Terms of Service

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1. Introduction

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "User," or "you") and CreditBoosters USA, Inc., a Delaware corporation headquartered at 4207 Ridgepoint Drive, Suite 140, Austin, TX 78731 ("CreditBoosters," "we," "us," or "our").

By accessing or using the CreditBoosters platform, website, APIs, or any associated services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and all referenced policies, including our Privacy Policy and Acceptable Use Policy.

2. Service Description

CreditBoosters USA operates a software-as-a-service platform designed to facilitate continuing education (CE) credit management for licensed professionals, education providers, employers, and licensing boards. Core functionality includes:

• CreditTracker Pro: individualized and team dashboards for tracking earned CE credits, pending requirements, and renewal deadlines.
• VerifyConnect: real-time credential verification API for employers and regulatory bodies.
• CourseSync: automated credit reporting integrations for approved education providers.
• ComplianceGuard: proactive compliance monitoring, gap analysis, and escalation alerts.

The Service also generates transactional notifications — including enrollment confirmations, credit completion receipts, deadline reminders, verification alerts, and account security messages — delivered via email to registered users and contracted clients.

3. Eligibility & Access

The Service is available to individuals who are at least 18 years of age and to organizations that are duly incorporated or registered to conduct business. By registering for an account, you represent that:

• You have the legal capacity to enter into these Terms.
• All information you provide during registration is accurate, current, and complete.
• You will promptly update your account information if any details change.
• If acting on behalf of an organization, you have the authority to bind that organization to these Terms.

We reserve the right to refuse access to any person or entity at our sole discretion.

4. Client and User Obligations

As a user of the Service, you agree to:

• Maintain the confidentiality of your login credentials and immediately notify us of any unauthorized access.
• Use the Service only for its intended purpose — managing, tracking, and verifying continuing education credits.
• Comply with all laws, regulations, and professional licensing requirements applicable to your jurisdiction.
• Not share, transfer, or sublicense your account access to unauthorized third parties.
• Provide accurate and truthful information when submitting credits, documentation, or verification requests.
• Review and comply with our Acceptable Use Policy.

5. Prohibited Uses

You may not use the Service for any purpose that is unlawful, harmful, or inconsistent with these Terms. Specifically, you agree not to:

• Send, facilitate, or enable the transmission of unsolicited commercial email (spam), bulk marketing messages, newsletters, or cold outreach of any kind.
• Use, import, or upload purchased, rented, scraped, or harvested email lists or contact databases.
• Distribute malware, phishing content, or any material designed to deceive, defraud, or harm recipients.
• Attempt to circumvent platform security measures, rate limits, or access controls.
• Use the Service to process or store data unrelated to continuing education or credential management.
• Impersonate another individual, organization, or licensing body.
• Submit fraudulent CE credit claims or falsified course completion records.
• Reverse engineer, decompile, or attempt to extract the source code of the Service.

6. Fees & Payment

Access to the Service is offered under subscription plans as described on our website or in your signed service agreement. By subscribing, you agree that:

• Fees are billed monthly or annually in advance, as selected at the time of purchase.
• All fees are quoted in United States dollars (USD) and are non-refundable except where otherwise stated in writing.
• We may adjust pricing with at least 30 days' written notice before the start of a new billing cycle.
• Late payments may result in suspension of access after a 15-day grace period and written notice.
• Payments are processed through Stripe. By providing payment information, you agree to Stripe's terms of service.

7. Intellectual Property

All content, software, algorithms, designs, trademarks, and documentation comprising the Service are the exclusive property of CreditBoosters USA, Inc. or its licensors. These Terms do not grant you any ownership interest in the Service. You receive a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose during the term of your subscription.

Content you upload to the platform — such as course records, documentation, and profile information — remains your property. By uploading, you grant us a limited license to process and display that content as necessary to provide the Service.

8. Confidentiality

Both parties agree to treat as confidential any non-public information disclosed by the other party in connection with the Service, including business strategies, client lists, technical specifications, and pricing. Confidential information shall not be disclosed to third parties without prior written consent, except as required by law or as necessary to perform obligations under these Terms (e.g., to sub-processors listed in our Privacy Policy).

9. Data Protection

We take data privacy seriously. Our handling of personal data is governed by our Privacy Policy, which details:

• What data we collect and why.
• Legal bases for processing under GDPR.
• Your rights under GDPR and CCPA.
• Our sub-processors and international transfer safeguards.
• Data retention schedules.

If you are an institutional client processing data of your own employees or members through our platform, you may be acting as a data controller while we act as a data processor. A Data Processing Agreement (DPA) is available upon request.

10. Service Availability & SLA

We target 99.9% monthly uptime for core platform services, excluding scheduled maintenance. Scheduled maintenance windows are communicated at least 48 hours in advance via email and in-app notification, and are typically performed during off-peak hours (Sundays 2:00–6:00 AM CT).

In the event of unscheduled downtime exceeding our SLA target, affected clients on annual plans may request a service credit as outlined in their service agreement. Service credits do not apply to downtime caused by:

• Force majeure events (natural disasters, government actions, utility failures).
• Client-side issues (misconfigured integrations, network problems).
• Third-party service provider outages beyond our control.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDITBOOSTERS USA, INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, REVENUE, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

Our total aggregate liability for any claims arising under these Terms shall not exceed the amount you paid to us for the Service during the twelve (12) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless CreditBoosters USA, Inc., its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms or any applicable law.
• Your misuse of the Service.
• Content or data you upload, transmit, or make available through the Service.
• Your infringement of any third-party intellectual property or privacy rights.

13. Termination

Either party may terminate this agreement as follows:

• By you: You may cancel your subscription at any time through your account settings or by contacting support@creditboostersusa.com. Access continues until the end of your current billing period.
• By us (for cause): We may suspend or terminate your access immediately if you breach these Terms, the Acceptable Use Policy, or engage in conduct that threatens the integrity or security of the Service.
• By us (for convenience): We may discontinue the Service with at least 90 days' written notice, providing prorated refunds for prepaid periods.

Upon termination, you may request export of your data within 30 days. After that period, data is permanently deleted in accordance with our Privacy Policy.

14. Dispute Resolution & Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict-of-law principles.

Any dispute arising from or relating to these Terms shall first be addressed through good-faith negotiation between the parties for a period of at least 30 days. If unresolved, the dispute shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with proceedings held in Austin, Texas.

Nothing in this section prevents either party from seeking injunctive or equitable relief from a court of competent jurisdiction to protect intellectual property rights or prevent irreparable harm.

15. Contact Information

For questions, concerns, or notices related to these Terms, please contact:

CreditBoosters USA, Inc.
Attn: Legal Department
4207 Ridgepoint Drive, Suite 140
Austin, TX 78731
Email: legal@creditboostersusa.com
Phone: +1 (512) 843-6291

For general support inquiries, visit our Contact & Support page.