Terms of service

Who you are contracting with

The service is provided by CreditConfirm Technologies Inc., a company established in British Columbia, Canada, trading as CreditConfirm (“CreditConfirm”, “we”, “us”). By creating an account, sending a credit application, or otherwise continuing to use the service, you agree to these terms. If you are using the service for an organization, you confirm you have authority to bind that organization; if you are using it as an individual, you confirm you are of legal age to enter a contract.

What the service does

CreditConfirm is workflow software for vendors granting trade credit. It lets you collect online credit applications, request bank confirmations from your applicant’s financial institution with that applicant’s written authorization, and request trade reference checks from suppliers your applicant nominates.

We are not a bank, lender, credit bureau, collection agency or audit-confirmation service, and we do not make credit decisions. Information surfaced through the service, including any scorecard or verification signal, is provided to support your own assessment. The decision to grant, refuse, vary or withdraw credit is yours alone, and you are responsible for it.

Your account

You must give accurate registration information and keep it current. You are responsible for keeping your credentials confidential and for all activity under your account. Tell us promptly at support@creditconfirm.ca if you believe your account has been compromised.

Licence and restrictions

We grant you a limited, non-exclusive, non-transferable right to use the service for your own internal credit operations, within the plan or purchases you have made. You must not resell or redistribute the service, reverse engineer it, or circumvent its technical or usage limits.

Acceptable use

You must not misuse the service. In particular, you must not:

• use it for any unlawful purpose, or in breach of privacy, consumer-protection or credit-reporting law;
• send a bank confirmation or trade reference request without a valid, current authorization from the business being checked;
• use it for fraud, spam, harassment, or to send unsolicited bulk messages;
• infringe anyone's intellectual property or other rights;
• interfere with the security or integrity of the service, including through malware, probing, penetration testing without consent, scraping, or attempts to access another organization's data.

You are responsible for the lawfulness of each request you send, the accuracy of the recipient details you enter, and your handling of the information you receive back.

Responders are voluntary participants

Financial institutions, authorized signers and trade references are never charged and are not required to have an account. They may decline to respond, or may limit what they disclose, under their own policies and applicable law. We do not guarantee that any response will be received, or that a response will be complete or accurate.

Your content

You keep ownership of the information you and your applicants submit. You grant us a limited licence to host, process and transmit it solely to provide the service to you, including generating documents and delivering requests to the recipients you name.

Our intellectual property

We retain all rights in the service, including its software, document templates, questionnaires, documentation and branding. Nothing in these terms transfers any of those rights to you.

Payment, billing and cancellation

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

Payment, billing frequency, renewal, taxes, cancellation and refund mechanics are governed by Paddle’s Buyer Terms. Our own refund commitment is set out in our refund policy. Prices are shown in Canadian dollars unless stated otherwise, and applicable sales taxes are calculated at checkout. Pay-per-check purchases are charged when you buy them; subscriptions renew for successive periods until cancelled.

Service levels and warranties

We work to keep the service available and accurate, but we do not guarantee that it will be uninterrupted, timely, secure or error-free. To the fullest extent permitted by law, the service is provided “as is” and we disclaim all implied warranties, including merchantability and fitness for a particular purpose.

Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, consequential or special damages, including lost profits, lost business, credit losses, bad debt, loss of data or loss of goodwill. Our total aggregate liability arising out of or relating to the service is limited to the amounts you paid us in the twelve months before the event giving rise to the claim. Nothing in these terms excludes liability for fraud, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

Indemnity

You will indemnify us against claims, losses and reasonable costs arising from the information you submit, your use of the service in breach of these terms, or your unlawful use of information obtained through the service.

Suspension and termination

We may suspend or terminate your access for material breach of these terms, non-payment, security or fraud risk, or repeated or serious policy violations. Where practical we will give notice first. You may stop using the service at any time; pay-per-check purchases are not tied to any commitment.

After termination you will have a reasonable period, normally 30 days, to export your records, after which we may delete or anonymise them subject to our retention obligations.

Changes to these terms

We may update these terms as the service develops. Material changes will be notified by email or in the application. Continued use after a change takes effect means you accept the updated terms.

General

These terms are governed by the laws of British Columbia, Canada, and the courts of that province have exclusive jurisdiction over any dispute. You may not assign this agreement without our consent; we may assign it as part of a merger, acquisition or sale of assets. Neither party is liable for delay or failure caused by events beyond its reasonable control. If any provision is found unenforceable, the rest remains in effect.

Questions about these terms: support@creditconfirm.ca.