Terms of Use

Table of contents

1. Definitions
2. Agreement
3. Registration
4. Fees
5. Invoicing
6. Trial Period
7. Payment Methods
8. Cancellation of Membership, Refunds and General Invoicing Provisions
9. Termination
10. Loss of Data, Content and Capacity
11. General Membership Terms
12. CredSyntex Content
13. Social Media Pages
14. User License
15. Privacy Policy
16. External Links
17. Indemnification
18. Disclaimer of Warranties
19. Limitation of Liability
20. Proprietary Rights/Intellectual Property
21. Opt-Outs
22. Dispute Resolution
23. Notice for Claims of Copyright Violations
24. Anti-Money Laundering Policy
25. Final Provisions
26. Force Majeure
27. Feedback and Suggestions
28. Contact/Support Centre

1. Definitions

   CredSyntex: CredSyntex helps you reach short-term and long-term financial goals and helps you manage and control your finances. Get a real-time picture of your financial state and spending habits, so you can save more and create good short-term and long-term financial goals. All you need to do is manually import your daily transactions and financial details, without any links to your bank accounts, and you’ll be able to track and manage your money using the tools and features available through our planner. We offer tips and recommendations that can help you save more and make smarter financial decisions. There is even an option to receive alerts on your due dates, so you can pay your bills on time. Avoid splurges and create clear and concise financial reports faster than ever before. All the tools in our planner are placed on a single dashboard that anyone can use.

   CredSyntex Content: All content that can be accessed, downloaded, and interacted with on the CredSyntex website. This includes, but is not limited to, interactive content, text, audio, video, photographs, graphics, artwork, and more.

   Membership: the agreement between the User and CredSyntex to provide access to the Services for a period of time.

   Payment Method: the credit card, debit card, PayPal account, or other payment method that the User uses to pay for their Membership.

   Services: the interactive content, text, audio, video, photographs, graphics, artwork and more that are available through the Membership.

   Site Offerings: the Site, Services.

   Social Media Pages: Pages hosted on third-party websites that are related to CredSyntex and are subject to the applicable agreements and Terms of Use of those Social Media Websites.

   Social Media Websites: Third-party websites where CredSyntex's Social Media Pages are hosted.

   User: the person who registers for a Membership and provides their Payment Method information.

2. Agreement

   You meet the minimum age requirement (18 years), you inhabit in one of the countries CredSyntex is operating and you are legally able to enter into binding contracts, as per applicable law. This Agreement is the sole and complete understanding between you and CredSyntex about your use of the Site Offerings. Any offers or products made available to you on the Site that enhance or complement the current features of the Site Offerings will be subject to this Agreement, unless stated otherwise. CredSyntex is not responsible if you are unable to use the Site Offerings.

   This Agreement may be revised or modified at any time without prior notification to you. Any disputes that occurred before the amendment of the Dispute Resolution Provisions, or charges incurred before the amendment of the Billing Provisions, will still be managed according to the Dispute Resolution Provisions and Billing Provisions in place at that time. To view the most up-to-date version of this Agreement, please visit CredSyntex’s website. By continuing to use the Site Offerings, you agree to be bound by all applicable terms and conditions.

   By using CredSyntex Services, you also acknowledge that you have read the Privacy Statement.

3. Registration

   In order to use certain Site Offerings, you may need to fill out a registration form (the “Form”). It will ask for information such as:

   • Your name

   • Mailing/billing address

   • Email address

   • Phone number

   • Credit card details (if buying Merchandise and/or Membership)

   • Any other information CredSyntex requests

   By registering on CredSyntex you agree to keep the information related to your security of the service confidential, to be responsible for all the consequences resulting from the use of your account and to pay your invoice according to the billing cycle until your subscription is terminated or cancelled.

   Your Registration Data must be accurate, current, and complete in order for us to keep it up to date. You can at any time change your address, user details and update your payment methods via “My Account”. CredSyntex will consider the person or entity who has access to the email address as the owner of the Membership. CredSyntex retains the right to reject and/or terminate your Registration at any time for any reason, such as if CredSyntex believes you have breached the Agreement, are engaging in improper conduct, or are conducting unauthorised commercial activity.

4. Fees

   It's important to make sure you're paying the correct price for your Membership, based on the country where you're registering. If the price you're charged is incorrect, please contact our customer support team at [email protected] for help. To give you an idea of pricing, here's an overview of the cost for each country CredSyntex Membership is available in.

   Plan Name: CredSyntex Bronze

   Country	Trial Days	Trial Price	Recurring Interval - Days	Recurring Price
   Argentina	3	3767.00 ARS	14	20499.00 ARS
   Austria	3	3.00 EUR	14	66.00 EUR
   Australia	3	5.00 AUD	14	93.00 AUD
   Belgium	3	3.00 EUR	14	48.00 EUR
   Bulgaria	3	6.00 BGN	14	86.00 BGN
   Canada	3	5.00 CAD	14	83.00 CAD
   Switzerland	3	3.00 CHF	14	61.00 CHF
   Chile	3	3114.00 CLP	14	24630.00 CLP
   Colombia	3	14039.00 COP	14	110999.00 COP
   Czech Republic	3	75.00 CZK	14	739.00 CZK
   Germany	3	3.00 EUR	14	67.00 EUR
   Ecuador	3	3.00 USD	14	21.00 USD
   Estonia	3	3.00 EUR	14	54.00 EUR
   Spain	3	3.00 EUR	14	54.00 EUR
   Finland	3	3.00 EUR	14	66.00 EUR
   France	3	3.00 EUR	14	38.00 EUR
   United Kingdom	3	3.00 GBP	14	45.00 GBP
   Greece	3	3.00 EUR	14	44.00 EUR
   Hong Kong	3	26.00 HKD	14	379.00 HKD
   Croatia	3	3.00 EUR	14	44.00 EUR
   Hungary	3	1215.00 HUF	14	15699.00 HUF
   Indonesia	3	55422.00 IDR	14	439549.00 IDR
   Republic of Ireland	3	3.00 EUR	14	44.00 EUR
   Israel	3	12.00 ILS	14	175.00 ILS
   Iceland	3	3.00 EUR	14	44.00 EUR
   Italy	3	3.00 EUR	14	38.00 EUR
   Japan	3	493.00 JPY	14	7175.00 JPY
   Korea	3	4756.00 KRW	14	37699.00 KRW
   Kazakhstan	3	3.00 USD	14	21.00 USD
   Liechtenstein	3	3.00 CHF	14	61.00 CHF
   Lithuania	3	3.00 EUR	14	54.00 EUR
   Luxembourg	3	3.00 EUR	14	66.00 EUR
   Latvia	3	3.00 EUR	14	54.00 EUR
   Morocco	3	3.00 USD	14	27.00 USD
   Monaco	3	3.00 EUR	14	66.00 EUR
   Moldova	3	3.00 USD	14	27.00 USD
   Malta	3	3.00 EUR	14	44.00 EUR
   Mexico	3	65.00 MXN	14	399.00 MXN
   Malaysia	3	14.00 MYR	14	210.00 MYR
   Netherlands	3	3.00 EUR	14	66.00 EUR
   Norway	3	35.00 NOK	14	763.00 NOK
   New Zealand	3	6.00 NZD	14	83.00 NZD
   Peru	3	3.00 USD	14	23.00 USD
   Philippines	3	186.00 PHP	14	1465.00 PHP
   Poland	3	13.00 PLN	14	122.00 PLN
   Portugal	3	3.00 EUR	14	44.00 EUR
   Paraguay	3	3.00 USD	14	19.00 USD
   Qatar	3	12.00 QAR	14	75.00 QAR
   Romania	3	15.00 RON	14	146.00 RON
   Serbia	3	3.00 EUR	14	24.00 EUR
   Saudi Arabia	3	12.00 SAR	14	99.00 SAR
   Sweden	3	32.00 SEK	14	715.00 SEK
   Singapore	3	4.00 SGD	14	63.00 SGD
   Slovenia	3	3.00 EUR	14	44.00 EUR
   Slovakia	3	3.00 EUR	14	44.00 EUR
   Turkey	3	3.00 EUR	14	18.00 EUR
   Uruguay	3	3.00 USD	14	21.00 USD
   South Africa	3	61.00 ZAR	14	375.00 ZAR

   Plan Name: CredSyntex Silver

   Country	Trial Days	Trial Price	Recurring Interval - Days	Recurring Price
   Argentina	4	8699.99 ARS	14	21499.00 ARS
   Austria	4	6.99 EUR	14	67.00 EUR
   Australia	4	11.99 AUD	14	95.00 AUD
   Belgium	4	6.99 EUR	14	49.00 EUR
   Bulgaria	4	13.99 BGN	14	88.00 BGN
   Canada	4	10.99 CAD	14	85.00 CAD
   Switzerland	4	6.99 CHF	14	62.00 CHF
   Chile	4	7255.99 CLP	14	25730.00 CLP
   Colombia	4	32711.99 COP	14	115999.00 COP
   Czech Republic	4	174.99 CZK	14	759.00 CZK
   Germany	4	6.99 EUR	14	69.00 EUR
   Ecuador	4	7.99 USD	14	22.00 USD
   Estonia	4	6.99 EUR	14	55.00 EUR
   Spain	4	6.99 EUR	14	55.00 EUR
   Finland	4	6.99 EUR	14	67.00 EUR
   France	4	6.99 EUR	14	39.00 EUR
   United Kingdom	4	5.99 GBP	14	46.00 GBP
   Greece	4	6.99 EUR	14	45.00 EUR
   Hong Kong	4	59.99 HKD	14	389.00 HKD
   Croatia	4	6.99 EUR	14	45.00 EUR
   Hungary	4	2830.99 HUF	14	15899.00 HUF
   Indonesia	4	129133.99 IDR	14	457970.00 IDR
   Republic of Ireland	4	6.99 EUR	14	45.00 EUR
   Israel	4	27.99 ILS	14	179.00 ILS
   Iceland	4	6.99 EUR	14	45.00 EUR
   Italy	4	6.99 EUR	14	39.00 EUR
   Japan	4	1149.99 JPY	14	7375.00 JPY
   Korea	4	11080.99 KRW	14	39299.00 KRW
   Kazakhstan	4	7.99 USD	14	22.00 USD
   Liechtenstein	4	6.99 CHF	14	62.00 CHF
   Lithuania	4	6.99 EUR	14	55.00 EUR
   Luxembourg	4	6.99 EUR	14	67.00 EUR
   Latvia	4	6.99 EUR	14	55.00 EUR
   Morocco	4	7.99 USD	14	28.00 USD
   Monaco	4	6.99 EUR	14	67.00 EUR
   Moldova	4	7.99 USD	14	28.00 USD
   Malta	4	6.99 EUR	14	45.00 EUR
   Mexico	4	151.99 MXN	14	420.00 MXN
   Malaysia	4	33.99 MYR	14	215.00 MYR
   Netherlands	4	6.99 EUR	14	67.00 EUR
   Norway	4	80.99 NOK	14	775.00 NOK
   New Zealand	4	12.99 NZD	14	85.00 NZD
   Peru	4	7.99 USD	14	25.00 USD
   Philippines	4	433.99 PHP	14	1535.00 PHP
   Poland	4	29.99 PLN	14	125.00 PLN
   Portugal	4	6.99 EUR	14	45.00 EUR
   Paraguay	4	7.99 USD	14	20.00 USD
   Qatar	4	28.99 QAR	14	79.00 QAR
   Romania	4	35.99 RON	14	150.00 RON
   Serbia	4	6.99 EUR	14	25.00 EUR
   Saudi Arabia	4	29.99 SAR	14	103.00 SAR
   Sweden	4	75.99 SEK	14	725.00 SEK
   Singapore	4	9.99 SGD	14	65.00 SGD
   Slovenia	4	6.99 EUR	14	45.00 EUR
   Slovakia	4	6.99 EUR	14	45.00 EUR
   Turkey	4	6.99 EUR	14	19.00 EUR
   Uruguay	4	7.99 USD	14	22.00 USD
   South Africa	4	141.99 ZAR	14	395.00 ZAR

5. Invoicing

   Upon registering for a Membership to CredSyntex, the payment method you provided or updated later will be automatically charged for the fees mentioned above. The date of the payments depends on the plan you choose as mentioned above. There is no obligation to stay—you can cancel your membership at any time. All fees will be paid in advance of the services being provided. You agree that CredSyntex can charge your Payment Method without additional authorization.

   Once CredSyntex has received your order, the services purchased will be available to you, according to the applicable terms. A confirmation email of your order with the description of the billing will be sent to the email you stated upon signing up for the subscription. If you have any queries regarding the delivery of your order, contact us at [email protected]. SYNTEXA LIMITED reserves the right to issue digital or physical invoices and to work with a third-party factoring company if credit card payment is not made. All communication will be electronic or over the phone.

6. Trial Period

   By signing up for a membership through one of CredSyntex campaigns, you give permission to CredSyntex to deduct the trial period fee and then the complete recurring fee from the credit card you used upon continuing the service. When purchasing the trial subscription, you will not be charged for any undisclosed fees, just the amount mentioned in the campaigns. Your membership will be renewed automatically after the trial period and the date of the renewal depends on the plan you choose. You can choose if the payment of the aforementioned fee will be conducted in your local currency according to the “Pricing by country” list above or in the local currency of United Kingdom. You understand and accept that CredSyntex will not require any additional authorization from you for this recurrent payment. Every time you use the Membership, you confirm that CredSyntex has the right to charge your Payment Method and to apply the charges to the same.

7. Payment Methods

   All payments are made in your local currency through SSL encrypted connection with maximum safety. You can also proceed with the payment in the local currency of United Kingdom. You acknowledge and agree that any card and related billing and payment information that you provide are not stolen and will be shared with a third-party partner (payment processor and/or acquirer). The processing of payment by other Payment Providers shall be governed by such Payment Provider’s terms of service and CredSyntex is not responsible in any way for your relationship with any such Payment Providers or for the actions of any of these Payment Providers.

   Accepted Cards: Visa and MasterCard.

   In the event of failure on the collection of the Fees owed by you, you authorize CredSyntex to retry and collect at a later time and CredSyntex may in its sole discretion suspend or cancel your subscription without further notice. If a payment is not successfully settled due to expiration, insufficient funds or otherwise, and you do not cancel your subscription, you remain responsible for the uncollected amounts and CredSyntex may suspend your access to the services until the successful charge of a valid Payment Method.

   Billing Cycle: The Membership fee will be automatically deducted from your chosen Payment Method on the specific payment date mentioned in the reminder email. The duration of your billing cycle will vary depending on the subscription type you selected when signing up for the service. Your payment date may change if your payment method has not successfully settled or if you change your subscription plan. We have the sole discretion to provide a discount on a subscription payment plan without giving any prior notice.

   CredSyntex will notify you by a reminder email with the date and time of the expiration of the trial period, the invoice of your purchase and these terms of use, 7 days before your trial period expires, or immediately after the purchase, if the trial period is shorter than 7 days.

   You acknowledge that you are responsible to ensure that your email can receive the confirmation and reminder emails. CredSyntex is not responsible for any such failure and you are advised to provide an email service other than Hotmail and Gmail as those services may have issues regarding emails sent by CredSyntex. If you have not received the emails, you may contact the Customer Support Centre.

8. Cancellation of Membership, Refunds and General Invoicing Provisions

   If you are not happy with your purchase, you can immediately end your Membership with CredSyntex at any time by clicking (“Cancel Subscription”) and following the available instructions or by contacting the customer’s support centre through email/phone. Your account will remain active until the next billing cycle.

   CredSyntex offers a 100% refund if it is requested within 14 days of your purchase. No refunds will be given for Membership fees already paid. All Membership fees are non-refundable and will be shown on your Payment Method statement under the specified identifier. Exceptions can be made on a case-by-case basis at the discretion of the customer’s support team.

   CredSyntex reserves the right to change their Billing Provisions at any time by posting the new fees on its Service. If you decide to continue using the Site or purchase a Membership after receiving the notice, you agree to be bound by the changes. By signing up with CredSyntex and providing your Payment Method information, you are authorizing CredSyntex to provide the Merchandise and bill you for it.

9. Termination

   CredSyntex reserves the right to terminate your access to its services at any time without prior notice if you violate any clause of this Agreement. Your access may also be terminated on the same terms due to failure of fulfillment of payment obligations, usage of the service that may pose a risk to CredSyntex or other users, engagement in illegal activities, unethical actions that could harm CredSyntex or other users, suspected fraudulent account activity and participation in any other unacceptable behaviour described on the site and/or governing by the law. Upon termination, you acknowledge that CredSyntex shall not refund any previously paid fees and you are obliged to pay any remaining charges prior to your termination.

10. Loss of Data, Content and Capacity

    If your Membership is canceled or terminated, the user account, data in the normal course of operation and content will be deleted and cannot be recovered.

    The clauses of this Agreement relating to the protection and enforcement of CredSyntex intellectual property, disclaimer of warranties, indemnification, limitation and governing law will remain valid after the cancellation or termination.

11. General Membership Terms

    Membership to the CredSyntex website grants you access to various content, such as interactive content, text, audio, video, photographs, graphics, artwork and more (collectively referred to as “CredSyntex Content”). CredSyntex is solely responsible for the accuracy, completeness, appropriateness and usefulness of this content. CredSyntex does not guarantee that all content posted by and through the website is accurate, and does not take any responsibility to monitor or police such content. You agree to release CredSyntex from any liability in connection with any dispute between you and CredSyntex.

12. CredSyntex Content

    With the right technology, you can access, download, and interact with some or all of the content offered through CredSyntex. CredSyntex and third-party providers compile, distribute, and showcase this content. CredSyntex is not responsible for the accuracy, completeness, or appropriateness of content provided by third-party providers on the site. CredSyntex does not guarantee that the content and other information posted is up-to-date and suitable. CredSyntex has no responsibility or obligation to you in connection with any content. Be cautious when using the content, as it may be outdated, harmful, wrong, or deceptive. CredSyntex reserves the right to edit and/or delete any documents, information, or other content appearing on the site.

13. Social Media Pages

    The Site may contain links to CredSyntex's Social Media Pages. These Pages are hosted on third-party websites (“Social Media Websites”) and are subject to the applicable agreements and Terms of Use of those Social Media Websites. CredSyntex is not responsible for any claims or damages related to your use, or inability to use, the Social Media Pages and/or Social Media Websites.

14. User License

    As a user of the Site, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site Offerings. This license can be terminated by CredSyntex at any time and for any reason. Unless given express permission by CredSyntex, you may only use the Site Offerings for personal, non-commercial purposes.

    You agree and undertake not to:

    • reproduce, modify, download, adapt, rent, lease, sell, emulate, clone, decompile, disassemble, reverse engineer, or transfer any part of the Site Offerings.

    • create any derivative works by altering any aspect of the Site Offerings or use the Site Offerings in conjunction with any other third-party content. Commercial use of the Site Offerings is not permitted without express permission from CredSyntex.

    • upload, submit or display any content or use licensed content in a manner which may be deemed as malicious, unlawful, defamatory, hateful, libelous, obscene, harassing, threatening, provocative, abusive, racist, offensive, deceptive or fraudulent, encouraging criminal or harmful conduct, or which otherwise violates any law or infringes upon the rights of CredSyntex or any third party (including any intellectual property right, privacy rights, copyright, trademark, contractual or fiduciary rights), or otherwise shows any person, entity or brand in a disparaging light, without their prior explicit approval.

    • use any illegal action to collect data, passwords for other websites, third parties or services.

    • phish, upload or otherwise make available financial data used for collecting payments.

    • use any “robot” or other automatic device or algorithm to access, copy or monitor the CredSyntex services, including data and content, or reproduce the navigational structure of the services.

    • act in a way which might harm CredSyntex reputation and goodwill or expose CredSyntex or its users to any harm or liability of any kind; violate other users’ right to privacy or any other rights; collect personally identifiable information about users without their consent.

    • purchase search engine or other pay-per-click keywords or domain names that CredSyntex uses.

    • use any of the CredSyntex services in a form of spam, unsolicited, fraud, scam, pyramid scheme or otherwise engage in unethical marketing or advertising.

    • access CredSyntex services through any means of technology other than CredSyntex publicly supported interfaces or test the vulnerability of the CredSyntex services or network.

    • impersonate directly or indirectly any person or entity or provide CredSyntex with false information or otherwise engage in any form of manipulation to disguise your identity.

    • disable or otherwise avoid any measures used to restrict access to CredSyntex services.

    • sell, for any commercial purposes, access to CredSyntex services except as permitted.

    • access or use the services in order to build a competitive product.

    • remove or modify any copyright notices, restrictions and signs indicating proprietary rights.

    • take any unreasonable actions that interfere with the operation of CredSyntex services.

    • indemnify and hold harmless CredSyntex for any violations of this agreement.

15. Privacy Policy

    Certain parts of CredSyntex services require or involve the collection or use of personally identifying information such as data pertaining to users or activities or navigation undertaken by users through the CredSyntex services. Specifically, all materials that you submit through or in connection with the Site, such as Registration Data and Feedback, are subject to the Privacy Policy and you are encouraged to read the Privacy Statement and third-party services’ relevant policies for a description of use practices and data collection. To view the Privacy Policy, please click (“Privacy Statement”).

16. External Links

    The Site Offerings may link to other websites located on the Internet that are owned and operated by third parties. CredSyntex has no control over the information, products or services available from these external websites, so CredSyntex cannot accept responsibility or liability for their content, operations or data protection. Any deals or promotions made by advertisers on the Site, including payment and delivery of goods or services, are only between the user and the appropriate advertiser or third party. Additionally, CredSyntex will not be liable for any loss or damage caused by the use of, or reliance on, any material from external websites or through any such dealings or promotions. Use of any such linked website is at your own risk.

17. Indemnification

    You agree to indemnify and defend CredSyntex, its parents, subsidiaries, and their respective members, officers, directors, employees, agents, co-branders, content licensors, and other partners from any and all claims, expenses, damages, suits, costs, demands, including attorney’s fees, and/or judgments made by a third party as a result of your inappropriate use of the Site Offerings, including violation of copyright or privacy rights, breach of this Agreement, any dispute between you and CredSyntex, and/or violation of any rights of another individual or entity. These provisions are for the benefit of CredSyntex, its parents, subsidiaries, and affiliates, as well as their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers, and attorneys, who can each enforce these provisions directly against you.

18. Disclaimer of Warranties

    The offerings and/or any other products and/or services provided by CredSyntex through the website are offered on an “As Is”, “with all faults” and “As Available” basis without any guarantees or warranties of any kind, including any implied warranties or condition of merchantability, non-infringement of intellectual property, fitness for a particular purpose, uninterrupted use, timely delivery, secure operation, error-free performance, free of harmful components, accuracy, reliability, or any educational benefit, success, achievement, or any other warranty – all to the fullest extent permitted by law. Further, CredSyntex does not represent or warrant that the CredSyntex services (or any part, feature or content) are complete, accurate, of any certain quality, reliable or secure in any way, suitable for or compatible with any of your contemplated activities, devices, operating systems, browsers, software or tools (or that they will remain as such at any time), or comply with any laws applicable to you (including in any jurisdiction in which you operate), or that their operation will be free of any viruses, bugs or other harmful components or program limitation. CredSyntex is also not responsible for the availability of any underlying internet connection associated with the website offerings. CredSyntex shall not be held liable for any advice or information obtained from it or from the website offerings that does not explicitly state it is covered by a warranty in the Agreement. CredSyntex shall not be liable if you cannot access its services during periods of peak demand or due to system malfunctions for any reason.

19. Limitation of Liability

    You understand and agree that CredSyntex shall not be liable for any damages resulting from your use of the Site Offerings or any other services offered by them. This includes, but is not limited to, losses of profits, goodwill, data, use of the service, business interruption, inaccurate results, cost of recovering any data, cost of claims by third parties for damages to electronic devices and software or other intangible losses. CredSyntex will not be liable to you or any third party up to the fullest extent permitted by law. You and CredSyntex cannot bring any action more than one year after the event which caused the cause of action. The negation of damages is a fundamental element of the agreement between you and CredSyntex.

20. Proprietary Rights/Intellectual Property

    The content provided by CredSyntex service including graphics, text, design, images, artwork, audio, video, documents, digital conversion, copyrightable materials, methods, algorithm, data, inventions, trade secrets, logos, domains, trademark, tradename, title, software, services and other matters relating to them, are all subject to applicable intellectual property rights, copyrights and trademarks.

    Viewing any content does not grant you any ownership rights and posting any information or material through the site offering does not mean that any such rights have been waived. All rights of CredSyntex or its licensors that are not expressly granted in this Agreement are reserved to CredSyntex and its licensors.

21. Opt-Outs

    You are not able to opt out from transactional communication (billing and service messages) but you can opt out of receiving marketing and notification emails by clicking the “unsubscribe” link located at the bottom of the marketing messages or by contacting the Support Centre.

22. Dispute Resolution

    The Agreement shall be treated as if it were signed and carried out in United Kingdom and shall be governed by and interpreted in accordance with the laws of United Kingdom (without regard to conflict of law principles). If you have submitted a complaint to CredSyntex but you consider the answer to be unsatisfactory, you can submit a dispute for resolution via an arbitration Settlement Offer. The arbitration shall be conducted in United Kingdom by a single arbitrator. Unless specifically required by applicable law, each party will bear their own legal costs, regardless of who is deemed the winner in the arbitration. Even though CredSyntex may have the right to an award of lawyers’ fees and expenses if they are successful in arbitrating, they will not seek this from you unless the arbitrator finds that your claim was frivolous.

    Furthermore, to the extent allowed by law, you agree not to initiate, join or take part in any class action lawsuit related to any claim, dispute or controversy that you have against CredSyntex and/or its employees, officers, directors, members, representatives and/or assigns. You agree to the entry of an injunction to stop such a lawsuit or to remove you as a participant in the suit. You also agree to pay the legal fees and court costs incurred by CredSyntex in seeking such relief. This provision preventing you from initiating, joining or participating in class action lawsuits: (A) does not waive any of your rights or remedies to pursue a claim individually and not as a part of a class action in a binding arbitration as outlined above; and (B) is a separate agreement.

23. Notice for Claims of Copyright Violations

    If you believe that your copyrighted work has been infringed, you can submit a copyright infringement notification by providing CredSyntex with the following information in writing:

    • telephone number, address and email address;

    • signature of the copyright owner or an authorized representative acting on their behalf with a statement for the authorization;

    • description and details of the copyrighted work that you claim has been infringed and where it is located on the service;

    • statement affirming that you have a good faith belief that there is no authorization by the law or the owner or its agent for the usage of the work and that the above information is accurate.

24. Anti-Money Laundering Policy

    CredSyntex complies with the applicable anti-corruption, anti-bribery and anti-money laundering laws and you acknowledge to also comply with all applicable laws including local and federal laws, EU directives and legally binding regulations, UN Convention and any other applicable laws such as the EU’s AML Directives, the UK Bribery, Money Laundering, Terrorist Financing, Transfer of Funds Act and Canada’s Corruption of Foreign Public Officials Act.

    CredSyntex has the right to terminate you without prior notice if you fail to comply with any of the above.

25. Final Provisions

    This Agreement sets out the terms and conditions that apply to the use of the CredSyntex Site Offerings. Using the Site Offerings means you agree to be bound by this Agreement. If you don't agree to all of the terms of this Agreement, you cannot use the Site Offerings. This Agreement takes precedence over any inconsistent or conflicting provisions related to the Site Offerings. CredSyntex’s inability to enforce any part of this Agreement does not mean CredSyntex cannot enforce it in the future. This Agreement does not create any agency or partnership between the parties. Any part of this Agreement that is found to be invalid or unenforceable shall not affect the validity and enforceability of the remaining provisions of the Agreement and it will be interpreted according to applicable law. CredSyntex can assign its rights and obligations under this Agreement to any third party at any time without notice. The headings in this Agreement are for reference only and do not explain, limit, or define any section.

26. Force Majeure

    Neither party shall be liable for any breach or termination of this agreement due to a force majeure event; an unforeseen event beyond the reasonable control of the parties which, among others, includes acts of God, strikes, lockouts, pandemics, epidemics, war, floods and earthquakes. The affected party shall duly notify the other party and use best efforts to minimize the impact on its obligations. Both parties can terminate this agreement in writing without liability if the force majeure event continues for more than 30 days.

27. Feedback and Suggestions

    Any suggestions and feedback provided to CredSyntex are subject to CredSyntex’s intellectual property. You acknowledge that CredSyntex may use them for further development and improvement of the Site Offerings, to enhance CredSyntex’s data security and fraud prevention capabilities, and to comply with any applicable laws.

28. Contact/Support Centre

    If you have any queries concerning the Agreement, Site Offerings or the practices of CredSyntex, please do not hesitate to get in touch with us. To submit general inquiries, please e-mail us at: [email protected]; or send mail to: CredSyntex, 117 MAYFIELD ROAD DAGENHAM, RM8 1XJ, ENGLAND, United Kingdom. You can also call us at +44 20 4538 5118 from Monday to Friday between 08:00 - 23:00 GMT+2.

    CredSyntex is owned and operated by:

    SYNTEXA LIMITED

    117 MAYFIELD ROAD DAGENHAM

    RM8 1XJ ENGLAND

    United Kingdom

    Business Number: 16422147

    VAT:

    Terms of Use last updated: 2025-08-14