Income Insight

This Addendum (“Addendum”) is entered into by and between Soft Pull Solutions LLC (“Company”) and (“Client”). This Addendum is incorporated by reference into, and made part of, the Subscriber Service Agreement between the parties (the “Agreement”), and governs Client’s use of certain Experian-provided services made available through Soft Pull Solutions LLC. All capitalized terms not otherwise defined herein shall have the meanings set forth in the Agreement.

1. Purpose

This Addendum establishes the terms and conditions under which Client may access and use the following services provided by Experian and resold through Company: Income Insight, Income Insight W2, Debt-to-Income Insight, Debt-to-Income Insight W2, and Asset Insight (collectively, the “Income & Asset Models” or “Services”).

2. Permitted Use

Client shall use the Services only for its own internal business purposes, in furtherance of the original permissible purpose for which the Services were ordered, and only as allowed under the Fair Credit Reporting Act (“FCRA”) and other applicable laws. Services must not be used for model development, model calibration, or any unauthorized analytical purpose.

3. Prohibited Use & No Adverse Action

Client shall not use the Services, in whole or in part, as the basis for taking any adverse action involving a consumer, as defined by the FCRA. Client acknowledges that the Services include estimated values and that Experian does not obtain or verify actual income or asset data. Debt-to-Income Insight and Debt-to-Income Insight W2 are based solely on estimated income and debt data derived from Experian credit files and do not account for unreported debts.

4. Dependency Acknowledgment

Client understands and agrees that Debt-to-Income Insight must be purchased together with Income Insight, and Debt-to-Income Insight W2 must be purchased together with Income Insight W2. Client may not use the “add-on” Services independently.

5. Tenant Screening Use (If Applicable)

If Client uses the Services for tenant screening under FCRA Section 604(a)(3)(F), it shall only use them to validate the income or asset information provided by the individual applicant. Client shall not use the Services to compare multiple applicants or make a leasing decision in favor of one applicant over another. No adverse action may be taken based on the Services.

6. Compliance Responsibility

Client is solely responsible for determining whether use of the Services complies with applicable laws and regulations. Company and Experian make no warranties regarding compliance fitness of the Services for Client’s intended use.

7. Confidentiality & Restrictions

Client shall maintain the confidentiality of the Services and shall not copy, reuse, sell, sublicense, disclose, or reverse engineer the Services. Access may only be granted to authorized employees or third-party processors bound by similar restrictions.

8. Branding and Naming

Client shall use the following service names only: “Income Insight”, “Income Insight W2”, “Debt-to-Income Insight”, “Debt-to-Income Insight W2”, and “Asset Insight”. Client shall not rename, rebrand, or misrepresent the Services in any form.