Terms of Service

1. Introduction

Thank you for using our mobile application and its financial services (the "App" or the "Service"). These Terms of Service ("Terms") outline the rules and obligations that apply when you access or use the App. By installing, registering, or making use of the Service, you confirm that you understand and agree to be legally bound by these Terms. If you do not accept them, please stop using the Service immediately. We may revise or update these Terms from time to time. The latest version will always indicate the "Effective Date". Continued use of the Service after any updates means you accept the revised Terms.

2. Eligibility

To use the App, you must:
- Be at least 18 years old, or of the legal age of majority in your country or region.
- Have full legal capacity to enter into binding agreements.
- If acting on behalf of a company or organization, confirm that you are authorized to commit that entity to these Terms.

3. Account Registration and Security

Some features require creating an account. By registering, you agree to:
- Provide accurate, complete, and up-to-date details.
- Keep your login credentials confidential and secure.
- Inform us immediately if you suspect unauthorized access to your account.
You are fully responsible for all activities performed under your account. We are not liable for losses caused by failure to maintain account security.

4. Services Provided

The App offers users access to a variety of financial-related tools and resources, which may include:
- Credit review and scoring functionalities
- Tracking of transactions and account history
- Secure upload and storage of personal or financial documents
We may modify, suspend, or discontinue certain features at our discretion without prior notice.

5. User Obligations

By using the App, you agree to:
- Use the Service only for lawful and proper purposes.
- Provide truthful and accurate information at all times.
- Follow all relevant laws and regulations.
- Refrain from disrupting or interfering with the operation of the Service.
Misuse, fraud, or violations may result in temporary suspension or permanent termination of your account.

6. Prohibited Uses

You may not:
- Engage in unlawful, abusive, or fraudulent conduct.
- Upload or distribute viruses, malicious code, or similar threats.
- Attempt to gain unauthorized access to other users’ data or accounts.
- Reverse-engineer, tamper with, or attempt to exploit the App’s systems or security.
- Use the Service to harass, defraud, or cause harm to others.
Breaches of these rules may lead to immediate termination and possible legal consequences.

7. Privacy and Data Protection

Use of the App is subject to our Privacy Policy, which explains how your information is collected, stored, and protected. By using the Service, you agree to those data practices.

8. Limitation of Liability

To the fullest extent permitted by law, we and our affiliates shall not be responsible for:
- Indirect, incidental, or consequential damages.
- Any loss of revenue, profit, or data.
- Interruptions, errors, or delays in the Service.
While we work to ensure stable and reliable service, we cannot guarantee continuous, error-free operation at all times.

9. Suspension and Termination

We may restrict, suspend, or permanently terminate your access if you violate these Terms, misuse the Service, or engage in unlawful conduct. You may also close your account at any time by contacting support. Certain data may still be retained as required by law or regulatory obligations.

10. Changes to Terms

We reserve the right to amend or revise these Terms. Updated versions will always be available in the App. Your continued use after any changes indicates acceptance of the updated Terms.

11. Contact Information

If you have questions or need assistance regarding these Terms, please contact us at:
📧 support@nayacred.com