1. Agreement Acceptance
Welcome to Credo. This User Agreement (“Agreement”) applies between Credo and any person who visits the Credo website, registers an account, applies for a loan, uses Credo services, or communicates with Credo (“user,” “you,” or “your”).
By accessing or using Credo, you agree to this Agreement, the Loan Agreement, the Privacy Policy, and any product-specific disclosure shown to you before you use a service or accept a loan offer.
2. Eligibility
You must be legally capable of entering into binding agreements and using the services. You agree to provide true, complete, and current information during registration, verification, and loan application.
3. Account Registration and Security
You are responsible for protecting your account, password, one-time passwords, device, and any login or verification credentials. You must promptly report suspected unauthorized access, misuse, or account compromise through the official support channel.
4. Credo Services
Credo may provide digital loan product information, account registration, application submission, eligibility review, offer display, loan confirmation, disbursement support, repayment reminders, customer service, promotional communication, and other related services.
Submission of an application does not guarantee approval. Credo may approve, reject, cancel, reduce, suspend, or adjust product access based on verification, risk assessment, legal requirements, business rules, and user conduct.
5. User Conduct and Restrictions
You agree not to misuse Credo services. Prohibited conduct includes providing false information, impersonating another person, attempting to bypass system controls, using the service for illegal purposes, interfering with security functions, or infringing the rights of others.
6. Consent to Service Communication
When permitted by law and based on your consent or service relationship, Credo may send account notices, reminders, security alerts, support messages, and service or promotional communications through app notifications, SMS, email, Viber, or phone call.
You are responsible for keeping your registered contact details accurate and up to date.
7. Data Privacy
Your use of Credo is subject to the Privacy Policy. By using the service, you acknowledge that personal information may be processed for account administration, identity verification, credit assessment, security, product servicing, payment processing, compliance, and other legitimate purposes described in the Privacy Policy.
8. Disclaimers and Limitation of Liability
Credo makes reasonable efforts to keep the service available and accurate, but does not guarantee uninterrupted access, error-free operation, or approval of any application. To the maximum extent allowed by law, Credo will not be liable for indirect or consequential losses arising from service interruptions, user misuse, incorrect information provided by the user, or events beyond reasonable control.
9. Suspension or Termination
Credo may restrict, suspend, or terminate access to a service when necessary for security, fraud prevention, legal compliance, risk control, or violation of this Agreement. Certain obligations, such as repayment duties and lawful record retention, may continue after account closure.
10. Updates to this Agreement
Credo may revise this Agreement from time to time to reflect changes in product features, operations, or legal requirements. The version made available through the website or app will serve as the current reference version.
11. Governing Law and Support
This Agreement shall be governed by the laws of the Republic of the Philippines, unless otherwise required by applicable law.
For account, product, or support concerns, please use the official Credo in-app customer service channel or any official support contact published within the Credo service.