Terms and Conditions

Welcome to CrediQ. These Terms and Conditions (“Terms”) govern your access to and use of our services, including our website and Buy Now, Pay Later (BNPL) offering. By using our platform, you agree to these Terms in full. If you do not agree, please do not use our services.


1. About CredIQ

CrediQ provides BNPL (Buy Now, Pay Later) services that allow consumers to purchase goods or services from partnered merchants and pay over time. Our services are available through our website and participating retailers.


2. Eligibility

To use CrediQ:

  • You must be at least 18 years of age.
  • You must provide accurate, complete, and truthful information.
  • You must have the legal capacity to enter into contracts.

We reserve the right to refuse service or close accounts at our discretion.


3. Account Registration

To access certain services, you may be required to create an account. You are responsible for maintaining the confidentiality of your login details and for all activity under your account.


4. BNPL Terms

By using CrediQ’s BNPL service:

  • You agree to repay your installments on the scheduled dates.
  • Payment failure may result in late fees or suspension of access.
  • CredIQ may perform credit checks or identity verification.

Specific payment terms, fees, and repayment schedules will be disclosed at checkout before you confirm your purchase.


5. Fees and Charges

We strive to be transparent. Any applicable fees (e.g., late payment fees) will be clearly displayed during the checkout process. It is your responsibility to understand and agree to all costs associated with your BNPL agreement.


6. Intellectual Property

All content on the CrediQ website—including logos, trademarks, designs, and text—is the property of CrediQ or its licensors and may not be reproduced or distributed without permission.


7. Prohibited Activities

You agree not to:

  • Provide false or misleading information.
  • Attempt to hack or interfere with our platform.
  • Use CredIQ for illegal or unauthorized purposes.

Violation of these rules may result in account suspension or legal action.


8. Limitation of Liability

CrediQ is not liable for any indirect, incidental, or consequential damages resulting from:

  • Service interruptions
  • Merchant disputes
  • Loss of data
  • Unauthorized access to your account

To the fullest extent permitted by law, our liability is limited to the amount of money you have paid for using our services.


9. Third-Party Links and Services

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or terms of those third-party sites.


10. Modifications to the Terms

CrediQ reserves the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our services means you accept the new Terms.


11. Governing Law

These Terms shall be governed by and interpreted under the laws of Trinidad & Tobago. Any disputes arising from these Terms shall be resolved in the appropriate courts of that jurisdiction.


12. Contact Information

For questions, concerns, or complaints, please contact us at:

CrediQ Support Team
📧 Email: info@crediq.shop
📞 Phone: +1 (868) 435-2733