Terms of Service

Effective date: January 1, 2026

1. Acceptance of these Terms

By creating an account or using Credence Credit (the "Service") you agree to these Terms of Service. If you do not agree, do not use the Service.

2. The Service

Credence Credit is a personal credit-utilization and money-management tool. It provides educational information and recommendations based on data you enter. It is not financial, legal, tax, or investment advice, and it is not a credit-repair organization or credit bureau.

3. User accounts

You must provide accurate information and keep your password secure. You're responsible for all activity under your account. You must be at least 18 years old (or the age of majority where you live).

4. Subscriptions and billing

• Free plan is free.
• Premium costs $7.99 USD per month, billed in advance through Stripe.
• Your subscription renews automatically each month until you cancel.
• You may cancel at any time from your account; you'll keep Premium access through the end of your current billing period.
• If a payment fails, your Premium features will be paused until billing is resolved or your subscription is canceled.

5. Refund policy

All sales are final. Canceling your subscription stops future charges but does not refund the current billing period. If you believe you were charged in error, contact support@credence-credit.us within 30 days and we'll review on a case-by-case basis.

6. Acceptable use

You agree not to: (a) reverse engineer, scrape, or attempt to access the Service in unauthorized ways; (b) use the Service to harass, defraud, or harm others; (c) upload malicious content; (d) impersonate another person; (e) violate any law in connection with your use of the Service.

7. Your content

You retain all rights to data you enter. You grant us a limited license to store and process that data solely to operate the Service for you.

8. Intellectual property

The Service, including its name, logos, and software, is owned by Credence Credit. You may not copy or redistribute it except as expressly permitted.

9. Termination

You may stop using the Service at any time. We may suspend or terminate your account if you breach these Terms or use the Service abusively. On termination your data may be deleted after a reasonable period.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not guarantee specific credit-score outcomes.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDENCE CREDIT AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES. OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100 USD.

12. Indemnification

You agree to indemnify Credence Credit from claims arising from your misuse of the Service or breach of these Terms.

13. Changes to the Service or Terms

We may modify or discontinue features and update these Terms. Material changes will be communicated in-app or by email. Continued use after a change constitutes acceptance.

14. Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in Delaware.

15. Contact

support@credence-credit.us

These Terms are provided in plain language for clarity. They are not legal advice. For specific legal questions, consult an attorney.