For example, Chase's automatic system seems to
include authorized user accounts.
Not exact matches
You agree to defend, indemnify, and hold harmless the Action Network Group and its affiliates and their officers, directors, employees, consultants, agents, licensors, and suppliers from and against any and all claims, losses, expenses, liabilities, settlements, litigation, damages, and / or costs (
including, but not limited to, fees, costs and other expenses of attorneys and expert witnesses) arising out of or related to: (i) your use of the Site,
including, but not limited to, any Materials or
User Content, (ii) any violation of these Terms of Use or applicable law by you in connection with your use of the Site,
including, but not limited to, any Materials or
User Content, (iii) any actual or alleged infringement by you, or any person accessing the Site,
including, but not limited to, any Materials or
User Content, using your password or
account identifier, of any intellectual property or privacy or other right of any third party, or (iv) any unauthorized use of password protected Materials or
User Content utilizing your
account information, whether or not known or
authorized by you.
Access any portion of the Services that we have not
authorized you to access (
including password - protected areas), link to password - protected areas, attempt to access or use another
user's
account or information, or allow anyone else to use your
account or access credentials; or
If you're considering
including an
authorized user on your credit
account, you'll want to know the truth about the following five myths first.
What makes their credit grow is the fact that all transactions made on the
account will be
included in the
authorized user's credit report.
Contrary to what you may have heard,
authorized user accounts do count in a person's credit score under most scoring systems,
including the FICO ® Classic 4 version that is used for all mortgages today.
Despite not being legally responsible for the debt, all history associated with an
account held in this way is added to the
authorized user's credit file and
included in any credit scores based on that file.
In a tactic known as «piggybacking,»
authorized users are added to card
accounts for the sole purpose of
including an established
account with a positive credit history to an otherwise less - than - stellar credit report.
Once added to your credit file, the latest
account balance and credit limit on the
authorized user card will be
included in your own credit utilization calculations that look at both individual and combined card usage.
All the spending on the
account,
including that of the
authorized user, will count towards this minimum.
2Primary Cardholder remains liable for all charges to the
Account,
including those made by an
Authorized User.
Accounts on which you are an
authorized user are not
included in the report (this could happen with
accounts that are in one spouse's name that the other spouse is
authorized to use)
While initially intended to apply to spouses and significant others who share financial responsibilities, a unique credit - building feature of an
authorized user account is that, without taking responsibility for charges on the card, the entire
account history is
included in the
authorized user's credit file and credit score.
All FICO ® Score versions
include authorized user credit card
accounts when calculating a score.
The term «piggybacking» refers to the way in which the entire credit history of an
account is not only
included in the primary cardholder's credit report and score, but also becomes part of the
authorized user's report and score.
Your letter must
include the name of the
authorized user and your
account number and / or any subaccount number issued to the
authorized user along with the
authorized user's card and any convenience or other access checks issued to the
authorized user.
For example, Chase reports
account activity to the credit reporting agencies for every
user on a card,
including authorized users.
Please see the Summary of Credit Terms for additional information,
including our ability to furnish credit bureaus with
Account information in the name of cardholders and
authorized users.
Site
users are prohibited from violating or attempting to violate the security of this Site,
including without limitation: (1) accessing data not intended for such
user or logging onto a server or an
account which the
user is not
authorized to access; (2) using this Site for unintended purposes or trying to change the behavior of this Site; (3) attempting to probe, scan or test the vulnerability of a system or network or breach security or authentication measures without proper authorization; (4) attempting to interfere with service to any
user, host or network,
including without limitation, via means of submitting a virus to this Site, overloading, «flooding,» «spamming,» «mailbombing» or «crashing»; (5) forging any TCP / IP packet header or any part of the header information in any e-mail or newsgroup posting; and (6) forging communications on behalf of this Site (impersonating this site) or to this Site (impersonating a legitimate
user).
You will not, and will not allow or
authorize others to, use the Services, the Sites or any Materials therein to take any actions that: (i) infringe on PetSmart Charities» or any third party's copyright, patent, trademark, trade secret or other intellectual or proprietary rights, or rights of publicity or privacy; (ii) violate any applicable law, statute, ordinance or regulation (
including those regarding export control); (iii) are defamatory, trade libelous, threatening, harassing, invasive of privacy, stalking, harassment, abusive, tortuous, hateful, constitute discrimination based on race, religion, ethnicity, gender, sex, disability or other protected grounds, or are pornographic or obscene; (iv) interfere with or disrupt any services or equipment with the intent of causing an excessive or disproportionate load on PetSmart Charities or its licensors or suppliers» infrastructure; (v) involve knowingly distributing viruses, Trojan horses, worms, or other similar harmful or deleterious programming routines; (vi) involve the preparation and / or distribution of «junk mail», «spam», «chain letters», «pyramid schemes» or other deceptive online marketing practices, or any unsolicited bulk email or unsolicited commercial email or otherwise in a manner that violate any applicable «anti-spam» legislation,
including that commonly referred to as «CASL»; (vii) would be or encourage conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international laws or regulations; (viii) involve the unauthorized entry to any machine accessible via the Services or interference with the Sites or any servers or networks connected to the Sites or disobey any requirements, procedures, policies or regulations of networks connected to the Sites, or attempt to breach the security of or disrupt Internet communications on the Sites (
including without limitation accessing data to which you are not the intended recipient or logging into a server or
account for which you are not expressly
authorized); (ix) impersonate any person or entity,
including, without limitation, one of PetSmart Charities» or another party's officers or employees, or falsely state or otherwise misrepresent your affiliation with a person or entity; (x) forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Sites; (xi) collect or store personal data about other
account users or attempt to gain access to other
account users»
accounts or otherwise mine information about other
account users or the Sites, or interfere with any other
user's ability to access or use the Sites; (xii) execute any form of network monitoring or run a network analyzer or packet sniffer or other technology to intercept, decode, mine or display any packets used to communicate between the Sites» servers or any data not intended for you; (xiii) attempt to circumvent authentication or security of any content, host, network or
account («cracking») on or from the Sites; or (xiv) in PetSmart Charities» sole discretion, are contrary to PetSmart Charities» public image, goodwill, reputation or mission, or otherwise not in furtherance of our Vision of a lifelong, loving home for every pet.
You will not, and will not allow or
authorize others to, use the Services or the Sites to take any actions that: (i) infringe on any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (ii) violate any applicable law, statute, ordinance or regulation (
including those regarding export control); (iii) are defamatory, trade libelous, threatening, harassing, invasive of privacy, stalking, harassment, abusive, tortuous, hateful, discriminatory based on race, ethnicity, gender, sex or disability, pornographic or obscene; (iv) interfere with or disrupt any services or equipment with the intent of causing an excessive or disproportionate load on the Animal League or its licensors or suppliers» infrastructure; (v) involve knowingly distributing viruses, Trojan horses, worms, or other similar harmful or deleterious programming routines; (vi) involve the preparation and / or distribution of «junk mail», «spam», «chain letters», «pyramid schemes» or other deceptive online marketing practices or any unsolicited bulk email or unsolicited commercial email or otherwise in a manner that violate the Controlling the Assault of Non-Solicited Pornography and Marketing Act (CAN - SPAM Act of 2003); (vii) would encourage conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, federal or international laws, rules or regulations; (viii) involve the unauthorized entry to any machine accessible via the Services or interfere with the Sites or any servers or networks connected to the Sites or disobey any requirements, procedures, policies or regulations of networks connected to the Sites, or attempt to breach the security of or disrupt Internet communications on the Sites (
including without limitation accessing data to which you are not the intended recipient or logging into a server or
account for which you are not expressly
authorized); (ix) impersonate any person or entity,
including, without limitation, one of the Animal League's or other's officers or employees, or falsely state or otherwise misrepresent your affiliation with a person or entity; (x) forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Sites; (xi) collect or store personal data about other Animal League members, Site
users or attempt to gain access to other Animal League members information, or otherwise mine information about Animal League members, Site
users, or the Sites; (xii) execute any form of network monitoring or run a network analyzer or packet sniffer or other technology to intercept, decode, mine or display any packets used to communicate between the Sites» servers or any data not intended for you; (xiii) attempt to circumvent authentication or security of any content, host, network or
account («cracking») on or from the Sites; or (xiv) are contrary to the Animal League's public image, goodwill, reputation or mission or otherwise not in furtherance of the Animal Leagues stated purposes.
The rule seems to apply to any credit card
account that shows up on your credit report,
including co-branded store cards and
authorized user accounts.
2 Primary Cardholder remains liable for all charges to the
Account,
including those made by any
Authorized User.
If you talk to a real person at the bank and explain it is an
account on which you are just an
authorized user, the bank represenative will not
include it in your new
account totals, but that still adds an extra layer of complexity I prefer to avoid.
There is no fee to add Gold Card from American Express
authorized users to your
account, and the terms of the promotional offer specifically
include this option.
This
includes receiving 5,000 points after adding an
authorized user to your
account who makes a purchase during the first 3 months, as well as receiving one free night every year after your
account anniversary (at a Category 1 - 4 Hyatt hotel or resort).
Upon closure of the Citi ® / AAdvantage ® Executive World Elite ™ Mastercard ®
account, all Admirals Club ® benefits and access associated with the
account will be immediately terminated,
including, but not limited to, all benefits afforded to
Authorized Users.
This restriction appears to
include any
accounts where you have been added as an
authorized user by the primary cardholder.
This restriction appears to
include any
accounts where you have been added as an
authorized user by the primary cardholder, though it's possible to ask Chase to reconsider these.
Amex Platinum cardholders can add up to three
authorized users to their
account for a total of $ 175 per year, and those
users are eligible for some of the same benefits as the main
account holder
including lounge access, Global Entry / TSA PreCheck reimbursement, hotel elite status, Fine Hotels & Resorts benefits, Boingo Wi - Fi and Fine Hotels & Resorts benefits.
You agree not to engage in any of the following prohibited activities: (i) copying, distributing, or disclosing any part of the Service in any medium,
including without limitation by any automated or non-automated «scraping»; (ii) using any automated system,
including without limitation «robots,» «spiders,» «offline readers,» etc., to access the Service in a manner that sends more request messages to the Company servers than a human can reasonably produce in the same period of time by using a conventional on - line web browser (except that Humble Bundle grants the operators of public search engines revocable permission to use spiders to copy materials from Humble Bundle for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials); (iii) transmitting spam, chain letters, or other unsolicited email; (iv) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service; (v) taking any action that imposes, or may impose in our sole judgment an unreasonable or disproportionately large load on our infrastructure; (vi) uploading invalid data, viruses, worms, or other software agents through the Service; (vii) collecting or harvesting any personally identifiable information,
including account names, from the Service; (viii) using the Service for any commercial solicitation purposes; (ix) impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (x) interfering with the proper working of the Service; (xi) accessing any content on the Service through any technology or means other than those provided or
authorized by the Service; (xii) bypassing the measures we may use to prevent or restrict access to the Service,
including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Service or the content therein; (xiii) sell, assign, rent, lease, act as a service bureau, or grant rights in the Products,
including, without limitation, through sublicense, to any other entity without the prior written consent of such Products» (defined below) licensors; (xiv) circumventing Service limitations on the number of Products you may purchase,
including, without limitation, creating multiple
accounts and purchasing a total number of Products through such multiple
accounts which exceed the per -
user limitations; or (xv) except as otherwise specifically set forth in a licensor's end
user license agreement, as otherwise agreed upon by a licensor in writing or as otherwise allowed under applicable law, distributing, transmitting, copying (other than re-installing software or files previously purchased by you through the Service on computers, mobile or tablet devices owned by you, or creating backup copies of such software or files for your own personal use) or otherwise exploiting the Products (defined below) in any manner other than for your own private, non-commercial, personal use.
violate or attempt to violate the security of the Site,
including, without limitation: (i) accessing data not intended for you or logging onto a server or an
account that you are not
authorized to access, (ii) trying to change the behavior of the Site, (iii) attempting to probe, scan, or test the vulnerability of a system or network, or to breach security or authentication measures, (iv) attempting to interfere with service to any
user, host, or network,
including, without limitation, via means of submitting malware to the Site, overloading, flooding, spamming, mailbombing, or crashing, (v) forging any header or part of the header information in any email or posting, or (vi) impersonating the Michaels website or impersonating another
user;
You are allowed to connect with the LovePanky servers by HTTP / HTTPS requests using a web browser, and are prohibited from violating or attempting to violate the security of the Website by,
including, without limitation, attempting to breach security or authentication measures without permitted authorization, attempting to access data that is not intended for
users by logging into a server or
account which the
user is not
authorized to access, using administrator passwords to access the Website, submitting a virus, overloading, spamming, or crashing the Website.
If you register as an Real Estate Professional
User, you represent, warrant, and agree that: (1) you are a licensed real estate broker, or licensed real estate agent, and if you are an agent user of the Elm Street Website, you have the permission of your managing broker to register as a Elm Street Real Estate Professional User; (2) you are a member, subscriber or participant in good standing of the Multiple Listing Service that supplies the real estate data and images displayed to you on the Elm Street Website («MLS»); (3) you will terminate your account status if, at any time, you are no longer a licensed real estate broker, or licensed real estate agent, and therefore, are no longer eligible to be a member, subscriber, or participant in good standing of the MLS; (4) you authorize Elm Street to send you emails relating to the Elm Street Website and your Elm Street account; and (5) you will defend, indemnify and hold harmless Elm Street, and its members, managers, subsidiaries, affiliates, officers, employees, agents, and other partners against any and all claims, damages, judgments, and expenses, including attorney» s fees and litigation costs or expenses, arising from your breach of the representations, warranties, duties or obligations made or assumed by you in this Agreem
User, you represent, warrant, and agree that: (1) you are a licensed real estate broker, or licensed real estate agent, and if you are an agent
user of the Elm Street Website, you have the permission of your managing broker to register as a Elm Street Real Estate Professional User; (2) you are a member, subscriber or participant in good standing of the Multiple Listing Service that supplies the real estate data and images displayed to you on the Elm Street Website («MLS»); (3) you will terminate your account status if, at any time, you are no longer a licensed real estate broker, or licensed real estate agent, and therefore, are no longer eligible to be a member, subscriber, or participant in good standing of the MLS; (4) you authorize Elm Street to send you emails relating to the Elm Street Website and your Elm Street account; and (5) you will defend, indemnify and hold harmless Elm Street, and its members, managers, subsidiaries, affiliates, officers, employees, agents, and other partners against any and all claims, damages, judgments, and expenses, including attorney» s fees and litigation costs or expenses, arising from your breach of the representations, warranties, duties or obligations made or assumed by you in this Agreem
user of the Elm Street Website, you have the permission of your managing broker to register as a Elm Street Real Estate Professional
User; (2) you are a member, subscriber or participant in good standing of the Multiple Listing Service that supplies the real estate data and images displayed to you on the Elm Street Website («MLS»); (3) you will terminate your account status if, at any time, you are no longer a licensed real estate broker, or licensed real estate agent, and therefore, are no longer eligible to be a member, subscriber, or participant in good standing of the MLS; (4) you authorize Elm Street to send you emails relating to the Elm Street Website and your Elm Street account; and (5) you will defend, indemnify and hold harmless Elm Street, and its members, managers, subsidiaries, affiliates, officers, employees, agents, and other partners against any and all claims, damages, judgments, and expenses, including attorney» s fees and litigation costs or expenses, arising from your breach of the representations, warranties, duties or obligations made or assumed by you in this Agreem
User; (2) you are a member, subscriber or participant in good standing of the Multiple Listing Service that supplies the real estate data and images displayed to you on the Elm Street Website («MLS»); (3) you will terminate your
account status if, at any time, you are no longer a licensed real estate broker, or licensed real estate agent, and therefore, are no longer eligible to be a member, subscriber, or participant in good standing of the MLS; (4) you
authorize Elm Street to send you emails relating to the Elm Street Website and your Elm Street
account; and (5) you will defend, indemnify and hold harmless Elm Street, and its members, managers, subsidiaries, affiliates, officers, employees, agents, and other partners against any and all claims, damages, judgments, and expenses,
including attorney» s fees and litigation costs or expenses, arising from your breach of the representations, warranties, duties or obligations made or assumed by you in this Agreement.