TERMS AND
CONDITIONS

Credilife® is a consumer-facing brand owned and operated by G8Way Corp, a registered corporation based in Minnesota. These Terms and Conditions govern your access to and use of services provided by Credilife® and ensure transparency and compliance with applicable laws and industry standards.

Agreement Between User and Credilife.com

Welcome to Credilife.com. The Credilife.com website (the “Site”) is comprised of various web pages operated by Credilife®. Credilife.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of Credilife.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy for your reference.

Credilife.com is a News and Information Site. The purpose of this site is to offer an explanation of our services, establish credibility, inform consumers, and generate new business.

Privacy

Your use of Credilife.com is subject to Credilife®’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting Credilife.com or sending emails to Credilife® constitutes electronic communications. You consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

Your Account

You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer. You agree to accept responsibility for all activities that occur under your account or password. You may not assign or transfer your account to anyone else. Credilife® is not responsible for third-party access to your account that results from theft or misappropriation. We reserve the right to refuse or cancel service, terminate accounts, or remove or edit content at our sole discretion.

Credilife® does not knowingly collect personal information from individuals under the age of 13. If you are under 18, you may use Credilife.com only with the permission of a parent or guardian.

Links to Third-Party Sites / Services

Credilife.com may contain links to external websites (“Linked Sites”). These Linked Sites are not under the control of Credilife®, and Credilife® is not responsible for their content, performance, or availability. We include such links for convenience only and do not imply endorsement or association.

Certain services made available via Credilife.com are delivered by third-party platforms. By using any product, service, or functionality originating from Credilife.com, you acknowledge and consent that Credilife® may share information with third parties under contractual obligation to fulfill services on our behalf.

Disclaimer: Credilife® does not own or control these third-party sites or tools. Use them at your own discretion and risk.

No Unlawful or Prohibited Use / Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use Credilife.com strictly in accordance with these Terms.

You agree not to use the Site for any unlawful or prohibited purpose. You may not damage, disable, or impair the Site, interfere with other users, or attempt to obtain unauthorized materials or information.

All content (text, graphics, logos, software, etc.) on the Site is the property of Credilife® or its licensors and is protected by copyright and other intellectual property laws.

You may not:

• Copy, modify, publish, display, transmit, or create derivative works from the content
• Reverse engineer or exploit the content in whole or part
• Use content for commercial resale

You do not acquire any ownership rights by using the Site.

Use of Communication Services

The Site may include message boards, chat areas, communities, calendars, or other forums (“Communication Services”). You agree to use these only for proper, lawful, and relevant communications.

Prohibited behaviors include:

• Harassment, defamation, or threats
• Uploading viruses or copyrighted material without permission
• False identity use or misrepresenting origin of material
• Collecting personal data without consent

Credilife® reserves the right to monitor, edit, or remove content at its discretion and to terminate access to Communication Services without notice.

Materials Provided to Credilife.com or Posted on Any Credilife® Page

Credilife® does not claim ownership of materials you provide to us or post on the Site (e.g., feedback, comments). However, by submitting any content, you grant Credilife® and its affiliates a license to use, copy, display, distribute, and publish that content in connection with its services.

You confirm you own or control the rights to any material you submit.

Third-Party Accounts

You may connect your Credilife® account to third-party accounts. By doing so, you authorize the sharing of information consistent with your settings on those platforms.

International Users

Credilife® operates from the USA. If you access the Site from outside the United States, you are responsible for compliance with local laws. You may not use Credilife.com in violation of U.S. laws or regulations.

Indemnification

You agree to indemnify and hold harmless Credilife®, its officers, directors, employees, agents, affiliates, and licensors from and against all claims, losses, liabilities, costs, and expenses (including attorney’s fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

Arbitration

Any disputes arising out of or relating to these Terms shall be resolved through binding arbitration in accordance with the Federal Arbitration Act. Arbitration shall be conducted by a single neutral arbitrator and administered by the American Arbitration Association. The decision of the arbitrator shall be final.

Each party waives any right to trial by jury or to participate in a class action.

Class Action Waiver

You agree that any arbitration or claim shall be on an individual basis only. No class actions, consolidated actions, or representative proceedings are permitted.

Liability Disclaimer

The information, software, products, and services available through Credilife.com may include inaccuracies or typographical errors. Changes are periodically added to the information.

Credilife® and/or its suppliers may make improvements and/or changes to the Site at any time.

To the maximum extent permitted by applicable law:

• All services and information are provided “AS IS” without warranty or condition of any kind
• Credilife® disclaims all implied warranties including merchantability, fitness for a particular purpose, title, and non-infringement
• Credilife® makes no guarantee of credit score improvement, debt resolution, or financial outcomes
• Credilife® is not liable for any damages including indirect, punitive, incidental, special, or consequential damages, loss of use, data, profits, or personal information—even if advised of the possibility of damages

If you are dissatisfied with any part of the Site or its terms, your sole and exclusive remedy is to stop using the Site.

Additional Disclaimers:

• Information provided by Credilife® is for educational purposes only and does not constitute legal, financial, or tax advice
• Individual results will vary; no guarantees are made regarding outcomes
• Use of third-party tools or services is at your own risk
• While we use reasonable safeguards, no system is 100% secure and we are not liable for unauthorized access or data loss
• Access may be interrupted due to maintenance or outages; no uptime guarantee is implied

Termination / Access Restriction

Credilife® reserves the right to terminate your access to the Site or related services without notice. This Agreement is governed by the laws of the State of Delaware. You consent to the exclusive jurisdiction of courts in Delaware in all disputes.

If any part of these Terms is found unenforceable, the rest shall remain in effect.

Entire Agreement

These Terms constitute the entire agreement between you and Credilife® regarding the Site. A printed version is admissible in legal or administrative proceedings to the same extent as other business documents.

Changes to Terms

Credilife® reserves the right to update or revise these Terms at any time. The most current version will always supersede prior versions. We encourage you to review these Terms regularly.

Contact Us

Credilife® (a service of G8Way Corp)
12751 County Road 5, Suite 188
Burnsville, MN 55337
📧 Email: [email protected]
📞 Phone: 612-444-3411

Effective as of: June 27th 2025