Credwise Terms of Use

Implications

• You must be at least 13 years old to use Credwise.
• Your account can be terminated at any time without notice.
• You can register using a third-party account like Apple App Store or Google Play.
• Mandatory arbitration provision and class action waiver are included.
• You retain all rights to your User Content.
• You grant Credwise a perpetual, revocable, nonexclusive, royalty-free license to use your User Content.
• Credwise uses machine learning and data analytics to help manage your finances.
• Prepaid cards associated with Credwise are issued by LivQuik.
• Small PPIs have a monthly load limit of Rs.10,000 and an annual limit of Rs.1,20,000.
• Full-KYC PPIs have a maximum balance limit of Rs.2,00,000.
• Cash withdrawal from Small PPIs is not permitted.
• Full-KYC PPIs allow cash withdrawal up to Rs.2,000 per transaction with a monthly limit of Rs.10,000.
• Prepaid cards are valid for 5 years or until the expiry date printed on the card.
• Expired cards can be reissued or refunded.
• No specific fees are currently applied, but this may change.
• You are responsible for regularly checking LivQuik's policies for updates.
• You must maintain the security of your account login information.
• Credwise may include virtual services or tools that can be licensed for a fee.
• No refunds are provided for purchased content for any reason.
• Credwise may change these terms at any time, and you are expected to check for updates.
• You agree to receive electronic communications from Credwise.
• Credwise may terminate your right to use the app at any time without notice.
• You can opt out of promotional emails and push notifications.
• Credwise is provided "as is" without warranties of any kind.
• Credwise is not liable for any indirect, consequential, or special damages.
• The total liability of Credwise is limited to the amount you paid to use the app or $10.
• Disputes are governed by the laws of California and resolved in Karnataka courts.
• You must comply with any applicable third-party terms when using the app.
• Credwise can modify, suspend, or discontinue the app at any time.
• You are responsible for your conduct while using Credwise.
• Credwise has the right to monitor your use of the app to ensure compliance with these terms.
• Credwise may consult and cooperate with law enforcement authorities to prosecute users who violate applicable law.
• You may not upload, edit, create, store, or share any User Content that violates these terms.
• You may not use Credwise for any illegal or unauthorized purpose.
• You may not circumvent any content-filtering techniques employed by Credwise.
• You may not develop or use any third-party applications that interact with Credwise without prior written consent.
• You may not gain unauthorized access to, interfere with, damage, or disrupt any server, computer, or database connected to Credwise.
• You may not use any meta tags or other hidden text or metadata utilizing the Company's trademark without express written consent.
• You may not display, mirror, or frame Credwise without express written consent.
• You may not use any data mining, robots, or similar data gathering or extraction methods.
• You may not modify the Credwise Content or remove any proprietary rights notices or markings.
• You may not sell, resell, or commercially use Credwise or the Credwise Content.
• You may not copy, reproduce, distribute, publicly perform, or publicly display the Credwise Content without permission.

Data Collection

• Mobile number
• Name
• Unique identity/identification number
• Account login information
• User Content

Things to watch out for

• Your account can be terminated at any time without notice.
• Mandatory arbitration provision and class action waiver are included.
• No refunds are provided for purchased content for any reason.
• You grant Credwise a perpetual, revocable, nonexclusive, royalty-free license to use your User Content.
• You are responsible for regularly checking LivQuik's policies for updates.

FAQs

What happens if my account is terminated?

Your right to use Credwise will be revoked, and you will lose access to any data or content associated with your account.

Can I get a refund for purchased content?

No, Credwise does not provide refunds for purchased content for any reason.

What data does Credwise collect?

Credwise collects your mobile number, name, unique identity/identification number, account login information, and any User Content you upload.