Terms of Use

These Terms of Use ("Terms") govern your access to and use of the website at creditquant.ai (the "Site"), operated by CreditQuant AI, Inc. ("CreditQuant," "we," "us"). By accessing or using the Site, you agree to these Terms. They apply to the public website only. Your use of the CreditQuant product is governed by a separate written agreement.

Eligibility

You must be at least 18 years old and able to form a binding contract to use the Site. If you use the Site on behalf of an organization, you represent that you're authorized to do so.

Use of the Site

The Site is provided for general informational purposes. You agree to use it lawfully and not to: interfere with or disrupt the Site; attempt to gain unauthorized access to it or its systems; scrape, harvest, or bulk-collect content except as permitted by our robots file; or misuse any form or contact channel (including submitting false information or spam).

No professional advice; no lending decisions

Content on the Site is for information only and is not financial, credit, legal, tax, or other professional advice. CreditQuant does not make lending decisions. Our software supports your team's analysis and workflow, and your team remains responsible for its decisions. Nothing on the Site creates an obligation for us to provide products or services.

Intellectual property

The Site and its content, including text, design, graphics, logos, and the "CreditQuant" and "ORA-01" names and marks, are owned by CreditQuant or its licensors and are protected by applicable law. We grant you a limited, revocable, non-exclusive license to view the Site for your own informational use. You may not copy, reproduce, modify, distribute, or create derivative works from it without our prior written permission.

Feedback

If you send us ideas, suggestions, or feedback about CreditQuant, you grant us a perpetual, royalty-free license to use it without restriction or obligation to you.

Third-party links

The Site may link to third-party websites we don't control. We're not responsible for their content, products, or practices, and these Terms don't apply to them.

Disclaimers

The Site is provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any information on it is complete or current.

Limitation of liability

To the fullest extent permitted by law, CreditQuant and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, profits, or goodwill, arising from or related to your use of (or inability to use) the Site, even if we've been advised of the possibility. Our total liability relating to the Site will not exceed one hundred U.S. dollars (US$100).

Indemnification

You agree to indemnify and hold CreditQuant harmless from any claims, losses, or expenses (including reasonable legal fees) arising from your misuse of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction of the state and federal courts located in Delaware for any dispute arising from these Terms or the Site.

Changes

We may update these Terms from time to time. Continued use of the Site after changes take effect means you accept the updated Terms.

Contact

CreditQuant AI, Inc. Questions about these Terms? Email [email protected].