These Terms of Use explain the conditions under which authorized Client Institutions and Authorized Users may access and use the AI Credit Analyst platform.
These Terms of Use govern access to and use of the AI Credit Analyst website, portal, forms, workflows, AI-assisted analysis, report-generation services, and related platform features. By accessing or using the platform, the Client Institution and each Authorized User agree to these Terms and any applicable service agreement, order form, pricing arrangement, data processing terms, privacy policy, AI Governance Policy, Disclaimer, and related written agreement.
If these Terms conflict with a signed subscription or service agreement, the signed agreement will control to the extent of the conflict.
The platform is intended only for approved institutional users, including credit unions, banks, lending institutions, mortgage providers, and other organizations approved by us. The platform is not intended for public consumer use or unauthorized access.
Each Client Institution is responsible for determining which officers, employees, agents, or representatives may access the platform and for ensuring that each Authorized User complies with these Terms, institutional policies, borrower confidentiality obligations, and applicable law.
AI Credit Analyst provides AI-assisted credit analysis, structured credit reasoning, credit-risk identification, affordability analysis, and report-generation support. The platform is a decision-support tool. It is not a lender, credit bureau, debt collection agency, legal adviser, financial regulator, or final credit decision-maker.
The platform does not approve, decline, or automatically decide credit applications. Final decisions remain with the Client Institution and its officers, supervisors, credit committees, boards, or other authorized decision-makers.
The Client Institution is responsible for:
Authorized Users must keep login credentials confidential, use multi-factor authentication where required, avoid sharing accounts, access the platform only through approved devices and networks where reasonably practicable, and immediately report suspected unauthorized access or compromise.
Each account is assigned to the individual Authorized User for whom it was created. An Authorized User must not:
The Client Institution must notify us promptly when access should be suspended temporarily or removed permanently.
We may suspend, restrict, or deactivate access where:
Temporary suspension does not automatically delete the Authorized User’s account or historical records. Access may be restored only after appropriate authorization and verification.
Permanent removal of access does not automatically require immediate deletion of the account, application records, generated reports, usage records, logs, or related historical information. Such information may continue to be retained in accordance with the applicable service agreement, Privacy Policy, AI Governance Policy, retention schedule, legal obligations, audit requirements, security needs, billing requirements, and dispute-resolution purposes.
Subject to these Terms and the applicable agreement, Authorized Users may use the platform to submit borrower/application information, upload permitted credit bureau reports where applicable, generate AI-assisted credit analysis reports, review risk indicators, support credit committee review, and maintain internal credit documentation.
The Client Institution and Authorized Users must not:
The Client Institution acknowledges that use of the platform may involve the routing, processing, storage, analysis, and delivery of information through third-party technology service providers and subprocessors. These may include categories of providers such as workflow automation providers, database and cloud storage providers, artificial intelligence processing providers, report and document generation providers, email delivery providers, website hosting providers, website security providers, analytics providers, monitoring providers, and similar vendors used to operate, secure, maintain, or support the platform.
The Client Institution authorizes us to use such service providers to provide the platform, subject to appropriate confidentiality, security, data protection, access control, and retention measures. The Client Institution remains responsible for ensuring it is legally permitted to submit borrower/application information and uploaded credit reports through the platform workflow.
The Client Institution remains responsible for its own legal, regulatory, AML/CFT, credit-file, audit, internal governance, and institutional record-retention obligations.
Platform retention periods, deletion rules, backups, workflow records, generated reports, account records, usage records, and related information are governed by the Privacy Policy, the applicable service agreement, the AI Governance Policy, the applicable retention schedule, platform configuration, and applicable legal or contractual requirements.
Suspension or removal of an Authorized User, closure of a branch, expiry or non-renewal of a service arrangement, or termination of a Client Institution’s use of the platform does not necessarily result in immediate deletion of all related information.
Historical information may continue to be retained for the applicable retention period where reasonably necessary for:
Deletion from an active platform system may not result in immediate deletion from backup systems, system logs, email records, or third-party service-provider systems. Such copies may remain until removed through the applicable retention, deletion, or backup cycle.
The detailed retention periods and information-handling practices are stated in the Privacy Policy and the applicable service agreement.
Where the platform delivers generated reports, notifications, links, or related communications by email, the Client Institution is responsible for ensuring that the receiving email addresses, mailboxes, mail servers, devices, forwarding rules, access permissions, and internal email-handling procedures are secure and limited to Authorized Users.
The Client Institution acknowledges that email transmission and mailbox access may involve security risks outside our control once a communication is delivered to, received by, or made available through the Client Institution’s email systems or designated recipient accounts. We are not responsible for unauthorized access, disclosure, forwarding, interception, misdirection, or internal misuse arising from the Client Institution’s receiving systems, user accounts, devices, email configuration, access controls, or internal handling after delivery.
AI-assisted outputs may include summaries, observations, risk flags, recommendations, affordability calculations, explanations, and credit memo language. These outputs are generated from submitted data, uploaded documents, platform instructions, analytical logic, and third-party AI processing. Outputs may contain errors, omissions, or interpretations requiring professional review.
The Client Institution must independently review, verify, and approve any report before use. We do not guarantee that any output is complete, error-free, suitable for every borrower, aligned with every internal lending policy, or sufficient for regulatory or audit purposes without institutional review.
The platform provides credit analysis support and report-generation assistance. It does not provide legal advice, regulatory advice, accounting advice, actuarial advice, investment advice, or final lending determinations. Client Institutions are responsible for obtaining appropriate professional advice where needed.
Borrower/application information, uploaded credit reports, generated reports, platform workflows, proprietary credit assessment logic, prompts, templates, scoring frameworks, and system documentation are confidential. The Client Institution and Authorized Users must protect such information and use it only for authorized institutional purposes.
We and our licensors retain all rights, title, and interest in the platform, software, workflows, report templates, prompts, credit analysis logic, user interface, documentation, trade names, designs, and related intellectual property. Except for the limited right to use the platform under the applicable agreement, no rights are transferred to the Client Institution or Authorized Users.
The Client Institution retains responsibility for information it submits. Generated reports may be used internally by the Client Institution for authorized credit review purposes, subject to the applicable agreement and these Terms.
We may monitor, log, and review platform access and activity for security, audit, troubleshooting, support, compliance, usage, abuse prevention, and governance purposes. This may include login records, timestamps, IP addresses, submission records, workflow events, report-generation events, and delivery logs.
We may modify, update, suspend, or discontinue parts of the platform from time to time. We will use commercially reasonable efforts to provide notice of material changes where appropriate. The platform may be unavailable due to maintenance, third-party service interruptions, network failures, cybersecurity events, force majeure, or other circumstances beyond our control.
The Client Institution shall pay all fees specified in the applicable signed service agreement, order form, invoice, or other written billing arrangement with us.
We may, in our discretion, offer a beta testing period, free trial, demonstration access, limited evaluation access, or other free-of-charge access arrangement. Any such access is limited to the period, report limit, purpose, users, and conditions approved by us in writing. Free access does not waive, reduce, or suspend the Client Institution’s or any Authorized User’s obligations under these Terms, the Privacy Policy, the AI Governance Policy, the Disclaimer, or any applicable service agreement, including obligations relating to borrower consent and lawful authority, confidentiality, data protection, authorized use, human review, security, user conduct, and compliance with applicable law.
Unless otherwise stated in the applicable signed service agreement, order form, invoice, or other written billing arrangement, fees under the standard commercial arrangement are billed on a per-report basis and invoiced monthly in arrears based on Generated Reports created by the Client Institution and its Authorized Users during the relevant calendar month.
A minimum monthly institutional invoice, onboarding fee, setup fee, platform access fee, support fee, training fee, or other fee may apply only where stated in the applicable signed service agreement, order form, invoice, or other written billing arrangement.
Except as otherwise stated in the applicable signed service agreement, order form, invoice, or written billing arrangement, payment obligations are non-cancellable, fees paid are non-refundable, and fees are exclusive of any applicable taxes, duties, levies, value-added tax, bank charges, transfer fees, withholding, payment processing fees, or other payment-related charges, which shall be the responsibility of the Client Institution where applicable.
If any undisputed fees remain unpaid for more than thirty (30) days after the invoice due date, we may suspend or restrict platform access, report generation, report delivery, support services, or other platform features until the outstanding amounts are paid in full.
We may suspend, restrict, or terminate access if the Client Institution or any Authorized User:
We may temporarily suspend or permanently remove access for an individual Authorized User, a branch or location, or the entire Client Institution, depending on the circumstances.
Upon suspension or termination, the affected Authorized User must immediately stop using the platform and must not attempt to access the platform through another user’s credentials, another branch account, or any other means.
Before completing institutional offboarding, we may review and address:
Suspension or termination does not automatically require immediate deletion of account records, application information, uploaded documents, generated reports, workflow records, usage records, billing records, support records, audit logs, or backups. Such information may continue to be retained in accordance with the applicable service agreement, Privacy Policy, AI Governance Policy, retention schedule, legal obligations, audit requirements, security needs, backup cycles, and dispute-resolution purposes.
Termination does not relieve the Client Institution or any Authorized User of confidentiality, payment, data-handling, recordkeeping, audit, intellectual-property, indemnity, dispute-resolution, or other obligations intended to survive suspension or termination.
Except as expressly stated in a signed agreement, the platform and outputs are provided on an “as is” and “as available” basis. We disclaim warranties to the fullest extent permitted by law, including implied warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, or error-free operation.
To the maximum extent permitted by applicable law, and except as expressly stated in a signed agreement, we, our affiliates, licensors, employees, contractors, and third-party technology service providers shall not be liable to the Client Institution, any Authorized User, or any third party for any indirect, incidental, special, exemplary, punitive, or consequential loss or damage, including loss of profits, loss of revenue, loss of goodwill, business interruption, system downtime, data loss, loss of opportunity, or losses arising from non-performing loans, credit defaults, bad debts, impaired facilities, declined applications, approved applications, lending outcomes, portfolio performance, or institutional credit decisions.
To the maximum extent permitted by applicable law, our total aggregate liability for claims arising out of or relating to these Terms, the platform, or any generated report shall not exceed the total fees actually paid by the Client Institution to us for the affected platform services during the three (3) months immediately preceding the event giving rise to the claim, unless a different liability cap is stated in a signed agreement.
Nothing in these Terms excludes or limits liability to the extent that such liability cannot lawfully be excluded or limited under applicable law.
The Client Institution agrees to defend, indemnify, and hold harmless us, our affiliates, licensors, contractors, and third-party service providers from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or fees, including reasonable legal fees, arising out of or relating to:
• the Client Institution’s or any Authorized User’s breach of these Terms or any applicable agreement;
• the submission of borrower/application information, uploaded credit bureau reports, supporting documents, or related credit information without required borrower consent, notice, lawful authority, authorization, institutional approval, or regulatory permission;
• inaccurate, incomplete, outdated, misleading, excessive, unlawful, or improperly obtained information submitted through the platform;
• any breach of confidentiality, borrower communication obligation, credit bureau term, data-provider restriction, third-party right, institutional policy, or applicable law by the Client Institution or any Authorized User;
• any borrower, applicant, credit bureau, data provider, regulator, auditor, or other third-party claim arising from the Client Institution’s use of the platform, use of generated reports, final lending decision, borrower communication, credit-file handling, or internal credit process;
• any use of platform outputs without appropriate human review, verification, professional judgment, credit policy application, or authorized institutional approval.
Use of the platform is also subject to our Privacy Policy, AI Governance Policy, Disclaimer, and any applicable subscription agreement, service agreement, order form, or other written agreement with the Client Institution. These documents explain, among other things, how information is processed, stored, routed through service providers, used for AI-assisted analysis, retained, secured, governed, and limited in use.
These Terms, their interpretation, and any contractual or non-contractual dispute, claim, or obligation arising out of or relating to the platform shall be governed by and construed in accordance with the laws of the Republic of Trinidad and Tobago, unless otherwise stated in a signed agreement.
The parties shall first attempt in good faith to resolve any dispute through discussion between authorized representatives. If the dispute is not resolved within thirty (30) days after written notice of the dispute, the dispute shall be resolved in the forum and manner stated in the applicable signed agreement.
Where no signed agreement specifies a dispute-resolution forum, the parties agree that the courts of the Republic of Trinidad and Tobago shall have jurisdiction, unless the parties mutually agree in writing to refer the dispute to mediation or arbitration.
CreditVantage AI
Trinidad and Tobago
Email: [email protected]
Website: https://creditvantageai.com
AI-powered credit assessment support for consumer lending institutions.
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