Terms of Service

1. Acceptance of Terms

By accessing or using Credizen's website (www.credizen.net) and services (collectively, the "Platform"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use our Platform.

2. Service Description

Credizen is a loan comparison platform that helps users find and compare personal loan offers from licensed lenders across Romania, Colombia, Mexico, Poland, South Africa, Vietnam, and Kazakhstan. Our service includes:

• AI-powered matching algorithm to connect users with suitable lenders
• Real-time loan offer comparisons (APR, terms, fees)
• Application submission facilitation to selected lenders
• Educational content about personal finance and loans

3. User Eligibility

To use Credizen, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction)
• Have legal capacity to enter into binding contracts
• Reside in one of our supported countries (RO, CO, MX, PL, ZA, VN, KZ)
• Provide accurate, current, and complete information during registration
• Not be prohibited from using financial services under applicable law

Verification: We reserve the right to verify your identity and eligibility using third-party services. Providing false information may result in account termination and legal action.

4. User Responsibilities & Prohibited Conduct

4.1 Your Obligations

When using Credizen, you agree to:

• Provide truthful, accurate, and complete information in loan applications
• Keep your account credentials secure and confidential
• Notify us immediately of any unauthorized access to your account
• Review lender terms before accepting any loan offer
• Understand that you are solely responsible for repaying loans obtained through our Platform

4.2 Prohibited Activities

You must NOT:

Violation Consequences: Immediate account termination, blacklisting from future use, and potential legal action (including criminal prosecution for fraud).

5. Lender Relationships & Loan Terms

5.1 Independent Lender Agreements

When you submit a loan application through Credizen:

1. We forward your information to lenders you've selected
2. Each lender independently evaluates your application
3. If approved, you enter a separate legal agreement directly with the lender
4. Credizen is NOT a party to your loan contract

5.2 Lender Verification

All lenders on our Platform are required to hold valid licenses from relevant financial authorities (e.g., BNR in Romania, NCR in South Africa). However, we do not guarantee:

• Lender solvency or continued operation
• Lender compliance with all applicable regulations
• Quality of lender customer service

6. Fees & Our Business Model

6.1 Free for Users

Credizen's loan comparison service is 100% free for users. You will never be charged:

• Sign-up fees
• Loan application submission fees
• Comparison report fees
• Subscription or membership fees

6.2 Lender Commission (Affiliate Model)

We earn revenue through commissions paid by lenders when:

1. You successfully receive a loan through a lender we introduced
2. The lender pays us a percentage of the loan amount or a fixed referral fee

7. Intellectual Property Rights

All content on the Credizen Platform, including but not limited to:

• Website design, layout, and graphics
• Credizen logo, trademarks, and brand assets
• AI matching algorithm and software code
• Educational articles, guides, and blog posts
• Database structure and API interfaces

...is owned by Credizen or our licensors and protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

Limited License

We grant you a non-exclusive, non-transferable, revocable license to access and use our Platform for personal, non-commercial purposes, subject to these Terms.

8. Disclaimers & Warranties

8.3 Third-Party Content

Our Platform may contain links to third-party websites (lender sites, educational resources). We do not control or endorse these sites and are not responsible for their content, privacy practices, or terms.

9. Limitation of Liability

Note: Some jurisdictions do not allow exclusion of implied warranties or limitation of liability for incidental/consequential damages. In such cases, the above limitations may not apply, and liability shall be limited to the extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Credizen, its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms
• Your violation of any law or third-party rights
• Your loan application or use of our Platform
• Fraudulent or unauthorized use of your account
• Your disputes with lenders

11. Termination

11.1 Your Rights

You may stop using our Platform at any time and request account deletion via support@credizen.net.

11.2 Our Rights

We may suspend or terminate your access to the Platform immediately, without notice, if:

• You breach these Terms
• We suspect fraudulent activity
• Required by law or court order
• We discontinue the Platform (with 30 days' notice)

11.3 Effect of Termination

Upon termination, your access to the Platform ends immediately. Provisions regarding intellectual property, disclaimers, liability limitations, and indemnification survive termination.

12. Dispute Resolution & Governing Law

12.1 Governing Law

These Terms are governed by the laws of Romania (for EU users) or the laws of your country of residence (for non-EU users), excluding conflict of law principles.

12.2 Informal Resolution

Before filing a lawsuit, you agree to contact us at legal@credizen.net to attempt informal resolution. We'll respond within 30 days.

12.3 Arbitration (Optional for EU Users)

Disputes not resolved informally may be settled through binding arbitration under the rules of the Romanian Arbitration Court, conducted in English, in Bucure?ti. EU consumers retain the right to bring claims in their local courts under EU Regulation 1215/2012.

13. General Provisions

14. Contact Information