Terms of Service

Last updated: January 30, 2026

Welcome to CredMind. These Terms of Service ("Terms") govern your access to and use of the CredMind website and services operated by SplitShare Technologies Limited ("Company", "we", "our", or "us").

By accessing or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

1. Description of Service

CredMind is an AI-powered credit risk intelligence platform designed to help financial institutions make better lending decisions. Our services include credit scoring, risk assessment, and decision automation tools.

2. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms on behalf of yourself or your organization. By using our services, you represent that you meet these requirements.

3. Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4. Acceptable Use

You agree not to:

• Use our services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Reverse engineer or attempt to extract source code
• Use our services to discriminate against any individual or group

5. Intellectual Property

All content, features, and functionality of CredMind, including but not limited to text, graphics, logos, and software, are the exclusive property of SplitShare Technologies Limited and are protected by intellectual property laws.

6. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free.

7. Limitation of Liability

To the fullest extent permitted by law, SplitShare Technologies Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.

8. Indemnification

You agree to indemnify and hold harmless SplitShare Technologies Limited, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

9. Modifications

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website. Your continued use of our services after such changes constitutes acceptance of the new Terms.

10. Termination

We may terminate or suspend your access to our services at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users or our business.

11. Governing Law

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

12. Contact Information

For questions about these Terms, please contact us at:

Email: splitstockcontact@gmail.com
Company: SplitShare Technologies Limited