Subscriber Agreement Additional Terms and Conditions

 1. Restricted License

TransUnion Risk and Alternative Data Solutions, Inc. (“TRADS”) grants to Subscriber a restricted personal, non-exclusive, non-transferable, non-sublicenseable, revocable license to obtain and use the TRADS Services as permitted by the Subscriber Agreement and all applicable laws, rules, regulations and regulatory directives. Subscriber shall obtain and use the TRADS Services for Subscriber’s own internal business purposes consistent with these online Terms and Conditions, Subscriber Agreement, and, with respect to Identity Manager, for the purpose certified herein, and for no other purpose. The term “Subscriber” as used herein refers to Subscriber or Agency as such terms are defined in the underlying Subscriber Agreement.

2. Fees

Subscriber agrees to pay all charges and fees applicable to the TRADS Services. All accounts are subject to a minimum monthly fee of twenty-five ($25.00) dollars in order to maintain access to TRADS Services. Unless otherwise agreed to in writing between Subscriber and TRADS, all fees and applicable charges may be revised from time to time without notice to Subscriber. All current and future pricing documents and schedules are deemed incorporated herein by reference. Fees and charges not timely paid may according to the Subscriber Agreement may result in immediate account suspension and/or termination and may be subject to additional reconnection fees. For any past due outstanding amounts, Subscriber agrees to pay all collection fees, costs and reasonable attorneys’ fees if referred for collection. Any delinquent Subscriber account may result in TRADS reporting to Dunn & Bradstreet or other business credit reporting agencies.

3. Audit

Subscriber understands and agrees that, TRADS, including its parents, affiliates and subsidiaries may request information of Subscriber and/or perform on-site audits, in each case for the purpose of investigating and confirming that Subscriber has a permissible purpose for receiving TRADS Services and that Subscriber is acting in accordance with the Subscriber Agreement and applicable law.

Subscriber shall promptly comply with any requests for information, and understands and agrees that, upon reasonable notice, TRADS, including its parents, affiliates and subsidiaries, may conduct on-site audits of Subscriber and its processes and procedures related to Subscriber’s use, storage, and disposal of TRADS Services and Services Information. Subscriber shall fully cooperate with such reviews and audits. Violations discovered in any review or audit may be subject to immediate action including, but not limited to, legal action, suspension of the provision of TRADS Services, termination of the license, reactivation fees, and/or referral to federal or state regulatory agencies.

4. Gramm-Leach-Bliley Act ("GLBA") Data

If Subscriber desires to receive TRADS Services subject to GLBA, Subscriber hereby certifies that the specific purpose(s) for which such TRADS Services will be requested, obtained and used by Subscriber is one or more of the following uses as described in, and as may be interpreted from time to time, by competent legislative, regulatory or judicial authority, and as being encompassed by Section (6802)(e) of the GLBA and the United States Federal Trade Commission rules promulgated thereunder:

  • As necessary to effect, administer, or enforce a transaction requested or authorized by the consumer;
  • To protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;
  • For required institutional risk control, or for resolving consumer disputes or inquiries;
  • For use solely in conjunction with a legal or beneficial interest held by Subscriber and relating to the consumer;
  • For use solely in Subscriber’s fiduciary or representative capacity on behalf of, and with the implied or express consent of, the consumer;
  • To the extent specifically permitted or required under laws other than the GLBA, and in accordance with the Right to Financial Privacy Act of 1978, to law enforcement agencies, to self-regulatory organizations, or for an investigation on a matter related to public safety; or
  • To comply with federal, state, or local laws, rules, and other applicable legal requirements.

5. Drivers Privacy Protection Act ("DPPA") Data

If Subscriber desires to receive TRADS Services subject to DPPA, Subscriber hereby certifies that it will request, obtain, and use such TRADS Services only for one of the following permitted uses under the DPPA:

  • Use by any government agency, including any court or law enforcement agency, in carrying out its functions, or any private person or entity acting on behalf of a federal, state, or local agency in carrying out that agency’s functions.
  • Use in the normal course of business by a legitimate business or its agents, employees, or contractors, but only to verify the accuracy of personal information submitted by the individual to the business or its agents, employees, or contractors; and, if such information as so submitted is not correct or is no longer correct, to obtain the correct information, but only for the purposes of preventing fraud by, pursuing legal remedies against, or recovering on a debt or security interest against, the individual.
  • Use in connection with any civil, criminal, administrative, or arbitral proceeding, in any federal, state, or local court or agency, or before any self-regulatory body, including the service of process, investigation in anticipation of litigation, and the execution or enforcement of judgments and orders, or pursuant to an order of a federal, state, or local court.
  • Use by any insurer or insurance support organization, or by a self-insured entity, or its agents, employees, or contractors, in connection with claims investigation activities, antifraud activities, rating, or underwriting.
  • Use by an employer or its agent or insurer to obtain or verify information relating to a holder of a commercial driver’s license that is required under chapter 313 of title 49, U.S. Code.
  • Use by any licensed private investigative agency or licensed security service for any purpose described above.

6. Fair Credit Reporting Act

TRADS is not a "consumer reporting agency," as defined by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) ("FCRA") and TRADS Services do not constitute a "consumer report," as defined by FCRA and shall not be subject to the FCRA requirements relating to disputes, access, accuracy or otherwise. TRADS Services may not be used in whole or in part as a factor in determining eligibility for credit, insurance, or employment or for any other purpose contemplated by the FCRA.

If Subscriber is using TRADS Services in connection with collection of a consumer debt on its own behalf, or on behalf of a third party, Subscriber shall not use TRADS Services to do the following:

  • Revoke consumer credit.
  • Accelerate consumer payment terms or otherwise change such terms in a manner adverse to a consumer.
  • Include in prioritization and segmentation activities.
  • Determine a consumer’s collectability.

Subscriber shall not take any "adverse action," as defined in the FCRA, or otherwise act in a manner that is contrary to a consumer’s interest unless the basis for doing so is information Subscriber obtains from a source other than TRADS Services.

7. DHI DriverRiskSM Services

If Subscriber elects to receive any DriverRisk driving record data services (collectively, “DriverRisk Services”) in connection with the TRADS Services, Subscriber hereby enters into an agreement with Drivers History Information Sales LLC (“DHI”) through TRADS, as agent for Drivers History Information Sales LLC (“DHI”), into which the following provisions of these Subscriber Agreement Additional Terms and Conditions are incorporated by reference: Sections 1, 2, 3, 5, 6, 12 – 22; provided, however, as so incorporated, each reference to “TRADS” in such provisions shall mean “DHI”, and each reference to “Services” shall mean “DriverRisk Services”. In addition to the foregoing incorporated terms, the following terms and conditions shall apply solely with respect to the DriverRisk Services:

The Driver Risk Services are provided by DHI. DHI makes no representations or warranties, expressed or implied, regarding the accuracy, completeness or timeliness of the Services Information or the results to be obtained with the Services Information, or that the Services Information has been scrubbed against any regulatory or self-regulatory registry. DHI hereby disclaims all express and implied warranties with respect to the Services Information.

Except as expressly set forth in this Agreement, DHI and its third party providers shall have no liability whatsoever to Subscriber or any third party with respect to the Services Information or this Agreement.

Subscriber agrees to indemnify and hold DHI, and its parents, subsidiaries, and affiliates, and each of their respective officers, directors, members, employees, contractors, agents, representatives, successors and assigns, harmless from and against any claims, charges, demands or suits instituted against DHI and its third party data providers arising out of or resulting from Subscriber’s (i) failure to comply with the terms and conditions of this Agreement, (ii) violation of any applicable federal, state or local law, regulation, rule or judicial or administrative order with regard to the subject matter of this Agreement; (iii) any actual, potential or threatened unauthorized access to or use of the Services Information, (iv) any use of the Services Information by individuals or entities that obtain access to the Service Information through or from Subscriber, which have not been authorized by this Agreement to have access to and/or use the Services Information, or (v) its use of or negligent maintenance of the Services Information.

If liability is imposed on DHI, Subscriber agrees that DHI’s total liability for any or all of the Subscriber’s losses or injuries resulting from DHI’s acts or omissions under this Agreement, regardless of the nature of the legal or equitable right claimed to have been violated, shall not exceed the amount the Subscriber paid to DHI for the particular Services Information which is the subject of the alleged breach. Subscriber covenants that it will not sue DHI or any third party for any amount greater than such amount and that it will not seek punitive damages in any suit against DHI or any of its third party providers. Except where expressly noted to the contrary, in no event shall DHI be liable for any indirect, incidental, special, exemplary, punitive, consequential or other damages whatsoever (including, but not limited to, liability for loss of profits), even if advised of the possibility of such damages, without regard to the form of any action, including but not limited to Contract, negligence or other tortious actions, arising out of or in connection with this Agreement or the data. Subscriber also agrees to give DHI immediate written notice of all actions, claims, losses or damages arising out of its use of the Services Information. The obligations and responsibilities of DHI and Subscriber created under this Section are solely and exclusively the obligations and responsibilities of such entities.

8. Death Master File ("DMF") Data

Certain data provided by TRADS as part of TRADS Services may include information obtained from the Limited Access Death Master File (LADMF) made available by the US Department of Commerce National Technical Information Service (NTIS) and subject to regulations found at 15 CFR Part 1110. All TRADS subscribers are required to comply with all applicable laws and, if Subscriber is granted access to LADMF data, Subscriber certifies compliance with 15 CFR 1110. Subscriber’s failure to comply with 15 CFR Part 1110 may subject Subscriber to penalties under 15 CFR 1110.200 of $1,000 for each disclosure or use, up to a maximum of $250,000 in penalties per calendar year.

9. Identity Manager

If Subscriber elects to receive any fraud prevention products and services (whether Identity Verification, Identity Authentication, Identity Alerts, Fraud Score, Phone Verify, ID Passcode, and/or Digital Verification, collectively, “Identity Manager”) offered by TRADS, the following additional terms and conditions apply to such TRADS Services:

With respect to each Subscriber request for Identity Manager, Subscriber also hereby certifies that it is the end user of Identity Manager and that Subscriber and its employees will request, obtain and use Identity Manager only for the following permitted use (“Permitted Use”):

To use in the normal course of business to verify the accuracy of information submitted by the consumer to protect against or prevent actual fraud, unauthorized transactions, claims or other liability.

Subscriber and its employees shall comply with all applicable federal, state and local laws, statutes, rules and regulations including, but not limited to, Section (6802) (e) of the Gramm-Leach-Bliley Act (“GLB”), Title V, Subtitle A, Financial Privacy (15 U.S.C. § 6801-6809) and the United States Federal Trade Commission rules promulgated thereunder, all other applicable privacy laws, “do not call” laws, the Drivers Privacy Protection Act (18 U.S.C. § 2721 et seq.) (“DPPA”) and similar and/or associated state laws and regulations governing the use and disclosure of drivers’ license information, and the Telephone Consumer Protection Act (47 U.S.C. § 227) (“TCPA”) and similar and/or associated state laws and regulations, as they each may be respectively interpreted from time to time, by competent legislative, regulatory or judicial authority.

Subscriber shall not request, obtain or use ID Manager Services for marketing purposes nor for any purpose except as expressly provided for herein. Moreover, Subscriber shall not take any adverse action, which is based in whole or in part on the ID Manager Services, against any consumer. For the purposes of this Addendum, the terms “adverse action” and “consumer” shall have the same respective meaning as those terms are defined in the FCRA.

In no event shall Subscriber use IDMV Service, Identity Alerts, Digital Verification, Phone Verify or ID Passcode, in whole or in part, as a factor in establishing an individual’s creditworthiness or eligibility for (i) credit or insurance, or (ii) employment, nor for any other purpose under the Fair Credit Reporting Act (15 U.S.C. §1681 et seq.) (“FCRA”).

The Fraud Score utilizes, and to the extent, that the IDMA Service requested by Subscriber utilizes, in whole or in part, Consumer Reports as defined in the FCRA, Subscriber certifies that it will request and use each such requested IDMA Service and/or Fraud Score solely for one of the permissible purposes certified in the Service Agreements.

Digital Verification analyzes the attributes of a device used in a transaction, and provides a rating score and other attributes based on the data analyzed. Digital Verification is provided for Subscriber’s internal purposes, and Subscriber shall not: (i) interfere with or disrupt the integrity of performance of Digital Verification or the data contained therein; or (ii) attempt to gain unauthorized access to Digital Verification or its related systems or networks.

Subscriber shall not, and shall not permit any employee or third party to: (a) copy all or any portion of any Digital Verification materials; (b) decompile, disassemble or otherwise reverse engineer the Digital Verification; (c) modify, translate, or otherwise create any derivative works based upon the Digital Verification; (d) distribute, disclose, market, rent, lease, assign, sublicense, pledge or otherwise transfer the Digital Verification or any materials derived therefrom, in whole or in party, to any third party; or (e) remove or alter any copyright, trademark, or other proprietary notices, legends, symbols, or labels appearing on the Digital Verification.

If Subscriber elects the option to obtain Secure Sockets Layer Certificate hosting, Subscriber agrees to the following:

Subscriber must purchase from a third party provider (a “Certificate Authority”) and deliver to TRADS, for TRADS to deliver such to the third party Digital Verification service provider, for installation on service provider’s server cluster, a Secure Sockets Layer Certificate to authenticate the Subscriber’s website (a “Certificate”). Subscriber represents and warrants that it has all the rights necessary to deliver the Certificate to TRADS for delivery to the third party Digital Verification service provider and the third party Digital Verification service provider has the right to install the Certificate on service provider’s server cluster as necessary to provide the enhanced profiling service. Subscriber shall defend, indemnify, and hold TRADS, and its representatives, including parents, subsidiaries and affiliates, and the third party Digital Verification service provider harmless from and against any costs, claims, or liabilities arising out of or relating to any inaccuracy in the foregoing representation and warranty.

Subscriber will provide to TRADS for delivery to the third party Digital Verification service provider a list of any information required by the Certificate Authority that may be necessary for the third party Digital Verification service provider to install the Certificate on service provider’s server cluster. Any such information provided by the third party Digital Verification service provider constitutes the third party Digital Verification service provider’s confidential information, which Subscriber may disclose solely to the Certificate Authority provided that the Certificate Authority is subject to adequate confidentiality restrictions, but no event less than those restrictions Subscriber places on its own confidential information, and such information is sufficiently marked with a legend or similar designation indicating its confidential and proprietary nature.

Subscriber understands that if Subscriber fails to maintain its license to the Certificate, Subscriber may receive an error notification indicating that the Certificate has expired and the action executed may not be secure or accurate. Subscriber agrees that Subscriber has the sole responsibility to maintain the license for the Certificate, and Subscriber assumes all risk arising out of or relating to Subscriber’s failure to maintain the license for the Certificate.

10. Real-Time Phone Carrier Search

If Subscriber elects to receive TRADS’ Real-Time Phone Carrier Search product as part of the TRADS Services, access to and use of such product shall also be subject the following additional terms and conditions:

Subscriber is solely responsible for compliance with all “do not call” or similar laws or regulations in connection with use of the Real-Time Phone Carrier Search product or information obtained therefrom.

Subscriber shall use the Real-Time Phone Carrier Search product or information obtained therefrom in compliance with the Direct Marketing Association’s Privacy Promise and other applicable industry standards.

Subscriber shall not: (i) use the Real-Time Phone Carrier Search product or information obtained therefrom in any way that may violate rights of publicity or privacy of any individual whose personally identifiable data is retrieved; (ii) use the Real-Time Phone Carrier Search product or information obtained therefrom if Subscriber is a telephone solicitor doing business in Massachusetts or Connecticut and using the data provided by TRADS exclusively for the initiation of a telephone call or message to encourage the purchase or rental of, or investment in, property, goods or services, that is transmitted to a consumer; or (iii) violate applicable laws or governmental regulations, including, without limitation, “do not call” legislation, consumer protection, securities, child pornography, obscenity, data privacy, data transfer and communications laws, export laws, or any other applicable international, federal, state or local laws or regulations.

11. Additional Terms and Conditions for CARFAX Vehicle History Reports

TRADS is making CARFAX Vehicle History Report available through the TRADS Services as a third party product and/or service. If Subscriber receives a CARFAX Vehicle History Report through the TRADS Services, access to and use of the CARFAX Vehicle History Report is subject to the following additional third party terms and conditions:

Subscriber may use the CARFAX Vehicle History Report solely for the purpose of evaluating a vehicle for its internal business purposes and in no event may Subscriber use such information as a factor in evaluating any consumer’s eligibility for credit, insurance, employment or any other permissible purpose under the Fair Credit Reporting Act. Subscriber shall not resell, redistribute, compile, alter or disseminate the CARFAX Vehicle History Report in any way to any third party.


  1. Subscriber understands and acknowledges that (i) CARFAX is not a consumer reporting agency and (ii) the CARFAX Vehicle History Report only includes data regarding vehicles and has no bearing on any consumer’s creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living.
  2. Subscriber acknowledges that CARFAX collects data from public records and other sources to generate the CARFAX Vehicle History Report, and such information may contain errors and omissions and that errors can occur in data transmission. Subscriber acknowledges that CARFAX does not guarantee the accuracy or completeness of the CARFAX Vehicle History Report and CARFAX shall have no liability for errors or omissions with respect to the CARFAX Vehicle History Report or any information received through the CARFAX Vehicle History Service. If Subscriber notifies CARFAX when Subscriber believes there may be an error(s) in any CARFAX Vehicle History Report, CARFAX agrees to research any potential errors in the data, and Subscriber agrees to provide assistance and cooperation to CARFAX as necessary for CARFAX’s research into such error(s).
  3. Subscriber acknowledges that information that is available for some jurisdictions may not be available for other jurisdictions and that CARFAX may not have access to some information that may be available to other parties. Subscriber also acknowledges that there may be a period of time between CARFAX’s receipt of information and its inclusion into CARFAX’ Vehicle History Service.
  4. Subscriber acknowledges that CARFAX does not provide any conclusions regarding the condition of any vehicle. Subscriber acknowledges that it will exercise its own independent judgment in determining the applicability, accuracy, reliability and suitability of the CARFAX Vehicle History Report for the permitted use, and Subscriber assumes full responsibility with respect to Subscriber’s decisions and transactions using the CARFAX Vehicle History Report.
  5. CARFAX MAKES AND Subscriber RECEIVES NO WARRANTIES, EXPRESS OR IMPLIED, AND CARFAX EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. In no event shall CARFAX be liable for lost profits or special, indirect, incidental, consequential, punitive or exemplary damages arising under or in connection with the use of the CARFAX Vehicle History. Report by Subscriber, or the performance of, or failure to perform, any obligations hereunder, even if CARFAX has been advised of the possibility of such damages. Subscriber understands and agrees that CARFAX will have no liability to Subscriber in connection with the CARFAX Vehicle History Report.

Subscriber acknowledges and agrees that the CARFAX Vehicle History Report is a third party product and/or service and that TRADS does not compile, produce, prepare, report or provide the CARFAX Vehicle History Report. Accordingly, IN NO EVENT SHALL TRADS BE LIABLE IN ANY MANNER WHATSOEVER to subscriber or other third FOR ANY CLAIMS, LOSSES, OR LIABILITY OF ANY KIND RELATED TO OR ARISING FROM THE CARFAX VEHICLE HISTORY REPORT.

12. Indemnity; Disclaimer of Warranties; Limitation of Liabilities

Subscriber shall indemnify, defend and hold harmless TRADS and its officers, directors and employees, from and against any third party’s claims, suits, damages, and losses, including reasonable attorneys’ fees and costs, arising out of or in connection with (i) Subscriber’s use of TRADS Services or any information derived therefrom, (ii) Subscriber’s violation of any applicable federal, state or local law, regulation, rule, ordinance or judicial or administrative ruling; and (iii) Subscriber’s breach of this Agreement. TRADS may, at its election and expense, be represented by counsel of its choice and be present at all associated proceedings. Subscriber may not settle or consent to the entry of any judgment without the prior written consent of TRADS, which shall not be unreasonably withheld, conditioned or delayed. Subscriber recognizes that TRADS will suffer irreparable harm, and that monetary damages may be incalculable and/or inadequate in the event that Subscriber retains TRADS data in breach of this Agreement, and therefore, such breach shall be entitled to remedy by injunctive relief, in addition to any and all other relief which may be available at law or at equity.

The TRADS Services are provided “as-is”, with no warranties of any kind, whether express, implied in fact or by operation of law, or statutory, including without limitation, those as to quality, non-infringement, accuracy, completeness, timeliness, or currentness, and those warranties that might be implied from a course of performance or dealing or trade usage and warranties of merchantability and fitness for a particular purpose.

TRADS and its representatives, including parents, subsidiaries, and affiliates, shall not be liable to Subscriber or other third parties for, and Subscriber agrees not to sue for, any claim relating to TRADS’s procuring, compiling, collecting, interpreting, reporting, communicating, or delivering TRADS Services.




13. Relationship

The parties are independent contractors. Nothing in this Subscriber Agreement or in the activities contemplated by the parties hereunder shall be deemed to create an agency, partnership, employment, outsourced servicer or joint venture relationship between the parties.

14. Modifications

Modifications to Subscriber Agreement are only binding upon TRADS if contained in a written amendment signed by authorized representatives of TRADS.

These Terms and Conditions are subject to change from time to time. Notice may be given by any reasonable means, including, but not limited to, posting such changes on the website. Accordingly, Subscriber should periodically review these website Terms and Conditions By continuing to enter the Website, Subscriber acknowledges and agrees that it shall be bound by any such modifications.

15. Subscriber Change

Subscriber shall notify TRADS immediately of any changes to the information on the Subscriber’s Application for TRADS Services. Notification of any changes shall be sent via email to TRADS reserves the right to terminate the license to use TRADS Services without further notice upon receipt of any change in Subscriber’s status which in TRADS sole discretion would cause the Subscriber to be unable to comply with its obligations under the Subscriber Agreement.

16. Confidentiality; Reservation of Rights

Subscriber shall hold in confidence and shall not disclose, in whole or in part, information relating to TRADS’s business, including, without limitation, products, services, systems, processes, pricing, data sources, test results, and other TRADS technical and financial information, including the terms of the Subscriber Agreement, as well as TRADS Services and information derived from the TRADS Services (“Services Information”), and any analyses, compilations and reports derived from any of the foregoing.

Except for the limited access and use rights granted in the Subscriber Agreement, TRADS retains all right, title and interest in TRADS Services and Services Information and Subscriber is not granted any ownership rights or title thereto. Subscriber shall not use the TRADS Services or Services Information in any way that may infringe any copyright or other proprietary interests of TRADS or a third party.

17. Access/Security Requirements

TRADS Services may only be accessed from within the United States.

TRADS reserves the right, in its sole discretion, to determine, at a frequency in its sole discretion, the equipment or software required to access the TRADS Services. By way of example and not limitation, requiring that certain web browsers be used for online access to the TRADS Services.

Subscriber shall use TRADS Services and Services Information for Subscriber’s exclusive one-time use. Services Information may not be delivered to, or filed with, third parties.

Subscriber must: (i) not disclose its TRADS ID(s) and TRADS password(s) to anyone other than its authorized employees, even if such individuals claim to be employees of TRADS; (ii) secure all devices used to access TRADS Services as well as all hard copies and electronic files of Services Information to prevent unauthorized access; (iii) permanently destroy all hard copies and electronic files of Services Information when no longer needed and when applicable regulation(s) permit destruction; (iv) have their workstations configured to automatically lock after 15 minutes of inactivity, or set online timeout settings for any TRADS Service (including, without limitation, TLOxp®) session to no more than 15 minutes and (v) not access and/or use the TRADS Services via mechanical, programmatic, robotic, scripted or other automated search means, other than through batch or machine-to-machine applications approved by TRADS.

Subscriber agrees to designate an account administrator to ensure compliance with this Agreement by all users granted access by the Subscriber. Specifically, the account administrator is responsible for (i) allowing only appropriate employees to obtain TRADS Services in compliance with this Agreement; (ii) monitoring appropriate use of TRADS Services by the Subscriber and its employees; (iii) maintaining accurate records of all current employees with access to TRADS Services, and all former employees who have ever accessed them; (iv) issuing guidelines for the appropriate use of TRADS Services by its users; (v) ensuring that each of its users is accessing TRADS Services with only his or her own individually-assigned username and password; and (vi) terminating access when a user is no longer employed by Subscriber, is transferred to new duties not requiring access, or is suspected of improper access or use of TRADS Services. Subscriber will employ appropriate policies and procedures to control access and security of usernames, passwords, and terminal access for TRADS Services. Subscriber will promptly (but in no event later than within twenty-four hours of the occurrence) notify TRADS at of any breach of security in which an unauthorized person has gained access to TRADS Services.

Subscriber will (i) limit access to TRADS Services to only those employees who have a need to access in connection with the duties and obligations under this Agreement; (ii) advise its employees having access to TRADS Services of the proprietary and confidential nature thereof and of the obligations set forth in the Subscriber Agreement; (iii) track and monitor its access to TRADS Services; (iv) prevent any use not in conformance with this Agreement, and (v) maintain records sufficient to demonstrate compliance with its obligations under this Agreement.

Subscriber shall implement and maintain commercially reasonable and appropriate administrative, technical and physical, security safeguards designed to (i) ensure the security and confidentiality of the TRADS Services and Services Information; (ii) protect against any and all reasonably anticipated threats or hazards to the security or integrity of the TRADS Services and Services Information; and (iii) protect against unauthorized access or use of the TRADS Services and Services Information that could result in substantial harm or inconvenience to any consumer.

18. Conflict

In the event a conflict arises between either the terms in the Subscriber Agreement and any other agreement, the terms in the Subscriber Agreement shall prevail.

To the extent that any TRADS Services rely upon or use information from any third-party sources, then those sources shall be intended third-party beneficiaries with all rights and privileges of TRADS. TRADS, and any such sources (as intended third-party beneficiaries), are entitled to enforce the Subscriber Agreement directly against Subscriber.

19. Venue

The Subscriber Agreement and these Terms shall be governed by Delaware law, without reference to its choice of law rules. Venue for all actions shall be in the United States District Court for the Southern District of Florida or the Fifteenth Judicial Circuit Court in and for Palm Beach County, Florida. The prevailing party in any action shall be entitled to reasonable attorneys’ fees and costs.

20. Survival

All provisions in this Subscriber Agreement that relate to disclaimer of warranties, access and use of TRADS Services, audit, limitation of liability, indemnification, Subscriber’s release of claims, confidentiality of TRADS information, and payment for TRADS Services, shall survive any termination of this Subscriber Agreement.

21. Assignment

The Subscriber Agreement and the license granted hereunder may not be assigned, transferred, or sublicensed by Subscriber, in whole or in part.

22. Severability

If any provision of the Subscriber Agreement, including these online Terms and Conditions, is or becomes void or unenforceable by law, the other provisions shall remain valid and enforceable.

23. Injunctive Relief

Subscriber agrees that any breach by Subscriber of its Subscriber Agreement with TRADS may cause TRADS immediate and irreparable harm and that TRADS shall be entitled to seek injunctive relief, without having to post a bond, in addition to any and all other remedies available at law or in equity.

Last Updated: October 16, 2018