VeracityHub Terms of Use

These Terms of Use (“Terms”) govern your use of services provided via the VeracityHub (a d/b/a of Metrix Holdings, LLC) platform, including identity verification, reverse phone lookup, one-time passcode authentication, and soft credit inquiries. By accessing or using any site that integrates VeracityHub, you agree to the following Terms.

1. Acceptance of Terms

By using this website or interacting with any VeracityHub-powered service, you accept and agree to be bound by these Terms and all applicable laws. If you do not agree, do not use the services.

2. Description of Services

This website may use the VeracityHub platform to assist in verifying your identity and evaluating your eligibility for certain products or services. This includes:

• Phone number validation (carrier, line type, and real-time status);
• Reverse phone lookup to associate numbers with identity and fraud-risk signals;
• One-Time Passcode (OTP) verification to authenticate your mobile phone;
• Soft credit inquiries to assess financial standing;
• Identity matching using data you provide and public/private records.

These services may be used to determine eligibility, detect fraud, verify your identity, and ensure compliance with federal and state regulations.

3. Consumer Consent and Authorization

By proceeding, you provide explicit consent for the use of these services and understand that your information may be shared with third-party vendors for verification purposes.

Consent Notice

“By proceeding, you authorize us to run a soft credit check.”

Authorization to Obtain a Credit Report and Credit Score: You understand and agree that by submitting your loan/unsecured credit evaluation request, you are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders and financial services with whom your request is shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency. This information is used to provide you with personalized quotes, verify your identity, and assess eligibility.

You also authorize us and our partners to:

• Send a one-time passcode (OTP) to your mobile phone to confirm your identity;
• Use third-party verification services to confirm data you provide (e.g., phone number, address, SSN, employment, banking details);
• Conduct reverse phone lookups to validate identity and detect fraud.

4. Sharing of Information

Your data may be shared with trusted third-party service providers for the purpose of identity verification, credit evaluation, fraud prevention, and compliance. These third parties are contractually obligated to handle your data securely and only for the purposes described.

5. Data Privacy

All data shared and processed via VeracityHub services is subject to applicable data protection laws, including:

• Fair Credit Reporting Act (FCRA)
• Gramm-Leach-Bliley Act (GLBA)
• California Consumer Privacy Act (CCPA), where applicable

For more details, see our Privacy Policy.

6. Disclaimers

VeracityHub is a data service provider and does not make credit decisions, issue loans, or provide financial advice. We do not guarantee the availability, accuracy, or completeness of any third-party data used in our services.

7. Limitation of Liability

To the fullest extent permitted by law, VeracityHub shall not be liable for any indirect, incidental, special, or consequential damages, even if advised of the possibility thereof.

8. Changes to These Terms

We may update these Terms from time to time. Continued use of the services following any changes constitutes acceptance of the revised Terms.

9. Contact