Terms of Service

Bivo is a free credit-insights service. With your authorization, the Service: (a) retrieves your credit report from consumer reporting sources through a soft inquiry; (b) analyzes and explains the factors affecting your credit score; (c) provides AI-assisted educational guidance and a personalized action plan; (d) surfaces alerts and insights derived from your report; and (e) where your credit profile fits, identifies debt consolidation options available through partner services, as described in Section 8. Where a report-update feature is offered to you, the Service can also retrieve updates to your report under the same authorization.

Bivo is not a lender, a bank, a credit bureau or consumer reporting agency, a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. §1679 et seq.), a debt collector, a law firm, or a registered financial, investment, or tax advisor. Bivo does not originate, broker, or service loans; does not make or influence credit decisions; does not negotiate, settle, or repair debts; does not dispute items on your credit report on your behalf; and does not guarantee any credit score change or any particular financial outcome.

To create an account and use the Service, you must:

• Be at least 18 years of age;
• Be a legal resident of the United States with a valid Social Security number;
• Have the legal capacity to enter into binding contracts;
• Register only on your own behalf, using your own true identity — you may not create an account for, or retrieve credit data of, any other person;
• Provide information that is accurate, complete, and current, and keep it that way; and
• Maintain no more than one account.

By using the Service, you represent and warrant that you meet all of the foregoing requirements. We may suspend or terminate accounts that do not.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You agree to notify us promptly through the support options in your account settings if you become aware of any unauthorized access to or use of your account. We reserve the right to suspend or disable any account that we reasonably believe has been compromised, shares credentials, or is used in violation of these Terms. We are not liable for any loss arising from unauthorized use of your account that occurs before you notify us.

Before the Service can retrieve your credit report, you must verify your identity by providing your name, residential address, date of birth, Social Security number, and (optionally) phone number, which are submitted to the consumer reporting agency to locate and match your credit file. You agree to provide truthful and accurate information during verification; attempting to verify as another person is a violation of these Terms and may violate federal and state law.

By checking the authorization presented with the identity form and submitting it, you provide written instructions under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) authorizing Bivo to obtain your consumer report and credit score from consumer reporting sources, on your behalf, using soft inquiries. Soft inquiries do not affect your credit score. This authorization remains in effect for as long as your account is active so that the Service can retrieve updates to your report where an update feature is offered to you. You may revoke this authorization at any time by closing your account, after which no further retrievals will occur.

Your credit report is compiled and maintained by consumer reporting agencies, not by Bivo. We do not control its contents. If you believe your report contains inaccurate or incomplete information, you have the right under the FCRA to dispute it directly with the consumer reporting agency or the furnishing creditor.

The Service's explanations, chat responses, score analyses, and action plans are generated in whole or in part using artificial intelligence. All such content is provided for educational and informational purposes only. It does not constitute financial, legal, tax, investment, or credit advice; it is not a substitute for the advice of a qualified professional; and it does not create any advisory or fiduciary relationship between you and Bivo.

AI-generated content may contain errors, may be incomplete, and may become outdated. Estimated score impacts are illustrative projections, not promises or guarantees. You are solely responsible for the decisions you make based on information presented in the Service, and you should independently verify important information before acting on it.

The Service is provided free of charge. We do not charge subscription fees, require a payment method, or impose charges for credit report retrieval, insights, alerts, or guidance. If we introduce optional paid features in the future, they will be clearly identified, and these Terms or supplemental terms will describe the applicable charges before you incur them.

Debt consolidation and other debt solutions surfaced in the Service are provided by third-party partners, each a separate service operated independently of Bivo, with its own terms of service and privacy policy. When the Service pairs you with partner options, Bivo is performing an informational matching function only. All offers, rates, terms, applications, verifications, and credit decisions occur with the partner and the applicable lender — not with Bivo.

Prequalification within the Service is not an offer of credit, not a loan approval, and not a guarantee that you will receive any offer or be approved on any particular terms. A lender's final decision follows a formal application, which may involve a hard credit inquiry that can affect your credit score. Information is shared with a partner only at your direction and with your consent, as described in our Privacy Policy.

Bivo may receive compensation in connection with partner services. This compensation does not change the analysis the Service presents to you, and you are never obligated to use a partner service. Your use of any partner service is at your own election and subject to that service's own terms.

By creating an account, you consent to receive communications from us electronically, including emails, in-app notifications, and, where you have provided a mobile number and opted in, text messages relating to your account, credit alerts, and the Service. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may adjust non-essential communication preferences in your account settings; certain service and security communications are integral to the Service and cannot be opted out of while your account remains open.

You agree not to, and not to attempt to:

• Access or retrieve credit data belonging to any person other than yourself, or misrepresent your identity;
• Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• Probe, scan, or test the vulnerability of the Service, circumvent authentication or security measures, or gain unauthorized access to systems, accounts, or data;
• Scrape, harvest, crawl, or systematically extract data from the Service, whether manually or by automated means;
• Reverse engineer, decompile, or disassemble any portion of the Service, except to the extent such restriction is prohibited by law;
• Interfere with or disrupt the integrity or performance of the Service, including by transmitting malware or generating excessive load;
• Resell, sublicense, or make the Service available to third parties, or use the Service to build a competing product; or
• Use the Service's AI features to generate content for any purpose other than your personal credit education.

We may investigate suspected violations and may suspend or terminate access, remove content, and cooperate with law enforcement as we deem appropriate.

All content, features, and functionality of the Service — including text, graphics, logos, trademarks, software, models, algorithms, and design — are the exclusive property of Aurora Technologies Group or its licensors and are protected by copyright, trademark, trade secret, and other intellectual property laws. Except for the limited license below, no right, title, or interest in the Service is transferred to you.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial use. You may not reproduce, distribute, publicly display, modify, or create derivative works from any part of the Service without our prior written consent.

If you submit suggestions, ideas, or other feedback about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use that feedback for any purpose without compensation or attribution, and you represent that you have the right to grant that license.

The Service relies on third-party providers — including consumer reporting sources, identity verification, hosting, communications, and AI processing providers — and may contain links to third-party websites and services, including partner services. We do not control and are not responsible for the content, policies, or practices of third parties. Your use of a third-party service is governed by that service's own terms and privacy policy, and any dispute concerning a third-party service is between you and that third party.

Credit data displayed in the Service is provided by consumer reporting sources and may differ from data used by any particular lender. Scores shown may differ from scores used in actual lending decisions. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

You agree to indemnify, defend, and hold harmless Aurora Technologies Group and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms; (b) your violation of any applicable law or the rights of any third party; (c) inaccurate information you provide, including during identity verification; or (d) your misuse of the Service, including any attempt to access another person's credit data.

Please read this section carefully — it affects your legal rights. Except for disputes that qualify for small claims court or claims for injunctive relief regarding intellectual property or unauthorized access, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration rather than in court. The arbitration will be conducted on an individual basis under the rules of a recognized arbitration administrator, and judgment on the award may be entered in any court of competent jurisdiction.

You may opt out of this arbitration agreement by notifying us through the support options in your account settings within 30 days of first accepting these Terms; opting out does not affect any other provision of these Terms.

These Terms apply from your first use of the Service until your account is closed. You may close your account at any time in your account settings. We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms, creates risk or legal exposure for us or other users, or as required by law, or if we discontinue the Service.

Upon closure or termination, your credit report authorization under Section 5 is revoked and your data is handled as described in our Privacy Policy. Sections that by their nature should survive termination — including Sections 11, 12, 14, 15, 16, 17, and 20 — survive.

We may modify these Terms from time to time. If we make material changes, we will provide notice by updating the date at the top of this page and, where appropriate, by additional notice in the app or by email before the changes take effect. Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms. If you do not agree to a change, your remedy is to stop using the Service and close your account.

These Terms and any dispute arising out of or relating to them or the Service shall be governed by the laws of the United States and, to the extent state law applies, without regard to conflict of law principles. Subject to Section 17, any judicial proceeding shall be brought in the appropriate courts within the United States.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

Entire agreement. These Terms, together with the Privacy Policy and any supplemental terms we present to you, constitute the entire agreement between you and Bivo regarding the Service and supersede all prior agreements on that subject.

Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

Force majeure. We are not liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental action, or failures of third-party providers or infrastructure.

If you have questions about these Terms of Service, contact us through the support options available in your Bivo account settings.