Terms and Conditions
Effective Date: 2/01/25
Welcome to CredixChain (“we,” “us,” or “our”). By accessing or using our website and services, you agree to be bound by the following terms and conditions (“Terms”). Please read them carefully.
1. Eligibility
To use CredixChain, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using this platform, you confirm that all information provided is accurate and truthful.
2. Services Offered
CredixChain provides personal loan facilitation through digital platforms, powered by blockchain infrastructure. All loans are subject to approval and availability. Terms, limits, and eligibility criteria may vary.
3. No Guarantee of Loan Approval
Submission of an application does not guarantee loan approval. Approval is subject to internal review and compliance checks. CredixChain reserves the right to deny applications without explanation.
4. Digital Wallet Use
To receive funds, users may be required to create or link a digital wallet (such as Coinbase Wallet). CredixChain is not responsible for issues arising from third-party platforms, including wallet errors, blockchain congestion, or lost funds.
5. Payment & Fees
Users may be required to pay processing or service fees depending on the loan amount and structure. All fees are disclosed before payment. Once paid, fees are non-refundable unless explicitly stated otherwise.
6. User Conduct
Users agree to:
Provide accurate and complete information;
Not engage in any fraudulent, abusive, or harmful behavior;
Refrain from interfering with the platform’s security or functionality.
Violations may result in immediate suspension or permanent termination of access.
7. Refunds and Chargebacks
Due to the nature of our services, all payments made are final. We do not offer refunds except under extreme, reviewed circumstances. Unauthorized chargebacks will be investigated and may lead to account bans.
8. Limitation of Liability
CredixChain is not liable for indirect, incidental, or consequential damages resulting from your use of the platform. All services are provided "as is" with no warranties or guarantees of any kind.
9. Privacy
We respect your privacy. All user data is handled in accordance with our [Privacy Policy] and never shared with third parties without consent unless required by law.
10. Modifications
We reserve the right to modify these Terms at any time. Continued use of the platform after changes means you accept the revised terms.
11. Governing Law
These Terms shall be governed by the laws of the United States Of America.
By using our services, you acknowledge that you have read, understood, and agreed to these Terms.