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Terms & Conditions

Last Revision Date: 10/01/2024

OVERVIEW AND ACCEPTANCE OF TERMS

You agree that by creating an account with Nav Technologies, Inc. (“Nav”), or accessing or using our Services and Websites (as defined below), you represent to Nav that you have read, understood, and expressly consent and agree to be bound by this Terms of Use Agreement, and the terms, conditions, and notices contained or referenced herein (“Agreement”) whether you are a “Visitor” (which means that you simply browse or access a Website), or a “Customer” (which means that you have created an account with Nav, or enrolled or registered with a Website, or are accessing or using a Service).

At Customer’s election, Customer may, from time to time, request, receive, and Nav may provide, free services or services subject to a fee, whether a recurring fee or a one-time transactional fee (each a “Service”), and Customer’s receipt and use of such Services shall, at all times be subject to this Agreement. The Term “Service” includes, but is not limited to, the provision of any of Nav’s products and services, including consumer credit report(s), consumer credit risk score(s), commercial credit report(s), commercial credit risk score(s), consumer credit monitoring, commercial credit monitoring, consumer and commercial credit score monitoring and tracking (including all the data contained therein), the receipt of any alerts notifying you of changes contained in your consumer and/or commercial credit report(s), regardless of the manner in which you receive the Services, whether by email, through a website or mobile application, by telephone, or through any other mechanism by which the Service is delivered or provided to you. The term “you” or “User” refers to a visitor or Customer. For purposes of this Agreement, the terms “we,” “us,” or “Nav” refer to Nav Technologies, Inc, and referred to as Nav on the Websites, its predecessors in interest, successors and assigns, and any of its third party service providers (including, without limitation, cloud service providers and credit data providers) who Nav uses in connection with the provision of the Services to you.

THE SERVICES AND WEBSITES ARE SUBJECT TO ALL TERMS AND CONDITIONS CONTAINED HEREIN AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. YOUR ORDER OF, ACCEPTANCE OF, USE OF, AND/OR ACCESS TO, THE SERVICES AND WEBSITES CONSTITUTES YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ORDER, USE OR ACCESS ANY SERVICES AND WEBSITES, OR ANY OF THE INFORMATION WITHIN THE SERVICES AND WEBSITES, DISCARD ANY INFORMATION YOU RECEIVED IMMEDIATELY AND CALL CUSTOMER CARE TO CANCEL YOUR MEMBERSHIP.


PERMISSIBLE PURPOSE AND CONSENTS

You understand and agree that, by establishing an account with Nav, or submitting or enrolling for any Service, you have provided “written instructions” in accordance with the Fair Credit Reporting Act, as amended (“FCRA”), for Nav to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you while you have an account with Nav, and such information may be obtained from Experian Information Solutions, Inc., TransUnion, LLC, and/or Dun & Bradstreet, Inc. (“Credit Bureaus”) or any other credit reporting company. You understand and agree that, pursuant to such authorization, Nav may access your credit profile, including without limitation, your credit report, credit score(s) and other related information, to, among other things, verify your identity and to provide credit monitoring, credit scoring, credit score monitoring and tracking, or alerts for, among other things, dormant accounts, new accounts, inquiries, other changes to information contained in your credit report. You understand and agree that Nav may, from time to time, provide additional products, services, features, and/or functionality to you, and that they shall be offered pursuant to the same authorization that you provided to Nav for Nav to obtain your credit report and/or credit score(s) on a recurring basis to provide them to you to review while you have an account with Nav.

You further understand and agree that, by establishing an account with Nav, or submitting your order or enrolling for any Service, you have provided “written instructions” in accordance with the FCRA for Nav to obtain and use the information you have provided, and your credit report(s) and/or score(s) to notify you of credit opportunities and other products and services that may be available to you through Nav or through unaffiliated third parties (as explained in the section below entitled “General Description of Services”). You understand and agree that Nav receives compensation for the marketing of credit opportunities or other products or services available through third parties, and that this compensation may impact how and where such credit opportunities, products or services appear on a Website (including, for example, the order in which they appear).


AMENDMENTS

This Agreement may be updated from time to time. Online customers should check this website regularly for updates to this Agreement and the included Terms and Conditions. Each time you order, access or use any of the Services and Websites, you signify your acceptance and agreement, without limitation or qualification, to be bound by the then current Agreement and included Terms and Conditions.


GENERAL DESCRIPTION OF SERVICES

The Services and Websites are meant to provide you a means to review your personal and business finance and/or credit information for educational purposes only, and to manage if and to the extent you so choose, and may notify you of commercial credit opportunities and other products and services that may be available to you and your business entity through Nav or through third parties (such as, among other things, advertisements or offers for available credit cards, loan options, business products or services, or credit related products or services and other offers to you and/or your business entity, the ability to track and collect certain credit information specific to you and/or your business entity, including but not limited to, credit score, loan and credit card monthly payment, total amount and interest rates). The Services and Websites are meant for you and your business’s use only. The Services and Websites may also provide you other third-party products or services. This includes receiving offers free of charge for various credit or other financial products or services based upon your self-identified credit attributes, the attributes of your business entity (and/or your consumer report and credit score and business entity’s commercial credit report and score). These offers may also be generic and may not contain offers based on information specific to you or your business entity.

We will identify those Services that are provided to you free of charge. Some of the Services (including Premium and Premium Plus) require a fee at the time of Service purchase or enrollment. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment method presented and agree to pay the specified fee for paid Services, including any method offered or used through a mobile application. Furthermore, you agree and authorize Nav to: (i) submit a transaction using the card information provided, (ii) in the case of automatic recurring transactions, submit a transaction on a recurring basis (e.g. monthly or annual basis) for membership renewals.

If at any time while you have a paid account with Nav, you may choose to downgrade your membership to a different Service plan, including a free Service. You may downgrade your account by contacting Customer Support or by using any other method specified on the Websites. For the sake of clarity, downgrading your account will not cancel your membership. To cancel your account in its entirety and no longer receive Services you must call Customer Support, or downgrade your plan in the account settings on the Website. In all events, your account with Nav, (including your access to and use of any Services and Websites, and regardless of whether you upgrade or downgrade any Services while maintaining your account), shall be governed by this Agreement and these Terms and Conditions.

You acknowledge and agree that Nav (including its Services and/or Websites) has not and does not provide you or your business entity, legal, tax, financial, or other advice (including, without limitation, advice on how to improve or repair your credit or credit scores), and that its Services and/or Websites are not designed or intended to provide any such advice. As discussed above, and for your convenience, we may provide various other third-party websites that may be of interest to you. The third party offers or links that may be displayed on a Website are from third party companies from which Nav may receive compensation. Compensation may impact how, where or whether a third party product, service or link appears on a Website. Further, Nav does not represent, warrant or guarantee approval of any loan offer or service offered by a third party on any Website or other benefit should you choose to apply for a particular offer. Any suggestion or representation of possible approval are for illustrative purposes only and may vary based on your individual and business entity’s financial circumstances and the terms made available to you by the applicable issuer or lender. Nav disclaims all liability for any errors or omissions in any express or implied suggestions or representations related to possible approvals or benefits made by Nav or its marketing partners. For complete information on any particular offer, see the terms and conditions on the issuer or lender’s website. Once you click apply for any offers, you will be directed to the issuer or lender’s website where you may review the terms and conditions of the applicable opportunity or offer before applying.

While Nav uses reasonable efforts to present the most accurate information, we show a summary to help you choose a third party service, not the full legal terms. Nav does not control or endorse such websites and is not responsible for their content, nor is it responsible for the accuracy or reliability of any information, data, opinions, offers, advice, or statements contained within such websites, nor can Nav guarantee your and/or your business entity’s eligibility to take advantage of any of the information, data, opinions, offers, advice or statements contained within those websites. Please carefully read the terms and conditions or terms of use policies of any other third party company or website you may link to from our Websites. If you decide to access any of the third party sites linked to the Websites, you do so at your own risk. Nav reserves the right to terminate any link or linking program at any time. Nav disclaims all warranties, express and implied, as to the accuracy, validity, and legality or otherwise of any materials or information contained on such third party websites.

Subscription payments to Nav may be represented as a “tradeline” on your Dun & Bradstreet, Experian, and Equifax business credit report. You may see these tradelines are reporting as “Other” on your reports.


MODIFICATION OF PRODUCTS

Nav may, at its discretion, modify or discontinue any of the Products, Product Websites or Content, or any portion thereof, with or without notice. You agree that Nav will not be liable to you, your minor children or any third party for any modification or discontinuance of any of the Products, Product Websites or Content.


USE OF THE SERVICES

In consideration of your order of, access to, and/or use of any Services and/or Websites you agree to provide true, accurate, complete and current information about yourself and any business entity you are enrolling, or have enrolled, in any Service, when prompted to do so by the registration and application forms or when requested to do so by Nav. By registering, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, fraudulent, inaccurate or not current, or if Nav has reasonable grounds to suspect that such information is, fraudulent, not current, or intended for misuse, Nav, at its sole discretion, has the right to suspend or terminate your order of, use of, and/or access to, any Service and/or Website, and refuse all current or future orders of, use of, and/or access to, Service and/or Website, or suspend or terminate any portion thereof. In the event that Nav suspends or terminates your order of, use of, and/or access to, any Service and/or Website for any purpose other than fraud or misuse, Nav will allow access to retrieve your records and data for 5 business days prior to shut-off.

Further, you agree that Nav will not be liable to you, any business entity you are or have enrolled, or any third party if Nav suspends or terminates your order of, use of, or access to any Service and/or Websites, or any portion thereof, for any reason. You acknowledge and agree that Nav may, in its sole discretion, retain any information you provided to it or generated by Nav (or its affiliates/suppliers, including but not limited to Experian, TransUnion and Dun & Bradstreet) while you have an account with Nav, including any information about you and any credit card or payment or other information obtained in connection with your account and/or the provision of any Service. If Nav does retain any such information, you acknowledge it is not obligated to retain that information for any specified period of time.


DISPUTE RESOLUTION BY BINDING ARBITRATION PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.


SUMMARY:

MOST CUSTOMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CUSTOMER’S SATISFACTION BY CONTACTING NAV´S CUSTOMER SUPPORT DEPARTMENT AT HTTPS://NAV.COM/CONTACT. IN THE UNLIKELY EVENT THAT NAV´S CUSTOMER SUPPORT DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE TO YOUR SATISFACTION (OR IF NAV HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. IN ARBITRATION, BOTH THE PREVAILING PARTY WILL BE ENTITLED TO RECOVER ATTORNEYS´ FEES FROM THE OTHER PARTY.


Arbitration Agreement:

(a) Nav and you agree to arbitrate all disputes and claims between us, except any disputes or claims which under governing law are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims between us subject to arbitration to the fullest extent permitted by law. It includes, but is not limited to:

claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute (including, without limitation, the Credit Repair Organizations Act) fraud, misrepresentation or any other legal theory; claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising); claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this Agreement.

For purposes of this arbitration provision, references to “Nav,” “you,” and “us” shall include our respective parent entities, subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of services, products or information under this or prior Agreements between us. Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and Nav are each waiving the right to a trial by jury or to participate in a class action. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive termination of this Agreement.

(b) A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Nav should be addressed to: Legal & Compliance, Nav, 13693 S 200 W, Suite 200 Draper, UT 84020 (“Notice Address”). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from Nav (“Demand”). If Nav and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Nav may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Nav or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Nav is entitled.

You may obtain more information about arbitration from www.adr.org.

(c) After Nav receives notice at the Notice Address that you have commenced arbitration, it will promptly reimburse you for your payment of the filing fee. (The filing fee currently is $125 for claims under $10,000, but is subject to change by the arbitration provider. If you are unable to pay this fee, Nav will pay it directly upon receiving a written request at the Notice Address.) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address.

All issues are for the arbitrator to decide, including the scope and enforceability of this arbitration provision as well as the Agreement´s other terms and conditions, and the arbitrator shall have exclusive authority to resolve any such dispute relating to the scope and enforceability of this arbitration provision or any other term of this Agreement including, but not limited to any claim that all or any part of this arbitration provision or Agreement is void or voidable. The arbitrator shall be bound by the terms of this Agreement. Unless Nav and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Except as otherwise provided for herein, Nav will pay all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b), then the payment of all such fees will be governed by the AAA Rules. In such case, you agree to reimburse Nav for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules.

(d) The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the AAA Rules.

(e) Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

(f) YOU AND NAV AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Nav agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If this specific subparagraph (f) is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

(g) Notwithstanding any provision in this Agreement to the contrary, we agree that if Nav makes any change to this arbitration provision (other than a change to the Notice Address) during your membership in any credit monitoring or other product, you may reject any such change and require Nav to adhere to the language in this provision if a dispute between us arises regarding such membership product.


FCRA DISCLOSURES

The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:

  • You have been denied credit, insurance or employment in the past 60 days as a result of your report
  • You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
  • You are a recipient of public welfare assistance
  • You have reason to believe that your file at the agency contains inaccurate information due to fraud

The FCRA also permits consumers to dispute inaccurate information in their consumer credit report without charge. Accurate information cannot be changed. You do not have to purchase your credit report or other information from Nav to dispute inaccurate or incomplete information in your consumer credit file or to receive a copy of your consumer disclosure. The credit report you are requesting from Nav is not intended to constitute the disclosure of consumer credit information required by the FCRA or similar state laws. Such consumer disclosures must be obtained directly from one or all of the three national credit reporting companies (Experian, Equifax, Transunion).

The FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies (Experian, Equifax®, and TransUnion®) once every 12 months through a central source. Georgia residents can receive two disclosures per year. Although comprehensive, the credit reports from one or all of the three national credit reporting companies that are available from Nav may not have the same information as a credit report obtained directly from the three national credit reporting companies or through the central source. To request your free annual report under the FCRA, you must go to www.annualcreditreport.com, or call 877-322-8228. Nav’s Products are not related to the free FCRA disclosure that you are or may be entitled to.


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.


TERRITORIAL RESTRICTIONS

The Services made available through the Websites are intended for use by U.S. users only. We make no representation or warranties that the information, products or services provided through the Services or the Websites are appropriate for access or use in other jurisdictions. Notwithstanding the above, we reserve the right to limit the availability of the Services or the provision of any Services to any person, geographic area, or jurisdiction, including within the United States, at any time and in our sole discretion.


NOTICE OF PROSECUTION

Your access to and use of password protected and/or secure areas of the Product Websites are restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Product Websites may be subject to prosecution.

Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer credit report or disclosure under false pretenses may face criminal prosecution.


SECURITY MEASURES AND AUTHENTICATION

Because Nav uses security measures designed to protect your privacy and to safeguard your information, Nav may not always be able to successfully provide Products to you, including instant online delivery of your credit report for online customers. For example, for certain online Products, when the system is unable to authenticate you, you may be routed through a manual authentication process. In the event that you are routed through a manual authentication process, it is your responsibility to complete authentication so that you can gain access to your membership on the website. Your membership will continue and we will continue to monitor your credit report, all of which will be available to you once you complete authentication. Consequently, you will continue to be billed for your membership and the associated services available to you until you downgrade to a free Service or cancel. For certain products, Nav cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times.


PERSONAL INFORMATION

Nav may use your personal information to the extent necessary to process your order and/or engage in business maintenance as described in the section entitled “Use of the Products,” and in Nav’s Privacy Policy, and such other business uses in accordance with applicable law.


REVIEW AND RECEIPT OF PRIVACY NOTICE

By establishing an account with Nav, or submitting your order for enrolling in any Service, you acknowledge receipt of our Privacy Policy, acknowledge that you have reviewed the Privacy Policy, and agree to be bound by its terms. The Privacy Policy can be accessed below.


ELECTRONIC NOTICE DISCLOSURE, CONSENT, AND DELIVERY OF PRODUCTS

By providing Nav with your email address, you are providing your affirmative consent to receive emails from Nav in order to receive Product alerts, changes to your credit report, notices and other communications.


Affirmative Consent. When you use a product or service to which this Consent applies, you are providing your affirmative consent that we may provide you with any Notice in electronic format, and that we may discontinue sending paper Notices to you, unless and until you withdraw your consent as described below. We may also use electronic signatures and obtain them from you as part of our transaction with you. You must have an email address and a Java-compatible browser to receive your Products online. As an online customer, you are agreeing to receive all notifications via email at the email address on file with Nav. You are obligated to update the email address on file when your email address changes. In the event that you 1) fail to update your email address on file with Nav; or, if applicable 2) fail to provide your affirmative consent to receive email from us, and thus Nav is unable to deliver email messages to you, you nonetheless understand and agree that the Product will be fulfilled at the price agreed upon at the time that you placed your order. Acceptance of this consent is not a condition of establishing any business relationship or engaging in any transaction.  If you would like to use Nav’s services without consenting to receive notices electronically, please contact us at call us at https://www.nav.com/contact.


Paper Copies. You may request paper copies of Notices by contacting us at https://www.nav.com/contact. You may have to pay a fee for the paper copy unless charging a fee is prohibited by applicable law.


Online Hardware and Software Requirements. To receive Notices in electronic form, you must have access to:

  • An Internet web browser which is capable of supporting HTML and 128-bit SSL encryption;
  • Connection to the Internet;
  • A current version of a program that accurately reads and displays Portable Document Format or “PDF” files; and
  • A computer or other device which is capable of supporting all of the above. You will also need a printer if you wish to print out and retain Notices on paper and electronic storage if you wish to retain Notices in electronic form.


Updating Your Contact Information. You must have an active e-mail address in order to use the Service. You must promptly notify us of any change in your e-mail address or other contact information. You may also notify us by contacting us at https://www.nav.com/contact. Additionally, you may notify us by writing to us at Nav Technologies, Inc., ATTN: Customer Service, 13693 S 200 W, Suite 200, Draper, UT 84020. If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that all Notices shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, emailed to the e-mail address we have for you in our records, or delivered through other electronic means.

Withdrawal of Consent to Electronic Notices. You may withdraw your consent to receive Notices electronically at any time by contacting us at https://www.nav.com/contact. You may also notify us by writing to us at Nav Technologies, Inc., ATTN: Customer Service, 13693 S 200 W, Suite 200, Draper, UT 84020. You will not be charged a separate fee if you choose to withdraw your consent. Any withdrawal of your consent will be effective only after we have had a reasonable period of time to act upon your withdrawal. Any withdrawal of your consent to receive electronic communications will not affect the legal validity, enforceability and binding effect of any Notice you received, electronic or otherwise, before the effective date of the withdrawal of your consent. Even if you choose to withdraw your consent to receive notices electronically, the website and all of the valuable features of your membership are still available to you at any time by simply logging in. Accordingly, your membership will continue and the services will remain available whether you again provide affirmative consent to receive e-mails or not.


MOBILE TERMS AND CONDITIONS

You understand and agree that by agreeing to these terms, you consent to receiving recurring text (SMS) messages from us to the provided mobile number. You consent to receive mobile texts using an automatic telephone dialing system. Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. However, you acknowledge that opting-out of receiving text messages may impact your experience with Service(s) to the extent that such services rely on communications via text messaging. By providing consent, you are confirming you are over the age of 13.

The mobile information gathered during the SMS opt-in will not be shared or sold to third parties for SMS promotion.

You consent to receive text messages regarding promotions or special offers, deals, notifications and alerts (including Nav Credit Bureau Alerts) through your mobile device. Message and data rates may apply.

STOP information: Text STOP to 82222 to stop receiving text messages from Nav Technologies, Inc. (you will receive a confirmation text).

HELP Information: For additional information, text HELP to 82222 or contact https://www.nav.com/contact.

Currently, supported carriers are:

AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, Google Voice, ACS Wireless, Advantage Cellular (DTC Wireless), Appalachian Wireless, Atlantic Tele-Network International (ATN), Bandwidth, Bluegrass Cellular, Buffalo Wireless, CableVision, Carolina West Wireless, Cellcom, Copper Valley, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Chariton Valley Cellular, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), i Wireless (IOWA Wireless), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, Mobi PCS (Coral Wireless LLC), Mosaic, MTA Communications, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, Panhandle Telecommunications, Peoples Wireless, Pine Belt Wireless, Pine Cellular, Pioneer, Plateau, Revol Wireless, RINA, SI Wireless/Mobile Nation, SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.


CONSENT TO TELEPHONIC COMMUNICATION

You agree and provide your specific consent to receiving calls, including autodialed or pre-recorded calls, from Nav and its participating partners at the telephone number provided or that may be provided in the future for promotional, marketing or informational purposes, in accordance with Nav’s Privacy Policy and these terms. Standard rates apply and consent is not a condition of purchase.


NO WARRANTY BY NAV

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PRODUCTS, PRODUCT WEBSITES AND CONTENT IS AT YOUR SOLE RISK. ALL PRODUCTS, PRODUCT WEBSITES, AND CONTENT ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS. NAV AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES, AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. THE INFORMATION CONTAINED IN THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR OTHER MATERIALS YOU MAY RECEIVE FROM NAV DO NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. OTHER THAN TO THE EXTENT MADE IN, WITHIN THESE TERMS AND CONDITIONS, NAV MAKES NO WARRANTY THAT (I) THE PRODUCTS AND CONTENT ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; AND (II) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PRODUCTS OR CONTENT WILL BE RELIABLE.


ACTIVATION CODES

If you are using an activation code to obtain a Product, you are restricted to a one-time use of such activation code. Any subsequent use of the activation code will result in immediate termination of any associated Products without notice and in accordance with the termination provision(s) in the section entitled “Use of the Products,” found herein.

Please note that if you improperly obtain a Product with an activation code, any credit card number you may have provided to us will also be charged with the fee for the Product that was obtained improperly.


LIMITATION OF LIABILITY

YOU UNDERSTAND AND AGREE THAT NAV WILL NOT BE LIABLE TO YOU (OR ANY OF YOUR MINOR CHILDREN) FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE PRODUCTS, PRODUCT WEBSITES, CONTENT OR MEMBERSHIP BENEFITS, OR FROM YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEB SITE (IF APPLICABLE), EVEN IF NAV HAS BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW. IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON NAV, THEN YOU AGREE THAT NAV’S TOTAL LIABILITY TO YOU (AND ANY OF YOUR MINOR CHILDREN) FOR ANY OR ALL OF YOUR LOSSES OR INJURIES (OR THOSE OF YOUR MINOR CHILDREN) FROM NAV’S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO NAV FOR THE PRODUCT(S) YOU PURCHASE FROM NAV.

NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT

None of our services for which you pay us money, including our credit monitoring services, are offered or provided with respect to the extension of credit by third parties. You are paying us only for credit monitoring services. You are not paying us to advise you or assist you in obtaining a loan or improving your credit record, history, rating or Score. Nav offers access to your credit report, your VantageScore 3.0®, and other credit information. Nav and its affiliates are not credit repair organizations, and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating. You acknowledge and agree that you are not seeking to purchase, use, or access any of the Products, Product Websites, and Content in order to do so.

Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate, non-fraudulent information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate, non-fraudulent information is provided without charge to you and is available for free. Any such information is not included as part of your credit score monitoring product but is provided free of charge to all consumers, regardless of whether they are members of the credit score monitoring product.


VantageScore 3.0®

The VantageScore, with scores ranging from 300 to 850, is a user-friendly credit score model developed by VantageScore Solutions, LLC to help you see and understand how lenders view your credit worthiness. It is not a FICO score and is not usually used by lenders, but it is indicative of your overall credit risk. Higher scores represent a greater likelihood that you´ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.

There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Your credit score is based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit score can vary if the information they have on file for you is different. And since the information in your file can change over time, your credit score may be different from day-to-day.

Lenders and insurers use several different credit scoring models so don’t be surprised if your lender gives you a score that´s different from the VantageScore 3.0 you receive online. Just remember that your associated risk level is generally the same even if the number is not. If the lender´s score is lower than your online score, it is possible that this difference can lead to higher interest rates and sometimes credit denial.


REGISTERING FOR ANY PRODUCT

To request a credit report or score, or purchase any Product, you must have an address within the United States, provide a valid Social Security number, address, email address and date of birth and agree to be bound by these Terms and Conditions. In other limited circumstances, you may need to provide a valid telephone number so that Nav can process your order. You must provide valid credit card information. Nav will then evaluate your complete registration information.

In certain jurisdictions, sales tax at state and local rates may apply, in which case you may be charged the applicable taxes in addition to the monthly or quarterly fee and/or the price of the product.

For certain Products and/or channels where Products are sold, we reserve the right to accept or decline some forms of payment, including, but not limited to “pre-paid” or “re-loadable” credit/debit cards.


SOCIAL HEALTH BUSINESS REVIEW MONITORING – ADDITIONAL TERMS AND CONDITIONS

Our services to you may contain third party content or reviews from third party websites, applications or services (collectively, “Third Party Reviews”). Our Services may also include features that allow you to connect third party accounts with your Nav account, such as accounts you maintain with review aggregators. We do not control, maintain, or endorse Third Party Reviews and Nav is not responsible or liable for any Third Party Reviews, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Reviews. Your interactions and business dealings with the providers of the Third Party Reviews, including reviews or services offered by such third parties, are solely between you and the third party. You must review all of the relevant terms and conditions associated with Third Party Reviews, including those maintained by such third party, including any privacy policies and terms of service. Nav is not responsible for any information that you agree to have third parties share with us in connection with Third Party Reviews.  You may discontinue access to Third Party Reviews at any time by contacting us. Additionally, to the extent that you link your Google Business Profile in order to access Google reviews, you should review Google’s “Working with a third party” disclosure notice.


CREDIT MONITORING – ADDITIONAL TERMS AND CONDITIONS

Your membership in any of Nav’s products for which Nav charges you a monthly or quarterly fee for credit monitoring is effective for the period covered by your membership fee and continues upon your payment of the monthly/quarterly/annual renewal fee. Renewal fees for your membership will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you, on the first day of each successive 30-day membership term, until you cancel your membership. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you have already paid, you may cancel your membership by calling Customer Service or by downgrading your plan in the account settings on the Website. If you are a monthly or quarterly subscriber and choose to cancel after your free trial ends or anytime during your billing term, your membership and billing will terminate at the end of your billing term and you will not be eligible for a prorated refund of any portion of your paid monthly or quarterly membership fee. If you change your membership level from a paid membership level to a free membership level, your paid membership will terminate immediately and you will lose the ability to access paid membership benefits and you will not be eligible for a prorated refund of any portion of your paid monthly or quarterly membership fee. Nav reserves the right to change the membership fee for any renewal term to be effective upon the renewal of your membership.


CREDIT REPORTS AND CREDIT SCORES – ADDITIONAL TERMS AND CONDITIONS

When you use any Product, Product Website and/or Content to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following:

  • You may access your credit report and/or score for 30 days from the date of payment.
  • Refunds will not be issued once we have successfully located and delivered the Product(s) to you.
  • If you have questions regarding your credit report or would like to dispute information, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report.
  • For online customers, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing your credit report and/or credit score online, your session will conclude and you will be logged out for your protection.

Disclaimers: You acknowledge that the information provided to you through the VantageScore 3.0 products, including the score factors derived from the elements in your credit report, may change over time as your credit report changes. You also acknowledge that the score factor information on how to monitor your credit position assumes there will be no adverse changes in your credit performance. NAV IS NOT RESPONSIBLE FOR THE ACCURACY OR CONTENTS OF YOUR CREDIT FILE, INCLUDING BUT NOT LIMITED TO, INFORMATION DELIVERED IN THE CREDIT REPORT AND/OR SCORE PRODUCTS. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee.


LOAN REALITY CHECK REPORTS AND SCORES – ADDITIONAL TERMS AND CONDITIONS

Our services to you may contain third party content or links to third party websites, applications or services (collectively, “Third Party Content”). Our Services may also include features that allow you to connect your Nav account with accounts or services provided by third parties, such as accounts you maintain with financial institutions. We do not control, maintain, or endorse the Third Party Content or third party services and Nav is not responsible or liable for any Third Party Content or third party services, including any damages, losses, failures, or problems caused by, related to, or arising from Third Party Content or third party services. Your interactions and business dealings with the providers of the Third Party Content or third party services, including products or services offered by such third parties, are solely between you and the third party. You should review all of the relevant terms and conditions associated with Third Party Content of third party services, including any privacy policies and terms of service. Nav is not responsible for any information that you agree to share with third parties in connection with Third Party Content or third party services.

Users may direct Nav to retrieve their own information maintained online by third parties with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Nav works with one or more online service providers to access this Account Information. Nav does not review the Account Information for accuracy, legality or non-infringement. Nav is not responsible for the Account Information or products and services offered by or on third party sites.


ACCOUNT INFORMATION FROM THIRD PARTY SITES

Nav cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain or loss of data, personalization settings or other service interruptions. Nav cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. You can refresh your Account information through the Services, in the manner prescribed in the associated instructions.


RIGHTS YOU GRANT NAV

By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Nav through the Services, you are licensing that content to Nav for the purpose of providing the Services. Nav may use and store the content in accordance with this Agreement and Nav’s Privacy Policy. You represent that you are entitled to submit it to Nav for use for this purpose, without any obligation by Nav to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Nav to access your Account Information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to Nav. When you use the “Cashflow” feature of the Services, you will be directly connected to the website for the third party you have identified. Nav will submit information including usernames and passwords that you provide to log into the Site. You hereby authorize and permit Nav to use and store information submitted by you to accomplish the foregoing and to configure the Services so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Services, you grant Nav a limited power of attorney, and appoint Nav as your attorney-in-fact and agent, to access third party sites, retrieve and user your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN NAV IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, NAV IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. Nav is not responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information.

When you connect a business bank account to your Nav account or otherwise provide business transaction data to Nav, you acknowledge and agree that Nav is permitted to utilize transaction information for any purpose, including to report qualifying transactions or payment history to credit bureaus. You understand that Nav may report your transaction history to one or more credit bureaus, however, Nav does not offer any guarantee that it will report to any credit bureau in the future. Not all transactions are or will be eligible and not all lenders use scores impacted by Nav tradeline reporting. Transactions may not be eligible if another third party has already provided such transaction data to the applicable credit bureau. Additionally, payments through peer-to-peer payment services or by paper check are not eligible.


NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR

NEITHER NAV NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. NAV IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Services are intended only to assist you and your business in your financial organization and decision-making and is broad in scope. Your business financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisors who are fully aware of your unique circumstances.

Nav’s online marketplace offers provide you with information about potential loan products that may be suitable for your business and for which your business may qualify for based on information provided to Nav by you. Nav does not negotiate or assist in the application process on your behalf and does not receive nor request compensation for providing you with marketplace offers. Nav is not a lender and is not engaged in the business of making loans. Nav makes no promise or guarantees to procure a loan for any person or business. In the event that you are approved, you accept, and receive funds from a third-party service provider in Nav’s online marketplace, you certify that any such funds received are for business purposes only and will be placed in a business account segregated from any personal account.


TRADEMARKS

You acknowledge and agree that Nav’s name, the Nav Logo, Page Headers and other terms, phrases, graphics, logos, and icons are common law or registered trademarks, service marks, and/or trade dress of Nav (collectively “Marks”). You agree you will not use any such Content or Marks for any purpose without the appropriate prior written authorization. Nav Marks may not be used in connection with any product or service that is not Nav’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Nav. All other trademarks, product names, or logos not owned by Nav that appear on this Product Website are the property of their respective owners.


COPYRIGHTS

All Content included on this Product Website, such as text, graphics, logos, button items, icons, images, data compilation, is the property of Nav or its suppliers and is protected by United States and international copyrights laws. All software used on this site is the property of Nav or its software suppliers and is protected by United States and international copyright laws. Reproduction of such content, in whole or in part, is prohibited without prior consent.


PATENTS

Certain aspects of this website as well as features and services accessible from this website may be covered by one or more of the following: U.S. Patent Nos: U.S. Patent No. PENDING


ENTIRE AGREEMENT

These Terms and Conditions, the Privacy Policy, and other policies Nav may post constitute the entire Agreement between Nav and you in connection with your use of the Product Websites (if applicable), the Products, and the Content, and supersede any prior versions of the Terms and Conditions, if applicable. Nav may update these Terms and Conditions from time to time by posting revised Terms and Conditions on the Product Websites, or by mailing an updated copy to the most recent address you have provided to Nav, without notice to you, and your subsequent use of the Products, Product Web Sites, and/or Content is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by Nav. In the event of termination, the Intellectual Property, Disclaimers, and Limitations of Liability provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the Product Websites or otherwise, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.