Terms of Service

Effective date: June 8, 2026 · Last updated: June 8, 2026

These Terms of Service ("Terms") are a binding agreement between you and Creedo, Inc. governing your access to and use of the Creedo platform at creedo.club (the "Service"). In these Terms, "Creedo," "Company," "we," "us," and "our" mean Creedo, Inc. "You" means the person using the Service.

Operating entity

Legal entity: Creedo, Inc., a Delaware corporation (the "Company").
Delaware file number: 10637127.
Delaware registered office & agent: Harvard Business Services, Inc., 16192 Coastal Highway, Lewes, DE 19958.
Service: The Creedo platform at creedo.club (the "Service").
Contact: anant@creedo.club

1. Acceptance of these Terms

These Terms of Service ("Terms") are a binding agreement between you and Creedo, Inc. governing your access to and use of the Service. By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

To use the Service you must:

Be at least 18 years old;
Be located in and a resident of the United States;
Have the legal capacity to enter into a binding contract; and
Not be barred from using the Service under any applicable law, and not appear on any sanctions or prohibited-party list.

One account per person and per household. You may hold and use only one Creedo account, tied to one person, one device environment, and one payout method. Accounts are personal to you and may not be sold, transferred, or shared.

You agree to provide accurate, current, and complete information and to keep it up to date. We may refuse, suspend, or terminate accounts that do not meet these requirements.

3. Changes to these Terms

We may update these Terms from time to time. When we do, we will post the updated Terms with a new "Last updated" date and, where the changes are material, give you reasonable notice (for example, by email or an in-app notice). Changes take effect when posted unless stated otherwise. Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree, stop using the Service and close your account.

4. Your account and security

You are responsible for safeguarding your login credentials and for all activity that occurs under your account. Notify us immediately at anant@creedo.club if you suspect unauthorized access or use. We are not liable for any loss arising from unauthorized use of your account where you failed to keep your credentials secure. We may require you to re-verify your identity at any time.

5. What the Service is

Creedo is an AI-powered rewards platform. You can complete offers — such as playing selected mobile games, reaching in-game milestones, completing tasks, or other activities we make available — to earn points called "Creds." You can redeem Creds for gift cards, prepaid cards, cash payouts, or other redemption options we offer from time to time, subject to these Terms.

Offers are supplied by third-party advertisers and partners through our offerwall network. Offer availability, reward amounts, completion requirements, and tracking are controlled by those third parties and can change or be withdrawn at any time without notice. We personalize and rank offers for you using automated systems, including our AI matching engine and AI assistant ("Cree"), but we do not guarantee any particular offer, ranking, or outcome.

6. Creds — how earning works

You earn Creds only when an offer is completed and that completion is verified through our partners' tracking and our server-side ledger. Completing the visible steps of an offer does not guarantee credit if tracking does not register or the completion cannot be verified.
Credit may be pending while we and our partners confirm it. Pending Creds may be adjusted, reduced, reversed, or removed if a completion is later found to be incomplete, duplicated, reversed by the advertiser, invalid, or fraudulent.
Our server-side ledger is the authoritative record of your Cred balance. Where a displayed balance differs from our ledger, the ledger controls.
We do not guarantee any amount of earnings, the availability of any offer, or that any offer will track or credit. Your earnings depend on the offers you complete and on third-party advertisers outside our control.

7. Creds have no monetary value

Creds are a limited, revocable license to participate in the Service. Creds are not money, not legal tender, not a stored-value instrument, and not a cryptocurrency or security. Regardless of whether they are displayed as points or as a dollar-equivalent figure:

Creds have no cash or monetary value except as a credit toward redemption options we choose to offer, and only when redeemed in accordance with these Terms;
Creds remain our property until validly redeemed, are non-transferable, and may not be sold, assigned, gifted, combined across accounts, bequeathed, or used outside the Service;
We may modify, suspend, recalculate, or discontinue the Creds program, redemption options, or reward values at any time; and
Creds you obtain through error, abuse, or fraud are void and may be removed without notice.

8. Bonuses, streaks, mystery boxes, and promotions

We may offer promotional rewards such as a welcome bonus, first-offer-completion bonus, daily check-in bonus, multi-day streak rewards, and mystery boxes (which grant a variable reward within published ranges). These features are provided at our discretion, may have additional rules published in-app, and may be changed, limited, or discontinued at any time. Promotional rewards have no guaranteed value, are subject to the anti-fraud and verification rules in these Terms, and may be revoked if obtained through abuse or in violation of the published rules.

9. Referral program

If we offer a referral program, you may earn referral rewards when people you invite join and use the Service, subject to the program rules published in-app and these Terms. General principles:

A referral qualifies only after the referred user is a new, verified, unique user who completes the qualifying actions we specify (which may include completing a qualifying offer and making a first withdrawal).
Referral commissions may be subject to a holding period before they become withdrawable.
Self-referrals, fake accounts, incentivized or misleading referrals, spam, and any manipulation of the referral system are prohibited and will result in forfeiture of referral rewards and possible termination.
We may change the referral rates, tiers, caps, holding periods, or eligibility, or discontinue the program, at any time.

10. Identity verification (KYC)

To protect against fraud and to comply with applicable law, we require identity verification before your first withdrawal and may require it again at any time. Verification may include a government-issued ID and a selfie or liveness check, processed by our third-party verification providers. If you do not complete verification, or if verification fails or indicates fraud, ineligibility, or duplicate identity, we may withhold or cancel your rewards and suspend or terminate your account. Verification does not, by itself, entitle you to any payout.

11. Redemption and payouts

Redemptions are subject to minimum thresholds, eligibility checks, identity verification, available redemption options, and processing times, each of which may vary and change.
Gift cards, prepaid cards, and cash payouts are fulfilled by third-party providers (for example, our payout processor) and are subject to those providers' terms. We are not responsible for a provider's delay, error, or refusal, though we will make reasonable efforts to assist.
We may withhold, delay, reverse, reduce, or cancel any reward that results from error, abuse, fraud, chargeback or reversal by an advertiser, or a violation of these Terms.
You are responsible for providing accurate payout details. We are not responsible for rewards sent to an incorrect destination you provided.

12. Withdrawal controls and holds

To deter fraud and abuse, withdrawals are subject to controls that may include:

A minimum first-withdrawal amount and per-method minimums;
Monthly withdrawal limits that are lower for new or unverified accounts and higher for verified accounts;
A pending/hold period on new accounts and on activity that appears risky, during which a withdrawal may be reviewed before release;
One payment method per account, with a cooldown period before a payout method can be changed; and
Additional review or limits where activity is inconsistent with normal use.

We may adjust these controls at any time and may apply additional holds where we reasonably suspect fraud, until our review is complete.

13. Inactive accounts

If your account is inactive for a prolonged period (as defined in-app), we may treat it as dormant. We may notify you and, to the extent permitted by law, expire unredeemed Creds in a dormant account and/or close the account. Creds have no monetary value (Section 7) and are not subject to unclaimed-property obligations except as required by law.

14. Creds expiration

Unless prohibited by law, Creds may expire after a period of account inactivity or after a period from the date earned, as published in-app. We will make reasonable efforts to notify you before Creds expire where required.

15. Taxes

You are solely responsible for any taxes on rewards you receive. Depending on the amounts involved and applicable law, we or our payout providers may be required to collect tax information from you (for example, a Form W-9) and to report payments to tax authorities (for example, on a Form 1099). If you do not provide required tax information, we may withhold or decline payouts. Nothing in these Terms is tax advice.

16. Prohibited conduct and fraud

You agree not to:

Create or control more than one account, or use another person's identity, device, or payout details;
Use bots, scripts, macros, automation, emulators, click farms, or modified apps to simulate, replicate, or manipulate activity or offer completions;
Use VPNs, proxies, location spoofing, fake or virtual phone numbers, or disposable identities to hide or misrepresent who or where you are;
Falsify, manipulate, or interfere with offer tracking, completions, the ledger, or our fraud and security controls;
Probe, scan, scrape, reverse engineer, overload, or attempt to gain unauthorized access to the Service or its systems;
Collude with others, exploit bugs or pricing/credit errors, or engage in any scheme to obtain Creds or rewards you did not legitimately earn;
Resell, transfer, or commercialize access to the Service or your account; or
Use the Service for any unlawful, fraudulent, infringing, or harmful purpose.

Zero-tolerance fraud policy. If we reasonably believe you have violated this Section or otherwise engaged in fraud or abuse, we may, in our sole discretion and without prior notice, suspend or terminate your account, void and forfeit your Creds and pending rewards, reverse or refuse payouts, withhold amounts pending investigation, ban your devices, and refuse you future access. We may also pursue any remedy available at law.

17. Suspension, termination, and forfeiture

You may stop using the Service and close your account at any time. We may suspend, restrict, or terminate your access at any time, with or without notice, including for any violation of these Terms, suspected fraud or abuse, legal requirement, or risk to the Service or other users. On termination for cause, unredeemed and pending Creds and rewards may be forfeited. Provisions that by their nature should survive termination (including Sections 7, 15, 16, and 19–28) will survive.

18. Third-party offers, content, and services

Offers, games, advertisements, rewards, payout fulfillment, and verification are provided by third parties. We do not control them and are not responsible for their content, conduct, availability, tracking, accuracy, or terms. Your use of any third-party offer, game, or reward is subject to that third party's own terms and privacy practices, and any dispute about a third party's product or conduct is between you and that third party.

19. Intellectual property

The Service — including its name, logos, design, text, graphics, software, and other content we provide (excluding third-party and user content) — is owned by Creedo, Inc. or its licensors and is protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from any part of the Service except as expressly permitted.

20. Copyright and takedowns

If you believe content on the Service infringes your copyright, contact us at anant@creedo.club with: a description of the work, the location of the allegedly infringing material, your contact information, a statement of good-faith belief that the use is unauthorized, and a statement that your notice is accurate. We may remove infringing content and terminate repeat infringers.

21. Electronic communications and consent

By using the Service, you consent to receive communications from us electronically — including service, transactional, and account messages — and you agree that electronic communications satisfy any legal requirement that communications be in writing. You may opt out of marketing messages at any time using the unsubscribe mechanism; you cannot opt out of essential service or transactional messages while you have an active account.

22. Disclaimers of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT OFFERS WILL BE AVAILABLE OR TRACK CORRECTLY, OR THAT YOU WILL EARN ANY PARTICULAR AMOUNT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

23. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CREEDO, INC. AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REWARDS, DATA, GOODWILL, OR OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER BASED ON CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE VALUE OF REWARDS PROPERLY OWED TO YOU AND NOT PAID, OR (B) USD 100. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

24. Indemnification

You agree to indemnify, defend, and hold harmless Creedo, Inc. and its directors, officers, employees, and partners from and against any claims, damages, losses, liabilities, and reasonable costs and expenses (including legal fees) arising out of or relating to your use or misuse of the Service, your violation of these Terms or any law, or your violation of any third-party right.

25. Dispute resolution — binding arbitration and class-action waiver

Please read this section carefully — it affects how disputes are resolved.

Informal resolution first. Before starting an arbitration, you agree to contact us at anant@creedo.club and try to resolve the dispute informally for at least 30 days.
Binding arbitration. Except for the carve-outs below, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs the interpretation and enforcement of this Section.
Class-action waiver. Disputes will be brought only in your individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims.
Carve-outs. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or stop misuse of the Service.
Opt-out. You may opt out of arbitration by emailing anant@creedo.club within 30 days of first accepting these Terms, stating your name and that you opt out. Opting out does not affect any other part of these Terms.

If any part of this Section is found unenforceable, the rest remains in effect, except that if the class-action waiver is found unenforceable, this entire Section is void.

26. Governing law

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Delaware and applicable U.S. federal law, without regard to conflict-of-laws rules, and subject to the arbitration provisions in Section 25. To the extent any dispute proceeds in court rather than arbitration, you agree to the exclusive jurisdiction of the state and federal courts located in Delaware.

27. Limitation on time to file claims

To the extent permitted by law, any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after the claim arose; otherwise it is permanently barred.

28. General

Assignment. You may not assign these Terms. We may assign them, including in connection with a merger, financing, or sale of assets.
Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
No waiver. Our failure to enforce any provision is not a waiver of it.
Severability. If any provision is found unenforceable, the rest remains in effect.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Creedo, Inc. regarding the Service and supersede prior agreements on the subject.

29. Contact

Creedo, Inc. — questions about these Terms: anant@creedo.club