Terms of Service

Kredifi Terms of Service
Effective Date: April 8, 2026

ARBITRATION NOTICE

PLEASE READ THIS SECTION CAREFULLY. YOU AGREE THAT MOST DISPUTES BETWEEN YOU AND KREDIFI WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, AND YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS, AS DESCRIBED IN SECTION 17.

1. Overview

These Terms of Service (“Terms”) govern your access to and use of the website located at https://www.kredifi.com, and any related services, software, platforms, and tools (collectively, the “Services”) provided by Kredifi, Inc. (“Kredifi,” “we,” “us,” or “our”).

These Terms apply to:

Business customers (“Customers”)
Individuals subject to background checks (“Applicants”)
Website visitors and other users

If you use the Services on behalf of an entity, you represent that you have authority to bind that entity.

By accessing or using the Services, you agree to these Terms.

2. Eligibility

You must be at least 18 years old and capable of forming a binding contract.

You may not use the Services if:

You are prohibited by applicable law
You have been previously suspended or removed

3. Account Registration & Security

You are responsible for:

Maintaining the confidentiality of your credentials
All activity under your account
Providing accurate and current information

You must promptly notify us of unauthorized use.

We may suspend or terminate accounts for violations of these Terms or legal risk.

4. Compliance with Laws (Including FCRA)

You agree to use the Services in compliance with all applicable laws, including:

Fair Credit Reporting Act (FCRA)
Equal Employment Opportunity laws
State and local screening laws

Customer Obligations

If you are a Customer requesting reports, you certify that you:

Have a permissible purpose under the FCRA
Will obtain proper written authorization from the Applicant
Will provide required disclosures and notices
Will comply with adverse action requirements

Prohibited Conduct

YOU MAY NOT:

Obtain a consumer report under false pretenses
Use reports for unlawful or discriminatory purposes

FCRA Notice:
Any person who knowingly and willfully obtains consumer information under false pretenses may face fines and/or imprisonment under federal law.

5. Applicant Authorizations & Disclosures

By using the Services as an Applicant or authorizing a report, you acknowledge:

Reports may include information about:
- Criminal history
- Employment and education
- Identity verification
- Credit or eviction history (where permitted)
Information may be obtained from:
- Public records
- Employers and educational institutions
- Government agencies
- Third-party data providers

You have rights under the FCRA, including the right to dispute inaccurate information.

6. Service Nature & Data Accuracy

Kredifi provides background screening services using third-party data sources.

YOU ACKNOWLEDGE:

Data may contain errors or omissions
Kredifi does not guarantee completeness or accuracy
We follow reasonable procedures to ensure accuracy as required by law

7. Fees & Payment

You agree to pay all applicable fees.

Fees are generally non-refundable once services begin
Payments may be processed by third-party providers
You are responsible for taxes and applicable charges

8. Use Restrictions

You agree NOT to:

Violate any law or regulation
Reverse engineer or copy the Services
Scrape or harvest data without authorization
Use the Services for competitive or benchmarking purposes
Interfere with system integrity or security
Misrepresent identity or authority
Upload harmful code (malware, viruses, etc.)

9. Customer Data & Privacy

Your use of the Services is subject to our Privacy Policy.

You agree:

To only submit data you are authorized to use
To comply with applicable privacy laws
Not to misuse personal or sensitive information

10. Intellectual Property

All rights in the Services are owned by Kredifi or its licensors.

We grant you a:

Limited
Non-exclusive
Non-transferable
Revocable license

to use the Services for lawful business purposes.

You may not copy, modify, or exploit the Services without permission.

11. User Content

You grant Kredifi a license to use content you submit solely to:

Provide the Services
Comply with legal obligations
Facilitate dispute resolution

You represent that you have rights to submit such content.

12. Third-Party Services

The Services may rely on third-party providers and data sources.

Kredifi is not responsible for:

Third-party accuracy
External services or links

13. Service Availability & Changes

We may:

Modify or discontinue Services
Change pricing
Update features

We are not liable for service interruptions or changes.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

KREDIFI DISCLAIMS ALL WARRANTIES, INCLUDING:

MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT

We do not guarantee:

Accuracy of reports
Continuous availability
Error-free operation

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

KREDIFI WILL NOT BE LIABLE FOR:

INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES
LOSS OF PROFITS, DATA, OR BUSINESS

TOTAL LIABILITY WILL NOT EXCEED:
THE GREATER OF $100 OR THE AMOUNT PAID IN THE LAST 12 MONTHS

16. Indemnification

You agree to indemnify and hold Kredifi harmless from claims arising from:

Your misuse of the Services
Your violation of law or these Terms
Your failure to comply with FCRA or privacy laws

17. Dispute Resolution & Arbitration

Informal Resolution First

You agree to attempt to resolve disputes informally by contacting support@kredifi.com.

Binding Arbitration

If unresolved, disputes will be resolved by binding arbitration under the Federal Arbitration Act.

Administered by the American Arbitration Association (AAA)
Individual basis only (no class actions)
Arbitrator has exclusive authority

Class Action Waiver

YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS.

Opt-Out

You may opt out within 30 days by written notice.

18. Termination

We may suspend or terminate access if:

You violate these Terms
Required by law or risk considerations

You remain responsible for outstanding fees.

19. Notices

We may provide notices via:

Email
Platform notifications
Website postings

20. Changes to Terms

We may update these Terms from time to time.

Material changes will be communicated where required.

Continued use constitutes acceptance.

21. Governing Law

Except where preempted by federal law:

These Terms are governed by Delaware law
Arbitration governed by Federal Arbitration Act

22. General Terms

No partnership or agency relationship
Terms are the entire agreement
If any provision is invalid, the rest remains enforceable
Failure to enforce is not a waiver

23. Contact Information

Kredifi, Inc.
830 Hillview Court, Suite 280
Milpitas, CA 95035, USA
Email: support@kredifi.com