1. Introduction Welcome to CreditZar.com. These Terms of Service govern your use of our website and services. By accessing or using CreditZar.com, you agree to comply with these terms.

2. SMS Compliance CreditZar.com is committed to SMS compliance and adheres to all applicable laws and regulations regarding text messaging. By providing your mobile phone number, you consent to receive SMS communications from CreditZar.com regarding your account, services, promotions, and updates. Message frequency may vary.

3. User Responsibilities You agree to provide accurate and up-to-date information when using CreditZar.com. You are solely responsible for maintaining the confidentiality of your account and password. You must promptly notify CreditZar.com of any unauthorized use of your account.

4. Prohibited Activities You agree not to engage in any activity that violates these Terms of Service or applicable laws. Prohibited activities include, but are not limited to, unauthorized access to CreditZar.com, use of automated systems, and interference with the operation of the website.

5. Intellectual Property CreditZar.com and its content are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or modify any content from CreditZar.com without prior written permission.

6. Third-Party Links CreditZar.com may contain links to third-party websites or services. These links are provided for your convenience only. CreditZar.com does not endorse or control these third-party sites and is not responsible for their content or actions.

7. Disclaimer of Warranties CreditZar.com is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. CreditZar.com does not guarantee the accuracy, completeness, or reliability of any information on the website.

8. Limitation of Liability In no event shall CreditZar.com be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of CreditZar.com.

9. Indemnification You agree to indemnify and hold CreditZar.com harmless from any claims, damages, losses, liabilities, costs, or expenses arising out of your use of CreditZar.com or violation of these Terms of Service.

10. Changes to Terms CreditZar.com reserves the right to update or modify these Terms of Service at any time. Your continued use of CreditZar.com after any such changes constitutes acceptance of the revised terms.

11. Governing Law These Terms of Service shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

12. Contact Us If you have any questions or concerns about these Terms of Service, please contact us at support@creditzar.com.

By accessing or using CreditZar.com, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.