Introduction

This document sets forth the legally binding terms and conditions (hereinafter referred to as the “Agreement”) governing your access to and use of the mobile application known as RewardsX (hereinafter referred to as the “App”), which is owned, operated, and controlled by Credwise Financial Inc., a corporation duly organized and existing under the laws of Alberta, Canada (hereinafter referred to as the “Company,” “we,” “us,” or “our”). By accessing, downloading, installing, or using the App in any capacity, you (hereinafter referred to as “you,” “your,” or “User”) expressly acknowledge and agree to be bound by the terms and conditions of this Agreement, as well as any additional terms, guidelines, or policies referenced herein or otherwise provided within the App.

Contractual Relationship and Legal Effect

By engaging with the App in any manner, you hereby enter into a contractual relationship with the Company, which is governed by the provisions set forth in this Agreement. This Agreement constitutes a valid, enforceable, and legally binding contract between you and the Company and is applicable to any and all uses of the App, irrespective of the specific purpose or nature of your use. The execution of this Agreement does not require any physical signature, as your acceptance of the terms herein is confirmed through your continued use of the App or any related services provided by the Company. If you do not agree to the terms and conditions set forth in this Agreement, you must immediately cease all use of the App and uninstall it from your device.

Incorporation of Additional Terms

This Agreement incorporates by reference any additional terms, guidelines, policies, or notices that may be issued by the Company from time to time in relation to specific services, features, promotions, or functionalities offered through the App (hereinafter referred to as the “Additional Terms”). Such Additional Terms shall become an integral part of this Agreement upon issuance and shall be binding upon the User as though fully set forth herein. In the event of any conflict or inconsistency between the terms of this Agreement and the Additional Terms, the provisions of the Additional Terms shall control with respect to the specific subject matter to which they apply. The User agrees to review all such Additional Terms and to comply fully with their provisions. The Company reserves the exclusive right to modify or amend the Additional Terms at any time, and such modifications shall take effect upon their publication within the App.

Acknowledgment of User’s Legal Capacity and Authority

By accessing or using the App, you expressly represent and warrant that you possess the legal capacity, competence, and authority to enter into this Agreement. Specifically, you represent that you:

Are at least 18 years of age or the age of majority in your jurisdiction of residence, whichever is greater, and have the full legal capacity to enter into binding agreements;

Have not been previously suspended or removed from using the App by the Company or any of its affiliates;

Are not a person or entity prohibited from using the App under the laws of Canada, the jurisdiction in which you reside, or any other applicable jurisdiction, including but not limited to any restrictions arising from export control laws, sanctions, or other regulatory prohibitions;

Will comply with all applicable laws, rules, and regulations, whether local, provincial, national, or international, in your use of the App, and will not use the App for any unlawful or prohibited purposes.

If you are using the App on behalf of a legal entity, you further represent and warrant that you have the requisite authority to bind such entity to the terms of this Agreement, and that all references to “you” or “your” herein shall be deemed to include such entity. You acknowledge that your use of the App is conditional upon the truthfulness and accuracy of these representations and warranties, and the Company reserves the right to terminate or restrict your access to the App in the event that such representations and warranties are, or are reasonably suspected to be, false, inaccurate, or misleading.

Applicability of Terms and Changes to the Agreement

The terms and conditions of this Agreement shall apply to any and all uses of the App, regardless of the specific features, services, or content accessed by the User. The Company retains the sole discretion to modify, amend, update, or replace any portion of this Agreement at any time without prior notice to the User. In the event that the Company exercises its discretion to modify this Agreement, such modifications shall become effective immediately upon publication within the App or through other reasonable methods of notice. Your continued access to or use of the App following the publication of any modifications shall constitute your acknowledgment and acceptance of the updated Agreement.

It is your sole responsibility to regularly review this Agreement and any updates thereto. The Company shall not be liable for any User’s failure to remain informed of the current terms of this Agreement.

Legal Notices and Disclaimers

By using the App, you acknowledge and agree that all legal notices, disclaimers, and disclosures provided by the Company within the App, whether presented in conjunction with specific services, features, or content, or otherwise made available in connection with the operation of the App, are incorporated by reference into this Agreement and form an essential part thereof. The Company expressly disclaims any and all liability arising from your failure to comply with such notices, disclaimers, or disclosures. The Company further reserves the right to update or amend such legal notices, disclaimers, or disclosures at any time, and your continued use of the App constitutes acceptance of such updates or amendments.

Severability and Interpretation

If any provision of this Agreement is found to be unlawful, invalid, or unenforceable under applicable law, such provision shall be severed from the Agreement, and the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to render it enforceable, in accordance with the intent of the parties. The headings used in this Agreement are provided for convenience only and shall not affect the interpretation of any provision.

Entire Agreement and Waiver

This Agreement, together with any Additional Terms, constitutes the entire agreement between you and the Company concerning the subject matter hereof and supersedes all prior or contemporaneous communications, agreements, or understandings, whether oral or written, relating to the App. The Company’s failure to enforce any provision of this Agreement shall not be construed as a waiver of its rights to enforce such provision at any time thereafter. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.

Eligibility

This section governs the conditions under which an individual or entity is permitted to access and use the App. It is essential that you meet the requirements set forth below to ensure that you are legally authorized to engage with the services provided by the App.

Minimum Age Requirement

By accessing, downloading, or using the App, you affirm and represent that you are at least eighteen (18) years of age or the age of majority in your jurisdiction of residence, whichever is greater. The Company does not knowingly collect or solicit Personal Information from individuals under the age of majority, nor does it allow such individuals to create an account or use the App. If you are under the age of majority, you are expressly prohibited from accessing or using the App, and any attempt to register or use the App by such individuals will be considered a violation of this Agreement. In the event that we become aware that we have inadvertently collected Personal Information from an individual under the age of majority without verification of parental or guardian consent, we will take immediate steps to delete such information from our systems.

Legal Capacity and Authority

You represent and warrant that you possess the legal capacity, competence, and authority necessary to enter into this Agreement and to comply fully with its terms and conditions. Specifically, you affirm that:

You have not been previously suspended or removed from the App or any related services provided by the Company or its affiliates;

Your use of the App does not and will not violate any applicable laws, regulations, or third-party rights, including but not limited to laws governing intellectual property, data privacy, and export control;

You are not located in a jurisdiction that is subject to Canadian government sanctions or other trade restrictions, nor are you listed on any Canadian or international government list of prohibited or restricted parties.

If you are acting on behalf of a legal entity, such as a corporation, partnership, or other organization, you further represent and warrant that you have the legal authority to bind that entity to this Agreement. In such cases, all references to "you" or "your" shall be deemed to include the legal entity on whose behalf you are acting, and you agree that both you and the entity are jointly and severally bound by the terms and conditions of this Agreement.

Compliance with Laws and Regulations

As a condition of your access to and use of the App, you agree to comply with all applicable local, provincial, federal, and international laws, regulations, and ordinances that govern your use of the App. This includes, without limitation, laws related to data protection, privacy, consumer protection, intellectual property, and anti-fraud measures. You further agree that you will not engage in any unlawful activity or use the App for any purpose that is prohibited by this Agreement or by applicable law.

In addition, you acknowledge and agree that the Company reserves the right, in its sole discretion, to restrict or prohibit access to the App in certain jurisdictions if required by law or if deemed necessary to ensure compliance with applicable legal and regulatory requirements. The Company shall have no liability for any loss or damages incurred as a result of such restrictions or prohibitions.

Prohibited Users

The following categories of individuals and entities are expressly prohibited from using the App:

Any individual under the age of majority in their jurisdiction of residence;

Any individual or entity that has previously been suspended or banned from using the App by the Company;

Any individual or entity that is subject to economic sanctions, embargoes, or other trade restrictions imposed by the Government of Canada or any other applicable jurisdiction;

Any individual or entity that has been convicted of a crime involving fraud, theft, or other dishonesty, or that is engaged in any illegal or unethical activity, including but not limited to activities that violate applicable consumer protection laws, intellectual property laws, or privacy regulations.

If you fall within any of the prohibited categories listed above, you must not attempt to access or use the App, and any such attempt will constitute a violation of this Agreement. The Company reserves the right to take any and all legal action necessary to enforce this provision, including pursuing civil and criminal remedies where appropriate.

User Information and Account Security

To access certain features of the App, you may be required to create an account and provide accurate, complete, and current information as part of the registration process. You are solely responsible for maintaining the confidentiality and security of your account credentials, including your username, password, and any other authentication information. You agree to:

Provide true, accurate, current, and complete information during the registration process and to update such information as necessary to ensure its accuracy;

Safeguard your account credentials and not share them with any third party;

Accept full responsibility for any activity or action taken through your account, whether authorized by you or not.

You agree to immediately notify the Company of any unauthorized use of your account or any other breach of security. The Company shall not be liable for any loss or damage arising from your failure to maintain the confidentiality and security of your account credentials or for any unauthorized activity on your account.

License to Use the App

This section sets forth the terms under which the Company grants you a limited, revocable license to access and use the App. The license is subject to strict conditions, including compliance with the terms of this Agreement and all applicable laws and regulations.

Limited, Non-Exclusive License

Subject to your full compliance with the terms and conditions of this Agreement, the Company hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access, download, install, and use the App solely for your personal, non-commercial use on a compatible mobile device that you own or control. This license is provided strictly for your individual use and does not confer upon you any rights or ownership interest in the App or any of its components.

This license is granted solely for the purpose of enabling you to use the App in the manner expressly authorized by the Company under this Agreement. You are prohibited from using the App for any other purpose without obtaining prior written consent from the Company.

Restrictions on Use of the App

As a condition of your use of the App, you expressly agree that you shall not, directly or indirectly:

Modify, adapt, translate, reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, or underlying structure of the App, except as permitted by applicable law;

Create derivative works based on the App or any of its components, or otherwise modify or alter any part of the App;

Reproduce, copy, distribute, transmit, publicly display, publicly perform, publish, license, sublicense, sell, rent, lease, or otherwise exploit the App or any portion thereof for any commercial purpose, except as expressly authorized by this Agreement;

Circumvent, disable, or otherwise interfere with security-related features of the App, including any features designed to prevent or restrict unauthorized copying or distribution of content, or features that enforce limitations on the use of the App;

Use any data mining, robots, spiders, or other automated means to access, scrape, or extract content or data from the App without the express written consent of the Company;

Use the App in any manner that could damage, disable, overburden, or impair the App’s servers or networks, or interfere with the operation of the App or any third party's use of the App;

Access the App using any interface other than the official interface provided by the Company;

Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices contained in the App or on any related materials provided by the Company.

Any violation of the foregoing restrictions shall constitute a breach of this Agreement and may result in the immediate termination of your license to use the App, in addition to any other remedies available to the Company under applicable law.

Updates and Modifications to the App

The Company reserves the exclusive right, in its sole discretion, to modify, update, enhance, or discontinue any aspect or feature of the App, at any time and without prior notice to you. This may include, but is not limited to, the addition of new features, changes to existing functionalities, or the removal of certain aspects of the App. The Company is under no obligation to continue providing support for any particular version of the App.

You acknowledge and agree that the Company shall not be liable for any modification, suspension, or discontinuation of the App or any of its features. Furthermore, the Company may, but is not obligated to, provide automatic updates to the App, which may include bug fixes, patches, or other improvements. You consent to the automatic installation of such updates on your device, and you agree to promptly install any available updates that are provided to you by the Company.

Failure to install updates may result in certain features of the App becoming unavailable, and the Company shall have no liability for any losses or damages resulting from your failure to keep the App up to date.

Ownership and Proprietary Rights

You acknowledge and agree that the App, including but not limited to its content, design, layout, algorithms, code, software, text, graphics, images, logos, audio, video, and other materials (collectively, the "App Materials"), is the exclusive property of the Company or its licensors and is protected by applicable intellectual property laws, including copyright, trademark, patent, and trade secret laws. Nothing in this Agreement grants you any ownership rights to the App or the App Materials, nor does it grant you any rights to use the Company’s trademarks, logos, or other proprietary designations without the prior written consent of the Company.

All rights not expressly granted to you under this Agreement are reserved by the Company and its licensors. The Company retains all rights, title, and interest in and to the App and the App Materials, including all associated intellectual property rights. Any unauthorized use of the App or the App Materials may violate intellectual property laws and subject you to civil and criminal penalties.

Termination of License

The Company reserves the right to terminate or suspend your license to use the App at any time, with or without cause, and with or without notice, in its sole discretion. Grounds for termination may include, but are not limited to, your breach of this Agreement, your violation of applicable law, or any conduct that the Company deems to be harmful or disruptive to the App, the Company, or other Users.

Upon termination of your license, you must immediately cease all use of the App and delete all copies of the App from your devices. Any termination of this Agreement will not affect the Company’s rights to seek damages or other remedies under applicable law for any violations of this Agreement that occurred prior to the termination.

The provisions of this Agreement that by their nature should survive termination, including but not limited to provisions governing intellectual property, disclaimers, limitations of liability, and indemnification, shall continue to apply after the termination of your license.

Export Control and International Use

The App may be subject to Canadian export control laws and regulations. By using the App, you represent and warrant that:

You are not located in, under the control of, or a national or resident of any country to which the export of software or technical data is restricted by Canadian law;

You are not listed on any Canadian government list of prohibited or restricted parties;

You will not use the App for any purpose prohibited by applicable export control laws, including the development, design, manufacture, or production of missiles, nuclear, chemical, or biological weapons.

The Company makes no representation that the App is appropriate or available for use in locations outside of Canada. If you choose to access the App from a jurisdiction outside of Canada, you do so at your own risk and are responsible for compliance with all applicable local laws.

User Accounts

This section governs the creation, maintenance, and security of user accounts, and outlines the responsibilities and obligations that accompany the use of the account. By creating an account, you agree to comply with all terms and conditions set forth in this Agreement.

Account Registration

To access certain features or functionalities of the App, you may be required to create a personal user account (hereinafter referred to as the "Account"). You expressly agree to provide accurate, complete, and current information during the account registration process, including, but not limited to, your name, email address, telephone number, and any other information requested by the Company (hereinafter referred to as "Account Information"). By submitting Account Information, you represent and warrant that such information is truthful and that you have the legal right to provide it.

You acknowledge and agree that failure to provide accurate and complete Account Information, or to update such information as necessary, may result in the suspension or termination of your access to the App or your ability to use certain features of the App.

Account Security and Confidentiality

You are solely responsible for maintaining the confidentiality and security of your Account login credentials, including but not limited to your username and password. You agree to take all reasonable steps to safeguard your Account from unauthorized access, including, but not limited to, keeping your login credentials confidential and refraining from sharing them with third parties. You further agree that you will not use another person's account or allow any other person to access or use your Account, except as expressly permitted by the Company.

In the event that you become aware of any unauthorized access to or use of your Account, you must immediately notify the Company by contacting us at [Insert Contact Information]. You acknowledge that you will be held responsible for any activity conducted through your Account, whether or not such activity was authorized by you. The Company shall not be liable for any loss or damage arising from your failure to comply with this section.

User Obligations

By creating and maintaining an Account, you agree to:

Provide true, accurate, and complete information during the registration process and maintain the accuracy of such information by updating it as necessary;

Use your Account solely for lawful purposes and in accordance with this Agreement, and refrain from using your Account in any manner that violates any applicable local, provincial, federal, or international laws and regulations;

Refrain from creating multiple accounts, except as otherwise authorized by the Company;

Not impersonate any other individual or entity, or falsely state or otherwise misrepresent your identity, age, affiliation, or authority to act on behalf of any other person or entity;

Not engage in any fraudulent, abusive, or otherwise deceptive activity in connection with your Account or the App.

Any violation of the above obligations constitutes a material breach of this Agreement and may result in the immediate termination or suspension of your Account, in addition to any other remedies available to the Company under applicable law.

Account Suspension and Termination

The Company reserves the exclusive right to suspend, restrict, or terminate your access to your Account or any part of the App, at any time and without prior notice, for any reason, including but not limited to your violation of this Agreement or any applicable laws, regulations, or third-party rights. The Company also reserves the right to disable, delete, or modify any Account Information that it reasonably determines to be false, incomplete, outdated, or in violation of this Agreement.

In the event that your Account is terminated for any reason, the Company may, but is not obligated to, retain or delete any of your Account Information and any associated content, data, or records in accordance with its internal data retention policies and applicable laws. You acknowledge and agree that upon termination of your Account, you will immediately cease all use of the App, and any rights granted to you under this Agreement will be immediately revoked.

Account Deletion and Data Retention

You may request the deletion of your Account at any time by submitting a formal request to the Company through the contact information provided in this Agreement. Upon receipt of your request, the Company will take reasonable steps to delete your Account and associated data, subject to any legal or regulatory requirements that mandate the retention of certain information.

Notwithstanding the foregoing, you acknowledge and agree that the Company may retain anonymized, aggregated, or non-personally identifiable information for business, statistical, or analytical purposes, even after the deletion of your Account. Any data retained in compliance with applicable legal obligations, such as tax records or regulatory reports, will be retained in accordance with the Company's data retention policies and applicable laws.

Use of Third-Party Authentication Services

The Company may, at its sole discretion, allow Users to register for an Account or log in to the App through third-party authentication services, such as Google, Facebook, or other social media platforms (hereinafter referred to as "Third-Party Authentication Services"). If you choose to use such services, you agree to comply with the terms and conditions of the respective Third-Party Authentication Services. You further agree that:

The Company is not responsible for the availability, security, or performance of Third-Party Authentication Services;

Any information or data provided by you through a Third-Party Authentication Service may be shared with or accessed by the respective third party, in accordance with their privacy policies;

The Company shall have no liability for any unauthorized access to or use of your Account that results from your use of a Third-Party Authentication Service.

You acknowledge and agree that the Company may revoke or limit your ability to access the App through Third-Party Authentication Services at any time, without prior notice or liability to you.

Access to Account Information by the Company

You acknowledge and agree that the Company may access, use, modify, or disclose any information associated with your Account for the following purposes:

To provide technical support, address issues with your Account, or respond to your inquiries;

To investigate or prevent any suspected fraudulent, abusive, or illegal activity involving your Account;

To comply with applicable legal, regulatory, or law enforcement requirements;

To enforce this Agreement or any other agreements or policies referenced herein.

The Company’s access to your Account Information is governed by the terms of this Agreement and the Company’s Privacy Policy, which is incorporated herein by reference.

Intellectual Property

This section outlines the intellectual property rights associated with the App, including ownership, usage rights, and restrictions on the use of content, trademarks, and other proprietary materials owned or controlled by the Company.

Ownership of Intellectual Property

The App, including but not limited to its design, features, functionality, content, text, graphics, images, logos, icons, audio, video, software, code, user interfaces, and any other materials made available through the App (hereinafter collectively referred to as the “App Materials”), is the exclusive property of the Company and its licensors. All rights, title, and interest in and to the App Materials, including all intellectual property rights, are and shall remain the sole and exclusive property of the Company, its licensors, or other third-party content providers, as applicable.

The App Materials are protected by applicable intellectual property laws, including but not limited to copyright, trademark, patent, and trade secret laws, as well as any other applicable laws designed to protect proprietary rights. Nothing in this Agreement shall be construed to transfer any ownership rights, title, or interest in or to the App Materials to you or any third party. All rights not expressly granted under this Agreement are reserved by the Company.

Limited License to Use App Materials

Subject to your compliance with the terms and conditions of this Agreement, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access, view, and use the App Materials solely for your personal, non-commercial use, and strictly in accordance with the terms of this Agreement. This license is limited to the use of the App in the manner intended by the Company, and does not grant you any rights to reproduce, copy, modify, adapt, create derivative works from, distribute, transmit, publicly display, publicly perform, license, sublicense, sell, or otherwise exploit the App Materials for any commercial or public purposes without the express prior written consent of the Company.

Any use of the App Materials outside the scope of the limited license granted herein constitutes a material breach of this Agreement and may result in the termination of your access to the App, in addition to any other legal remedies available to the Company.

Restrictions on Use of Intellectual Property

You expressly agree that you shall not, and shall not authorize or assist any third party to:

Copy, modify, reproduce, create derivative works from, decompile, disassemble, reverse engineer, or attempt to derive the source code, algorithms, or underlying structure of the App or any portion thereof;

Exploit, distribute, sublicense, lease, sell, rent, assign, transfer, or otherwise commercially exploit the App or any part of the App Materials without the prior written consent of the Company;

Use any content from the App for any purpose other than your personal, non-commercial use, including but not limited to posting, transmitting, distributing, or redistributing any content available through the App without the express written permission of the Company;

Remove, obscure, or alter any copyright, trademark, or other proprietary notices contained in the App or any App Materials;

Use any trademarks, logos, trade names, service marks, or other proprietary designations of the Company, its affiliates, or licensors without prior written authorization.

Any unauthorized use of the intellectual property rights of the Company or its licensors is strictly prohibited and may subject you to civil and criminal penalties, including but not limited to damages, attorney’s fees, and injunctive relief.

Trademarks and Service Marks

The trademarks, logos, service marks, trade names, and trade dress (collectively, the "Trademarks") used or displayed within the App are registered or unregistered trademarks of the Company or its affiliates, licensors, or third-party content providers. The Trademarks are protected by applicable trademark laws, and any use of the Trademarks without the prior written permission of the Company or the respective owner is strictly prohibited.

Nothing in this Agreement or within the App grants you, by implication, estoppel, or otherwise, any right, title, or interest in or to the Trademarks. You may not use the Trademarks in connection with any product or service in any manner that is likely to cause confusion, misrepresentation, or dilution of the Trademarks, or in any manner that disparages or discredits the Company or the owner of the Trademarks.

Copyright Infringement and DMCA Policy

If you believe that any content or materials available through the App infringe upon your copyright or other intellectual property rights, you may submit a written notification pursuant to the Digital Millennium Copyright Act (DMCA) or other applicable intellectual property laws by providing the following information to the Company’s designated copyright agent:

A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property rights;

A description of the copyrighted work or other intellectual property that you claim has been infringed;

A description of the material that you claim is infringing and the location of the infringing material within the App;

Your contact information, including your address, telephone number, and email address;

A statement by you that you have a good faith belief that the disputed use of the material is not authorized by the copyright or intellectual property owner, its agent, or the law;

A statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on behalf of the owner.

The Company’s designated copyright agent for notices of claims of copyright infringement can be contacted at:

Credwise Financial Inc.
Edmonton, Alberta, Canada
Attn: Copyright Agent
Email: admin@credwise.ca
Telephone: 825-785-4124

The Company reserves the right, in its sole discretion, to remove or disable access to content or materials that infringe upon the intellectual property rights of others and to terminate the accounts of repeat infringers in accordance with applicable law.

Reservation of Rights

Except as expressly provided in this Agreement, no other rights, title, or interest are granted to you, whether by implication, estoppel, or otherwise, in or to any intellectual property owned or licensed by the Company, including but not limited to patents, trade secrets, copyrights, or trademarks. The Company reserves all rights not expressly granted in this Agreement. Any use of the App or App Materials not expressly permitted by this Agreement is strictly prohibited.

User-Generated Content and Ownership

The App may allow you to upload, post, or otherwise submit content, including but not limited to reviews, comments, feedback, or other materials (collectively, “User-Generated Content”). By submitting User-Generated Content to the App, you hereby grant the Company a non-exclusive, royalty-free, perpetual, irrevocable, worldwide, sublicensable, and transferable license to use, reproduce, modify, adapt, translate, distribute, publicly display, publicly perform, and create derivative works from such User-Generated Content in connection with the operation of the App and the Company’s business, in any media or format.

You represent and warrant that you own or have the necessary rights to grant the licenses set forth in this section, and that your User-Generated Content does not violate any intellectual property rights, privacy rights, or other proprietary rights of any third party.

The Company reserves the right, in its sole discretion, to remove or modify any User-Generated Content that it deems to be in violation of this Agreement or applicable laws, or that it considers inappropriate, without prior notice or liability to you.

Rewards and Promotions

This section governs the terms and conditions applicable to any rewards, promotions, discounts, offers, incentives, or other benefits (hereinafter referred to as "Rewards") provided by the Company through the App. By participating in any Rewards program, promotion, or offer, you agree to be bound by the specific terms outlined below, in addition to any separate terms or conditions that may be associated with such Rewards.

General Terms and Eligibility

The availability and use of Rewards provided by the Company are subject to the sole discretion of the Company and may be offered to Users on a limited, promotional, or temporary basis. Rewards may include, but are not limited to, discounts on purchases, cashback incentives, promotional offers, loyalty points, or other similar benefits. The Company reserves the right to modify, suspend, terminate, or revoke any Rewards, at any time and without prior notice to Users, for any reason deemed appropriate by the Company.

To be eligible to participate in any Rewards program, you must meet the following criteria:

You must be a registered User of the App in good standing, without any outstanding account violations or breaches of this Agreement;

You must comply with all specific requirements or conditions applicable to the Rewards, including any limitations on use, eligibility restrictions, or expiration dates;

You must not engage in fraudulent, deceptive, or unlawful behavior in connection with any Rewards, as determined in the sole discretion of the Company;

You must not violate any applicable local, provincial, federal, or international laws or regulations in connection with the use or redemption of Rewards.

The Company reserves the right to disqualify any User from participating in Rewards programs if the Company has reason to believe that the User has violated this Agreement or engaged in any fraudulent or abusive conduct in connection with the Rewards.

Rewards Availability and Expiration

Rewards offered through the App are subject to availability and may be subject to specific terms, including, but not limited to, limitations on the duration of the promotion, the number of Users eligible to participate, the geographic locations where Rewards are valid, and other conditions determined by the Company.

Each Reward may have an expiration date, after which the Reward will no longer be available for redemption or use. The expiration date, if any, will be communicated to you at the time the Reward is offered. It is your sole responsibility to monitor the expiration date and to redeem any applicable Rewards prior to their expiration. The Company shall have no obligation to provide any replacement or substitute Rewards for expired, forfeited, or unused Rewards.

In the event of the suspension or termination of a Rewards program, any unredeemed or unused Rewards will be considered forfeited, and the Company shall have no obligation to compensate you for such forfeited Rewards.

Redemption of Rewards

Rewards may only be redeemed through the App or in accordance with the specific instructions provided by the Company. The redemption of Rewards is subject to any additional terms, conditions, or restrictions that may be associated with the particular Reward, including but not limited to minimum purchase requirements, applicable exclusions, or limitations on the use of multiple Rewards in a single transaction.

You acknowledge and agree that:

Rewards have no cash value and may not be exchanged, sold, transferred, or redeemed for cash unless expressly permitted by the Company in writing;

Rewards are non-transferable and are intended for the exclusive use of the User to whom the Reward was issued;

Rewards may not be combined with other promotions, offers, or discounts unless explicitly stated by the Company.

The Company reserves the right to refuse the redemption of any Rewards if it reasonably believes that the Rewards have been obtained fraudulently, in violation of this Agreement, or through unauthorized or improper means.

Fraudulent or Abusive Activity

You acknowledge and agree that the Company maintains a zero-tolerance policy for any fraudulent, abusive, or otherwise deceptive activity in connection with the accumulation, use, or redemption of Rewards. The Company may, in its sole discretion, investigate any suspicious activity associated with your Account or your participation in any Rewards program, and reserves the right to take appropriate legal or administrative action, including but not limited to:

Revoking or canceling any Rewards that were obtained fraudulently or in violation of this Agreement;

Terminating or suspending your access to the App and any Rewards program;

Referring the matter to appropriate law enforcement or regulatory authorities.

Examples of fraudulent or abusive activity include, but are not limited to, creating multiple accounts to claim duplicate Rewards, misrepresenting your identity or eligibility for a promotion, or engaging in any form of hacking, phishing, or other manipulative practices to obtain unauthorized access to Rewards.

Modification or Termination of Rewards Programs

The Company reserves the right, in its sole discretion, to modify, suspend, or terminate any Rewards program, promotion, or offer at any time, with or without notice to you. Such modification, suspension, or termination may occur for any reason, including, but not limited to, changes in the availability of Rewards, alterations to the App’s functionality, or the Company’s business or operational requirements.

In the event that a Rewards program is modified, suspended, or terminated, any unredeemed Rewards will be subject to forfeiture, and the Company shall not be liable for any damages, losses, or claims arising from such forfeiture. The Company may, in its sole discretion, provide notice of the modification, suspension, or termination of a Rewards program via email, in-App notification, or other reasonable means, but is under no obligation to do so.

Third-Party Offers and Promotions

The App may contain offers, promotions, or advertisements from third-party merchants, retailers, or service providers (hereinafter referred to as "Third-Party Promotions"). Any Third-Party Promotions are offered solely by the respective third-party and are not endorsed, sponsored, or controlled by the Company. Your participation in any Third-Party Promotions is at your own risk, and the Company disclaims any liability for the products, services, or offers provided by third parties through such promotions.

You agree that:

Your use of Third-Party Promotions is governed solely by the terms and conditions of the respective third party;

The Company is not responsible for any disputes, claims, or liabilities arising from or related to Third-Party Promotions;

The Company makes no representations or warranties concerning the accuracy, quality, or legality of any Third-Party Promotions, or the products or services offered therein.

The Company encourages you to review the terms and conditions of any Third-Party Promotions before participating, and to contact the respective third-party for any questions or concerns related to such promotions.

Taxes and Legal Compliance

The accumulation, use, and redemption of Rewards may be subject to applicable tax laws and regulations. You are solely responsible for any tax liabilities, including, but not limited to, income tax or sales tax, arising from your participation in any Rewards program or the redemption of any Rewards. The Company disclaims any responsibility for calculating, reporting, or remitting taxes on your behalf in connection with any Rewards.

You further acknowledge and agree that your participation in any Rewards program shall comply with all applicable local, provincial, federal, and international laws, regulations, and ordinances. The Company reserves the right to disqualify you from participating in any Rewards program or to cancel any issued Rewards if it reasonably determines that such participation or issuance would violate applicable law or regulatory requirements.

Third-Party Links and Services

This section governs your interactions with any third-party websites, services, applications, or other platforms (hereinafter collectively referred to as "Third-Party Services") that may be accessible through the App. By using the App and engaging with Third-Party Services, you acknowledge and agree to the terms and conditions set forth herein, in addition to any separate terms and conditions imposed by the respective third-party providers.

Inclusion of Third-Party Links and Services

The App may contain links to, or otherwise provide access to, Third-Party Services that are not owned, operated, or controlled by the Company. These Third-Party Services are provided for your convenience and informational purposes only, and the Company does not endorse, sponsor, or assume any responsibility for the content, products, services, or practices of any Third-Party Services.

Your interaction with, and use of, Third-Party Services is entirely at your own risk, and the Company expressly disclaims any and all liability for any harm, loss, or damages arising from your engagement with Third-Party Services. It is your sole responsibility to review and comply with the applicable terms, conditions, and privacy policies of any Third-Party Services that you choose to access through the App.

No Control Over Third-Party Services

You acknowledge and agree that the Company has no control over the content, functionality, legality, accuracy, or availability of any Third-Party Services. The inclusion of a link to, or access to, Third-Party Services does not imply any affiliation, partnership, sponsorship, or endorsement of such services by the Company.

The Company makes no representations or warranties, express or implied, with respect to the quality, reliability, legality, or suitability of any Third-Party Services, or the content, products, or services offered by such third parties. The Company disclaims all responsibility for the actions, products, or services of any third-party entities or individuals and is not liable for any loss or damage caused by your reliance on or use of Third-Party Services.

User Responsibility for Third-Party Interactions

If you choose to access, interact with, or make use of any Third-Party Services available through the App, you do so at your own discretion and risk. You agree that:

You are solely responsible for reviewing, understanding, and complying with any terms, conditions, privacy policies, or other contractual obligations imposed by the respective third-party provider of the Third-Party Services;

You will not hold the Company responsible or liable for any disputes, claims, damages, or other liabilities arising out of or related to your interactions with Third-Party Services, including any purchases, orders, transactions, or communications conducted through Third-Party Services;

The Company is not liable for any personal injury, property damage, financial loss, or other harm arising from or related to your use of Third-Party Services or the content, goods, or services offered by third parties.

You agree that your exclusive remedy for any dissatisfaction with Third-Party Services lies with the respective third-party provider and not with the Company. Any questions, complaints, or claims regarding Third-Party Services should be directed to the appropriate third-party provider.

Third-Party Advertising and Promotional Content

The App may display third-party advertising, promotional content, or sponsored links (hereinafter referred to as "Third-Party Advertisements"). Such Third-Party Advertisements are provided by independent third parties and are not under the control of the Company. The Company does not endorse, guarantee, or assume any responsibility for the accuracy, legality, or appropriateness of any Third-Party Advertisements or for the products or services promoted therein.

Your interactions with Third-Party Advertisements, including but not limited to any transactions, purchases, or promotional offers, are solely between you and the respective third party. You agree that the Company shall not be liable for any losses, damages, claims, or liabilities arising from or related to your engagement with Third-Party Advertisements or any third-party products or services promoted therein.

The Company encourages you to carefully review any terms, conditions, and policies associated with Third-Party Advertisements before engaging with them or completing any transaction.

Links to Social Media Platforms

The App may allow you to share content, communicate, or engage with Third-Party Services that are social media platforms or networks (e.g., Facebook, Twitter, Instagram). Your interactions with social media platforms are governed by the terms of service and privacy policies of those respective platforms. The Company does not control or monitor the content, activity, or conduct on social media platforms and disclaims any responsibility for any loss, damage, or claims arising from your interactions with such platforms.

You are responsible for managing the privacy settings and permissions associated with your use of social media platforms, and you agree that the Company is not responsible for any breaches of privacy, misuse of data, or unauthorized access that may occur through your engagement with such platforms.

Disclaimer of Liability for Third-Party Services

The Company expressly disclaims any and all liability for any Third-Party Services accessed through or linked to the App. You acknowledge and agree that the Company shall not be held responsible or liable, directly or indirectly, for any loss, damage, injury, or claim arising from or related to:

The accuracy, legality, quality, availability, or reliability of any Third-Party Services or their content;

Any unauthorized access to, use of, or disclosure of your personal information by third-party providers of Third-Party Services;

Any failure, delay, or technical issues related to the availability or functionality of Third-Party Services;

Any acts or omissions of third parties in connection with the provision of Third-Party Services, including any goods, services, or content offered by third parties.

To the fullest extent permitted by applicable law, the Company disclaims all warranties, express or implied, with respect to Third-Party Services, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability for Third-Party Services

In no event shall the Company, its affiliates, officers, directors, employees, agents, or licensors be liable to you or any third party for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your access to or use of Third-Party Services, including but not limited to:

Loss of profits, revenue, data, goodwill, or business opportunities;

Personal injury, property damage, or financial loss;

Unauthorized access to or use of your personal information by third-party providers;

The unavailability, interruption, or malfunction of Third-Party Services.

These limitations of liability apply regardless of the legal theory under which such claims are brought, including claims in contract, tort (including negligence), strict liability, or otherwise, and whether or not the Company has been advised of the possibility of such damages.

Indemnification for Third-Party Service Use

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising out of or related to your use of Third-Party Services, including but not limited to:

Your violation of the terms, conditions, or policies of any third-party provider;

Your infringement of any intellectual property, privacy, or other rights of a third party through your use of Third-Party Services;

Any loss, damage, or injury caused by your access to or use of Third-Party Services.

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate fully in the defense of such claims.

Privacy

This section sets forth the Company's policies and practices regarding the collection, use, storage, and disclosure of your personal information in connection with the App. By accessing or using the App, you acknowledge and agree to the terms and conditions outlined in this Privacy section, as well as the separate Privacy Policy of the Company, which is incorporated herein by reference.

Collection of Personal Information

The Company may collect certain personal information from you in connection with your use of the App, including but not limited to:

Information you provide directly, such as your name, email address, telephone number, mailing address, and payment information when you register for an account or engage in transactions through the App;

Information about your use of the App, including your activity within the App, interactions with other users, and usage preferences;

Technical information, such as your device type, operating system, IP address, and location data, which may be collected automatically as you use the App.

The Company will collect, use, store, and process personal information in compliance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and other applicable Canadian or international data protection laws.

Use of Personal Information

The Company uses your personal information for a variety of purposes related to the operation and functionality of the App, including but not limited to:

Verifying your identity and maintaining your account;

Processing payments and transactions made through the App;

Providing customer support and responding to your inquiries;

Personalizing and improving your experience with the App by analyzing user behavior and preferences;

Sending you promotional communications, notifications, or advertisements, subject to your consent where required by law;

Complying with applicable legal obligations, such as tax reporting or fraud prevention.

The Company will only use your personal information for the purposes for which it was collected, unless you provide additional consent or unless otherwise required or permitted by law.

Disclosure of Personal Information

The Company may disclose your personal information to third parties under certain circumstances, including but not limited to:

Service providers or contractors who assist in the operation of the App, including payment processors, hosting providers, or technical support services, provided that such third parties are bound by contractual obligations to protect your personal information in accordance with applicable law;

Law enforcement, government agencies, or regulatory authorities, in response to legal requests or as required by applicable law, including to comply with subpoenas, court orders, or other legal processes;

Third parties in connection with the sale, merger, acquisition, or other business transfer involving the Company, provided that such third parties agree to continue to protect your personal information in accordance with this Privacy Policy.

The Company will not sell, rent, or otherwise disclose your personal information to third parties for their own direct marketing purposes without your explicit consent.

Data Security

The Company implements and maintains appropriate administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, disclosure, alteration, destruction, or misuse. These measures may include, but are not limited to:

Encryption of sensitive data both in transit and at rest using industry-standard encryption protocols;

Access controls that limit access to personal information to authorized personnel with a legitimate need to know;

Regular security audits and vulnerability assessments to identify and address potential risks to data security.

While the Company takes reasonable steps to protect your personal information, you acknowledge that no method of transmission over the Internet or method of electronic storage is completely secure, and the Company cannot guarantee the absolute security of your personal information.

Data Retention

The Company will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as otherwise required or permitted by law. This may include retaining your personal information for the duration of your account with the Company, as well as any additional period required to comply with applicable legal, regulatory, or contractual obligations.

Upon your request, or upon the termination of your account, the Company will take reasonable steps to delete or anonymize your personal information, unless the Company is required by law to retain such information.

Cookies and Tracking Technologies

The App may use cookies, web beacons, and other tracking technologies to collect information about your interactions with the App and to enhance your user experience. Cookies are small text files that are stored on your device and allow the App to recognize your device, track your usage patterns, and deliver personalized content and advertisements.

By using the App, you consent to the use of cookies and other tracking technologies in accordance with the Company's Cookie Policy. You may control the use of cookies through your browser settings, but please note that disabling certain cookies may affect the functionality of the App.

Your Privacy Rights

Depending on your jurisdiction, you may have certain rights with respect to your personal information, including but not limited to:

The right to access the personal information that the Company holds about you;

The right to request the correction or updating of inaccurate or incomplete personal information;

The right to request the deletion of your personal information, subject to certain legal or contractual limitations;

The right to withdraw your consent to the collection, use, or disclosure of your personal information, where such consent is required;

The right to lodge a complaint with a data protection authority if you believe that the Company has violated your privacy rights under applicable law.

To exercise any of these rights, you may contact the Company at [Insert Contact Information]. The Company will respond to your request in accordance with applicable privacy laws.

Privacy Policy

The Company's detailed Privacy Policy, which governs the collection, use, and disclosure of your personal information, is available [here] and is incorporated by reference into this Agreement. By using the App, you acknowledge that you have read and understood the Privacy Policy, and that you agree to the terms set forth therein.

The Company reserves the right to modify or update its Privacy Policy at any time, and such modifications will become effective upon posting. Your continued use of the App following the posting of any changes to the Privacy Policy will constitute your acceptance of those changes.

International Data Transfers

The personal information you provide to the Company may be transferred to, processed, and stored in countries outside of your jurisdiction, including countries that may not provide the same level of data protection as your home country. By using the App, you consent to the transfer of your personal information to other jurisdictions, in accordance with applicable privacy laws and this Privacy Policy.

The Company will take reasonable steps to ensure that any transfer of your personal information to third parties located outside of your jurisdiction is protected by appropriate safeguards, such as standard contractual clauses approved by relevant data protection authorities.

Contact Information for Privacy Inquiries

If you have any questions, concerns, or requests regarding your privacy or the Company's data protection practices, you may contact the Company at:

Credwise Financial Inc.
Edmonton, Alberta, Canada
Attn: Privacy Officer
Email: admin@credwise.ca
Telephone: 825-785-4124

Disclaimer of Warranties

This section outlines the limitations and exclusions of any warranties related to your use of the App. By accessing and using the App, you acknowledge and agree to the terms set forth herein, which limit the Company's liability and the extent of any warranties provided to Users.

No Warranty of Availability or Functionality

The App, including all content, services, features, and functionalities offered or made available through the App, is provided on an "as is" and "as available" basis, without any warranties or representations of any kind, express or implied. The Company does not warrant or guarantee that:

The App will be continuously available, accessible, or free from interruptions, delays, outages, or technical malfunctions;

The App will be error-free, bug-free, or free from defects, viruses, malware, or other harmful components;

Any information, data, or content provided or accessible through the App will be accurate, complete, reliable, or up to date;

Any issues, defects, or errors with the App will be corrected, whether identified by the User or the Company.

You acknowledge and agree that the Company is not responsible or liable for any delays, interruptions, or failures in the availability or performance of the App caused by factors beyond the Company’s reasonable control, including but not limited to internet outages, cyberattacks, system overloads, or network disruptions.

Disclaimer of Implied Warranties

To the fullest extent permitted by applicable law, the Company expressly disclaims any and all warranties, whether express or implied, including but not limited to:

Implied warranties of merchantability, fitness for a particular purpose, non-infringement, quiet enjoyment, accuracy of data, and title;

Any warranties arising from a course of dealing, usage of trade, or performance;

Any warranties that the App or its content will meet your specific requirements, expectations, or intended use.

No oral or written information, statement, or advice provided by the Company, its affiliates, employees, agents, contractors, or representatives shall create any warranty or be relied upon as a warranty, unless expressly set forth in this Agreement. The Company makes no warranties, express or implied, that your use of the App will result in any specific outcome or result.

Limitation of Data Accuracy and Security Warranties

You acknowledge and agree that any information, data, or content you access, download, or obtain through the App is done at your own discretion and risk. The Company makes no representations or warranties regarding:

The accuracy, completeness, reliability, or timeliness of any information or data available through the App, including any user-generated content, third-party content, or promotional materials;

The security, privacy, or confidentiality of any communications, transmissions, or data shared or stored within the App.

The Company does not guarantee or warrant that any personal information, financial data, or other sensitive information transmitted through the App will remain secure from unauthorized access, disclosure, or misuse. By using the App, you acknowledge and assume the risks associated with transmitting and storing data through electronic means, including the risk of interception or unauthorized access by third parties.

Disclaimer of Warranty for Third-Party Services

The Company makes no warranties or representations, express or implied, regarding any third-party services, links, advertisements, or content made available through or in connection with the App. This includes, but is not limited to:

Any products, services, or offers provided by third parties that are accessible through links or promotions within the App;

The quality, legality, reliability, or availability of any third-party websites, services, or content;

Any representations, warranties, or obligations made by third parties regarding their services, products, or content.

Your interactions with third-party services, including any transactions, purchases, or engagements, are conducted solely between you and the respective third-party provider. The Company disclaims any liability for any loss, damage, or claims arising from your use of third-party services.

No Warranty of Compatibility

The Company makes no representations or warranties that the App is compatible with all devices, operating systems, or software environments. You are solely responsible for ensuring that your device and any related software or hardware are compatible with the App. The Company disclaims any liability for any issues arising from:

Device incompatibility, insufficient memory, or other hardware or software limitations that may affect the performance or availability of the App;

System updates, patches, or modifications to your device’s operating system that affect the functionality of the App;

Any damage or issues arising from the installation or use of the App on your device.

The Company may, at its sole discretion, make updates, upgrades, or changes to the App that alter its functionality or compatibility with certain devices, without prior notice to Users.

No Warranty for Loss or Corruption of Data

You acknowledge and agree that the Company shall not be responsible or liable for any loss, deletion, corruption, or alteration of any data, content, or information that you upload, store, or share within the App. This includes, but is not limited to, any loss or damage resulting from:

System failures, crashes, or technical errors that result in data loss or corruption;

Unauthorized access, hacking, or other malicious activities that compromise the integrity of your data;

The deletion, modification, or alteration of data due to user error, misuse, or technical limitations.

The Company recommends that you maintain backup copies of any important data, content, or information, as the Company does not guarantee the preservation or restoration of any data that may be lost or damaged.

Disclaimer of Legal, Financial, or Professional Advice

The content and information provided through the App are intended solely for general informational and entertainment purposes and do not constitute legal, financial, professional, or other advice. You acknowledge and agree that:

The Company does not provide legal, financial, tax, or other professional services through the App;

Any reliance on information provided through the App is at your own risk;

You should seek the advice of qualified professionals regarding any legal, financial, or other matters related to your use of the App.

The Company disclaims any liability for any loss, damage, or claims arising from your reliance on any information or content provided through the App.

Exclusions Not Permitted by Law

Some jurisdictions do not allow the exclusion or limitation of certain warranties, including implied warranties or warranties of merchantability or fitness for a particular purpose. To the extent that applicable law in your jurisdiction does not allow the exclusion or limitation of such warranties, the provisions of this section may not apply to you. However, all other disclaimers, exclusions, and limitations set forth in this Agreement shall remain in full force and effect to the maximum extent permitted by applicable law.

Limitation of Liability

This section governs the extent of the Company’s liability with respect to your use of the App and the services, content, or materials provided therein. By accessing and using the App, you expressly acknowledge and agree to the limitations and exclusions of liability set forth below, which reflect a reasonable allocation of risk between you and the Company.

Exclusion of Certain Types of Damages

To the fullest extent permitted by applicable law, in no event shall Credwise Financial Inc. (hereinafter referred to as the “Company”), its affiliates, officers, directors, employees, agents, contractors, or licensors be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, whether arising in contract, tort (including negligence), strict liability, or otherwise, including but not limited to:

Loss of profits, revenue, data, goodwill, or business opportunities;

Business interruption, downtime, or lost productivity;

Any unauthorized access to, use of, or alteration of your transmissions or data;

Damage to your computer, mobile device, or other property resulting from your use of the App;

Any delay, failure, or malfunction in performance resulting from events beyond the Company’s control, including but not limited to acts of God, war, terrorism, cyberattacks, government restrictions, or natural disasters.

These limitations apply regardless of whether the Company has been advised of the possibility of such damages or whether such damages were foreseeable.

Limitation of Liability for Monetary Damages

To the fullest extent permitted by applicable law, the total aggregate liability of the Company, its affiliates, officers, directors, employees, agents, contractors, and licensors to you for any claims arising out of or related to this Agreement, your use of the App, or any content, services, or features provided through the App shall not exceed the greater of:

The amount you have paid, if any, to the Company in connection with your use of the App during the twelve (12) months preceding the date on which the claim arose; or

One hundred Canadian dollars (CAD $100).

You agree that the foregoing limitation constitutes a reasonable allocation of risk and that it applies even if this remedy fails of its essential purpose.

No Liability for Third-Party Actions

The Company shall not be liable for any actions, omissions, errors, or conduct of third parties, including but not limited to:

Third-party service providers, advertisers, or other external entities providing goods, services, or content through the App;

Third-party websites, applications, or platforms that may be accessed through links or integrations within the App;

Other users of the App, including any content, communications, or interactions with other users.

Your interactions with third-party entities, whether through the App or independently, are at your sole risk, and the Company disclaims all liability for any loss, damages, claims, or injuries resulting from such interactions.

Exclusion of Liability for Certain Activities

The Company shall have no liability for any damages, losses, or claims arising from or related to the following activities:

Your failure to comply with this Agreement or any applicable laws, regulations, or policies;

Your use of the App in a manner that violates the rights of any third party, including intellectual property rights, privacy rights, or contractual rights;

Your reliance on any information, advice, or recommendations provided through the App, whether by the Company, other users, or third parties;

Your failure to take adequate precautions to secure your personal information, account credentials, or data while using the App;

Any modifications, alterations, or unauthorized access to the App by third parties, including hacking, malware, or other malicious activities.

You are solely responsible for ensuring that your use of the App complies with all applicable laws, and you assume all risks associated with such use.

Release of Claims

To the fullest extent permitted by applicable law, you hereby release the Company, its affiliates, officers, directors, employees, agents, contractors, and licensors from any and all claims, demands, actions, liabilities, damages, losses, and expenses arising out of or related to:

Any disputes between you and other users of the App, including disputes over content, communications, or transactions;

Any third-party services, websites, or content that you access through the App;

Any issues or damages resulting from your reliance on information, data, or content provided through the App.

If you are a California resident, you expressly waive your rights under California Civil Code Section 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor or released party.”

Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, contractors, and licensors from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising out of or related to:

Your use or misuse of the App, including any content or data that you submit, upload, or transmit through the App;

Your violation of this Agreement, any applicable laws, or the rights of any third party, including intellectual property rights and privacy rights;

Your participation in any transactions, offers, or promotions facilitated through the App;

Your failure to safeguard your account credentials, data, or communications while using the App.

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate fully in the defense of any such claims.

Exclusions Not Permitted by Law

Some jurisdictions do not allow the exclusion or limitation of certain types of damages, such as incidental or consequential damages. To the extent that applicable law in your jurisdiction does not allow for such exclusions or limitations, the provisions of this section may not apply to you. However, all other exclusions, limitations, and disclaimers of liability set forth in this Agreement shall remain in full force and effect to the maximum extent permitted by law.

Time Limit on Claims

You agree that any claim or cause of action arising out of or related to your use of the App, this Agreement, or any content, services, or features provided through the App must be filed within one (1) year after the claim or cause of action arose. If such claim or cause of action is not filed within the applicable time period, you agree that it shall be forever barred.

Indemnification

This section sets forth your obligations to indemnify, defend, and hold harmless the Company from and against any and all claims, liabilities, losses, damages, and expenses that may arise in connection with your use of the App. By using the App, you expressly acknowledge and agree to the indemnification obligations set forth herein, which serve to protect the Company from legal and financial exposure.

General Indemnification Obligations

You agree to indemnify, defend, and hold harmless Credwise Financial Inc. (hereinafter referred to as the “Company”), its affiliates, officers, directors, employees, agents, contractors, licensors, and representatives from and against any and all claims, demands, actions, liabilities, damages, losses, judgments, awards, fines, penalties, costs, and expenses (including reasonable attorney’s fees and court costs) arising out of or related to:

Your access to or use of the App, including but not limited to any content, data, or information that you upload, transmit, store, or otherwise make available through the App;

Your violation of this Agreement, any applicable laws, regulations, or third-party rights, including intellectual property rights, privacy rights, and contractual rights;

Your failure to comply with applicable legal obligations, including but not limited to data protection laws, financial reporting obligations, and consumer protection regulations;

Your participation in any transactions, offers, promotions, or other activities facilitated through the App, including any disputes arising between you and other users or third parties;

Your use or misuse of any Third-Party Services, content, or advertisements accessible through the App, and any claims arising out of your interactions with third-party providers or services.

The indemnification obligations set forth herein shall apply regardless of whether the claim, demand, or action arises out of your negligent, intentional, or otherwise wrongful conduct, and shall survive the termination of your account and your use of the App.

Indemnification for Intellectual Property Infringement

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, agents, contractors, and licensors from and against any and all claims, demands, actions, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising from or related to:

Any allegation that your use of the App, or any content, data, or materials you upload, submit, or transmit through the App, infringes upon, misappropriates, or violates the intellectual property rights of any third party, including but not limited to copyright, trademark, patent, or trade secret rights.

You agree to immediately cease any infringing activity upon notice from the Company, and to cooperate fully in the defense or resolution of any intellectual property infringement claim. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any such claim, and you agree to cooperate fully with the Company in the defense of such claims.

Defense and Settlement of Claims

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification under this Agreement. In such cases, you agree to:

Cooperate fully with the Company in the defense or settlement of any claim, demand, action, or proceeding;

Provide timely and accurate information, documentation, and testimony as reasonably requested by the Company;

Refrain from settling any claim, demand, or action without the prior written consent of the Company.

The Company shall have the sole discretion to determine whether to settle any claim or proceeding and on what terms. Any settlement of a claim or action shall not require your prior approval, provided that the settlement does not impose any financial obligations or liability on you beyond those covered by your indemnification obligations under this Agreement.

Scope of Indemnification

Your indemnification obligations under this section extend to all claims, demands, actions, and liabilities, regardless of whether they arise from third-party claims, government enforcement actions, or any other legal or regulatory proceedings. This includes claims for:

Breach of contract or violation of this Agreement;

Negligence, recklessness, or intentional misconduct;

Violation of applicable laws or regulations, including but not limited to data protection, consumer protection, intellectual property, and privacy laws;

Personal injury, death, or property damage arising from your use of the App or any content, data, or materials you provide through the App.

The indemnification provisions set forth in this section shall survive the termination of your account, the termination of this Agreement, and your cessation of use of the App.

Limitation of Indemnification Obligations

To the extent permitted by applicable law, your indemnification obligations shall not apply to the extent that any claims, demands, actions, or liabilities arise from the Company’s gross negligence, willful misconduct, or material breach of this Agreement. However, you acknowledge and agree that:

You shall remain liable for your own conduct and the conduct of any third parties acting on your behalf or under your account;

Your indemnification obligations shall apply to any and all damages, losses, and expenses incurred by the Company as a result of your breach of this Agreement, regardless of whether such breach was intentional or unintentional.

In the event that your indemnification obligations are limited by applicable law, such limitations shall not affect the enforceability of any other provisions of this Agreement.

Notification of Claims

In the event that the Company becomes aware of any claim, demand, action, or proceeding that may give rise to indemnification under this Agreement, the Company shall promptly notify you of the claim and provide reasonable cooperation and assistance in the defense of the claim. However, the Company’s failure to provide timely notice shall not relieve you of your indemnification obligations, except to the extent that such failure materially prejudices your ability to defend the claim.

You shall promptly notify the Company of any claims or proceedings brought against you by third parties that may impact the Company’s rights or interests under this Agreement. Failure to provide such notice shall not relieve the Company of its obligations under this Agreement, except to the extent that such failure materially prejudices the Company’s ability to defend or respond to the claim.

Insurance Coverage

You acknowledge and agree that the Company may, but is not obligated to, maintain insurance coverage to mitigate the risks associated with claims, demands, or liabilities arising from the use of the App. However, such insurance coverage does not diminish or limit your indemnification obligations under this Agreement, and you agree to remain fully responsible for any indemnifiable claims or actions, regardless of the Company’s insurance coverage.

You are encouraged to obtain your own insurance coverage to mitigate the risks associated with your use of the App, including liability insurance, data protection insurance, or any other relevant policies, depending on your individual circumstances and legal obligations.

No Waiver of Indemnification Rights

The failure of the Company to enforce any provision of this section or to exercise its rights under this Agreement shall not constitute a waiver of the Company’s right to enforce the indemnification obligations set forth herein at any time. The Company reserves the right to enforce its indemnification rights to the fullest extent permitted by law.

You agree that the indemnification provisions set forth in this section shall be construed broadly in favor of protecting the Company’s interests and shall apply to all claims, actions, liabilities, and expenses arising from your use of the App, your conduct, and your breach of this Agreement.

Termination

This section governs the circumstances under which this Agreement, your access to the App, and your account may be suspended or terminated by the Company. By using the App, you acknowledge and agree to the termination provisions set forth below, which grant the Company the right to enforce the termination of your access under certain conditions.

Termination by the Company

The Company reserves the right, in its sole discretion, to suspend, restrict, or terminate your account and access to the App, with or without notice, for any reason or for no reason, including but not limited to the following circumstances:

Your violation or breach of any term or condition of this Agreement or any other policy, guideline, or rule governing your use of the App;

Your failure to comply with applicable laws, regulations, or legal obligations related to your use of the App;

Your use of the App in a manner that violates the rights of any third party, including intellectual property rights, privacy rights, or contractual rights;

Your engagement in fraudulent, unlawful, or abusive activity, including but not limited to hacking, phishing, or any other attempts to compromise the integrity or security of the App or the accounts of other users;

Your failure to pay any fees or charges owed to the Company for services or products accessed through the App, if applicable.

The Company shall not be liable to you or any third party for any suspension or termination of your account or access to the App, and you agree to release the Company from any claims or damages arising from such suspension or termination.

Termination by the User

You may terminate your account and cease your use of the App at any time by providing written notice to the Company or by following the account deletion procedures outlined within the App. Upon termination of your account, you must immediately discontinue all access to and use of the App and delete any copies of the App from your devices.

Your termination of your account will not relieve you of any payment obligations, indemnification duties, or other ongoing responsibilities that accrued prior to the termination of your account, and you acknowledge that the provisions of this Agreement that, by their nature, should survive termination will continue to apply after the termination of your account.

Effects of Termination

Upon termination of your account, whether by the Company or by you:

All rights and licenses granted to you under this Agreement shall immediately cease;

You shall no longer have access to any data, content, or information associated with your account, including any saved preferences, transaction history, or user-generated content;

The Company reserves the right to retain or delete any data or information related to your account, in accordance with the Company’s data retention policies and applicable laws;

The Company may, but is not obligated to, provide you with access to any data, content, or materials associated with your account after termination.

You acknowledge and agree that the Company shall have no liability for any loss or damages arising from the termination of your account or the deletion of any data, content, or materials associated with your account. You are solely responsible for maintaining backup copies of any important data or content that you wish to retain after the termination of your account.

Survival of Provisions

Notwithstanding the termination of your account or your access to the App, certain provisions of this Agreement shall survive and continue to apply, including but not limited to:

Provisions related to intellectual property rights, including ownership of content and App materials;

Provisions related to indemnification, limitation of liability, and disclaimer of warranties;

Provisions related to governing law, dispute resolution, and jurisdiction;

Any other provisions that, by their nature, are intended to survive termination.

The termination of this Agreement shall not relieve you or the Company of any obligations that accrued prior to termination, including any payment obligations, indemnification responsibilities, or other liabilities.

Reinstatement of Account

The Company reserves the right, in its sole discretion, to reinstate or reactivate your account after termination, subject to any conditions, restrictions, or requirements that the Company deems appropriate. Any reinstatement of your account shall not relieve you of any prior obligations or liabilities under this Agreement, and the Company reserves the right to impose additional terms or conditions upon reinstatement.

The Company is under no obligation to reinstate your account, and any request for reinstatement shall be considered at the Company’s sole discretion.

Termination of App Services

The Company reserves the right, at any time and without prior notice, to modify, suspend, or terminate the operation of the App or any portion thereof, including any features, services, or content provided through the App. In the event that the App is terminated, the Company shall have no obligation to provide any compensation, reimbursement, or damages to users of the App, and you agree to release the Company from any claims arising from the termination of the App’s services.

If the Company decides to discontinue or terminate the App’s services, the Company may provide notice to you through reasonable means, including in-App notifications, email communications, or announcements on the Company’s website. However, the Company is under no obligation to provide such notice, and the termination of the App may occur without prior warning.

No Refunds Upon Termination

Upon the termination of your account, whether by the Company or by you, you agree that any fees, payments, or charges made to the Company for access to the App or related services are non-refundable. This includes, but is not limited to:

Any subscription fees, transaction fees, or service charges paid in connection with your account;

Any payments made for in-App purchases, digital goods, or promotional offers;

Any other fees or charges related to your use of the App.

The Company reserves the right to determine, in its sole discretion, whether any exceptions or adjustments to this refund policy may apply. However, you acknowledge that, in general, all fees and payments are non-refundable upon termination of your account.

Breach and Termination for Cause

In the event that you breach any material provision of this Agreement, the Company reserves the right to terminate your account immediately and without notice. Such termination may occur as a result of:

Your violation of intellectual property rights, privacy rights, or other legal rights of the Company or third parties;

Your failure to comply with applicable laws, including but not limited to data protection, anti-fraud, or consumer protection laws;

Your engagement in any unlawful, fraudulent, abusive, or otherwise harmful activity in connection with your use of the App.

Termination for cause shall not relieve you of any obligations or liabilities that accrued prior to the termination, and the Company reserves the right to pursue all available legal remedies in response to your breach of this Agreement.

Legal Consequences of Termination

Upon termination of your account, you agree that the Company shall have the right to pursue any legal remedies available under applicable law in connection with your breach of this Agreement, including but not limited to seeking injunctive relief, damages, and other equitable remedies.

You further acknowledge and agree that the Company’s decision to terminate your account shall not preclude the Company from pursuing any legal or regulatory actions against you, including the reporting of unlawful conduct to law enforcement authorities or regulatory agencies.

Governing Law and Dispute Resolution

This section governs the applicable laws, jurisdiction, and methods for resolving disputes between you and the Company. By accessing and using the App, you expressly agree to the governing law and dispute resolution procedures set forth herein, which are intended to provide a fair and legally enforceable framework for resolving disputes.

Governing Law

This Agreement, including all matters related to its formation, interpretation, execution, performance, and enforcement, shall be governed by and construed in accordance with the laws of the Province of Alberta, without regard to its conflict of law principles. In cases where federal law may apply, this Agreement shall also be subject to the applicable laws of Canada.

You acknowledge and agree that the laws of Alberta, Canada, shall exclusively govern any disputes or legal actions arising out of or related to this Agreement or your use of the App, and that such laws shall apply regardless of your location or residency.

13.2 Jurisdiction and Venue

You agree that any and all disputes, claims, or causes of action arising out of or relating to this Agreement, the App, or any related services or products shall be resolved exclusively in the courts of the Province of Alberta, Canada, located in the city of Edmonton.

You hereby consent to the personal jurisdiction and venue of such courts, and you waive any objections to the jurisdiction, venue, or convenience of such courts. If any such dispute, claim, or cause of action is required to be adjudicated in a federal court, it shall be submitted to the appropriate federal court in Alberta, Canada.

Informal Dispute Resolution

Before initiating any formal legal proceeding, you agree to first contact the Company to attempt to resolve the dispute through good faith informal discussions. You shall send written notice of any dispute to the Company’s legal department at Credwise Financial Inc., Attn: Legal Department, [Insert Full Legal Address], or via email at [Insert Legal Contact Email].

The Company will have sixty (60) days from the date of receipt of your notice to resolve the dispute through informal negotiations. If the parties are unable to resolve the dispute within such time period, either party may proceed with formal legal action in accordance with the provisions of this section.

Binding Arbitration

If informal dispute resolution fails, and except as provided otherwise herein, you and the Company agree to resolve any disputes, claims, or controversies arising out of or relating to this Agreement or the App, through binding arbitration administered by a recognized arbitration institution, in accordance with the Arbitration Act of Alberta or any equivalent legislation then in effect.

The arbitration shall be conducted by a single arbitrator, mutually agreed upon by the parties, who has expertise in the subject matter of the dispute. The arbitration proceedings shall be held in Edmonton, Alberta, unless otherwise agreed upon by the parties, and the arbitration shall be conducted in the English language.

The arbitrator’s decision shall be final and binding on both parties, and judgment on the arbitration award may be entered in any court of competent jurisdiction. The costs of the arbitration, including the arbitrator’s fees, shall be shared equally by both parties unless the arbitrator determines that one party should bear a greater share of such costs.

Class Action Waiver

You expressly agree that any dispute resolution proceedings, whether in arbitration or in court, will be conducted solely on an individual basis and not as part of a class, consolidated, or representative action. You agree to waive any right to participate in or pursue claims as a representative or member of a class action or any other collective proceeding.

If this class action waiver is found to be unenforceable or invalid in any jurisdiction, any class action claims shall be adjudicated exclusively by a court of competent jurisdiction in Edmonton, Alberta, and not through arbitration.

Exceptions to Arbitration

Notwithstanding the binding arbitration provision, the Company reserves the right to seek injunctive relief, specific performance, or other equitable remedies in any court of competent jurisdiction when necessary to protect its intellectual property, confidential information, or other proprietary rights.

Additionally, nothing in this section shall preclude either party from seeking provisional remedies, such as preliminary injunctions or temporary restraining orders, in a court of competent jurisdiction in connection with any matter subject to arbitration under this Agreement.

Limitation on Claims

You agree that any claim or cause of action arising out of or related to this Agreement, the App, or your use of the App must be filed within one (1) year after the claim or cause of action arose. If such claim or cause of action is not filed within the applicable time period, you agree that it shall be forever barred.

This limitation applies regardless of whether the claim or cause of action is based on contract, tort, statute, or any other legal or equitable theory.

Attorneys’ Fees

In the event of any dispute arising from or related to this Agreement, the prevailing party shall be entitled to recover reasonable attorneys’ fees and costs in addition to any other relief to which such party may be entitled. The determination of the prevailing party shall be made by the arbitrator, court, or other adjudicating body, as applicable, and such fees and costs shall be awarded in accordance with applicable laws.

Entire Agreement

This section governs the interpretation and scope of the Agreement between you and the Company, making clear that this Agreement constitutes the full and complete understanding between the parties. By using the App, you expressly acknowledge and agree to the terms of this section, which limits your reliance on any other representations or agreements not expressly contained herein.

Complete Agreement

This Agreement, together with any additional terms, policies, disclaimers, or agreements referenced herein, constitutes the entire and exclusive agreement between you and Credwise Financial Inc. (hereinafter referred to as the “Company”) concerning your access to and use of the App, and supersedes and replaces all prior or contemporaneous agreements, understandings, representations, negotiations, or communications, whether written or oral, regarding the subject matter of this Agreement.

You expressly agree that no other terms, conditions, or provisions not contained within this Agreement shall be binding on the Company, unless expressly agreed to in writing by the Company. Any statements or representations made by any employees, agents, or representatives of the Company that are not explicitly incorporated into this Agreement shall have no legal force or effect.

No Reliance on External Representations

You acknowledge and agree that you have not relied upon any representations, warranties, or statements, whether oral or written, made by the Company or any third party, that are not expressly set forth in this Agreement. This includes, but is not limited to, any claims regarding the performance, functionality, suitability, or reliability of the App, or any promises of future features, updates, or improvements.

You further agree that the Company shall not be liable for any statements, representations, or promises made by third parties or other users of the App, including any user-generated content, reviews, or testimonials. The Company makes no representations or warranties regarding the accuracy, reliability, or completeness of any third-party content, and you agree to rely on such content at your own risk.

No Amendments or Modifications

Except as expressly provided in this Agreement, this Agreement may not be amended, modified, or supplemented by you, unless such modification is agreed to in writing and signed by an authorized representative of the Company. Any attempt by you to unilaterally modify this Agreement, or to impose additional terms or conditions upon your use of the App, shall be null and void.

The Company reserves the right, in its sole discretion, to modify, amend, or update this Agreement at any time, with or without notice to you, in accordance with Section 15 of this Agreement. Your continued use of the App after any modifications or updates have been posted shall constitute your acceptance of such modifications.

No Waiver

The failure of the Company to enforce any provision of this Agreement, or to exercise any right, remedy, or option available to it under this Agreement, shall not be construed as a waiver of the Company’s rights to enforce such provision in the future, or to exercise any other rights, remedies, or options available to it at any time.

Any waiver by the Company of any breach or violation of this Agreement by you shall not constitute a waiver of any future breach or violation, whether of the same or a different provision of this Agreement. The Company reserves the right to enforce this Agreement at its discretion, and any delay or omission in doing so shall not impair the Company’s ability to enforce its rights in the future.

Severability

If any provision of this Agreement is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be severed from this Agreement, and the remaining provisions of this Agreement shall continue in full force and effect. The severed provision shall be interpreted and applied in a manner that most closely reflects the original intent of the parties, to the extent permitted by applicable law.

The parties expressly agree that the invalidity, illegality, or unenforceability of any provision of this Agreement shall not affect the validity, legality, or enforceability of the remaining provisions, and that the Agreement as a whole shall continue to govern the relationship between the parties.

Assignment

You may not assign, transfer, or delegate this Agreement or any of your rights, obligations, or duties under this Agreement without the prior written consent of the Company. Any attempt to assign, transfer, or delegate this Agreement in violation of this provision shall be null and void.

The Company reserves the right to assign, transfer, or delegate this Agreement, in whole or in part, to any third party, including but not limited to successors, affiliates, or entities acquiring control of the Company through merger, acquisition, or other corporate restructuring, without notice or consent. This Agreement shall be binding upon and inure to the benefit of the Company’s successors and permitted assigns.

Headings for Convenience

The headings and titles used in this Agreement are provided for convenience only and shall not be used to construe or interpret any provision of this Agreement. The headings do not form part of the substantive provisions of this Agreement and shall not affect the meaning or interpretation of any section or provision herein.

Independent Contractors

You acknowledge and agree that your relationship with the Company, as established by this Agreement, is that of an independent contractor. Nothing in this Agreement shall create or imply any partnership, joint venture, agency, or fiduciary relationship between you and the Company, nor shall this Agreement be construed to establish any employer-employee or principal-agent relationship.

You further agree that neither you nor the Company shall have the authority to bind the other party in any way, to incur any obligations or liabilities on behalf of the other party, or to make any representations or warranties on behalf of the other party, except as expressly provided in this Agreement.

Modifications to the Agreement

This section outlines the Company's right to modify, amend, or update the terms and conditions of this Agreement. By using the App, you expressly agree to be bound by any changes to this Agreement, and you acknowledge the procedures and obligations associated with those changes as set forth below.

Right to Modify

The Company reserves the right, in its sole discretion, to modify, amend, update, or otherwise revise any portion of this Agreement at any time, with or without prior notice to you. Such modifications may include, but are not limited to, changes in the features, functionality, services, or content available through the App, as well as changes in any policies, terms, or conditions governing your use of the App.

You acknowledge and agree that the Company may modify this Agreement at any time and for any reason, including in response to changes in applicable laws, technological developments, business practices, or the needs of the Company or its users. The Company shall have no obligation to notify you of such modifications other than as provided herein.

Effective Date of Modifications

Any modifications, amendments, or updates to this Agreement shall become effective immediately upon their posting within the App or on the Company’s website, unless otherwise stated in the notice of modification. The Company may, but is not required to, notify you of such changes through email, in-App notifications, or other reasonable means of communication.

You agree that your continued access to and use of the App after the effective date of any modifications shall constitute your acceptance of the updated Agreement. If you do not agree to the modified terms, you must discontinue your use of the App immediately and terminate your account in accordance with Section 12 of this Agreement.

User Responsibility to Review Changes

It is your sole responsibility to review this Agreement regularly and to remain informed of any changes. The Company recommends that you periodically review this Agreement to ensure that you are aware of any updates that may affect your rights, obligations, or access to the App.

The Company is not responsible for your failure to review the Agreement or any modifications thereto, and you agree that any such failure shall not relieve you of your obligations under this Agreement, as modified. Your use of the App following the posting of any modifications shall constitute your binding acceptance of such modifications.

Scope of Modifications

The modifications to this Agreement may affect various aspects of your use of the App, including but not limited to:

Changes in the fees, pricing, or payment terms associated with any services or products offered through the App;

Updates to the App’s features, services, functionality, or user interface;

Changes to the Company’s policies regarding user-generated content, privacy, or security practices;

Revisions to the dispute resolution, arbitration, or governing law provisions of this Agreement;

Other terms or conditions governing your relationship with the Company.

The Company shall have the right to determine the scope and extent of any modifications at its sole discretion, and you acknowledge and agree that the Company’s right to modify the Agreement is broad and encompasses all aspects of your relationship with the Company.

Binding Nature of Modifications

You acknowledge and agree that any modifications, amendments, or updates to this Agreement are binding upon you as of the effective date of such modifications, regardless of whether you have reviewed or been made aware of the specific changes. You further agree that the Company shall not be liable for any damages or claims arising from your failure to review or accept the modified terms.

In the event that you do not agree to any modification, amendment, or update to this Agreement, your sole remedy is to cease using the App and terminate your account in accordance with Section 12. The Company shall have no obligation to provide you with any refunds, credits, or compensation for any discontinued services or terminated accounts resulting from your decision not to accept the modified terms.

Material Changes

If the Company makes any material changes to this Agreement, as determined in its sole discretion, the Company may, but is not obligated to, provide you with additional notice of such changes. Material changes may include significant modifications to the pricing, payment terms, or dispute resolution provisions of this Agreement.

The Company may provide such notice through email, in-App notifications, or other reasonable means, but is under no obligation to do so. Your continued use of the App after the effective date of any material changes shall constitute your acceptance of such changes, and you agree that your failure to review or acknowledge such changes does not exempt you from being bound by them.

No Retroactive Changes

Any modifications to this Agreement shall apply prospectively, from the effective date forward, unless otherwise specified in the notice of modification. The Company shall not apply any changes to this Agreement retroactively, and any rights, obligations, or responsibilities accrued under prior versions of this Agreement shall remain intact unless specifically modified by the Company.

You agree that any claims, disputes, or causes of action arising prior to the effective date of any modifications shall be governed by the version of the Agreement in effect at the time the claim, dispute, or cause of action arose.

Contact Information

If you have any questions or concerns regarding this Agreement, please contact us at:

Credwise Financial Inc.
Edmonton, Alberta, Canada
Email: admin@credwise.ca
Telephone: 825-785-4124