Skip to main content
Credda
Sign up

Terms of Service

Last updated 6 August 2026

Terms of Service

Last updated: 6 August 2026 Provider: Credda, Inc. ("Credda", "we") Contact: legal@credda.io

1. What these terms cover

These terms govern your use of Credda: the website at credda.io, the developer platform at api.credda.io, the API, the embeddable badge, and everything we provide alongside them (the "Service"). By creating an account, calling the API, or confirming a commitment, you agree to them.

If you're agreeing on behalf of a company, you confirm you're authorised to bind it, and "you" means that company.

2. Where Credda is offered

Credda is currently offered only to users in the United States, and is hosted in the United States. We don't offer the Service to, or direct it at, people in the United Kingdom, the European Union or the EEA, and you shouldn't use it from there.

3. Who can use Credda

You must be at least 18 and legally able to enter a contract. You must give accurate account information and keep it current. You're responsible for what happens under your account, including keeping your credentials safe.

4. What Credda does, and what it does not

Credda records commitments (things you agreed to do) and whether they were kept. From that record we calculate a reliability score using a published, deterministic formula.

Two things follow, and they matter:

  • We do not verify the underlying truth of every event. We record what platforms report and what counterparties confirm. Confirmation by two parties is a strong signal; it is not a guarantee, and we do not act as an escrow, guarantor, insurer, or arbiter of the underlying deal.
  • Your score is not advice, and it is not a promise about anyone. It is a description of a recorded history. Decisions taken because of it are the decision-maker's own.
  • We do not offer any way to look you up. There is no product, endpoint or arrangement, paid or otherwise, that lets an employer, platform or anyone else retrieve your record because they know who you are. A platform can only read a subject it already has a relationship with in our records, and that limit is enforced in the software, not by policy alone. Everyone else sees exactly what you chose to share, through a link you can revoke at any time.

This is a commitment about what we build, not only a restriction on our customers. Section 8 governs what an integrator may do; this governs what we will sell them.

5. Your content

You keep ownership of what you submit: commitments, evidence, attachments, messages. You grant us a licence to host, process and display it as needed to run the Service, including showing what you choose to make public on your profile, badge, or a credential you share.

You must not upload anything unlawful, infringing, or that you have no right to share.

6. The record, and why it persists

Credda's value depends on a record that can't be quietly rewritten. So:

  • Events are append-only. Corrections happen by adding a correcting record (for example a resolved dispute), not by deleting history.
  • A commitment involves two parties. Closing your account does not erase the other party's record of an agreement they made with you.
  • Where we retain events after account closure, we do so in pseudonymous form. See the Privacy Policy.

7. Scores, disputes and corrections

  • Your score is generated automatically. No Credda employee can raise or lower it by hand, and we won't do so at anyone's request, including yours, and including a paying platform's.
  • If a record is wrong, dispute the event. If the dispute resolves in your favour, your score recalculates automatically from the corrected record.
  • We may correct genuine errors in our own data or formula. Formula changes are versioned and published.

If you run an organization on Credda, it has a record of its own, built only from work delivered on its behalf. It is never an average of your staff's personal scores, and no employee's score is an input to it.

  • A success is recorded only when the client who received the work confirms it. We ask them; we do not decide for them. If they never reply, nothing is recorded, and your record simply stays as it was.
  • A missed deadline on a commitment your client had accepted is recorded without a further confirmation, because the fact being recorded is that an agreed date passed undelivered. It counts as unverified, so it can never make the record look better-evidenced.
  • A dispute reaches the record only if our deterministic engine upholds it. A dispute that is merely raised is never recorded, so one dissatisfied client cannot mark a company by filing.

These records are about businesses, not consumers, and the consumer protections described elsewhere in these terms are unaffected by them.

8. Permitted and prohibited uses (platforms, read this)

If you integrate Credda, you agree that you will not use a Credda score, credential or API response as a factor in any decision about:

  • credit, lending, or insurance eligibility or pricing;
  • employment, including hiring, promotion, retention or reassignment;
  • housing or tenancy; or
  • any other purpose that would make Credda a "consumer reporting agency" under the US Fair Credit Reporting Act.

We may ask you to confirm in writing how you use Credda data, and we may suspend access if you can't or won't.

You also agree not to: submit events you know to be false; coordinate with others to inflate a score; scrape or resell scores in bulk; attempt to re-identify pseudonymous records; or interfere with the integrity or availability of the Service.

We may suspend or terminate access for breach of this section, and we may remove events obtained in breach of it.

9. API keys and platform accounts

API keys are issued to you and must be kept secret. You're responsible for calls made with your keys. Keys carry scopes and rate limits; we may change limits with notice. We may revoke a key immediately if we believe it's compromised or being misused.

10. Fees

Plans and limits are shown at credda.io/pricing. Those prices are the prices we charge.

Paid plans are subscriptions billed monthly in advance through Stripe, who process the payment and hold your card details. We never see or store your full card number. A plan starts when you complete checkout, renews automatically each month until cancelled, and is charged to the payment method on file.

You can cancel, change plan or update your card at any time from billing management in your account, which opens Stripe's customer portal. Cancelling stops future renewals; it does not refund the current period, and your plan stays active until that period ends. Prices are exclusive of any tax we are required to collect.

The free tier is genuinely free and needs no card. A paid plan never changes anyone's reliability score, and no plan can be used to alter, remove or influence a score. See section 8.

Some plans are not sold through checkout and are agreed with us directly, including Enterprise API access. Where that applies, the terms of that written agreement govern billing period, renewal, taxes, refunds and what happens on non-payment, and they take precedence over this section.

Organisation plans are bought by an organisation owner and billed to the organisation. Whoever completes that checkout confirms they are authorised to commit the organisation to the charge.

If we change a price, we will give notice before it applies to an existing subscription.

11. Availability

We work to keep Credda available, but we don't promise uninterrupted service, and we may change or discontinue features. We don't currently offer a service level agreement; if you need one, contact us.

12. Warranties and liability

The Service is provided "as is". To the fullest extent the law allows, we exclude implied warranties, and we are not liable for indirect or consequential loss, lost profits, or loss of business.

To the fullest extent the law allows, our total liability arising out of or relating to the Service is limited to the greater of (a) the amounts you paid us for the Service in the twelve months before the claim, and (b) one hundred US dollars ($100).

Nothing here excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

13. Suspension and termination

You may close your account at any time from Settings. We may suspend or terminate access if you breach these terms, if we're required to by law, or if continuing would create a serious risk to the Service or its users. Sections 4, 5, 6, 8, 12 and 14 survive termination.

14. Governing law and disputes

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, and the state and federal courts located in Delaware have exclusive jurisdiction.

Nothing in this section takes away any right you have to bring a claim in your home state where the law gives you that right and it cannot be waived.

15. Changes

We may update these terms. For material changes we'll give notice (by email or in the product) before they take effect. Continuing to use Credda after that means you accept the updated terms.

Questions: legal@credda.io