# Creditlink Terms of Use

**Effective Date: \[Jun 3, 2025]**

**Welcome to Creditlink. These Terms of Use ("Terms") govern your access to and use of the Creditlink platform, including our website, APIs, smart contracts, credit scoring engine, and NFT-based identity services (collectively, the “Services”).**

**By accessing or using our Services, you agree to be bound by these Terms.**

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#### **1. Eligibility**

**You must be at least 18 years old and legally capable in your jurisdiction to use Creditlink. By using our Services, you represent and warrant that you meet these requirements.**

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#### **2. Use of Services**

#### **2.1 Permitted Use**

**You agree to use the Services only for lawful, authorized, and intended purposes, including:**

* **Accessing and querying your on-chain credit score**
* **Generating or managing your Credit NFT**
* **Integrating our APIs into eligible Web3 applications**

#### **2.2 Prohibited Conduct**

**You agree not to:**

* **Use the Services to engage in illegal or fraudulent activity**
* **Attempt to reverse-engineer, copy, or tamper with our AI scoring models**
* **Bypass or manipulate Sybil-resistance mechanisms**
* **Use bots or automated scripts to abuse Services (e.g., airdrops or mining rewards)**
* **Violate any applicable laws or third-party rights**

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#### **3. Credit Scores & NFT Identity**

**All credit scores and NFTs issued through Creditlink are non-binding and for informational or risk assessment purposes only. They do not represent a legal guarantee, financial advice, or endorsement of any user, protocol, or asset.**

**Creditlink reserves the right to update scores at any time based on new data, behaviors, or technical improvements to its algorithms.**

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#### **4. Intellectual Property**

**All content, algorithms, trademarks, logos, and infrastructure used to power the Creditlink platform are the intellectual property of Creditlink or its partners. You may not use them without explicit permission.**

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#### **5. Limitation of Liability**

**The Services are provided "as is" and "as available" without warranties of any kind. Creditlink shall not be liable for:**

* **Any losses resulting from inaccurate credit scores**
* **Damage or loss of digital assets**
* **Third-party smart contract vulnerabilities**
* **Use or misuse of Credit NFTs**

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#### **6. Termination**

**Creditlink may suspend or terminate your access to the Services at any time if we suspect a violation of these Terms, abuse of our systems, or legal non-compliance.**

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#### **7. Governing Law**

**These Terms are governed by the laws of \[Insert Jurisdiction], without regard to its conflict of laws principles.**

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#### **8. Changes to Terms**

**We may update these Terms at any time. Continued use of the Services constitutes acceptance of the new Terms.**

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#### **9. Contact Us**

**If you have questions about these Terms, please contact us at:**

[**contact@Creditlink.info**](mailto:contact@Creditlink.info)