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Terms and Conditions


These terms apply to this website and to transactions related to our products and services. You may be bound by additional agreements related to your relationship with us or any products or services you receive from us. If any provisions of the additional agreements conflict with any provisions of these terms, the provisions of those additional agreements will govern and prevail.


By registering, accessing or otherwise using this website, you hereby agree to be bound by these terms as set out below. The mere use of this website constitutes acknowledgement and acceptance of these terms. In certain special cases, we may also ask you to give your express consent.

Electronic communication

By using this website or communicating with us by electronic means, you consent and acknowledge that we may communicate with you electronically on our website or by sending an email to you, and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement, including but not limited to the requirement that such communications be in writing.

Intellectual property

We or our licensors own and control all copyright and other intellectual property rights in the website and the data, information and other resources displayed or available on the website.

All rights reserved

Unless otherwise stated in specific content, you are not granted a license or any other right under copyright, trademark, patent or other intellectual property rights. This means that you will not use, copy, reproduce, perform, display, distribute, integrate into any electronic medium, modify, decompile, transmit, download, broadcast, monetize, sell, market or commercialize any resources on this website in any form without our written permission, except only to the extent otherwise provided in mandatory law regulations (such as the right to quote).


Despite the foregoing, you may forward our newsletter in electronic form to others who may be interested in visiting our website.

Third-party property

Our website may include hyperlinks or other references to other parties’ websites. We do not monitor or review the content of other parties’ websites linked to from this website. Products or services offered by other websites shall be subject to applicable terms and conditions from those third parties. Opinions expressed or material appearing on those websites are not necessarily shared or endorsed by us.

We will not be responsible for any privacy practices or content on those websites. You assume all risks associated with the use of those websites and any related third-party services. We will not accept any liability for any loss or damage in any way whatsoever caused by you disclosing personal information to third parties.

Responsible use

By visiting our website, you agree to use it only for intended purposes and in accordance with these terms, any additional agreements with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You shall not use our website or services to use, publish or distribute any material that consists of (or is linked to) harmful computer software, use data collected from our website for any direct marketing activities, or perform any systematic or automated data collection activities on or in connection with our website.

Engaging in any activity that causes or may cause damage to the website or that interferes with the performance, availability or access to the website is strictly prohibited.

Idea submissions

Do not submit any ideas, inventions, copyrighted works or other information that may be considered your own intellectual property that you wish to present to us unless we have first signed an intellectual property or a confidentiality agreement. If you disclose it to us without such a written agreement, you grant us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future medium.

Termination of use

We may, at our own discretion, change or terminate access to the website or any services on it, temporarily or permanently, at any time. You agree that we will not be liable to you or any third party for any such modification, suspension or interruption of your access to or use of the website or any content that you may have shared on the website. You will not be entitled to any compensation or other payment, even if some features, settings and/or any content that you have contributed to or come to rely on are permanently lost. You may not circumvent or attempt to circumvent any access restrictions on our website.

Warranties and Liability

Nothing in this section shall limit or exclude any warranty implied by law and which would be unlawful to limit or exclude. This website and all content on the website is provided “as is” and “as available” and may contain inaccuracies or typographical errors. We expressly disclaim all warranties of any kind, whether express or implied, with respect to the availability, accuracy, or completeness of the content. We make no warranty that:

  • this website or our content will meet your requirements;
  • this website will be available on an uninterrupted, timely, secure, or error-free basis.

The following provisions of this section shall apply to the maximum extent permitted by applicable law and shall not limit or exclude our liability with respect to any matter which it would be unlawful or illegal for us to limit or exclude our liability. In no event shall we be liable for any direct or indirect damages (including any damages for loss of profit or revenue, loss or corruption of data, software, or database, or loss or damage to property or data) incurred by you or any third party, arising from your access to or use of our website.

Except to the extent that further agreement expressly provides otherwise, our maximum liability to you for any damages arising out of or in connection with the website or any products and services marketed or sold through the website, regardless of the legal action imposing liability (whether in contract, equity, negligence, intentional act, tort, or otherwise), shall be limited to the total price paid by you to us for such products or services or use of the website. Such limitation shall apply cumulatively to all your claims, actions, and the like.


To access our website and/or services, you may be asked to provide certain information about yourself as part of the registration process. You agree that any information you provide will always be accurate, true, and up to date.

We have developed a policy to address any privacy concerns you may have. For more information, please see our Privacy Policy and our Cookie Policy.

Export restrictions / Legal compliance

Access to the website from areas or countries where the content or purchase of products or services sold on the website is illegal is prohibited. You may not use this website in violation of Sweden’s export laws and regulations.

Affiliate marketing

Through this website, we may engage in affiliate marketing where we receive a percentage or commission on the sale of services or products on or through this website. We may also accept sponsorship or other forms of advertising compensation from companies. This information is intended to comply with marketing and advertising laws that may apply, such as the rules from the United States Federal Trade Commission.


You may not assign, transfer or fail to perform any of your rights and/or obligations under these Terms and Conditions, in whole or in part, to any third party without our prior written consent. Any alleged assignment in violation of this section will be null and void.

Breach of these Terms and Conditions

In addition to our other rights under these terms and conditions, if you breach these terms and conditions in any way, we may take such actions as we deem appropriate to address the breach, including temporarily or permanently suspending your access to the website, contacting your internet service provider to request that they block your access to the website, and/or initiating legal proceedings against you.

Force majeure

Except for obligations to pay money hereunder, no delay, failure or omission by either party to perform or observe any of its obligations hereunder shall be deemed a breach of these Terms and Conditions if and for as long as such delay, failure or omission arises from any cause beyond the reasonable control of such party.


You agree to indemnify and hold us harmless from and against any claims, liabilities, damages, losses, and expenses related to your breach of these Terms and Conditions and applicable laws, including intellectual property rights and privacy rights. You shall promptly reimburse us for any damages, losses, costs, and expenses related to or arising from such claims.


The failure to enforce any of the provisions of these Terms and Conditions and any agreement or the failure to exercise any right to terminate shall not be construed as a waiver of such provisions and shall not affect the validity of these Terms and Conditions or any agreement or any part thereof, or the right thereafter to enforce each and every provision.


These Terms and Conditions will be interpreted and construed exclusively in English, Spanish; Castilian and Swedish. All communication and correspondence will be written exclusively in that language.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Creddio regarding your use of this website.

Updating these Terms and Conditions

We may update these Terms and Conditions from time to time. It is your responsibility to regularly check these Terms and Conditions for changes or updates. The date stated at the beginning of these Terms and Conditions is the most recent revision date. Changes to these Terms and Conditions become effective when such changes are posted on this website. Your continued use of this website after the posting of changes or updates will constitute notice of your acceptance to comply with and be bound by these Terms and Conditions.

Choice of Law and Jurisdiction

These terms and conditions shall be governed by the laws of Sweden. Disputes relating to these terms and conditions shall be subject to the courts of Sweden. If any part or provision of these terms and conditions is deemed invalid and/or unenforceable under applicable law, such part or provision shall be modified, deleted and/or enforced to the maximum extent permitted to give effect to the purpose of these terms and conditions. The remaining provisions shall not be affected.