Terms and Conditions

Forward Technology, Inc. (DBA "Worthy") provides credit-monitoring, educational debt-coaching, and related referral services. By accessing or using Worthy, you agree to these Terms of Service (this "Agreement"). We may update or modify this Agreement from time to time, and we encourage you to review it regularly.

Who Can Use Worthy

You must be a resident of the United States or its territories, be at least 18 years old, and maintain an active credit file with TransUnion, Equifax, or Experian in order to use Worthy. We may, in our sole discretion, deny access to Worthy or deactivate any Worthy account at any time and without prior notice.

Privacy

To understand how we handle your personal information and the choices available to you, please review Worthy's Online Privacy Policy and U.S. Consumer Privacy Notice. As explained in those documents, Worthy may share personal information across its affiliated business lines, including those offering credit or debt-related products and services.

License

Once you enroll, Worthy grants you a limited, revocable, non-transferable license to use Worthy solely for your personal, non-commercial purposes. All rights not expressly granted are reserved. We may modify or revoke this license at any time and may limit or restrict access to the service at any time based on geography, system capacity, regulatory requirements, or business considerations. You agree not to:

• use Worthy for any unlawful, fraudulent, or unauthorized purpose;
• misrepresent your identity or provide inaccurate information;
• decompile, reverse engineer, modify, or create derivative works from Worthy's software, tools, or data;
• use robots, scrapers, or automated means to access Worthy;
• copy, distribute, sell, resell, or commercially exploit any portion of Worthy;
• interfere with or disrupt Worthy's systems, servers, or networks

Worthy does not guarantee that any particular credit score, monitoring result, recommendation, or product match will improve your credit or make you eligible for any financial product.

Obtaining Your Credit Information

By enrolling in Worthy, you authorize us to obtain your credit information from one or more consumer reporting agencies on a recurring basis for as long as your Worthy profile remains active. You acknowledge and agree that Worthy may use your credit information, along with any information you provide during or after enrollment, to:

• Deliver credit education, alerts, insights, and personalized recommendations designed to help you understand your credit, improve your score, protect your identity, and support your financial goals; and
• Evaluate your eligibility for products or services and match you with offers that may be relevant or beneficial to you.

Enhanced Offers

From time to time, Worthy may invite you to participate in an enhanced-offers program designed to provide more personalized product recommendations. If you choose to opt in, you agree that Worthy and its affiliated partners may obtain consumer-report information and other data from additional third-party sources on a recurring basis, consistent with the Fair Credit Reporting Act and other applicable laws. If you do not opt in, you may still receive general product offers within Worthy, which are based on the information you already provide and other data derived from your interactions with the service.

Third Party Content & Links

As described in the sections above, Worthy may display, link to, or provide access to third-party products, services, websites, offers, or content ("Third-Party Content"). Third-Party Content is provided solely for your convenience and may include affiliate, sponsored, or referral offers. Worthy does not control, endorse, guarantee, or assume responsibility for any Third-Party Content, including its accuracy, terms, privacy practices, or quality.

Your interactions with any third party—including any purchase, enrollment, data sharing, or dispute—are solely between you and that third party. You agree that Worthy is not responsible or liable for any loss, injury, or damage of any kind incurred as a result of your dealings with third parties.

Before engaging with any Third-Party Content, you should review that party's applicable terms, disclosures, and privacy policies.

Annual Credit Report

Worthy provides you with access to your credit report and Equifax score through our vendor CRS Credit. You should never assume the score provided by Worthy is exactly the same as the one a particular lender might use. In addition to what you receive through Worthy, federal law allows you to obtain a free credit report every year from each of the three nationwide credit bureaus—Experian, Equifax, and TransUnion. You can request these reports at www.AnnualCreditReport.com or by calling 877-322-8228. For additional information about your rights, visit the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Alerts & Communications

To help you stay informed about changes to your credit profile, Worthy may provide you with customized alerts based on information we receive from one or more credit bureaus or other data sources. These alerts may include notifications of significant changes to your credit report, potential signs of identity theft, or indications that your information may be exposed online. Please note that alerts are not guaranteed to detect all instances of fraud, identity theft, or unauthorized activity, and may not be available from all nationwide consumer reporting agencies.

From time to time, we may send alerts or other communications through push notifications, email, text message, or other available channels. By use of our services you expressly consent to these and other electronic communication channels. You are responsible for keeping your contact information with us accurate and up to date. If you do not regularly engage with communications from us, you may experience reduced or discontinued alert delivery. If you prefer not to receive alerts or communications from us, Worthy may not be the right product for you.

Security

For your protection, we recommend using a current web browser that supports modern encryption standards to ensure a secure connection when accessing Worthy. Outdated browsers or devices may not support the level of security necessary to protect your information.

You are solely responsible for maintaining the confidentiality of your Worthy login credentials, including your username and password. Do not share your credentials with anyone. If you believe that someone else may have gained access to your account information, you should immediately update your password and/or terminate your enrollment.

Intellectual Property Rights

All content, features, tools, software, analytics, visual interfaces, graphics, logos, trademarks, trade names, educational materials, and other intellectual property displayed or made available through Worthy ("Worthy Content") are owned by Worthy or its licensors and are protected by copyright, trademark, and other intellectual property laws.

As such, you may not:

• copy, distribute, sublicense, publish, or create derivative works of Worthy Content;
• remove or obscure proprietary notices;
• access Worthy to build a competitive product or service;
• use Worthy's trademarks or branding without prior written consent.

All rights not expressly granted are reserved.

Educational Tools, Coaching Features, and Score Simulators

Worthy may provide coaching features, educational tools, calculators, predictive models, decision-support tools, score simulators, and similar features ("Tools"). These Tools are illustrative and informational only.

You understand and agree that:

• Tool outputs are estimates based on limited data and assumptions;
• Actual credit outcomes may differ, sometimes materially;
• Tool results are not guarantees of any future score, approval decision, or financial outcome;
• Worthy does not provide legal, financial, credit-repair, tax, or professional advice;
• You should consult qualified professionals before making financial decisions.

Worthy is not responsible for any actions you take (or do not take) based on use of the Tools.

Community & User Generated Content

Worthy may offer forums, discussion spaces, review areas, coaching communities, or other interactive features where users may post content ("User Content"). If you choose to submit User Content, you agree that:

• You grant Worthy a worldwide, perpetual, irrevocable, royalty-free, sublicensable license to use, copy, reproduce, modify, publish, translate, distribute, and display your User Content in connection with operating and improving Worthy.
• You are solely responsible for your User Content and represent that it does not violate any laws, infringe any rights, or contain confidential information of others.
• You will not post content that is unlawful, abusive, defamatory, misleading, discriminatory, harassing, fraudulent, or otherwise inappropriate.
• Worthy may moderate, remove, or restrict User Content at any time, but Worthy has no obligation to monitor User Content.
• Worthy does not endorse or guarantee the accuracy of any User Content posted by others.
• Your participation in any community feature is voluntary and undertaken at your own risk.

Worthy may suspend or terminate access to community features for conduct that violates these terms or threatens the safety or integrity of the community.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL WORTHY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES OF ANY KIND, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY—INCLUDING, WITHOUT LIMITATION, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY—ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF WORTHY, EVEN IF WORTHY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OF GOODWILL, BUSINESS INTERRUPTION, LOSS OF DATA, COST OF SUBSTITUTE GOODS OR SERVICES, STATUTORY DAMAGES, OR OTHER INTANGIBLE LOSSES.

Disclaimer of Warranty

YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF WORTHY IS AT YOUR SOLE RISK. WORTHY IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WORTHY AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WORTHY OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE IN THIS AGREEMENT.

Indemnification

You agree to indemnify, defend, and hold harmless Worthy, its affiliates and subsidiaries, and their respective officers, directors, employees, agents, successors, and assigns from and against any and all losses, liabilities, damages, costs, claims, and demands (including reasonable attorneys' fees) arising out of or relating to:

• your breach of this Agreement;
• your use or misuse of Worthy;
• any allegation that your use of Worthy violates applicable law; or
• any claim resulting from your negligent acts or omissions.

Your obligations under this Section will survive termination or expiration of this Agreement and/or your use of Worthy. You agree to cooperate fully and reasonably in the defense of any claim subject to this Section.

Worthy reserves the right, at its own expense, to assume exclusive control over the defense and settlement of any matter otherwise subject to indemnification by you. You acknowledge that improper or unauthorized use of W may cause irreparable harm, and Worthy may seek equitable relief in addition to other available remedies.

Cancelling Your Account

You may cancel your Worthy account at any time. Cancellation will revoke your authorization for Worthy to obtain your credit report(s) and credit score(s). Please allow up to 45 days for full processing of your request.

No Waiver

If Worthy does not enforce any right or remedy under this Agreement, such inaction does not constitute a waiver. Any waiver is effective only if expressly stated in a signed written document.

Remedies and Injunctive Relief

We may use any remedies available under applicable law in addition to the remedies described in these terms. You agree that Worthy may seek injunctive or similar urgent equitable relief regarding any matter arising out of this Agreement, in addition to any other legal remedies available.

Severability

If any provision of these terms is determined to be unlawful or unenforceable, that provision will be deemed automatically revised to the minimum extent necessary to comply with applicable law while preserving our original intent as closely as possible. The remaining provisions will continue in full force.

Survival

Any provisions of this Agreement that by their nature should survive termination will continue to apply even after your Worthy service ends.

Third-Party Beneficiaries

You and Worthy (including Worthy's affiliates and related companies) may enforce rights under these terms. No other person or entity is intended to be, nor shall be deemed to be, a third-party beneficiary of this Agreement.

Assignment

Worthy may assign or transfer its rights under this Agreement to another party. You may not assign or transfer your rights or obligations under this Agreement.

Governing Law; Jurisdiction and Venue

These terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to any choice-of-law rules that might direct the application of another jurisdiction's laws. To the maximum extent permitted under applicable law, these terms will not be subject to the Uniform Computer Information Transactions Act as enacted or amended in any jurisdiction.

You irrevocably and unconditionally submit to the exclusive jurisdiction and venue of the state and federal courts located in Delaware for any dispute arising out of or relating to this Agreement or your use of Worthy.

Dispute Resolution; Binding Arbitration; Class Action Waiver

To the fullest extent permitted by law, you and Worthy agree to resolve any dispute, claim, or controversy arising out of or relating to this Agreement or your use of Worthy through binding individual arbitration, and not in court. You and Worthy each waive any right to a jury trial.

This arbitration provision survives termination of your account or this Agreement.