Terms of Service

1. Agreement

These Terms of Service (the “Terms”) govern access to and use of the Credyx platform, website, and API (the “Service”) provided by Credyx (“Credyx”, “we”, “us”). By creating an account or using the Service you agree to these Terms on behalf of yourself and, where applicable, the organisation you represent. The Service is offered to businesses; it is not intended for consumers.

2. The Service

Credyx retrieves company registry data and filed financial statements from official government sources and free public aggregators, computes financial ratios deterministically, and produces structured credit risk assessments. Coverage, capabilities, and rate limits vary by country and by subscription plan; the current coverage is shown on the coverage map. Where a source cannot return real data, the Service returns an explicit “not implemented” error rather than substitute data.

3. Accounts and API keys

• You must provide accurate registration information and keep your credentials confidential. You are responsible for all activity under your account and API keys.
• API keys are issued per account and may not be shared outside your organisation or embedded in publicly accessible client-side code.
• Notify us promptly at [email protected] if you suspect unauthorised use of your account.

4. Acceptable use

You agree not to:

• circumvent rate limits, quotas, or plan restrictions, or probe or disrupt the Service’s infrastructure;
• resell, sublicense, or systematically redistribute Service output as a standalone dataset or competing service;
• use the Service to make decisions about consumers’ access to credit, employment, housing, or insurance — the Service assesses companies, not individuals;
• use the Service in violation of applicable law, including sanctions and export-control regulations;
• misrepresent Service output as originating from a government registry when it has been transformed or scored by Credyx.

5. Data accuracy and no financial advice

Registry data is reproduced from official sources as published and may itself contain errors, be incomplete, or be out of date. Risk scores, recommendations, and suggested credit limits are decision-support outputs generated from that data; they are not financial, legal, or investment advice, and they are not a guarantee of any counterparty’s creditworthiness or solvency. You remain solely responsible for your credit decisions and for complying with any regulatory requirements that apply to them.

6. Fees and billing

• Paid plans are billed in advance on a recurring basis at the prices shown on the pricing page at the time of purchase. Prices exclude VAT and similar taxes.
• Usage quotas (searches, lookups, risk analyses) reset per billing period and do not roll over.
• You may cancel at any time; cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except where required by law.
• We may change prices with at least 30 days’ notice, effective from your next billing period.

7. Intellectual property

Credyx retains all rights in the Service, its software, and its branding. You retain all rights in the data you submit. Registry data remains subject to the terms of the issuing authority. We grant you a non-exclusive, non-transferable licence to use Service output within your organisation for internal credit-risk purposes for the duration of your subscription.

8. Availability and changes

We aim for high availability but the Service is provided without an uptime guarantee on self-serve plans. Upstream registries impose their own availability and rate limits that are outside our control. We may modify or discontinue features with reasonable notice; material reductions in a paid plan entitle you to a pro-rated refund of the unused period.

9. Disclaimer and limitation of liability

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. To the maximum extent permitted by law, Credyx’s aggregate liability arising out of or relating to the Service is limited to the fees you paid in the twelve months preceding the claim, and neither party is liable for indirect, incidental, consequential, or punitive damages, or for lost profits or lost data. Nothing in these Terms excludes liability that cannot be excluded by law.

10. Termination

You may close your account at any time. We may suspend or terminate access for material breach of these Terms, non-payment, or use that threatens the integrity of the Service, with notice where practicable. Sections 5, 7, 9, and 11 survive termination. Risk assessments already generated remain available for export for 30 days after closure.

11. General

These Terms are the entire agreement between you and Credyx regarding the Service and supersede prior agreements. If any provision is held unenforceable, the remainder stays in effect. We may update these Terms; material changes will be notified at least 30 days in advance, and continued use after the effective date constitutes acceptance. Questions about these Terms: [email protected].