Terms & Conditions

Terms of use


The “VideoCreditScore Site” is the Website located at www.VideoCreditScore.com together with its related websites.

“Us” and “We” means the VideoCreditScore Site.

“You” means you, the user of the VideoCreditScore Site and “Your” shall be interpreted accordingly.

“User Information” means the personal details, which may be provided by You to Us via the VideoCreditScore Site.

“Users” means the users of the VideoCreditScore Site collectively and/or individually as the context admits.

“Website” means a site on the World Wide Web.


These Terms of Use shall apply to Your use of the VideoCreditScore Site located at www.VideoCreditScore.com and its related channels.

Acceptance of terms

By using the VideoCreditScore Site You agree to be bound by the terms and conditions set out below. If You do not wish to be bound by these terms and conditions, You should not use the VideoCreditScore Site.

We may change these Terms of Use from time to time and so you should check these regularly. Your use of the VideoCreditScore Site will be deemed an acceptance of the terms existing at that time.

Acceptable use

You agree that any use by You of the VideoCreditScore Site shall be in accordance with the following conditions:

You will not copy, download, reproduce, republish, frame, broadcast, transmit in any manner whatsoever, any material on the VideoCreditScore Site except as is strictly necessary for Your own personal non-commercial home use unless otherwise agreed in writing with VideoCreditScore.

You will not do anything that affects the operability or security of the VideoCreditScore Site or causes unreasonable inconvenience or offense or disruption to our staff.

You will not post or transmit through the VideoCreditScore Site any defamatory, threatening, obscene, harmful, pornographic or otherwise illegal material or material which would violate or infringe in any way upon our rights or those of others (including intellectual property rights, rights of confidentiality, or rights of privacy) or cause distress or inconvenience. You must not express opinions that are vulgar, crude, sexist, racist or otherwise offensive. Always treat other Users with respect.

You will not post or otherwise make available on the VideoCreditScore Site any material, which You do not own without the express permission of the owner of the material.

You will abide by the specific rules of any competition or promotion that You participate in on or via the VideoCreditScore Site.

Intellectual property

All copyright, trade marks and all other intellectual property rights in all material or content supplied as part of the VideoCreditScore Site shall remain at all times vested in Us or Our licensors.

You are permitted to use this material or content only as expressly authorized in writing by Our licensors or Us.

You will not, and You will not assist or facilitate any third party to, copy, reproduce, transmit, distribute, frame, commercially exploit or create derivative works of such material or content.

If You become aware of any such distribution or commercial exploitation, You agree to notify Us immediately.

You acknowledge that by posting materials on the VideoCreditScore Site You grant to Us and Our licensors and assigns an irrevocable, perpetual, royalty free, worldwide license to use the materials both within the VideoCreditScore Site and in any other manner. The license extends to copying, distributing, broadcasting, and otherwise transmitting, and adapting and editing the materials.

Contributions to VideoCreditScore

Where you are invited to submit any contribution to VideoCreditScore (including any text, photographs, graphics, video or audio) you agree, by submitting your contribution, to grant VideoCreditScore a perpetual, royalty-free, non-exclusive, sub-licensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, play, make available to the public, and exercise all copyright and publicity rights with respect to your contribution worldwide and/or to incorporate your contribution in other works in any media now known or later developed for the full term of any rights that may exist in your contribution, and in accordance with privacy restrictions set out in VideoCreditScore ‘s Privacy Policy. If you do not want to grant to VideoCreditScore the rights set out above, please do not submit your contribution to VideoCreditScore.

By submitting your contribution to VideoCreditScore, you warrant that your contribution;

* is your own original work and that you have the right to make it available to VideoCreditScore for all the purposes specified above;

* is not defamatory; and

* does not infringe any law;

You will indemnify VideoCreditScore against all legal fees, damages and other expenses that may be incurred by VideoCreditScore as a result of your breach of the above warranty; and

You will waive any moral rights in your contribution for the purposes of its submission to and publication on VideoCreditScore website and the purposes specified above.


You agree that your use of the VideoCreditScore site shall be at your own risk. To the fullest extent permitted by the law, VideoCreditScore, it’s officers, directors, employees and agents, disclaim all warranties, express or implied, in connection with the website and your use thereof.

VideoCreditScore makes no warranties or representations about the accuracy or completeness of this site’s content and assumes no liability or responsibility for any i) errors, mistakes or inaccuracies of content, ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and your use of the VideoCreditScore website, iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; iv) any loss or damage (whether such losses where foreseen, foreseeable, known or otherwise): (a) loss of data; (b) loss of revenue or anticipated profits; (c) loss of business; (d) loss of opportunity; (e) loss of goodwill or injury to reputation; (f) losses suffered by third parties; or (g) any indirect, consequential, special or exemplary damages arising from the use of VideoCreditScore website regardless of the form of action.

Limitation of our Liability

VideoCreditScore content, including the information, names, images, pictures, logos and icons regarding or relating to VideoCreditScore, its products and services (or to third party products and services), is provided “AS IS” and on an “IS AVAILABLE” basis without any representations or any kind of warranty made (whether express or implied by law) to the extent permitted by law, including the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

We will endeavor to provide the VideoCreditScore Site using all reasonable care. Except as required by law, We will not be responsible or liable for the quality, accuracy or fitness for a particular purpose of the VideoCreditScore Site and do not promise that the material contained in the VideoCreditScore Site, or any of the functions contained in the VideoCreditScore Site or its server will operate without interruption or delay or will be error free, free of viruses or bugs or is compatible with any other software or material.

Material which is posted on any blogs, bulletin boards or chat forums is written by Users and We are not responsible for and do not endorse such material. We reserve the right to monitor the contributions made and may respond to or comment upon communications made by You and edit, refuse to post, or remove any content from the blogs, bulletin boards and chat forums in our absolute discretion. No failure to remove particular material constitutes an endorsement or acceptance of it by Us.

We will not be held responsible for statements, advice and/or opinions made or given by Users on the blogs, bulletin boards and chat forums (except as required by law). If You have any claim arising from the actions or statements of another User, You agree to pursue such a claim only against that User and not from Us.

The VideoCreditScore website is provided by VideoCreditScore from its facilities in the United States. VideoCreditScore makes no representations that the VideoCreditScore Website is appropriate or available for use in other locations. Those who access or use the VideoCreditScore Website from other jurisdictions do so at their own volition and are responsible for compliance with local law.

Third Party websites

You acknowledge and agree that We are not responsible for the availability of any third party Websites or material You access through the VideoCreditScore Site.

We do not endorse and shall not be held responsible or liable for any content, advertising, products or services on or available from such Websites or material.

Any dealings between You and any third party advertisers or merchants found on or via the VideoCreditScore Site, including payment for and delivery of products, services and any other terms, conditions, warranties or representations associated with such dealings, are made between You and the relevant advertiser or merchant. Therefore, We are not responsible or liable for any loss or damage of any kind incurred as the result of any such dealings.


We shall comply with all applicable US data protection legislation from time to time in place in respect of any personal information relating to You gathered by Us.

You may be asked to input information about yourself on different pages of the VideoCreditScore Site. We will not use the information You provide to Us for any purpose that is not set out in Our Privacy Policy, other than as stated at each location where such information is requested.


We reserve the right immediately to terminate Your use of the VideoCreditScore Site if You breach or We have reasonable grounds to believe that You are likely to breach these terms and conditions or You otherwise engage in conduct that We determine in Our sole discretion to be unacceptable.


If any of these terms are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force and effect and continue to be binding and enforceable.


If any provision of the Terms is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions.


You agree to indemnify and hold harmless VideoCreditScore from and against any and all claims, losses, expenses, demands or liabilities, including attorneys’ fees and costs, incurred by the VideoCreditScore in connection with any claim by a third party (including any intellectual property claim) arising out of your use of the Site, the Content, and/or the Products in violation of this Agreement or in violation of any applicable law or regulation. You further agree that you will cooperate fully in the defense of any such claims. VideoCreditScore reserves the right, at their own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without the written consent of VideoCreditScore.

Governing Law

These terms shall be governed by and interpreted in accordance with the laws of the United States and the state of California.

Without limiting any of the terms and conditions set forth in the VideoCreditScore Terms of Use, VideoCreditScore makes the following specific disclaimers for the following categories of information:

Credit, Investment & Financial information

The VideoCreditScore content located on this VideoCreditScore Site should not be interpreted as credit, financial or investment advice nor should it be interpreted as creating any kind of credit/financial/investment advisor relationship. You should NOT rely upon the credit,financial and investment information or opinions provided herein and You should conduct Your own independent research and consult with Your personal investment advisor and/or a credit counseling specialist before making a credit, investment or financial decision. You are solely responsible for any credit, investment and financial decisions, omissions or actions You take. Neither VideoCreditScore, its parent, its affiliates, nor any of their respective agents, employees, information providers or content providers shall have any liability for Your credit/financial/investment decisions based upon, or the results obtained from, the VideoCreditScore content. VideoCreditScore is not a credit counseling service center and does not promise to improve credit scores, lower borrowing rates, improve credit reports, nor secure loans. VideoCreditScore is not an Identity Theft resolution center and does not offer information, services or products that guarantee consumers will not be victims of identity theft (as no service or product can make such guarantee).

The VideoCreditScore content located on this VideoCreditScore Site should not be interpreted as legal advice nor should it be interpreted as creating any kind of attorney-client nor legal advisor relationship. You should NOT rely upon the legal information or opinions provided and You should consult with Your personal legal advisor because this Website is not a substitute for an in-person consultation with an attorney as the applicability of the legal principles discussed at this website may differ substantially in individual situations or in different states or countries. You are solely responsible for any legal decisions, omissions or actions You take. Neither VideoCreditScore, its parent, its affiliates, nor any of their respective agents, employees, information providers or content providers shall have any liability for Your legal decisions based upon, or the results obtained from, the VideoCreditScore content.

VideoCreditScore Site is owned and operated by Roxology, LLC which is a registered company in San Francisco.

Fair Isaac, myFICO and FICO are trademarks and/or registered trademarks of Fair Isaac Corporation. TrueCredit is the trademark of TransUnion Interactive, Inc. freecreditreport.com, Triple Advantage are trademarks of ConsumerInfo.com and Experian, Inc.