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The following terms of service are terms of a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and StellarFinance, Inc., its subsidiaries, affiliates, agents and assigns (“StellarFi”, “we”, “us”, or “our”) which sets forth the terms and conditions (“Terms”) for your use of StellarFi’s Application (“StellarFi App”) and StellarFi’s website, stellarfi.com, as well as the products and services offered, operated or made available by StellarFi through the StellarFi App (collectively, the “Services”). The StellarFi App, website and Services are owned and operated by StellarFi, and are being provided to you expressly subject to this Agreement.
By accessing, browsing and/or using the StellarFi App, stellarfi.com or the Services, you acknowledge that you have read, understood, and agree to be bound by the Terms of this Agreement and to comply with all applicable laws and regulations. The Terms of this Agreement, as further described in Section 1 below, form an essential basis of the bargain between you and StellarFi, and this Agreement governs your use of the StellarFi App, stellarfi.com and the Services.
THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO SECTION 23 BELOW FOR MORE INFORMATION.
Please carefully review this Agreement before using the StellarFi App, stellarfi.com or the Services, or accessing any data thereon. If you do not agree to these Terms, you may not access or use the StellarFi App, stellarfi.com or the Services.
To use StellarFi App, stellarfi.com or the Services and to accept the Agreement, you must be (i) a legal resident of the United States;(ii) of legal age to form a binding contract with StellarFi; and (iii) not prohibited by law from using the StellarFi App, our website at stellarfi.com or the Services.
StellarFi reserves the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on its website, stellarfi.com. You should check this Agreement on stellarfi.com periodically for changes. All changes shall be effective upon posting. We will date the Terms with the last day of revision. Your continued use of the StellarFi App, stellarfi.com or the Services after any change to this Agreement constitutes your agreement to be bound by any such changes. StellarFi may terminate, suspend, change, or restrict access to all or any part of the StellarFi App, stellarfi.com or the Services without notice or liability.
StellarFi maintains a Privacy Policy, and it details how we handle and protect data. We fully incorporate our Privacy Policy into this Agreement. Note that we reserve the right to update the Privacy Policy at our discretion, and that any changes made to our Privacy Policy are effective when the updates are live on our website, stellarfi.com.
To access and use the StellarFi App and Services, you must have a computer or mobile device with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox) or mobile device with access to the Internet running either Apple iOS 10.3 or higher, or Android 4.1 or higher. You must also have a valid email address and sufficient storage space to install any required StellarFi Application. StellarFi’s Apps are available on the Apple App Store (for Apple devices) and Google Play Store (for Android devices) and a Progressive Web Application is available on StellarFi’s website.
To access StellarFi’s Services, you must create a StellarFi App user account with StellarFi. This process will include creation of a Login ID and password to access the StellarFi App and the Services. When you sign up for a User account, you agree to provide accurate, current and complete information—such as your name, mailing address, and email address – as may be prompted by any registration forms available through the StellarFi App, in connection with the Services or as otherwise requested by StellarFi for such information (“User Information”). You further represent that you are a legal owner of, and that you are authorized to provide us with, all User Information and other information necessary to facilitate your use of the StellarFi App and Services.
In order to use certain Services, StellarFi may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. If you do not respond to such inquiries or we cannot verify your identity, we can refuse to allow you to use the StellarFi App and/or Services.
Should any of your User Information change, you agree that you will update this information as soon as possible. To update your User Information, you may go to the Settings section of the StellarFi App, click on “Personal Information,” and update your User Information accordingly.
Should you believe or have reason to believe that any of your User Information, including your Login ID and/or password, has been compromised, or that another person is accessing your user account through some other means, you agree to notify us as soon as possible at support@StellarFi.com.
StellarFi provides an integrated financial management platform delivered through the StellarFi App (the “Services”). The Services combine technology tools, account management features, financial monitoring, and program benefits designed to help users better understand, organize, and manage their financial activity.
The Services are provided by StellarFi as a technology and program management provider. StellarFi is not a bank.
The Services may include, among other features:
A more detailed description of these platform features appears in Section 8.1 (Overview of StellarFi Services).
Credit Card Account
StellarFi also provides access to a Visa® credit card account issued by Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC. The credit card account is not issued by StellarFi and is governed solely by the separate Cardholder Agreement between you and TAB Bank. That agreement controls key terms of the credit card account, including APRs, fees, billing rights, dispute rights, and other credit-related terms.
StellarFi provides the technology interface and program management services that allow you to access and manage your card account through the StellarFi App, but StellarFi does not originate credit. Credit is originated by TAB Bank. StellarFi provides technology and program management services supporting the card program. StellarFi may also purchase receivables from the issuing bank and perform account servicing, collections, and credit reporting activities in accordance with applicable law and program agreements.
Platform Services vs. Financial Products
Some features available through the Services involve third-party financial institutions, billers, data providers, or financial product providers. Any financial product you obtain from a third party — including credit cards, loans, or deposit accounts — is governed by that provider’s terms and not solely by this Agreement.
The Services are designed to provide visibility, organization, and educational support regarding your financial activity. StellarFi does not provide legal, tax, credit repair, investment, or financial planning advice, and use of the Services does not guarantee approval for credit, improvement in credit scores, or specific financial outcomes.
To use the Services, you may direct StellarFi to retrieve your account transaction history, balance information, and/or other information maintained by third parties with which you have relationships, maintain accounts or engage in financial transactions (“Third Party Account Information”). StellarFi works with one or more third party service providers to access this Third Party Account Information. We will use this information to provide you with the Services you request, for our own personal, family or household purposes and to offer you other StellarFi products and services that may be of interest to you. By using the Services, you authorize StellarFi to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. By agreeing to this Agreement, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us, and for keeping those passwords and usernames up to date in the StellarFi App. StellarFi does not review the Third Party Account Information for accuracy, legality or non-infringement, and StellarFi is not responsible for your Third Party Account Information or products and services offered by or on third party sites.
You acknowledge that any Third Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity.
8.1 Overview of the Personal Financial Services
If you enroll in StellarFi Services, you gain access to an integrated financial management platform delivered through the StellarFi App. The Services combine credit card management, financial monitoring tools, bill organization, rewards features, and personalized financial insights designed to help you better understand and manage your financial life.
The Services may include:
Credit Card Management: Access tools that allow you to view and manage your StellarFi credit card account, including transaction history, available credit, payment activity, statements, account notifications, and payoff options. The credit card account itself is issued by Transportation Alliance Bank, Inc. dba TAB Bank and governed by a separate Cardholder Agreement.
Credit Monitoring and Insights: View your credit score, credit history, and credit report information provided through third-party data providers. You may receive credit alerts, score tracking, and educational insights designed to help you understand factors that may impact your credit profile. StellarFi may also provide an individualized Credit Action Plan that offers general recommendations based on your financial data. These tools are educational in nature and do not guarantee any specific credit outcome.
Recurring Bill Identification and Management: StellarFi may identify recurring bills and subscriptions based on your linked account activity and allow you to organize, track, and manage those obligations within the App. You may use StellarFi to track and organize recurring bills. Payments are made directly by you to billers outside the Services. StellarFi does not control biller systems and cannot guarantee biller acceptance, processing times, or avoidance of fees.
Rewards, Levels, and Program Features: You may earn rewards, credits, or benefits through StellarFi programs, including referral programs, promotional offers, or engagement-based “levels” within the platform. Levels and rewards may affect available features, benefits, or offers within the App. Rewards have no cash value unless expressly stated and are subject to separate program terms.
Marketplace: Access curated financial product and service offers that may be matched to your profile. Marketplace offers are provided by third parties, and any product you obtain is governed by that provider’s terms, not this Agreement.
Settings and Financial Management Tools: Use platform features that allow you to set preferences, track financial goals, receive notifications, and manage account-related settings within the StellarFi App.
These Services are intended to provide visibility, organization, and educational support regarding your financial activity. StellarFi does not provide legal, tax, credit repair, or investment advice, and use of the Services does not guarantee approval for credit, improvement in credit scores, or specific financial results. Additional terms may apply to certain features or programs.
8.2 Agreement to Credit Card Terms
By applying for and using the StellarFi credit card, you agree to be bound by the separate StellarFi Visa® Credit Card Agreement issued by TAB Bank “the Cardholder Agreement” Key card terms such as APRs, fees, billing rights, and dispute procedures are governed solely by the Cardholder Agreement.
8.3 Platform Access and Fees
StellarFi does not charge fees for access to the StellarFi App or general platform tools.
Fees associated with a credit card account, including annual fees, late fees, returned payment fees, and other charges, are governed solely by the Cardholder Agreement between you and the issuing bank.
StellarFi may offer optional programs, promotions, or marketplace services that could involve third-party fees, which will be disclosed at the time of the offer.
9.1 Overview
StellarFi provides tools that may help you identify, track, and organize recurring bills and subscriptions based on activity in accounts you link to the StellarFi App. These features are for informational and organizational purposes only.
StellarFi does not initiate, process, or remit payments to billers on your behalf. StellarFi does not act as your payment agent, does not access biller websites using your credentials, and does not automate bill payments.
You are solely responsible for making payments to your billers using the payment method of your choice. The Services may encourage or facilitate use of your StellarFi credit card account for eligible payments, but all payment transactions are conducted directly between you and the biller or through the payment method you select.
StellarFi does not control biller systems, payment acceptance policies, processing timelines, or fee structures. We do not guarantee that billers will accept any particular payment method or that use of the Services will prevent late fees, service interruptions, or other consequences of non-payment.
9.2 User Responsibility for Payments
You remain fully responsible for:
Information shown in the StellarFi App regarding recurring bills, estimated amounts, or due dates may be based on historical data or third-party sources and may not reflect real-time changes. You must verify all payment details directly with the biller.
StellarFi is not responsible for payment errors, processing delays, rejected transactions, or fees charged by billers or financial institutions.
9.3 Data Use and Disclosure
To provide recurring bill identification and organization features, StellarFi may use transaction data from linked accounts and may share necessary information with service providers in accordance with our Privacy Policy. StellarFi does not transmit payment instructions to billers and does not store biller login credentials for payment purposes.
9.4 Fees
StellarFi does not charge fees for access to recurring bill identification or organizational tools within the StellarFi App.
Fees associated with a credit card account, including annual fees, late fees, returned payment fees, or other account-related charges, are governed solely by the Cardholder Agreement with the issuing bank and not by this Agreement
10.1 Credit Card Payment Responsibilities and Reporting
If you have a credit card account issued by TAB Bank, you are responsible for making at least the required minimum payment by the Payment Due Date shown on your statement. The Payment Due Date is determined in accordance with your Cardholder Agreement and is generally 21 days after the close of each billing cycle.
Payment activity may be furnished to consumer reporting agencies by the card issuer, StellarFi, or their service providers in accordance with applicable law and the Cardholder Agreement.
Late, missed, or returned payments may be reported as delinquent.
Delinquencies that remain unresolved for a billing cycle or longer may be reflected in your credit report.
StellarFi does not guarantee any change to your credit score. Credit scores are determined independently by credit bureaus and scoring models and may be affected by many factors beyond your use of the Services.
StellarFi is not a credit repair organization and does not remove accurate negative information from credit reports. If you believe information furnished in connection with your account is inaccurate, you may submit a dispute by contacting support@stellarfi.com
10.2 Account Status, Collections, and Platform Access
Failure to make required payments on your credit card account may result in:
Collection activities or other remedies permitted under the Cardholder Agreement and applicable law.
StellarFi may limit or suspend access to certain platform features or membership benefits if your credit card account or StellarFi membership account is not in good standing.
StellarFi does not control overdraft policies or fees imposed by your bank or financial institution and is not responsible for charges resulting from insufficient funds, declined transactions, or payment reversals.
If you believe your account status is in error or wish to discuss available options, you may contact us through the app or at support@stellarfi.com
10.3 Fraud and Misuse
StellarFi reserves the right to investigate suspected fraud, misuse of the Services, or unauthorized activity and to take appropriate action, including account restrictions and reporting as permitted by law.
10.4 Taxpayer Identification Certification
By providing your Taxpayer Identification Number (such as a Social Security Number), you certify, under penalty of perjury, that:
StellarFi does not charge fees for general use of the StellarFi website or mobile application.
Fees associated with a credit card account — including annual fees, late fees, returned payment fees, interest charges, or other account-related charges — are governed solely by the Cardholder Agreement between you and the issuing bank. Any refund, proration, credit, or reversal of such fees is determined exclusively under that agreement and not under this User Agreement.
If StellarFi offers a promotional credit, reward, or incentive through the platform, such items are subject to the terms of the applicable promotion and may be modified or revoked as permitted by those terms.
StellarFi does not charge fees for access to the StellarFi App or platform features.
Fees associated with a credit card account — including annual fees, late fees, returned payment fees, and other charges — are governed solely by the Cardholder Agreement between you and the issuing bank.
If you provide a bank account or debit card as a payment method in connection with your credit card account, you authorize the use of that payment method for card-related obligations in accordance with your Cardholder Agreement and applicable law. This may include payments you schedule, returned payment recovery, or correction of processing errors.
Nature of Authorization
Any electronic payment authorization you provide in connection with your credit card account constitutes your written authorization for electronic debits or credits as permitted under your Cardholder Agreement and ACH Agreement.
This authorization remains in effect until revoked in accordance with the procedures described in your Cardholder Agreement or by updating your payment information through the StellarFi App.
Revocation does not affect transactions already initiated or amounts otherwise owed.
You represent that you are authorized to use the payment method you provide and, if the account is jointly held, that you have authority to act on behalf of any co-owner.
StellarFi is not responsible for fees imposed by your financial institution, including overdraft, insufficient funds, or declined transaction fees.
13.1 Overview
StellarFi may offer rewards, credits, benefits, and promotional features as part of its Levels framework, which is designed to recognize engagement, responsible account behavior, referrals, and participation in StellarFi Services (collectively, “Rewards Features”).
Rewards Features are platform benefits and do not represent money, property, or a vested right.
Rewards, credits, and benefits may be earned through activities such as:
13.2 Levels Framework
StellarFi may organize certain platform benefits into Levels or tiers. Your Level may be based on engagement factors such as account usage, payment history, referrals, or other criteria described in the App.
Levels may affect:
13.3 Referral Features
StellarFi may offer referral incentives as part of its Rewards Features. To participate, you may receive a personal referral link to share.
A referral may qualify when the referred individual:
13.4 Posting and Limitations
Rewards or credits may take time to appear and may be subject to verification, transaction settlement, fraud review, or account status checks.
Rewards Features are not available if your account is not in good standing. StellarFi is not responsible for:
Pending Rewards represent conditional promotional benefits and are not funds, deposits, or property held by StellarFi.
13.5 Eligibility
Rewards Features are void where prohibited. StellarFi may limit or revoke eligibility in cases of suspected abuse, fraud, or misuse of the Services.
Employees of StellarFi and affiliated entities may be ineligible for certain Rewards Features.
13.6 Participation
Rewards Features and Levels are integrated components of the StellarFi Services. By using the Services, you acknowledge that rewards, benefits, or credits may be applied automatically based on your activity, account status, or participation in eligible features.
StellarFi does not offer an option to opt out of Rewards Features while continuing to use the Services. If you choose to discontinue participation in the Services entirely, you may close your StellarFi account in accordance with this Agreement.
StellarFi may modify how Levels are determined, how rewards are earned, or how benefits are applied at any time.
You consent to receive SMS messages (including text messages), and telephone calls (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or StellarFi App. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. StellarFi and our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, emails or other means.
Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.
You agree to use the StellarFi App, stellarfi.com and Services only for lawful purposes. You are prohibited from any use of the Services or StellarFi App that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Any unauthorized use of the StellarFi App or Services, including but not limited to unauthorized entry into StellarFi’s systems, misuse of passwords, or misuse of any information posted on the StellarFi App, stellarfi.com or through the Services is strictly prohibited. StellarFi makes no claims concerning whether use of the StellarFi App, stellarfi.com or Services is appropriate outside of the United States. If you access the StellarFi App, stellarfi.com or the Services from outside of the United States, you are solely responsible for ensuring compliance with the laws and regulations of your specific jurisdiction.
You agree you will not (i) try to reverse engineer, disassemble, decompile, or decipher the StellarFi App, stellarfi.com or the Services or software making up the StellarFi App, stellarfi.com and Services; (ii) navigate or search the StellarFi App, stellarfi.com or Services with any tool, software, agent, engine or other means (including bots, avatars, intelligent agents, or spiders); (iii) use a means other than StellarFi’s provided interface to access the StellarFi App, stellarfi.com or the Services; (iv) use the StellarFi App, stellarfi.com or the Services in a way that could impair, overburden, damage, or disable any portion of the StellarFi App, stellarfi.com or Services;, or (v) mirror any material contained on the StellarFi App, stellarfi.com or the Services.
StellarFi reserves the right to take various actions against you if we believe you have engaged in activities restricted by this Agreement or by law or regulations, and StellarFi also reserves the right to take action to protect StellarFi, other users, and other third parties from any liability, fees, fines, or penalties. We may take actions including, but not limited to: (i) updating information you have provided to us so that it is accurate; (ii) limiting or completely closing your access to the StellarFi App, stellarfi.com or the Services; (iii) suspending or terminating your ability to use the StellarFi App, stellarfi.com or the Services on an ongoing basis; (iv) taking legal action against you; and/or (v) holding you liable for the amount of StellarFi’s damages caused by your violation of this Agreement.
The StellarFi App, stellarfi.com and the Services are owned and operated by StellarFi. All content, visual interfaces, information, graphics, design, compilation, computer code, products, software, services, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever and the selection and arrangement thereof (collectively, the “StellarFi Materials”) are owned exclusively by StellarFi or the licensors or suppliers of StellarFi and are protected by U.S. copyright, trade dress, patent, and trademark laws, international conventions, and all other relevant intellectual property and proprietary rights, and applicable laws. Nothing on this stellarfi.com, StellarFi App or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the StellarFi Materials displayed on the StellarFi App, stellarfi.com or the Services, without our prior written permission in each instance. You may not use, copy, display, distribute, modify or reproduce any of StellarFi Materials found on the StellarFi App, stellarfi.com or the Services unless in accordance with written authorization by us. StellarFi prohibits use of any of the StellarFi Materials as part of a link to or from the StellarFi App, stellarfi.com or the Services unless establishment of such a link is approved in writing by us in advance. Any questions concerning any StellarFi Materials, or whether any mark or logo is a StellarFi Material, should be referred to StellarFi. All rights related to the StellarFi Materials are hereby reserved.
You agree that the StellarFi Materials may not be copied, reproduced, distributed, republished, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the express prior written consent of StellarFi. You acknowledge that the StellarFi Materials are and shall remain the property of StellarFi. You may not modify, participate in the sale or transfer of, or create derivative works based on any StellarFi Materials, in whole or in part.
StellarFi may terminate this Agreement or suspend your access to the StellarFi App, stellarfi.com, or related services at any time, with or without cause or notice, in its sole discretion. This includes access to optional services and features not governed by a separate agreement.
Termination of this Agreement does not terminate your obligations under any separate agreement, including the StellarFi Credit Card Cardholder Agreement, which is governed by its own terms and applicable banking regulations. Any obligations you have under that agreement—including repayment of outstanding balances—remain in full force until satisfied.
The following provisions of this Agreement shall survive termination: Indemnification, Disclaimer of Warranties, Limitation of Liability, Waiver, Dispute Resolution by Binding Arbitration, and General Provisions.
StellarFi also reserves the right to modify or discontinue, temporarily or permanently, any portion of the StellarFi App, stellarfi.com, or the Services, with or without notice.
THE STELLARFI APP, stellarfi.com AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, STELLARFI AND ALL OF ITS SUCCESSORS, PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, STOCKHOLDERS, INVESTORS, EMPLOYEES, AGENTS, REPRESENTATIVES AND ATTORNEYS AND THEIR RESPECTIVE HEIRS, SUCCESSORS, ASSIGNS, LICENSORS AND SUPPLIERS INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS (COLLECTIVELY, THE “STELLARFI PARTIES”) EXPRESSLY MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, STATUTORY, OR IMPLIED AS TO THE CONTENT OR OPERATION OF THE STELLARFI APP, stellarfi.com OR THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE STELLARFI APP, stellarfi.com OR THE SERVICES IS AT YOUR SOLE RISK. IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 WHICH PROVIDES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
THE STELLARFI PARTIES MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE INFORMATION OR CONTENT ON THE STELLARFI APP, stellarfi.com, OR THE SERVICES, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. THE STELLARFI PARTIES MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE STELLARFI APP, stellarfi.com OR SERVICES ARE FREE OF VIRUSES, BUGS, DEFECTS, ERRORS, OR OTHER COMPUTING ROUTINES THAT CONTAIN DAMAGING OR OTHERWISE CONTAMINATING PROPERTIES, OR PROGRAMS INTENDED TO INTERCEPT OR STEAL PERSONAL OR SYSTEM DATA
Please note, the ability to exclude warranties varies in different jurisdictions. To the extent that a jurisdiction places limits on the ability for a party to exclude warranties, these exclusions exist to the extent permitted by law. Because of this jurisdictional variance, some of the above exclusions may not apply to you.
StellarFi does not intend to provide you with any legal, tax, investment or financial planning related advice through the stellarfi app, stellarfi.com or the services. StellarFi is not a law firm, tax advisor, investment adviser, broker, or financial planner. StellarFi encourages you to consider consulting an accountant or other financial advisor aware of your individual circumstances before implementing any financial strategy or making other financial decisions.
StellarFi may send service-related alerts and communications, including but not limited to payment reminders, transaction notifications, billing updates, and account activity alerts. You authorize StellarFi to contact you using any contact information you have provided, including email, SMS, push notification, and/or telephone (including prerecorded or autodialed messages), subject to applicable laws and your opt-in preferences.
While StellarFi will make reasonable efforts to ensure timely and accurate alerts, we do not guarantee their delivery, timeliness, or accuracy. Alerts may be delayed, blocked, or not delivered due to factors outside of our control, including but not limited to carrier issues, connectivity problems, spam filters, or incorrect contact information. You are solely responsible for monitoring your account and ensuring timely repayment and compliance, regardless of alert delivery.
To comply with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA), Fair Debt Collection Practices Act (FDCPA), and state Do Not Call laws, StellarFi will not initiate telephonic communications (including text messages) for payment or collection purposes outside of legally permitted hours or without proper consent. You may withdraw your consent to receive certain communications or update your contact preferences at any time by contacting us at support@stellarfi.com or adjusting your settings in the StellarFi App.
By continuing to use the Services, you acknowledge and agree that:
StellarFi disclaims liability for actions taken or not taken in reliance on alerts, or for third-party reliance on such alerts.
THE STELLARFI PARTIES WILL NOT BE RESPONSIBLE, UNDER ANY CIRCUMSTANCES, TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES, INCLUDING DAMAGES UNDER WARRANTY, CONTRACT, TORT, NEGLIGENCE, OR ANY OTHER CLAIMS, ARISING OUT OF OR RELATING TO YOUR USE OF THE STELLARFI APP, stellarfi.com OR THE SERVICES, THE STELLARFI MATERIALS, OR ANY CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE STELLARFI APP, stellarfi.com OR THE SERVICES, EVEN IF STELLARFI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE STELLARFI PARTIES WILL ALSO NOT BE LIABLE TO YOU FOR ANY USE OF INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED VIA THE STELLARFI APP, stellarfi.com OR THE SERVICES, OR FOR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING FROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO, OR USE OF, THE STELLARFI APP, stellarfi.com OR THE SERVICES. IN NO EVENT WILL THE STELLARFI PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED USD $1,000 (ONE THOUSAND U.S. DOLLARS). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE STELLARFI APP, stellarfi.com OR THE SERVICES OR WITH THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF OUR SERVICES.
To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the StellarFi Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the StellarFi App, stellarfi.com or the Services; (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. StellarFi reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of StellarFi.
YOU ATTEST THAT YOU HAVE READ THIS PROVISION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND US. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN SECTION 23.3 BELOW.
23.1 Election to Arbitrate. You and StellarFi agree that the sole and exclusive forum and remedy for resolution of a Claim be final and binding arbitration pursuant to this Section 23 (the “Arbitration Provision”), unless you opt out as provided in Section 23.3 below. As used in this Arbitration Provision, “Claim” shall include any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, including (except to the extent provided otherwise in the last sentence of Section 23.8 below) the validity or enforceability of this Arbitration Provision, any part thereof, or the entire Agreement. Claims are subject to arbitration regardless of whether they arise from contract; tort (intentional or otherwise); a constitution, statute, common law, or principles of equity; or otherwise. Claims include matters arising as initial claims, counter-claims, cross-claims, third party claims, or otherwise. Please note that you may continue to assert Claims in small claims court, if your Claims qualify and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. The scope of this Arbitration Provision is to be given the broadest possible interpretation that is enforceable.
23.2 APPLICABILITY OF THE FEDERAL ARBITRATION ACT; ARBITRATOR’S POWERS. THIS ARBITRATION PROVISION IS MADE PURSUANT TO A TRANSACTION INVOLVING INTERSTATE COMMERCE AND SHALL BE GOVERNED BY AND ENFORCEABLE UNDER THE FEDERAL ARBITRATION ACT (THE “FAA”). THE ARBITRATOR WILL APPLY SUBSTANTIVE LAW CONSISTENT WITH THE FAA AND APPLICABLE STATUTES OF LIMITATIONS. THE ARBITRATOR MAY AWARD DAMAGES OR OTHER TYPES OF RELIEF PERMITTED BY APPLICABLE SUBSTANTIVE LAW, SUBJECT TO THE LIMITATIONS SET FORTH IN THIS ARBITRATION PROVISION. THE ARBITRATOR WILL NOT BE BOUND BY JUDICIAL RULES OF PROCEDURE AND EVIDENCE THAT WOULD APPLY IN A COURT. THE ARBITRATOR SHALL TAKE STEPS TO REASONABLY PROTECT CONFIDENTIAL INFORMATION.
23.3 OPT-OUT OF ARBITRATION PROVISION. YOU MAY OPT OUT OF THIS ARBITRATION PROVISION FOR ALL PURPOSES BY SENDING AN ARBITRATION OPT OUT NOTICE TO LEGAL@STELLARFI.COM, WITHIN 60 DAYS OF THE DATE OF YOUR ELECTRONIC ACCEPTANCE OF THE TERMS OF THIS AGREEMENT. THE OPT OUT NOTICE MUST CLEARLY STATE THAT YOU ARE REJECTING ARBITRATION; IDENTIFY THE AGREEMENT TO WHICH IT APPLIES BY DATE; PROVIDE YOUR NAME, ADDRESS, AND LAST FOUR DIGITS OF YOUR SOCIAL SECURITY NUMBER; AND BE SIGNED BY YOU. YOU MAY SEND AN OPT-OUT NOTICE IN ANY MANNER YOU SEE FIT AS LONG AS IT IS RECEIVED AT THE SPECIFIED ADDRESS WITHIN THE SPECIFIED TIME. NO OTHER METHODS CAN BE USED TO OPT OUT OF THIS ARBITRATION PROVISION. IF THE OPT OUT NOTICE IS SENT ON YOUR BEHALF BY A THIRD PARTY, SUCH THIRD PARTY MUST INCLUDE EVIDENCE OF HIS OR HER AUTHORITY TO SUBMIT THE OPT OUT NOTICE ON YOUR BEHALF.
23.4 INFORMAL DISPUTE RESOLUTION. IF A CLAIM ARISES, OUR GOAL IS TO LEARN ABOUT AND ADDRESS YOUR CONCERNS AND, IF WE ARE UNABLE TO DO SO TO YOUR SATISFACTION, TO PROVIDE YOU WITH A NEUTRAL AND COST EFFECTIVE MEANS OF RESOLVING THE DISPUTE QUICKLY. YOU AGREE THAT BEFORE FILING ANY CLAIM IN ARBITRATION, YOU MAY SUBMIT CLAIMS BY SENDING AN EMAIL TO SUPPORT@STELLARFI.COM AT ANY TIME.
23.5 ARBITRATION PROCEDURES. THE PARTY INITIATING ARBITRATION SHALL DO SO WITH THE AMERICAN ARBITRATION ASSOCIATION (THE “AAA”) OR JUDICIAL ALTERNATIVES AND MEDIATION SERVICES (“JAMS”). THE ARBITRATION SHALL BE CONDUCTED ACCORDING TO, AND THE LOCATION OF THE ARBITRATION SHALL BE DETERMINED IN ACCORDANCE WITH, THE RULES AND POLICIES OF THE ADMINISTRATOR SELECTED, EXCEPT TO THE EXTENT THE RULES CONFLICT WITH THIS ARBITRATION PROVISION OR ANY COUNTERVAILING LAW. IF YOU HAVE ANY QUESTIONS CONCERNING THE AAA OR WOULD LIKE TO OBTAIN A COPY OF THE AAA ARBITRATION RULES, YOU MAY CALL 1(800) 778-7879 OR VISIT THE AAA’S WEB SITE AT: WWW.ADR.ORG. IF YOU HAVE ANY QUESTIONS CONCERNING JAMS OR WOULD LIKE TO OBTAIN A COPY OF THE JAMS ARBITRATION RULES, YOU MAY CALL 1(800) 352-5267 OR VISIT THEIR WEB SITE AT: WWW.JAMSADR.COM. IN THE CASE OF A CONFLICT BETWEEN THE RULES AND POLICIES OF THE ADMINISTRATOR AND THIS ARBITRATION PROVISION, THIS ARBITRATION PROVISION SHALL CONTROL, SUBJECT TO COUNTERVAILING LAW, UNLESS ALL PARTIES TO THE ARBITRATION CONSENT TO HAVE THE RULES AND POLICIES OF THE ADMINISTRATOR APPLY. THE ARBITRATION WILL BE HELD IN THE U.S. COUNTY WHERE YOU LIVE OR WORK, OR ANY OTHER LOCATION WE AGREE TO.
23.6 ARBITRATION FEES. IF WE ELECT ARBITRATION, WE SHALL PAY ALL THE ADMINISTRATOR’S FILING COSTS AND ADMINISTRATIVE FEES (OTHER THAN HEARING FEES). IF YOU ELECT ARBITRATION, FILING COSTS AND ADMINISTRATIVE FEES (OTHER THAN HEARING FEES) SHALL BE PAID IN ACCORDANCE WITH THE RULES OF THE ADMINISTRATOR SELECTED, OR IN ACCORDANCE WITH COUNTERVAILING LAW IF CONTRARY TO THE ADMINISTRATOR’S RULES. WE SHALL PAY THE ADMINISTRATOR’S HEARING FEES FOR ONE FULL DAY OF ARBITRATION HEARINGS. FEES FOR HEARINGS THAT EXCEED ONE DAY WILL BE PAID BY THE PARTY REQUESTING THE HEARING, UNLESS THE ADMINISTRATOR’S RULES OR APPLICABLE LAW REQUIRE OTHERWISE, OR YOU REQUEST THAT WE PAY THEM AND WE AGREE TO DO SO. EACH PARTY SHALL BEAR THE EXPENSE OF ITS OWN ATTORNEYS’ FEES, EXCEPT AS OTHERWISE PROVIDED BY LAW. IF A STATUTE GIVES YOU THE RIGHT TO RECOVER ANY OF THESE FEES, THESE STATUTORY RIGHTS SHALL APPLY IN THE ARBITRATION NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN.
23.7 APPEALS. WITHIN 30 DAYS OF A FINAL AWARD BY THE ARBITRATOR, ANY PARTY MAY APPEAL THE AWARD FOR RECONSIDERATION BY A THREE-ARBITRATOR PANEL SELECTED ACCORDING TO THE RULES OF THE ARBITRATOR ADMINISTRATOR. IN THE EVENT OF SUCH AN APPEAL, ANY OPPOSING PARTY MAY CROSS-APPEAL WITHIN 30 DAYS AFTER NOTICE OF THE APPEAL. THE PANEL WILL RECONSIDER DE NOVO ALL ASPECTS OF THE INITIAL AWARD THAT ARE APPEALED. COSTS AND CONDUCT OF ANY APPEAL SHALL BE GOVERNED BY THIS ARBITRATION PROVISION AND THE ADMINISTRATOR’S RULES, IN THE SAME WAY AS THE INITIAL ARBITRATION PROCEEDING. ANY AWARD BY THE INDIVIDUAL ARBITRATOR THAT IS NOT SUBJECT TO APPEAL, AND ANY PANEL AWARD ON APPEAL, SHALL BE FINAL AND BINDING, EXCEPT FOR ANY APPEAL RIGHT UNDER THE FEDERAL ARBITRATION ACT (“FAA”), AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF COMPETENT JURISDICTION.
23.8 NO CLASS ACTIONS. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS (INCLUDING AS PRIVATE ATTORNEY GENERAL ON BEHALF OF OTHERS), EVEN IF THE CLAIM OR CLAIMS THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. UNLESS CONSENTED TO IN WRITING BY ALL PARTIES TO THE ARBITRATION, NO PARTY TO THE ARBITRATION MAY JOIN, CONSOLIDATE, OR OTHERWISE BRING CLAIMS FOR OR ON BEHALF OF TWO OR MORE INDIVIDUALS OR UNRELATED CORPORATE ENTITIES IN THE SAME ARBITRATION UNLESS THOSE PERSONS ARE PARTIES TO A SINGLE TRANSACTION. UNLESS CONSENTED TO IN WRITING BY ALL PARTIES TO THE ARBITRATION, AN AWARD IN ARBITRATION SHALL DETERMINE THE RIGHTS AND OBLIGATIONS OF THE NAMED PARTIES ONLY, AND ONLY WITH RESPECT TO THE CLAIMS IN ARBITRATION, AND SHALL NOT (A) DETERMINE THE RIGHTS, OBLIGATIONS, OR INTERESTS OF ANYONE OTHER THAN A NAMED PARTY, OR RESOLVE ANY CLAIM OF ANYONE OTHER THAN A NAMED PARTY; NOR (B) MAKE AN AWARD FOR THE BENEFIT OF, OR AGAINST, ANYONE OTHER THAN A NAMED PARTY. NO ADMINISTRATOR OR ARBITRATOR SHALL HAVE THE POWER OR AUTHORITY TO WAIVE, MODIFY, OR FAIL TO ENFORCE THIS SECTION 24.8, AND ANY ATTEMPT TO DO SO, WHETHER BY RULE, POLICY, ARBITRATION DECISION OR OTHERWISE, SHALL BE INVALID AND UNENFORCEABLE. ANY CHALLENGE TO THE VALIDITY OF THIS SECTION 23.8 SHALL BE DETERMINED EXCLUSIVELY BY A COURT AND NOT BY THE ADMINISTRATOR OR ANY ARBITRATOR.
23.9 SURVIVAL AND SEVERABILITY OF ARBITRATION PROVISION. THIS ARBITRATION PROVISION SHALL SURVIVE THE TERMINATION OF THIS AGREEMENT. IF ANY PORTION OF THIS ARBITRATION PROVISION OTHER THAN SECTION 23.8 IS DEEMED INVALID OR UNENFORCEABLE, THE REMAINING PORTIONS OF THIS ARBITRATION PROVISION SHALL NEVERTHELESS REMAIN VALID AND IN FORCE. IF THERE IS A FINAL JUDICIAL DETERMINATION THAT APPLICABLE LAW PRECLUDES ENFORCEMENT OF THIS ARBITRATION PROVISION’S LIMITATIONS AS TO A PARTICULAR CLAIM FOR RELIEF OR PARTICULAR TERM, THEN THAT CLAIM (AND ONLY THAT CLAIM) OR THAT TERM (AND ONLY THAT TERM) MUST BE SEVERED FROM THE ARBITRATION PROVISION AND MAY BE BROUGHT IN COURT. IF AN ARBITRATION IS BROUGHT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE LIMITATIONS ON SUCH PROCEEDINGS IN SECTION 23.8 ARE FINALLY ADJUDICATED PURSUANT TO THE LAST SENTENCE OF SECTION 23.8 TO BE UNENFORCEABLE, THEN NO ARBITRATION SHALL BE HAD. IN NO EVENT SHALL ANY INVALIDATION BE DEEMED TO AUTHORIZE AN ARBITRATOR TO DETERMINE CLAIMS OR MAKE AWARDS BEYOND THOSE AUTHORIZED IN THIS ARBITRATION PROVISION.
23.10 JUDICIAL FORUM FOR CLAIMS. EXCEPT AS OTHERWISE REQUIRED BY APPLICABLE LAW, IN THE EVENT THAT THIS ARBITRATION PROVISION IS FOUND NOT TO APPLY TO YOU OR YOUR CLAIM, YOU AND STELLARFI AGREE THAT ANY JUDICIAL PROCEEDING (OTHER THAN SMALL CLAIMS ACTIONS) WILL BE BROUGHT IN THE FEDERAL OR STATE COURTS OF LOS ANGELES COUNTY, CALIFORNIA. BOTH YOU AND STELLARFI CONSENT TO VENUE AND PERSONAL JURISDICTION THERE. WE BOTH AGREE TO WAIVE OUR RIGHT TO A JURY TRIAL.
23.11 WAIVER OF RIGHT TO LITIGATE. THE PARTIES ACKNOWLEDGE THAT THEY HAVE A RIGHT TO LITIGATE CLAIMS THROUGH A COURT BEFORE A JUDGE OR JURY, BUT WILL NOT HAVE THAT RIGHT IF ANY PARTY ELECTS ARBITRATION PURSUANT TO THIS ARBITRATION PROVISION. THE PARTIES HEREBY KNOWINGLY AND VOLUNTARILY WAIVE THEIR RIGHTS TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR JURY UPON ELECTION OF ARBITRATION BY ANY PARTY.
Except for Section 23 which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of Texas, without regard to conflict-of-law rules.
StellarFi does not independently initiate electronic fund transfers for general use of the StellarFi App or platform features.
Electronic payments related to financial products made available through StellarFi — including credit card payments, annual fees, returned payment fees, or other charges — are governed by the applicable Cardholder Agreement, ACH Authorization, or other product-specific agreements between you and the relevant financial institution.
StellarFi does not process bill payments, does not act as a payment agent for third-party billers, and does not initiate electronic transfers to pay your bills.
There may be limitations on your bank account or debit card that affect your ability to complete electronic payments. Such limitations are governed by your agreement with your financial institution.
25.1 Lost Credentials
If your StellarFi login credentials are lost or stolen, notify us immediately at support@stellarfi.com
If any provision of this Agreement is found to be invalid, unlawful, void, or unenforceable by either an arbitrator or a court of competent jurisdiction, this Agreement’s remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
You agree that if StellarFi does not enforce any of its legal rights or remedies under this Agreement, or other legal rights or remedies StellarFi has under applicable laws, this shall not be construed as a formal waiver of those rights or remedies or any other rights in any way whatsoever.
This Agreement is the entire understanding and agreement between you and StellarFi. This Agreement supersedes any previous Terms and Conditions agreement or other agreement to which you and StellarFi may have been bound. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. You may not assign or transfer this Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this Agreement or any of our rights or obligations under this Agreement at any time without notice. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
When you click on the confirm button on the “Verify your Identity” page, you authorize the Social Security Administration (SSA) to verify and disclose to StellarFi, Inc. through certain vendors, their service provider(s), for the purpose of verifying your identity, whether your name, Social Security Number (SSN) and date of birth you have submitted matches the information in SSA records. This consent is for a one-time validation within 90 days of the date of submission.
If you have a complaint, the best way to contact us is via the in-app chat. Please clearly communicate in your initial chat message that you are making a complaint. By doing this, you’ll help us to make sure your complaint goes through the right process, and that the issue is resolved as quickly as possible. You can also email us at support@StellarFi.com
You must contact us within 90 days of the incident or issue involved in your complaint. Please provide your name and the email address associated with your StellarFI account.
Once we have received your complaint, we will acknowledge this via email. We will then investigate all the details of your complaint. We will respond with a resolution or update within 10 business days after we receive your complaint. If we need more time, however, we may take up to 45 days to investigate your complaint.
31.1 WRITTEN INSTRUCTIONS FOR CREDIT EDUCATION SERVICES.
WHO MAY USE – (a) You agree that You will use the StellarFi Services only for your own behalf. You will be responsible for all use of your membership number and must notify StellarFi immediately of any unauthorized use of your membership number, or the theft or misplacement of your membership number.
(b) You understand that by enrolling in the StellarFi Service, You are providing “written instructions” in accordance with the federal Fair Credit Reporting Act, as amended (“FCRA”), for StellarFi and its service providers, which may include CSIdentity Corporation (“CSID”), to obtain information from your personal credit profile from Experian, Equifax, and Transunion, the three major credit reporting agencies. You authorize StellarFi and its service providers to use your Social Security number to access your personal credit profile, to verify your identity, and to provide credit monitoring, reporting, and scoring products.
31.2 LIABILITY
NEITHER STELLARFI, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES SHALL HAVE ANY LIABILITY TO YOU AS AN AGENT IN OBTAINING COPIES OF: YOUR PERSONAL CREDIT REPORT, CREDIT ALERT REPORT, QUARTERLY UPDATE, OR CREDIT SCORE. NEITHER STELLARFI, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, FOR THE ACCURACY OF THE INFORMATION CONTAINED IN OR PROVIDED IN CONJUNCTION WITH THE STELLARFI SERVICE. NEITHER STELLARFI, CSID, NOR ANY OF THEIR RESPECTIVE AFFILIATES ASSUME ANY LIABILITY FOR DAMAGES, DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, IN CONNECTION WITH THE PERFORMANCE OF THE SERVICES OR YOUR REQUEST, USE OR ATTEMPTED USE OF THE SERVICES. NEITHER STELLARFI, NOR ANY OF THEIR RESPECTIVE AFFILIATES OR CREDIT INFORMATION SUBCONTRACTORS ARE RESPONSIBLE FOR NEGATIVE FACTUAL INFORMATION CONTAINED IN ANY REPORTS YOU RECEIVE AS PART OF THE SERVICE. THE AGGREGATE LIABILITY OF ALL SUCH PARTIES TO YOU IN ANY EVENT IS LIMITED TO THE AMOUNT WHICH YOU HAVE PAID STELLARFI FOR YOUR MEMBERSHIP. THE STELLARFI SERVICE IS NOT A CREDIT COUNSELING SERVICE AND DOES NOT PROMISE TO HELP YOU OBTAIN A LOAN OR IMPROVE YOUR CREDIT RECORD, HISTORY, OR RATING. THE TERMS OF THIS SECTION SHALL SURVIVE ANY TERMINATION, CANCELLATION, OR EXPIRATION OF THIS AGREEMENT.
31.3 SCORE DISCLOSURES
VANTAGESCORE 3.0 CREDIT SCORE
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you’ll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So, your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don’t be surprised if your lender gives you a score that’s different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender’s score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
If you have questions regarding the Agreement or the practices of StellarFi, please contact us by email at support@StellarFi.com or by regular mail at StellarFinance, Inc. 1700 S. Lamar Blvd, Suite 338 Austin, TX, 78704.
