Terms of Service

Terms of Service

Last updated: 2 August 2026 Provider: Credda, Inc. ("Credda", "we") Contact: martin@credda.io

1. What these terms cover

These terms govern your use of Credda: the website at credda.io, the developer platform at api.credda.io, the API, the embeddable badge, and everything we provide alongside them (the "Service"). By creating an account, calling the API, or confirming a commitment, you agree to them.

If you're agreeing on behalf of a company, you confirm you're authorised to bind it, and "you" means that company.

2. Where Credda is offered

Credda is currently offered only to users in the United States, and is hosted in the United States. We don't offer the Service to, or direct it at, people in the United Kingdom, the European Union or the EEA, and you shouldn't use it from there.

3. Who can use Credda

You must be at least 18 and legally able to enter a contract. You must give accurate account information and keep it current. You're responsible for what happens under your account, including keeping your credentials safe.

4. What Credda does, and what it does not

Credda records commitments (things you agreed to do) and whether they were kept. From that record we calculate a reliability score using a published, deterministic formula.

Two things follow, and they matter:

• We do not verify the underlying truth of every event. We record what
• Your score is not advice, and it is not a promise about anyone. It is a

5. Your content

You keep ownership of what you submit: commitments, evidence, attachments, messages. You grant us a licence to host, process and display it as needed to run the Service, including showing what you choose to make public on your profile, badge, or a credential you share.

You must not upload anything unlawful, infringing, or that you have no right to share.

6. The record, and why it persists

Credda's value depends on a record that can't be quietly rewritten. So:

• Events are append-only. Corrections happen by adding a correcting record
• A commitment involves two parties. Closing your account does not erase the
• Where we retain events after account closure, we do so in pseudonymous

7. Scores, disputes and corrections

• Your score is generated automatically. No Credda employee can raise or
• If a record is wrong, dispute the event. If the dispute resolves in your
• We may correct genuine errors in our own data or formula. Formula changes are

8. Permitted and prohibited uses (platforms, read this)

If you integrate Credda, you agree that you will not use a Credda score, credential or API response as a factor in any decision about:

• credit, lending, or insurance eligibility or pricing;
• employment, including hiring, promotion, retention or reassignment;
• housing or tenancy; or
• any other purpose that would make Credda a "consumer reporting agency" under

We may ask you to confirm in writing how you use Credda data, and we may suspend access if you can't or won't.

You also agree not to: submit events you know to be false; coordinate with others to inflate a score; scrape or resell scores in bulk; attempt to re-identify pseudonymous records; or interfere with the integrity or availability of the Service.

We may suspend or terminate access for breach of this section, and we may remove events obtained in breach of it.

9. API keys and platform accounts

API keys are issued to you and must be kept secret. You're responsible for calls made with your keys. Keys carry scopes and rate limits; we may change limits with notice. We may revoke a key immediately if we believe it's compromised or being misused.

10. Fees

Plans and limits are shown at credda.io/pricing. The prices listed there are indicative and not final — they may change before billing is switched on.

Self-serve checkout is not currently available, and no charge is made through the Service today. Paid arrangements are agreed with us directly, in writing, and the terms of that agreement (billing period, renewal, taxes, refunds and what happens on non-payment) are set out there. If and when self-serve billing is switched on, we'll update this section and give notice before charging anyone.

11. Availability

We work to keep Credda available, but we don't promise uninterrupted service, and we may change or discontinue features. We don't currently offer a service level agreement; if you need one, contact us.

12. Warranties and liability

The Service is provided "as is". To the fullest extent the law allows, we exclude implied warranties, and we are not liable for indirect or consequential loss, lost profits, or loss of business.

To the fullest extent the law allows, our total liability arising out of or relating to the Service is limited to the greater of (a) the amounts you paid us for the Service in the twelve months before the claim, and (b) one hundred US dollars ($100).

Nothing here excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

13. Suspension and termination

You may close your account at any time from Settings. We may suspend or terminate access if you breach these terms, if we're required to by law, or if continuing would create a serious risk to the Service or its users. Sections 4, 5, 6, 8, 12 and 14 survive termination.

14. Governing law and disputes

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, and the state and federal courts located in Delaware have exclusive jurisdiction.

Nothing in this section takes away any right you have to bring a claim in your home state where the law gives you that right and it cannot be waived.

15. Changes

We may update these terms. For material changes we'll give notice (by email or in the product) before they take effect. Continuing to use Credda after that means you accept the updated terms.

Questions: martin@credda.io