Terms of Service

Operator: Cred is currently operated by [Your Full Legal Name]. Upon formation, the Service may be operated by a limited liability company controlled by the same founder ("Cred", "we", "us").

1. Welcome to Cred

Cred is a platform for making structured predictions and tracking credibility over time.

By using Cred, you agree to these Terms. If you do not agree, please do not use the Service.

You must be at least 18 years old to use Cred.

2. What Cred Does

Cred allows you to:

• Make forward-looking commitments or forecasts
• Assign confidence levels (probabilities)
• Have outcomes evaluated using deterministic, versioned rulesets
• View credibility scores derived from statistical accuracy

Cred is a credibility-tracking platform. It is not:

• A betting or wagering platform
• An investment advisor or financial institution
• A certification authority
• A professional rating agency

3. No Financial or Professional Advice

Credibility scores and outcomes are informational only.

They do not constitute:

• Investment advice
• Financial advice
• Legal advice
• Professional endorsement

You are solely responsible for decisions made based on information displayed on the platform.

4. Your Commitments

You are responsible for the content and commitments you submit.

Certain commitments may become publicly visible.

Once sealed, commitments may be immutable except for limited amendments permitted under the platform's rules. These immutability rules are part of how Cred preserves trust and auditability.

Cred may remove or restrict content that violates these Terms.

5. How Scoring Works

Credibility scoring is:

• Algorithmic
• Deterministic
• Versioned

Scores are calculated using rulesets active at the time of resolution. Methodology may evolve over time, but historical results remain tied to their original ruleset versions.

Cred may correct scoring errors if discovered.

6. External Data Sources

Cred relies on publicly available third-party data sources to determine outcomes.

We are not responsible for:

• Errors in those data sources
• Delays in publication
• Incomplete or corrected data

7. Account Security

You are responsible for maintaining the security of your account and devices.

If Cred uses device-based signing keys, private keys remain under your control. Loss of access to your device may prevent you from signing actions.

Cred is not responsible for losses resulting from unauthorized access to your account.

8. Acceptable Use

You agree not to:

• Manipulate scoring mechanisms
• Circumvent platform safeguards
• Abuse APIs or cron endpoints
• Use the Service for unlawful purposes

We reserve the right to suspend or terminate accounts for violations.

9. Service Availability

The Service is provided "as is" and "as available."

We make no guarantees regarding uptime, performance, or uninterrupted access.

10. Limitation of Liability

To the fullest extent permitted by law:

• Cred disclaims all warranties, express or implied.
• We are not liable for indirect, incidental, or consequential damages.
• Total liability shall not exceed the amount paid by you to Cred in the prior 12 months (which may be zero).

11. Indemnification

You agree to indemnify and hold harmless Cred and its operator from claims arising from your use of the Service or your submitted content.

12. Termination

We may suspend or terminate your access at any time for violation of these Terms or operational reasons.

13. Governing Law

These Terms are governed by the laws of the State of [Your State], United States.

14. Changes to These Terms

We may update these Terms periodically. Continued use of Cred after updates constitutes acceptance of the revised Terms.

15. Contact

Questions about these Terms may be directed to:

contact@credplatform.com