Legal

Welcome to CrediQ. Please read these terms carefully before using our services.


1. Terms of Use

By accessing and using CrediQ’s website and services, you agree to be bound by the following terms:

  • Eligibility: You must be at least 18 years old to use our financing services.
  • Accuracy of Information: You agree to provide current, accurate, and complete information as required during account creation and loan applications.
  • Account Responsibility: You are responsible for maintaining the confidentiality of your account and any activity under it.
  • Use Restrictions: You agree not to misuse our services or use them for any unlawful purpose.


2. Financial Disclosure

  • BNPL Agreement: CrediQ offers short-term installment payment options through partner merchants. Before completing any transaction, you will receive full disclosure of interest, repayment schedules, fees (if any), and terms of default.
  • Late Payments: Failing to pay on time may result in service fees, limited access to future financing, or reporting to relevant credit bureaus (where applicable).
  • Non-Guarantee of Approval: CrediQ reserves the right to approve or deny credit at its discretion based on eligibility criteria.


3. Privacy Policy

Your privacy is important to us. By using CrediQ, you agree to our data practices outlined below:

  • Data Collection: We collect information including name, contact information, government-issued ID (where required), and purchase details.
  • Use of Data: This information is used to evaluate your credit eligibility, complete transactions, provide customer support, and for legal compliance.
  • Third-Party Sharing: We may share your data with payment processors, fraud detection services, or legal authorities as required by law.
  • Data Protection: We implement appropriate security measures to protect your personal data. However, no system is 100% secure.


4. Cookies and Tracking

We use cookies to personalize your experience, analyze traffic, and deliver relevant content. By using our site, you consent to our use of cookies.


5. Intellectual Property

All trademarks, logos, text, images, and other content on this site are the property of CrediQ or its licensors. You may not use, reproduce, or distribute any content without permission.


6. Limitation of Liability

CredIQ shall not be liable for any indirect, incidental, or consequential damages resulting from your use or inability to use the services, except where such liability is mandated by applicable law.


7. Governing Law

These terms shall be governed and interpreted in accordance with the laws of Trinidad & Tobago. Any disputes shall be subject to the exclusive jurisdiction of the courts in Trinidad & Tobago.


8. Updates to This Policy

CredIQ reserves the right to modify this legal page at any time. Updates will be posted here, and continued use of the site means you accept the updated terms.


Contact Us

If you have any questions about our legal policies, please contact:

CrediQ Legal Department
Email: info@crediq.shop
Phone: +1 (868) 435-2733