Terms And Conditions

Intellectual Property

All content published and made available on our site, including but not limited to text, logos, documents, downloadable files, and any other components contributing to the site's composition, is the property of CreditNest and the site's creators.

Age Restriction

You must be at least 18 years old to use this website. By accessing and using this site, you affirm that you meet the minimum age requirement. We do not claim any responsibility for false statements regarding age.

Acceptable Use

As a user of our site, you agree to use our site legally and not for illegal purposes. Specifically, you agree not to:

• Act in any way that could be considered fraudulent.
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• Use automated means, such as bots or scripts, to access or interact with the website unless explicitly permitted.
• Attempt to gain unauthorized access to any part of the website, including restricted areas, accounts, or systems.
• Engage in any activity that may disrupt or interfere with the functioning of the website, its servers, or networks.
• Infringe upon any copyrights, trademarks, or other proprietary rights.

Sale of Services

These Terms and Conditions govern the sale of services on our site. The following services are available to employers and SELF-EMPLOYED individuals (e.g., sole proprietor, 1099 contractor, freelancer, single-member LLC, gig worker):

• Tax credit consulting
• Payroll benefits

Third-Party Goods and Services

Our site may offer goods and services from third parties, including lending partners who assist in covering CreditNest fees.

Payment Terms

We accept the following payment methods on our site and utilize Stripe as our payment processor. Stripe employs encrypted technology to ensure the security of your payment information.

Accepted Payment Methods:

• Credit Cards (Visa, Mastercard, American Express, Discover)
• Debit Cards

When you provide us with your payment information, you authorize Stripe Payments to use and access the payment instrument you have chosen to use. We do not hold or store any payment information; this information is securely stored with Stripe. By providing us with your payment information, you authorize us to charge the specified amount to this payment instrument.

If we believe that your payment has violated any law or Terms and Conditions, we reserve the right to cancel or reverse your transaction.

Consumer Protection

In the event that consumer protection legislation in your jurisdiction applies and cannot be excluded, these Terms and Conditions will not restrict your legal rights and remedies as provided by that legislation. These Terms and Conditions will be interpreted in accordance with the mandatory provisions of such legislation. If there is a conflict between these Terms and Conditions and the mandatory provisions of that legislation, the provisions of the legislation shall take precedence.

Limitation of Liability

Our directors, officers, agents, employees, subsidiaries, and affiliates shall not be liable for any actions, claims, losses, damages, liabilities, or expenses, including legal fees, arising out of the use of our Site.

Indemnity

Except where prohibited by law, by using this site, you agree to indemnify and hold harmless CreditNest, as well as our directors, officers, agents, employees, subsidiaries, and affiliates, from any claims, losses, damages, liabilities, or expenses, including legal fees, arising from your use of our site or your violation of these Terms and Conditions

Applicable Law

These Terms and Conditions are governed by the laws of the State of Wyoming.

Additional Terms

By using this site, you consent to the use of cookies for tracking and analytics purposes. You also agree to receive SMS notifications from Creditnest by opting in to our SMS service. For more information about how we collect, use, and protect your personal information, please refer to our Privacy Policy.

Severability

In the event that any provision of these Terms and Conditions is deemed inconsistent or invalid under applicable laws, such provision shall be deemed void and severed from these Terms and Conditions. The validity of the remaining provisions shall not be affected and shall continue to be binding.

Changes

These Terms and Conditions may be modified from time to time to ensure compliance with the law and to reflect any adjustments in the operation of our site or expected user behavior. Users will be notified of any changes either via email or through a notice posted on our site.

Contact Information

If you have any questions or concerns, please don't hesitate to reach out to us. You can contact us via email at Help@creditnest.io. or visit us at 111 North Wabash Ave. Ste. 100, The Garland Building, Chicago, IL 60602, United States.