1. introduction

Welcome to Credema AG. By accessing or using our websites and services, you agree to comply with and be bound by the following terms and conditions. Please review these terms carefully. If you do not agree with these terms, you should not use our websites or services.

2. definitions

Credema AG: Refers to the company Credema AG, its subsidiaries, and affiliated entities.

User: Any individual or entity that accesses or uses our websites or services.

Services: All services provided by Credema AG, including but not limited to those offered through our websites credema.ch, credema.io, and credema.ai.

Website: Refers to any website operated by Credema AG, including credema.ch, credema.io, and credema.ai.

3. use of services

Eligibility: You must be at least 18 years old to use our services. By using our services, you represent and warrant that you meet this requirement.

Account Registration: Some services may require you to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information as necessary.

User Conduct: You agree not to use the services for any unlawful purpose or in any way that might harm, disrupt, or otherwise negatively impact Credema AG, its users, or any third parties.

4. intellectual property

Ownership: All content, trademarks, and data on our websites, including but not limited to text, graphics, logos, and software, are the property of Credema AG or its licensors and are protected by intellectual property laws.

Limited License: Credema AG grants you a limited, non-exclusive, non-transferable license to access and use our websites and services for personal, non-commercial use.

5. privacy

Your use of our services is also governed by our Privacy Policy, which can be found [here](insert link to privacy policy). By using our services, you consent to the collection and use of your information as outlined in the Privacy Policy.

6. limitation of liability

Disclaimer: Our services are provided “as is” without any warranties of any kind, either express or implied.

Limitation: Credema AG will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services.

7. indemnification

You agree to indemnify and hold harmless Credema AG, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your use of our services or your violation of these terms.

8. termination

Credema AG reserves the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these terms or is otherwise harmful to other users, us, or third parties.

9. governing law

These terms and your use of the services will be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law principles.

10. changes to terms

We reserve the right to modify these terms at any time. Any changes will be effective immediately upon posting the revised terms on our websites. Your continued use of the services following such changes constitutes your acceptance of the new terms.

11. contact information

For any questions about these terms, please contact us at:

Credema AG

Neuhofstrasse 5A

CH-6340 Baar (ZG)

Switzerland

Mail: info@credema.ch

Office: +41 (0)41 544 77 91

Mobile: +41 79 453 34 37