Terms of Use

Welcome to the TransUnion site ("Site"), a web site operated by TransUnion Limited ("TransUnion"). The Site provides data and other information on consumer credit reports ("Content") and other services ("Services").

The Site, the Content and the Services are provided to you subject to your agreement to be bound by these terms and conditions of use ("Terms and Conditions"). BY ACCESSING OR USING THE SITE OR THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THE SITE OR THE SERVICES.


Use of the Site

Except as expressly provided in these Terms and Conditions, any reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on the Site, the Content and/or the Services, in whole or in part, and any decompilation, disassembly, reverse engineering or other exploitation of the Site or the Services is strictly prohibited. Except as expressly provided in these Terms and Conditions, you acquire absolutely no rights or licenses to the Site, the Content or the Services other than the limited right to use the Site, the Content and the Services in accordance with these Terms and Conditions.

Policy on Links to the TransUnion Web Site

You are given a limited, non-exclusive right to create a hypertext link to the TransUnion home page (www.transunion.hk). However, you may not portray TransUnion or any of its Services in a false or offensive manner. Also, you may not misrepresent your relationship with TransUnion or imply that TransUnion sponsors, endorses, or is affiliated with your web site or products. You may not replicate, modify, or alter the appearance or content of this Site. You may not use, frame, or utilize framing techniques to enclose any TransUnion Trademarks or any of the content of this Site. Except as stated above, you are not given any other right or license to (i) the content of this Site or (ii) any intellectual property or proprietary rights of TransUnion. This limited linking right may be taken away from you at any time at our discretion.

New Services and Modifications and Updates


Whenever new products or services are introduced on the Site as part of the Services, your use of such Services will be subject to these Terms and Conditions unless we notify you otherwise. We reserve the right, in our sole discretion, to modify or update these Terms and Conditions at any time and from time to time. We will notify you of any changes to these Terms and Conditions by notice on this Site. Your continued use of this Site after following notice of such change means that you agree to and accept these Terms and Conditions as amended. If you do not agree to any modifications of these Terms and Conditions, you must immediately stop using this Site.

Privacy

By accessing and using this Site, you are consenting to the collection, use and disclosure of your personal information in accordance with the TransUnion Privacy Policy.

Disclaimer of Warranties and Liability

THE SERVICES OFFERED ON THIS WEB SITE ARE PROVIDED "AS IS", WITH NO REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. USE OF THIS SITE, THE CONTENT AND THE SERVICES IS AT YOUR OWN RISK. TRANSUNION DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, OR TIMELINESS OF THE SITE, THE CONTENT OR THE SERVICES. TRANSUNION DO NOT ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THE SITE, THE CONTENT OR THE SERVICES.

THE CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO PROVIDE FINANCIAL ADVICE TO YOU AND YOU SHOULD NOT RELY UPON THE CONTENT TO PROVIDE ANY SUCH ADVICE. YOU SHOULD SEEK THE ADVICE OF PROFESSIONALS REGARDING THE EVALUATION AND VERIFICATION OF ANY CONTENT PROVIDED ON THE SITE AND, IN ANY EVENT, PRIOR TO MAKING ANY FINANCIAL DECISIONS BASED ON SUCH CONTENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TRANSUNION DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THE SITE, THE CONTENT AND THE SERVICES WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OR THAT THE SITE, THE CONTENT AND/OR THE SERVICES ARE OR WILL BE ERROR-FREE OR WILL OPERATE WITHOUT INTERRUPTION. IN NO EVENT WILL TRANSUNION BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR ANY DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE DAMAGES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES), WHETHER OR NOT TRANSUNION ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THE SITE, THE CONTENT OR THE SERVICES.


Trade-marks and Copyright


Certain names, words, titles, phrases, logos, designs, graphics, icons and marks displayed on the Site, in the Content or with the Services may constitute trademarks or trade names of TransUnion or its licensors. Title to the Site, the Content and the Services and the trademarks or trade names displayed on the Site remains with TransUnion and/or its licensors. Nothing contained in these Terms and Conditions or on the Site shall be construed as conferring by implication, estoppel or otherwise any license or right to use any trade-marks, tradenames, copyright or other intellectual property rights of TransUnion or its licensors. Any unauthorized use of the Site, the Content or the Services or the trademarks, trade names, copyright or other intellectual property rights of TransUnion or its licensors is strictly prohibited, and we reserve the right to take such steps as we deem necessary, including legal action, to enforce such rights.

Compliance with Law

You agree to use the Site, the Content and the Services for lawful purposes only and in a manner consistent with all applicable local, national or international laws, rules and regulations. Potential users in any jurisdiction where laws (whether common or statutory) would: (i) void these Terms and Conditions in whole or in any essential part (the essential parts being at least, but not only, the provisions relating to the governing law and the disclaimer and limitation of liability); or (ii) render accessing the Site or the Content, or using the Services, illegal, are not authorized to use the Site, the Content or the Services.

Policy on Links to Third Party Web Sites


The Site may contain links to third party web sites. TransUnion does not represent, guarantee, or endorse any web site that you may access from this Site. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its offerings. Links contained on this web site are provided solely as a convenience to you. When you access a non-TransUnion web site, please understand that the linked site and its content are not under our control. TransUnion is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

User Information


Subject to the TransUnion Privacy Policy, should you provide electronically or through your access to or usage of the Site or the Services, any information or materials including feedback data, such as questions, comments, suggestions or the like regarding any information contained on the Site, such information and/or materials provided by you shall be deemed to be non-confidential and TransUnion shall have no obligation of any kind with respect to such information and/or materials and shall be free to reproduce, use, disclose and distribute such information and/or materials to others without limitation. You hereby grant to TransUnion a transferable world-wide perpetual, irrevocable, royalty-free, non-exclusive license, including the right to sublicense to others, to use, reproduce, distribute, publish, modify, edit, translate, transmit, adapt and display any information and/or materials provided by you (in whole or in part) and/or incorporate such information and/or materials in any form, media or technology now known or developed in the future.

International Use

Because you can access this web site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from, Hong Kong SAR or the country of your residence.

Applicable Law

The materials in this web site are designed for use by residents of Hong Kong SAR. These Terms and Conditions shall be governed by and construed in accordance with the laws of Hong Kong SAR regardless of the conflict of laws rules and you agree to submit to the exclusive jurisdiction of the courts of Hong Kong SAR.

Indemnification

You agree that your use of the Site, the Content or the Services shall not be made the basis for any claim, suit, demand or cause of action or other proceeding against TransUnion and/or its licensors. You agree, at your own expense, to indemnify and hold TransUnion and our directors, officers, employees, representatives, agents and licensors harmless against any claim, suit, demand, action or other proceeding brought against us, our directors, officers, employees, representatives, agents and licensors by a third party as a result of your breach of these Terms and Conditions.


Severability


If any provision of these Terms and Conditions is held by a court of competent jurisdiction to be illegal, invalid or unenforceable, such provision shall be deemed to be severed and the remaining provisions shall remain in force and effect.

No Waiver

No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.


Electronic Communications


By accessing this Site or sending electronic mail to TransUnion you are communicating with TransUnion electronically. By doing so, you agree to receive communications from TransUnion electronically. TransUnion will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this Site or any other website that that may be generally designated in advance for such purpose. You consent to receiving electronically all agreements, notices, disclosures and other communications that TransUnion provides to you.


Copyright Notice

Copyright © 2007 TransUnion Limited. All Rights Reserved. Except as otherwise stated, TransUnion or its related companies own all content contained in this Site. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Site Content"). The Site Content is protected by copyright laws of Hong Kong SAR and other countries. The Site Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of material from the Site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.

English Version to Prevail

In the event of inconsistencies between the English and Chinese versions of these Terms and Conditions or any Site Content, the English version shall prevail.