Terms of Use

Please read the following information carefully before using this web site. By accessing or using the web site, you acknowledge that you have read, understand, and agree to the Terms of Use ("TOU") and to follow all applicable laws and regulations. If you do not agree with this TOU, do not use this web site. TransUnion Information Solutions, Inc. ("the Bureau") reserves the right, in its sole discretion, to update the TOU at any time without notice to you. The most current version of the TOU can be reviewed by clicking on the "Terms of Use" hypertext link located at the bottom of the Bureau's web site pages. Please check the TOU each time you visit our web site for the most current information.

Use of the web site

Except as expressly provided in the TOU, any reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on this web site, in whole or in part, and any decompilation, disassembly, reverse engineering or other exploitation of this web site or the services is strictly prohibited. Except as expressly provided in the TOU, you acquire absolutely no rights or licenses to this web site other than the limited right to use this web site in accordance with the TOU.

Links to the Bureau's web site

You are given a limited, non-exclusive right to create a hypertext link to the Bureau's web site. However, you may not portray the Bureau or any of its services in a false or offensive manner. Also, you may not misrepresent your relationship with the Bureau or imply that the Bureau sponsors, endorses, or is affiliated with your web site or products without the expressed written consent of the Bureau. You may not replicate, modify, or alter the appearance or content of this web site. You may not use, frame, or utilize framing techniques to enclose any TransUnion Trademarks or any of the content of this web site. Except as stated above, you are not given any other right or license to (i) the use of this web site, (ii) the content of this web site, or (iii) any intellectual property or proprietary rights of the Bureau or TransUnion. This limited linking right may be taken away from you at any time at our discretion.

New Services and Modifications and Updates

Whenever new products or services are introduced on this web site as part of the services, your use of such services will be subject to the TOU unless we notify you otherwise. We reserve the right, in our sole discretion, to modify or update the TOU at any time and from time to time.

Links to third party web sites

This web site may contain links to third party web sites. The Bureau does not represent, guarantee, or endorse any web site that you may access from this web site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings unless explicitly stated so. Links contained on this web site are provided solely as a convenience to you. When you access a non-Bureau web site, please understand that the linked site and its content are not under our control. The Bureau 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.

Privacy

Since it affects your use of our web site, please review the TransUnion Privacy Policy to understand our practices. By accessing and using the web site, you are consenting to the collection, use and disclosure of your personal information in accordance with the TransUnion Privacy Policy.

Disclaimer of warranties and liability

THE SERVICES 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 OR NON-INFRINGEMENT. USE OF THIS WEB SITE, THE CONTENT AND THE SERVICES IS AT YOUR OWN RISK. TRANSUNION DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, OR TIMELINESS OF THIS WEB SITE, THE CONTENT OR THE SERVICES. TRANSUNION DO NOT ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THIS WEB SITE, THE CONTENT OR THE SERVICES.

THE CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO PROVIDE FINANCIAL ADVICE TO YOU AND YOU SHOULD NOT RELY UPON THE CONTENT TO PROVIDE ANY SUCH ADVICE. YOU SHOULD SEEK THE ADVICE OF PROFESSIONALS REGARDING THE EVALUATION AND VERIFICATION OF ANY CONTENT PROVIDED ON THIS WEB SITE AND, IN ANY EVENT, PRIOR TO MAKING ANY FINANCIAL DECISIONS BASED ON SUCH CONTENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TRANSUNION DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THIS WEB SITE, THE CONTENT AND THE SERVICES WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OR THAT THIS WEB SITE, THE CONTENT AND/OR THE SERVICES ARE OR WILL BE ERROR-FREE OR WILL OPERATE WITHOUT INTERRUPTION. IN NO EVENT WILL TRANSUNION 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 ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THIS WEB SITE, THE CONTENT OR THE SERVICES.

Trade-marks and Copyright

Certain names, words, titles, phrases, logos, designs, graphics, icons and marks displayed on this web site, in the content or with the services may constitute trademarks or trade names of TransUnion or its licensors. Title to this web site, the content and services and the trademarks or trade names displayed on this web site remains with TransUnion and/or its licensors. Nothing contained in the TOC or on this web site shall be construed as conferring by implication, estoppel or otherwise any license or right to use any trade-marks, tradenames, copyright or other intellectual property rights of TransUnion or its licensors. Any unauthorized use of this web site, the content or services or the trademarks, trade names, copyright or other intellectual property rights of TransUnion or its licensors is strictly prohibited, and we reserve the right to take such steps as we deem necessary, including legal action, to enforce such rights.

Compliance with Law

You agree to use the web site 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 the TOU 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 this web site illegal, are not authorized to use the web site.

User Information

Subject to the TransUnion Privacy Policy, should you provide electronically or through your access to or usage of this web site, any information or materials including feedback data, such as questions, comments, suggestions or the like regarding any information contained on this web site, such information and/or materials provided by you shall be deemed to be non-confidential and TransUnion shall have no obligation of any kind with respect to such information and/or materials and shall be free to reproduce, use, disclose and distribute such information and/or materials to others without limitation. You hereby grant to TransUnion a transferable world-wide perpetual, irrevocable, royalty-free, non-exclusive license, including the right to sublicense to others, to use, reproduce, distribute, publish, modify, edit, translate, transmit, adapt and display any information and/or materials provided by you (in whole or in part) and/or incorporate such information and/or materials in any form, media or technology now known or developed in the future.

International Use

Because you can access this web 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 and personal data exported from the Philippines or the country of your residence.

Applicable Law

The materials in this web site are designed for use by residents of the Philippines and its territories and possessions. The Bureau controls and operates this web site through its corporate headquarters with Metro Manila, Philippines. The TOC shall be governed, interpreted, and enforced according to the laws of the Philippines, regardless of Philippines conflict of laws. TransUnion therefore reserves the right not to provide any of the services if it is not allowed under the applicable laws.

Indemnification

You agree that your use of this web site shall not be made the basis for any claim, suit, demand or cause of action or other proceeding against TransUnion and/or its licensors. You agree, at your own expense, to indemnify and hold TransUnion and our directors, officers, employees, representatives, agents, partners and licensors harmless against any claim, suit, demand, action or other proceeding brought against us, our directors, officers, employees, representatives, agents and licensors as a result of your breach of the TOU.

Severability

If any provision of the TOU is held by a court of competent jurisdiction to be illegal, invalid or unenforceable, such provision shall be deemed to be severed and the remaining provisions shall remain in force and effect.

No Waiver

No waiver of any of the TOU shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

Electronic Communications

By accessing this web site or sending electronic mail to TransUnion you are communicating with TransUnion electronically. By doing so, you agree to receive communications from TransUnion electronically. TransUnion will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this web site or any other web site that that may be generally designated in advance for such purpose. You consent to receiving electronically all agreements, notices, disclosures and other communications that TransUnion provides to you.

Copyright Notice

Copyright © 2017 TransUnion Information Solutions, Inc. All Rights Reserved. Except as otherwise stated, TransUnion or its related companies own all content contained in this web 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 Philippines and other countries. The Site Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of material from the web site solely for you own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.