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Terms of Use

Acceptance of Terms

Welcome to BadCredify. By accessing our website and using our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use. If you do not agree with any of these terms, you should refrain from using our website and services.

Under the terms of use, there are the following definitions:

  • User (You/Your): Anyone using BadCredify’s website or services.
  • BadCredify (We/Us): Refers to our company and partners.
  • Loan: Various products and services you inquire about by using the BadCredify website.
  • Provider: Banks, online lenders, and other financial institutions whose services are offered through the BadCredify website. 

Modifications to Terms

We reserve the right to modify these Terms of Use at any time. Your continued use of the website after such modifications will constitute acknowledgment and agreement of the modified terms.

Privacy Policy

On our privacy policy page, you can find explanations of how we use, share, and protect your personal information when you use our website.

User Eligibility

The BadCredify website is not directed to children under the age of 13. All the services and offers provided via the website are intended for individuals who are 18 years or older. By using our services, you represent that you meet this age requirement. 

User Responsibilities

You agree to use our website and services for lawful purposes only. Any misuse or unauthorized use of our website may lead to termination of your access. Users are also responsible for reading all the terms and conditions, including those related to promotions. It’s a user’s responsibility to provide accurate personal information and keep it up to date.

Intellectual Property Rights

All content on BadCredify’s website, including text, graphics, and logos, is our property or licensed to us and protected under copyright laws. No replication, modification, or distribution is permitted without our express written consent.

User Content

You may submit content such as comments or reviews. By doing so, you grant BadCredify a non-exclusive, royalty-free license to use, reproduce, and distribute such content.

The following criteria must be fulfilled by authors and their content:

  • You are the only creator and proprietor of the related intellectual property rights;
  • You have voluntarily relinquished any “moral rights” you may have with respect to such content;
  • The information you publish is accurate;
  • You guarantee that the use of the content you submit does not violate this agreement or harm any person or entity;
  • You are at least 13 years old.

Third-Party Links and Services

Our website may include links to external websites and services. BadCredify is not responsible for the content or practices of these third-party sites. When we provide a link to a website, it does not mean that we support the website, its sponsors, or the services it offers. The third parties in charge of maintaining any such third-party websites may impose additional terms and conditions on you when you use them.

Disclaimers and Liability

BadCredify is not a lender or creditor. We provide services “as is” without any warranties. We do not guarantee the accuracy or completeness of information on our website. We are not liable for any indirect, incidental, special, consequential or punitive damages arising out of your access to or use of our website or services. The inclusion of offerings on our website does not constitute any recommendation of such products and services.


You agree to indemnify and hold harmless BadCredify and its affiliates, officers, agents, and employees from any claim or demand made by any third party due to or arising out of your breach of these Terms of Use.

Dispute Resolution

Any disputes related to these Terms of Use or your use of the website will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. 

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of California without giving effect to any principles of conflicts of law.


If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. 

Entire Agreement

These Terms of Use, together with any other legal notices published by BadCredify on the website, shall constitute the entire agreement between you and BadCredify concerning the website and services.

Contact Information

If you have any questions about these Terms of Use or our company, please contact us at contact@badcredify.com