Terms of Service — Credit Kernel

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between Credit Kernel Pte. Ltd. (“Credit Kernel”, “we”, “our”, or “us”) and the organization or individual (“Client” or “you”) accessing or using our credit infrastructure platform and APIs. By creating an account, signing an order form, or using our services, you agree to be bound by these Terms. If you do not agree, do not use our services.

2. Description of Services

Credit Kernel provides B2B credit infrastructure technology including AI-powered credit matching (Relay), a lender marketplace (Marketplace), and credit identity verification tools (Verifai). Services are provided via APIs and web-based dashboards to business clients only. Credit Kernel does not provide financial advice, lending, or consumer-facing services directly.

3. Account Registration

To access our services, you must register an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must promptly notify us at service@creditkernel.ai of any unauthorized use or security breach. Accounts may not be shared, transferred, or used by more than one business entity without our written consent.

4. Acceptable Use

You agree to use the services only for lawful purposes and in compliance with these Terms and all applicable laws and regulations. You must not:

Use the services to process transactions or activities that violate applicable consumer finance, anti-money laundering, or data protection laws.
Attempt to reverse-engineer, disassemble, or derive source code from our platform or APIs.
Circumvent, disable, or interfere with security features, access controls, or compliance mechanisms built into our services.
Resell, sublicense, or white-label our services to third parties without a separate written agreement with Credit Kernel.

5. Intellectual Property

Credit Kernel retains all right, title, and interest in and to its platform, APIs, algorithms, models, and related technology, including all intellectual property rights therein. These Terms do not grant you any ownership rights in our services. Client data uploaded or processed through our platform remains the property of the Client. You grant Credit Kernel a limited, non-exclusive license to process Client data solely to provide the contracted services.

6. Confidentiality

Each party agrees to keep confidential all non-public information received from the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information. Each party will use the other's confidential information only to perform its obligations under these Terms and will disclose it only to employees or contractors who have a need to know and are bound by equivalent confidentiality obligations. These obligations survive termination of the agreement for a period of five (5) years.

7. Limitation of Liability

To the maximum extent permitted by applicable law, Credit Kernel's total cumulative liability to you for any claims arising out of or relating to these Terms or the services will not exceed the fees paid by you to Credit Kernel in the twelve (12) months preceding the event giving rise to the claim. In no event will either party be liable for indirect, incidental, consequential, punitive, or special damages, even if advised of the possibility of such damages. These limitations apply regardless of the form of action.

8. Indemnification

You agree to defend, indemnify, and hold harmless Credit Kernel and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the services in violation of these Terms; (b) your violation of any applicable law or third-party right; or (c) data or content you submit through our platform.

9. Term and Termination

These Terms remain in effect for as long as you use our services or as specified in a separate order form. Either party may terminate the agreement with thirty (30) days' written notice. Either party may terminate immediately upon written notice if the other party materially breaches these Terms and fails to cure such breach within fifteen (15) days of receiving notice. Upon termination, your right to access the services ceases and we will handle your data in accordance with our data retention policy and the applicable service agreement.

10. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Singapore, without regard to its conflict of law provisions. Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (SIAC) in accordance with its rules in force at the time of the dispute. The seat of arbitration shall be Singapore. The language of arbitration shall be English.

11. Modifications

Credit Kernel reserves the right to modify these Terms at any time. We will provide at least thirty (30) days' advance notice of material changes via email to your registered address or via a prominent notice on our platform. Your continued use of the services after the effective date of the modified Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the services.

12. Contact

For questions about these Terms, please contact us at:

service@creditkernel.ai