Terms of Use

 

By accessing or using the TransUnion web site, transunion.hk, (the "Site"), mobile application (“TransUnion Mobile”), Content or the Services, you agree to be bound by these terms and conditions (“Terms and Conditions”).This Terms of Use Agreement, together with the Service Agreement, the Privacy Policy and the Security document and the other Legal Documentation are the “Agreement” and contains the terms and conditions upon which you ("you," or the “Subscriber”) may access TransUnion Credit Monitoring or any products through the Site or TransUnion Mobile. By using any of the products or services offered by TransUnion Limited. (“TransUnion”), you agree to be legally bound by these terms. If you do not agree with these terms or you do not want to be bound by them, then do not use any TransUnion products or services, including subscription offerings.

 

Your order of, acceptance of, use of, and/or access to, the products, related websites and content constitute your agreement to abide by each of the terms set forth herein.

 

You must accept the terms of this agreement before you will be permitted to enrol in, register for, purchase or use the Products, Services or other offerings.

 

While you are on the Site or TransUnion Mobile or are using or accessing our product offerings, we may collect certain data about your use of the Site, TransUnion Mobile and the products. By accessing or viewing any of our Site or TransUnion Mobile, you understand that we will be collecting this data. If you do not want us to collect data about you, then do not access any of our Site, TransUnion Mobile and do not enrol in, purchase, or use any of our products or services.

 

 

General Terms

TransUnion maintains this Site and TransUnion Mobile to provide you with information about our products, services or subscription services (including Credit Report, Credit Score and credit monitoring etc.) (“Services”) and to facilitate communication with us and our affiliates. Services will be provided for the period stated in the product description. Please see the Service Agreement for terms about the specific features included in the TransUnion products, services, and subscriptions.

 

Credit Reports, Credit scores and debt analysis will be available for a period of up to one year or until you update your report, otherwise, products will be provided for the period stated in the product description.

 

 

Ownership of Materials

The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Site or TransUnion Mobile, including but not limited to TransUnion®, TrueCredit®, TrueCredit® and Design, and Manage Your Credit Manage Your Life™, are the property of TransUnion or its licensors and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within the Site or TransUnion Mobile, TransUnion owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site or TransUnion Mobile for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion or the owner of the Content.

 

Articles, videos, infographics, blogs, and other creative materials found on the Site, TransUnion Mobile or other websites owned or maintained by TransUnion and its subsidiaries and affiliates are solely the property of TransUnion LLC, TransUnion or the applicable subsidiary or affiliate. No part of this publication may be reproduced or distributed in any form or by any means, electronic or otherwise, now known or hereafter developed, including, but not limited to, the Internet, without the explicit prior written consent from TransUnion or TransUnion LLC.

 

Requests for permission to reproduce or distribute any part of, or all of, this publication should be mailed to:

 

Legal & Compliance
Suite 1001, Tower 6, The Gateway
9 Canton Road, Tsim Sha Tsui
Kowloon, Hong Kong

 

The "T" logo, TransUnion, and other trademarks, service marks, and logos (the "Trademarks") used in this publication are registered or unregistered Trademarks of TransUnion or TransUnion LLC, or their respective owners. Trademarks may not be used for any purpose whatsoever without the express written permission of the Trademark owner.

 

TransUnion reserves the right to publish or use any responses, questions or comments emailed to this address for promotional or other purposes without any further permission, notice or payment of any kind to the sender. All such submissions will be the property of TransUnion.

 

 

Term and Termination; Modification

This Agreement will take effect at the time you click "I Accept & Continue" or sign a Credit Report Application Form and shall terminate (a) when the subscriber cancels his/her subscription by contacting TransUnion via the website or the toll-free number set forth on the web site for cancellations, or (b) upon termination of your subscription or (c) if TransUnion discontinues providing any subscription, subject to your right to receive subscription benefits that you have paid for or to obtain a refund of a portion of your payment; or (d) for any reason at any time in TransUnion’s sole discretion. To cancel your products or subscriptions, please email us at contact@transunion.hk.

 

TransUnion products shall not be used in a manner that defrauds or otherwise abuses the credit reporting or credit scoring systems. TransUnion has the right to suspend or terminate your use of TransUnion Mobile, any product or access to our Site if we determine, in our sole discretion, that your use of our products has abused the credit reporting or credit scoring systems. Further, you agree that TransUnion will not be liable to you or any third party if TransUnion suspends or terminates your access for any reason.

 

TransUnion may (i) change the terms of this Agreement or the feature of the subscription products, or (ii) change the Site or TransUnion Mobile, including eliminating or discontinuing any content or feature of the Site or TransUnion Mobile, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Site or TransUnion Mobile before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site or TransUnion Mobile and/or your subscription after TransUnion has notified you of a change in the Agreement you agree to be bound by all of the changes. You are expected to review the Site or TransUnion Mobile periodically to ensure familiarity with any posted notices of modification.

 

 

Use of the Site, TransUnion Mobile and Content & Services

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 or TransUnion Mobile, the Content and/or the Services, in whole or in part, and any decompilation, disassembly, reverse engineering or other exploitation of the Site, TransUnion Mobile 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, TransUnion Mobile, the Content or the Services other than the limited right to use the Site, TransUnion Mobile, the Content and the Services in accordance with these Terms and Conditions.

 

You shall not transmit, communicate, upload, post, publish on or through the discussion forum of the Site any unlawful, harmful, offensive, threatening, abusive, libelous, harassing, defamatory, vulgar, obscene, profane, hateful, fraudulent, sexually explicit, racially, ethnically, or otherwise objectionable material of any sort, including, but not limited to, any material that encourages conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law.

 

Postings that are not related to the topic or posted multiple times will be removed and the user may be banned from future postings. Solicitations or commercial advertisements are prohibited.

 

You shall not upload or transmit any material that infringes or misappropriates any person's copyright, patent, trademark, or trade secret, or disclose via the Site or TransUnion Mobile any information the disclosure of which would constitute a violation of any confidentiality obligations you may have.

 

You shall not upload any viruses, worms, Trojan horses, or other forms of harmful computer code, nor subject the network or servers to unreasonable traffic loads, or otherwise engage in conduct deemed disruptive to the ordinary operation of the Site or TransUnion Mobile.

 

Any communications on the Site or TransUnion Mobile will be pre-moderated before being posted in the discussion forum of the Site or TransUnion Mobile. If any content of any communications contravene any of these Terms and Conditions, TransUnion reserves the absolute discretion to edit, alter, delete or remove any such content. Moreover, TransUnion reserve absolution discretion to suspend, block and remove any users of the discussion forum of the Site or TransUnion Mobile.

 

 

Policy on Links to the TransUnion Site or TransUnion Mobile

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 or TransUnion Mobile. 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 TransUnion Mobile 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 or TransUnion Mobile 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 or TransUnion Mobile. Your continued use of this Site or TransUnion Mobile 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 or TransUnion Mobile.

 

 

Term and Termination

This Terms of Use will take effect when you click "I Accept & Continue" at the time of purchasing or subscribing to any Services on this Site or TransUnion Mobile and shall terminate (a) when either party gives notice of its intention to terminate to the other party hereto, (b) upon termination of your subscription to any Services or (c) if TransUnion discontinues providing any Services or subscription to the Services, subject to your right to receive subscription benefits that you have paid for or to obtain a refund of a portion of your payment.

 

TransUnion may (i) change the terms of this Terms of Use or the feature of the Services, or (ii) change the Site or TransUnion Mobile, including eliminating or discontinuing any content or feature of the Site or TransUnion Mobile, restricting the hours of availability, or limiting the amount of use permitted, by posting notice of such modification on a page of the Site or TransUnion Mobile before the modification takes effect. All changes shall be effective immediately upon posting of such notice. If you use the Site, TransUnion Mobile and/or your subscription to any Services after TransUnion has notified you of a change in the Terms of Use you agree to be bound by all of the changes. You are expected to review the Site or TransUnion Mobile periodically to ensure familiarity with any posted notices of modification.

 

 

Privacy

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

 

 

Registration and Accurate Information

If you decide to register on our Site or TransUnion Mobile, purchase our products or Services or participate in our affiliate program, contests or surveys, you may be required to register, provide personal information, and select a user name and password. You agree to provide accurate information in your registration and not to share your password with third parties. You agree not to impersonate another person or to select or use a user name or password of another person. You agree to notify TransUnion promptly of any unauthorized use of your account and of any loss, theft or disclosure of your password. Failure to comply with these requirements shall constitute a breach of these terms and conditions and shall constitute grounds for immediate termination of your account and your right to use the Site or TransUnion Mobile.

 

 

Disclaimer of Warranties and Liability

The Services offered on the Site or TransUnion Mobile 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 the Site or TransUnion Mobile, 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 or TransUnion Mobile, the Content, the Services. TransUnion do not assume any responsibility for any errors, omissions or inaccuracies in the Site or TransUnion Mobile, the Content or the Services.

 

TransUnion is not a credit repair organization, or similarly regulated organization under other applicable laws, and do not provide credit repair advice. All tips and suggestions are for reference only and do not form as any professional advice from TransUnion to you. The Content or the Services are provided for informational purposes only and is not intended to provide financial advice to you and you should not rely upon the Content or Services to provide any such advice. You should seek the advice of professionals regarding the evaluation and verification of any content provided on the Site or TransUnion Mobile and, in any event, prior to making any financial decisions based on such content.

 

All tips, suggestions and score calculator are for reference only and do not form as any professional advice from TransUnion to you. Credit score, score factors and score calculator do not draw conclusion or provide credit decisions for credit providers. Credit score is only one piece of information used by credit providers in their credit assessment process. Other than the credit score, credit providers will also consider their own risk acceptance level in lending, their own internal credit score and the applicant’s demographic and financial information. A credit score is a fluid number and is calculated based upon the latest information contained in a credit file at the time the score is requested. Since the credit information of a consumer may change from time to time, a score generated previously may not be the same as the current one. The score factors and score calculator are analyzed based on the information currently obtained from TransUnion members at the time when the credit report was generated with certain assumptions. It serves as a reference only. It is not advisory information for your credit management and will be updated from time to time. Moreover, the same credit applicant with the same score may be accepted by one credit provider, but rejected by another. Such decisions depend on the credit policy of the credit providers and other available information. We are not involved in any way in their credit decision process.

 

To the maximum extent permitted by applicable law, TransUnion disclaim all warranties, representations and conditions of any kind with respect to the Site or TransUnion Mobile, 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, TransUnion Mobile, 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, TransUnion Mobile, the Content or the services.

 

 

Trade-marks and Copyright

The images, text, screens, web pages, materials, data, content and other information ("Content") used and displayed on the Site or TransUnion Mobile, including but not limited to TransUnion®, are the property of TransUnion or its licensors and are protected by copyright, trademark and other laws. In addition to our rights in individual elements of the Content within the Site or TransUnion Mobile, TransUnion owns copyright or patent rights in the selection, coordination, arrangement and enhancement of such Content. You may copy the Content from the Site or TransUnion Mobile for your personal or educational use only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear on the pages copied. Except as provided in the preceding sentence, none of the Content may be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of TransUnion or the owner of the Content.

 

Articles, videos, infographics, blogs, and other creative materials found on or TransUnion Mobile, the Site or other websites owned or maintained by TransUnion and its subsidiaries and affiliates are solely the property of TransUnion or the applicable subsidiary or affiliate. No part of this publication may be reproduced or distributed in any form or by any means, electronic or otherwise, now known or hereafter developed, including, but not limited to, the Internet, without the explicit prior written consent from TransUnion.

 

The "T" logo, TransUnion, and other trademarks, service marks, and logos (the "Trademarks") used in this publication are registered or unregistered Trademarks of TransUnion, or their respective owners. Trademarks may not be used for any purpose whatsoever without the express written permission of the Trademark owner.

 

 

Compliance with Law

You agree to use the Site, TransUnion Mobile, 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 or TransUnion Mobile

The Site or TransUnion Mobile may contain links to third party web sites. TransUnion does not represent, guarantee, or endorse any web site that you may access from the Site or TransUnion Mobile. 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, TransUnion Mobile 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 or TransUnion Mobile, 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 Site or TransUnion Mobile 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 Site or TransUnion Mobile 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, TransUnion Mobile, 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, using TransUnion Mobile 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 TransUnion Mobile 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 © 2007-2018 TransUnion Limited. All Rights Reserved. Except as otherwise stated, TransUnion or its related companies own all content contained in this Site or TransUnion Mobile. 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 or TransUnion Mobile 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.

 

Updated as of Aug, 2018