Terms & Conditions
These terms govern your access to and use of the Creditspe platform, APIs, dashboard and related services.
Last updated: 1 July 2026
1. Acceptance of terms
By creating a Creditspe account or using our services, you agree to these terms on behalf of yourself and the business you represent.
2. Merchant eligibility and onboarding
You must complete KYC verification and provide accurate business, tax and bank information. We may suspend or decline an account that cannot be verified, or whose business activity falls within a prohibited category.
3. Prohibited businesses
Creditspe may not be used for illegal goods or services, unlicensed financial services, gambling where prohibited, counterfeit products, or any activity restricted by our banking and network partners.
4. Fees and settlements
Transaction fees are as set out in your pricing plan or agreement and are exclusive of applicable taxes. Settlements are made to your verified bank account on the cycle applicable to your plan, subject to reserves and holds where risk requires them.
5. Chargebacks and disputes
You are responsible for chargebacks, reversals and related fees arising from your transactions. We will notify you of disputes and provide a window to submit evidence.
6. Compliance and security
You agree to comply with applicable laws, network rules and data protection requirements, and to keep your API credentials confidential. You are responsible for activity conducted using your keys.
7. Limitation of liability
To the maximum extent permitted by law, Creditspe is not liable for indirect or consequential losses. Our aggregate liability is limited to the fees paid by you to Creditspe in the three months preceding the claim.
8. Termination
Either party may terminate with notice. We may suspend services immediately where required by law, by a partner, or to prevent material risk of loss.
Questions about this policy? Email legal@creditspe.com.