Terms of Service

By accessing or using the Credence Credit Inc. platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Credence Credit Inc. ("Company," "we," "us," or "our"). We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the modified Terms.

Credence Credit Inc. provides a cloud-based customer relationship management (CRM) platform designed specifically for credit repair companies ("Platform"). The Platform includes, but is not limited to: • Client management and tracking tools • AI-powered credit report analysis and dispute letter generation • Dispute tracking and workflow management • Team collaboration and messaging features • Document management and secure storage • Revenue tracking and invoicing capabilities • Client portal for end-customer access • Credit score monitoring and analytics • Task management and automation tools The Service is provided on a subscription basis with various plan tiers. Features available to you depend on your selected subscription plan.

To use the Service, you must: • Be at least 18 years of age • Have the legal authority to enter into a binding agreement • Operate a legitimate credit repair business in compliance with applicable federal and state laws, including the Credit Repair Organizations Act (CROA) • Provide accurate and complete registration information • Maintain the security of your account credentials If you are using the Service on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to these Terms.

When you create an account, you agree to: • Provide accurate, current, and complete information during registration • Maintain and promptly update your account information • Keep your password secure and confidential • Not share your account credentials with unauthorized parties • Notify us immediately of any unauthorized access to your account • Accept responsibility for all activities that occur under your account We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used for fraudulent or illegal purposes.

5.1 Plan Tiers. The Service is offered in multiple subscription tiers: Starter, Professional, Business, and Enterprise. Each tier includes different features, client limits, and team member allowances as described on our pricing page. 5.2 Billing. Subscription fees are billed monthly in advance. All fees are quoted in U.S. dollars and are non-refundable except as expressly stated in these Terms. 5.3 Payment Methods. We accept payment via credit card, debit card, and ACH bank transfer (for Business and Enterprise plans). You authorize us to charge your selected payment method for all applicable fees. 5.4 Price Changes. We may change our subscription fees upon 30 days' written notice. If you do not agree to the new fees, you may cancel your subscription before the new fees take effect. 5.5 Free Trials. We may offer free trial periods at our discretion. At the end of a free trial, your subscription will automatically convert to a paid plan unless you cancel before the trial expires. 5.6 Taxes. All fees are exclusive of applicable taxes. You are responsible for all taxes associated with your use of the Service.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not: • Use the Service to violate any applicable law or regulation, including the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), or any state credit repair laws • Submit false, misleading, or fraudulent dispute letters or credit repair documentation • Use the Service to harass, abuse, or harm any person • Attempt to gain unauthorized access to any part of the Service or its related systems • Interfere with or disrupt the Service or servers connected to the Service • Use automated scripts, bots, or scrapers to access the Service without our written consent • Reverse engineer, decompile, or disassemble any part of the Service • Resell or redistribute the Service without our written authorization • Upload or transmit viruses, malware, or other harmful code • Use the Service in any manner that could damage, disable, or impair the Service We reserve the right to investigate and take appropriate legal action against anyone who violates these provisions.

7.1 Your Data. You retain all rights to the data you submit to the Service ("Your Data"). By using the Service, you grant us a limited license to use, process, and store Your Data solely for the purpose of providing the Service to you. 7.2 Client Data. You are responsible for obtaining all necessary consents from your clients before uploading their personal information to the Service. You must comply with all applicable privacy laws regarding the collection, use, and storage of client data. 7.3 Data Security. We implement industry-standard security measures to protect Your Data, including encryption in transit and at rest, role-based access controls, and regular security audits. However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security. 7.4 Data Retention. We retain Your Data for as long as your account is active or as needed to provide the Service. Upon account termination, we will delete Your Data within 90 days, unless retention is required by law. 7.5 Privacy Policy. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.1 Our IP. The Service, including all software, designs, text, graphics, logos, and other content, is owned by Credence Credit Inc. and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our intellectual property without our written consent. 8.2 Your Content. You retain ownership of any content you create using the Service, including dispute letters, reports, and client communications. However, you grant us a non-exclusive license to use anonymized and aggregated data derived from your use of the Service for the purpose of improving our products and services. 8.3 Feedback. If you provide us with suggestions, ideas, or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free license to use such feedback for any purpose without obligation to you.

9.1 AI Services. The Service includes AI-powered features such as credit report analysis, dispute letter generation, and dispute strategy recommendations. These features use artificial intelligence and machine learning to assist you in your credit repair operations. 9.2 No Legal Advice. AI-generated content, including dispute letters and recommendations, does not constitute legal advice. You are solely responsible for reviewing, modifying, and approving all AI-generated content before use. You should consult with a qualified attorney for legal advice. 9.3 Accuracy. While we strive for accuracy, AI-generated content may contain errors or inaccuracies. You acknowledge that AI outputs are tools to assist your work and should be verified before use. 9.4 Compliance. You are responsible for ensuring that all dispute letters and communications sent using the Service comply with applicable laws and regulations, regardless of whether they were generated by AI features.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: • THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY • WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE • WE DO NOT GUARANTEE ANY SPECIFIC RESULTS FROM USE OF THE SERVICE, INCLUDING CREDIT SCORE IMPROVEMENTS OR DISPUTE OUTCOMES • IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM • WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless Credence Credit Inc. and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from: • Your use of the Service • Your violation of these Terms • Your violation of any applicable law or regulation • Your violation of any third party's rights • Any dispute letters or communications sent using the Service • Any data you submit to the Service

12.1 By You. You may terminate your account at any time by contacting us at [email protected]. Your subscription will remain active until the end of your current billing period. 12.2 By Us. We may suspend or terminate your account at any time if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if required by law. 12.3 Effect of Termination. Upon termination, your right to use the Service will immediately cease. We will provide you with a reasonable opportunity to export Your Data before deletion. Sections of these Terms that by their nature should survive termination will survive, including but not limited to intellectual property, limitation of liability, and indemnification provisions.

13.1 Governing Law. These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. 13.2 Arbitration. Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Miami-Dade County, Florida. 13.3 Class Action Waiver. You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. 13.4 Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

14.1 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Credence Credit Inc. regarding the Service. 14.2 Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. 14.3 Waiver. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. 14.4 Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction. 14.5 Force Majeure. We shall not be liable for any failure or delay in performing our obligations due to circumstances beyond our reasonable control, including natural disasters, pandemics, government actions, or internet disruptions. 14.6 Contact. For questions about these Terms, please contact us at [email protected] or through our Contact page.