Terms of Service

Acceptance of Terms

By accessing or using Neocred's platform and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services. These Terms constitute a legal agreement between you and Neocred Inc.

Description of Services

Neocred provides a platform that enables users to create portable credit profiles that can be used to access financial products across different countries. Our services include:

• • Credit history aggregation and verification
• • Portable credit profile creation and maintenance
• • Facilitation of credit applications with partner institutions
• • Identity verification and fraud prevention services
• • Customer support and account management tools

Eligibility and Account Registration

To use our services, you must:

• • Be at least 18 years of age
• • Have the legal capacity to enter into binding agreements
• • Provide accurate and complete information during registration
• • Not be prohibited from using our services under applicable laws
• • Maintain the security and confidentiality of your account credentials

User Responsibilities and Conduct

You agree to:

• • Provide truthful, accurate, and complete information
• • Update your information promptly when it changes
• • Use our services only for lawful purposes
• • Not attempt to gain unauthorized access to our systems
• • Not interfere with the proper functioning of our services
• • Comply with all applicable laws and regulations

Financial Information and Credit Reporting

You authorize us to collect, verify, and share your financial information with partner institutions for the purpose of creating your portable credit profile. You understand that credit decisions are made by individual lenders and that we do not guarantee approval for any financial products.

Fees and Payments

Our services may be subject to fees as outlined in our pricing documentation. We reserve the right to modify our fees with reasonable notice. You are responsible for all applicable taxes and fees related to your use of our services.

Intellectual Property

All content, features, and functionality of our platform, including but not limited to text, graphics, logos, and software, are owned by Neocred and protected by intellectual property laws. You may not use our intellectual property without our prior written consent.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

Disclaimers and Limitation of Liability

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

To the maximum extent permitted by law, Neocred shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Termination

Either party may terminate this agreement at any time. Upon termination, your right to use our services will cease immediately. We may also suspend or terminate your account if you violate these Terms or engage in conduct that we deem harmful to our platform or other users.

Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in San Francisco, California.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date above. Your continued use of our services after such changes constitutes acceptance of the new Terms.

Contact Information

If you have questions about these Terms, please contact us at: