Terms of Service

1. Introduction

Welcome, and thank you for choosing our mobile application (the "App"). These Terms of Service (the "Terms") outline how you may use the App and the rules that apply to your account. By installing or using the App, you agree to follow these Terms. If you do not accept them, you should stop using the App immediately. We may occasionally update these Terms. Any changes will be published within the App and marked with the latest "Last Updated" date. Your continued use of the App after updates will be treated as acceptance of the revised Terms.

2. Eligibility to Use the App

You may use the App only if:
- You are at least 18 years old, or have reached the age of legal majority in your region.
- You are legally capable of entering into binding agreements.
- If you are registering on behalf of an organization, you have the proper authority to bind that entity.

3. Creating and Managing Your Account

Some parts of the App require an account. When creating one, you agree to:
- Provide accurate and current information.
- Keep your login details secure and confidential.
- Keep your login details secure and confidential.
You are responsible for all activities carried out through your account. We are not responsible for any damages caused by your failure to secure your account.

4. 3. Our Services

The App gives you access to a set of digital financial features, which may include:
- Viewing and monitoring credit information
- Tracking spending and account history
- Uploading and storing financial documents safely
We may expand, update, or remove features at our discretion without prior notice.

5. Your Responsibilities

When using the App, you agree to:
- Use the App only for lawful purposes.
- Follow all relevant laws and regulations.
- Respect applicable laws and regulations.
- Avoid interfering with the App’s functionality or other users’ experience..
Failure to comply may lead to suspension or closure of your account.

6. Prohibited Conduct

You must not use the App to:
- Commit fraud, abuse, or unlawful activity.
- Spread malware or harmful content.
- Attempt to gain unauthorized access to accounts, systems, or data.
- Copy, alter, or reverse-engineer the App’s technology.
- Harass, exploit, or harm other users..
We may suspend or terminate accounts that violate these rules and may take further legal action where appropriate.

7. Privacy

Your use of the App is subject to our Privacy Policy, which explains how your information is collected, used, and safeguarded. By using the App, you consent to these practices.

8. Limitation of Liability

As far as permitted by law, neither we nor our affiliates will be responsible for:
- Indirect or incidental damages.
- Loss of income, business opportunities, or data.
- Service delays, interruptions, or technical errors outside our control.
The App is provided "as is" and "as available," without guarantees of uninterrupted or flawless performance.

9. Suspension or Termination

We may suspend or permanently close your account if you break these Terms, misuse the App, or engage in unlawful activity. You may also choose to close your account at any time. Certain records may be retained if required by law.

10. Updates to These Terms

We may revise these terms when necessary. The most current version will always be accessible in the App. Continued use after changes means you agree to the updated Terms.

11. Contact Information

If you have any questions about these terms, please reach out to us at:
📧 support@navi-credit.com