Terms of service

What these terms cover

These terms govern your use of this website and our mobile applications. They do not govern your credit-builder account.

Three separate documents

Your account

• You must be 18 or older (19 in Alabama and Nebraska) and resident in the United States.
• You must provide accurate information. Providing false identity information is a serious matter, not an administrative one.
• You are responsible for keeping your login credentials secure and for activity under your account.
• One account per person. Operating multiple accounts under different identifiers may be treated as fraud.

What we are not

Kovo Financial, Inc. is not a bank and not a lender. We do not take deposits, we do not underwrite or fund loans, and no funds are disbursed to you by us at any point. A Kovo Credit Builder account is a contract for services whose payment history is reported to the credit bureaus.

Where this site offers loans, we are making an introduction to a third-party lender. That lender decides whether to lend, on what terms and at what rate, and we may be paid a fee when a loan completes. Advertiser disclosure.

Nothing on this site is financial, tax, legal or credit-repair advice. It is general information. Your circumstances are specific and we do not know them.

No guaranteed outcome

We also cannot remove, dispute or alter accurate information already on your credit report. Nobody can lawfully do that, and anyone who says otherwise is misleading you.

Loan introductions

Submitting a loan enquiry asks us to introduce you to lenders. It is not an application to us, it does not oblige any lender to make an offer, and it does not oblige you to accept one.

• We do not guarantee an offer, a rate or an amount. Any figure shown before a lender responds is indicative.
• We are not responsible for a lender’s conduct, decisions or products. Complaints about a loan go to that lender, and to your state regulator or the CFPB.
• Our network is not the whole market. Compare any offer against a lender you find independently before accepting.
• You may withdraw at any time. How to withdraw.

Acceptable use

• Do not attempt to access accounts or systems you are not authorised to use.
• Do not scrape, resell or systematically extract content from this site.
• Do not use the service to launder funds, evade sanctions or commit fraud.
• Do not misrepresent your identity, residence or eligibility.

Intellectual property

The content, design and code of this site belong to Kovo Financial, Inc. or our licensors. You may read, print and share pages for personal use. You may not republish them as your own or use our name and marks to imply an endorsement that does not exist.

Disclaimers and liability

The website is provided on an as-is basis. We take reasonable care over accuracy but do not warrant that every figure on a comparison page remains current, because third-party pricing changes without notice to us. Always confirm a competitor’s terms with that competitor before relying on them.

To the fullest extent permitted by applicable law, Kovo Financial, Inc. is not liable for indirect, incidental, special or consequential losses arising from your use of this website, including lost profits or lost opportunity. Nothing in these terms limits liability for fraud, for wilful misconduct, or for anything that cannot lawfully be limited.

Because we are not the lender, we do not warrant a partner’s products, decisions or conduct. That is not an attempt to leave you without recourse: your remedy against a lender lies with that lender, with your state regulator and with the Consumer Financial Protection Bureau.

Indemnity

If your use of this website in breach of these terms causes a third-party claim against us — for example by misusing our content or impersonating another person — you agree to cover the reasonable costs we incur defending it. This does not apply to claims arising from our own conduct.

Governing law and disputes

These website terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Your account agreement specifies its own governing law, which may be the law of your state of residence, and that agreement controls disputes about your account.

How we would rather resolve a dispute

Contact us first at [email protected] with what has gone wrong and what you want done. Most disputes are resolved this way, and we would rather fix a problem than argue about it.

If that does not resolve it

Any dispute-resolution provisions applying to your account — including any arbitration or class-action terms, and your right to reject them — are set out in the account agreement you sign, together with the opt-out period and the address for exercising it. Read that section before signing rather than after.

You always retain the right to bring an individual claim in small claims court, and to report a concern to the Consumer Financial Protection Bureau, your state attorney general, or your state banking or financial regulator. We will not treat any of those as a breach of these terms.

General

• Severability. If any provision is found unenforceable, the rest continues to apply.
• No waiver. If we do not enforce a provision on one occasion, we have not given up the right to enforce it later.
• Assignment. You may not transfer your rights under these terms. We may assign them in a corporate reorganisation, on notice to you.
• Entire agreement. These terms plus your signed account agreement are the whole of what is agreed. Nothing said in marketing material adds to or overrides them.
• Changes. Material changes are notified before they take effect, and the date at the top of this page changes. Continuing to use the site after that constitutes acceptance of the amended terms.

Ending your use

You may stop using the website at any time. Closing your credit-builder account is a separate step governed by your installment agreement, and closing it early leaves a shortened tradeline on your report — a consequence worth understanding before you act. See rates and fees.