This Terms of Use Agreement (“Agreement”) is entered into between Credit Onboard LLC (“Company”) and the users (“User” or “You”) of the Credit Onboard platform (“Platform”). By accessing or using the Platform, You agree to be bound by the terms and conditions set forth in this Agreement.

1. Acceptance of Terms: By accessing or using the Platform, You acknowledge that You have read, understood, and agree to be bound by this Agreement. If You do not agree with any provision of this Agreement, You must not use the Platform.
2. Use of the Platform: (a) Eligibility: You must be at least 18 years old and have the legal capacity to enter into this Agreement. (b) License: Subject to compliance with this Agreement, Company grants You a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purpose.
3. Intellectual Property: All intellectual property rights in the Platform, including but not limited to copyrights, trademarks, and trade secrets, are owned by or licensed to Company. You may not use, copy, modify, distribute, or reproduce any content from the Platform without the prior written consent of Company.
4. User Content: (a) You may have the ability to submit, post, or upload content to the Platform (“User Content”). By submitting User Content, You grant Company a non-exclusive, worldwide, royalty-free, and perpetual license to use, modify, reproduce, and distribute the User Content for the purpose of providing and improving the Platform. (b) You are solely responsible for any User Content You or related third parties submit and agree not to submit any content that violates any applicable laws or infringes upon the rights of any third party.
5. Privacy: Company’s collection and use of personal information are governed by its Privacy Policy, which is incorporated into this Agreement by reference. By using the Platform, You consent to the collection, use, and disclosure of Your personal information as described in the Privacy Policy.
6. Disclaimer of Warranties: THE PLATFORM IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
7. Limitation of Liability: IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE PLATFORM OR THIS AGREEMENT, WHETHER BASED ON BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE.
8. Indemnification: You agree to indemnify and hold harmless Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney’s fees, arising out of or in connection with Your use of the Platform or any violation of this Agreement.
9. Modifications: Company reserves the right to modify, suspend, or discontinue the Platform or any part thereof, with or without notice. Company shall not be liable to You or any third party for any modification, suspension, or discontinuation of the Platform.
10. Governing Law and Jurisdiction: This Agreement shall be governed by and construed in accordance with the laws of the State of Alabama. Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the courts of Alabama.
11. Entire Agreement: This Agreement constitutes the entire agreement between You and Company regarding the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, and representations, whether oral or written.
12. Severability: If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
13. Waiver The failure of Company to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Company in writing.
14. Assignment: You may not assign or transfer any of Your rights or obligations under this Agreement without the prior written consent of Company. Company may freely assign or transfer this Agreement without restriction.
15. Survival: Sections 3 (Intellectual Property), 5 (Privacy), 6 (Disclaimer of Warranties), 7 (Limitation of Liability), 8 (Indemnification), and 10 (Governing Law and Jurisdiction) shall survive any termination or expiration of this Agreement.
16. Changes to the Agreement: Company reserves the right to modify or update this Agreement at any time by posting the revised version on the Platform. It is Your responsibility to review this Agreement periodically. Your continued use of the Platform after any modifications to this Agreement constitutes Your acceptance of the revised terms.