# Terms of Service Last updated: October 10, 2026 > **Draft.** These terms are under legal review and will be finalized before the app is publicly available. These terms are an agreement between you and CreditYeti ("CreditYeti," "we," "us") and govern your use of the CreditYeti app and website (the "Service"). By creating an account or using the Service, you agree to these terms and to our [Privacy Policy](/privacy). ## Who can use CreditYeti You must be at least 18 years old, a resident of the United States, and able to form a binding contract. You may only use the Service for your own credit files, not on behalf of anyone else. ## What CreditYeti does CreditYeti helps you manage security freezes on your credit files at Equifax, Experian, and TransUnion. Depending on the options you choose, the Service can sign in to your bureau accounts, create bureau accounts for you, submit freeze, thaw, and refreeze requests, and show you freeze status and other information from your credit file. ## Your authorization When you connect a credit bureau or ask us to create an account, you authorize CreditYeti to act as your agent for the limited purpose of accessing that bureau account and taking the actions you request, using the credentials and information you provide. You can revoke this authorization at any time by disconnecting the bureau or deleting your account. ## Your responsibilities - Provide accurate, current, and complete information about yourself. - Keep your phone, CreditYeti account, and bureau credentials secure, and tell us promptly if you think someone else has accessed them. - Enter verification codes only when you started the action they relate to. - Follow the terms of each credit bureau whose account you use with CreditYeti. ## Freeze status and timing We show freeze status and complete requests to the best of our ability, but the credit bureaus control their own systems. Bureau websites can be unavailable, change without notice, or require extra verification. A request may be delayed or fail, and the status shown in the app may not match the bureau's records at every moment. **Before applying for credit, or if it matters that your credit is frozen at a specific time, confirm your status directly with each bureau.** ## What CreditYeti is not - CreditYeti is not affiliated with, endorsed by, or sponsored by Equifax, Experian, or TransUnion. - CreditYeti is not a consumer reporting agency, a credit repair organization, a lender, or a law firm, and does not provide financial or legal advice. - A credit freeze reduces the risk of new accounts being opened in your name. It does not prevent every type of fraud or identity theft, and CreditYeti does not guarantee that you will not be a victim of either. ## Subscriptions Some features may require a paid subscription. Subscriptions are purchased and managed through your Apple ID, renew automatically unless you cancel at least 24 hours before the end of the current period, and are subject to Apple's terms. You can cancel in your iPhone's subscription settings. Refunds are handled by Apple. ## Acceptable use Don't use the Service to access anyone else's credit file, interfere with or reverse engineer the Service, attempt to get around its security, or break the law. ## Ending your account You can delete your account at any time in the app. We may suspend or end your access if you break these terms or if we need to in order to protect you, other users, or the Service. Sections that by their nature should survive termination will survive. ## Disclaimers The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, and we do not warrant that the Service will be uninterrupted, error-free, or always able to complete a request at a credit bureau. ## Limitation of liability To the fullest extent permitted by law, CreditYeti will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or credit opportunities, arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the greater of the amount you paid us in the 12 months before the claim or $100. ## Governing law These terms are governed by the laws of the State of Washington, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Spokane County, Washington, unless applicable law requires otherwise. ## Changes to these terms If we make material changes, we will update the date at the top and tell you in the app before they take effect. Continuing to use the Service after that means you accept the updated terms. ## Contact us Email [support@credityeti.app](mailto:support@credityeti.app) with any questions about these terms.