Terms & Conditions

1. Definitions

Subscriber is the individual or company that accepts this agreement and uses Crelit. End Client is any individual for whom the Subscriber provides credit services and whose information is submitted to Crelit. Subscriber Data is all electronic data submitted by or for the Subscriber, including End Client data. Services means the Crelit SaaS platform. The Free Trial is the initial 14-day period during which the Subscriber may access the Services at no charge.

2. Your compliance responsibilities

You represent that you hold all necessary licenses and authorizations for the services you offer, and that all Subscriber Data was lawfully obtained with proper End Client consent. You will not use the Services for any unlawful purpose, share logins, resell the Services, interfere with their operation, or reverse-engineer them.

3. Our responsibilities

We use commercially reasonable efforts to keep the Services available, without guaranteeing uninterrupted access. We provide standard support during business hours at sales@crelit.com.

After termination or expiry, your access is suspended. Your data is retained and is neither exported nor deleted automatically — contact sales@crelit.com to request an export or a deletion of your Subscriber Data. Data entered during the Free Trial is kept unless you request its deletion. We may modify features with 30 days' notice before removing material functionality.

4. Fees and payment

After the 14-day Free Trial, fees are billed monthly in advance to the card on file, which you authorize us to charge. All fees are non-refundable and non-cancelable during the billing period. If payment is 30 days overdue we may suspend access and charge late interest at the maximum rate permitted by law. You are responsible for applicable taxes.

5. Data ownership and use

You retain ownership of Subscriber Data and grant Crelit the right to process and store it as your service provider. We may use aggregated, anonymized data for research and product improvement. We do not sell Subscriber Data. We do not guarantee the accuracy of data you submit.

6. Suspension and termination

We may suspend or terminate access if you violate this agreement or applicable law, threaten the security of the Services, fail to pay, or engage in suspected fraud. We will attempt to notify you beforehand unless legally prohibited. Subscriptions renew monthly until cancelled; no refunds are issued for the current billing period.

7. Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. EXCEPT AS EXPRESSLY STATED, WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not warrant error-free operation or any specific dispute or credit-score outcome.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CRELIT IS NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNTS YOU PAID US IN THE SIX MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to indemnify and hold harmless Crelit from claims, damages and expenses (including attorney fees) arising from your violation of this agreement or applicable law, your use of the Services, End Client disputes, or your mishandling of End Client data.

10. Intellectual property and confidentiality

Crelit retains all rights in the Services. You receive a limited, non-exclusive, non-transferable license to use them for your own business during your subscription. Each party will protect the other's confidential information with reasonable care.

11. Governing law and miscellaneous

This agreement is governed by the laws of the State of Florida, with exclusive jurisdiction in its state and federal courts. We may modify these terms by posting updates; continued use means acceptance. You may not assign this agreement without our written consent. Invalid provisions do not affect the rest. Notices to Crelit go to sales@crelit.com.