The Products (as defined below) available on this TransUnion© site (the "Site") are provided by TransUnion Interactive, Inc., a Delaware corporation ("TUI") and a corporate affiliate of TransUnion of Canada, Inc. ("TransUnion"). TransUnion is the supplier of credit data to TUI for use in connection with the Products. TUI may make arrangements with one or more third parties, including TransUnion, to provide the Products to you or to sell you Products provided by a sub-contractor or independent third party provider(s). TUI, TransUnion and any such third parties are referred to as herein collectively as "supplying", "we", "us" and "our". The Site provides data and other information on consumer credit reports ("Content") and other services such as personal credit profiles and scores and credit monitoring ("Product(s)").
The Site, the Content and the Products are provided to you subject to your agreement to be bound by these terms and conditions of purchase ("Terms of Purchase"). BY ACCESSING THE SITE AND PURCHASING THE PRODUCTS, YOU AGREE TO BE BOUND BY THESE TERMS OF PURCHASE. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS OF PURCHASE, DO NOT ACCESS OR USE THE SITE AND DO NOT PURCHASE ANY PRODUCT.
Purchase order requests and purchases of our Products may only be made by persons who reside in Canada, and have reached the age of majority in the jurisdiction in which they reside and who have the capacity to contract.
Online ordering of Products requires the use of a secure browser. Your Internet browser must support SSL (Secure Sockets Layer) with 128-bit encryption.
From time to time, we may offer you a trial period in respect of specific Products. These Terms of Purchase will apply to such offers, along with any additional terms and conditions that accompany the offer, unless you are notified otherwise. The terms of any trial are specific only to the Product subject to the trial. Subject to the terms of the trial offer, TUI will verify your billing information before processing your order. An authorization will be requested from your billing account to make sure it is valid and in good standing. In addition, if your trial offer includes a credit report or credit score for a reduced, introductory fee, your credit card will be charged a non-refundable introductory fee, plus any applicable sales tax. Subject to the terms of the trial offer, TUI will not bill your account for the monthly credit monitoring fee until the relevant trial period is completed and you have not cancelled your subscription during such trial period as provided below. If you upgrade to a new monitoring subscription during a trial, you will lose all benefits of the trial and will be billed immediately for the upgraded service. You may cancel your subscription at any time during the trial period without charge.
For users outside of Quebec: If you wish to continue your subscription, do nothing and your subscription will automatically continue without interruption billable monthly at the then prevailing rate.
For users who are resident in Quebec: If you wish to continue your subscription, you must renew your subscription in response to our renewal notice, following which your subscription will be billable monthly at the then prevailing rate.
If you do not cancel prior to the end of the trial period, or for residents of Quebec, if you renew your subscription, the applicable monthly fee (plus sales tax, if applicable) will be charged at the conclusion of the trial period to the credit card or bank account you designated as your preference or, if you have not designated a preference, the account that you have most recently used on the Site and your subscription will continue automatically, billable monthly at the then prevailing rate. To cancel your subscription please contact our Customer Service Team.
For contact information and hours of service go to https://members.transunion.ca/tucan_en/support.page?
When you become a member entitled to credit monitoring, you understand that it is a membership that automatically continues every month indefinitely without action by the member on the anniversary day of your initial purchase. The monthly membership fee will be billed to the credit, debit or bank account that you designated as your preference, or if you have not designated a preference, to the account you have most recently used on the Site. Should the billing fail to authorize, you will be notified via email. The benefits of your membership (including, without limitation, online credit reports and daily monitoring alerts) will be suspended until payment is received, provided payment is received within 25 days. If payment is not received within 25 days, your membership will be cancelled. An enrollee whose membership fee has been paid is entitled to all privileges included in their membership until the membership is canceled by the enrolled member or otherwise terminated as described in this document. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member’s data through the Site, and the other benefits as provided under these Terms of Purchase. This could include any credit data and analyses that have been displayed during the membership. A member may cancel at any time. Should you decide to cancel your subscription a Customer Service representative can arrange for all future renewal fees to be canceled. However, please note that neither full nor pro-rated refunds will be given for the current month. You will retain access to your membership until the end of the current month in which you terminate. Any trial is available one time only per customer. Once any trial has been canceled all subsequent orders of the Product subject to that trial will be billable at the prevailing monthly subscription rate.
TransUnion credit monitoring is a monthly membership. Credit alerts, TransUnion credit reports, credit scores and debt analysis are available at your discretion as part of the TransUnion credit monitoring offering, but are subject to a limit of one new credit report, together with related credit score and debt analysis, every 24 hours.
When you become a member entitled to TransUnion Credit Monitoring, you understand that it is a membership that automatically continues every month indefinitely without action by the member on the anniversary day of your initial purchase. The monthly membership fee will be billed to the credit card that you designated as your preference, or if you have not designated a preference, to the credit card you have most recently used on the Site. Should the billing fail to authorize, you will be notified via email. The benefits of your membership (including, without limitation, online credit reports and daily monitoring alerts) will be suspended until payment is received, provided payment is received within 25 days. If payment is not received within 25 days, your membership will be cancelled. An enrollee whose membership fee has been paid is entitled to all privileges included in the membership until the membership is canceled by the enrolled member or otherwise terminated as described in this document. Upon cancellation, the member loses access to the areas of the Site designated for members only and loses access to the member’s data and other benefits as provided under these Terms of Purchase. This could include any credit data and analyses that have been displayed during the membership. A member may cancel the automatic renewal at any time prior to the next renewal date by notifying us via the toll-free number set forth in the Site for cancellations. A Customer Service representative can arrange for all future renewal fees to be canceled. To the maximum extent permitted by applicable law, cancellation or termination will not entitle you to any refund, including but not limited to a refund pro-rated for the then-current month. You will retain access to your membership until the end of the current month in which you terminate.
If your Product selection includes identity theft insurance, the identity theft insurance benefit is underwritten and administered by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively referred to as, "AIG") under a master group policy issued to TransUnion for the benefit of credit monitoring members. The complete policy is available from TUI on request. AIG administers all claims and TUI shall have no responsibility with respect to such identify theft benefit. A summary of the terms of coverage are set forth in the document located at https://www.transunion.ca/aig-summary
After an identity verification process, we will display the Products that you have selected to purchase and you understand that: (a) a fee is charged for the provision of these Products and that payment of this fee does not guarantee the completeness and/or accuracy of the information supplied; and (b) you have the right to dispute inaccurate information by contacting the consumer reporting agency directly. TUI is not able to control the information held by any third party consumer reporting agency. Neither you nor any credit repair company or credit service organization has the right to have accurate, current and verifiable information removed from your credit profile, score or other Products. Consumer reporting agencies generally investigate your dispute within the delay specified under consumer reporting legislation and send you a letter indicating the results of the investigation. This will be mailed to you using a carrier such as Canada Post. Please allow 7-10 business days for mail delivery following the completion of the investigation.
We cannot guarantee that Products advertised on this Site will be available to you when you submit a purchase order or at any time thereafter or will be free of misprints or other errors. We reserve the right, at any time, without notice or liability to you or any other person, to no longer make Products available, change Products, prices, fees, service and other charges and to limit quantities of Products. If you submit a purchase order for which the price was incorrectly displayed or for which a Product and service has been improperly described, or the Product and service has changed we will give you the opportunity to cancel the order. If you submit a request for Products that are not available this will be indicated on this Site at the time of making the request. TUI reserves the right to reject any submitted purchase order.
You agree to pay for all purchased Products, all applicable taxes and shipping charges. All prices, payments, shipping and associated costs for Products are in Canadian dollars.
The advertisements on this Site are invitations to submit purchase orders and are not offers to sell. The fully and properly completed and submitted purchase order constitutes your offer to purchase the Product identified in your submitted purchase order. Your submitted purchase order shall be deemed to be accepted by us only if and when we send a purchase order acceptance to your e-mail address. Should you not receive a response from us regarding a submitted purchase order request, or if you experience a service interruption or error display, or other problem, it is your responsibility to confirm with us whether your purchase order has been submitted to us. We will not be responsible for any losses attributable to an assumption by you that a purchase order was not submitted because no response or acceptance was received by you.
The Site may contain links to third party websites, including to TransUnion’s website. TUI does not represent, guarantee, or endorse any website that you may access from this Site. In addition, if we provide a link to a website, we do not represent, guarantee, or endorse the company or any of its services or offerings. Links contained on this Site are provided solely as a convenience to you. When you access a non-TUI website, please understand that the linked website and its content are not under our control. TUI is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.
User accounts on this Site require the use of a unique login name and password. Passwords should not be obvious and should be changed regularly. You agree not to share your login name and password with any other person. You agree that you shall keep your login name and password confidential and that you shall not disclose the user login name and password to any person or allow any person to use it unless you obtain our express written authorization. You shall immediately notify us if there has been any unauthorized use of your login name and password, if it has become known to another person or if it has been lost or stolen or otherwise compromised. You agree to respond promptly to all complaints and concerns relating to the use of your login name or password or your use of this Site. You agree that you are solely responsible and liable for any use or misuse of your login name and password and for all transactions or other activities that occur under your login name and password. The security and privacy provided by using login names and passwords is not absolute and can be compromised. Your use of the login name and password is at your own risk. Please refer to the FAQs for additional information on how to create a good username and password.
You agree that all the information you provide to us shall be true, accurate, complete and current. You shall immediately notify us of any changes in the information you provided to us including registration, billing, payment, shipment and other transaction related information. We will rely on the information you provide. We assume no responsibility or liability for any damages that result from any false, inaccurate or incomplete information provided by you or your failure to update your information. You agree that you will be solely liable for all costs, losses and damages that you or us or any third person incurs as a result of your submission of any false, inaccurate, or incomplete information or your failure to update your information.
You can only order your own Products. It is illegal to obtain information on a consumer other than yourself from us. BY CLICKING AGREE AND SUBMIT ORDER, YOU CERTIFY THAT YOU ARE THE PERSON WHOSE PERSONAL INFORMATION OR CREDIT INFORMATION IS BEING REQUESTED.
Except as expressly provided in these Terms of Purchase, any reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on the Site, the Content and/or the Products in whole or in part, and any decompilation, disassembly, reverse engineering or other exploitation of the Site or the Products is strictly prohibited. You acquire absolutely no rights or licenses to the Site, the Content or the Products other than the limited right to use the Site, the Content and the Products in accordance with these Terms of Purchase. We reserve the right to suspend or terminate your use of the Site, the Content or the Products immediately, without notice, in our sole discretion. You may not frame the Site, the Content or the Products or any part thereof on any commercial or non-commercial internet website.
Whenever new products or services are introduced on the Site as part of the Products, your use of such Products will be subject to these Terms of Purchase unless we notify you otherwise.
We reserve the right, in our sole discretion, to modify or update the entirety of these Terms of Purchase, or any portion of them, at any time and from time to time. Without limiting the foregoing, we may modify our price, payment terms, system requirements, the trial period, membership and renewal terms, the Products, and other elements of these Terms of Purchase.
We will notify you of any changes to these Terms of Purchase by notice on this Site at least thirty (30) days before the modification comes into effect. In addition, if you have subscribed, we will provide you notice using email and/or your mailing address, or any other contact information we have for you in our discretion. Where required by law, this notice will be provided at least thirty (30) days before the change comes into effect (or such longer period as may be required by applicable law) and will set out the new clause, or the modified clause and how it read formerly, and the date on which the change will come into effect. Before the change comes into effect, you may cancel this agreement rather than accept the change. To the fullest extent permitted by law, as your sole remedy and where required by law, you may refuse the modification and rescind, or cancel the this agreement without cost, penalty, cancellation fee or cancellation indemnity, by providing us with notice to that effect no later than thirty (30) days after the modification comes into force, using the information in the notice, if the change results in increased obligations to you or a reduction of obligations on us. To the fullest extent permitted by applicable law, your continued access to and/or use of the Product(s) after the date specified in such notice constitutes your full acceptance of, and agreement to be legally bound by, these Terms of Purchase, as modified.
Your continued use of this Site and/or the Product(s) following notice of such change means that you agree to and accept these Terms of Purchase as amended. If you do not agree to any modifications of these Terms of Purchase, you must immediately stop using this Site, and the Product(s).
By accessing and using this Site, ordering the Products and/or contacting our call center, you are consenting to the collection, use and disclosure of your personal information in accordance with the Privacy Statement.
In order to deliver the Products to you, we must obtain your credit information and other personal information from TransUnion. By accessing the Site and using the Products, you agree to these Terms of Purchase and our Privacy Statement and you consent to TUI, on the date you agree to these Terms of Purchase, and from time to time thereafter during the period of your subscription: a) disclosing your personal information to TransUnion to request your credit information and use it to confirm your identity and display your credit information, including your information establishing your identity (e.g. name, date of birth, and contact information), information related to your financial products, and information about your financial and credit history and worthiness, including your credit report and score; and b) periodically requesting and updating your credit information from TransUnion while you have access to the Products. You may contact TransUnion at:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PRODUCTS OFFERED ON THIS WEB SITE ARE PROVIDED "AS IS", WITH NO REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, OR NON-INFRINGEMENT. USE OF THIS SITE, THE CONTENT AND THE PRODUCTS IS AT YOUR OWN RISK. NEITHER TRANSUNION, TUI NOR OUR SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, OR TIMELINESS OF THE SITE, THE CONTENT OR THE PRODUCTS. TRANSUNION, TUI AND/OR OUR SUPPLIERS DO NOT ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THE SITE, THE CONTENT OR THE PRODUCTS
THE SITE, CONTENT AND PRODUCTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND ARE NOT INTENDED TO PROVIDE FINANCIAL ADVICE TO YOU AND YOU SHOULD NOT RELY UPON THEM TO PROVIDE ANY SUCH ADVICE. YOU SHOULD SEEK THE ADVICE OF PROFESSIONALS REGARDING THE EVALUATION AND VERIFICATION OF ANY CONTENT OR PRODUCTS PROVIDED ON THE SITE AND, IN ANY EVENT, PRIOR TO MAKING ANY FINANCIAL DECISIONS BASED ON THEM.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, NEITHER TRANSUNION, TUI NOR OUR SUPPLIERS MAKE ANY REPRESENTATION OR WARRANTY THAT: (I) THE PRODUCTS OR ANY COMPONENT THEREOF WILL BE COMPATIBLE WITH YOUR COMPUTER, MOBILE OR OTHER DEVICE AND/OR SOFTWARE; (II) PRODUCTS OR ANY COMPONENT THEREOF WILL BE AVAILABLE OR WILL FUNCTION WITHOUT INTERRUPTION OR ERROR; (III) PRODUCTS OR ANY COMPONENT THEREOF, INCLUDING, WITHOUT LIMITATION, THE BROWSING AND DOWNLOADING OF ANY INFORMATION OR MATERIAL, WILL BE FREE OF ANY VIRUSES, TROJAN HORSES, WORMS OR OTHER DESTRUCTIVE, INTRUSIVE OR DISRUPTIVE COMPONENTS; (IV) THE TRANSMISSION OF INFORMATION TO AND FROM A WEBSITE WILL BE SECURE; (V) PRODUCTS OR ANY COMPONENT THEREOF WILL NOT INFRINGE THE RIGHTS (INCLUDING, WITHOUT LIMITATION, INTELLECTUAL PROPERTY RIGHTS) OF ANY PERSON OR ENTITY; OR (VI) THE USE OF PRODUCTS OR ANY COMPONENT THEREOF WILL NOT CAUSE ANY DAMAGE TO YOUR COMPUTER, MOBILE OR OTHER DEVICE, SOFTWARE OR ELECTRONIC FILES.
ANY PRODUCTS AND/OR SERVICES DESCRIBED ON A WEBSITE OR ANY COMPONENT OF A WEBSITE ARE OFFERED IN JURISDICTIONS WHERE THEY MAY BE LEGALLY OFFERED. THE INFORMATION AVAILABLE ON OR THROUGH A WEBSITE IS NOT AN OFFER OR SOLICITATION BY ANYONE IN ANY JURISDICTION IN WHICH AN OFFER OR SOLICITATION CANNOT LEGALLY BE MADE, OR TO ANY PERSON TO WHOM IT IS UNLAWFUL TO MAKE A SOLICITATION.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TRANSUNION, TUI AND/OR OUR SUPPLIERS DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THE SITE, THE CONTENT AND THE PRODUCTS WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OR THAT THE SITE, THE CONTENT AND/OR THE PRODUCTS ARE OR WILL BE ERROR-FREE OR WILL OPERATE WITHOUT INTERRUPTION. IN NO EVENT WILL TRANSUNION, TUI AND/OR OUR SUPPLIERS BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR ANY DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE DAMAGES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES), WHETHER OR NOT TRANSUNION, TUI AND/OR OUR SUPPLIERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THE SITE, THE CONTENT OR THE PRODUCTS.
Certain names, words, titles, phrases, logos, designs, graphics, icons and marks displayed on the Site, in the Content or with the Products may constitute trade-marks or trade names of TransUnion, TUI or our licensors. Title to the Site, the Content and the Products and the trade-marks or trade names displayed on the Site remains with TransUnion, TUI and/or our licensors. Nothing contained in these Terms of Purchase or on the Site shall be construed as conferring by implication, estoppel or otherwise any license or right to use any trade-marks, trade-names, copyright or other intellectual property rights of TransUnion, TUI and/or our licensors. Any unauthorized use of the Site, the Content or the Products or the trade-marks, trade names, copyright or other intellectual property rights of TransUnion, TUI or our licensors is strictly prohibited, and we reserve the right to take such steps as we deem necessary, including legal action, to enforce such rights.
You agree to use the Site, the Content and the Products for lawful purposes only and in a manner consistent with all applicable local, national or international laws, rules and regulations. Potential users in any jurisdiction where laws (whether common or statutory) would: (i) void these Terms of Purchase in whole or in any essential part (the essential parts being at least, but not only, the provisions relating to the governing law and the disclaimer and limitation of liability); or (ii) render accessing the Site or the Content, or using the Products, illegal, are not authorized to use the Site, the Content or the Products.
Because you can access the Site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States, Canada or the country of your residence.
The materials in this web site are designed for use by residents of Canada.
For users who are not resident in the Province of Quebec: these Terms of Purchase shall be governed, interpreted, and enforced according to the laws of the Province of Ontario, Canada, regardless of conflict of laws rules.
For users who are resident in the Province of Quebec: these Terms of Purchase shall be governed, interpreted, and enforced according to the laws of the Province of Quebec, Canada, regardless of conflict of laws rules.
The credit reports provided or requested through our Site are not intended to constitute the disclosure of information by a consumer reporting agency as required by the Consumer Reporting Act (Ontario) or similar laws. A "consumer disclosure" is a credit report that only you can access. Creditors do not have access to this version. A consumer disclosure is a complete account of all your information in the files of a credit reporting company, as mandated by consumer reporting legislation. Unlike a credit report obtained through this Site, a consumer disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries and your own inquiries.
Provincial consumer reporting legislation outlines a consumer's right to obtain a copy of their consumer disclosure from consumer reporting agencies, free of charge, by requesting this information to be supplied through the mail. This service is available by contacting the consumer reporting agencies (such as, TransUnion) directly.
You agree that your use of the Site, the Content or the Services shall not be made the basis for any claim, suit, demand or cause of action or other proceeding against TransUnion, TUI and/or their licensors. You agree, at your own expense, to indemnify and hold TransUnion, TUI and/or their directors, officers, employees, representatives, agents and licensors harmless against any claim, suit, demand, action or other proceeding brought against us, our directors, officers, employees, representatives, agents and licensors by a third party as a result of your breach of these Terms of Purchase.
If any provision of these Terms of Purchase is held by a court of competent jurisdiction in any jurisdiction to be illegal, invalid or unenforceable, such provision shall be deemed to be severable and the remaining provisions shall remain in force and effect.
No waiver of any of these Terms of Purchase shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
By accessing this Site or sending electronic mail to us you are communicating with us electronically. By doing so, you agree to receive communications from us electronically. We will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this Site or any other website that may be generally designated in advance for such purpose. You consent to receiving electronically all agreements, notices, disclosures and other communications that we provide to you.
Without limiting our other rights of termination under these Terms of Purchase, we may, in our sole and absolute discretion, change, suspend or terminate, temporarily or permanently, Site, the Product(s), or any component thereof, or any of its features at any time, for any reason, without any notice, other than as required by applicable law, or liability to you or any other entity. If you are an existing subscriber, we will notify you of a termination of the Products you have subscribed to as may be required by applicable law.
If this Agreement or your permission to use the Site or a Product is terminated by us for any reason, the agreement formed by your acceptance of these Terms of Purchase will nevertheless continue to apply and be binding upon you in respect of your prior use of our Site and Product(s) and anything relating to or arising from such use.
Copyright (c) 2019 TransUnion Interactive, Inc. All Rights Reserved. Except as otherwise stated, TransUnion, TUI or their respective related companies own all content contained in this Site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Site Content"). The Site Content is protected by copyright laws of the United States, Canada and other countries. The Site Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without our prior written permission. You may print or download portions of material from the Site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.
If you have any questions about the Products offered on this Site, or these Terms of Purchase, you may contact TUI at
For further assistance, you may also click here for our Customer Service hours of service.
Last Revised: April 2019