1. Introduction

Welcome to Credello.com. The following terms and conditions (“Terms”) shall govern your use of all content, material, data and information made available by, accessed, downloaded or otherwise received by you directly or indirectly from the financial recommendations platform available online at www.credello.com (“Credello®”), operated and provided by iQuanti, Inc. (“iQuanti”). iQuanti and Credello shall sometimes be also referred to collectively as “we”, “us” and “ours”. iQuanti and you shall sometimes be referred to herein individually as a “Party” and collectively, the “Parties.”

These Terms constitute a legally binding user agreement, along with any and all applicable laws and regulations. Henceforth, you hereby acknowledge and covenant to abide by and comply with any applicable federal, state and local rules and regulations applicable to your use of our services. If you do not agree with any of these Terms, you are thereby prohibited from using or accessing our platform.

By accessing, viewing downloading or otherwise using Credello, including any content, material, data and information for yourself and on behalf of any person, organization, entity, or employer for which you are acting, you acknowledge that accessing, viewing, downloading or otherwise using Credello is subject to these terms, that you have read and understand these terms, that you agree to them and that you intend to be legally bound by them. If you do not agree to these terms, you are not granted permission to use Credello and must exit immediately.

Any personal information that you provide to iQuanti on or through Credello is subject to our Privacy Policy, which is incorporated into these Terms by reference as if set forth fully herein.

iQuanti can be contacted by email at [email protected] or telephone at +1 201-633-2125.

2. Services Provided

Credello is an online platform where users can browse, review and be redirected to quality financial products and services provided by third parties. Accordingly, iQuanti agrees to furnish its services to the visitors that browse Credello.

3. Access for the Platform

Access for our platform. Subject to the provisions of these Terms, iQuanti hereby grants you a single, limited, terminable, revocable, royalty-free, non-exclusive, nontransferable, non-sublicenseable license to access and use Credello solely for informational purposes. Any other use of Credello or Credello’s Materials (as defined below) without prior written permission of iQuanti is strictly prohibited.

Without limiting any other provisions of these Terms, Credello is the copyrighted work of iQuanti or its affiliates, or its or their licensors.

Feedback License. You hereby grant iQuanti an unlimited, non-exclusive, sub-licensable, assignable, royalty-free, perpetual, irrevocable, for all the countries and territories through the world, right and license to use, host, store, reproduce, modify, create derivative works (such as those resulting from translations, adaptations or other changes), communicate, publish, publicly perform, publicly display and distribute such any suggestions, feedback, recommendations.

4. iQuanti’s Proprietary Rights

You acknowledge that ownership of and title in and to all intellectual property rights, including patent, trademark, service mark copyright, and trade secret rights in the Credello platform and any other third party or Credello’s services, products or tangible results, including any including algorithms, techniques, graphics, text, data, ideas, software applications, computer programming, as well as any including any customizations, modifications or improvements to such materials (collectively, “Credello’s Materials”),developed or provided or duly licensed by or on behalf of iQuanti to you, whether developed independently by iQuanti or jointly with you or by you, are and shall remain exclusively with iQuanti.

Respective title holders may or may not be affiliated with us, and/or our affiliates, partners and advertisers. No section hereof shall be construed as intent to grant to you any right transfer or interest in Credello, in whole or in part.

All Credello’s Materials are protected pursuant to copyright, trademark, patent, and other applicable laws. You agree not to remove or alter any copyright notice or any other proprietary notice on any Credello’s Materials. As between any user and iQuanti, all names, trademarks, service marks, certification marks, symbols, slogans, or logos (the “Trademarks”) appearing on Credello are proprietary to iQuanti or its affiliates, licensors, or suppliers. Use or misuse of these Trademarks is expressly prohibited and may violate federal and state trademark law. Unless expressly written otherwise by iQuanti, you do not have any rights of any kind in or to Credello’s Materials other than the right to use Credello’s Materials in accordance with these Terms and you do not acquire any interest, right, or title in or to any work product associated with Credello.

iQuanti has developed its proprietary algorithm, which is used to provide recommendations and editorial opinions regarding financial services provided by third party sources not related to iQuanti. In view of the foregoing, Credello’s users ought to exercise their own good judgment regarding any and all recommendations, opinions and website links provided through the Credello platform. Always take into account that some or all of the content displayed in Credello is undertook by external third parties, and does not reflect iQuanti´s opinions, nor do iQuanti, its affiliates, subsidiaries, officers, employees and agents guarantee its actual veracity or make any endorsement thereof.

The images, texts, posts, information, photographs and other content and media displayed on or through Credello are sourced from publicly available sources, which may or may not necessarily available and any results therefrom – which we cannot ultimately control – are out of our ultimate and complete scope. Some or all of the images shown in Credello are licensed and/or purchased stock photos, and are only shown for illustration purposes.

Each user is solely responsible for the contents of their communications and may be held legally liable or accountable for the content of their comments or other material or information.

You acknowledge and agree that any and all infringing use or exploitation of copyrighted content in Credello may cause us, our affiliates, licensors or content providers irreparable injury, which may not be remedied solely at law, and therefore our affiliates, licensors or content providers may seek remedy for breach of these Terms, either in equity or through injunctive or other equitable relief.

5. Digital Millennium Copyright Act (‘DMCA’) Notice

In compliance with the DMCA, we inform you that iQuanti, Inc. is the Designated Copyright Agent for DMCA Takedown Notices and intellectual property rights infringement policing though Credello, which you may contact by email.

iQuanti takes copyright infringement matters seriously, and is ready to remove any allegedly or factually infringing content displayed of Credello upon due notice and request by the title holder.

6. Confidential Information

Confidential Information means any financial and/or business information that a Party discloses (the “Discloser”) to the other Party (the “Recipient”) in connection with these Terms, regardless of the form or manner in which the information is disclosed or learned, including iQuanti’s algorithms, techniques, code (object and source), documentation (including manuals, training materials, and presentations), functionality, inventions, specifications, improvements, developments, applications, know-how, the Credello platform, customer names and information, trade secrets, and/or ideas.

Recipient may use Confidential Information of the Discloser only for the purposes of exercising Recipient’s rights and fulfilling Recipient’s obligations under these Terms. Recipient shall use the same degree of care, but no less than a reasonable degree of care, to protect against the unauthorized disclosure or use of Discloser’s Confidential Information as it uses to protect its own confidential information of a similar type. Recipient shall disclose Confidential Information of Discloser only to its employees or independent contractors who have a need to know for the above stated purpose, and who are bound by obligations of confidentiality no less restrictive than these Terms.

Recipient’s obligation under these Terms to treat information as Confidential Information does not apply to information that: (i) is already known to Recipient at the time of disclosure and was not obtained, directly or indirectly, from Discloser; (ii) is independently developed by Recipient without reference to or use of the Discloser’s Confidential Information; (iii) is obtained by Recipient from another source without a breach of any obligation of confidentiality owed by that source to Discloser; or (iv) is or becomes part of the public domain through no wrongful act of Recipient or any party that obtained the information from Recipient.

If Recipient is served with a subpoena or other legal process, court, or governmental request or order requiring disclosure, or is otherwise required by law or securities exchange requirement to disclose, any of Discloser’s Confidential Information, Recipient shall, unless prohibited by law, promptly notify Discloser of that fact and cooperate fully (at Discloser’s expense) with Discloser and its legal counsel in opposing, seeking a protective order, seeking to limit, or appealing the subpoena, legal process, request, order, or requirement to the extent deemed appropriate by Discloser. Recipient may comply with the subpoena or other legal process or requirement after complying with the foregoing sentence, but only to the extent necessary for compliance.

7. Unauthorized Activities

You agree that you will not (a) use Credello for any illegal or unauthorized purposes that violate any local, state, national, or international laws (including import, export, copyright, and trademark laws); (b) use Credello for modifying, copying, distributing, translating, displaying, performing, reproducing, publishing, licensing, creating derivative works from, transferring, or selling any of the Credello’s Materials, unless otherwise authorized by these Terms or in a separate written agreement with iQuanti; (c) use Credello for attempting to gain unauthorized access to iQuanti’s computer system or engaging in any activity that interferes with the performance of, or impairs the functionality of, Credello or any services provided through Credello; (d) use Credello for removing, circumventing, disabling, damaging, or otherwise interfering in any way with any security-related features of Credello aimed at preventing or restricting the unauthorized use of Credello or any of the Credello’s Materials; (e) create any link to Credello or frame or mirror any content contained in or accessible from Credello or otherwise transfer, assign, export, or sublicense Credello to any other person, organization or entity, including through rental, timesharing, service bureau, subscription, hosting, or outsourcing; (f) reverse engineer, de-compile, disassemble or otherwise attempt to discover the source code or underlying ideas or algorithms of Credello;; and/or (g) access Credello in order to: (i) build a product or service that competes with Credello, or (ii) copy any ideas, features, functions or graphics of Credello.

For purposes of clarification, the aforementioned actions will include the use of persons, site search/retrieval applications, software ‘robots’ and ‘spiders’ and any analogous data gathering and extraction tools, regardless of the type and amount of information intended for extraction,

You acknowledge and agree that the unauthorized use of Credello or the Credello’s Materials could cause irreparable harm to iQuanti and that, in the event of such unauthorized use, iQuanti shall be entitled to an injunction in addition to any other remedies available at law or in equity.

8. Affiliate Marketing Terms

We do not directly process any kind of actual or final or pre-purchases for any products or services. All products and services referenced on Credello, whether tangible or intangible, are provided by third party sources not related to Credello. The links placed by iQuanti on Credello will redirect you to their platforms, where you will be able to finish any transaction.

Such third parties have enacted their own terms of use, user agreements and privacy policies, which will govern their provision of services to you in respect to the information we are required to provide to them for your purchase-related transactions. For these providers, we also recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by these providers.

Credello does not warrant that any of the materials on its website or any third party affiliate marketing landing page or website or product or service are accurate, complete or current. Credello does not make any commitment to update the aforesaid materials. Credello will not undertake any efforts to ensure that the indicated interest rates, APR, fees and other eligibility requirements, along with regulatory compliance, legality and/or descriptions of third party products and services are true, accurate, updated and/or correct, and Credello cannot fully guarantee such information.

Accordingly, the products and services referenced via Credello may or will be discontinued, and their specifications, availability, eligibility and any the indicated interest rates, APR, fees and other eligibility requirements will be subject to change at any time, without prior notice and without any responsibility on behalf of Credello. Credello does not make any representation or warranty regarding subjective elements of the products referenced via Credello.

9. E-Sign Disclosure and Consent to Electronic Communications

When you request a loan quote or submit a loan inquiry through Credello, in order for Credello to connect you with lenders who it works with, we must obtain your consent to respond to an inquiry electronically. Please read our E-consent disclosure.

10. Disclaimer

iQuanti and its subsidiaries, affiliates, and licensors are not responsible for and do not guarantee the accuracy or completeness of any Credello’s Materials, products, data, services, links, advertisements, or other items contained within Credello. You agree that you must evaluate and bear all risks associated with the use of Credello’s Materials and that you may not rely on such Credello’s Materials.

Credello, any content, services, products, information, data, and other materials on, in, and made available through Credello are made available “as is” and “with all faults.” use of Credello is entirely at your own risk. iQuanti and its licensors make no representations or warranties and disclaim all representations and warranties with respect to Credello, any of iQuanti´s services, products, information, data, and other materials on, in, and made available through Credello, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. iQuanti and its licensors and suppliers do not warrant that Credello or other products or services will be uninterrupted, secure, accurate, timely, virus-free, or error free; nor do they make any warranty as to the results that may be obtained from use of Credello or other products or services. The entire risk as to satisfactory quality, performance, accuracy, completeness, and effort with regard to any and all products or services of iQuanti, Credello´s Content, services, products, information, data, and other materials on, in, and made available through Credello is with you.

You understand that the use of Credello may involve the transmission of your data over the Internet and over various networks, only part of which may be owned or operated by iQuanti, and that iQuanti takes no responsibility for data that is lost, altered, intercepted, or stored without your authorization during the transmission of any data whatsoever across networks except to the extent caused by iQuanti’s negligence or willful misconduct.

11. Specific Disclaimer

Neither iQuanti nor its affiliates, licensors, owners, subsidiaries, brands or advertisers are a professional advisor in any industry. The functionalities and results displayed within Credello may or will vary, without prior notice or without any notice at all; and will depend on a variety of factors out of the control of iQuanti. Your use of the Credello’s Materials, the services, products, information, and other materials on, in, and made available through Credello is entirely at your own risk, for which we shall not be held liable.

iQuanti is not a financial services entity, bank, lender, credit card issuer, money services business, money transmitter and/or issuer of currency, nor does it create any kind of units of convertible virtual currency. For the avoidance of doubt, iQuanti does not offer any service that entails the actual exploitation of legal tender currency.

iQuanti is not a credit bureau, credit reporting entity or any type of credit worthiness or credit debt restructuring entity. These Terms, along with any and all content and services offered by iQuanti, are only informational documents provided for your reference and reference purposes only, and cannot be construed as any form of guarantee that any mentioned results will be achieved. Your use of any information and/or materials of Credello is entirely at your own risk, for which we shall not be held liable. Because there is no way to know all information about your finances or your personal situation, comments or analyses may be incomplete or inaccurate.

Our platform may provide reference on financial topics which include, but are not limited to, debt consolidation product recommendations, personal loans, credit cards, credit history, credit card history, debt settlement, student loan forgiveness, credit card debt forgiveness and other topics which may be of interest to our users, which are only intended to illustrate hypothetical performance of various financial strategies based on a variety of factors and is not meant to imply actual performance or results.

Our analysis may mention APR/ interest rates, origination fee and other loan terms, all of which are estimated ranges and are not guaranteed; actual rates and fees will vary for every individual and will depend on multiple individual factors including but not limited to individual credit worthiness.

Part or all of the analysis may not include taxes or fees, which can have a material impact, which will lower the actual terms and conditions.

Our platform provides good faith recommendations, thus, such recommendations do not constitute a personal recommendation or investment advice or professional opinion, are not binding, and have not considered all of the specific circumstances, metrics or objectives of our clients and users.

In addition to the risks mentioned in this agreement and in any documentation, there may be additional risks that iQuanti cannot predict.

Each decision made by our users regarding the execution of financial actions or orders and the assessment as to whether an action or movement is appropriate or proper for such user is an independent decision made by the user himself.

Henceforth, each of our users hereby represents, warrants, covenants and agrees that iQuanti has no fiduciary duty and no liability in connection therewith and is not responsible for any liabilities, claims, damages, costs and expenses, including attorneys’ fees, incurred in connection with such user applying the trading recommendations provided in Credello or taking or not taking any action based upon any recommendation or information or content provided by iQuanti.

12. Limitation of Liability

IQuanti and its licensors shall not be liable for any direct, indirect, special, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatsoever, including lost revenues or lost profits, which may or do result from the use of, access to, or inability to use Credello, any services, content, products, data, and other materials on, in, and made available through Credello, regardless of legal theory, whether or not you or iQuanti had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose.

Under no circumstances will the total liability of iQuanti and its licensors to you or any other person or entity in connection with, based upon, or arising from Credello, in, and made available through Credello, or the services, products, data, or other materials offered in connection with Credello exceed the price paid by you during the preceding year for use of Credello, or $50, whichever is greater.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to, and henceforth this limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

If you are dissatisfied with Credello or with any of these Terms, or feel iQuanti has breached these Terms, your sole and exclusive remedy is to discontinue using Credello.

13. Indemnification

You shall indemnify iQuanti and its directors, officers, employees, agents, contractors, and licensors (“iQuanti’s Indemnitees”) against all claims, actions, suits, and other proceedings (“Claims”) arising out of or incurred in connection with Credello and your use of Credello, the Credello’s Materials, or any services, product or data obtained through Credello, your fraud, violation of law, negligence, willful misconduct, or any other use of Credello, the Credello’s Materials, the services, products, information, and other materials on, in, and made available through Credello (except to the extent attributable to iQuanti), or any breach by you of these Terms, and you shall indemnify and hold iQuanti’s Indemnitees harmless from and against all judgments, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees and attorneys’ disbursements) arising out of or incurred in connection with such Claims.

You may not settle any Claim without the prior written consent of iQuanti. iQuanti or its licensors may assume the defense of any Claim, at your sole cost and expense, and you shall cooperate in all reasonable respects in such defense. You shall have the right to employ separate counsel in any Claim and to participate in the defense thereof. If iQuanti or its licensors do not notify you that it elects to undertake the defense thereof, you shall have the right to defend the Claim with counsel reasonably acceptable to iQuanti, subject to the right of iQuanti to assume, at its sole cost and expense, the defense of any Claim at any time prior to the settlement or final determination thereof.

14. Changes to these Terms; Termination

iQuanti reserves the right at any time to modify, alter, or update these Terms. We will notify you of any new or revised Terms by updating the Terms of Credello including information regarding the location of the new or revised terms and conditions. Your use of Credello following any changes means that you agree to follow and be bound by the Terms as changed. iQuanti may suspend or terminate your account and/or your ability to use Credello or any services on Credello for failure to comply with these Terms, for providing iQuanti with untrue or inaccurate information about yourself, for infringement upon iQuanti’s proprietary rights, or for any other reason whatsoever or for no reason.

Either Party may, by written notice to other Party, terminate these Terms, in whole or in part, in the event that the other Party: (a) materially breaches these Terms and such breach is incapable of cure or, with respect to a material breach capable of cure, the other Party does not cure such breach within thirty days after receipt of written notice of such breach; or (b) terminates or suspends its business activities, becomes insolvent, undertakes liquidation, admits in writing its inability to pay its debts as they mature, makes an assignment for the benefit of creditors, becomes subject to direct control of a trustee, receiver, or similar authority, or becomes subject to any bankruptcy or insolvency proceeding under federal or state statutes.

Upon the termination or expiration of these Terms, you shall immediately cease using Credello.

15. Governing Law, Dispute Resolution and Jurisdiction

These terms, and all matters related thereto, shall be governed exclusively by the laws of the State of New Jersey, without regard to conflicts of laws provisions provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms of the applicability of one or more sections of the law.

16. Force Majeure

Notwithstanding anything to the contrary in these Terms, except for your obligations to pay amounts due under these Terms, neither Party will be deemed to be in default of any provision of these Terms for any delay, error, failure, or interruption of performance due to any act of God, terrorism, war, insurrection, riot, boycott, strike, or other labor or civil disturbance, interruption of power service, interruption of communications services, problems with the Internet, epidemic, government mandated lockdowns, act of any other person not under the control of such Party, or other similar cause. The Party subject to any of the foregoing events shall give the other Party reasonable written notification of any resulting material or indefinite delay.

17. Hotjar

We use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device’s IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and preferred language used to display our Site. Hotjar stores this information in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see Hotjar’s privacy policy You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our Site and Hotjar’s use of tracking cookies on other websites by following the directions found here.

18. Miscellaneous

No Representation. Credello is controlled and operated from within the United States of America. Without limiting anything else, iQuanti makes no representation that Credello, Credello’s Materials, services, products, information, or other materials available on, in, or through Credello are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access Credello from other locations do so of their own volition and are responsible for compliance with applicable laws.

Survival. The following provisions of these Terms will survive expiration or termination of these Terms: Sections 3-5, 7, 8, 10, 12, and 14.

No Relation. iQuanti and you are each independent contractors and neither Party shall be, nor represent itself to be, the franchiser, partner, broker, employee, servant, agent, or legal representative of the other Party for any purpose whatsoever.

No Representation. Neither Party is granted any right or authority to assume or create any obligation or responsibility, express or implied, on behalf of, or in the name of, the other Party, or to bind the other Party in any manner or thing whatsoever.

Assignment. You may not sublicense, assign, or transfer these Terms, or any rights and obligations under these Terms, in whole or in part, without iQuanti’s prior written consent. Any attempted assignment in violation of this Section shall be void. Notwithstanding the foregoing, these Terms shall be binding upon, and inure to the benefit of, the permitted successors and assigns of each Party.

Entire Agreement. These Terms constitute the complete and exclusive statement of the agreement between the Parties with respect to the subject matter of these Terms, and these Terms supersede any and all prior oral or written communications, proposals, representations, and agreements. The Terms may be amended only by mutual agreement expressed in writing and signed by both Parties, and any attempted amendment in violation of this Section shall be void.

No Waiver. The waiver or failure of either Party to exercise in any respect any right provided under these Terms shall not be deemed a waiver of such right in the future or a waiver of any other rights established under these Terms.

Severability. These Terms do not and are not intended to confer any rights or remedies upon any person other than the Parties. Should any term or provision of these Terms be held to any extent unenforceable, invalid, or prohibited under law, then such provision shall be deemed restated to reflect the original intention of the Parties as nearly as possible in accordance with applicable law and the remainder of these Terms.

Interpretation. When used herein, the words “includes” and “including” and their syntactical variations shall be deemed followed by the words “without limitation”. The titles of paragraphs in these Terms are shown only for ease of reference and will not affect any interpretation therefrom.

User’s Representations and Warranties. You hereby represent, warrant and covenant that: (i) your use of Credello, and all your uploaded and used data shall be at all times compliant with these Terms and all local, state, federal and international laws and regulations applicable to you and your organization; (ii) you have obtained all necessary rights, releases and permissions to provide any data to iQuanti and its affiliates, licensors and agents; and to grant the rights granted to iQuanti in these Terms, including without limitation any intellectual property rights or rights of publicity, privacy and any use, collection and disclosure authorized.

Remedies. You hereby acknowledge and agree that if these Terms are not specifically enforced, iQuanti will be irreparably damaged, and therefore you agree that iQuanti shall be entitled, without bond, other security or proof of damages, to appropriate equitable remedies with respect to your breach of any of these Terms, in addition to any other available remedies.

These Terms may be executed in counterparts, each of which shall be deemed an original, but all of which together shall be deemed to be one and the same agreement. A signed copy of these Terms delivered by facsimile, email or other means of electronic transmission shall be deemed to have the same legal effect as delivery of an original signed copy of these Terms.

Date of last effective update is November 14, 2022.

Copyright © 2020 iQuanti, Inc. All rights reserved.

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