TERMS OF USE

Last Updated: January 2, 2025

These Terms of Use (the “Terms”) govern your access to and use of the Credkeeper website located at credkeeper.com (the “Site”) and the Credkeeper software-as-a-service platform, applications, and related services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms; Eligibility

By using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy (collectively, the “Agreement”). If you are entering into this Agreement on behalf of an entity, you represent that you have authority to bind that entity.

You must be at least 18 years old, a resident of the United States, and legally capable of entering into a binding contract to use the Service. If you are under 18, do not use the Service. You may not use the Service if you are barred under applicable law or are located in a country embargoed by the United States.

2. About Credkeeper

The Service is operated by Credkeeper, LLC, a Wyoming limited liability company (“Credkeeper,” “we,” “us,” or “our”), with a principal mailing address at 30 N Gould Street, Suite N, Sheridan, WY 82801, and contact email [email protected]. Credkeeper is a private company and is not affiliated with any government agency.

Governing Law/Jurisdiction: These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-laws rules. Venue and jurisdiction are set forth in Section 12.

3. Account Registration & Security

You may need to create an account to access certain features of the Service. You agree to: (a) provide accurate, current, and complete information; (b) keep your credentials confidential; and (c) promptly update your information as needed. You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use. We may suspend or terminate your account for any breach of these Terms.

4. Plans, Trials, Billing & Refunds

4.1 Pricing, Term & Billing Cycle

Credkeeper currently offers these plans (USD):

• Free: $0 (limited features).

• Silver: $197/month or $1,891/year.

• Gold: $247/month or $2,371/year.

• Platinum: $447/month or $4,291/year.

Annual Commitment. All paid plans require a 12‑month commitment. “Monthly” pricing means you pay in 12 monthly installments for each 12‑month term.

Auto-Renewal. Each 12‑month term renews for another 12‑month term unless you give written notice of non‑renewal at least 30 days before the end of the current term.

All fees are in U.S. dollars unless stated otherwise. You authorize us (and our payment processors) to charge all applicable fees to the payment method you provide.

4.2 Trials & Guarantees

If you receive a free trial, discount, or promotional period, the applicable terms will be disclosed at signup. Unless you cancel before the end of the trial/promotional period, you will be charged the then-current rate.

Credkeeper offers a 7-day money-back guarantee on initial purchases (the “Guarantee Period”). To request a refund, you must contact us at [email protected] within 7 days of the initial charge. Refunds are not provided for subsequent renewals, partial months, or unused time unless required by law.

4.3 Cancellations & Non‑Renewal Notice

You may cancel at any time via your account settings or by emailing [email protected]. However:

• Notice Requirement: To avoid renewal charges, you must give notice of non‑renewal at least 30 days before the end of your current 12‑month term (whether you paid annually up front or monthly in installments).

• No Mid‑Term Refunds or Proration: Payments already made are non‑refundable, and you remain responsible for any unpaid installments for the remainder of the current term.

• Post‑Deadline Cancellation: If you attempt to cancel after the 30‑day window, the term will renew and you will be responsible for the full fees of the next 12‑month term.

Example: John is on the monthly plan and cancels halfway through month 11. Because the term auto‑renews for another 12 months and notice was not given 30 days prior to the end of month 12, John is still responsible for one more full 12‑month term of payments at the applicable rate.

4.4 Changes to Pricing

We may change pricing with advance notice. Price changes take effect at the next renewal. If you do not agree, cancel before the change becomes effective.

4.5 Failed Payments; Chargebacks; Blocked Payments

If you change or remove your payment method, dispute or reverse a charge (including initiating a chargeback), or otherwise block payment without properly cancelling or giving timely notice of non‑renewal, you remain responsible for all amounts owed for the current 12‑month term. Credkeeper may: (a) suspend or terminate access; (b) accelerate and declare due all remaining amounts under your agreement; and (c) pursue collection of such amounts, including reasonable costs of collection, attorneys’ fees, and any interest permitted by law.

5. License & Acceptable Use

5.1 Limited License

Subject to your compliance with this Agreement, Credkeeper grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal business purposes.

5.2 Prohibited Conduct

You agree not to:

• Use the Service for any unlawful, infringing, deceptive, or harmful purpose.

• Reverse engineer, decompile, disassemble, or attempt to derive source code from the Service.

• Interfere with or disrupt the Service or servers/networks connected to it.

• Remove, alter, or obscure any proprietary notices.

• Upload or transmit viruses, malware, or other harmful code.

• Attempt to access accounts or data not intended for you.

• Use automated means (scrapers, bots) to access the Service without our written permission.

• Misrepresent your affiliation with a person or entity.

• Use the Service to send spam or unsolicited communications.

We reserve the right to investigate and take appropriate action (including account suspension or termination) for violations of this Section.

6. User Content & Feedback

6.1 Ownership of Your Content

You may submit, upload, or display text, images, data, testimonials, or other materials (“User Content”). You retain ownership of your User Content, subject to the license granted below. You are solely responsible for your User Content and for ensuring it complies with these Terms and applicable law.

6.2 License to Credkeeper

By submitting User Content, you grant Credkeeper a worldwide, non-exclusive, royalty-free, sublicensable license to use, store, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform and display such User Content solely for the purpose of operating, improving, and providing the Service to you and others, and as otherwise described in our Privacy Policy. We may also use anonymized or aggregated data derived from your use of the Service to improve and market the Service. You may opt out of marketing use of your identifiable testimonials or content by emailing [email protected].

6.3 Feedback

If you provide suggestions, ideas, or feedback (“Feedback”), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use and exploit the Feedback for any purpose, without obligation or compensation to you.

7. Intellectual Property; No Grant

The Service, including all software, code, designs, text, graphics, logos, and other materials (excluding User Content), are owned by Credkeeper or its licensors and are protected by intellectual property laws. Except for the limited license in Section 5.1, no rights or licenses are granted to you by implication or otherwise.

Credkeeper and associated logos are trademarks or service marks of Credkeeper, LLC. Other names and logos may be trademarks of their respective owners.

7.1 Patents

Credkeeper™ is protected by one or more U.S. and/or international patents (including, without limitation, U.S. Patent No. US 11,244,005 B1). Any unauthorized use, reproduction, commercialization, or implementation of any patented invention is prohibited. Credkeeper reserves all rights and will pursue injunctive relief, damages, attorneys’ fees, and any other remedies available at law or in equity—including litigation—against infringers. If you have questions regarding our patents, contact [email protected].

8. Third-Party Services & Links

The Service may integrate with or link to third‑party products and services (e.g., payment processors, CRM tools such as Go High Level, form tools such as Jotform, project management tools such as Monday.com).

Managed Go High Level CRM. The CRM component of the Service is provisioned through a managed Go High Level (“GHL”) account. Your use of that CRM is subject to GHL’s own Terms of Service and Privacy Policy, in addition to these Terms. If GHL changes or discontinues its services, that may affect the CRM portion of the Service, and Credkeeper is not liable for such changes.

We are not responsible for any third‑party services, their content, or their failure. Your use of third‑party services is at your own risk and may be subject to additional terms and privacy policies.

9. Beta & Experimental Features

We may offer features identified as “beta,” “preview,” “early access,” or similar. Such features may be incomplete or change at any time, and are provided “as is” without warranties. Your use of beta features is at your own risk.

10. Privacy & Data Processing

Our collection and use of personal data is described in our Privacy Policy, which is incorporated by reference. If you require a Data Processing Addendum (DPA), please contact us at [email protected]. You represent that you have all necessary rights and consents to submit personal data to the Service.

11. Disclaimers; Limitation of Liability; Indemnification

11.1 Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses, or that results obtained from the Service will meet your requirements or expectations. Credkeeper is not a law firm, financial advisor, or professional services firm. We do not guarantee outcomes, revenue, or credibility results.

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDKEEPER’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO CREDKEEPER FOR THE SERVICE DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY (OR $100 IF YOU HAVE NOT PAID ANY AMOUNTS).

IN NO EVENT WILL CREDKEEPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow limitations of liability, so some of the above limitations may not apply to you.

11.3 Indemnification

You agree to defend, indemnify, and hold harmless Credkeeper, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; or (d) your violation of applicable law or third-party rights.

12. Dispute Resolution & Governing Law

12.1 Governing Law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Arizona, without regard to conflict-of-laws principles.

12.2 Venue

The state and federal courts located in Maricopa County, Arizona shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service. You and Credkeeper consent to personal jurisdiction and venue in such courts and waive any objection to inconvenient forum. These Terms do not require arbitration or a class action waiver.

13. DMCA / Copyright Complaints

If you believe content on the Service infringes your copyright, please send a notice that complies with the Digital Millennium Copyright Act (17 U.S.C. §512) to our designated agent at [email protected] with the subject line “DMCA Notice” and include: (a) your signature; (b) identification of the copyrighted work; (c) identification of the infringing material; (d) your contact information; (e) a statement of good-faith belief; and (f) a statement under penalty of perjury of the accuracy of your notice and your authority to act.

14. Changes to the Service & Terms

We may modify or discontinue the Service (or any part) at any time. We may also update these Terms. When we do, we will post the updated Terms on the Site and update the “Last Updated” date. Changes become effective 14 days after posting unless stated otherwise. If you continue to use the Service after changes become effective, you accept the revised Terms.

If we make material changes that affect your rights or obligations, we may also notify you by email or within the Service. If you do not agree to the changes, you must stop using the Service and cancel your subscription before the effective date.

15. Termination & Suspension

We may suspend or terminate your access to the Service (in whole or in part) at any time if you violate these Terms or if continued use poses a risk to the Service or other users. Upon termination, your right to use the Service stops immediately. Sections that by their nature should survive (e.g., payment obligations, disclaimers, limitation of liability, indemnification) will survive termination.

You are responsible for exporting any of your User Content or data before termination. We may delete your data after a reasonable period, except where retention is required by law.

16. Electronic Communications; Notices

By using the Service, you consent to receive electronic communications from us (e.g., emails, in-app messages). Legal notices may be sent to the email address on your account or posted on the Site. You may send notices to us at [email protected] or the postal address in Section 2.

17. Export Controls & Government Use

You may not use or export the Service except as authorized by U.S. law. The Service and related software may be subject to U.S. export control laws and regulations. By using the Service, you represent that you are not located in any country subject to U.S. embargo or designated as a “terrorist supporting” country and are not on any U.S. government list of prohibited or restricted parties.

If you are a U.S. Government end user, the Service is provided as “Commercial Items” with only those rights granted to other users under these Terms.

18. Miscellaneous

• Force Majeure: Neither party is liable for delays or failures due to causes beyond its reasonable control (e.g., natural disasters, war, labor disputes, internet failures).

• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

• Severability: If any provision is held invalid, the remaining provisions remain in full force.

• No Waiver: Our failure to enforce any right is not a waiver of that right.

• Entire Agreement: These Terms (and any other agreements expressly incorporated by reference) constitute the entire agreement between you and Credkeeper regarding the Service and supersede all prior or contemporaneous agreements on the subject matter.

19. Contact Us

If you have questions about these Terms, contact us at:

Credkeeper, LLC
30 N Gould Street, Suite N
Sheridan, WY 82801
United States
Email: [email protected]