Last Updated: May 21, 2025

Last Updated: May 21, 2025

Scoring Product Terms of Service

Scoring Product Terms of Service

Welcome to the Fiber Scoring Product-Specific Terms of Service (“Scoring Terms” or “Agreement”)! We appreciate you choosing our services.

Below we have listed important legal terms that apply to anyone who uses our services. These terms are necessary in order to protect both you and us, and to make our services possible and more enjoyable for everyone.

The Fiber Product Agreements are intended to highlight important aspects about using our services. If you utilize the Scoring Services, the Scoring Terms are incorporated as part of the Master Terms.

We understand that legal terms can be exhausting to read, and we’ve tried to make the experience more pleasant. If you have any suggestions on how we can improve them, you are more than welcome to contact us at support@clerkie.io.

1.  DEFINITIONS

“FCRA” means the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., which is a federal law that regulates the collection, dissemination, and use of consumer information, including consumer credit information. It governs how consumer reporting agencies (CRAs) handle personal data and imposes obligations on entities that furnish, use, or maintain this data to ensure accuracy, fairness, and privacy.

“Personal Data” means any information relating to an identified or identifiable individual where such information is protected similarly as personal data, personal information, or personally identifiable information under laws related to privacy and data protection.

“Scored Account Limit” means the maximum number of accounts that can have an assigned score at any given moment, as defined in the Order Form

“Service” or “Services” means the Fiber Scoring platform and its related products and features.

2.  USE OF SERVICES

2.1  License Restrictions. By using the Services, you warrant you will not:
(i) modify, copy, or create derivative works based on the Services;
(ii) resell any portion of the Services; or
(iii) disassemble, reverse engineer, or decompile the Services, or access it in order to:
(iv) build a competitive product or service,
(v) build a product or service using similar ideas, features, functions, or graphics of the Services, or
(vi) copy any ideas, features, functions, or graphics of the Services. 

2.2  Guidelines for Use. You will use the Services for your own business purposes as regarded by this Agreement and will not:
(i) send spam or otherwise duplicative or unsolicited calls or messages in violation of applicable laws;
(ii) send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortious material, including material harmful to children or violative of third-party privacy rights;
(iii) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents, or programs;
(iv) interfere with or disrupt the integrity or performance of the Services; or
(v) attempt to gain unauthorized access to the Services or its related systems or networks.

2.3  FCRA. By using the Services, you attest that Henry Labs is not a “Consumer Reporting Agency” per the definition in the FCRA and the scores provided by Henry Labs do not constitute “consumer reports” as defined by the FCRA.

2.4  Scored Account Limit. The Service will, unless otherwise directed, assign scores to active accounts in the Customer’s inventory up to the Scored Account Limit. If you wish to increase the Scored Account Limit, you may submit an amended Order Form to reflect the number of accounts to which you wish for the Service to assign a score.

3.  OUR RESPONSIBILITIES

3.1  Functionality. We will make the Services available to you under the terms set forth in the Agreement and execute any and all service enhancements from time to time. During the Service Term, the functionality of the Services will not be materially decreased from those available as of the time of contract signing.

3.2  SLA Response Times. The following Service Level Agreement (“SLA”) response times are standard for the Services:

Standard SLAs

Response Time

Critical Issue Response Time

Relates to issues that drive either (a) a complete loss of service or a significant feature that is completely unavailable, and no workaround exists or (b) repeated and excessive downtime causing actual material loss of revenue to Customer.  

3 hours during Business Hours

Major Issue Response Time

Relates to intermittent issues which materially reduce the quality of the Service, though a workaround may be available. There is a potential risk of losing actual or future revenue as a result of a failure of the Services.  

6 hours during Business Hours

Minor Issue Response Time

Relates to failure of the Services which prevents some of the functions from meeting the specifications or cause particular features or functionality to be inoperative. Some non-critical business operations are impaired.  

9 hours during Business Hours

Low Issue Response Time

Relates to an isolated event that has not been reproduced.  

12 hours during Business Hours

3.3  Compliance Obligation: We will provide the Services under the Agreement in compliance with applicable laws and as outlined in our DPA, with the following proviso: we are not responsible for any noncompliance with any laws due to your settings and configurations, or where we have correctly executed your instructions regarding the use of the Services.

3.4  Representation and Warranty. We represent and warrant that Henry Labs will not retain, use, or disclose any Personal Data received from the Customer except as necessary to provide the Services, and we will not sell or otherwise monetize Personal Data in any manner.

4.  CUSTOMER RESPONSIBILITIES

4.1  Use of Scores. You represent and warrant that you will not use the Service or its outputs as a factor in determining eligibility for credit, insurance, employment, housing, or any other FCRA-covered purpose. If you breach the Agreement and use the Service for any decision that might fall under FCRA, you are solely responsible for ensuring FCRA compliance, including having a permissible purpose and providing any required adverse action notices to consumers.

4.2  Compliance with Applicable Laws. Customer agrees to use the Services in compliance with all applicable laws, regulations, and industry standards, including but not limited to the Fair Debt Collection Practices Act (FDCPA), the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable state and international data privacy laws such as the California Consumer Privacy Act (CCPA) and General Data Protection Regulation (GDPR) where relevant. You also agree that you have the right to share Personal Data with us under the GLBA’s service provider exception.

5. FEES

5.1  Service Fee Structure. Unless otherwise noted in your Order Form, the Service Fee, as defined in the Order Form, is charged as a flat monthly fee. You may be subject to a Billing Period minimum, as outlined on your Order Form. 

5.2  Billing Period Minimum. You may be subject to a Billing Period minimum, as outlined on your Order Form. 

6. MISCELLANEOUS

6.1  Amendment; No Waiver. We may modify these by posting any changes to this document and, if you have an active Fiber agreement and changes are material, we will notify you directly (for example, by sending you an email or in-app notification). The revised version will become effective and binding the next business day after it is posted. 

If you do not agree with a modification to the Agreement, you must notify us in writing within thirty (30) days of the revision. If you give us this notice, then your subscription will continue to be governed by the terms and conditions of the Agreement prior to modification until your next renewal date. However, if we can no longer reasonably provide the subscription to you under the terms prior to modification (for example, if the modifications are required by law or result from general product changes), then the Agreement and/or affected Services will terminate upon our notice to you and we will promptly refund any prepaid but unused fees covering use of the Service after termination in accordance with the ‘Effect of Termination or Expiration’ provision of the Master Terms.  

No delay in exercising any right or remedy or failure to object will be a waiver of such right or remedy or any other right or remedy. A waiver on one occasion will not be a waiver of any right or remedy on any future occasion. 

6.2  Acknowledgement of No Guaranteed Outcomes. You understand that the Services’ outputs are probabilistic and may not be accurate or complete, and that you should use your own judgment and other information in making business decisions.

Contact Us

Henry Labs, Inc.

619 7th Street

San Francisco, CA 94103

support@clerkie.io