Terms of Service

Last Updated: October 15, 2023

1. Acceptance of Terms

Crediful.com is provided free of charge.

Crediful.com shall not be liable to you for any breach of these Terms. If you do not agree to these Terms, please do not register for or enter Crediful.com.

Please refer to this page before using Crediful.com to determine whether a change has been made to these Terms. If you do not agree to these changes in the Terms as they may occur, please arrange to terminate your registration with Crediful.com immediately (i) by notifying Crediful.com of your unwillingness to accept the changes to the Terms; and (ii) by discontinuing your use of Crediful.com. Your continued use of Crediful.com will signify your acceptance of any change in the terms and conditions set forth herein.

1a. From time to time, Crediful.com may supplement these Terms with additional terms pertaining to specific content or events (“Additional Terms”), which Additional Terms may be placed on this site to be viewed in connection with the specific content or events and shall be identified as such. You understand and agree that such Additional Terms are hereby incorporated by reference into these Terms.

1b. By Registering with Crediful, you acknowledge and agree that Crediful is NOT to be considered a Credit Repair Organization under any definition nor does Crediful itself provide credit, counseling, legal or other related services. Crediful is a consumer discussion board and, of itself, provides no services other than internet storage space and forum software.

2. Registration Information / Privacy

When you register for Crediful.com, you will be required to provide Crediful.com with the following information: your e-mail address, member name, and password. In addition, you may choose to provide Crediful.com with additional information, including but not limited to your name, location, and messaging service member names.

Any information provided by you or gathered by Crediful.com during any visit to Crediful.com shall be subject to the terms of Crediful.com’s Privacy, which is incorporated herein by reference.

Crediful.com reserves the right to terminate your Crediful.com account if we learn that you have provided us with false or misleading registration information.

3. Termination

Crediful.com reserves the right, at its sole discretion, to immediately, without notice, suspend or terminate (i) these Terms; and/or (ii) your registration(s) with or ability to access Crediful.com and/or any other service provided to you by Crediful.com upon any breach by you of the Terms.

4. Modifications of these Terms

Crediful.com may modify these Terms from time to time in its sole discretion. Each time you log on to Crediful.com, you will be deemed to have accepted any such changes. In the event we modify these Terms, we reserve the right (at Crediful.com’s discretion) to provide you notice of such changes to any e-mail address or post office address you have provided to Crediful.com.

5. Modifications of the Crediful.com Network

Crediful.com may modify or discontinue Crediful.com with or without notice to you and without liability to you or any third party.

6. Content of Messages

You alone are responsible for the content of your messages and the consequences of any such messages. Crediful.com reserves the right to terminate your registration if it becomes aware and determines, in its sole discretion, that you are violating any of the following guidelines.

Any use by you of any other subscriber’s information, personal or otherwise, for any commercial purpose or to obtain direct financial gain (e.g. mass marketing) is prohibited. Any such use shall be deemed to be a violation of these Terms.

Crediful.com is to be used by you for your personal use only. Commercial uses of Crediful.com are strictly prohibited unless prior written consent from Crediful.com has been granted. You agree that you will not use Crediful.com for chain letters, junk mail, ‘spamming,’ solicitations (commercial or non-commercial) or bulk communications of any kind, including but not limited to distribution lists to any person who has not given specific permission to be included in such a list.

You further agree not to use Crediful.com to send or post on message boards or any place on Crediful.com, any message or material that is unlawful, harassing, libelous, defamatory, abusive, threatening, harmful, vulgar, obscene, profane, sexually-oriented (unless within the scope of the topic area of a message board as determined by Crediful.com in its sole discretion), racially offensive, inaccurate, or otherwise objectionable material of any kind or nature or that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law or regulation, or encourage the use of controlled substances.

For purposes of the immediately preceding sentence, “masked” vulgarity, obscenity or profanity (e.g. “f*ck”) is deemed to be equivalent to including the actual objectionable word, phrase or symbol in your post, message or otherwise on Crediful.com. Crediful.com reserves the right to delete any such material from Crediful.com. Crediful.com will cooperate fully with any law enforcement officials and/or agencies in the investigation of any person or persons who violate the Terms contained in this Section 6.

Political discussion is prohibited at Crediful.com, and any new threads deemed (at Management’s discretion) to be political in nature will be immediately closed.

You agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or consultant of Crediful.com. You further agree not to use an inappropriate username of any kind.

You agree not to post or use Crediful.com to distribute or send any illegal material of any kind, including but not limited to, illegal material in the form of text, graphics, video, programs or audio. Posting content or participating in any form of discussion with the intention to commit any illegal activity is strictly prohibited.

You acknowledge that (i)Crediful.com permits access to content that is protected by copyrights, trademarks and other intellectual and proprietary rights (“Rights”); (ii) these Rights are valid and protected in all media and technologies existing now or later developed; and (iii) except as explicitly provided otherwise, the Terms and applicable copyright, trademark, and other laws govern your use of such content.

You may not post to Crediful.com, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any Rights. The burden of determining that any information, software, images, or any other content on Crediful.com is not protected by Rights rests with you. You acknowledge that Crediful.com may acquire Rights to use any posted materials as described below, and that you will not acquire any of those Rights by downloading such materials.

By submitting content, which shall include your member name, to any “public area” of Crediful.com, including message boards, forums, contests, and chat rooms, you grant Crediful.com and its affiliates a royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any Rights that may exist in such content.

You also warrant that the holder of any Rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You also permit any subscriber to access, display, view, store and reproduce such content for personal use. Subject to the foregoing, the owner of such content placed on Crediful.com retains all Rights that may exist in such content.

7. Third Party Services

You may order services or merchandise through Crediful.com from other persons not affiliated with Crediful.com (“Seller”). All matters concerning the merchandise and services desired from Seller, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance, and delivery, are solely between you and Seller.

Crediful.com makes no warranties or representations whatsoever regarding any goods or services provided by Sellers. You will not consider Crediful.com nor will Crediful.com be construed as a party to such transactions, whether Crediful.com may have received some form of revenue or other remuneration in connection with the transaction or be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transaction.

Crediful.com may include special routing icons which may be located within Crediful.com, the activation of which will allow you to access and learn more about Crediful.com and other services provided by Crediful.com or its affiliates whereby the use of such icons is free of additional charge to you. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.

8. Registration and Password

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, regardless of whether you authorize it. Furthermore, you agree to immediately notify Crediful.com of any unauthorized use of your registration or password.

In the event you believe that material or content published on the Crediful.com may infringe on another’s or your copyright, please provide detailed written notice of such possible infringement by sending a detailed e-mail message to admin [at] Crediful.com.

10. Disclaimer of Warranties

You expressly agree that the use of Crediful.com is at your sole risk. Crediful.com is provided on an “as is” and “as available” basis. Crediful.com expressly disclaims all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement.

Crediful.com makes no warranty that we will meet your requirements, or that the site will be uninterrupted, timely, secure, or error-free; nor does Crediful.com make any warranty as to the results that may be obtained from the use of this site. Crediful.com will not be liable for any direct, consequential, or incidental damages, whether foreseeable or not, which may result from the unavailability or malfunction of Crediful.com.

You understand and agree that any material and/or data downloaded or otherwise obtained through the use of Crediful.com is at your own discretion and risk, and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data.

You understand and agree that Crediful.com does not guarantee the accuracy or completeness of any information in or provided in connection with Crediful.com. Crediful.com is not responsible for any errors or omissions or for the results obtained from the use of such information.

The information is provided with the understanding that neither Crediful.com nor its members, while such members are participating in Crediful.com, are engaged in rendering legal, medical, counseling or other professional services or advice. Crediful.com encourages you to seek appropriate professional advice or care for any situation or problem which you may have.

Crediful.com shall not be responsible for any loss or damage caused, or alleged to have been caused, directly or indirectly, by the information or ideas contained, suggested or referenced in Crediful.com. Your participation in Crediful.com is solely at your own risk. No advice or information, whether oral or written, obtained by you from Crediful.com or through Crediful.com, its employees, consultants and/or experts shall create any warranty not expressly made herein.

Crediful.com makes no warranty regarding any goods or services purchased or obtained through Crediful.com or any transactions entered into through Crediful.com.

Crediful.com is not responsible for the content on the internet or World Wide Web pages that is contained outside the Crediful.com site. As a convenience to our members, we may provide links to resources that are beyond our control. We make no representations as to the quality, suitability, functionality or legality of any sites to which we may provide links, and you hereby waive any claim you might have against Crediful.com regarding such sites.

By permitting classified and personal advertising, Crediful.com makes no warranties or representations of any kind as to the accuracy of the content or suitability of the subject matter of any such advertisement. Crediful.com specifically disclaims liability for direct, consequential or incidental damages arising from such advertisements.

By posting a personal or classified advertisement on Crediful.com, you are promising that the content of your advertisement is true and that you will indemnify Crediful.com against any claims which may arise from your advertisements. By responding to a classified or personal advertisement on Crediful.com, you waive any claims against Crediful.com for damages arising from such advertisement or your reliance upon statements in such advertisement.

11. Limitation of Liability

Crediful.com shall not be responsible for the following types of damages:

  • Direct Damages: Damages that are an immediate result of using or failing to use Crediful.com.
  • Indirect Damages: Damages that are not immediate, but occur as a result of using or failing to use Crediful.com.
  • Incidental Damages: Additional costs incurred while using or failing to use Crediful.com.
  • Special Damages: Any unique or atypical damages suffered as a result of using or failing to use Crediful.com.
  • Consequential Damages: Long-term effects or costs due to using or failing to use Crediful.com, such as the cost of procurement of substitute goods and services.

These limitations apply whether the damages result from (a) the use or inability to use Crediful.com; (b) the cost to procure substitute goods and services resulting from any goods or services purchased or obtained through Crediful.com; (c) unauthorized access to or alteration of your data or transmissions; or (d) any other matter related to Crediful.com.

By using Crediful.com, you agree to this Limitation of Liability clause, even if Crediful.com has been advised of the possibility of such damages.

12. Private Message Storage

Crediful.com assumes no responsibility for the deletion of or failure to store private messages.

13. Indemnification

You agree to indemnify and hold each of Crediful.com, their parents, subsidiaries, affiliates, officers, directors and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of Crediful.com, the violation of these Terms by you, or the infringement by you, or any other subscriber of your account, of any intellectual property or other right of any person or entity.

14. Applicable Law

These Terms shall be governed by and construed in accordance with the laws of the State of Virginia, without giving effect to its conflicts of laws provisions. By registering for or entering Crediful.com, you consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in Richmond, Virginia.

15. Remedies for Breach of these Terms by You

In the event that Crediful.com determines, in its sole discretion, that you have breached any portion of these Terms, or have otherwise demonstrated conduct inappropriate for the community of Crediful.com, Crediful.com reserves the right to (i) warn you via e-mail that you have violated these Terms; (ii) delete any content provided by you or your agent(s) to Crediful.com; (iii) delete all content provided by you to Crediful.com; (iv) discontinue your registration(s) with Crediful.com and/or any other Crediful.com community; (v) notify and/or send content to and/or fully cooperate with the proper law enforcement authorities for further action; and/or (vi) any other action which Crediful.com deems to be appropriate.

If your registration(s) with or ability to access Crediful.com, any other Crediful.com community and/or any other service provided to you by Crediful.com is discontinued by Crediful.com due to your violation of any portion of these Terms or for conduct otherwise inappropriate for the community of Crediful.com, then you agree that you shall not attempt to re-register with or access Crediful.com, any other Crediful.com community and/or any other service provided by Crediful.com, through use of a different member name or otherwise. If you violate the immediately preceding sentence, Crediful.com reserves the right, in its sole discretion, to immediately take any or all of the actions set forth in subsections (ii), (iii), (iv), (v) and (vi) above without any notice or warning to you.

16. Miscellaneous

In the event that any provision of the Terms conflicts with the law under which the Terms are to be construed or if any such provisions are held invalid by a court with jurisdiction over the parties to the Terms, such provision will be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law, and the remainder of these Terms will remain in full force and effect.

The failure of either party to insist upon or enforce strict performance by the other party of any provision of the Terms or to exercise any right under the Terms will not be construed as a waiver or relinquishment to any extent of such party’s right to assert or rely upon any such provision or right in that or any other instance, rather, the same will be and remain in full force and effect.

Crediful.com may assign its rights and obligations under these Terms and upon such assignment, Crediful.com may be relieved of any further obligation hereunder.

You represent to Crediful.com that you have the authority to register with or visit Crediful.com according to these Terms. Crediful.com does not encourage, solicit, or permit visitors who are known to be under the age of 13 to become a member of or visit Crediful.com.

These Terms and any Additional Terms (as such terms shall be identified when posted on Crediful.com by Crediful.com) constitute the entire understanding between the parties as to the subject matter hereof, and supersede all prior agreements and understandings. Any legally unenforceable provision of these Terms will, at the election of Crediful.com, be deleted or modified to correct the defect and, regardless, the remainder of the terms of these Terms will remain valid and enforceable.

17. Opting out

You can opt out at any time from being contacted by us. Go to the contact page and out “ATTN: OPT-OUT” in the subject line. We will remove your information after that point.