The terms for using this website, in plain words.
Last updated: Effective:
These terms of use (“terms”) govern your use of crastack.com (the “site”), which is run by Utlyze (“Utlyze,” “we,” “us” or “our”). By using the site, you agree to these terms and to our privacy policy. If you do not agree, do not use the site.
If you use the site for a company or other organization, you confirm that you can accept these terms for it, and “you” includes that organization.
The site describes CRAstack, a software platform for consumer reporting agencies (CRAs). The site itself is for information only.
CRAstack does not furnish consumer reports and is not a consumer reporting agency. Each agency that uses the platform is the consumer reporting agency for its own reports. It stays responsible for its own legal duties, including under the Fair Credit Reporting Act (FCRA) and state law.
Nothing on the site is an offer, a contract or a guarantee. The beta page, including the beta commitments it lists, and the rest of the site describe what we plan to provide to agencies. None of it binds us until it is written into a separate agreement signed by the agency and Utlyze.
Beta participation, pricing and all service terms are set only in that written agreement. If that agreement differs from the site, the agreement controls. Dates, features, connectors and timelines described on the site can change before an agreement is signed.
Product screens on the site are illustrations with example data. The platform may look and work differently.
Compliance guidance from the platform, including guidance from an AI agent, is not legal advice. Nothing on this site is legal advice either. Neither creates a lawyer and client relationship.
Rules for consumer reports and hiring vary by state, county and city, and they change. Agencies and their employer clients should ask their own legal counsel about their obligations. The employer client makes the hiring decision. Neither the platform nor any AI agent makes it.
You may use the site to learn about CRAstack. AI agents and AI assistants may read and summarize the site, including llms.txt, as long as they do not overload it or misstate what it says.
You must not:
The “Book a partner call” buttons take you to a booking page on utlyze.com, which runs under its own terms and privacy policy. We are not responsible for the content, availability or practices of other websites.
The site’s text, graphics, design and code, and the CRAstack name and logo, are protected by copyright, trademark and other laws. You may view, print and share pages from the site for your own internal business use. Do not otherwise copy, change, sell or reuse the site’s content without our written permission.
Other product and company names belong to their owners.
We work to keep the site accurate, but it may contain mistakes or information that is out of date.
The site is provided “as is” and “as available.” To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not promise that the site will always be available or free of errors or harmful code.
To the fullest extent the law allows, Utlyze will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or business opportunities, arising out of or related to the site or these terms.
Our total liability for any claim arising out of or related to the site or these terms will not be more than the amount you paid Utlyze to use the site in the 12 months before the claim.
Some places do not allow some of these limits. Where that is the case, they apply only as far as the law allows. Nothing in these terms limits liability that the law does not allow us to limit. Liability for the platform itself is set in the written agreement, not here.
If someone brings a claim against Utlyze because of your misuse of the site, your breach of these terms, or your violation of the law or of someone else’s rights, you agree to cover Utlyze’s resulting losses and reasonable costs, including reasonable legal fees, to the extent the law allows.
These terms are governed by the laws of the State of Utah, without regard to its conflict of law principles. Any dispute arising under these terms will be resolved in the state or federal courts located in Utah, and you and we agree to the jurisdiction of those courts.
Before either of us starts formal legal action, we both agree to try to resolve the dispute through good faith negotiation for at least 30 days.
We may change, suspend or stop any part of the site at any time. We may also update these terms. When we do, we will post the new version on this page and change the “Last updated” date. Changes take effect when they are posted, and if you keep using the site after that, you accept them. This version takes effect on September 29, 2026.
These terms and our privacy policy are the whole agreement between you and Utlyze about the site. A separate written agreement between an agency and Utlyze governs the CRAstack platform and any services it covers.
If a court finds any part of these terms unenforceable, the rest stays in effect. If we do not enforce a term right away, we have not given up the right to enforce it later. You may not transfer these terms to anyone else. We may transfer them as part of a sale, merger or reorganization.
Questions about these terms: email james@utlyze.com.
The site is run by Utlyze, utlyze.com.