Terms of Service Change History

NEW version grants Upstart explicit right to cancel registration, reject applications, terminate agreements, and restrict future access if any provided information is 'untrue, inaccurate, not current, or incomplete.' OLD version only addressed withdrawal of loan approval by Creditor under specific fraud/misrepresentation circumstances. This significantly broadens Upstart's unilateral termination authority.

Effective: September 6, 2026

OLD version explicitly states 'THESE TERMS CONTAIN AN AGREEMENT TO ARBITRATE ALL CLAIMS (see Section 16)' in bold warning text. NEW version 'Website Terms of Use' contains no such notice or visible arbitration clause in the provided excerpt. This represents either removal of arbitration requirements or material de-emphasis of dispute resolution terms users must accept.

Effective: September 6, 2026

NEW version adds explicit restriction preventing users from registering multiple accounts 'unless the additional account is for purposes of applying for additional products or services' and prohibits registering on behalf of others. This limits user flexibility and gives Upstart discretion over account creation.

Effective: September 6, 2026

OLD version titled 'Upstart Terms and Conditions' governed loan requests and applications with explicit Creditor agent disclosures. NEW version titled 'Website Terms of Use' appears broader in scope but removes specific loan process language, potentially creating ambiguity about which agreement governs loan transactions versus general website use.

Effective: September 6, 2026

NEW version adds detailed 'Limited License' section granting revocable, non-exclusive license to access the Site and download mobile apps. This formalization provides Upstart clearer contractual basis to revoke access and restricts user rights to the platform.

Effective: September 6, 2026