Terms of Service

1. Agreement to Terms

By accessing or using CreditIQ's services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

2. Description of Service

CreditIQ provides an AI-powered credit analysis platform that processes financial documents and data to generate credit insights and reports. Our services include:

• Automated bank statement analysis
• Financial data integration
• Credit risk assessment tools
• Reporting and analytics features

3. User Accounts

Account Creation

To use our services, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

Account Security

You agree to notify us immediately of any unauthorized access to your account. We are not liable for any loss or damage from your failure to comply with this security obligation.

4. Acceptable Use

You agree not to:

• Use our services for any illegal or unauthorized purpose
• Attempt to breach or test the vulnerability of our systems
• Interfere with or disrupt our services
• Transmit malware or harmful code
• Violate any applicable laws or regulations
• Infringe on intellectual property rights

5. Data Processing

Your Data

You retain all rights to your financial data. By using our services, you grant us a limited license to process your data solely for providing our services.

Accuracy

While we strive for accuracy, our AI-generated analyses are provided “as is” and should not be the sole basis for credit decisions. Always verify critical information independently.

6. Intellectual Property

All content, features, and functionality of CreditIQ are owned by us and are protected by international copyright, trademark, and other intellectual property laws.

7. Payment Terms

Subscription Fees

Our services are provided on a subscription basis. Fees are billed in advance and are non-refundable except as required by law.

Changes to Pricing

We reserve the right to modify our pricing. We will provide at least 30 days' notice before any price changes take effect.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDITIQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES.

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

10. Indemnification

You agree to indemnify and hold harmless CreditIQ and its affiliates from any claims, damages, or expenses arising from your use of our services or violation of these terms.

11. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to our business.

12. Governing Law

These Terms shall be governed by the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through our platform.

14. Contact Information

For questions about these Terms of Service, please contact us at: