Terms of Service

1. Acceptance of Terms

By accessing and using Credit1Network ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our Service.

Credit1Network is a compliance-first business payment platform. Business-to-business escrow is provided through our licensed escrow partner, Escrow.com, which holds the escrowed funds. Credit1Network is not a licensed escrow agent, money transmitter, or registered money services business. These terms govern your use of our platform, including all transactions, disputes, and user interactions.

2. Eligibility

You must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Complete KYC (Know Your Customer) verification
• Provide accurate and truthful information
• Comply with all applicable laws and regulations
• Not be located in a restricted jurisdiction

3. Account Registration & KYC

All users must complete identity verification (KYC) to access full platform features. This includes:

• Government-issued ID verification
• Proof of address
• Selfie verification
• AML screening and risk assessment
• Enhanced Due Diligence for high-risk users or PEPs

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Services Provided

Credit1Network.com provides:

• Escrow Services: Arranged and held through our licensed escrow partner, Escrow.com
• B2B Marketplace: Platform for users to create and accept trade offers
• Dispute Resolution: Mediation services for transaction disputes
• Escrow Wallet: Escrowed funds are held by our licensed partner, Escrow.com, in a segregated escrow account pending transaction completion. Card and bank payments are processed by Stripe; Stripe does not provide escrow services, and Credit1Network does not hold customer funds in a Stripe escrow account.
• Transaction Facilitation: Processing of deposits, withdrawals, and transfers

5. Fees and Charges

Credit1Network.com charges transaction fees for services rendered. Current fee structure:

• Standard Transaction Fee: 2.9% + $0.30 per transaction
• Fees may vary based on transaction type, user tier, and category
• All fees are disclosed before transaction confirmation
• Fee structure may change with 30 days notice
• Withdrawal fees may apply based on payment method

6. Transactions and Escrow

When you accept a trade offer:

• Funds are immediately placed in escrow with our licensed partner, Escrow.com
• Buyer cannot withdraw funds while in escrow
• Seller must complete their obligation before escrow release
• Either party may open a dispute if issues arise
• Platform fees are deducted upon transaction completion
• Transactions may be held for AML review if flagged

7. AML/KYC Compliance

As a licensed MSP, we are required to comply with Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations. We reserve the right to:

• Request additional identification or documentation
• Suspend or freeze accounts under investigation
• Report suspicious activities to authorities
• Refuse service to high-risk users
• Implement transaction limits based on verification level
• Conduct ongoing monitoring of user activity

8. User Responsibilities

Users agree to:

• Use the platform only for lawful purposes
• Not engage in fraudulent or deceptive practices
• Provide accurate trade descriptions
• Respond promptly to dispute inquiries
• Honor accepted trade agreements
• Report suspicious activity or policy violations
• Maintain secure account access

9. Prohibited Activities

Users are strictly prohibited from:

• Money laundering or terrorist financing
• Fraud, scams, or deceptive practices
• Trading illegal goods or services
• Creating multiple accounts to circumvent limits
• Manipulating the reputation or feedback system
• Hacking, phishing, or unauthorized access attempts
• Violating sanctions or embargo restrictions

10. Dispute Resolution

In case of transaction disputes, users should first attempt to resolve issues directly. If unsuccessful, either party may open a formal dispute through the platform. See our Dispute Resolution Policy for full details.

Platform administrators will review evidence and make binding decisions. Decisions may result in fund release, refunds, or account restrictions.

11. Limitation of Liability

Credit1Network.com acts as a facilitator; escrow is provided by our licensed escrow partner, Escrow.com. We are not responsible for:

• Quality, legality, or delivery of goods/services traded
• Actions or inactions of users on the platform
• Financial losses due to market fluctuations
• Unauthorized account access due to user negligence
• Service interruptions or technical issues

Our liability is limited to the fees paid for the specific transaction in question.

12. Account Suspension & Termination

We reserve the right to suspend or terminate accounts that:

• Violate these Terms of Service
• Engage in fraudulent activities
• Fail KYC/AML verification
• Trigger high-risk AML alerts
• Receive multiple dispute rulings against them

Suspended accounts may have funds held pending investigation. Terminated accounts may forfeit funds in cases of fraud or illegal activity.

13. Privacy & Data Protection

Your use of the Service is also governed by our Privacy Policy, which complies with GDPR, CCPA, and other applicable data protection laws. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

When you provide personal data in connection with Credit1Network, Stripe receives that personal data and processes it in accordance with Stripe's Privacy Policy.

14. Payment Processing Services

Payment processing services for users on Credit1Network are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement").

By agreeing to these Terms of Service or continuing to operate as a user on Credit1Network, you agree to be bound by the Stripe Services Agreement, as the same may be modified by Stripe from time to time. As a condition of Credit1Network enabling payment processing services through Stripe, you agree to provide Credit1Network accurate and complete information about you and your business, and you authorize Credit1Network to share it and transaction information related to your use of the payment processing services provided by Stripe.

For users in Canada: Our payment processor can obtain information from credit agencies to verify your identity. That information will be used for the purposes described in their Privacy Policy.

15. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Users will be notified of material changes via email or platform notification. Continued use of the Service after changes constitutes acceptance of new terms.

16. Governing Law & Exclusive Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the Muscogee (Creek) Nation.

All disputes shall be governed by Muscogee (Creek) Nation law and heard exclusively in Muscogee (Creek) Nation courts.

SMS Terms

Program: Credit1Network Funding Updates. By opting in on credit1network.com/Loans you agree to receive text messages from Credit1Network about your funding request, such as request confirmations, call scheduling, document reminders and status updates. Message frequency varies. Message and data rates may apply. Reply STOP to cancel or HELP for help, or email support@credit1network.com. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy at credit1network.com/PrivacyPolicy.

Do-Not-Call Policy

Credit1Network keeps an internal do-not-call list. If you ask us not to call or text you, by saying stop on a call, replying STOP to a text, using the unsubscribe link in our emails or emailing support@credit1network.com, we stop right away and no later than 10 business days, and we keep your number on our do-not-call list for at least 5 years. Our staff and AI assistants are trained to honor these requests. We call only between 9am and 8pm your local time, Monday to Saturday, and never on Sundays or federal holidays.

17. Contact Information

For questions about these Terms of Service, please contact us at: