Terms and Conditions

Last updated: April 2026

These Terms and Conditions govern your use of the website at credbackr.com (the “Service”) operated by CredBackr Inc. (“CredBackr”, “the Company”, “we”, “us”, or “our”), a Delaware C-Corporation.

By accessing or using the Service, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you may not access the Service.

Definitions

  • Company refers to CredBackr Inc., a Delaware C-Corporation.
  • Service refers to the Website at credbackr.com.
  • You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Use of the Service

The Service is an informational website describing CredBackr’s products and services. It does not provide financial advice, credit decisions, credit scores, risk ratings, or any form of advisory service.

This report presents observed behavioral patterns from bank statement data and applicant declarations. It does not constitute financial advice or a credit decision. Decision authority rests entirely with the decision owner.

Intellectual Property

The content, design, and methodology described on this website are the property of CredBackr Inc. Reproduction or distribution of content from this website without written consent is prohibited.

The Service may contain links to third-party websites or services that are not owned or controlled by CredBackr. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

Limitation of Liability

To the maximum extent permitted by applicable law, CredBackr and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

Changes to These Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice prior to any new terms taking effect.

By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised terms.

Contact Us

If you have questions about these Terms and Conditions, you can contact us:

This report presents observed behavioral patterns from bank statement data and applicant declarations. It does not constitute financial advice or a credit decision. Decision authority rests entirely with the decision owner.