Terms of Service

Last updated: January 2025

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CRED, Inc. ("CRED," "we," "us," or "our") governing your access to and use of the CRED platform, including our website, applications, APIs, and all related services (collectively, the "Services"). Please read these Terms carefully before using our Services.

Acceptance of Terms

By creating an account, accessing, or using the CRED platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and any other policies referenced herein. If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and references to "you" shall include both you individually and the organization you represent.

If you do not agree to these Terms, you must not access or use the Services. We reserve the right to update or modify these Terms at any time. We will notify you of material changes by posting the revised Terms on our website and updating the "Last Updated" date. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

Service Description

CRED provides a B2B data intelligence platform that enables businesses to access, analyze, and leverage commercial real estate and business data for decision-making, market analysis, and operational efficiency. Our Services include data enrichment, company and contact intelligence, analytics and reporting, API access, workflow automation, and related tools and features as described on our website and in our product documentation.

CRED continuously improves and updates the platform. We may add, modify, or discontinue features, functionality, or content at any time without prior notice. We will make commercially reasonable efforts to notify you of significant changes that may materially affect your use of the Services. The availability of specific data sets, enrichment capabilities, and integrations may vary based on your subscription tier and are subject to the terms of your specific service agreement.

Our platform processes data from various sources, including publicly available information, licensed data providers, and user-contributed data. While we strive for accuracy and completeness, we do not guarantee that all data available through the platform is accurate, complete, or current. You are responsible for independently verifying any data obtained through the Services before relying on it for business decisions.

User Accounts

To access the CRED platform, you must register for an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify CRED immediately of any unauthorized access to or use of your account. CRED will not be liable for any loss or damage arising from your failure to protect your account credentials.

You may not share your account credentials with others, create multiple accounts for a single individual, or transfer your account to another person or entity without our prior written consent. Organization accounts may have multiple authorized users as specified in the applicable subscription plan. Account administrators are responsible for managing user access and ensuring compliance with these Terms by all authorized users within their organization.

We reserve the right to suspend or terminate your account at any time if we reasonably believe that you have violated these Terms, engaged in fraudulent or unlawful activity, or pose a security risk to the platform or other users.

Acceptable Use

You agree to use the CRED platform only for lawful purposes and in accordance with these Terms. You shall not use the Services to engage in any activity that violates applicable local, state, national, or international laws or regulations. Specifically, you agree not to:

  • Use the Services to collect, store, or process personal data in violation of applicable data protection laws, including the GDPR, CCPA, or any other privacy legislation
  • Attempt to gain unauthorized access to any portion of the platform, other user accounts, computer systems, or networks connected to the Services
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of any software used in the provision of the Services
  • Use automated tools, bots, scrapers, or similar technologies to access the Services in a manner that exceeds the rate limits or usage quotas specified in your subscription plan
  • Resell, redistribute, sublicense, or make the Services or any data obtained through the Services available to any third party without our express written consent
  • Interfere with or disrupt the integrity, performance, or availability of the Services or the data contained therein
  • Use the Services to send unsolicited commercial communications (spam) or to engage in any form of harassment, abuse, or threatening behavior

Intellectual Property

The CRED platform, including all software, algorithms, user interfaces, content, documentation, trademarks, logos, and other materials (collectively, "CRED Materials"), are owned by or licensed to CRED and are protected by intellectual property laws, including copyright, trademark, patent, and trade secret laws. These Terms do not grant you any ownership rights in the CRED Materials.

Subject to your compliance with these Terms and payment of applicable fees, CRED grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services during your subscription period solely for your internal business purposes. This license does not include the right to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any CRED Materials.

You retain all rights in any data, content, or materials that you upload to or create using the CRED platform ("User Content"). By uploading User Content, you grant CRED a non-exclusive, worldwide, royalty-free license to use, store, and process your User Content solely as necessary to provide the Services and as described in our Privacy Policy.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CRED, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF CRED HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CRED'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO CRED DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS LIMITATION OF LIABILITY IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND CRED AND SHALL APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by applicable law.

Termination

You may terminate your account at any time by contacting our support team or using the account settings within the platform. Upon termination, your right to access and use the Services will immediately cease. CRED will delete your account data within 90 days of termination, unless retention is required by law or for legitimate business purposes as described in our Privacy Policy.

CRED may suspend or terminate your access to the Services at any time, with or without cause, upon reasonable notice. We will provide at least 30 days' notice for terminations without cause, except in cases where immediate termination is necessary to protect the security or integrity of the platform, comply with legal requirements, or address violations of these Terms. In the event of termination for cause, no refund of prepaid fees will be provided.

Sections of these Terms that by their nature should survive termination will continue to apply, including but not limited to provisions regarding intellectual property, limitation of liability, indemnification, and governing law.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or the Services shall be resolved exclusively in the state or federal courts located in Wilmington, Delaware, and you consent to the personal jurisdiction and venue of such courts.

Notwithstanding the foregoing, CRED may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of CRED's intellectual property rights, confidential information, or other proprietary rights. If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

Contact Information

If you have any questions about these Terms of Service, please contact us at: