Terms & Conditions

Terms & Conditions

Effective Date: January 17, 2025

Effective Date: January 17, 2025

Welcome to Data Furnishing Technologies, Inc. ("the Service"), a SaaS platform facilitating businesses in reporting payment data to national credit bureaus. By accessing or using the Service, you acknowledge and agree to these Terms and Conditions. If you do not agree, do not use the Service.



1. Acceptance of Terms

By accessing or using the Service, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you use the Service on behalf of an organization, you represent that you have the authority to bind the organization to these terms. Failure to comply with these terms may result in account suspension or termination.



2. Eligibility

You must:

  • Be at least 18 years old.

  • Have the legal capacity to enter into a binding agreement.

  • Ensure compliance with all local, state, and federal laws applicable to your use of the Service.



3. FCRA and Legal Compliance

The Service is intended to support compliance with the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and other applicable regulations. However, compliance remains your sole responsibility. By using the Service, you agree to:

  • Provide accurate, complete, and truthful information.

  • Secure necessary authorizations to furnish payment data.

  • Investigate and address disputes in accordance with the FCRA.

  • Avoid using the Service for fraudulent, deceptive, or unauthorized purposes.

Important Note: Data Furnishing Technologies, Inc. does not guarantee compliance with applicable laws. You are solely responsible for ensuring the legality of your activities and data submissions.



4. License and Restrictions

Data Furnishing Technologies, Inc. grants a limited, non-exclusive, non-transferable license to access and use the Service. You agree not to:

  • Reverse-engineer or duplicate the platform.

  • Share, sell, or sublicense the Service without prior written consent.

  • Exploit any part of the Service for unauthorized purposes.

All rights not expressly granted are reserved by Data Furnishing Technologies, Inc.


CONSUMER DATA INDUSTRY ASSOCIATION®, CDIA®, the CREDIT REPORTING RESOURCE GUIDE®, and METRO 2® are registered trademarks of the Consumer Data Industry Association in the United States and/or other countries.

Neither Data Furnishing Technologies, Inc. nor its products or services are affiliated with or endorsed by the Consumer Data Industry Association or CDIA.



5. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials. Activities under your account, including unauthorized use, remain your responsibility. Notify us immediately if you suspect unauthorized access.



6. Prohibited Activities

You agree not to:

  • Misuse the Service or bypass security measures.

  • Submit false, incomplete, or misleading data.

  • Use the Service for unlawful activities.

  • Introduce viruses, malware, or other harmful technologies.



7. Fees and Payment

Access to the Service may require payment of subscription fees. You agree to:

  • Pay all applicable fees and taxes promptly.

  • Adhere to any billing cycles outlined during your subscription.

Refund Policy: Payments are non-refundable unless otherwise required by law or specified in your subscription agreement.



8. Data Privacy and Security

Your use of the Service is governed by our Privacy Policy. By using the Service, you consent to:

  • Collection and processing of your data as outlined in the Privacy Policy.

  • Appropriate measures to safeguard sensitive information, though absolute security cannot be guaranteed.



9. Intellectual Property

All content, trademarks, and technologies provided through the Service are owned by Data Furnishing Technologies, Inc. or its licensors. Unauthorized reproduction or distribution is prohibited.



10. Third-Party Services and Integrations

The Service may use third-party providers for certain functionalities. While we select reputable partners, we are not responsible for:

  • Errors or omissions by third-party services.

  • Service disruptions caused by external integrations.



11. Limitation of Liability

To the fullest extent permitted by law, Data Furnishing Technologies, Inc. is not liable for:

  • Indirect, incidental, or consequential damages.

  • Losses caused by user-provided data inaccuracies.

  • Unauthorized activities carried out using the Service.



12. Indemnification

You agree to indemnify and hold Data Furnishing Technologies, Inc. harmless against claims, damages, or expenses arising from:

  • Your misuse of the Service.

  • Violation of these Terms.

  • Legal disputes related to the data you furnish.



13. Termination

We reserve the right to suspend or terminate your account without notice for violations of these Terms or misuse of the Service.



14. Disclaimer of Warranties

The Service is provided "as is," with no express or implied warranties. This includes, but is not limited to, warranties of merchantability, fitness for a particular purpose, or non-infringement.



15. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.



16. Amendments to Terms

We may revise these Terms periodically. Continued use of the Service after updates constitutes acceptance of any changes.



17. Contact Information

For questions or concerns, contact us at: Data Furnishing Technologies, Inc.
1954 Airport Rd, Suite 116
Atlanta, GA 30341
Email: team@datafurnishing.io