Terms of Use - Credzu

Last updated: December 5, 2025

1. Overview

Welcome to Credzu. These Terms of Use explain the basic rules for using our website, app, and services (collectively, the “Platform”). By accessing or using Credzu, you agree to these Terms of Use and the additional policies listed below.

These Terms of Use are written in a clear, straightforward way so you can understand what we expect from you and what you can expect from us.

If you have any questions, email us at info@credzu.com.

2. What Credzu Doe

Credzu is a marketplace and escrow platform. We help Consumers, Service Providers, and Partners:

Communicate in one place
Share documents
Sign agreements
Hold and release funds safely through escrow

Credzu does not provide credit repair services and is not a credit repair company. We do not improve credit, dispute items, negotiate with creditors, or interact with credit bureaus. Only independent Service Providers do that work.

More details about roles and responsibilities are explained in our User Agreement and Credit Repair Disclaimer.

3. Documents That Apply to You

By using Credzu, you agree to the following:

User Agreement
Escrow Instructions
Fees & ACH Authorization Agreement
Privacy Policy
Cookie Policy
Credit Repair Disclaimer

Each of these documents works together with these Terms of Use.

4. Who Can Use Credzu

You must:

Be at least 18 years old
Provide accurate information
Use the Platform for lawful purposes
Use Credzu only for business or financial purposes related to credit services, not for personal or household banking

5. Your Responsibilities

By using Credzu, you agree:

Not to post unlawful, harmful, misleading, or abusive content
Not to disrupt or interfere with the Platform
Not to attempt to bypass our systems or security
Not to harass, threaten, or abuse other users
Not to copy, scrape, or reuse Credzu’s software, design, or content without permission
Not to create multiple accounts without approval

If you’re a Service Provider or Partner, you are also responsible for following any legal requirements that apply to your business.

6. Our Responsibilities

We work hard to keep Credzu reliable, but we cannot guarantee:

uninterrupted access
error-free operation
that every user will behave appropriately

Credzu may update the Platform, change features, or suspend access for maintenance or security reasons.

7. Links to Other Websites

Credzu may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party website or service.

8. Intellectual Property

Everything on the Platform—our design, software, text, graphics, trademarks, and features—belongs to Credzu or our licensors.

You may not:

copy
reproduce
distribute
reverse-engineer
create derivative works

without our written permission.

9. Termination of Use

We may suspend or close your account if:

you violate these Terms
you misuse the Platform
you pose a risk to other users
we need to comply with law or protect Credzu’s integrity

You may stop using Credzu at any time.

Closing your account does not remove obligations you already agreed to (such as escrow rules, payments, or dispute processes). More detail is in the User Agreement.

10. Disclaimer of Warranties

Credzu is provided “as-is” and “as available.”
We do not guarantee:

results
uninterrupted service
error-free operation
virus-free files
that Service Providers or Consumers will perform as expected

11. Limitation of Liability

To the fullest extent allowed by law:

Credzu is not liable for indirect, incidental, special, or consequential damages
Credzu’s total liability is limited to $500 or the amount of fees you paid us in the last six months, whichever is less

Some states do not allow certain limitations, so these may not apply to you.

12. Governing Law

These Terms are governed by the laws of the State of Florida.

Any disputes will be handled according to the Arbitration section of our User Agreement.

13. Changes to These Terms

We may update these Terms occasionally. When we do, we will change the “Last updated” date at the top. Continuing to use Credzu after changes means you accept the updated Terms.