Terms of Service

Last Updated: September 23, 2026

Welcome to credenceai.io ("Site"), operated by credence ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, software, and applications (collectively, the "Services").

By accessing or using our Site or Services, you agree to be bound by these Terms. If you do not agree, please do not use the Site or Services.

1. Description of Services

credence provides hosted software-as-a-service (SaaS) credit-risk underwriting tools, dynamic questionnaire technology, and related analytics services for businesses and lenders.

2. Eligibility & User Accounts

Account Creation: To access certain features, you may be required to register an account. You agree to provide accurate, current, and complete information.
Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.
Authority: If you agree to these Terms on behalf of an entity, you represent and warrant that you have the legal authority to bind that entity.

3. Intellectual Property Rights

All content, features, technology, dynamic models, algorithms, code, branding, logos, and materials on the Site and Services are the exclusive property of credence or its licensors and are protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access the Site in accordance with these Terms.

4. Acceptable Use

You agree not to:

Reverse engineer, decompile, or disassemble any part of the Site or underlying software.
Use automated tools (bots, scrapers) to extract data without prior written permission.
Use the Site or Services for any unlawful, fraudulant, or unauthorized purpose.
Introduce malicious code, viruses, or harmful payload to our infrastructure.

5. Limitation of Liability

To the maximum extent permitted by applicable law, credence shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or data arising out of or related to your use of or inability to use the Site or Services.

6. Disclaimer of Warranties

The Site and Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied, including fitness for a particular purpose or non-infringement.

7. Governing Law

These Terms shall be governed and construed in accordance with the laws of Portugal, without regard to its conflict of law principles.

8. Contact Information

For questions regarding these Terms, please contact us at:

Email: support@credenceai.io
Website: https://credenceai.io