Terms of Service
Last updated: March 9, 2026
Acceptance of Terms
These Terms of Service govern your use of Credit Wise and its services. By accessing and using our website, you agree to be bound by these terms and conditions. If you do not agree to any part of these terms, you must immediately discontinue your use of our services. We reserve the right to modify these terms at any time, and your continued use of our website following any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically to ensure you remain informed of any updates. Your use of our website indicates your understanding and acceptance of all terms and conditions outlined herein. If you have questions about our terms, we recommend reviewing them carefully before proceeding with any transactions or interactions on our platform.
User Obligations and Responsibilities
As a user of our platform, you agree to use our services only for lawful purposes and in ways that do not infringe upon the rights of others or restrict their use and enjoyment. You must not transmit any harmful, illegal, or offensive content through our website. You are responsible for maintaining the confidentiality of any account information you create and for all activities that occur under your account. We expect you to provide accurate and complete information when using our services. You must not engage in any conduct that could damage, disable, or impair our website or services. Any unauthorized access to our systems or attempts to breach our security measures are strictly prohibited. You agree to comply with all applicable laws and regulations in your jurisdiction. We reserve the right to suspend or terminate your access if you violate any of these obligations.
Intellectual Property Rights
All content on our website, including text, graphics, logos, images, and software, is the property of our organization or our content suppliers and is protected by international copyright laws. You may view and print pages from our website for personal, non-commercial use only. You may not reproduce, distribute, transmit, modify, or create derivative works based on our content without explicit written permission. Any unauthorized use of our intellectual property may violate copyright, trademark, and other applicable laws. We grant you a limited, non-exclusive license to access our website for informational purposes. You agree not to remove any copyright notices or proprietary markings from any materials you download or print. Our trademarks and service marks may not be used without our prior written consent. If you believe your intellectual property rights have been infringed, please contact us immediately with details of the infringement.
Limitation of Liability
Our website and services are provided on an “as-is” basis without any warranties, express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our website or services. This includes loss of profits, data, or business opportunities, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from these terms shall not exceed the amount you paid us, if any. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability, so some of these limitations may not apply to you. We encourage you to review our policies carefully and contact us with any concerns about potential liability or damages related to your use of our services.
Termination of Service
We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause and without prior notice. Termination may occur if you violate any of these terms, engage in unlawful activity, or for any reason we deem appropriate in our sole discretion. Upon termination, your right to use our services ceases immediately, and any information or data associated with your account may be deleted. You remain responsible for any obligations incurred prior to termination. We may also discontinue our services entirely at any time without liability. If we terminate your access due to a violation, you may not attempt to create a new account or circumvent our access restrictions. Upon termination, we will make reasonable efforts to provide you with information about your data, subject to our privacy policies and legal obligations. The provisions of these terms that survive termination include intellectual property rights, limitations of liability, and indemnification clauses.