Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Creditfern website at creditfern.com and any related services provided by Creditfern, Inc. ("Creditfern," "we," "us," or "our"). By accessing our website, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

2. Description of Services

Creditfern provides AI-powered credit decisioning software for community banks and credit unions to evaluate small business loan applications. Access to the Creditfern platform requires a separate enterprise agreement. This website provides information about our services, company, and thought leadership content.

3. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Creditfern or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

4. Permitted Use

You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website or its systems
• Transmit any harmful, offensive, or disruptive content
• Use automated tools to scrape, crawl, or extract data from the website without permission
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

5. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. Creditfern does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of Liability

To the fullest extent permitted by law, Creditfern shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website or its content.

7. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Mecklenburg County, North Carolina.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a revised date. Your continued use of the website after any changes constitutes acceptance of the modified Terms.

11. Contact Information

Questions about these Terms may be directed to:

Creditfern, Inc.
550 South Tryon Street, Suite 1800
Charlotte, NC 28202
Email: [email protected]
Phone: +1 (704) 555-0148