Terms of Service
Last updated: 2026
1. Who we are
Qiulian ("Qiulian", "we", "us") provides pre-loan risk reports for individuals in the United States. These Terms govern your use of our website and the report request service.
2. The service
You provide your personal details and authorize us to obtain your consumer credit report. We prepare a written pre-loan risk report that summarizes your credit score, the factors affecting it, employment and address information on file, and a practical recommendation. The report is delivered online through a private link.
Qiulian is not a lender or mortgage broker. We do not make credit decisions, and nothing in the report is a promise that a lender will approve or deny you.
3. Eligibility
You must be at least 18 years old, a resident of the United States, and legally able to enter into these Terms. You must provide accurate, current information. Providing false information may prevent us from producing your report and may violate applicable law.
4. Your authorization
By submitting an application and checking the authorization box, you give us written instruction and authorization to obtain your consumer credit report for the purpose of preparing your report. You confirm that you are requesting the report for your own personal use.
5. Payment
The fee is shown before you pay and is charged once through PayPal. Prices are in US dollars. Payment does not automatically guarantee delivery if we are unable to obtain the information needed to prepare your report; in that case our Refund Policy applies.
6. Delivery
We aim to deliver your report within the number of business days shown on the site. Delivery is made through your private status link. Keep that link confidential — anyone who has it can view your report.
7. Acceptable use
You may not request a report for anyone other than yourself, use the service to commit fraud, attempt to access another person's report, interfere with the service, or use automated means to submit applications.
8. Disclaimers
The report is provided "as is" for your personal information. Credit information is supplied by third parties and may contain errors or omissions. We do not warrant that the information is complete, accurate, or current, or that any particular credit outcome will follow.
9. Limitation of liability
To the maximum extent permitted by law, Qiulian is not liable for indirect, incidental, special, or consequential damages arising from your use of the service. Our total liability for any claim relating to the service is limited to the amount you paid for the report.
10. Changes
We may update these Terms from time to time. The updated version will be posted on this page with a new effective date. Continued use of the service after an update means you accept the revised Terms.
11. Contact
Questions about these Terms? Email support@qiulian.com.