Credacy Terms of Service

Credacy is a technology platform designed to help users better understand credit information and make more informed financial decisions.

Depending on the Services available to you, Credacy may provide: Credit report analysis; Credit education; Credit report organization and visualization; Identification of potentially inaccurate, incomplete, inconsistent, or negative information; Personalized educational recommendations; Credit improvement action plans; Credit monitoring through third-party providers; Funding and financial-readiness education; Business credit education; Artificial intelligence-powered assistance; Educational resources, tools, calculators, and other financial information.

Credacy is a technology and educational platform.

Credacy is not a credit bureau, lender, bank, law firm, accounting firm, financial institution, financial advisor, debt collector, mortgage broker, or government agency.

Credacy does not guarantee: A particular credit score; Any increase in your credit score; Removal of any account or information from a credit report; Deletion of accurate information; Approval for credit; Approval for a loan or mortgage; Approval for business funding; Approval for a grant; Debt reduction; Any particular financial outcome.

Your credit profile and financial circumstances are unique.

Any examples, demonstrations, testimonials, hypothetical scenarios, or educational information presented by Credacy are illustrative only and are not guarantees of results.

Credacy may allow you to upload, connect, access, or otherwise provide credit-report information.

You represent that you have the legal right to provide any credit information you submit to Credacy.

You are responsible for reviewing your credit report and confirming the accuracy of information before taking action.

Credacy's analysis may identify information that appears potentially inaccurate, incomplete, inconsistent, outdated, or otherwise worthy of review.

An identification or flag by Credacy does not establish that information is inaccurate or unlawful.

Credacy may use artificial intelligence ("AI"), machine learning, automated analysis, and related technologies.

AI-generated information may contain errors, omissions, inaccuracies, or outdated information.

You agree that: AI-generated information is provided for informational and educational purposes; You will independently verify important information before relying upon it; You will not treat AI-generated information as legal, financial, tax, investment, or professional advice; Credacy does not guarantee the accuracy or completeness of AI-generated results; You remain responsible for decisions you make based on information provided through the Services.

Credacy may improve, modify, replace, or discontinue AI functionality at any time.

Nothing provided through Credacy constitutes legal advice, financial advice, tax advice, investment advice, credit counseling, debt settlement advice, or professional advice.

If you believe information on your credit report is inaccurate or unlawful, you may wish to consult an appropriately qualified professional or contact the applicable consumer reporting agency or furnisher directly.

You may be required to create an account.

You agree to: Provide accurate information; Maintain current account information; Protect your password and credentials; Keep your login information confidential; Notify Credacy of unauthorized access; Accept responsibility for activity occurring through your account.

You may not share, sell, transfer, or sublicense your account without Credacy's written permission.

You must be at least 18 years old to use Credacy unless Credacy expressly provides otherwise and applicable law permits such use.

By using Credacy, you represent that you satisfy the applicable eligibility requirements.

Certain Services may require payment of a subscription or other fee.

Before purchasing, you will be shown the applicable price and billing terms.

Unless otherwise stated: Subscriptions automatically renew; Your payment method may be charged on each renewal date; You may cancel future renewals through your account or by contacting Credacy; Cancellation does not necessarily entitle you to a refund for previously billed periods.

Credacy reserves the right to change pricing with reasonable advance notice where required by law.

You may cancel your subscription according to the cancellation procedures provided through the Services.

Cancellation generally stops future recurring charges but does not automatically reverse charges that have already been processed.

Nothing in this section limits any cancellation rights that cannot legally be waived.

IMPORTANT CREDIT-REPAIR NOTICE

If a particular Credacy service is determined to constitute a "credit repair organization" service under applicable law, Credacy will comply with applicable federal and state requirements, including any required written disclosures, contract requirements, cancellation rights, and restrictions on payment.

Federal law provides certain consumers with a three-business-day cancellation right for covered credit-repair contracts.

Credacy may integrate with or provide access to third-party services, including: Credit monitoring providers; Consumer reporting agencies; Identity verification providers; Payment processors; Cloud hosting providers; Analytics providers; AI providers; Financial service providers; Affiliate partners; Educational partners.

Third-party services are governed by their own terms and privacy policies.

Credacy does not control and is not responsible for third-party services.

Credacy may receive compensation when users purchase certain third-party products or services through Credacy's referral or affiliate links.

Where required, Credacy will provide appropriate disclosures.

An affiliate relationship does not mean that Credacy guarantees or endorses the third party's products or services.

You retain ownership of content you submit to Credacy, subject to the rights necessary for Credacy to operate the Services.

By submitting information, documents, credit reports, questions, feedback, or other content, you grant Credacy a limited, non-exclusive right to host, process, analyze, transmit, and display that information solely as reasonably necessary to provide, secure, maintain, improve, and support the Services, subject to the Privacy Policy.

Credacy will not publicly publish your private credit report or personal financial information without your authorization except where legally required.

You may not: Use Credacy for unlawful purposes; Attempt to gain unauthorized access; Reverse engineer the platform; Scrape or copy Credacy's proprietary data; Circumvent security controls; Upload information belonging to another person without authorization; Use Credacy to commit fraud; Use Credacy to create false disputes or fraudulent documents; Misrepresent information to consumer reporting agencies; Interfere with the operation of the platform; Use automated systems to abuse the Services; Resell Credacy without authorization; Use Credacy to violate another person's privacy or rights.

Credacy and its licensors own all rights, title, and interest in: The Credacy name; Logos; Branding; Software; Website; User interface; AI systems; Algorithms; Content; Educational materials; Databases; Designs; Graphics; Trademarks; Proprietary methodologies; Documentation.

Your use of Credacy does not transfer ownership of any Credacy intellectual property to you.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDACY PROVIDES THE SERVICES "AS IS" AND "AS AVAILABLE."

CREDACY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF: MERCHANTABILITY; FITNESS FOR A PARTICULAR PURPOSE; ACCURACY; RELIABILITY; AVAILABILITY; NON-INFRINGEMENT; COMPLETENESS.

CREDACY DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT INFORMATION PROVIDED WILL ALWAYS BE ACCURATE OR CURRENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDACY AND ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SIMILAR DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES.

THIS INCLUDES, WITHOUT LIMITATION: Lost profits; Lost revenue; Lost business opportunities; Lost data; Loss of credit opportunities; Loss of financing; Loss of housing opportunities; Credit-score changes; Loan denials; Funding denials; Grant denials; Identity-theft losses; Business interruption.

LIABILITY CAP

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDACY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO CREDACY FOR THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).

The limitations in this section apply regardless of the legal theory asserted, including contract, tort, negligence, strict liability, statute, or otherwise.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS CREDACY, Credacy, AND THEIR RESPECTIVE OWNERS, MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, ACTIONS, PROCEEDINGS, DAMAGES, LOSSES, LIABILITIES, JUDGMENTS, PENALTIES, FINES, COSTS, AND EXPENSES, INCLUDING REASONABLE ATTORNEYS' FEES, ARISING OUT OF OR RELATING TO: Your use or misuse of the Services; Your violation of these Terms; Your violation of any applicable law or regulation; Your violation of another person's rights; Information or content you submit to Credacy; Your unauthorized use of another person's credit or financial information; Your fraudulent, deceptive, or unlawful activity; Your disputes, communications, or submissions to consumer reporting agencies or other third parties; Your use of any recommendations or information provided through Credacy; or Any claim arising from your use of the Credacy platform or services, except to the extent caused by Credacy's own gross negligence, willful misconduct, or other liability that cannot legally be indemnified or waived.

Credacy reserves the right to assume exclusive control of the defense of any matter subject to indemnification, and you agree to reasonably cooperate with such defense.

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles, except to the extent federal law or another jurisdiction's mandatory law applies.

To the extent permitted by law, any dispute arising out of or relating to these Terms or the Services shall be brought in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction and venue of those courts.

Before filing a legal claim, you agree to first contact Credacy and provide a reasonable opportunity to resolve the dispute.

Nothing in this section prevents either party from seeking emergency injunctive or equitable relief where legally appropriate.

Credacy may suspend or terminate your account if: You violate these Terms; You engage in fraud or abuse; You create a security risk; You fail to pay applicable fees; Your use violates applicable law; Credacy reasonably believes termination is necessary to protect the platform or other users.

Sections concerning intellectual property, disclaimers, limitation of liability, indemnification, governing law, dispute resolution, and any provisions that by their nature should survive termination will survive termination.

Credacy may update these Terms from time to time.

When material changes are made, Credacy may provide notice through the Services, email, or other reasonable means.

Your continued use of the Services after the effective date of revised Terms constitutes acceptance of the revised Terms to the extent permitted by law.

Credacy

Credacy

Email: Credacy@iProfitSolutions.co