Terms of Service
Last Updated: April 1, 2025

Welcome to CredoChain.net, a platform operated by CredoChain LTD that offers crypto-backed loans at competitive interest rates. Please read these Terms of Service ("Terms") carefully before using our website and services. By accessing or using our platform, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using CredoChain.net, you confirm that you are at least 18 years old (or the age of majority in your jurisdiction), and you agree to comply with these Terms and all applicable laws and regulations.

If you do not agree with any part of these Terms, please do not use our services.

2. Services Provided

CredoChain LTD offers crypto-backed loan services, enabling users to deposit supported digital assets as collateral and receive loans in stablecoins or fiat equivalents. Loan approval and terms are subject to collateral value, market conditions, and compliance procedures.

3. Account Registration and Verification

To access our services, you must create an account and complete identity verification (KYC/AML). You agree to provide accurate, current, and complete information and to update your information as needed.

We reserve the right to suspend or terminate accounts that provide false information or violate our policies.

4. Loan Terms

Loan terms (including interest rate, duration, LTV ratio, and repayment schedule) are clearly presented before confirmation. By accepting a loan, you agree to repay the full amount including interest within the agreed timeframe.

Failure to repay may result in liquidation of your collateral, in part or in full.

5. Collateral and Liquidation

Your crypto collateral is securely held for the duration of the loan. If the value of your collateral falls below a safety threshold, we reserve the right to partially or fully liquidate the assets to protect against loss.

You will be notified in advance of any margin calls when possible.

6. Prohibited Activities

You agree not to use our platform for:

• Money laundering, fraud, or illegal transactions

• Financing of terrorism or sanctioned entities

• Abuse, hacking, or tampering with the platform

• Impersonation or identity theft

Violation of these rules may result in account termination and legal action.

7. Risk Disclosure

Cryptocurrencies are volatile and inherently risky. By using our services, you understand that:

• Collateral value may fluctuate

• You may lose your collateral if repayment is not made

• We are not responsible for market losses or trading advice

We recommend consulting with a financial advisor before taking any loan.

8. Fees and Charges

All fees are clearly disclosed prior to any transaction. We do not charge hidden fees. You are responsible for reviewing the loan terms before accepting.

9. Intellectual Property

All content, trademarks, and technology on this platform are the property of CredoChain LTD. You may not reproduce, copy, or exploit any part of our website or services without our written permission.

10. Limitation of Liability

CredoChain LTD shall not be liable for:

• Indirect or consequential losses

• Loss of profits or data

• Delays, outages, or system failures

• Third-party service disruptions

Our total liability shall not exceed the fees paid by you in the 12 months prior to the claim.

11. Termination

We reserve the right to suspend or terminate your account at our discretion if you violate these Terms or pose a security risk.

You may terminate your account at any time, subject to any outstanding loan obligations.

12. Changes to Terms

We may modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the platform after changes means you accept the updated Terms.

13. Governing Law

These Terms are governed by the laws of the jurisdiction in which CredoChain LTD is registered. Any disputes shall be resolved in accordance with applicable local laws and courts.

14. Contact Us

If you have any questions or concerns regarding these Terms, you can contact us at:

CredoChain LTD
Email: support@credochain.net
Website: https://credochain.net