1. Acceptance of Terms

By accessing and using Credica's services, you accept and agree to be bound by the terms and provision of this agreement.

2. Use License

Permission is granted to temporarily use Credica's services for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title.

3. Service Availability

We strive to maintain high service availability but do not guarantee uninterrupted access. We reserve the right to modify or discontinue services with reasonable notice.

4. User Responsibilities

Users are responsible for:

• Maintaining the confidentiality of their account
• All activities that occur under their account
• Providing accurate and complete information
• Complying with all applicable laws and regulations

5. Prohibited Uses

You may not use our services:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate

6. Limitation of Liability

In no event shall Credica, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages.

7. Advertising and Third-Party Content

Our website may display advertisements from third-party advertising networks, including Google AdSense. These advertisements are provided by third parties and are not under our control. We are not responsible for the content, accuracy, or opinions expressed in such advertisements.

By using our website, you acknowledge that third-party advertising networks may use cookies and similar technologies to collect information about your visits to this and other websites to provide relevant advertisements. You can opt out of personalized advertising through your browser settings or by visiting the advertising network's opt-out page.

8. Contact Information

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