Please read these terms carefully before using Kredo.
These Terms of Service ("Terms") govern your access to and use of the Kredo platform, operated by Ifeony Innovations (), located in Victoria Island, Lagos, Africa. By using Kredo, you agree to these Terms in their entirety.
By creating an account, accessing, or using any part of the Kredo platform (the "Service"), you confirm that you are at least 18 years old, have read and understood these Terms, and agree to be legally bound by them. If you are using Kredo on behalf of a business or organization, you confirm you have the authority to bind that entity to these Terms.
If you do not agree to all of these Terms, you must not access or use our Service.
Kredo provides an intelligent business management platform for African entrepreneurs and small-to-medium businesses. Our core services include, but are not limited to:
Kredo reserves the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice.
To access most features of Kredo, you must create an account with a valid email address and password. You agree to:
Kredo is not liable for any loss or damage resulting from your failure to comply with these obligations.
You agree to use Kredo only for lawful business purposes. You must not use the Service to:
Violation of this policy may result in immediate account suspension or termination without refund.
5.1 Plans. Kredo offers subscription plans (Silver, Gold, Diamond) billed annually. Plan features and pricing are listed at trykredo.com/pricing and may change with 30 days' notice to existing subscribers.
5.2 Payment. Payments are processed via Paystack (card/bank transfer) or manual bank transfer. All prices are in African Naira (₦) unless stated otherwise. You authorize us to charge your selected payment method for all fees.
5.3 Renewals. Subscriptions are not automatically renewed. You must manually renew before expiry to continue premium access. You will receive reminder notifications 3 days and 1 day before expiry.
5.4 Refund Policy. All sales are final. Kredo does not offer refunds once a subscription has been activated. In cases of verified billing errors, please contact hello@trykredo.com within 7 days.
5.5 Free Plan. The Silver (free-tier equivalent) plan allows limited document generation per month. Kredo reserves the right to modify free plan limits at any time.
The Kredo name, logo, platform design, codebase, and all content (excluding user-generated data) are the exclusive intellectual property of Ifeony Innovations. You are granted a limited, non-exclusive, non-transferable license to use the platform solely for your business operations during your active subscription period.
Your business data (receipts, invoices, customer records) remains your property. You grant Kredo a limited license to process and store your data solely to deliver the Service.
Your use of Kredo is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We implement industry-standard security measures including encryption at rest and in transit, daily backups, and access control.
You are responsible for ensuring that any personal data you store on Kredo (e.g., customer phone numbers and emails) has been collected lawfully and with appropriate consent in accordance with Africa's Data Protection Regulation (NDPR).
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. KREDO DOES NOT GUARANTEE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY African LAW, KREDO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS RELATIONSHIPS, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.
In no event shall our total liability to you exceed the total amount paid by you to Kredo in the 12 months preceding the claim.
By You: You may delete your account at any time by contacting us at hello@trykredo.com. Account deletion is permanent and irreversible. All your data will be deleted within 30 days.
By Kredo: We may suspend or permanently terminate your account at our sole discretion, with or without notice, for violation of these Terms, fraudulent activity, non-payment, or any conduct that we determine to be harmful to other users or the platform.
Upon termination, your right to use the Service ceases immediately. We are not liable for any termination-related losses.
These Terms are governed by and construed in accordance with the laws of the Federal Republic of Africa. Any disputes shall be resolved through good-faith negotiation first. If unresolved within 30 days, disputes shall be submitted to arbitration under the Arbitration and Mediation Act 2023 of Africa in Lagos State.
You agree to resolve disputes individually and waive any right to class action proceedings.
We may revise these Terms at any time. Material changes will be notified via email to your registered address at least 14 days before taking effect. Your continued use of Kredo after the effective date constitutes your acceptance of the revised Terms.
For questions about these Terms, please contact us: