Effective Date: January 1, 2025

Welcome to Credit Plex AI ("we," "us," or "our"). By accessing or using our website (www.creditplexai.com), services, and products (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). Please read them carefully before using our Services.

1. Acceptance of Terms By accessing or using the Services, you confirm that you have read, understood, and agree to these Terms. If you do not agree to these Terms, do not use our Services.

2. No Guarantees and AI Limitations

2.1. No Guarantee of Results: Credit Plex AI makes no guarantees, promises, or warranties regarding the accuracy, completeness, or effectiveness of the Services or any specific results that may be achieved by using the Services. Results may vary.

2.2. AI-Generated Content: Our Services may include content generated by artificial intelligence (AI). While we strive for accuracy, AI may produce errors, omissions, or incorrect information. Users are advised to verify any information provided.

2.3. No Professional Advice: Credit Plex AI does not provide any form of advice, including but not limited to financial, legal, or professional advice. Any information or content provided through the Services is for informational purposes only and should not be construed as advice or relied upon for decision-making.

3. Limitation of Liability

3.1. General Limitation: To the maximum extent permitted by law, Credit Plex AI, its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any damages (including but not limited to direct, indirect, incidental, consequential, or punitive damages) arising out of or related to your use of the Services, even if advised of the possibility of such damages.

3.2. Indemnification: You agree to indemnify, defend, and hold harmless Credit Plex AI and its affiliates from and against any claims, damages, losses, or liabilities arising out of your use of the Services, violation of these Terms, or infringement of any third-party rights.

4. Use of Services

4.1. Eligibility: You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you meet this eligibility requirement.

4.2. Paid Subscription Requirement: The Services are exclusively available to paying subscribers. The subscription fee is $29.97 per month. By subscribing, you agree to pay this fee regularly unless canceled. Subscribers may terminate their subscription at any time; however, no refunds will be provided for partial billing periods.

4.3. Non-Transferability: Subscription accounts are non-transferable and intended solely for individual use. Sharing accounts with others is strictly prohibited. Each user must maintain their account to ensure personalized results. Credit Plex AI disclaims all liability for discrepancies or inaccuracies resulting from account sharing.

4.4. Prohibited Uses: You agree not to use the Services for any unlawful, harmful, or unauthorized purposes, including but not limited to fraud, misrepresentation, or violation of applicable laws and regulations.

5. Intellectual Property All content, features, and functionality provided through the Services, including but not limited to text, graphics, logos, and AI-generated content, are the exclusive property of Credit Plex AI and are protected under intellectual property laws. Unauthorized use is strictly prohibited.

6. Governing Law and Dispute Resolution

6.1. Governing Law: These Terms are governed by and construed by the laws of the State of California, County of Orange, without regard to its conflict of laws principles.

6.2. Arbitration: Any disputes arising out of or related to these Terms or the use of our Services shall be resolved through binding arbitration conducted in Orange County, California. Each party shall bear its legal costs and expenses.

7. Disclaimer of Warranties

7.1. "As-Is" Basis: The Services are provided "as-is" and "as available," without any warranties of any kind, express or implied. Credit Plex AI disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

7.2. External Links: Our Services may contain links to third-party websites. Credit Plex AI is not responsible for the content, accuracy, or reliability of any third-party websites.

8. Privacy Policy Your use of the Services is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

9. Termination We reserve the right to suspend or terminate your access to the Services at any time, without notice, for any violation of these Terms or applicable laws, or any other reason at our sole discretion. Users may also terminate their subscription at any time through their account settings. Please note that termination by the user does not entitle them to a refund for the remainder of the billing cycle.

10. Changes to Terms We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting to our website. Your continued use of the Services constitutes acceptance of the revised Terms.

11. Contact Information If you have any questions or concerns about these Terms, please contact us at:

Email: www.creditplexai.com/contact

Acknowledgment By using the Services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. You also acknowledge that sharing your account or attempting to transfer access to another individual may result in immediate suspension or termination of your subscription.