LEGAL DOCUMENTATION

Terms of Use & Service Agreement

Effective Date: October 20, 2026 · AddrClear Verification Systems LLC

These Terms of Use ("Terms") form a binding legal agreement between you and AddrClear Verification Systems LLC ("AddrClear," "Company," "we," or "us") governing your access to addrclear.com, our verification documentation, and the Customer Portal at /login.

1. Nature of Platform & Non-Lender / Non-CRA Status

AddrClear operates an online residential record-verification, returning-inquiry lookup, and optional third-party partner connection system. AddrClear Verification Systems LLC is not a depository bank, direct consumer lender, loan broker, or Fair Credit Reporting Act ("FCRA") consumer reporting agency, and does not issue consumer credit decisions or extend loans. Where you elect partner connection inside the Customer Portal, AddrClear forwards your verified inquiry to independent third-party finance providers ("Participating Partners").

2. Authorized Portal Use & Eligibility

You must be at least eighteen (18) years of age and a legal resident of the United States to use the Customer Portal. You represent that any email address and surname entered on /login belong solely to you. Attempting to query, enumerate, or access another person's verification file without legal authority is strictly prohibited.

3. Participating Partner Connections & FCRA Authorization

When you affirmatively execute a Partner Connection consent in Step 2 of the Customer Portal, you acknowledge that: (a) each Participating Partner operates as a separate legal entity under its own contracts, rates, and privacy policies; (b) your express written consent authorizes receiving Participating Partners to verify your profile and obtain soft or hard consumer credit reports under the FCRA; and (c) AddrClear neither sets partner pricing nor guarantees any offer or approval.

4. Electronic Disclosures & Digital Records

Digital execution of portal disclosures and verification authorizations is governed by our E-Sign Consent, and platform record handling is governed by our Privacy Policy.

5. Disclaimers & Limitation of Liability

ALL PORTAL AND SITE SERVICES ARE FURNISHED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT EXPRESS OR IMPLIED WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADDRCLEAR VERIFICATION SYSTEMS LLC DISCLAIMS LIABILITY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF SITE ACCESS OR ANY TRANSACTION WITH AN INDEPENDENT PARTICIPATING PARTNER.

6. Governing Law & Binding Individual Arbitration

These Terms are governed by the laws of the State of Delaware without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or addrclear.com shall be resolved exclusively by binding individual arbitration before the American Arbitration Association (AAA), and you waive any right to participate in a class, collective, or representative action.

7. Corporate Contact

AddrClear Verification Systems LLC
1313 N Market St, Suite 5100, Wilmington, DE 19801
Email: [email protected] · Phone: (888) 371-6040