to receive interest under the Interest Rewards Program. Roost reserves the right to modify or cancel the Interest Rewards Program at any time, including the payment to you of interest not otherwise required by law or by contract, without prior notice to you.   

For Security Deposits that are transferred to Roost mid-lease, such Security Deposits shall become eligible for the Interest Rewards Program following Roost’s receipt of funds and the activation of your account, to the extent required. Your Advance reserve, outstanding Advance or fees owed to Roost, or fees owed to your property could reduce your interest or rewards earnings. All accrued interest will be included with your Security Deposit refund if your property approves the return of any Security Deposit refund to you. If you are not entitled to a Security Deposit refund, you will not receive interest rewards unless required under applicable law. Interest will not be returned to your Linked Account if your Linked Account expires or changes while the credit is pending and not settled.  In such instances, Roost may retain such interest until you contact Roost and arrange for payment through another means. Roost and your property have no responsibility or liability for the failure of interest rewards to be posted, or terms of your account resulting from the interest. You may opt out of Interest Rewards Program anytime by submitting your request to support@joinroost.com   

10. REFUNDS

Security deposit refund amounts are solely determined by your property management.

Express Fees and the Subscription Fee are non-refundable.

11. CREDIT AND DEBIT AUTHORIZATION

If you enroll in the Blue Membership, you authorize Roost to electronically debit your Payment Method for the Subscription Fee once each month. As applicable, you also may authorize Roost to electronically debit and credit your Payment Method for other reasons, including to repay advances and to correct erroneous debits and credits. 

Authorizations for recurring payments are set forth in the App. 

12. DEPOSIT ADVANCE

The Roost Deposit Advance service was discontinued in March of 2023. Roost offers advances from your Security Deposit (each an “Advance”) if you have subscribed to the Blue Membership and meet minimum eligibility requirements. Eligible users will be offered the opportunity to receive an Advance to their Payment Method from their Security Deposit. In all cases, you must affirmatively choose to receive an Advance. After you choose to receive an Advance, the advanced funds are transferred to your Payment Method.  

If you fail to make a Payment by your Payment Date (each a “Missed Payment”), Roost will extend the maturity date of your Advance, so that your final Payment is due one month later than the final Payment Date set forth in your previous payment schedule, giving you additional time to repay the Advance. Roost will not charge you a late fee for Missed Payment(s), but you will be charged a Subscription Fee for the month in which the Missed Payment occurs and for each month added to your original maturity date. Any Missed Payments may be reported to credit bureaus. With respect to your failure to repay an Advance by the maturity date, Roost warrants it will not pursue legal action against. Roost reserves the right to deduct at any time after a Missed Payment such amount from your Security Deposit refund at the time you move-out from your leased property, or to charge your Payment Method if 1) we see evidence of income (such as a paycheck) deposited into your Linked Account, or 2) you move-out from your leased property. Roost does not waive any rights regarding fraudulent activity, and Roost will pursue instances of fraud. Although Roost is helping users avoid late fees and overdraft fees, it is not responsible for any overdraft fees, over-the-limit, insufficient funds charges, or any other fees associated with your Payment Method or that result from a failure to maintain a sufficient balance in your Linked Account. Roost monitors your balance and will attempt to ensure you have sufficient funds in your Linked Account before debiting your Linked Account, but Roost makes no warranties that an overdraft will not occur. Please contact support@joinroost.com for a detailed statement or questions regarding repayment of your Deposit Advance.

13. SMS MESSAGING AND TELEPHONE CALLS

You consent to receive SMS messages (including text messages), and telephone calls (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or App. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. Roost and our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails or other means.

Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

14. LIMITATIONS OF USE

You agree to use the App and the Services only for lawful purposes. You are prohibited from any use of the Services or App that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the App, data or Services, including but not limited to unauthorized entry into Roost’s systems, misuse of passwords, or misuse of any information posted on the App or through the Services is strictly prohibited. Roost makes no claims concerning whether use of the App or the Services is appropriate outside of the United States. If you access the App or the Services from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

You agree you will not 1) try to reverse engineer, disassemble, decompile, or decipher the App or the Services or software making up the App and the Services, 2) navigate or search the App or the Services with any tool, software, agent, engine or other means (including bots, avatars, intelligent agents, or spiders), 3) use a means other than Roost’s provided interface to access the App or the Services, 4) use the App or the Services in a way that could impair, overburden, damage, or disable any portion of the App or the Services, or 5) mirror any material contained on the App or the Services.

Roost reserves the right to take various actions against you if we believe you have engaged in activities restricted by this Agreement or by laws or regulations, and Roost also reserves the right to take action to protect Roost, other users, and other third parties from any liability, fees, fines, or penalties. We make take actions including, but not limited to: 1) updating information you have provided to us so that it is accurate, 2) limiting or completely closing your access to the App or the Services, 3) suspending or terminating your ability to use the App or the Services on an ongoing basis, 4) taking legal action against you (note, as described in Section 9.3 Roost will not take action against you for failure to repay an advance), and 5) holding you liable for the amount of Roost’s damages caused by your violation of this Agreement.

15. INTELLECTUAL PROPERTY RIGHTS

The App and the Services are owned and operated by Roost. All content, visual interfaces, information, graphics, design, compilation, computer code, products, software, services, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever and the selection and arrangement thereof (collectively, the “Roost Materials”) are owned exclusively by Roost or the licensors or suppliers of Roost and are protected by U.S. copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Nothing on the App or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Roost Materials displayed on the App or the Services, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of Roost Materials found on the App or the Services unless in accordance with written authorization by us. Roost prohibits use of any of the Roost Materials as part of a link to or from the App or the Services unless establishment of such a link is approved in writing by us in advance. Any questions concerning any Roost Materials, or whether any mark or logo is a Roost Material, should be referred to Roost. All rights related to the Roost Materials are hereby reserved.

You agree that the Roost Materials may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of Roost. You acknowledge that the Roost Materials are and shall remain the property of Roost. You may not modify, participate in the sale or transfer of, or create derivative works based on any Roost Materials, in whole or in part.

16. TERMINATION

Roost may terminate this Agreement at any time without notice, or suspend or terminate your access and use of the App or the Services at any time, with or without cause, in Roost’s absolute discretion.   

The following provisions of this Agreement shall survive termination of your use or access to the App or the Services: the sections concerning Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Dispute Resolution by Binding Arbitration, and General Provisions, and any other provision that by its terms survives termination of this Agreement.

Roost further reserves the right to modify or discontinue, either temporarily or permanently, any portions or all of the App or the Services at any time with or without notice.

17. DISCLAIMER OF WARRANTIES

THE APP AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, Roost AND ALL OF ITS SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, STOCKHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, ASSIGNS, LICENSORS AND SUPPLIERS INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS (COLLECTIVELY, THE “ROOST PARTIES”) EXPRESSLY MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, STATUTORY, OR IMPLIED AS TO THE CONTENT OR OPERATION OF THE APP OR THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE APP OR THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”

THE ROOST PARTIES MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE INFORMATION OR CONTENT ON THE APP OR THE SERVICES, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. THE ROOST PARTIES MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE APP OR THE SERVICES ARE FREE OF VIRUSES, BUGS, DEFECTS, ERRORS, OR OTHER COMPUTING ROUTINES THAT CONTAIN DAMAGING OR OTHERWISE CONTAMINATING PROPERTIES, OR PROGRAMS INTENDED TO INTERCEPT OR STEAL PERSONAL OR SYSTEM DATA.

Please note, the ability to exclude warranties varies in different jurisdictions. To the extent that a jurisdiction places limits on the ability for a party to exclude warranties, these exclusions exist to the extent permitted by law. Because of this jurisdictional variance, some of the above exclusions may not apply to you.

18. NO LEGAL TAX OR FINANCIAL ADVICE; ALERTS

ROOST DOES NOT INTEND TO PROVIDE YOU WITH ANY LEGAL, TAX, OR FINANCIAL ADVICE THROUGH THE APP OR THE SERVICES. ROOST IS NOT A LAWYER, TAX ADVISOR, BROKER, OR FINANCIAL PLANNER. ROOST ENCOURAGES YOU TO CONSIDER CONSULTING AN ACCOUNTANT OR OTHER FINANCIAL ADVISOR AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES BEFORE IMPLEMENTING ANY FINANCIAL STRATEGY OR MAKING OTHER FINANCIAL DECISION. ROOST WILL MAKE REASONABLE EFFORTS TO PROVIDE TIMELY AND ACCURATE ALERTS TO YOU, BUT YOU ACKNOWLEDGE AND UNDERSTAND THAT ALERTS MAY BE DELAYED OR PREVENTED FOR VARIOUS REASONS. ROOST DOES NOT GUARANTEE THE DELIVERY, ACCURACY, OR TIMELINESS OF ALERTS. FURTHER, ROOST IS NOT LIABLE FOR ANY ERRORS IN THE DELIVERY OR CONTENT OF AN ALERT, AND ROOST IS NOT LIABLE FOR ACTIONS YOU TAKE, OR DO NOT TAKE, IN RELIANCE ON ALERTS. ROOST IS NOT LIABLE FOR ANY THIRD PARTY RELIANCE ON ALERTS.

19. LIMITATION OF LIABILITY

PARTIES WILL NOT BE RESPONSIBLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING DAMAGES UNDER WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE APP OR THE SERVICES, THE ROOST MATERIALS, OR ANY CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE APP OR THE SERVICES, EVEN IF ROOST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE ROOST PARTIES WILL ALSO NOT BE LIABLE TO YOU FOR ANY USE OF INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED VIA THE APP OR THE SERVICES, OR FOR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING FROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO, OR USE OF, THE APP OR THE SERVICES. IN NO EVENT WILL THE ROOST PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED USD $1,000 (ONE THOUSAND UNITED STATES DOLLARS). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE APP OR THE SERVICES OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.

20. INDEMNIFICATION

To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Roost Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the App or the Services; (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. Roost reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of Roost.

21. DISPUTE RESOLUTION BY BINDING ARBITRATION

YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SECTION 21.3 BELOW.

21.1 Election to Arbitrate. You and Roost agree that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this Section 20 (the “Arbitration Provision”), unless you opt out as provided in Section 21.3 below. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent provided otherwise in the last sentence of Section 21.8 below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counter‐claims, cross-claims, third-party claims, or otherwise. Please note that you may continue to assert Claims in small claims court, if your Claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.

21.2 Applicability of the Federal Arbitration Act; Arbitrator’s Powers. This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by and enforceable under the Federal Arbitration Act (the “FAA”). The arbitrator will apply substantive law consistent with the FAA and applicable statutes of limitations. The arbitrator may award damages or other types of relief permitted by applicable substantive law, subject to the limitations set forth in this Arbitration Provision. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court. The arbitrator shall take steps to reasonably protect confidential information.

21.3 Opt-Out of Arbitration Provision. You may opt out of this Arbitration Provision for all purposes by sending an arbitration opt out notice to legal@Joinroost.com, within 60 days of the date of your electronic acceptance of the terms of this Agreement. The opt out notice must clearly state that you are rejecting arbitration; identify the Agreement to which it applies by date; provide your name, address, and social security number; and be signed by you. You may send an opt-out notice in any manner you see fit as long as it is received at the specified address within the specified time. No other methods can be used to opt out of this Arbitration Provision. If the opt out notice is sent on your behalf by a third party, such third party must include evidence of his or her authority to submit the opt out notice on your behalf.

21.4 Informal Dispute Resolution. If a Claim arises, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. You agree that before filing any claim in arbitration, you may submit Claims by sending an email to legal@Joinroost.com at any time.

21.5 Arbitration Procedures. The party initiating arbitration shall do so with the American Arbitration Association (the “AAA”) or Judicial Alternatives and Mediation Services (“JAMS”). The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA’s web site at: www.adr.org. If you have any questions concerning JAMS or would like to obtain a copy of the JAMS arbitration rules, you may call 1(800) 352-5267 or visit their web site at: www.jamsadr.com. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. The arbitration will be held in the United States county where you live or work, or any other location we agree to.

21.6 Arbitration Fees. If we elect arbitration, we shall pay all the administrator’s filing costs and administrative fees (other than hearing fees). If you elect arbitration, filing costs and administrative fees (other than hearing fees) shall be paid in accordance with the rules of the administrator selected, or in accordance with countervailing law if contrary to the administrator’s rules. We shall pay the administrator’s hearing fees for one full day of arbitration hearings. Fees for hearings that exceed one day will be paid by the party requesting the hearing, unless the administrator’s rules or applicable law require otherwise, or you request that we pay them and we agree to do so. Each party shall bear the expense of its own attorneys’ fees, except as otherwise provided by law. If a statute gives you the right to recover any of these fees, these statutory rights shall apply in the arbitration notwithstanding anything to the contrary herein.

21.7 Appeals. Within 30 days of a final award by the arbitrator, any party may appeal the award for reconsideration by a three-arbitrator panel selected according to the rules of the arbitrator administrator. In the event of such an appeal, any opposing party may cross-appeal within 30 days after notice of the appeal. The panel will reconsider de novo all aspects of the initial award that are appealed. Costs and conduct of any appeal shall be governed by this Arbitration Provision and the administrator’s rules, in the same way as the initial arbitration proceeding. Any award by the individual arbitrator that is not subject to appeal, and any panel award on appeal, shall be final and binding, except for any appeal right under the Federal Arbitration Act (“FAA”), and may be entered as a judgment in any court of competent jurisdiction.

21.8 No Class Actions. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. Unless consented to in writing by all parties to the arbitration, an award in arbitration shall determine the rights and obligations of the named parties only, and only with respect to the claims in arbitration, and shall not (a) determine the rights, obligations, or interests of anyone other than a named party, or resolve any Claim of anyone other than a named party; nor (b) make an award for the benefit of, or against, anyone other than a named party. No administrator or arbitrator shall have the power or authority to waive, modify, or fail to enforce this Section 21.8, and any attempt to do so, whether by rule, policy, arbitration decision or otherwise, shall be invalid and unenforceable. Any challenge to the validity of this Section 21.8 shall be determined exclusively by a court and not by the administrator or any arbitrator.

21.9 Survival and Severability of Arbitration Provision. This Arbitration Provision shall survive the termination of this Agreement. If any portion of this Arbitration Provision other than Section 21.8 is deemed invalid or unenforceable, the remaining portions of this Arbitration Provision shall nevertheless remain valid and in force. If there is a final judicial determination that applicable law precludes enforcement of this Arbitration Provision’s limitations as to a particular claim for relief or particular term, then that claim (and only that claim) or that term (and only that term) must be severed from the Arbitration Provision and may be brought in court. If an arbitration is brought on a class, representative, or collective basis, and the limitations on such proceedings in Section 21.8 are finally adjudicated pursuant to the last sentence of Section 21.8 to be unenforceable, then no arbitration shall be had. In no event shall any invalidation be deemed to authorize an arbitrator to determine Claims or make awards beyond those authorized in this Arbitration Provision.

21.10 Judicial Forum for Claims. Except as otherwise required by applicable law, in the event that this Arbitration Provision is found not to apply to you or your Claim, you and Roost agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of San Francisco, California. Both you and Roost consent to venue and personal jurisdiction there. We both agree to waive our right to a jury trial.

21.11 WAIVER OF RIGHT TO LITIGATE. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.

22. GOVERNING LAW AND VENUE

Except for Section 21 which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.

23. GOVERNING LAW AND VENUE

The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers. There may be limitations on your Linked Account or debit card that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your Linked Account.

The disclosures in this Section 23 apply to all Services described in this Agreement. 

23.1 Definitions.

• Electronic Fund Transfer: Any transfer of funds that is initiated through an electronic device or computer to instruct us to debit or credit a Linked Account, debit card or your Roost Banking Account. Electronic Fund Transfers include such electronic transactions transfers initiated via telephone or the App.
• Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, withdrawal of funds out of your Linked Account to pay the Subscription Fee.
• Unauthorized Electronic Fund Transfer is an Electronic Fund Transfer initiated by a person other than you who does not have actual, implied, or apparent authority to initiate the transfer, and from which you do not benefit. If you give access to your App user account to another person, all payments by that person are authorized unless and until you notify us that payments by that person are no longer authorized.

23.2 Your Liability.

• Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly.
• Unauthorized Transfers: Tell us at once if you believe your App Login ID or password has been lost or stolen or if your App user account has been, or may have been, subject to Unauthorized Electronic Fund Transfers. Contact us immediately to keep your possible losses to a minimum. You could lose all the money in your Linked Account(s) and/or Roost Banking Account.
• If you tell us within four (4) business days after learning of the loss or theft of your App Login ID or password or after learning of any other Unauthorized Electronic Fund Transfers associated with your App user account, you can lose no more than $50. However, if you DO NOT tell us within four (4) business days after learning of the loss, theft or unauthorized use associated with your App user account, and we can establish that we could have prevented the Unauthorized Electronic Fund Transfer(s) if you had told us in time, you could lose as much as $500. 
• If your periodic account statement issued by your bank or financial institution shows Unauthorized Electronic Fund Transfers and you DO NOT tell us within ninety (90) days after the statement was delivered to you, you may not get back any money you lose after the ninety (90) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen App Login ID or password or of any other suspected Unauthorized Electronic Fund Transfers(s), the time periods specified in this Section 22.2 may be extended for a reasonable period.

23.3 Business Days. For purposes of this Section 22, Roost business days are Monday through Friday. Holidays are not included.

23.4 Types of Transfers; Limitations. You may use the Services to request and receive advances to your Linked Account, to repay such advances in the amounts and on the days you request, and to pay the monthly Subscription Fee. Any limitations regarding advance amounts, or Subscription Fee amounts will be displayed to you through the Services. Through the App you may also authorize recurring preauthorized Electronic Fund Transfers from your Payment Method to make payments, including to pay the Subscription Fee.

23.5 Fees. Roost charges no fees to access an Advance. However, you may choose to pay an Express Fee to expedite an Advance as set forth in Section 9.2.  

23.6 Documentation. Your Advance and payment history can be viewed within the App by navigating to the “Account Settings” page and tapping “Transaction History” depending on the type of transactions you seek to view. You are responsible for reviewing payment history and/or Roost Banking Account transaction history, if applicable, and maintaining copies for your records.

23.7 Our Liability. If Roost does not debit or credit your Linked Account in accordance with these Terms, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

• If, through no fault of ours, you do not have enough money in your Linked Account to make a payment.
• If the Linked Account you specify as the payment source is closed or does not contain sufficient funds to complete the payment or the charge is rejected or returned by your bank or financial institution.
• If the Services were not working properly and you knew about the problems when you started your payment.
• If we cannot complete a payment due to fraud or attacks on our systems or the Services.
• If circumstances beyond our control (such as fire or flood) prevent a payment, despite reasonable precautions we have taken.
• There may be other exceptions stated in our Agreement with you.

23.8 Confidentiality Related to Electronic Fund Transfers. We will disclose information to third parties about the Electronic Fund Transfers you make through the Services:

• Where it is necessary for completing the Electronic Fund Transfers; or,
• In order to comply with government agency or court orders; or,
• If you give us written permission; or,
• As otherwise provided in our Privacy Policy.

23.9 Error Resolution

In case of errors or questions about your Electronic Fund Transfers, telephone us at

1-888-222-3496 or email us at support@Joinroost.com. If you think your Linked Account statement, receipt, or payment history within the App are wrong, or if you need more information about a transfer listed on the statement, receipt, or within the App, contact us as soon as you can. We must hear from you no later than 90 days after the statement or receipt was delivered to you. In your notification to us, you must:

• Tell us your name and phone number associated with your App user account.
• Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
• Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will 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 will credit your Linked Account or Roost Banking Account within 10 business days for the amount you think is in error, so that you will 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.

For errors involving new App user accounts, we may take up to 90 days to investigate your complaint or question. For new App user accounts, we may take up to 20 business days to credit your Linked Account or Roost Banking Account for the amount you think is in error.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

ALL QUESTIONS ABOUT TRANSACTIONS MADE THROUGH THE Roost SERVICES MUST BE DIRECTED TO Roost, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR LINKED ACCOUNT. We are responsible for the Services and for resolving any errors in transactions made in conjunction with such Services.

We will not send you a periodic statement listing transactions that you make through the Services. The transactions will appear only on the statement issued by your bank or other financial institution. SAVE THE RECEIPTS YOU ARE PROVIDED WHEN YOU USE THE SERVICES, AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. If you have any questions about one of these transactions, call or write us at the telephone number and address indicated below:

1-888-515-5589

JoinRoost, Inc.

15640 NE Fourth Plain Blvd, Suite 106

Vancouver, WA 98682

Email: support@Joinroost.com

IF YOUR App LOGIN ID OR PASSWORD IS LOST OR STOLEN, NOTIFY US AT ONCE by calling or writing to us at the telephone number or address listed above.

24. SEVERABILITY

If any provision of this Agreement is found to be invalid, unlawful, void, or unenforceable by either an arbitrator or a court of competent jurisdiction, this Agreement’s remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.

25. WAIVER

You agree that if Roost does not enforce any of its legal rights or remedies under this Agreement, or other legal rights or remedies Roost has under applicable laws, this shall not be construed as a formal waiver of those rights or remedies or any other rights in any way whatsoever.

26. GENERAL PROVISIONS

This Agreement is the entire understanding and agreement between you and Roost. This Agreement supersedes any previous Terms of Use agreement or other agreement to which you and Roost may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

27. CONTACTING US

If you have questions regarding the Agreement or the practices of Roost, please contact us by email at support@Joinroost.com or by regular mail at JoinRoost, Inc. 15640 NE Fourth Plain Blvd, Suite 106 Vancouver, WA 98682

_________________________________________

Roost Credit | Rent reporting service

Last Updated March 1, 2024

Hello there! We know that you’d probably rather be doing nearly anything else than reading through pages of terms and conditions. But we hope you’ll do it anyway. We want to make sure you have all the details about our rent reporting for credit building service.

By clicking on the “Accept” button for Roost Credit within the App, and completing the registration, you represent that (1) you have read, understand, and agree to be bound by the terms of use, (2) you are of legal age to form a binding contract with company, and (3) you have the authority to enter into the terms of use. IF YOU DO NOT AGREE TO BE BOUND BY THE TERMS OF USE, YOU MAY NOT USE THIS SERVICE.

THIS AGREEMENT ALSO INCLUDES ROOST’S TERMS OF USE, CONSENT TO ELECTRONIC COMMUNICATIONS, and AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO Terms of Use SECTION 21 FOR MORE INFORMATION.

Landlords and Housing Providers who choose to report tenant information to the major credit bureaus via Roost will enter into a direct contractual agreement with Roost. Terms of Service will be outlined in the contract document.

Rent payment reporting service

You understand that by accepting these Terms and Conditions you are providing permission to Roost to report your rental payments via the Service to credit reporting agencies (“CRAs”).

Notwithstanding the above, any party may dispute any entry on a credit report provided by Roost to a CRA. Please see the “Dispute of Credit Reporting Information by Customer” section, below.

Roost is not responsible for how any CRA may manage or use the information provided to them by Roost and you agree to hold Roost harmless against any such claims, with all being subject to the “Dispute of Credit Reporting Information by Customer” section of these Terms and Conditions and the Fair Credit Reporting Act. See such CRA for the terms and conditions of how they collect, store, manage, use, modify, disseminate and distribute such information. Once the information is transmitted from Roost to the CRA, that CRA will obtain an ownership interest in that data.

The delinquency of a payment owed by a User may negatively impact a User’s credit score. Roost shall not be liable for any claims, charges, demands, damages or adverse impacts on a User’s credit score or credit history if a User ceases using Roost’s services and does not complete a loan repayment or has default payments.

Service Fees

Users are able to access the monthly on-time rent reporting service free of charge with their Blue subscription, provided their Landlord or Housing Provider has entered into a written service agreement directly with Roost.     

Termination of the service

You may cancel rent payment reporting at any time within the App or by contacting support@joinroost.com.   

Roost reserves the right to deny service to any person or entity at Roost’s sole and absolute discretion. You acknowledge and agree that Roost may stop providing the Service or restrict your use of the Service at any time, without notifying you in advance, for any reason or no reason, including, without limitation, it is required by law to terminate your account, Roost decides to discontinue the service, you have past due rent payment by 30 days or more, violation of Roost terms of use, or if Roost suspects that you have used any aspect of the Service to conduct any fraudulent or illegal activity. If Roost disables your access to your account, you may be prevented from accessing the Service, your account details or any materials contained in your account. 

Dispute of credit reporting information by customer

Notice of dispute

A User may dispute an entry on their credit report derived from information provided by Roost to a credit reporting agency by notifying the agency directly, or by notifying Roost at support@joinroost.com, by mail or by other means available to the User. The User shall provide the following information as part of any dispute:

• Name of User
• A brief description of the disputed information
• Address of User or other means for Roost to contact User with results of investigation

Investigation of disputed information

Upon receipt of a notice of dispute from a User, Roost will, free of charge, conduct a reasonable investigation and make a determination of the status of the disputed information within thirty (30) business days of receipt of the notice of dispute from the User. The investigation shall include, but is not limited to, all relevant information provided by the User. The determination shall be one of the following three options:

1. The dispute is frivolous or irrelevant and the information originally provided is accurate;
2. The disputed information is inaccurate; or
3. More information is necessary to make a final determination regarding the disputed information.

Notification of determination

Once a final determination has been made regarding the disputed information, Roost will notify the User for that purpose, by other means available to Roost and/or a third-party financial institution within five (5) business days of the determination regarding the disputed information.

If Roost determines that the dispute is frivolous or irrelevant, Roost shall notify the User by email or, if authorized by the User for that purpose, by other means available to Roost. Said notice shall include:

1. The reasons for the determination; and
2. Identification of any information required to investigate the disputed information.

If Roost determines that the disputed information is inaccurate, Roost shall notify the User by email or, if authorized by the User for that purpose, by other means available to Roost within five (5) business days of the determination and will promptly notify all CRA’s to which Roost provided said information and request that they delete or modify the information as appropriate.

If Roost determines that more information is necessary to complete its investigation, Roost will notify the User, and the User’s counterparty if necessary, and request additional information from them to help make a final determination as to the disputed information. Upon receipt of the additional information, Roost shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute by Roost under this section. Notice of said determination shall be forwarded to the User as described above.

Duty to report voluntary closing of credit accounts

If a user voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623(a)(4).

Your rights under the fair credit reporting act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

• You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
• You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days.
• In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See https://www.consumerfinance.gov/learnmore for additional information.
• You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
• You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See https://www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old.
• Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
• You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to https://www.consumerfinance.gov/learnmore
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report.Unsolicited “prescreened” offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
• The following FCRA right applies with respect to nationwide consumer reporting agencies:
  CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
  You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
• You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
• Identity theft victims and active-duty military personnel have additional rights. For more information, visit https://www.consumerfinance.gov/learnmore

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.

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