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The FICO Web Site (the “Site”) is an online information service provided by Fair Isaac Corporation (“FICO”), subject to your compliance with the terms and conditions set forth below.
Please read the following information carefully before using this Site. By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree with any of the below Terms of Use, do not use this Site. FICO reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time and by continuing to use the Site after the posting of a modification, you accept the modification.
The terms and conditions herein apply to Fair Isaac Corporation, its parent companies, subsidiaries, affiliates, and divisions, all of which are referred to herein as “FICO”. The terms and conditions herein are in addition to, and do not override, the specific terms and conditions that apply to the products or services offered by FICO.
Nothing in this Site shall be construed as creating any warranty or other obligation on the part of FICO. The terms and conditions applicable to any FICO product or service are contained in the specific agreement(s) relating to such product or service.
Information offered on this Site is provided “as is” without any express or implied warranty of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event will FICO be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages for any use of this Site or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, whether in an action based on contract, negligence or other tortious action, even if FICO is expressly advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of warranties or damages in certain types of agreements, so the above exclusions or limitations may not apply to you. In no event will FICO warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability or fitness for any particular use or purpose of any information or any products or services featured on this Site.
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FICO, the FICO Logo and the FICO product and service names referenced in this Site (“FICO Marks”) are trademarks and service marks or registered trademarks and service marks of Fair Isaac Corporation.
Copyright Notice: © 2018 Fair Isaac Corporation. All Rights Reserved. Please refer to the FICO Copyright Usage Requirements for additional information concerning copyrights.
You are granted a limited, non-exclusive right to create a hypertext link to this Site provided that such link (i) does not portray FICO and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement or affiliation of your web site or products by FICO. This limited linking right may be revoked at any time. You may not modify or alter the appearance or content of the home page or Site, or use framing techniques to enclose any FICO trademark, logo or other proprietary information, including the images found at this Site, the content of any text or the layout/design of any page or form contained on a page without FICO’s express written consent. To obtain consent, please email your request to webmanager@fico.com or send regular mail to Internet Manager; FICO; 200 Smith Ranch Road; San Rafael, CA 94903; USA. You are granted only a limited license and nothing herein shall grant to you any rights in or to (i) any FICO Marks; (ii) the content of the Site; nor (iii) any other intellectual property or proprietary rights of FICO.
FICO makes no representations, warranties or endorsements with respect to any non-FICO web site which may be accessed from this Site. When you access a non-FICO web site, please understand that FICO has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items.
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This Site is for informational purposes only and is not intended to provide any financial, legal, or investment advice. Some of the information on this Site may contain certain forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 regarding events and trends that may affect FICO’s future results. Such statements are subject to risks and uncertainties that could cause FICO’s actual results to differ materially. Such factors include, but are not limited to, FICO’s ability to recruit and maintain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, regulatory changes applicable to the use of consumer credit and other data, its ability to continue to develop new and enhanced products and services, competition, market demand and other factors described in FICO’s annual report to stockholders, its annual report on Form 10-K, quarterly reports on Form 10-Q, and other reports filed with the Security and Exchange Commission.
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Any action against FICO must be brought within six (6) months after the cause of action arises. FICO is not responsible for delay or failure to perform due to causes beyond its reasonable control.
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The following FICO products are protected by patents in the U.S. and other countries. This website is provided to comply with the virtual patent marking provisions of the America Invents Act. The following list of FICO products may not be all inclusive, and other FICO products not listed here may be protected by one or more patents.
FICO® Analytic Cloud: Protected by U.S. Patent No. 9,690,575. Additional patents may be pending in the U.S. and other countries.
FICO® Analytic Modeler Decision Tree Professional: Protected by U.S. Patent No. 7,930,196. Additional patents may be pending in the U.S. and other countries.
FICO® Analytic Modeler Scorecard Professional: Protected by U.S. Patent No. 8,984,022. Additional patents may be pending in the U.S. and other countries.
FICO® Blaze Advisor® decision rules management system: Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,000,199; 7,152,053; 7,277,875; 7,428,519; 7,613,671; 7,831,526; 7,835,932; 7,930,196; 7,937,335; 8,099,376; 8,200,609; 8,237,716; 8,280,836; 8,730,241; 9,483,236; 9,990,270; 10,133,562; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. Additional patents may be pending in the U.S. and other countries.
FICO® Card Alert Service: Protected by U.S. Patent Nos. 7,761,379; 7,945,515; 10,115,153 and Canadian Patent No. 2,367,462. Additional patents may be pending in the U.S. and other countries.
FICO® Collection Score: Protected by U.S. Patent Nos. 7,191,150 and 7,536,348. Additional patents may be pending in the U.S. and other countries.
FICO® Credit Capacity Custom Solution: Protected by U.S. Patent No. 7,970,676 and 8,099,356. Additional patents may be pending in the U.S. and other countries.
FICO® Decision Management Suite: Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,152,053; 7,188,169; 7,277,875; 7,428,519; 7,613,671; 7,702,576; 7,774,272; 7,813,981; 7,835,932; 8,099,376; 8,312,389; 8,682,762; 9,632,847; 9,690,575; 10,180,861; 10,380,508; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. Additional patents may be pending in the U.S. and other countries.
FICO® Decision Modeler: Protected by U.S. Patent Nos. RE43,474; 6,865,566; 6,965,889; 6,968,328; 6,993,514; 7,000,199; 7,152,053; 7,277,875; 7,428,519; 7,613,671; 7,831,526; 7,835,932; 7,930,196; 7,937,335; 8,099,376; 8,200,609; 8,237,716; 8,280,836; 8,730,241; Indian Patent No. 240176 and Chinese Patent No. ZL2004 8 0015675.8. Additional patents may be pending in the U.S. and other countries.
FICO® Decision Optimizer: Protected by U.S. Patent No. 7,689,528. Additional patents may be pending in the U.S. and other countries.
FICO® Economic Calibration Service: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.
FICO® Economic Impact Custom Solution: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.
FICO® Economic Impact Index: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.
FICO® Economic Impact Service: Protected by U.S. Patent No. 8,706,596. Additional patents may be pending in the U.S. and other countries.
FICO® Falcon® Cybersecurity Analytics: Protected by U.S. Patent Nos. 7,961,857; 8,559,607; 8,677,129; 8,805,836; 8,824,648; 9,191,403; 9,438,570; 9,531,738 and Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom and Patent No. 2005381 in France, Germany and the United Kingdom. Additional patents may be pending in the U.S. and other countries.
FICO® Falcon® Fraud Manager: Protected by U.S. Patent Nos. 6,597,775; 6,691,136; 6,850,606; 7,158,622; 7,191,150; 7,263,506; 7,376,618; 7,457,401; 7,536,348; 7,672,833; 7,756,783; 7,761,379; 7,853,526; 7,860,783; 7,945,515; 7,961,857; 8,001,597; 8,025,220; 8,027,439; 8,027,947; 8,032,448; 8,041,597; 8,065,233; 8,078,569; 8,090,648; 8,121,962; 8,131,615; 8,150,744; 8,296,205; 8,296,225; 8,332,338; 8,355,896; 8,401,946; 8,548,137; 8,559,607; 8,567,669; 8,600,870; 8,645,301; 8,676,726; 8,677,129; 8,683,586; 8,694,427; 8,706,545; 8,805,836; 8,824,648; 9,704,195; 9,773,227; 9,953,321; 10,102,530; 10,115,153; 10,242,540; 10,367,888; 10,373,061 and Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom and Patent No. 6196216 in Japan. Additional patents may be pending in the U.S. and other countries. FICO® Falcon® Fraud Manager may also be referred to as FICO® Falcon® Platform.
FICO® Fraud Predictor with Merchant Profiles: Protected by U.S. Patent Nos. 6,597,775; 6,691,136; 6,850,606; 7,158,622; 7,191,150; 7,263,506; 7,376,618;; 7,457,401; 7,536,348; 7,672,833; 7,756,783; 7,761,379; 7,853,526; 7,860,783; 7,945,515; 7,961,857; 8,001,597; 8,025,220; 8,027,439; 8,027,947; 8,032,448; 8,041,597; 8,065,233; 8,078,569; 8,090,648; 8,121,962; 8,131,615; 8,150,744; 8,296,205; 8,296,225; 8,332,338; 8,355,896; 8,401,946; 8,548,137; 8,559,607; 8,567,669; 8,600,870; 8,645,301; 8,676,726; 8,677,129; 8,683,586; 8,694,427; 8,706,545; 8,805,836; 8,824,648; 9,704,195; 9,773,227; 9,953,321; 10,102,530; 10,115,153; 10,242,540; 10,367,888; 10,373,061 and Patent No. 1889461 in Bulgaria, France, Germany, Italy, Poland, Turkey and the United Kingdom and Patent No. 6196216 in Japan. Additional patents may be pending in the U.S. and other countries.
FICO® Falcon® Intelligence Network: Protected by U.S. Patent No. 10,367,888. Additional patents may be pending in the U.S. and other countries.
FICO® Identity Resolution Engine: Protected by U.S. Patent Nos. 6,665,677; 6,839,714; 6,853,997; and 9,660,869. Additional patents may be pending in the U.S. and other countries.
FICO® Insurance Fraud Manager: Protected by U.S. Patent Nos. 7,263,492; 7,379,880; 7,418,431; 7,702,576; 7,774,272; 7,778,846; 7,813,937; 7,813,944; 7,813,981; 8,214,232; 8,219,415; 8,639,522; 8,666,757; Australian Patent No. 771843; Canadian Patent No. 2,380,587 and New Zealand Patent No. 517170. Additional patents may be pending in the U.S. and other countries.
FICO® LiquidCredit® service: Protected by U.S. Patent Nos. 7,356,503 and 7,734,522. Additional patents may be pending in the U.S. and other countries.
FICO® Marketing Solutions Suite: Protected by U.S. Patent Nos. 7,343,294; 7,672,865; 8,682,762; 8,768,743; 9,721,267 and 9,785,890. Additional patents may be pending in the U.S. and other countries.
FICO® Model Builder: Protected by U.S. Patent Nos. 7,000,199; 7,895,139 (Data Spiders™ module); 7,930,196; 8,255,423; 8,984,022; 9,367,520; 9,483,727 and 10,366,342. Additional patents may be pending in the U.S. and other countries.
FICO® Payment Integrity Platform: Protected by U.S. Patent Nos. 7,263,492; 7,379,880; 7,418,431; 7,702,576; 7,774,272; 7,778,846; 7,813,937; 7,813,944; 7,813,981; 8,214,232; 8,219,415; 8,639,522; 8,666,757; Australian Patent No. 771843; Canadian Patent No. 2,380,587 and New Zealand Patent No. 517170. Additional patents may be pending in the U.S. and other countries.
FICO® Origination Manager: Protected by U.S. Patent No. 9,990,270. Additional patents may be pending in the U.S. and other countries.
FICO® Strategic Default Custom Analytic: Protected by U.S. Patent No. 8,751,378. Additional patents may be pending in the U.S. and other countries.
FICO® TONBELLER™ Siron™ AML: Protected by U.S. Patent No. 10,373,061. Additional patents may be pending in the U.S. and other countries.
FICO® Transaction Scores: Protected by U.S. Patent No. 8,078,569. Additional patents may be pending in the U.S. and other countries.
FICO® TRIAD® Customer Manager: Protected by U.S. Patent Nos. 7,000,199; 7,130,853 (FICO® TRIAD® Analytic Datamart); 7,383,215; 7,831,526; 7,930,196; 7,937,335; 7,953,695 (FICO® TRIAD® Analytic Datamart); 8,200,609; 8,200,693; 8,237,716; 8,266,090; 8,280,836; 8,312,389 and 8,730,241. Additional patents may be pending in the U.S. and other countries.
myFICO® service and products: Protected by U.S. Patent Nos. 7,280,980; 7,711,635; 8,001,041 and 8,078,524. Additional patents may be pending in the U.S. and other countries.
FICO’s Marks are FICO’s intellectual property and are important and valuable assets of the company. Any use of FICO Marks that is inconsistent with these Usage Requirements, or other unauthorized use of FICO Marks or marks that are confusingly similar to FICO Marks, may violate FICO’s legal rights. FICO appreciates your compliance with these Usage Requirements and will take steps to protect the FICO Marks against improper use and infringement. FICO reserves the right to object to any use of FICO Marks (or anything confusingly similar to a FICO Mark) that FICO deems to be unlawful under the circumstances, even if that use is not expressly prohibited by these Usage Requirements.
These Trademark and Logo Usage Requirements (“Usage Requirements”) set forth FICO’s rules for third parties using or referring to FICO’s brand names, trademarks, service marks, product and service names, logos, and slogans (collectively referred to as “FICO Marks”). They apply to all non-FICO parties using or making reference to FICO Marks unless a separate license agreement applies. Other requirements apply to FICO licensees and are set forth in a specific license agreement.
You may refer to FICO products and services by their appropriate FICO Mark (other than logos and stylized marks), so long as such references (a) are truthful, fair, and not misleading, and (b) comply with these Usage Requirements.
You should never use FICO logos or stylizations of FICO Marks unless you have a license agreement or other explicit written permission from FICO to do so.
Always use the proper trademark symbol (™, sm, or ®) immediately following at least the first reference to the trademark on any page.
The exception to the above rule is when the “FICO” name is used as our company name, as opposed to an identifier of one of our products or services. In this case you should not use the ® symbol.
The following examples illustrate the correct use of ™, sm, or ® and the use of the trademark as an adjective with the correct generic noun or phrase: FICO® Blaze Advisor® decision rules management system FICO® Scores FICO® Falcon® Fraud Manager myFICO® service FICO® TRIAD® Customer Manager Check the list of FICO trademarks below to verify how the FICO Marks should appear.
Assuming your use of a FICO trademark is permitted, you should always acknowledge that FICO owns the trademark. If it is not clear from the context of the use of the FICO Mark (e.g., FICO® Scores), you should include a separate acknowledgment. The acknowledgment should appear in legible type in any materials in which a FICO Mark appears. The following language is acceptable:
“FICO and [Insert FICO Marks used] are trademarks and/or registered trademarks of Fair Isaac Corporation.”
Materials that mention FICO only:
“FICO is a registered trademark of Fair Isaac Corporation.”
Remember that the inclusion of a trademark symbol and acknowledgment does not turn an improper use of a FICO Mark into a proper use or entitle you to use any FICO Mark in a way prohibited by law or otherwise not allowed under these Usage Requirements.
Do not use any FICO Mark, and do not adopt a “look and feel” with respect to any publication or Web site, in a way that might cause confusion about the relationship between FICO and any other party or any non-FICO product or service (e.g., as to source, origin, sponsorship, or endorsement).
Do not incorporate any FICO Mark into your own product names, service names, trademarks, logos, or company names, and do not adopt marks or logos that are confusingly similar to any FICO Marks.
Do not use or reproduce any FICO logos unless you have explicit written permission to do so.
Do not use any FICO Marks as a meta tag for your web pages.
Do not use any FICO Mark or any confusingly similar words as your domain names or as parts of your domain names.
Do not use any FICO Mark or any confusingly similar words as the alphabetic equivalent of a phone number (e.g., 1-800-GET-FICO).
Do not use FICO Marks as Internet search “keywords” or in any other way that is intended to or has the effect of directing traffic to a non-FICO Web site.
Do not state or imply that you have or are claiming rights in any FICO Mark.
Do not use FICO Marks in any improper way that would disparage FICO, its subsidiaries, its products, or its services (i.e., unfair competition, false or misleading, etc.).
Any questions regarding these Usage Requirements should be directed to webmanager@fico.com.
These Trademark and Logo Usage Requirements were originally posted on October 15, 2003. FICO reserves the right to change these Usage Requirements at any time by posting a revised version on this Web site.
Questions about FICO trademarks and their usage may be referred to webmanager@fico.com.
Fair Isaac Corporation 181 Metro Drive San Jose, CA 95110 USA
Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington, DE 19808 USA
Web Manager FICO 200 Smith Ranch Road San Rafael, CA 94903, USA Email: webmanager@fico.com USA
5th Floor Cottons Centre Hays Lane London SE1 2QP United Kingdom Tel: +44 (0207) 940 8718
Fair Isaac Corporation provides products and services that enable businesses to automate, improve and connect decisions to enhance business performance.
Fair Isaac Corporation is a public company with securities traded on the New York Stock Exchange (NYSE:FICO).
William J. Lansing – President and Chief Executive Officer; Michael J. Pung – Executive Vice President and Chief Financial Officer; Mark R. Scadina – Executive Vice President, General Counsel and Secretary; Dr. Stuart C. Wells – Executive Vice President and Chief Technology Officer; Wayne E. Huyard – Executive Vice President of Sales, Marketing and Services; James M. Wehmann – Executive Vice President, Scores; Richard S. Deal – Executive Vice President and Chief Human Resources Officer; Steven P. Weber – Vice President, Treasurer and Investor Relations; Michael S. Leonard – Vice President, Chief Accounting Officer; Nancy E. Fraser – Vice President and Assistant Corporate Secretary; Patricia G. Gillis – Assistant Treasurer; Thomas J. Colling – Assistant Treasurer
Braden R. Kelly, Chairman of the Board – Partner at Health Evolution Partners; William J. Lansing – Chief Executive Officer of Fair Isaac Corporation; A. George Battle – Former CEO and Executive Chairman of Ask Jeeves, Incorporated; James D. Kirsner – Former Chief Financial Officer and head of Barra Ventures at Barra, Inc.; Eva Manolis – Former Vice President of Amazon.com Inc.; Marc F. McMorris – Managing Director and Co-Founder, Carrick Capital Partners; Joanna Rees – Managing Partner at West; David A. Rey – Former Executive Vice President and Chief Client Relationship Officer of UnitedHealth Group
The following requirements apply to all content contained on the Web site having the primary URL of fico.com (referred to below as the “FICO Web Site”):
Everything that appears on the FICO Web Site, including articles, graphics, photographs, and other information, individually and as a collective whole, as well as the “look and feel” of the FICO Web Site (all of which is referred to as the “Content”), is protected under the copyright laws of the United States and applicable international copyright laws and treaties. No display, copying, modification, publication, performance, reverse engineering, or redistribution of the Content by any method is permitted except as provided in these Usage Requirements.
The copyrights in the Content are owned by Fair Isaac Corporation (“FICO”) or by third parties who have licensed their materials to FICO. These third-party materials are also copyrighted, and no copying, modification, or redistribution is permitted without the express written permission of FICO and the third party. The following applies to all FICO materials on the FICO Web Site: Limited License to Copyrighted FICO Materials
Except for Content identified as being licensed from a third party, you may download, store, print, and copy selected portions of the Content for your own personal, noncommercial use, provided that:
FICO does allow “fair use” of limited portions of the FICO Content for quotations, references, research, etc., as allowed by applicable law.
Any use described in the foregoing paragraph must be complete, accurate, and not misleading, and must not delete or modify any copyright or trademark notices. Any publication or display of Content must clearly disclose that the Content is the copyrighted property of FICO and that additional information can be found at www.fico.com.
An example of an appropriate disclosure notice is: “This information is provided by Fair Isaac Corporation, and is used with permission. Copyright © Fair Isaac Corporation. All rights reserved. Further use, reproduction, or distribution is governed by the FICO Copyright Usage Requirements, which can be found at www.fico.com.”
For more information on FICO, including media contact information, please refer to the “News” section of www.fico.com.
In general, use of Content for commercial purposes is prohibited. For example, without FICO’s express written permission, you may not: Use any Content to sell, market, or promote any other product or service; Use or refer to any Content in any way that expresses or implies any sponsorship or endorsement by FICO or is otherwise likely to mislead consumers into thinking that any third-party Web sites, materials, products, or services are provided, created, sponsored, or endorsed by or affiliated with FICO.
Affiliate Partners of FICO may obtain consent to use portions of our Content. Please see Reprint or Reuse Permission below for instructions.
Except as expressly stated above, you may not copy, download, print, publish, display, perform, distribute, transmit, transfer, translate, modify, add to, create derivative works from, update, abridge or in any other way transform or adapt all or any part of the Content without first obtaining written permission from FICO. Any rights not expressly granted herein are reserved. No license is granted to any HTML or other code incorporated into the FICO Web Site. Any license granted hereunder does not allow you to misstate or mischaracterize the Content or any position taken by FICO, including reproducing portions of the Content out of context in a way that is likely to be misleading to any person. Any license granted under these Usage Requirements will terminate automatically if you breach any of these Usage Requirements.
If you would like to use materials published on the FICO Web Site in ways not authorized by this limited license, you must first obtain written permission from FICO. Contact us at webmanager@fico.com or write to us at:
Webmaster FICO 200 Smith Ranch Road San Rafael, CA 94903
Please describe the specific content and your proposed use in reasonable detail. Version and Right to Make Changes These Copyright Usage Requirements were posted on October 15, 2003 and updated on August 11, 2010. FICO reserves the right to change these Usage Requirements at any time by posting a revised version on the FICO Web Site.