Terms of Service

credlo.io  ·  Effective Date: June 9, 2026

Last Updated: June 9, 2026

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and Credlo, LLC ("Credlo," "we," "our," or "us") governing your access to and use of the credlo.io website and the Credlo review automation platform (collectively, the "Service").

BY ACCESSING OR USING THE SERVICE, CREATING AN ACCOUNT, OR CLICKING "AGREE" OR A SIMILAR BUTTON, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

If you are using the Service on behalf of a business entity, you represent and warrant that you have authority to bind that entity to these Terms, and "you" refers to that entity.

1. Description of Service

Credlo provides a software-as-a-service ("SaaS") platform that automates the collection, management, and distribution of customer reviews for local service businesses. The Service includes, without limitation:

• Automated review request delivery via SMS and email to your customers
• Automated follow-up reminders for non-responding customers
• AI-generated responses to reviews posted on Google and Facebook
• A customer reactivation campaign delivered at onboarding
• Integration with third-party CRM and business management platforms
• A live reporting dashboard displaying review performance metrics
• A website review widget for embedding reviews on your website
• Automated conversion of reviews into branded social media posts

The specific features available to you depend on your subscription plan. Credlo reserves the right to modify, update, or discontinue features of the Service at any time with reasonable notice.

2. Account Registration and Eligibility

2.1 Eligibility

You must be at least 18 years of age and capable of forming a binding contract to use the Service. The Service is intended for business use by local service businesses and is not available to consumers for personal use.

2.2 Account Creation

To access the Service, you must create an account and provide accurate, current, and complete information as prompted. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at [email protected] if you suspect unauthorized access to your account.

2.3 One Account Per Business

Each subscription covers one business location. If you operate multiple locations, each location requires a separate subscription. Please contact us at [email protected] regarding multi-location pricing.

3. Fees, Payment, and Billing

3.1 Subscription Fee

The Service is offered on a month-to-month subscription basis at the rate of $247.00 USD per month per business location ("Subscription Fee"), plus a one-time setup fee of $349.00 USD ("Setup Fee") which covers onboarding and your initial reactivation campaign. Pricing is subject to change with thirty (30) days written notice.

3.2 Billing

By providing a valid payment method, you authorize Credlo to charge your payment method on a recurring monthly basis for the Subscription Fee. The first billing cycle begins on the date of account activation. Subsequent billing cycles occur on the same calendar date each month. All fees are in USD and are non-refundable except as expressly stated in these Terms.

3.3 Failed Payments

If a payment fails, we will notify you and attempt to collect payment using alternative payment methods on file. If payment is not received within ten (10) days of the due date, we reserve the right to suspend or terminate your access to the Service without further notice. Reactivation of a suspended account may require payment of all past-due amounts.

3.4 Taxes

You are responsible for all applicable taxes, levies, or duties imposed by taxing authorities in connection with your use of the Service. Credlo will collect taxes where required by law.

4. Cancellation and Termination

4.1 Cancellation by You

You may cancel your subscription at any time through your dashboard or by contacting us at [email protected]. Cancellation takes effect at the end of your current billing period. You will continue to have access to the Service until the end of that period. No partial-month refunds are provided.

4.2 Termination by Credlo

We reserve the right to suspend or terminate your account immediately and without liability to you if:

• You breach any provision of these Terms and fail to cure the breach within five (5) business days of notice
• We determine, in our sole discretion, that you are using the Service in a manner that violates applicable law, the terms of third-party platforms (including Google and Facebook), or that damages our reputation or the integrity of the Service
• You fail to pay fees when due
• We are required to do so by law or regulatory authority

4.3 Effect of Termination

Upon termination, your right to access and use the Service immediately ceases. Credlo will retain your data for ninety (90) days following termination, after which it will be permanently deleted. You may request an export of your data within that ninety-day window by contacting [email protected]. The Setup Fee and any paid Subscription Fees are non-refundable upon termination.

5. Your Responsibilities and Acceptable Use

5.1 Your Customer Data

You are solely responsible for the accuracy and legality of the customer contact data you provide to Credlo. By uploading customer data to the Service, you represent and warrant that:

• You have obtained all necessary consents from your customers to send them SMS and email communications through the Service
• Your customer data does not violate any applicable privacy laws, including the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, GDPR, or CCPA
• You have a legitimate business relationship with each customer whose data you upload

You indemnify and hold Credlo harmless from any claims, damages, or liabilities arising from your failure to comply with this section.

5.2 Compliance with Platform Policies

You agree to use the Service in compliance with the terms of service and community guidelines of Google, Facebook, and any other third-party platforms to which Credlo connects. Credlo does not guarantee any specific ranking outcomes on Google, Google Maps, Facebook, or any other platform. Results vary by business type, location, review volume, and platform algorithm changes outside our control.

5.3 Prohibited Uses

You agree not to use the Service to:

• Send review requests to individuals who have not done business with you
• Offer, promise, or imply any incentive in exchange for a review, in violation of Google, Facebook, or FTC guidelines
• Solicit, manufacture, or post fake or fraudulent reviews
• Selectively request reviews only from customers you expect to leave positive feedback ("review gating"), which violates Google's review policies
• Violate any applicable federal, state, or local law or regulation, including telemarketing and anti-spam laws
• Attempt to circumvent any security, access control, or rate-limiting feature of the Service
• Reverse engineer, decompile, or attempt to extract the source code of the Service
• Resell, sublicense, or white-label the Service without our prior written consent

6. Intellectual Property

6.1 Credlo's IP

The Service, including its software, design, functionality, trademarks, logos, and all content created by Credlo, is owned by or licensed to Credlo and is protected by intellectual property laws. Nothing in these Terms grants you any ownership interest in the Service. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes during your active subscription.

6.2 Your Content

You retain all ownership rights in the content, data, and materials you upload to the Service ("Your Content"), including customer contact data, business photos, and business profile information. By uploading Your Content, you grant Credlo a limited, non-exclusive, worldwide, royalty-free license to use, reproduce, and process Your Content solely to the extent necessary to provide the Service. Credlo does not claim ownership of Your Content and will not use it for any purpose beyond operating the Service.

6.3 Feedback

If you submit suggestions, ideas, or feedback about the Service, you grant Credlo the right to use that feedback without restriction or compensation to you.

7. Third-Party Services and Integrations

The Service integrates with third-party platforms including Google, Facebook, Jobber, Housecall Pro, ServiceTitan, QuickBooks Online, Square, and Zapier. These integrations are provided for your convenience and are subject to the terms and policies of the respective third parties. Credlo is not responsible for the availability, accuracy, or performance of third-party platforms, nor for any changes to their APIs or policies that affect the functionality of the Service. We will make commercially reasonable efforts to maintain integrations but cannot guarantee their continuity.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

CREDLO DOES NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• ANY SPECIFIC NUMBER OF REVIEWS WILL BE GENERATED
• YOUR BUSINESS WILL ACHIEVE ANY PARTICULAR RANKING ON GOOGLE, GOOGLE MAPS, OR ANY OTHER PLATFORM
• THE SERVICE WILL MEET YOUR SPECIFIC BUSINESS REQUIREMENTS

Results described in our marketing materials (such as "4x more reviews on average" and "first review within 48 hours") are based on average client outcomes and are not guarantees of the results you will experience. Individual results will vary.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CREDLO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL CREDLO'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO CREDLO IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) $500.00 USD.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

10. Indemnification

You agree to defend, indemnify, and hold harmless Credlo and its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service in violation of these Terms
• Your violation of any applicable law, including TCPA, CAN-SPAM, GDPR, or CCPA
• Your customer data, including any claims that your use of customer data infringes or violates any third-party rights
• Any content or communications sent through the Service on your behalf
• Your violation of any third-party platform's terms of service

11. Dispute Resolution

11.1 Informal Resolution

Before initiating any formal proceeding, you agree to contact us at [email protected] and attempt to resolve the dispute informally. We will try to resolve your concern within thirty (30) days.

11.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. Arbitration shall take place in the United States, and the arbitrator's award shall be final and binding. You and Credlo each waive the right to a jury trial and to participate in a class action, class arbitration, or representative proceeding.

11.3 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration, and disputes relating to intellectual property rights may be brought in court.

11.4 Governing Law

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

12. General Provisions

12.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Credlo regarding the Service and supersede all prior and contemporaneous agreements, representations, and understandings.

12.2 Modifications

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and, where appropriate, by sending you an email notification at least fourteen (14) days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

12.3 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

12.4 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. A waiver of any provision in one instance does not constitute a continuing waiver.

12.5 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. Credlo may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

12.6 Force Majeure

Credlo shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, natural disasters, war, terrorism, pandemics, government actions, internet outages, or failures of third-party services.

12.7 Notices

Notices to you may be sent via email to the address associated with your account or by posting to the Service. Notices to Credlo must be sent to [email protected].

13. Contact Information

If you have any questions about these Terms of Service, please contact us:

Credlo, LLC
Website: credlo.io
General support: [email protected]
Legal inquiries: [email protected]