Last Updated December 21, 2023

These Terms of Use (“Terms”) set forth the terms and conditions that apply to your access and use of all Genesis Advertising Hub products and services (together, the “Services”), and that are made available through our websites including but not limited to www.Genesis Advertising Hub.com and www.genesisadvertisinghub.com, as well as through certain downloadable mobile applications (such websites or mobile applications, the “Site”). In the Terms, “Genesis Advertising Hub” or “we” means Genesis Advertising Hub, Inc. and its

affiliates and subsidiaries (and their predecessors in interest, successors and assigns), and “you” refers to the individual using the Services and, if such individual is using the Services on behalf of an entity or organization, then such entity or organization (and each of your successors and assigns). The Services are intended for U.S. residents only and may include, but are not limited to, free credit score; access to third-party rewards programs; platforms that enable users to locate and contact U.S. financial services, as well as professionals, such as third-party experts, advocates, and advisors, who can provide various services; financial planning services, discussion forums, community forums, bulletin boards, review services, and forums in which users may ask questions of third-party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.

By using or accessing the Services you agree to the Terms, as updated from time to time in accordance with Section 8 below. Because Genesis Advertising Hub provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific Service.