^† IMPORTANT DISCLOSURES

You acknowledge and agree that you have carefully reviewed the services described above and agree to purchase them for the price listed. The services described above may vary from the services described elsewhere. WalletHub is a financial technology company, not a bank.

WalletHub does not make any representations or offer any guarantees on its ability to prevent all cybercrime or identity theft. Monitoring services do not cover all relevant transactions at all businesses, institutions or jurisdictions.

If your paid Services includes Identity Theft Insurance;

• For residents of states other than the State of New York, the expense reimbursement insurance benefit for members is underwritten by certain underwriters at Lloyd’s, under a master group policy issued in the name of Sontiq, Inc. and all subsidiaries for the benefit of members. Claims will be reviewed by the insurer in accordance with the terms and conditions of the master group policy. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.
• For residents of the State of New York, the Master Policies of Personal Internet Identity Coverage have been issued to: TransUnion (the "Master Policy Holder"), under Policy Numbers: 7077495 and 16452600 respectively underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.

WalletHub is NOT a credit repair service and does not remove negative credit history from your credit profile. A WalletHub Premium plan is required to access the WalletHub Credit Account and Credit Builder features. Utilizing WalletHub’s Credit Builder or Credit Account is optional and does not guarantee an improved credit score.

Not all bills or payments are eligible for Credit Builder. The impact on your credit score may vary. WalletHub Credit Builder currently reports eligible payments (i.e. rent, phone, electric, gas, and water bills) to TransUnion for inclusion in your credit file.

WalletHub Credit Account applicants must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Subject to approval & identity verification. Available only to residents of the following states: AL, AK, AZ, AR, CO, CT, DE, FL, ID, IL, KS, KY, ME, MA, MN, NE, NV, NJ, NY, NC, ND, OK, PA, PR, SC, TN, TX, UT, VT, VA, WA, WV, WI, WY. Additional account terms apply.

* The average first-month credit score impact of +34 points is based on simulations of adding a WalletHub Credit Account to a random sample of WalletHub members’ credit reports and assuming no other material changes to their credit reports. Individual results may vary. Use of the WalletHub Credit Account does not guarantee that your credit score will improve. Credit score impact is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make minimum payments on time may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. The WalletHub Credit Account is intended exclusively for WalletHub-related purchases.

The credit score shown on WalletHub is based on your TransUnion credit report as well as the VantageScore 3.0 model, and it may differ from what your lender or insurer uses.

If you cancel your paid Services that include TransUnion Credit Lock as a benefit, you will cease receiving Credit Lock upon expiration of your then-current subscription and your locked TransUnion credit report will be unlocked.

Some services may not be available on all jurisdictions.