Effective Date: June 2023
All references to “you” (or “your”) mean the individual (consumer) who is a Tangerine Client and accesses the Credit Services on the Tangerine website or Mobile Banking app.
No additional access charges: These Credit Services are made available to you as a Client of Tangerine at no additional charge. Charges are subject to change by Tangerine.
Use of Your Information: By accessing and signing up for these Credit Services, you have agreed to Tangerine sharing your name, address and date of birth with TransUnion.
Your information will not be used by TransUnion other than to verify your identity for purposes of supporting your access to these Credit Services.
What are the Credit Services? The Credit Services are a combination of various services and features made accessible to you by Tangerine (as a Client of Tangerine), that accesses, uses or includes the data, services and other information provided by TransUnion Interactive Inc., (“TU” or “TransUnion Interactive”) and a corporate affiliate of Trans Union of Canada Inc. (“TransUnion Canada”) including Credit Score, Score Factors, Where you Stand, and Credit Score History. TU and TransUnion Canada will be collectively referred to as “TransUnion”.
Your credit score is displayed and accessed through this Credit Service by Tangerine using the credit scores of TransUnion as a convenience only. Tangerine is not responsible for TransUnion’s credit score, its accuracy or your reliance on it.
Disclaimer of Warranties and Liabilities
The Credit Services made available, or accessed, are provided to you "as is". To the fullest extent permissible under applicable law, neither TransUnion nor Tangerine nor their respective affiliates, make any representations, warranties or conditions of any kind whatsoever: (i) as to the Credit Services; (ii) as to any systems, software, site or content on this site in connection with the Credit Services or any other products and services made available to you as part of the Credit Services including as a Client of Tangerine or accessed by you through Tangerine; (iii) that you will have continuous, uninterrupted or secure access to the Credit Services; or (iv) that the Credit Services will be error-free.
In addition and without limiting the foregoing, TransUnion and its affiliates and Tangerine and its affiliates are not responsible for any of the data, services or other information made available to you as part of these Credit Services, including the credit scores of TransUnion or any other data, information or products or services of TransUnion incorporated by, or accessible as part of the Credit Services.
In addition, TransUnion and Tangerine and their respective affiliates disclaim all express or implied warranties and conditions, including title, merchantability, fitness for a particular or general purpose, non-infringement and informational content.
You agree that your access to and use of the Credit Services are at your own risk and for the general purpose of awareness and education.
By using the Credit Services, you acknowledge and agree that neither TransUnion nor Tangerine nor their respective affiliates have any liability to you (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with your access to and/or use of the Credit Services, content, products or other services (even if they have been advised of the possibility of such damages), including liability associated with any viruses which may infect your computer equipment.
Additional Terms that Apply to the Credit Services:
1. Eligibility and Availability (including de-registration of these Credit Services)
The availability of the Credit Services is subject to the discretion of Tangerine.
The Credit Services are only available if TransUnion can match your personal information with your credit file that is available at TransUnion. If TransUnion can’t match you to its credit database or is otherwise unable to generate your credit score, you won’t be able to use all or part of the Credit Services until such time as you have built sufficient credit history.
Credit Services are available subject to a refresh frequency limit or retention determined by Tangerine.
Your access to the Credit Services may be terminated or otherwise cancelled by Tangerine at any time, for any reason and without notice. Your access to a credit score through the Credit Services may be terminated by TransUnion.
You may ask to de-register from this service/feature at any time, by going to the settings page within the Credit score feature when logged in at tangerine.ca and through the Tangerine Mobile Banking app.
Your de-registration will be effective as soon as you select the button to de-register.
Upon de-registration, you will lose access to these Credit Services, including any credit data and analyses that have been displayed to you in the past.
2. Credit Score and other TransUnion Services
The credit score that is displayed to you as part of the Credit Services is provided by TransUnion based on a proprietary model created by TransUnion. The credit score predicts credit risk. Specifically, it measures the probability that a person will pay their debts on time. There are many different credit scores in the marketplace based on different models with different scoring ranges, and lenders use a variety of different credit scores to make credit decisions. The scores provided as part of the Credit Services are for educational/informational purposes only and aren’t intended for use by lenders (including Tangerine). The credit score provided here may not be the same score used by your lenders or other commercial users to make credit decisions about you. The credit score can only evaluate the account information that appears on your TransUnion consumer credit report. Accounts not reported to, or subsequently deleted from, your TransUnion consumer credit report will not be reflected in your score. TransUnion Interactive doesn’t maintain your credit report information and is not able to make any changes to it. TransUnion Interactive can’t initiate any disputes on your behalf. Neither TransUnion Interactive nor TransUnion is responsible for inaccurate results, including any due to incorrect, incomplete, or outdated information in your credit report.
3. Not a Credit Repair Tool
TransUnion and Tangerine (and the Credit Services themselves) are not credit repair or credit counseling organizations or similarly regulated organizations under other applicable law, and don’t provide credit repair services.
Any services provided to you as part of the Credit Services (or accessible to you through it) are not a credit repair tool and TransUnion and Tangerine make no representation or promise that it will improve your credit record, credit history or credit rating or provide you with any assistance in that regard.
4. Right To Receive A Free Credit Report
The credit and personal information provided to you as part of the Credit Services doesn’t constitute a “consumer disclosure” for the purposes of applicable consumer reporting legislation. By law, you’re entitled to receive a free copy of your consumer disclosure from each of the national credit reporting agencies (including TransUnion) by contacting them directly. For more information visit https://secure-ocs.transunion.ca/secureocs/home.html?lang=en and FR: https://secure-ocs.transunion.ca/secureocs/home.html?lang=fr.
5. New Features and Changes
As part of the Credit Services, TransUnion (or through Tangerine) may, from time to time, introduce new features or modify or delete existing features in its sole discretion. TransUnion (or Tangerine) will notify you of any of these changes to features if legally required to do so.
You agree to release, discharge and hold TransUnion and Tangerine and each of their affiliates harmless from any and all claims, losses, damages, obligations, or liabilities, directly or indirectly relating from your use of the Credit Services. In no event will TransUnion or Tangerine or any of their affiliates be liable for any direct, incidental, special, punitive or consequential damages however caused arising out of your use, or inability to use, the Credit Services.
7. Language (Quebec Residents Only)