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Creditwise

Terms of Service (TOU)

Section 2 — Terms of Service (TOU)

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2.1   Acceptance of Terms

2.2   Eligibility

2.3   Account Registration and Security

2.4   Description of Services

2.5   Permitted Use and Restrictions

2.6   Financial Information Disclaimer

2.7   Subscription and Fees

2.8   Intellectual Property

2.9   Privacy

2.10 Disclaimers of Warranties

2.11 Limitation of Liability

2.12 Indemnification

2.13 Dispute Resolution and Arbitration

2.14 Termination

2.15 Changes to Terms

2.16 Contact Information

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Effective Date: June 20, 2026

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Please read these Terms of Service ("Terms") carefully before using the CreditWise mobile application and related services. These Terms constitute a legally binding agreement between you and CreditWise.

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2.1 Acceptance of Terms

By downloading, installing, accessing, or using the CreditWise application ("App") or any associated services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must immediately cease using the App and uninstall it from your device.

Your acceptance of these Terms also constitutes your agreement to receive service-related communications from CreditWise, including account alerts, security notifications, and service announcements. These communications are necessary for the provision of the Services and are not subject to marketing opt-out.

 

2.2 Eligibility

To register for and use CreditWise, you must meet all of the following eligibility criteria:

  • You are at least 18 years of age;

  • You are a legal resident of the United States;

  • You are not a person or entity subject to sanctions administered or enforced by the U.S. Office of Foreign Assets Control (OFAC), the U.S. Department of State, or any other applicable governmental authority;

  • You have not previously been suspended or terminated from CreditWise for violation of these Terms; and

  • Your use of the App complies with all applicable laws and regulations.

By using the App, you represent and warrant that you meet all of the above eligibility requirements. CreditWise reserves the right to verify your eligibility at any time and to suspend or terminate your access if we determine that you do not meet these requirements.

 

2.3 Account Registration and Security

2.3.1 Accurate Information. When creating your CreditWise account, you agree to provide accurate, current, and complete information. You further agree to maintain and promptly update your account information to keep it accurate, current, and complete. CreditWise cannot guarantee the accuracy of identity information, and providing false information may constitute fraud.

2.3.2 Account Credentials. You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any biometric authentication settings. You agree to use a strong, unique password and to enable available security features such as two-factor authentication.

2.3.3 Unauthorized Access. You agree to notify CreditWise immediately at webheadcase@webheadcase.com upon discovering or suspecting any unauthorized access to your account or any other security breach. CreditWise will not be liable for any loss or damage arising from your failure to comply with this obligation.

2.3.4 One Account Per User. You may register only one CreditWise account per individual. Creating multiple accounts, whether using different email addresses or other methods, is prohibited and may result in termination of all associated accounts.

 

2.4 Description of Services

CreditWise provides the following features and services ("Services"):

  • ⚠ Important Service Scope Disclaimer

  • CreditWise does not provide credit monitoring and financial health information services only. CreditWise is NOT a credit repair organization as defined by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. CreditWise is NOT a lender, bank, mortgage broker, or creditor of any kind. CreditWise is NOT a credit counseling service or nonprofit credit counseling agency. We do not offer, originate, or facilitate loans, lines of credit, or any form of credit extension. We do not negotiate with creditors on your behalf.

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2.5 Permitted Use and Restrictions

2.5.1 Permitted Use. CreditWise grants you a limited, non-exclusive, non-transferable, revocable license to access and use the App for your own personal, non-commercial purposes in accordance with these Terms.

2.5.2 Prohibited Conduct. You agree not to:

  • Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App;

  • Use automated scripts, bots, scrapers, or other tools to access or extract data from the App;

  • Use the App for any illegal purpose, including but not limited to identity theft, fraud, or unauthorized access to third-party accounts;

  • Misrepresent your identity or provide false information in connection with your account;

  • Share, resell, or commercialize any credit report data or App content without our express written permission;

  • Interfere with or disrupt the App's servers, networks, or infrastructure;

  • Attempt to gain unauthorized access to any portion of the App or its related systems;

  • Upload, transmit, or introduce malicious code, viruses, or other harmful software into the App;

  • Use the App in any manner that could damage, disable, overburden, or impair its functionality; or

  • Violate any applicable local, state, national, or international law or regulation.

CreditWise reserves the right to investigate violations and take appropriate legal action, including without limitation, cooperating with law enforcement authorities.

 

2.6 Financial Information Disclaimer

⚠ Financial Disclaimer — Please Read Carefully

2.6.1 You should consult a qualified financial advisor, credit counselor, or attorney for advice specific to your financial situation.

 

2.7 Subscription and Fees

2.7.1 Future use.

2.7.2 Premium Subscription. CreditWise Premium provides access to enhanced features, including [describe premium features — e.g., daily score updates, full credit report access, dark web monitoring, score simulator]. Premium features require a paid subscription.

2.7.3 Billing. All payments for CreditWise Premium are processed through Google Play Billing. By subscribing, you authorize Google Play to charge your designated payment method on a recurring basis. Your subscription price is displayed prior to purchase in the Google Play Store.

2.7.4 Auto-Renewal. Your CreditWise Premium subscription will automatically renew at the end of each billing period unless you cancel at least 24 hours before the end of the current period. Your Google Play account will be charged for renewal within 24 hours prior to the end of the current period.

2.7.5 Cancellation. You may cancel your subscription at any time through your Google Play account settings. Cancellation takes effect at the end of the current billing period; you will retain access to premium features through the end of the paid period.

2.7.6 Refunds. Refund requests are governed by Google Play's refund policy. CreditWise does not directly process refunds; please contact Google Play support for refund inquiries.

2.7.7 Price Changes. CreditWise reserves the right to modify subscription pricing. You will receive advance notice of any price changes and may cancel prior to the change taking effect.

 

2.8 Intellectual Property

2.8.1 The App, including all content, features, design elements, text, graphics, logos, software code, and compilations of credit-related data and analysis (collectively, "CreditWise Content"), is owned by CreditWise or its licensors and is protected by applicable intellectual property laws, including copyright, trademark, and trade secret law.

2.8.2 Subject to your compliance with these Terms, CreditWise grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the App solely for your personal, non-commercial purposes. No other rights are granted.

2.8.3 You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any CreditWise Content without our prior written consent.

2.8.4 User Submissions. By submitting feedback, suggestions, ideas, or other content to CreditWise (collectively, "Submissions"), you grant CreditWise a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, and incorporate your Submissions for any purpose, without compensation to you.

 

2.9 Privacy

Your use of CreditWise is subject to our Privacy Policy, which is incorporated into these Terms by reference. By agreeing to these Terms, you also consent to the data collection and processing practices described in our Privacy Policy. Our Privacy Policy is available within the App and at https://www.webheadcase.com/creditwise-privacy-policy.

 

2.10 Disclaimers of Warranties

THE CREDITWISE APP AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

CreditWise does not warrant that:

  • The App will be uninterrupted, error-free, or free of viruses or other harmful components;

  • The App will meet your specific requirements or expectations; or

  • Any errors in the App will be corrected.

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2.11 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CREDITWISE, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP OR SERVICES, EVEN IF CREDITWISE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

To the extent that CreditWise's liability cannot be fully excluded under applicable law, CreditWise's total aggregate liability to you for any claim arising from or related to the App or Services shall not exceed the greater of: (a) the amount you paid to CreditWise in the twelve (12) months preceding the claim, or (b) one hundred United States dollars (USD $100.00).

 

2.12 Indemnification

You agree to defend, indemnify, and hold harmless CreditWise, its affiliates, and their respective directors, officers, employees, and agents from and against any claims, actions, suits, proceedings, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the App or Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any rights of a third party; or (e) any inaccurate or false information provided by you to CreditWise.

 

2.13 Dispute Resolution and Arbitration

2.13.1 Governing Law. These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict of law principles.

2.13.2 Informal Resolution. Before initiating formal dispute resolution, you agree to first contact CreditWise at webheadcase@webheadcase.com and attempt to resolve any dispute informally for at least 30 days.

2.13.3 Binding Arbitration. If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the App (including the Privacy Policy) shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in Greenville, North Carolina or by video conference if both parties agree.

2.13.4 Class Action Waiver. YOU AND CREDITWISE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding.

2.13.5 Exceptions. Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

 

2.14 Termination

2.14.1 CreditWise reserves the right to suspend or terminate your account and access to the Services, with or without prior notice, for any violation of these Terms, any fraudulent, abusive, or illegal activity, or for any other reason at our reasonable discretion.

2.14.2 You may delete your account and terminate your use of the Services at any time by visiting https://www.webheadcase.com/creditwise-delete-account

2.14.3 Upon termination, your right to access and use the Services immediately ceases. Sections of these Terms that by their nature should survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Dispute Resolution) shall survive.

 

2.15 Changes to Terms

CreditWise reserves the right to modify these Terms at any time. For material changes, we will provide at least 30 days' advance notice via email and an in-app notification. Non-material changes may be made without prior notice and will be effective upon posting. Your continued use of the App following the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you must discontinue use of the App.

 

2.16 Contact Information

For questions or concerns regarding these Terms of Service, please contact:

  • Email: webheadcase@webheadcase.com

  • Mailing Address:
    CreditWise — Legal Department
    PO Box 4164
    Greenville NC 27836-2164
    United States

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