Terms and Conditions

These terms and conditions outline the rules and regulations for the use of October Technologies Private Limited's Website, and all websites operated by credstack including www.credstack.ai and credstack.xyz, hereafter referred to as credstack websites.

By accessing credstack websites, we assume you accept these terms and conditions. Do not continue to use credstack websites if you do not agree to take all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: "Client", "You" and "Your" refers to you, the person who logs on to this website and complies with the Company's terms and conditions. "The Company", "Ourselves", "We", "Our" and "Us" refers to our Company. "Party", "Parties", or "Us" refers to both the Client and ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client's needs in respect of provision of the Company's stated services, in accordance with and subject to prevailing law. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they is taken as interchangeable and therefore as referring to the same.

We employ the use of cookies. By accessing credstack websites, you agree to accept cookies in agreement with October Technologies Private Limited's Privacy Policy.

Most interactive websites use cookies to let us retrieve the user's details for each visit. Cookies are used by our website to enable the functionality of certain areas and make it easier for people visiting our website. Some of our affiliate or advertising partners may also use cookies.

Unless otherwise stated, October Technologies Private Limited and/or its licensors own the intellectual property rights for all material on credstack websites. All intellectual property rights are reserved. You may access material from credstack websites for your own personal use, subject to the restrictions in these terms and conditions.

You must not:

• Republish material from credstack websites
• Sell, rent, or sub-license material from credstack websites
• Reproduce, duplicate, or copy material from credstack websites
• Redistribute content from credstack websites

This Agreement shall begin on the date hereof.

Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. October Technologies Private Limited does not filter, edit, publish, or review comments before they appear on the website. Comments do not reflect the views and opinions of October Technologies Private Limited, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts them. To the extent permitted by applicable laws, October Technologies Private Limited shall not be liable for the comments or for any liability, damages, or expenses caused and/or suffered as a result of any use of, posting of, or appearance of the comments on this website.

October Technologies Private Limited reserves the right to monitor all comments and remove any comments that can be considered inappropriate, offensive, or a breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the comments on our website and have all necessary licenses and consents to do so;
• The comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
• The comments do not contain defamatory, libelous, offensive, indecent, or otherwise unlawful material that invades privacy; and
• The comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant October Technologies Private Limited a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your comments in any and all forms, formats, or media.

The following organizations may link to our website without prior written approval:

• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our website in the same manner as they hyperlink to the websites of other listed businesses; and
• System-wide Accredited Businesses, except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups, which may not hyperlink to our website.

These organizations may link to our home page, publications, or other website information so long as the link: (a) is not deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from commonly-known consumer or business information sources, dot.com community sites, charity associations or groups, online directory distributors, internet portals, accounting, law and consulting firms, educational institutions, and trade associations. We will approve requests if the link would not make us look unfavorably to ourselves or our accredited businesses, the organization has no negative records with us, the benefit from the visibility compensates for the absence of October Technologies Private Limited, and the link is in the context of general resource information.

If you are interested in linking to our website, email October Technologies Private Limited with your name, organization name, contact information, the URL of your site, the URLs from which you intend to link, and the URLs on our site to which you would like to link. Please allow 2-3 weeks for a response.

Approved organizations may hyperlink to our website using our corporate name, the uniform resource locator being linked to, or another description that makes sense within the context and format of the linking party's site. No use of October Technologies Private Limited's logo or other artwork is allowed for linking absent a trademark license agreement.

Without prior approval and written permission, you may not create frames around our webpages that alter the visual presentation or appearance of our website.

We shall not be held responsible for any content that appears on your website. You agree to protect and defend us against all claims arising on your website. No link should appear on any website that may be interpreted as libelous, obscene, or criminal, or that infringes, otherwise violates, or advocates the infringement or other violation of any third-party rights.

We reserve the right to request that you remove all links or any particular link to our website. You agree to immediately remove all links to our website upon request. We also reserve the right to amend these terms and conditions and our linking policy at any time. By continuously linking to our website, you agree to be bound by and follow these linking terms and conditions.

If you find any link on our website that is offensive for any reason, you are free to contact and inform us at any time. We will consider requests to remove links, but we are not obligated to do so or to respond to you directly.

We do not ensure that the information on this website is correct, warrant its completeness or accuracy, or promise to ensure that the website remains available or that the material on the website is kept up to date.

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Notwithstanding anything to the contrary, except for bodily injury of a person, neither party shall be responsible or liable with respect to any subject matter of this agreement or terms and conditions related thereto under any contract, negligence, strict liability, or other legal or equitable theory:

• for error or interruption of use, loss or inaccuracy or corruption of data, cost of procurement of substitute goods, services, or technology, or loss of business or profits;
• for any indirect, exemplary, incidental, special, or consequential damages;
• for any matter beyond a party's reasonable control; or
• for any amounts that, together with amounts associated with all other claims, exceed the fees actually paid by the customer to the service provider for the applicable services under this agreement or relating to any subject matter of this agreement in the 12 months prior to the act that gave rise to the liability, even if the party has been advised of the possibility of any of the foregoing types of losses or damages.

The customer acknowledges that an interruption in services due to circumstances beyond the reasonable control of the service provider, such as a failure of telecommunications or network systems not controlled by the service provider, shall not be considered a service outage or service deficiency for purposes of any remedy provided in this agreement.

As part of the credstack Services, the service provider may make third-party software, infrastructure, analytics, artificial intelligence, machine learning, generative AI, and other services available to the customer. The specific providers, services, features, data flows, security measures, retention practices, and permitted uses applicable to a customer will be determined on a case-by-case basis and documented in the applicable order form, statement of work, data processing agreement, product documentation, or other written agreement between the parties.

Such third-party software and services are governed by their respective terms and conditions. This Agreement does not modify or alter those third-party terms or impose additional terms and conditions other than those set forth herein.

a. Explicit Feature Usage

Credstack will share customer data with a third-party provider only as necessary to provide, secure, support, or improve the specific feature or service enabled for the customer, and in accordance with the applicable agreement and documented configuration. Where a feature requires the use of an external AI or other service provider, the applicable provider and processing terms will be communicated or agreed with the customer as appropriate.

b. Data Use and Training Restrictions

Customer data will be handled by each third-party provider in accordance with the applicable agreement. Unless expressly agreed otherwise in writing, third-party providers may not use customer data to train, improve, or develop their general-purpose models or services. Any provider-specific data use, retention, or training terms will be subject to the case-specific agreement between credstack and the customer.

CredStack may use artificial intelligence, machine learning, generative AI, automated processing, rules-based systems, and other computational methods to process information, analyse data, identify patterns, generate insights, and provide recommendations, scores, assessments, alerts, or other decision-support outputs (collectively, “AI Outputs”).

AI Outputs are intended solely to assist the Customer and its authorised personnel in evaluating information and making business or operational decisions. CredStack does not make, approve, reject, sanction, or otherwise take any final decision on behalf of the Customer or any individual decision-maker.

Any decision taken based on, or with reference to, an AI Output—including decisions relating to credit approval, rejection, pricing, limits, fraud, risk classification, underwriting, customer eligibility, or any other financial or business outcome—shall be made by the Customer or its authorised personnel, and the Customer and/or the relevant decision-maker shall remain solely responsible and liable for such decision and its consequences.

AI Outputs may contain errors, omissions, inaccuracies, inconsistencies, or limitations and may be affected by the quality, completeness, accuracy, timeliness, or availability of the data provided to or accessed by CredStack. AI Outputs should not be treated as a substitute for professional judgment, independent verification, applicable policies, regulatory requirements, or the Customer’s internal approval and decision-making processes.

The Customer is responsible for establishing appropriate review, validation, approval, human oversight, and escalation procedures for the use of AI Outputs within its business processes. The Customer shall independently verify material information and determine whether and how any AI Output is used in making a decision.

To the maximum extent permitted by applicable law, CredStack shall not be responsible or liable for any decision, action, omission, loss, claim, or consequence arising from or relating to the Customer’s or any third party’s reliance upon, interpretation of, or action taken based on any AI Output, except to the extent directly caused by CredStack’s breach of its express contractual obligations.

The use of AI or automated processing by CredStack does not transfer or alter the Customer’s legal, regulatory, fiduciary, underwriting, credit, compliance, or other responsibilities associated with the decisions made using the Services.

At credstack, we strive to provide the best service possible to our valued customers. This Refund Policy outlines the terms and conditions under which refunds will be provided for our services.

Monthly Subscriptions

If at any time during your first month using our service you are dissatisfied, please contact us. We will do our best to address your issue, provide a workaround, or give a timeline for a solution that meets your needs. If you are not satisfied, we will consider a prorated refund of your purchase.

Annual Subscriptions

credstack does not require an annual subscription as a condition of using our services. In exchange for signing up for an annual upfront commitment, we offer a significant discount over the monthly subscription cost. If at any time during your first 45 days using our service you are dissatisfied, please contact us. We will do our best to address your issue, provide a workaround, or give a timeline for a solution that meets your needs. If you are not satisfied, we will offer a prorated refund for your purchase.

We want you to be happy with our service throughout your entire contract, not only during the first 30 days for a monthly subscription and the first 45 days for an annual subscription. If we remove, break, or discontinue functionality that was available when you signed up, notify us immediately. If we fail to address the breakage within any promised timeline or cannot provide a satisfactory workaround for discontinued functionality, we will offer a prorated refund for the remainder of your contract.

Partial Downgrade of Annual Subscription

A partial downgrade occurs if, during your annual subscription period, you reduce the number of user licenses, downgrade the edition of our services, downgrade your paid support plan, or remove an add-on that you previously purchased. In case of a partial downgrade, you will receive credits in the form of an extension of the subscription for active licenses. Discounts that were applied will be excluded when calculating the credits. The value for the unused license equals the total amount paid minus the monthly list price multiplied by the number of months used.

Auto-Renewal

For your convenience, your monthly and yearly subscriptions will auto-renew until you cancel the service. Before each subscription auto-renews, we will send an email specifying the amount charged to your credit card. After each renewal, we will send a receipt by email specifying the amount deducted, the next renewal date, and the next renewal amount.

Exception to our Refund Policy

There will be no full or prorated refund where your account is terminated, suspended, or blocked by credstack for activities that violate our Terms of Service, including phishing, impersonation, fraud, or violation of applicable laws.

If you have any questions, please contact us at contact@credstack.ai.