Welcome to CRED Insurance! At CRED Insurance, we are curating all your insurance needs on one platform and bringing access at your fingertips.
Insurance is run by Dreamplug Advisory Solutions Private Limited (DASPL).
The following terms and conditions (“Terms of Use”) are specific to the use of CRED Insurance, its insurance facilitation services, and other products / services introduced thereon. All users using CRED Insurance shall be deemed to have read, understood, and agreed to be bound by these Terms of Use.By accessing and using CRED Insurance, you are representing the following:
(a) You are 18 years of age or older;
(b) You are capable of entering into a legally binding agreement;
(c) You are not barred or otherwise legally prohibited from accessing or using the CRED app, CRED Insurance, or the services offered by DASPL.
If you allow anyone to use your account, including individuals under 18 years of age, you will still be responsible for ensuring that such individuals comply with these Terms of Use. You will be responsible for all actions these individuals take in and/or through your account. You also acknowledge that DASPL does not have the responsibility of ensuring that You meet the aforesaid eligibility requirements.
Please read the terms and conditions carefully before registering, accessing or using DASPL Services (defined below) offered through the daspl.co.in website, CRED Insurance (defined below) or through applications or websites of CRED Group Entities (defined below).
These Terms of Use are a legal and binding contract between You and Dreamplug Advisory Services Private Limited (“DASPL”) having its registered office at 404 Uphar II CHS Ltd., Plot No.5, BHD Sanjeeva ENCL, 7 Bunglows, Near Juhu Circle, Mumbai, Maharashtra, India - 400061. You agree and acknowledge that you have read and agreed to the terms and conditions set forth below. If you do not agree to these Terms of Use or do not wish to be bound by these Terms of Use, you may not use the CRED Insurance and/or you must immediately terminate the DASPL Services and CRED Insurance.
“DASPL”, “We”, “Us”, “Our” means DASPL and the CRED Group Entities.
“You”, “Yours”, “Yourself”, “User” means any prospective user, or registered user of CRED Insurance, including but not limited to customers and Insurers.
“CRED” means Dreamplug Technologies Private Limited, having its registered office at 404 Uphar II CHS Ltd., Plot No.5, BHD Sanjeeva ENCL, 7 Bunglows, Near Juhu Circle, Mumbai, Maharashtra 400 061 and its corporate office at CRED, No. 769 and 770, 100 Feet Road, 12th Main, HAL 2nd Stage, Indiranagar, Bangalore 560038.
“CRED App” means the mobile application(s) hosted by CRED and CRED Group Entities for providing services to the Users and its commercial partners.
“CRED Group Entities” means subsidiaries and affiliates of CRED.
“CRED Platform” means any platform owned / subscribed / used by CRED or CRED Group Entities including but not limited to the CRED App, website, other mobile applications, devices, URLs / links, notifications, chatbots, CRED’s social media channels, or any other communication medium or mechanism used by CRED or CRED Group Entities to provide services to the Users.
“CRED Insurance” means the portion of the CRED Platform licensed by DASPL from CRED, and operated by DASPL for providing DASPL Services to the Users and DASPL’s commercial partners, including but not limited to the DASPL Website, other mobile applications, devices, URLs / links, notifications, chatbots, social media channels, or any other communication medium or mechanism used by DASPL to provide the DASPL Services to the Users.
“DASPL Website” means https://daspl.co.in or any other website hosted or registered by DASPL.
“DASPL Services” means and includes all services offered / to be offered by DASPL via CRED Insurance either directly or indirectly through the Insurers, and includes the use of CRED Insurance, its insurance facilitation services, and other products / services that may be introduced by DASPL thereon from time to time.
“Insurer(s)” means an entity/insurance company with whom DASPL (as a corporate agent) has a contractual relationship for Insurance solicitation and who offers Insurance to Users through CRED Insurance.
“Insurance” / “Insurance Products” means insurance products that are approved by IRDAI and that are provided by the Insurer to the User, through CRED Insurance.
“Insurance Facilitation Services” means provisioning of insurance facilitation services through CRED Insurance to facilitate and connect various Insurers to the User, including but not limited to renewals and any related services in relation to the Insurance.
“IRDAI” means Insurance Regulatory and Development Authority of India.
This document is an electronic record in terms of Information Technology Act, 2000 and rules thereunder as applicable and the provisions pertaining to electronic records in various statutes as amended by the Information Technology Act, 2000. This electronic record is generated by a computer system and does not require any physical or digital signatures. By using CRED Insurance, or by checking the tick box, or by clicking on the “I ACCEPT” button, or by use of any functionality of CRED Insurance, You are consenting to be bound by these Terms of Use.
DASPL reserves the right, in its sole discretion, to change, amend or otherwise modify the Terms of Use at any time, without prior notice, and Your continued access or use of CRED Insurance and the DASPL Services affirms Your consent of the updated, amended or modified Terms of Use from time to time. If You object to these Terms of Use or any subsequent amendment or modification of these Terms of Use in any way, Your only recourse is to immediately terminate use of CRED Insurance and the DASPL Services. We may require You to agree to additional terms (if any) between You and DASPL in connection with specific services that You may avail from us from time to time.
DASPL shall make CRED Insurance available to some or all of the Users at its sole discretion. DASPL may also suspend or discontinue offering CRED Insurance for any User at its sole discretion. You agree that:
(a) CRED Insurance provides You access and services through Your account with CRED, and that the DASPL Services may be provided to you by virtue of such account. By accessing the DASPL Services, you agree to CRED sharing all details / information regarding You and Your account to DASPL for DASPL to be able to provide the DASPL Services to you;
(b) CRED’s role in the CRED Insurance product is limited to providing space on a platform whereby Users can avail the DASPL Services. You acknowledge that CRED shall not be providing any Insurance related services to You directly;
(c) You agree and acknowledge that as part of availing any Insurance products on CRED Insurance, you may be required to create and / or access your e-insurance account via third party Insurers;
(d) unless otherwise permitted by DASPL in writing, You may only possess one account;
(e) Your use of CRED Insurance shall not violate any applicable laws or regulations;
(f) Your use of CRED Insurance shall only be for personal purposes;(g) all details and information you submit while using CRED Insurance is true, accurate, current, and complete, and you agree to maintain true, accurate, current, and complete up-to-date information in your account while using CRED Insurance;
(h) You are prohibited from selling, trading, or otherwise transferring Your access to CRED Insurance to any other party;
(i) You are responsible for maintaining the confidentiality of the access credentials of Your account, and You are fully responsible for all the activities carried out therein, Your credentials that are used to access Your account and authorise transactions on CRED Insurance, including restricting access to Your device in which You shall be accessing CRED Insurance;
(j) You agree that You are aware and responsible for all transactions taking place through your account. You shall continue to be responsible for the transactions in your account, if you knowingly or negligently (i) grant any other person access to Your account, (ii) permit them to transact on Your account, or (iii) transact on any other person’s behalf or directions; whether by sharing one-time passwords or in any other manner;
(k) You will immediately notify DASPL of any unauthorized use of your access to CRED Insurance or any breach of security;
(l) You shall not indulge in decompiling, reverse engineering, disassembling content, removing any intellectual property right associated with CRED Insurance, including our copyright, trademarks, trade secrets, designs, and patents, or other proprietary notices;
(m) You shall not access or use CRED Insurance in any manner that (i) may be harmful to the operation of CRED Insurance or its content; (ii) may be unlawful; (iii) maybe harmful to CRED, DASPL, or to any other User; (iv) may hinder the other User’s enjoyment of CRED or CRED Insurance; or (v) to defraud other Users, CRED or any commercial partner.
(n) You shall not post, distribute, or otherwise transmit or make available any software or other computer files that contain a virus, other harmful component or malicious content, or otherwise impair or damage the CRED App, CRED Insurance, or any connected network, or otherwise interfere with any person or entity's use or enjoyment of CRED Insurance.
(o) You shall not delete or modify any content of the CRED app or CRED Insurance.
(p) Your use of CRED Insurance shall indicate that you have provided consent to automatically receive updates such as bug fixes, patches, enhanced functions, missing plug-ins and new versions (collectively, ‘Updates’), for the purpose of effective delivery of the DASPL Services. Do note that your continued use of CRED Insurance following such Updates would mean deemed acceptance by you of the same.
(q) You understand and accept that not all products, services and rewards offered on CRED Insurance are available in all geographic areas and you may not be eligible for all the products, services and rewards offered by DASPL on CRED Insurance or other CRED Platforms. DASPL reserves the right to determine the availability and eligibility for any product, services and rewards offered on CRED Insurance or any CRED Platform.
(r) If your device has been lost or stolen, you shall request CRED to block Your account and change the passcode for the account immediately .
(s) You are availing the Insurance facilitation services and the DASPL Services generally under these Terms of Use only on Your own behalf and not on behalf or in respect of any third party. You authorise us to contact You via telephone, email, SMS or other medium in relation to these Terms of Use.
DASPL is a registered Corporate Agent (CA Registration No: CA0841) with IRDAI and hereby provides its Insurance facilitation services to You subject to the conditions under these Terms of Use.Insurance is a subject matter of solicitation. Merely enquiring or submitting a proposal form containing Your details may not entitle You to an Insurance cover, as any Insurance offered is subject to underwriting rules and the policies of the Insurer. You understand that the Insurer may define their own internal terms for their respective Insurance policy, which shall be governed by the Insurer’s underwriting guidelines and policy terms and conditions.
DASPL acts as a corporate agent as part of Insurance solicitation and does not participate in underwriting the Insurance risk or carry the risk or act as an Insurer at any time. Any Insurance solicited on CRED Insurance is issued by the respective Insurer. Purchase of any Insurance product by You is at your discretion, purely voluntary, and not linked to availing any other facility from DASPL or CRED. For more details on risk factors, product details, terms and conditions and exclusions please read the relevant product brochure/policy wording/terms and conditions carefully before conclusion of sale. You agree that:
(a) the information and declarations that You provide on CRED App and CRED Insurance shall be true, accurate, current, correct and complete and any incorrect disclosure may lead to rejection of the proposal form and even repudiation of claim of any event covered as part of Your Insurance policy/cover. You understand that DASPL in its capacity of corporate agent shall not be held liable for any losses to You or Your heir(s), as applicable, due to any such incorrect information or disclosure by You.
(b) if You provide any information that is or becomes untrue, inaccurate, not updated or incomplete, or if DASPL or the Insurer has reasonable grounds to suspect the authenticity of such information, then DASPL and / or the Insurer has the right to refuse to provide You Insurance facilitation services / any Insurance or other products.
(c) for undertaking any financial transaction through CRED Insurance, DASPL, CRED, the Insurers, or their agents may undertake customer due diligence measures and seek mandatory information required for KYC purpose while facilitating your request of Insurance with the Insurer, in accordance with applicable laws, including the Prevention of Money Laundering Act (“PMLA”) and rules, and as per the directives of the Insurer and/or IRDAI. As a customer, You are obliged to provide such information, which may include your name, mobile number, email address, date of birth, permanent account number, or any other identity / address proof as may be deemed necessary. To enable the Insurer to comply with the KYC requirements prescribed under applicable laws, You hereby provide your consent to DASPL, CRED, and/or the Insurer and/or their respective authorised representatives/agents for obtaining and authenticating Your KYC information with the relevant regulatory authorities.
(d) DASPL, CRED, or the Insurer may also request additional information to establish, to their satisfaction, the identity of each new customer, and the purpose / nature of the insurance relationship between You and the Insurer. You agree to support Us and/or the Insurer in such instances.
(e) DASPL shall maintain the information provided by You in accordance with applicable laws, including the directions of the IRDAI. This information shall also be maintained even after You close CRED Insurance, uninstall the CRED Platform, delete Your account, or cease using the same for long periods of time, as permitted under applicable laws.
(f) You shall not hold DASPL liable in case any Insurance policy is rejected by an Insurer.
(g) You hereby agree that nothing on CRED Insurance or the CRED Platform shall be construed as conferring any license on any person under any of DASPL’s or any third party’s intellectual property rights, whether by estoppel, implication, or otherwise.
(h) by using CRED Insurance and the DASPL Services, You agree not to use its contents for any commercial purpose, make any speculative, false, or fraudulent or illegal transaction or any transaction in anticipation of demand; access, monitor or copy any content or information of CRED App using any scraper or other automated means or any manual process for any purpose, whatsoever. You shall not upload, post, or transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any software or hardware of the CRED App.
(i) You agree and authorize DASPL to store and share Your details/information with our affiliates, CRED Group Entities, partners, third parties in so far as required for offering value-added services, in association with the DASPL Services selected by You or generally otherwise and You may be contacted by them for information and for sales through email, telephone and/or SMS.
All cancellations, returns, refunds, warranty, concerns, complaints or other customer support requests in relation to the products and services availed from the Insurers must be directed to the Insurers directly. CRED Insurance / DASPL is not obligated to mediate disputes between Users and Insurers or between them and any payment system participants.In the event that CRED Insurance / DASPL is notified by any User of queries/ complaints/ issues/ grievances in relation to the products and services of the Insurers, it shall inform the Insurers of the same. The Insurer shall be required to resolve such disputes in accordance with the provisions stipulated in the relevant agreements with the Insurers.
If We believe that you have violated any of the conditions as mentioned under these Terms of Use, our Privacy Policy, or any agreements consented to via the CRED App / CRED Insurance, we reserve the right to suspend your access to CRED Insurance / CRED App and/or delete your account without prior notice to You.
If We have reason to believe that there is suspicious or unusual activity being carried out through your account, we may temporarily or permanently suspend your access to the DASPL Services.
If we suspect that any feature, offer or promotion is being availed by You in a manner (i) that is disingenuous; (ii) that it is not intended to be availed; (iii) that purports to artificially increase (or decrease) your transaction volume or usage of the CRED App; (iv) that is designed to deliberately side step fair use restrictions; (v) that may result in you gaining an undue, unfair or unethical advantage over other Users or Insurers; (vi) that is intended to cause losses or other harm to Insurers, DASPL reserves the right to reverse the relevant transaction, suspend the account or restrict you from using CRED Insurance in its entirety or any specific feature(s) thereof. You may reach out to the DASPL support team to assist you with any query or question arising as a result of the aforementioned suspension/ deletion.
You are responsible for any fees that may be applicable to certain transactions or use of CRED Insurance; where you will be notified of such applicable fees, prior to the completion of any transaction.
By clicking ‘Proceed’ / ‘Submit’ / ‘Continue’ or any other similar button on CRED Insurance, You shall be deemed to have consented to the fees displayed on the said page.
All payments with respect to refunds shall be the sole responsibility of the Insurer per the rules and regulations laid down by the IRDAI. Kindly contact the Insurer for the same. You understand that DASPL has tied up with authorized payment gateways to allow You to make online payments towards Your Insurance premium amount and is only acting as a mere facilitator. You, as a cardholder, may dispute a transaction carried out through CRED Insurance and file a chargeback with Your issuing bank for the reversal of that transaction. Chargeback allows transactions to be reversed by You under specified circumstances. However, honouring a chargeback by DASPL or Insurer is subject to review and investigation and any chargeback raised may not be always honoured.
We collect, hold, use and transfer your personal data in accordance with our Privacy Policy. By agreeing to the Terms of Use, you also hereby agree to our Privacy Policy, which may be updated and/or modified by us from time to time.
You understand and agree that, to the extent permitted by applicable law, any data provided by you in connection with the DASPL Services may be shared with our subsidiaries, affiliates or partners, and/ or used by us for enhancing the DASPL Services, including but not limited to creating new products. Please refer to the Privacy Policy for further clarity on the subject.
Per the provisions of the Terms of Use herein, You agree to indemnify, defend and hold harmless DASPL, CRED, the CRED Group Entities, the Insurer(s), and each of their respective directors, officers, owners, employees, partners, members, agents, representatives, co-branders and other applicable third parties (collectively “Indemnified Parties”) from and against any and all claims, demands, damages, causes of action, cost, debt, expenses or liability, including reasonable attorney’s fees, incurred by the Indemnified Parties arising out of, related to, or which may arise from:
(a) Your use of and access to the CRED App, CRED Insurance, and the DASPL Services;
(b) any breach or non-compliance or violation by You of any Terms of Use or the terms of the Insurer;
(c) any dispute or litigation caused by Your action or omission;
(d) Your negligence or violation of any applicable laws or right of a third party; including any intellectual property right or privacy right; or
(e) any claim that Your use of the CRED App, CRED Insurance, or DASPL Services caused damage to a third party.
In no event shall DASPL, its group entities, their officers, shareholders, subsidiaries, associate companies, directors, employees and agents, partners, co-branders, licensors, licensees, consultant, or contractors be liable to You or any third party for any indirect, special, incidental, punitive or consequential damages, or losses whatsoever, lost data or lost profits, goodwill and/or other intangible loss / opportunity etc., arising out of or in connection with Your usage of or inability to use the DASPL Services and/or the CRED App and / or CRED Insurance, Your access to, display of or use of the same or with the delay or inability to access, display or use the same, whether in an action of tort, contract, negligence or other action, and regardless of whether DASPL has been advised of the possibility of such damages.
Further, notwithstanding anything contained otherwise, under no circumstance shall the total cumulative liability of DASPL and its group entities to You in connection with the Your use of the DASPL Services, CRED App, CRED Insurance, or all damages, losses and causes of action (whether arising under contract or otherwise) arising from these Terms of exceed INR 10,000 (Indian Rupees Ten Thousand only).
You agree that in case of any dispute between You and the Insurer, DASPL shall not be a party to the same. DASPL may at its own discretion however, without having any obligation to do so, assist in resolving the disputes between You and the Insurer.
Any dispute, conflict, claim or controversy arising out of or broadly in connection with or relating to the DASPL Services or these Terms of Use, including those relating to its validity, its construction or its enforceability shall be first raised by the user to grievance@daspl.co.in. If such Dispute has not been settled within sixty (60) days after the User reaches out to the aforementioned email ID, such Dispute can be referred to and shall be exclusively and finally resolved by arbitration under the Arbitration and Conciliation Act, 1996 (“Act”). Provided, however, when DASPL raises any dispute, DASPL may directly initiate arbitration in accordance with this clause. The Dispute shall be resolved by one (1) arbitrator to be appointed by DASPL. The place the arbitration shall be Bangalore, India. The language of the arbitration shall be English. The existence and content of the arbitration proceedings, including documents and briefs submitted by the parties, and correspondence, orders and awards issued by the sole arbitrator, shall remain strictly confidential and shall not be disclosed to any third party without the express written consent from the other party unless: (i) the disclosure to the third party is reasonably required in the context of conducting arbitration proceedings; and (ii) the third party agrees unconditionally in writing to be bound by the confidentiality obligation stipulated herein.
These User Terms shall be governed and construed in accordance with the laws of India.
DASPL or CRED shall not be liable for any failure or delay to perform any of their obligations if such performance is prevented, hindered or delayed, in part or entirely, by any Force Majeure event beyond the control of DASPL (such as war, sabotage, fire, flood, pandemic, epidemic, explosion, earthquake, acts of god, acts of third parties, civil commotion, lock down, strikes or industrial action of any kind, riots, insurgency, acts of government/regulator, breach of computer systems, malfunctioning of computer systems/ servers by any malicious code or virus, mechanical or technical errors/failures, power shutdown, failures in telecommunication or internet services etc.).
DASPL reserves the right to withdraw/ suspend the DASPL Services so long as the Force Majeure event continues.
CRED App, CRED Insurance, CRED Website, CRED logos, the CRED Platform, and the DASPL Services are protected by copyright, trademarks, patents, trade secret and/or other intellectual property laws. No information, content or material from the CRED App including, without limitation, all of the page headers, images, illustrations, graphics, audio clips, video clips or text, reports generated, trademarks, tradenames may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without DASPL’s express written permission. You are hereby given a limited licence to use the CRED App and CRED Insurance, subject to your agreement of these Terms of Use.
CRED, CRED Group Entities, and its licensors, if any, are the sole owners of the underlying software and source code associated with the CRED App and CRED Platforms as well as any other intellectual property rights of any other nature associated with the CRED App, CRED Platforms, CRED Insurance, and their content.
When you upload, submit, store, send or receive content that may include feedback to or through the CRED App, you give CRED and CRED Group Entities a worldwide, perpetual licence to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. This licence shall not expire even if it is not used by CRED or CRED Group Entities. The rights you grant in this licence are for the limited purpose of operating, promoting, and improving the CRED Services, and to develop new ones. This licence continues even if you stop using the CRED Services.
All information and content including any software programs available on or through CRED Insurance is protected by copyright. You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any such content available on or through CRED Insurance for commercial or public purposes.
If You have comments regarding the DASPL Services and/or CRED Insurance and / or CRED App or ideas on how to improve it, please contact our customer service. Please note that by doing so, You hereby irrevocably assign to CRED or DASPL, as the case may be, and shall assign to CRED or DASPL, all rights, title and interests in and to all ideas and suggestions and any and all worldwide intellectual property rights associated therewith. You agree to perform such acts and execute such documents as may be reasonably necessary to perfect the foregoing rights.
You hereby agree to comply with any and all applicable tax laws in connection with your use of the CRED App, CRED Insurance, DASPL Services, including without limitation, the reporting and payment of any taxes arising in connection with payments made through the CRED App, or funds/income received through the DASPL Services.
You hereby agree and acknowledge that if and when required by applicable law, DASPL may deduct tax deducted at source from your services / winnings/ cashback and/or may require You to submit PAN details before providing you cashback or other services.
You shall not transfer or assign any of Your rights and obligations arising from these Terms of Use.
You agree and acknowledge that DASPL may assign or transfer its rights and obligations under these Terms of Use in whole or in part, to (i) any other CRED Group Entity; (ii) an acquirer of CRED or any CRED Group Entity or their respective equity interest, business or assets; or (iii) a successor entity resulting from any corporate action including mergers or demergers.
No joint venture, partnership, employment or agency relationship exists between you, CRED, DASPL, CRED Group Entities or any third party as a result of the contract contained in these Terms of Use.
If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, in whole or in part, under any law, such provision or part thereof shall to that extent be deemed not to form part of these Terms of Use but the legality, validity and enforceability of the other provisions in these Terms of Use shall not be affected. In that event, DASPL shall replace the illegal, invalid or unenforceable provision or part thereof with a provision or part thereof that is legal, valid and enforceable and that has, to the greatest extent possible, a similar effect as the illegal, invalid or unenforceable provision or part thereof, given the contents and purpose of these Terms of Use.
These Terms of Use (together with any additional terms displayed in specific sections of the CRED App or CRED Website) constitute the entire agreement and understanding of the parties with respect to its subject matter and replaces and supersedes all prior or contemporaneous agreements or undertakings regarding such subject matter.
We may amend these Terms of Use at any time by posting an updated version on the CRED App. The updated version of these Terms of Use shall supersede the previous version of the Terms of Use and take effect immediately upon posting.
You have the right to opt-out of agreeing to these Terms of Use or any future updated version of the Terms of Use, by ceasing to use CRED Insurance. However, please be aware that your continued use of CRED Insurance and / or the DASPL Services from the launch of any updated Terms of Use would mean deemed acceptance of such updated Terms of Use including any modification thereof. We recommend you keep checking the Terms of Use often to be familiar with any updates and changes.
If you have any concerns, complaints or grievances about the terms or other Users or their manner of use of the application infringe or violate your rights or any complaints about how we handle your personal information, please feel free to contact customer support within CRED Insurance, or the Grievance Officer any time at grievance@daspl.co.in.
If you have any concerns, complaints or grievances about the terms of any Insurance Product, please feel free to contact customer support within such Insurer’s customer support. If you have any further complaints, you may contact the IRDAI at:
IRDAI portal: https://bimabharosa.irdai.gov.in/
Email: complaints@irdai.gov.in
Notwithstanding anything contained otherwise, any provision hereunder that by its nature is intended to survive termination, will survive such termination.
The failure of DASPL, CRED, CRED Group Entities, or any other person authorized by them to exercise or enforce any right or provision of these Terms of Use will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by DASPL.
Except as otherwise expressly provided in these Terms of Use, there shall be no third-party beneficiaries to these Terms of Use.
These Terms of Use constitute the entire agreement between You and DASPL and governs Your use of CRED Insurance for using the DASPL Services, superseding any prior agreements between You and DASPL, only with respect to the services provided in capacity of a corporate agent as per the guidelines of IRDAI. The services offered on the CRED App by CRED will continue to be governed by the terms and conditions available at https://cred.club/terms