Terms of Service

1. Acceptance of Terms

1.1 These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Creds Technologies Inc., a Delaware corporation (“Company,” “we,” “us,” or “our”), governing your access to and use of the Creds platform, website, APIs, and all related services (collectively, the “Platform”).

1.2 By creating an account, accessing, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Platform.

1.3 We reserve the right to modify these Terms at any time. We will provide notice of material changes by email or in-app notification at least thirty (30) days before the changes take effect. Your continued use of the Platform after the effective date of any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Platform and delete your account.

2. Eligibility

2.1 You must be at least eighteen (18) years of age to use the Platform. By using the Platform, you represent and warrant that you are at least 18 years old.

2.2 You represent and warrant that you are not (a) located in, under the control of, or a national or resident of any country or territory that is subject to a U.S. government embargo or that has been designated by the U.S. government as a “terrorist supporting” country; or (b) listed on any U.S. government list of prohibited or restricted parties, including the Specially Designated Nationals List maintained by the Office of Foreign Assets Control (“OFAC”).

2.3 You represent and warrant that your use of the Platform complies with all applicable laws and regulations in your jurisdiction. You are solely responsible for determining whether your use of the Platform is lawful in your jurisdiction.

2.4 If you are using the Platform on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms, and “you” and “your” shall refer to both you individually and the entity.

3. Account Registration

3.1 To access certain features of the Platform, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.

3.2 You are solely responsible for maintaining the confidentiality of your account credentials, including your password, wallet private keys, and API keys. You agree to notify us immediately of any unauthorized use of your account.

3.3 You may maintain only one (1) account on the Platform. Creating multiple accounts is a violation of these Terms and may result in immediate termination of all your accounts.

3.4 We reserve the right to refuse registration, suspend, or terminate any account at our sole discretion, with or without cause, and with or without notice.

4. Platform Description

4.1 Creds is an information aggregation platform that enables corporate employees to make predictions about their industries using signals and stakes. The Platform uses prediction market mechanics to aggregate collective intelligence and measure forecasting accuracy.

4.2 THE PLATFORM IS NOT A SECURITIES EXCHANGE, COMMODITY EXCHANGE, DERIVATIVES EXCHANGE, OR ANY OTHER FORM OF REGULATED FINANCIAL EXCHANGE. The Platform does not offer securities, commodities, derivatives, or any other regulated financial instruments.

4.3 THE PLATFORM DOES NOT PROVIDE INVESTMENT ADVICE, FINANCIAL ADVICE, TAX ADVICE, OR LEGAL ADVICE. Nothing on the Platform should be construed as a recommendation to buy, sell, or hold any investment or to make any financial decision.

4.4 THE PLATFORM IS NOT A GAMBLING SERVICE. Creds is designed for informational purposes — to aggregate and surface the collective intelligence of industry participants.

5. CREDS Credits

5.1 In the public Platform, CREDS credits are non-redeemable participation credits used exclusively within the Creds ecosystem. PUBLIC CREDS CREDITS ARE NOT SECURITIES, CURRENCY, LEGAL TENDER, INVESTMENT CONTRACTS, OR ANY FORM OF FINANCIAL INSTRUMENT. They do not create ownership, profit, redemption, or cash-out rights.

5.2 Public CREDS credits may be acquired via Stripe payment processing and used only to participate in forecasting features on the Platform. They cannot be transferred out, sold, redeemed, or cashed out.

5.3 PRIVATE TOKEN BETA FEATURES ARE SEPARATE FROM PUBLIC CREDITS. Transferable token, cash-out, or crypto export functionality is available only to allowlisted private beta users who satisfy the additional eligibility gates shown in the Platform.

5.4 Purchases of public CREDS credits are non-refundable except as expressly stated in these Terms or as required by applicable law.

5.5 Public CREDS credits may move within Platform forecasting mechanics based on user participation and outcome resolution, but they remain non-redeemable public participation credits.

5.6 Any private token beta fees, withdrawal limits, or processing terms apply only to eligible allowlisted beta accounts and may be changed, paused, or disabled at any time for compliance, safety, or operational reasons.

6. Signals and Stakes

6.1 Signals are voluntary, free expressions of opinion on prediction outcomes. Participation credits may be committed to a prediction outcome through the Platform's forecasting pool mechanism.

6.2 Participation in signals and credit-based forecasting pools is entirely voluntary. Public credits are non-redeemable and may be lost or moved within the Platform based on outcome resolution.

6.3 PAST PERFORMANCE OF PREDICTIONS DOES NOT INDICATE OR GUARANTEE FUTURE RESULTS. User reputation scores, historical accuracy, and market probabilities are informational only and should not be relied upon as predictors of future outcomes.

6.4 The Platform may present AI-generated content, including market analyses, resolution summaries, and aggregated insights. AI-GENERATED CONTENT IS NOT INVESTMENT ADVICE, FINANCIAL ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. You should not rely on AI-generated content for any decision-making purpose.

7. Resolution

7.1 Predictions on the Platform are resolved through one of the following mechanisms: (a) AI analysis of publicly available information, using services provided by Anthropic; or (b) community vote by Platform participants.

7.2 Resolution decisions are final once confirmed on-chain, absent manifest error. “Manifest error” means an objectively verifiable error in the resolution process, such as the AI resolving against clearly established public facts, or a demonstrable technical malfunction.

7.3 Users may submit a dispute within seventy-two (72) hours of a resolution being posted. Disputes must be submitted through the Platform's dispute mechanism and must include specific evidence supporting the claim of error. We will review disputes in good faith but are not obligated to reverse any resolution.

7.4 We reserve the right to void or cancel any prediction market in cases of: (a) market manipulation or suspected manipulation; (b) ambiguity in the prediction question that cannot be reasonably resolved; (c) force majeure events that make resolution impossible or impracticable; or (d) any other circumstance where resolution would be unfair or unreliable. In the event of a voided market, eligible public participation credits will be returned inside the Platform, unless prohibited by abuse, fraud, or legal requirements.

8. Anonymity and Privacy

8.1 Your work email address is used solely to verify your company domain affiliation. All Platform activity — including signals, credit participation, and comments — is pseudonymous and associated with your chosen display name and wallet address, not your name or email.

8.2 Other users of the Platform can see only your display name (which you choose) and your on-chain wallet address. Your email address, real name, and employer information are never displayed to other users.

8.3 For details on how we collect, use, and protect your personal information, please refer to our Privacy Policy.

8.4 Notwithstanding the foregoing, we may de-anonymize and disclose your identity and account information in response to valid legal process, including but not limited to court orders, subpoenas, and government investigative demands.

9. Prohibited Conduct

You agree not to:

9.1 Engage in market manipulation, including but not limited to: wash trading, spoofing, layering, or any other conduct designed to artificially influence prediction outcomes, market probabilities, or CREDS prices.

9.2 Abuse material non-public information in a manner that violates applicable securities laws or regulations.

9.3 Share, transfer, sell, or otherwise provide access to your account credentials to any third party.

9.4 Access the Platform through automated means (bots, scrapers, crawlers) without a valid API key issued by the Platform.

9.5 Harass, threaten, intimidate, or abuse other users of the Platform.

9.6 Circumvent, disable, or interfere with any security features, access controls, or technical limitations of the Platform.

9.7 Use the Platform for any purpose that is illegal, fraudulent, or harmful, or in connection with any illegal, fraudulent, or harmful activity.

9.8 Create multiple accounts or use another person's account without authorization.

10. Intellectual Property

10.1 The Platform, including its design, code, branding, logos, trademarks, and all content created by us, is the exclusive property of Creds Technologies Inc. and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works of any Platform materials without our prior written consent.

10.2 You retain ownership of any content you create on the Platform, including predictions, comments, and other user-generated content (“User Content”). By posting User Content, you grant Creds Technologies Inc. a non-exclusive, worldwide, royalty-free, transferable, sub-licensable license to use, display, reproduce, modify, and distribute your User Content in connection with operating and promoting the Platform.

10.3 You represent and warrant that you have all necessary rights to post your User Content and that your User Content does not infringe the intellectual property rights of any third party.

11. Third-Party Services

11.1 The Platform integrates with and relies upon third-party services, including but not limited to: Stripe for payment processing, the Ethereum blockchain for on-chain settlements and token transactions, and Anthropic for AI-powered prediction resolution.

11.2 We are not responsible for the availability, accuracy, security, or performance of any third-party services. Your use of third-party services is subject to those third parties' respective terms of service and privacy policies.

11.3 Transactions conducted on the Ethereum blockchain are irreversible. We have no ability to reverse, cancel, or modify blockchain transactions once they have been confirmed. You are solely responsible for ensuring the accuracy of all on-chain transactions.

12. Disclaimers

12.1 THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

12.2 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREDS TECHNOLOGIES INC. EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

12.3 We do not warrant that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on the Platform, including AI-generated content, market probabilities, or prediction resolutions.

12.4 We do not warrant that any private token beta feature will maintain any particular value or that cash-out, transfer-out, or crypto export functionality will be available at any particular time.

13. Limitation of Liability

13.1 IN NO EVENT SHALL CREDS TECHNOLOGIES INC., ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM.

13.2 IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CREDS TECHNOLOGIES INC. FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM EXCEED THE TOTAL AMOUNT YOU PAID TO CREDS TECHNOLOGIES INC. IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13.3 The limitations in this Section apply regardless of the theory of liability, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

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

14. Indemnification

14.1 You agree to indemnify, defend, and hold harmless Creds Technologies Inc., its affiliates, and their respective directors, officers, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of or access to the Platform;
• Your User Content;
• Your violation of these Terms;
• Your violation of any applicable law, regulation, or third-party right;
• Any dispute between you and any third party arising from your use of the Platform.

14.2 We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

15. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

15.1 Agreement to Arbitrate. You and Creds Technologies Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (collectively, “Disputes”) shall be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring individual claims in small claims court if the claims qualify.

15.2 Arbitration Rules. Arbitration shall be conducted by a single arbitrator under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”). The arbitration shall take place in Wilmington, Delaware, or at another mutually agreed location. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

15.3 WAIVER OF JURY TRIAL. YOU AND CREDS TECHNOLOGIES INC. EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM.

15.4 WAIVER OF CLASS ACTION. ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS. YOU AND CREDS TECHNOLOGIES INC. EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING, WHETHER AS A PLAINTIFF, CLASS MEMBER, OR OTHERWISE.

15.5 Small Claims Exception. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the jurisdictional limits of such court.

15.6 30-Day Right to Opt Out. You have the right to opt out of binding arbitration by sending written notice of your decision to opt out to legal@creds.market within thirty (30) days of first accepting these Terms. Your notice must include your name, wallet address, and a clear statement that you wish to opt out of arbitration.

16. Governing Law

These Terms and any Disputes arising out of or relating to these Terms or the Platform 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 provisions. To the extent that litigation is permissible under these Terms, you consent to the exclusive jurisdiction of the state and federal courts located in the State of Delaware.

17. Termination

17.1 We may suspend or terminate your account and access to the Platform at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to: violation of these Terms, suspected fraud or manipulation, legal or regulatory requirements, or extended periods of inactivity.

17.2 You may delete your account at any time through the Platform settings or by contacting us at legal@creds.market.

17.3 Upon termination, any outstanding public participation credits in active prediction markets will be handled under normal Platform mechanics. Public credits are not withdrawable or redeemable.

17.4 The following sections shall survive termination: Sections 5 (CREDS Tokens), 10 (Intellectual Property), 12 (Disclaimers), 13 (Limitation of Liability), 14 (Indemnification), 15 (Dispute Resolution and Arbitration), 16 (Governing Law), and 18 (General Provisions).

18. General Provisions

18.1 Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Creds Technologies Inc. with respect to the Platform and supersede all prior agreements and understandings.

18.2 Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

18.3 No Waiver. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by us.

18.4 Assignment. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction.

18.5 Force Majeure. Neither party shall be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, pandemics, government actions, power failures, internet or telecommunications failures, blockchain network congestion or failures, or smart contract vulnerabilities.

18.6 Notices. Notices to you may be sent to the email address associated with your account. Notices to us should be sent to legal@creds.market.