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Whooster is not a consumer reporting agency and the Whooster services are not provided by "consumer reporting agencies," as the term is defined in the Fair Credit Reporting Act (15 U.S.C § 1681, et seq.) ("FCRA") and do not constitute "consumer reports," as that term is defined in the FCRA. The Whooster service may not be used in whole or in part as factor in determining eligibility for credit, insurance, employment or for any other purpose under the FCRA.