Subscription Agreement — please read before activating your membership.
Last updated: June 18, 2026
Draft for review. This page is a working draft and must be reviewed and approved by counsel before the site goes live. The company mailing address is still to be added and final legal copy is pending counsel sign-off.
These Terms of Service (this "Agreement") form a binding contract between you ("Member," "you," or "your") and ScoreGuardians LLC, an Ohio company doing business as Score Guardians ("we," "us," or "Score Guardians"). By creating an account, enrolling in a subscription plan, or using the Score Guardians website, mobile application, or any associated service (collectively, the "Service"), you agree to be bound by this Agreement. If you do not agree, do not enroll or use the Service.
Score Guardians is a credit monitoring subscription service. For a flat monthly fee, we provide:
Score Guardians is a credit monitoring service, not a credit repair organization. We do not advise you to make any statement, to take any action, or to refrain from taking any action with respect to your credit report or credit history. We make no guarantee — express or implied — that your credit scores will improve as a result of using the Service. The Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) does not apply to our Service.
We are not a lender, credit bureau, or affiliate of any federal or state government agency. Credit scores provided through the Service are for educational purposes only and may differ from scores used by lenders. See the footer of every page for the full educational-score disclosure.
To enroll, you must be a natural person who is at least 18 years old, a U.S. resident, and the legal owner of the Social Security number provided. You must provide accurate, current, and complete information during enrollment, including your name, date of birth, address, phone number, email address, and Social Security number (SSN). Your SSN is required to locate and match your credit file at the three bureaus and to verify your identity; it is not used for any other purpose. See our Privacy Policy and Security & Trust page for details on how this information is protected.
We use third-party identity verification services to confirm your identity before granting access to your credit data. We reserve the right to deny enrollment or suspend access if identity verification fails or if we believe enrollment would expose credit data to an unauthorized person.
The current price for Score Guardians membership is $19.99 per month (plus any applicable taxes). Pricing is subject to change with advance notice as described in Section 12.
Your subscription begins on the date you complete enrollment and provide a valid payment method. You will be charged $19.99 on the same calendar day each subsequent month (or the last day of the month if that date does not exist in a given month) until you cancel.
Your subscription renews automatically. Unless you cancel before your next renewal date, your payment method on file will be charged $19.99 each month without further authorization from you. Cancellation instructions are in Section 4 below and on our Cancellation & Refund Policy page.
You authorize us (and our payment processor) to charge the credit card, debit card, or other payment method you provide. You are responsible for keeping your payment information current. If a payment fails, we may retry the charge and/or suspend your access until payment is received. We are not responsible for any overdraft or other fees your financial institution may impose.
We will add any applicable sales tax, GST, VAT, or similar tax to your bill where we are required by law to collect it. Tax applicability may vary by state and is subject to change.
You may cancel your subscription at any time, for any reason, with no cancellation fee. Cancellation is designed to be as easy as enrollment. Full instructions are on our Cancellation & Refund Policy page. In summary:
Cancellation takes effect at the end of your current paid billing period. You will retain full access to the Service through that date, after which your account will be deactivated and monitoring will stop. Please review our Cancellation & Refund Policy for the applicable refund terms.
Please see the Cancellation & Refund Policy page for full details. In general, we do not provide partial-month refunds; you retain access through the end of your paid billing period. Exceptions may apply where required by applicable law.
You agree to use the Service only for lawful, personal, non-commercial purposes. You must not:
Violation of acceptable use may result in immediate suspension or termination of your account without refund.
All content, software, trademarks, logos, and materials made available through the Service — excluding your personal credit data — are the property of ScoreGuardians LLC or its licensors and are protected by U.S. and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes. Nothing in this Agreement transfers any ownership rights to you.
Credit data displayed in your dashboard is sourced from Equifax, Experian, and TransUnion via Array. That data belongs to the respective bureaus and to you as the subject of the report; it is provided to you under the FCRA for personal review.
The Service relies on third-party providers including, but not limited to, Array (credit-data aggregation), our payment processor, our identity-verification vendor, and cloud infrastructure providers. Your use of the Service is also subject to the applicable terms and privacy policies of those providers. We are not liable for the acts or omissions of third-party services except as required by applicable law.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Credit scores and reports are provided for educational purposes only and may not match scores used by any lender. Score Guardians makes no representation that use of the Service will improve your creditworthiness, help you obtain credit, or benefit you in any financial transaction.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ScoreGuardians LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND THIRD-PARTY SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR LOSS OF GOODWILL — ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE THREE MONTHS PRECEDING THE CLAIM OR (B) FIFTY DOLLARS ($50.00).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above may not apply to you. In those jurisdictions, our liability is limited to the maximum extent permitted by law.
Score Guardians is required to inform you about your rights under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.).
The FCRA gives you important rights regarding your credit information. Key rights include:
The summary above is for convenience and is not a substitute for the official notice. Your complete rights are described in the “Summary of Your Rights Under the Fair Credit Reporting Act” published by the Consumer Financial Protection Bureau, available at consumerfinance.gov/learnmore.
Score Guardians is not a consumer reporting agency as defined by the FCRA. We do not furnish credit reports to third parties. The credit data we display to you is sourced on your behalf for your personal review only.
We may modify this Agreement at any time. When we make material changes, we will notify you by email (at the address on your account) and/or by posting a prominent notice on the Service at least 30 days before the changes take effect. If you continue to use the Service after the effective date of the revised terms, you accept the revised Agreement. If you do not agree to the revised terms, you must cancel your subscription before the effective date.
The Last updated date at the top of this page reflects the date of the most recent revision.
This Agreement is governed by the laws of the State of Ohio, without regard to its conflict-of-laws rules. Any dispute arising under or related to this Agreement that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with proceedings conducted in Ohio. The arbitrator's decision shall be final and may be entered as a judgment in any court of competent jurisdiction.
Class action waiver: You agree that any dispute will be resolved only on an individual basis and not as part of any class, consolidated, or representative action.
Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction where necessary to prevent irreparable harm.
We may suspend or terminate your account if: (a) you breach this Agreement; (b) we are unable to verify your identity or detect fraud risk; (c) required by law or court order; or (d) we discontinue the Service upon reasonable notice. If we terminate your account for reasons other than your breach, we will issue a prorated refund for any unused prepaid period.
Questions about these Terms? Reach us at: