These terms of use (the “Terms” or “Terms of Use”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“You”) and CredAcc Technologies US Inc. and its affiliates (“We,” “Us” or “Our”), concerning your access to and use of the www.credacc.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). 

You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms of Use. If You do not agree with all of these Terms of Use, then You must discontinue use immediately.

Supplemental Terms of Use or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right to make changes to these Terms of Use at any time and for any reason. We will alert You about any changes by updating the “Last Updated” date of these Terms. Any changes or modifications will be effective immediately upon posting the updated Terms of Use on the Site, and You waive the right to receive specific notice of each such change or modification.

You are encouraged to periodically review these Terms of Use to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Terms by your continued use of the Site after the date such revised Terms are posted.

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to register for the Site.

You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username You select if We determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

We reserve the right to terminate or suspend your registration: (i) if You have not used your account for a period of 12 months; (b) if We believe that the use of your account is unauthorized, fraudulent or otherwise unlawful; or (c) any breach of these Terms of Use.

By using the Site, You represent and warrant that:

You agree not to use the Site:

The Site may invite You to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide You with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Material(s)").

Your Materials may be viewable by other users of the Site and through third-party websites. As such, any Material you transmit may be treated as non-confidential and non-proprietary.

By posting your Materials through Our Site, you grant Us a license to use it. You automatically grant, and You represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Materials  for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Materials, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.

We can remove any Material or information you share on the Site if We believe that it violates these Terms of Use, our policies, or We are permitted or required to do so. 

You acknowledge and agree that any comments, suggestions, ideas, feedback, or other information regarding us ("Feedback") provided by You to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of such Feedback for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

Unless otherwise indicated, the Site is Our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by Us or licensed to Us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions. 

The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without Our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.

We care about data privacy and security. Please review our Privacy Policy (click here) posted on the Site. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in the United States.

The Site may be suspended without notice due to circumstances beyond Our control, including but not limited to, emergency maintenance, telecommunications disruptions, unavailability of electricity by power providers, and or any natural disasters. We will not be held liable for any aforementioned circumstances.

These Terms of Use shall remain in full force and effect while You use the Site. Without limiting any other provision of these terms of use, We reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the Site (including blocking certain IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these Terms of Use or of any applicable law or regulation. We may terminate your use or participation in the site or delete your account and any content or information that You posted at any time, without warning, in our sole discretion. 
If We terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. 
In addition to terminating or suspending your account, We reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

The Site is provided on an “as-is” basis. You agree that your use of the Site will be at your own risk. To the extent permitted by law, We disclaim all warranties, express or implied, in connection with the Site and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the Site´s content or the content of any websites linked to the Site and we will assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Site, (3) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein, (4) any interruption or cessation of transmission to or from the Site, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the site by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the site. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the site, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and We will not be a party to or in any way be responsible for monitoring any transaction between You and any third-party providers of products or services.

In no event We will liable to You or any user of this Site or any other person  or entity for any direct, indirect, special, incidental, consequential or exemplary damages  (including, but not limited to, damages for loss of profits, loss of data, loss of use, or costs of obtaining substitute goods or services) arising out of the use, inability to use, unauthorized  access to or use or misuse of the Site or any information contained thereon, whether  based upon warranty, contract, tort (including negligence), or otherwise, even if has been advised of the possibility of such damages or losses.

You agree to defend, indemnify, and hold Us harmless, including our subsidiaries, affiliates, and all of Our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Feedback and / or Materials; (2) use of the Site; (3) breach of this agreement; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any harmful act toward any other user of the Website with whom you connected via the Site.

Notwithstanding the foregoing, We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which You are required to indemnify us, and You agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

This Agreement shall be governed by and construed in accordance with the laws of State of Florida, U.S.A.