Terms and Conditions

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Last Updated September 16, 2022

Read these terms thoroughly before accessing and/or using the website to be aware of your legal rights and obligations regarding Credit Pug (‘Creditpug’, ‘creditpug.com’, ‘we’, ‘our’ or ‘us’).

If you decide to access and/or use creditpug.com (‘the Website’, ‘the Site’, together with its Content and Marks), you thus express your acknowledgment that you are entering a binding legal agreement with the Site, understand and agree to comply with these Terms of Use and the Privacy Policy.

Please don’t access and/or use the Site, if you don’t agree to comply with these Terms.

1. Modification

We reserve the right to change these Terms at any time. The change can be effective immediately after posting of the revised Terms on the Website. Your usage of the Website means you accept the changes.

2. The ability of terms acceptance

The Site is only intended for individuals aged sixteen years or older. If you are under 18, please do not visit or use the Website.

3. Website access

During the period these Terms are effective we hereby grant you permission to visit and use the Website provided you agree to these Terms and applicable law.

4. Restrictions

You shall not: (1) use, create derivative works, modify, reproduce, transfer (by license, sublicense, sale, resale, download, etc.), display, distribute, or disclose the content (defined below), except as expressly authorized herein; (2) distribute display, copy, mirror, modify or frame any part of the Site or its content (as described below) with no prior written authorization; (3) launch or use any automated system (including “spiders”, “robots”, etc.) to access the Site; (4) disrupt networks or servers connected to the Site; (5) disable, circumvent or otherwise interfere with security-related features of the Site, the features preventing or restricting copying or usage of any content or those enforcing limitations on the Site’s usage.

5. Intellectual Property Rights

5.1. Content and marks

The (1) content on the Site including articles, text, documents, descriptions, brochures, products, graphics, photos, software, sounds, music, visual interfaces, videos user interfaces, interactive features, photographs, logos, trademarks, artwork, computer code, and services (i.e. the “Materials”) including the design, selection, structure, expression, “look and feel”, coordination and arrangement of such Materials; (2) and submissions from users, as defined below (i.e. the “Content”); and (3) the trademarks, logos, service marks are controlled, owned or licensed by Creditpug and are secured by applicable copyright or other intellectual property laws. The Site, its logo, and other marks are owned, operated and controlled by Creditpug and/or its affiliates. All other logos, service marks and trademarks used on the Site are the logos, trademarks or service marks of their respective owners. We reserve all legal rights expressly granted in and to the Site and its content.

5.2. Usage of content

The content performed on the Creditpug website is provided to you for your personal use and information only and can not be copied, used, modified, distributed, broadcast, transmitted, sold, displayed, de-compiled, licensed, reverse engineered or exploited in any other way for any other purpose whatsoever with no prior written consent. If you print or download a content copy, you must keep all copyright and/or other proprietary notices contained therein.

6. Third-party sources and content

Some information may involve advice performed by the third parties as well as third party content. You agree that any content and/or advice is provided for information, entertainment, education purposes only and is not intended to constitute financial, legal, medical, tax planning or any other sort of advice from Creditpug. You consent that Creditpug is not liable for any advice provided by the third parties. You take all the responsibility for your financial decisions and research. Creditpug.com is not liable or responsible for any actions and/or decisions you take or authorize third parties to take on your behalf on the basis of the information you get as a user of the Site.

6.1. The Site enables you to access, view, use and link the content from third party sources (defined below) that are not controlled or owned by the Site (‘Third Party Content’).

We may also enable you to interact and communicate with the third-party sources. ‘Third Party Source(s)’ means: (1) our customers and partners; (2) third party services and websites.

6.2. We don’t control any third party sources

Creditpug does not take any responsibility for the content, practices, actions, privacy policies or terms of use of any third-party source. Read the privacy policy and terms of usage of third party sources that you interact with before engaging in any activity.

6.3. We expressly disclaim (and take no responsibility) for all warranties referred to appropriateness, accuracy, safety, usefulness, Intellectual Property Rights (defined below) of any Third Party Content.

It’s up to you to choose whether to view, use or interact with a third-party source/content. Your usage, reliance upon or interaction with third-party source/content is at your sole risk and discretion.

6.4. You take sole responsibility and liability for your interaction with third-party content

You consent to waive any legal rights you may have against Creditpug and thus release Creditpug from any and all liability arising from your usage/interaction on any third-party source. If you have any complaints and/or queries referred to a third party source or its content, you consent to address them to the third party source directly.

7. User submissions

7.1. Responsibility

Creditpug may allow the submission, publishing, sharing and hosting of content by you and other users (i.e. ‘User Submissions’). You understand that we do not guarantee any confidentiality with respect to any User Submissions whether or not they are published. You are solely responsible for the consequences of publishing, posting or uploading your User Submissions. The Site reserves the right to edit, censor, monitor, delete and/or remove any and all content posted on Creditpug.com at any time in our sole discretion with no further notice to you and for any reason. The Website has complete discretion whether to publish your User Submissions.

7.2. Ownership

You warrant and represent that you own or have all the necessary permissions and rights to authorize and use the Site to use all Intellectual Property Rights (defined below) in and to your User Submissions and to enable inclusion and use thereof as contemplated by Creditpug and its Terms. Unless the User Submissions are separately referred to all references herein to the content shall include references to User Submissions.

“Intellectual Property Rights” mean any and all titles, interests and rights whether foreign or domestic in and to any and all trademarks, copyrights, trade secrets, service marks, patents, know-how or similar Intellectual Property Rights as well as any and all moral rights of privacy, publicity and similar rights of any type under the regulations and laws or of any governmental, judicial or regulatory authority, domestic or foreign. You retain all of your ownership rights in and to your User Submissions.

7.3. License to user submissions

Submitting your User Submissions to Creditpug you hereby grant Us an irrevocable, worldwide, royalty-free, non-exclusive, transferable, sub-licensable and perpetual license to use, distribute, reproduce, prepare derivative works of display and perform the User Submissions connected to Our business including the absence of limitation for redistributing part or all of your User Submissions (and derivative works thereof) in any media formats and through any media channels and you hereby waive any moral rights in your User Submissions to the extent allowed by law. You also hereby grant every user of the Site or other viewer a non-exclusive right to reproduce, use, prepare derivative works of the display, distribute and perform such User Submissions according to the Terms.

7.4. Prohibited content

You agree not to post, display, publish, submit, transmit or upload a User Submission that: (1) is protected by trade secret, copyrighted or otherwise subject to third party proprietary rights including publicity and privacy rights unless you are the owner of such rights; (2) is deceptive or unfair under the consumer protection laws of any jurisdiction; (3) impersonates another person; (4) is risky for a person’s/public health/safety, compromisable to national security or interferes with an investigation by law enforcement; (5) violates export control laws, promotes illegal drugs, relates to illegal arms trafficking or gambling; (6) is defamatory, unlawful, threatening, libelous, harassing, pornographic, hateful, ethnically or racially offensive or encourages behavior that would be considered a criminal offense, violates any law, gives rise to civil liability or is inappropriate; (7) involves terrorism or theft; (8) is otherwise fraudulent or malicious.

7.5. Exposure

When you access and use the Site you acknowledge and understand that: (1) you may be exposed to User Submissions that are objectionable, offensive, inaccurate or indecent; (2) you will be exposed to User Submissions from different sources and that Creditpug is not responsible for the usefulness, accuracy, intellectual property rights, safety or relating to User Submissions. You hereby consent to waive any equitable or legal remedies or rights you may have against Creditpug with respect to (1) and (2) herein.

7.6 Complaints about content

We respect the intellectual property rights of others. Thus, Creditpug encourages you to contact us to report any content you believe violates your Intellectual Property Rights.

8. Information Description

Creditpug.com tries to be as accurate as possible. But we can’t and don’t warrant that the content available on the Site is reliable, accurate, error-free, complete or current. Creditpug reserves the right to make changes in or to the content or any part thereof in our sole judgment with no requirement of giving any notice prior to or after making such content changes. Your use of the content or any part thereof is made at your sole responsibility and risk.

9. Disclosure

Creditpug.com reserves the right to read, access, disclose and preserve any information that we get in connection with the Site and your use thereof as we reasonably believe is necessary to (1) enforce the Terms to investigate potential violations of them; (2) satisfy any applicable regulation, law, governmental request, legal process or subpoena; (3) respond to user support requests; (4) prevent, detect or otherwise address technical, security or fraud issues; (5) protect the safety, rights or property of Creditpug.

10. Links

10.1. The Site may contain links and/or enable you to post content to third-party sites that are not controlled or owned by Creditpug.

The Website is not affiliated with, has no control over and assumes no responsibility for the practices, content or privacy policies of any third party sources. You (1) take sole responsibility and liability for your use of and/or linking to third-party sources and any content you may send/post to a third-party source; (2) expressly release Creditpug from any and all liability arising from your use of any third-party source. Thus, we encourage you to read the terms of use and privacy policy of every third-party source you choose to visit.

10.2. Creditpug permits you to link to the provided website 

(1) the hyperlink text must accurately describe the content as it appears on the site; (2) you link to but don’t replicate any website page; (3) you will not misrepresent your relationship with Creditpug or present any inaccurate information about Creditpug and will in no way imply we are endorsing any products or services unless you got our express prior consent; (4) you will not link from a site containing content that (a) infringes any privacy rights, intellectual property or other rights of any person or entity; (b) is controversial or offensive (both at our discretion); (5) you, as well as your website, comply with these Terms and applicable law.

11. Privacy

Creditpug.com may use any personal information we may obtain or collect in connection with the Site according to our Privacy Policy. You consent that Creditpug may use personal information you provide or make available to us in accordance with the Privacy Policy.

12. Warranty Disclaimers

12.1. This section applies whether the services provided under the Site are for payment.

Applicable law may not permit the exclusion of some warranties, so to that extent, some exclusions set forth herein may not apply.

12.2. Creditpug is provided on ‘as available’ and ‘as is’ basis and with no warranties of any kind either implied or express.

Creditpug hereby disclaims all express or implied warranties, including title, implied warranties of merchantability, non-infringement, fitness for a particular purpose and those arising by statute or from a course of dealing or usage of trade. Creditpug perform no guarantee that the website is free of bugs, has no virus attacks or security breaches. The Site may occasionally be unavailable for upgrading, routine maintenance or other reasons. You consent that Creditpug will take no responsibility for any consequences to you or any third party that may arise from slow connections, technical problems of the internet, overload of our or other servers or traffic congestion. Creditpug doesn’t endorse, warrant or guarantee any service, content or product that is advertised/featured on the Site by a third party.

12.3. Creditpug claims no warranty, endorsement or guarantee regarding any content appearing in a User Submission, and represents or warranties with respect, and disclaims all liability for any such content.

12.4. You acknowledge Creditpug will not take any responsibility for the User Submissions or conduct (including offensive, defamatory, negligent or illegal conduct) of any site user and the harm risk or damage from the foregoing rests solely with you.

12.5. Your website content usage/reliance or interaction with any third party featured on the Site is at your risk. 

You consent that Creditpug is not and will not be liable for any damages/claims connected to or arising out of any dispute with any third party caused by your website usage.

12.6. Creditpug doesn’t make any express or implied warranties, representations or conditions of any kind, as to the security of activities you engage or any information you may provide while using the website, except as expressly stated in our Privacy Policy.

12.7. Creditpug endeavors to offer you valuable information about the services and products reviewed/featured on the Site.

To provide you with the free information we must seek revenue possibilities through other means. For instance, we can take a placement charge to those third parties featured on the Site and we may get commissions each time a user clicks through one or more such parties and/or actually purchases services/products offered by any of them. The revenues paid to Creditpug may not impact the information we perform about a certain third party featured on the Site.

13. Limitation of liability

Creditpug will not be liable for any exemplary, indirect, consequential, special or incidental damages of any kind or for any loss of profits, revenue data or reputation arising under these Terms or out of your use/inability to use the Site even if Creditpug.com has been advised of the possibility of such losses or damages to the fullest extent permissible by law.

14. Indemnity

You agree to indemnify, defend and hold harmless Creditpug, our respective officers, affiliates, directors, agents and employees from and against any and all obligations, claims, losses, damages, liabilities, expenses and costs (including attorney’s fees) arising from: (1) your user submissions; (2) your use or inability to use the Site; (3) your violation of the Terms; (4) your interaction with any Site user.

15. Term and termination

These terms remain effective until terminated by Creditpug. The Site in its sole discretion has the right to terminate the Terms and/or your website access or any its part thereof instantly at any time with or without cause. Creditpug won’t be liable to you or any third party for the Site (or any part thereof) termination. In case you object to any point of the Terms, any subsequent modifications thereto or become dissatisfied with the Site in any way, your only recourse is to instantly discontinue the website usage. Upon these Terms termination you will cease the website use.

16. Independent contractors

You and Creditpug are independent contractors. No point in these Terms builds any joint venture, agency, partnership or employment relationship between you and the Site. You must not make or undertake any commitments, representations, warranties or obligations on behalf of Creditpug.

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