1. Introduction

 

These terms and conditions of use and service (“Terms”) contained herein on this webpage and as applicable to our Mobile App is a legal agreement between you (“you”, “User”) and Cr3dentials LLC. (“Cr3dentials” “we”, “our” or “us”). These Terms shall govern your access to and use of our services which include the use of any of our platform, Web App (https://app.cr3dentials.xyz), Mobile App and other products and services that we provide. Credentials provides an advanced verification system that enables developers like you to prove their income using transport layer security zero-knowledge proofs. Our system leverages the security of zero-knowledge proofs and blockchain technology to create a privacy-preserving, self-sovereign method for you to verify your finanical credentials without exposing sensitive information. Cr3dentials ensure that you can authenticate your identity and contributions while maintaining full control over your personal data. We also provide Proof of Income, an innovative decentralized financial verification system that utilizes ZkTLS technology to generate cryptographic proofs of your income directly from your bank statements (collectively referred to as the “Services”). Note that these Terms apply to you whether you are only visiting our website or have registered to be a user of our Services.

 

By using any of the Services, you expressly accept all terms and conditions contained herein - in full and without limitation or qualification, including our Data Protection and Privacy Policy. We oblige you therefore to thoroughly read these Terms carefully before agreeing to be bound by it. You must not use any of the Services, if you have any objection to any of these Terms.

 

1. Eligibility

 

By signing on to use our Services, you are warranting that you are not a person barred from receiving services under the laws of your applicable jurisdiction. You also undertake and agree to provide us with information which is accurate, and not to misrepresent your identity or your user information. You are only entitled to access and use the Services for lawful purposes. 

 

1. Age Restriction

 

Our Services are directed to people from the ages of 18 and above. You are only permitted to use the Services if you are aged 18 or older. We do not knowingly engage people younger than the age of 18. If as a parent or guardian, you become aware that your child or ward child has provided us with any information without your consent, please contact us through the details provided in these Terms.

 

1. Provision of Services

 

1. The Service

 

We provide value to our Users via a single pronged approach:

 

• Proof of Income Service:

We provide Proof of Income, an innovative decentralized financial verification system that utilizes ZkTLS technology to generate cryptographic proofs of your income directly from your bank statements. This solution is delivered via app clip, offering you a seamless experience for income verification.

When you log into your Chase Bank account and access your bank statements via Cr3dentials in-app browser to generate a zero-knowledge proof of your income data. This proof is designed to verify your income while protecting the privacy and security of your sensitive financial information. The service includes an integrated wallet creation process, requiring you to authenticate via your email address to establish a digital wallet. Upon generating the proof, it is converted into an on-chain attestation, which is publicly viewable and permanently linked to your wallet address.

This attestation creates an immutable, verifiable record of your income that can be used across various financial applications. It preserves your privacy through the use of zero-knowledge technology, allowing you to prove your income to third parties without disclosing the actual details of your bank statement. By bridging traditional banking data with blockchain technology, our system enhances the financial verification process, enabling a trustless, secure, and privacy-preserving method of income verification.

User Responsibilities:

 

By using the Service, you agree to:

 

• Provide accurate and complete information during the verification process, whether for Proof of Income.

• Maintain the security of your email address, bank credentials, and any other sensitive information used in connection with the Service.

• Use the Service only for lawful purposes and in compliance with all applicable laws and regulations.

• Refrain from attempting to compromise the integrity or security of the Service, including but not limited to unauthorized access, reverse engineering, or distribution of malicious software.

 

When using the Proof of Income feature, you further agree to:

 

• Ensure that you are the rightful owner of the bank account and have the legal authority to generate income proofs from the associated bank statements.

• Authenticate via your email address to create and access your digital wallet, which is integral to the generation and storage of on-chain attestations.

• Acknowledge that the zero-knowledge proofs generated by the Service are designed to verify your income while preserving the privacy and security of your sensitive financial information.

• Understand that the on-chain attestation generated from your income proof is publicly viewable and permanently linked to your wallet address, creating an immutable and verifiable record of your income.

• Use the Proof of Income feature responsibly, ensuring that the attestations are shared only with trusted third parties and for legitimate purposes.

• Accept that Credential is not responsible for any misuse of your on-chain attestations once they are generated and shared.

• By using the Proof of Income service, you acknowledge that Credential bridges traditional banking data with blockchain technology to provide a trustless, secure, and privacy-preserving method of income verification. You agree to use this feature in a manner consistent with its intended purpose and in compliance with all applicable financial regulations and privacy laws.

• Failure to adhere to these responsibilities may result in the suspension or termination of your access to the Service, as outlined in Clause 18 (Termination) of these Terms.

 

1. Access to the Services 

In order to access and use the Services, you will need to use our Credentials Web App or download the Credentials Software and/or App (on the App Store or Google Play) where you will register and input the required details and create an account with us. The Credentials Software will also require access to certain features of your smartphone/device and your information that will be stored on its database. To use our services, you must grant the Credentials Software voluntary access to these features.

 

We may launch, change, upgrade, impose conditions to, suspend, or stop any Services (or any features within the Services) to you or subject to other conditions that we may impose in our discretion, without prior notice except that in case of a fee-based Service, such changes will not substantially adversely affect the paying Users in enjoying that Service.

 

1. License To Use Our Platforms

 

We grant you a non-assignable, non-exclusive and revocable license to use our Web App, Mobile App and any of our platform in the manner permitted by these Terms. This license grant includes all updates, upgrades, new versions and replacement platform for you to use in connection with our Services. The Services are protected by copyright, trademark, and other Delaware laws. For emphasis, nothing in these Terms give you a right to use our name or any of our trademarks, logos, domain names, and other distinctive brand features. All right, title and interest in and to the Services are and will remain our and/or licensors’ exclusive property. You also agree not to alter, re-design, reproduce, adapt, display, distribute, translate, disassemble, reverse engineer, or otherwise attempt to create any source code that is derived from our Platform.

 

1. Paid Services

 

Although our Web App is free, when you choose to take advantage of our paid  services, a payment of the amount shown to you at the time of subscription will be charged to your account when the subscription begins. Payments are nonrefundable and there are no refunds or credits for partially used subscription periods.

1. Personal Security

 

You also agree to maintain the security of your details and account and promptly notify us if you discover or suspect that someone has accessed your account without your authorization. Your username and password are personal to you and may not be shared with any third parties. You are responsible for all activities that occur regarding your details or otherwise under your account.

 

1. Intellectual property 

 

Unless otherwise stated, we own the intellectual property rights and materials on our website and all our platforms. All text, formatting (including without limitation the arrangement of materials on our website and platforms and the graphics, animation, tools, commercials, music, video, articles, sound, copy, trade names, logos and other materials and information on our website and platforms are subject to our intellectual property rights. We do not grant you any right, license, title or interest to any of our intellectual property rights which you may or may not have access to.  

 

Our content may not be copied, reverse engineered, decompiled, disassembles, modified or reposted to other websites. Nothing on our platforms should be construed as granting by implication or otherwise, any license or right to use any trademark displayed on our website or platforms without our written permission or that of such third party that may own the trademark. You agree to take such actions including executing all documents that may be needed to further affirm our intellectual property rights.

 

1. Warranty Disclaimer

 

WE TRY TO KEEP OUR WEBSITE AND SERVICES AVAILABLE AT ALL TIMES, BUG-FREE AND SAFE, HOWEVER, YOU USE IT AT YOUR OWN RISK. WE PROVIDE THE WEBSITE AND THE CONTENT “AS IS” WITH NO WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND (INCLUDING ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, SECURITY, TITLE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS). WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO WARRANTY THAT OUR WEBSITE, PLATFORM, MOBILE APP, PRODUCTS AND SERVICES WILL MEET YOUR REQUIREMENTS OR THAT OUR WEBSITE OR MOBILE APP WILL BE 100% FRAUD OR FAIL PROOF, REMAIN FREE FROM ANY INTERRUPTION, BUGS, INNACCURACIES, AND ERROR FREE. YOUR USE OF OUR SERVICES ARE AT YOUR OWN RISK AND YOU ALONE WILL BE RESPONSIBLE FOR ANY DAMAGE THAT RESULTS IN THE LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN OBTAINED BY YOU FROM OUR WEBSITE, PLATFORM OR OUR SERVICES WILL CREATE ANY WARRANTY OR CONDITION NOT EXPRESSLY STATED. WE WARRANT THAT WE SHALL USE OUR BEST ENDEAVOURS TO ENSURE THAT THE SERVICE OPERATES OPTIMALLY AT ALL TIMES IN ACCORDANCE WITH BEST INDUSTRY STANDARD.

 

1. Limitation Of Liability

 

UNDER NO CIRCUMSTANCE SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL PUNITIVE, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, INCLUDING DAMAGES RESULTING FROM REVENUE LOSS, PROFIT LOSS, USE, DATA, GOODWILL , BUSINESS INTERRUPTION OR ANY OTHER INTANGIBLE LOSSES (WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH) ARISING OUT OF OUR WEBSITE OR SERVICES (INCLUDING, WITHOUT LIMITATION TO INABILITY TO USE, OR ARISING FROM THE RESULT OF USE OF OUR WEBSITE, PLATFORM OR SERVICES) WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, TORT, CONTRACT, STATUTE OR ANY OTHER LEGAL THEORY.  SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS ON THE SCOPE AND DURATION OF SUCH WARRANTIES, SO THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU IN THEIR ENTIRETY BUT SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

 

1. Indemnification

 

You hereby indemnify us and undertake to keep us, our staff and affiliates indemnified against any losses, damages, costs, liabilities and expenses (including without limitation reasonable legal fees and expenses) arising out of any breach by you of any provision of these Terms or arising out of any claim that you have breached any provision of these Terms. You hereby undertake to indemnify and hold us harmless from and against any claim, suit or proceedings brought against us arising from or in connection with violations of Intellectual Property or other rights of third parties in relation to your use of the Services.

 

1. Force Majeure 

 

Under no circumstances shall we be held liable for any delay or failure or disruption of the content or services delivered through our Web and Mobile Apps and platforms resulting directly or indirectly from acts of nature, forces or causes beyond our reasonable control, including without limitation, internet failures, computer, telecommunications or any other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, flood, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals or non-performance of third parties.

 

1. Breaches Of These Terms

 

Without prejudice to other rights accruable to us under these Terms, any breach of these Terms will warrant our institution of such measures that we deem appropriate to deal with the breach, which may include but shall not be limited to suspending or prohibiting your access to and/or use of our website and other platforms, blocking computers using your IP address from accessing our website or other platforms, contacting your internet service provider to request that they block your access to our website or other platforms and/or bringing court proceedings against you.

 

1. Updates, Modifications And Amendments 

 

We reserve the right to update, modify, change or revise these Terms from time to time. The changes will not be retroactive, and the most current version of the Terms will always be on this page and will continue to govern our relationship with you. We advise that you check this page often, referring to the date of the last modification on the page. We will also try to notify you of any material changes which could be done via email associated with your account or service notification. By continuing to use our Services after the changes become effective, you agree to be bound by the revised Terms.

 

1. Notices 

 

All legal notices or demands to or upon us shall be made in writing and sent to us personally, by courier, certified mail, to our registered address on our website and our contact e-mail in the “Contact Us” clause below.  All legal notices or demands to or upon a User shall be effective if either delivered personally, sent by courier, certified mail, or email to the last-known correspondence, fax or email address provided by the User. You agree that all agreements, notices, demands, disclosures and other communications that we send to you electronically satisfy the legal requirement that such communication should be in writing.

 

1. Termination

Credential reserves the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to your violation of these Terms. Upon termination, your right to use the Service will immediately cease, and you must discontinue all use of the Service.

 

1. Governing Law And Dispute Resolution

 

These Terms of Use shall be interpreted and governed by the laws currently in force in Delaware, the United States of America. We shall try to settle all disputes amicably. Any dispute arising out of these Terms which cannot be settled, by mutual agreement/negotiation within 1 (one) month shall be referred to the exclusive jurisdiction of a Court of competent jurisdiction in Delaware.  

 

1. Contact Us

 

If you have any complaints, feedback and/or questions about us, our Services and/or these Terms, you may contact us at elomukoro@cr3dentials.xyz

 

1. Effective Date 

 

This Terms of Use and Service is effective this 3rd day of March 2025.

 

Cr3dentials LLC [RC:5115146]