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    Terms of Service · Comprehensively reviewed on ToS;DR

    Is Credit Karma's Terms of Service safe?

    E

    ToS;DR Grade E · Very serious concerns

    Updated July 10, 2023

    According to ToS;DR, Credit Karma is rated Grade E. Approved analysis includes 1 blocker and 12 concerning points. ToS;DR marks this service as comprehensively reviewed. Top issues: Sensitive data is collected and shared to target advertising; This service forces users into binding arbitration in the case of disputes; You are forced into binding arbitration in case of disputes.

    Blockers

    1

    Bad

    12

    Good

    4

    Official documentTerms of Service
    Full analysisView on ToS;DR

    Top concerning points

    1. 1.

      Sensitive data is collected and shared to target advertising

      blocker
      High

      Sensitive data refers to information requiring special protection, such as health data, political and religious beliefs, ethnic origins, sexual life and financial information. The service collects and shares this data with third parties for advertising or marketing.

      Source quote / document
    2. 2.

      This service forces users into binding arbitration in the case of disputes

      bad
      High

      This service forces users to use their own contracted arbitrator and forces users to waive their rights to jury trial.

      Source quote / document
    3. 3.

      You are forced into binding arbitration in case of disputes

      bad
      High

      This service forces users to use their own contracted arbitrator and forces users to waive their rights to jury trial.

      Source quote / document
    4. 4.

      This service gives your personal data to third parties involved in its operation

      bad
      High

      Your personal data is or may be given to third parties essential to the service’s operation. This could be an external spam detection service for an internet forum.

      Source quote / document
    5. 5.

      You are tracked via web beacons, tracking pixels, browser fingerprinting, and/or device fingerprinting

      bad
      High

      Tracking technologies (such as web beacons, tracking pixels...) are employed on users and/or the service assigns a unique ID to a browser or device to track its behaviour.

      Source quote / document
    6. 6.

      This service reserves the right to disclose your personal information without notifying you

      bad
      High

      If the Government governing the Terms requests personal data of a user of this service, they may not inform/notify the user while complying with the request.

      Source quote / document
    7. 7.

      Terms may be changed any time at their discretion, without notice to you

      bad
      High

      The Agreements can be updated at any time, including in a way that negatively affects user rights, without notifying before or after the changes.

      Source quote / document
    8. 8.

      Information is gathered about you through third parties

      bad
      High

      This Service may employ, either identifiable or non-identifiable, data collection from third party sources about you.

      Source quote / document

    Frequently asked questions

    What is Credit Karma's ToS;DR privacy grade?
    ToS;DR rates Credit Karma as Grade E. Grades range from A (best) to E (worst). See the full breakdown on ToS;DR.
    Is Credit Karma's Terms of Service safe?
    ToS;DR's Grade E means the terms raise serious concerns. Read the blocker and bad points carefully before accepting.
    What is a top concern in Credit Karma's terms?
    Sensitive data is collected and shared to target advertising — Sensitive data refers to information requiring special protection, such as health data, political and religious beliefs, ethnic origins, sexual life and financial information. The service collects and shares this data with third parties for advertising or marketing. (Source: ToS;DR approved point).
    Where can I read Credit Karma's official terms?
    ToS;DR tracks "Terms of Service" at https://www.creditkarma.com/about/terms. Always prefer the official document over summaries.

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    Ratings and points from ToS;DR (open data). Termwise is not affiliated with ToS;DR. This page is informational, not legal advice. Always read the official document.