Skip to main content

Website Usage Statement

Site Usage Explanation

Thank you for visiting the Merchants Information Solutions (Merchants) website at (the "Merchants Website"). Merchants believes that you will find the Merchants Website informative and easy to use, and we hope that you regularly visit it.

Your use of the Merchants Website and the information available on the Merchants Website is subject to the terms and conditions set forth herein (the "Agreement"). If there is a conflict between the Agreement and any terms and conditions required by Merchants' Suppliers (defined below), then the applicable specific terms and conditions of such Suppliers shall govern and control your ordering, access and usage of such Suppliers products/services. By using the Merchants Website, you agree to abide by the Agreement and the terms and conditions of Merchants' Suppliers.

Liability Disclaimer

Merchants and/or its suppliers including Experian, Equifax, TransUnion, CoreLogic Credco, LLC, CoreLogic Consumer Services, Inc. and others (collectively, "Suppliers") make no representations about the suitability for any purpose of the information, software, products, and services contained on the Merchants Website. All such information, software, products, and services are provided "as is" without warranty of any kind. Merchants and/or its Suppliers hereby disclaim all warranties and conditions - including all implied warranties merchantability, fitness for particular purpose, title and non-infringement - with regard to the information, software, products, and services contained on the Merchants Website.

The information, software, products, and services published on the Merchants Website may include inaccuracies or typographical errors. Changes are periodically made to the information herein. Merchants and/or its Suppliers may make improvements and/or changes to the Merchants Website at any time.

In no event shall Merchants and/or its Suppliers be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or in any way connected with your use of the Merchants Website or with any delay or inability to use the Merchants Website, or for any information, software, products, and services obtained through the Merchants Website, whether based on contract, tort, strict liability or otherwise, even if Merchants and/or any of its Suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitations regarding those types of damages may not apply to you.

Misuse prohibited/limits on use

As a condition of using the Merchants Website, you agree that you will not use the Merchants Website for any purpose that is unlawful or prohibited by the Agreement.

Merchants provides the Merchants Website solely to permit you to determine the availability of goods and services offered on the Merchants Website and to transact business with Merchants, and for no other purposes. The Merchants Website services have both personal and commercial uses. If you are the end-user of the services, you may only use the services for your personal, non-commercial use. You may not sell, rent, lease, or redistribute the information services. Where you are not the end-user of the service, you must be an authorized agent of a company, agency, or entity (customer) whose commercial use is granted subject to the terms and conditions of the service contract.

You agree that you will not make any false transaction or any transaction outside the intended purpose of the service. You agree to abide by the terms and conditions of purchase that Merchants imposes including, but not limited to, payment of all amounts when due and compliance with all rules regarding availability of products or services. You are completely responsible for all assessments, charges, duties, fees, and taxes arising out of your use of the Merchants Website.

You agree that you will not Misuse the Merchants Website. "Misuse" includes, but is not limited to, using the Merchants Website to do any of the following:

Merchants forbids such Misuses, and access of the Merchants Website for any such Misuses or other similar purposes is an unauthorized use of the Merchants Website.

Copyright and trademark notices

All contents, images, and logos on the Merchants website are: Copyright © 2023 Merchants, and/or its Suppliers. All rights reserved. Any other names of Merchants services to which the Merchants Website refers are service marks or registered service marks of Merchants Other products and company names mentioned in the Merchants Website may be the trademarks of their respective owners.

Software available on the Merchants Website

Any software that is made available to download from the Merchants Website ("Software") is the copyrighted work of Merchants and/or its Suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

For any Software not accompanied by a license agreement, the following shall constitute the License Agreement: Merchants and/or its Suppliers hereby grant to you a personal, nontransferable license to use the Software for viewing and otherwise using the Merchants Website in accordance with this Agreement, and for no other purpose.

Please note that Merchants and/or its Suppliers own all Software, including without limitation all HTML code and Active X controls, contained in the Merchants Website. Copyright laws and international treaty provisions protect all Software. Any reproduction or redistribution of the Software is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

Links to third party websites

The Merchants Website may contain links and pointers to Internet sites that third parties operate. Merchants does not operate or control in any respect any information, products or services on such third-party sites. The Merchants Website includes such links for your reference and convenience only. Endorsement of the material on such websites or any association with their operators is neither implied nor intended.


As a condition of using the Merchants Website, you agree to indemnify Merchants and/or its Suppliers from and against any and all liabilities, expenses (including attorneys' fees), and damages arising out of claims resulting from your use of the Merchants Website, including without limitation any claims alleging facts that if true would constitute your breach of this Agreement.

Service contact

With regard to any questions or problems about the Merchants Website, please contact the Customer Support Center by phone at (800) 966-0576 or by email at

Modification of these terms and conditions

Merchants reserves the right to modify the Agreement at its sole discretion and without notice. Your continued use of the Merchants Website following any such modifications shall constitute your acceptance of such modifications.


The Agreement shall be deemed to have been made in the State of Arizona and shall be interpreted in accordance with Arizona law, without regard to conflicts of law principles. Merchants and you consent and waive any objections to the exclusive personal jurisdiction of the state and federal courts in Maricopa County, Arizona, for the determination of any claim or controversy arising out of or relating to the Agreement. Merchants and you waive any objections to venue in such courts due to inconvenient forum or any other basis.

You acknowledge that no joint venture, partnership, employment, or agency relationship exists between you and Merchants as a result of the Agreement or your use of the Merchants Website.

Merchants' performance under the Agreement is subject to existing laws and legal process, and nothing contained in the Agreement limits Merchants' right to comply with law enforcement requests or requirements relating either to your use of the Merchants Website or the information provided to or gathered by Merchants with respect to such use.

If a court of competent jurisdiction determines that any part of the Agreement is invalid or unenforceable, then the invalid or unenforceable part will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original part and the remainder of the Agreement shall continue in effect.

A printed version of this usage agreement and all other notices, policies, and disclaimers contained on the Merchants Website will be admissible in judicial or administrative proceedings to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Merchants reserves any rights not expressly granted herein.

Get the Latest News on Identity Theft

Identity Theft is a crime in which an impostor obtains key pieces of personal identifying information (PII) and uses the information for personal gain. These crimes vary in nature based on the intellect and skill of the thieves. Thieves can access your personal information by stealing your wallet or purse, pilfering your mail, sifting through your garbage, infecting your computer with a virus, phishing your information online, or by hacking into your personal information which is stored on hundreds and thousands of databases across the country. Every year your personal information is shared with large and small companies. You give it out freely when you go to the doctor or hospital, open a checking account, get a personal loan, get a new car insurance policy or new health insurance policy and more.

Access our blog for the latest news in identity theft »

Your Information First Newsletters

Our resident Identity Theft expert and Practice Leader, Mark Pribish, authors a monthly newsletter. Access updated information on the latest information on identity theft, scams, phishing attempts and more to help you avoid becoming a victim. In addition to comments, guest contributors also provide their knowledge and insight to help you stay ahead of identity thieves. Using these suggestions and being watchful for the latest scams they identify will aid you in protecting your family and friends against the threat of identity theft.

Access the newsletter archive and get educated »