Terms and Conditions

Last updated: June 18, 2026

1. Acceptance of Terms

By downloading, accessing, or using Credgy, you agree to these Terms and Conditions. If you do not agree, do not use the app.

2. Service Description

Credgy provides loan tracking, simulation, and financial planning features for informational purposes. Credgy is not a bank, lender, broker, or financial advisor.

3. Eligibility and Account Responsibility

• You must provide accurate account and profile information.
• You are responsible for activity performed through your account.
• You must keep your device and authentication methods secure.

4. Acceptable Use

• Do not misuse or attempt to disrupt app services.
• Do not reverse engineer or copy proprietary app components.
• Do not use Credgy for unlawful or fraudulent purposes.

5. Simulations and Informational Outputs

Loan calculations and simulations are estimates based on user-provided data and assumptions. Actual loan outcomes may vary. You should verify decisions with your lender or a qualified advisor.

6. Intellectual Property

Credgy content, design, trademarks, and software are owned by Credgy or its licensors and protected by applicable laws.

7. Limitation of Liability

To the fullest extent permitted by law, Credgy is not liable for any indirect, incidental, or consequential damages arising from use of the app, including losses resulting from financial decisions.

8. Service Changes

We may modify, suspend, or discontinue app features at any time, including updates to free or paid functionality.

9. Termination

We may suspend or terminate access for violations of these terms or misuse of the platform.

10. Governing Law

These terms are governed by applicable laws of your operational jurisdiction. Insert exact jurisdiction and dispute venue here.

11. Contact

For legal questions, contact: reach@credgy.com