Terms of Service
1. Agreement
These Terms of Service (the “Terms”) are a binding agreement between you and Credivo LLC, a Delaware limited liability company (“Credivo,” “we,” “us,” or “our”), governing your access to and use of credivo.ai, our applications, and our related services (collectively, the “Service”). By creating an account, accessing, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
If you are accepting these Terms on behalf of an employer, hospital, health system, or other entity, you represent that you have authority to bind that entity, and “you” refers to that entity.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract. By using the Service you represent that you meet these requirements. The Service is intended for use by clinicians, credentialing professionals, and their administrative teams in the United States in a professional capacity.
3. Accounts
You must provide accurate information when you register and keep it current. You are responsible for safeguarding your credentials and for all activity under your account. Notify us promptly at [email protected] of any unauthorized use. You may not share your account with, or transfer it to, any other person.
4. The Service
The Service generates a personalized, sequenced credentialing checklist based on information you provide, including your profession, state, specialty, start date, and prescribing and billing status; assigns start-by dates by counting backward from your stated start date through mapped dependencies; sends deadline and renewal reminders; and stores credential details, contacts, and links to documents you maintain in connected third-party storage.
We may modify, suspend, or discontinue any part of the Service at any time. We will use commercially reasonable efforts to give advance notice of material adverse changes to paid features.
5. Fees; Sponsors
The Service is offered to clinicians at no charge. Credivo is funded through partnerships with hospitals, health systems, and relocation providers (“Sponsors”). A Sponsor’s funding of the Service does not make the Sponsor a party to these Terms, does not give the Sponsor any right to your information except as described in the Privacy Policy, and does not create any obligation from Credivo to you to maintain any feature at no charge. We reserve the right to introduce fees for some or all features on at least 30 days’ notice to you; you will never be charged without your express agreement to a paid plan.
6. Your Content
“Your Content” means all information, documents, links, credential details, contact records, and other materials you submit to or generate through the Service. As between you and Credivo, you retain all rights in Your Content.
You grant Credivo a non-exclusive, worldwide, royalty-free license to host, store, reproduce, transmit, display, and modify Your Content solely as necessary to operate, secure, and provide the Service to you and as described in our Privacy Policy. This license terminates when you delete Your Content or close your account, except for copies retained in routine backups and as required by law.
You represent that you have all rights necessary to submit Your Content and that Your Content does not violate any law or third-party right, including any obligation of confidentiality you owe to an employer, hospital, or medical staff office. This applies in particular to any hospital-provided credentialing checklist or similar materials you send us for timeline customization: you are responsible for confirming you may share them. We use such materials solely to build and customize your checklist, we treat them as confidential, and we will delete them on request from you or from the hospital that authored them.
You may not upload or transmit protected health information, patient records, or other individually identifiable health information of any patient through the Service. Credivo is not a HIPAA covered entity or business associate and has not entered into a business associate agreement with you.
7. Acceptable Use
You will not:
- use the Service for any unlawful purpose or in violation of any professional, licensing, or medical staff obligation;
- misrepresent your identity, licensure, credentials, or affiliation, or submit information you know to be false;
- access another user’s account or attempt to circumvent authentication, rate limits, or other technical controls;
- reverse engineer, decompile, scrape, or use automated means to access the Service except through interfaces we provide;
- copy, resell, sublicense, or make the Service available to any third party except as expressly permitted;
- introduce malware or interfere with the integrity or performance of the Service; or
- use the Service or any output to build, train, or improve a competing product or model.
We may investigate suspected violations and suspend or terminate accounts that violate these Terms.
8. Third-Party Services
The Service integrates with third-party services, including Google Drive, at your election. Your use of a third-party service is governed by that provider’s terms and privacy policy, not these Terms. We are not responsible for third-party services, and we do not warrant their availability, security, or accuracy. Disabling or losing access to a third-party service may impair Service functionality.
9. No Professional Advice; No Guarantee of Outcome
This Section is material to the bargain between you and Credivo.
The Service is an organizational and scheduling tool. It is not, and does not provide, legal advice, medical advice, regulatory or compliance advice, licensure guidance, or credentialing verification services. Credivo is not a credentials verification organization, is not accredited by the National Committee for Quality Assurance or The Joint Commission, and does not perform primary source verification.
Checklists, sequences, processing times, start-by dates, and reminders are estimates generated from publicly available standards and typical processing times. Requirements and timelines vary by state, board, payer, hospital, medical staff bylaws, and individual circumstance, and they change without notice. You are solely responsible for confirming every requirement and deadline with the applicable licensing board, payer, medical staff office, and employer, and for meeting them. Credivo does not guarantee that any application will be approved, that any credential will issue, that any timeline will be met, or that you will be credentialed by any date.
Outputs from artificial intelligence and assistant features, including the “Ask Credivo” assistant in any demonstration or live form, may be inaccurate, incomplete, or out of date. Do not rely on them without independent verification.
10. Intellectual Property
The Service, including its software, content, checklists, sequencing logic, designs, and trademarks, is owned by Credivo and its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your internal professional purposes. All rights not expressly granted are reserved.
11. Feedback
If you send us suggestions, ideas, or other feedback about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it for any purpose without obligation or compensation to you.
12. Term and Termination
These Terms remain in effect while you use the Service. You may close your account at any time through account settings or by contacting us. We may suspend or terminate your access at any time, with or without notice, if you violate these Terms, if required by law, or if we discontinue the Service.
On termination, your license to use the Service ends and we will delete or de-identify Your Content as described in the Privacy Policy. You are responsible for exporting Your Content before closing your account. Sections 6 (as to the surviving license), 9, 10, 11, 13, 14, 15, 16, 17, and 19 survive termination.
13. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CREDIVO DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. CREDIVO DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY CONTENT, ESTIMATE, OR OUTPUT WILL BE ACCURATE OR CURRENT. WITHOUT LIMITING THE FOREGOING, CREDIVO DOES NOT WARRANT, AND EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR, THE SENDING, TIMING, DELIVERY, OR RECEIPT OF ANY REMINDER, ALERT, OR NOTIFICATION, INCLUDING ANY FAILURE TO SEND, DELAY IN SENDING, OR NON-DELIVERY OF ANY OF THEM. REMINDERS ARE A CONVENIENCE, NOT A SUBSTITUTE FOR YOUR OWN TRACKING OF EVERY DEADLINE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.
14. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, CREDIVO AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST DATA, DELAYED OR DENIED CREDENTIALING OR PRIVILEGES, DELAYED START DATES, LOST COMPENSATION OR BILLING OPPORTUNITY, MISSED DEADLINES OR LAPSED CREDENTIALS RESULTING FROM ANY FAILURE OR DELAY OF ANY REMINDER OR NOTIFICATION, OR BUSINESS INTERRUPTION, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
CREDIVO’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID CREDIVO FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED DOLLARS ($100).
THESE LIMITATIONS APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CERTAIN DAMAGES, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.
15. Indemnification
You will indemnify, defend, and hold harmless Credivo and its members, managers, officers, employees, and agents from any third-party claim, demand, loss, liability, damage, cost, or expense, including reasonable attorneys’ fees, arising out of or relating to (a) Your Content, (b) your use of the Service, (c) your violation of these Terms or of any law, or (d) your violation of any third-party right, including any confidentiality obligation owed to an employer, hospital, or medical staff office. We will notify you of any such claim and may participate in the defense at our own expense. You may not settle any claim in a manner that imposes an obligation on Credivo without our prior written consent.
16. Dispute Resolution and Arbitration
Informal resolution. Before filing a claim, you agree to contact us at [email protected] and attempt in good faith to resolve the dispute for 60 days.
Agreement to arbitrate. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, or by the American Arbitration Association under its Consumer Arbitration Rules if you are an individual consumer. The arbitration will be conducted by videoconference or, if an in-person hearing is required, in the county where you reside or another location the parties agree on. The arbitrator will have exclusive authority to resolve all issues, except that a court will decide the enforceability of the class action waiver below. Judgment on the award may be entered in any court of competent jurisdiction.
Class action waiver. YOU AND CREDIVO AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY REPRESENTATIVE PROCEEDING. If this waiver is held unenforceable as to any claim, that claim will proceed in court and all other claims remain in arbitration.
Exceptions. Either party may bring an individual action in small claims court and may seek injunctive relief in court to protect intellectual property or confidential information.
Opt-out. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days after you first accept these Terms, stating your name, account email, and intent to opt out. Opting out does not affect any other provision of these Terms.
17. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
18. Changes to These Terms
We may revise these Terms. We will post the revised Terms with an updated “Last Updated” date and, for material changes, provide notice by email or through the Service at least 10 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance. If you do not agree, you must stop using the Service and may close your account.
19. General
Notices. We may send notices to the email associated with your account. Notices to Credivo must be sent to [email protected] with a copy to 8 The Green, Suite B, Dover, DE 19901.
Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
Force majeure. Neither party is liable for any failure or delay caused by events beyond its reasonable control.
Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will remain in effect.
No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
Relationship. No agency, partnership, joint venture, or employment relationship is created by these Terms.
Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Credivo regarding the Service and supersede all prior understandings.
20. Contact
Credivo LLC
8 The Green, Suite B
Dover, DE 19901
[email protected]