Terms of Use

Welcome to Crederoom. These Terms of Use ("Terms", "Agreement") form a legally binding contract between you ("User", "Investor", "You") and Crederoom Inc. ("Crederoom", "Company", "We", "Us", "Our") governing every aspect of your access to and use of the crederoom.com website, mobile applications, AI trading engine, investor dashboard and any related products or services (collectively, the "Platform"). By registering an account, depositing funds or merely browsing crederoom.com, you confirm that you have carefully read, fully understood and unconditionally agreed to be bound by all provisions set out below. If you do not agree with any part of these Terms, you must immediately discontinue use of the Platform and refrain from registering an account.

These Terms are drafted in deliberately clear, plain English — no hidden traps, no fine-print loopholes, no legal theatre. Crederoom believes that an investor-first platform must be governed by investor-first terms. Every clause below reflects our genuine day-to-day practice on crederoom.com and is enforced consistently across our global membership of 30,000+ active investors in 47+ jurisdictions.

1. Acceptance of These Terms

By creating a Crederoom account, submitting any form on crederoom.com, depositing funds, activating the AI trader or using any feature of the Platform in any way, you expressly acknowledge and agree that:

You have read these Terms in their entirety;
You fully understand all rights and obligations they create;
You accept them without reservation, condition or modification;
You have the full legal capacity and authority to enter this Agreement;
Your use of Crederoom constitutes your electronic signature on this document.

If you are using the Platform on behalf of a corporate entity, trust or partnership, you additionally represent that you are duly authorised to bind that entity to these Terms and that the entity itself agrees to them.

2. Eligibility & Account Requirements

Access to crederoom.com is strictly limited to individuals and entities who meet every one of the following eligibility criteria:

Minimum age: you must be at least 18 years old, or the legal age of majority in your jurisdiction (whichever is higher);
Legal capacity: you must possess the full legal capacity to enter into binding contracts under the laws of your country of residence;
Jurisdiction: you must not reside in, be a citizen of, or access the Platform from any Restricted Jurisdiction (defined in Section 3);
Sanctions compliance: you must not be listed on any sanctions, terrorism-financing or money-laundering watchlists issued by UN, EU, OFAC, HMT or FINTRAC;
Honest identity: you must provide accurate, current and complete information during registration and KYC verification;
Single-account rule: you may hold only one personal Crederoom account; multiple accounts under one identity are strictly prohibited;
Lawful source of funds: all funds deposited onto crederoom.com must originate from legitimate, verifiable sources.

3. Restricted Jurisdictions

Due to international regulatory constraints, Crederoom services are not available to residents, citizens or persons physically located in the following jurisdictions: North Korea (DPRK), Iran, Syria, Cuba, Crimea region, Donetsk and Luhansk regions, Afghanistan, Myanmar, and any other country or territory subject to comprehensive economic sanctions issued by the United Nations, European Union, United States OFAC or Canadian FINTRAC. Attempting to access crederoom.com from a Restricted Jurisdiction — including through the use of VPN, proxy servers or other anonymisation tools — constitutes a material breach of these Terms and may result in immediate account suspension and forfeiture of funds in accordance with applicable law.

4. Account Registration & KYC Verification

To unlock the full feature set of Crederoom, you must successfully complete the account registration and Know-Your-Customer (KYC) verification process. During registration you will be required to provide:

Full legal name as it appears on your government-issued ID;
Valid personal email address under your direct control;
Active mobile phone number for 2FA and security notifications;
Current country of residence and residential address;
Government-issued photo identification (passport, national ID or driver's licence);
Proof of residence (utility bill or bank statement issued within the last 90 days);
Selfie-verification image for biometric identity matching.

You agree to keep your account information accurate, complete and up-to-date at all times, and to notify Crederoom of any material changes within 14 days. You are fully responsible for maintaining the confidentiality of your login credentials and 2FA device. Any activity performed under your account is deemed to have been performed by you, unless you promptly report unauthorised access to [email protected].

5. Deposits, Withdrawals & Minimum Investment

All financial transactions on crederoom.com are governed by the following rules:

Minimum deposit: $250 USD (or equivalent in supported cryptocurrencies) to activate the AI trading engine;
Maximum deposit: no upper limit, though deposits exceeding $100,000 are routed through a dedicated VIP onboarding flow;
Supported payment methods: credit/debit cards, SEPA transfers, SWIFT wires, USDT (TRC-20, ERC-20, BEP-20), BTC, ETH, SOL and selected stablecoins;
Deposit processing time: card/stablecoin deposits are credited within minutes; bank wires may take 1–3 business days;
Withdrawals: processed on-chain in approximately 60 seconds, 24/7/365, with no artificial holding periods;
Withdrawal fees: zero platform fees; only standard blockchain network gas fees apply;
Minimum withdrawal: $20 USD equivalent;
Daily withdrawal limit: $100,000 standard, higher limits available upon enhanced verification.

Crederoom reserves the right to delay or decline any transaction that triggers AML/CTF compliance flags, pending completion of enhanced due diligence. You will be notified of any such hold within 24 hours.

6. The AI Trading Engine — How It Works

The core of Crederoom is a quantum-inspired, self-learning AI trading engine that autonomously executes algorithmic strategies on your behalf. By activating the engine, you acknowledge and agree that:

All trades are initiated automatically by the AI without requiring your real-time confirmation;
Trading strategies, position sizes and asset selections are determined entirely by the algorithm;
Trading involves inherent market risk, including the possibility of partial or total loss of invested capital;
Historical performance figures do not constitute a guarantee of future returns;
The AI engine operates 24/7/365 across global markets and may execute hundreds of trades per day on your account;
You may pause, resume or adjust risk parameters of the AI engine at any time through your dashboard.

7. Fees, Commissions & Revenue Sharing

Crederoom operates on a radically transparent fee model:

Account creation: free;
Deposits: free (only third-party payment-processor fees may apply);
Platform management fee: 0% — no monthly subscriptions, no hidden charges;
Performance fee: 20% of net profits generated by the AI engine (industry-standard carry structure);
Withdrawal fee: 0% platform fee + blockchain network gas fees only;
Inactivity fee: none;
Account closure fee: none.

All fees are displayed in real time inside your investor dashboard and are deducted automatically from generated profits — never from your principal deposit.

8. Investment Risks & Disclaimers

IMPORTANT: PLEASE READ THIS SECTION CAREFULLY. Participation in automated cryptocurrency trading on Crederoom carries significant financial risks, including but not limited to:

Market volatility risk: cryptocurrency markets are highly volatile and prices can move dramatically in short periods;
Capital loss risk: you may lose some or all of your invested capital;
Technology risk: smart-contract bugs, blockchain network failures or AI-model errors may impact performance;
Regulatory risk: changes in cryptocurrency regulations may affect Platform availability in your jurisdiction;
Liquidity risk: extreme market conditions may temporarily impact withdrawal processing times;
Counterparty risk: third-party liquidity providers and custodians may experience operational disruptions.

You expressly acknowledge that Crederoom does not provide investment, financial, legal or tax advice. The Platform is a technology tool, not a licensed financial advisor. You should consult qualified independent professionals before making any investment decisions. Only invest capital you can genuinely afford to lose.

9. Prohibited Activities

When using crederoom.com, you agree not to engage in any of the following:

Creating multiple accounts under the same identity or using false identity information;
Using the Platform for money laundering, terrorism financing or any other illegal purpose;
Attempting to access, probe, scan or reverse-engineer any portion of the Platform's infrastructure;
Launching DDoS attacks, injecting malicious code or exploiting smart-contract vulnerabilities;
Using automated bots, scrapers or crawlers against the Platform without written authorisation;
Impersonating Crederoom staff, moderators or official communication channels;
Phishing, defrauding or socially engineering other investors or members of the community;
Circumventing geographic restrictions through VPNs, proxies or other anonymisation tools;
Reselling, sublicensing or redistributing any part of the Platform without written consent;
Violating any applicable local, national or international law.

Violation of this Section results in immediate account suspension, forfeiture of accrued profits (not principal) and may trigger criminal referral to the appropriate law-enforcement authorities.

10. Intellectual Property Rights

All content, software, algorithms, trademarks, logos, text, graphics, user interfaces, visual designs and underlying technology comprising crederoom.com are the exclusive intellectual property of Crederoom Inc. or its licensors, and are protected by international copyright, trademark, patent and trade-secret laws. You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform strictly for its intended personal investment purposes. Nothing in these Terms transfers ownership of any intellectual property to you. Unauthorised reproduction, modification, distribution, public display or creation of derivative works is strictly prohibited and will be prosecuted to the fullest extent of applicable law.

11. Account Suspension & Termination

Crederoom reserves the unilateral right to suspend, restrict or permanently terminate your account at any time, with or without prior notice, if we have reasonable grounds to believe that:

You have violated any provision of these Terms;
You have engaged in fraudulent, deceptive or illegal activity;
You have provided false, misleading or incomplete information during KYC;
Your account has been compromised and poses a security risk;
Continued provision of services would violate applicable law;
You have been inactive for more than 24 consecutive months.

Upon termination, your lawfully accrued principal and verified profits (minus any outstanding fees) will be returned to a verified wallet address within 30 business days, subject to applicable regulatory holds. You may also voluntarily close your account at any moment from the dashboard settings.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Crederoom Inc., its directors, officers, employees, agents, affiliates and licensors shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption or any other intangible losses, arising out of or related to your use of or inability to use the Platform — even if we have been advised of the possibility of such damages. In no event shall our aggregate liability exceed the greater of (a) the total fees you paid to Crederoom during the 12 months preceding the claim, or (b) $1,000 USD.

13. Indemnification

You agree to indemnify, defend and hold harmless Crederoom Inc., its directors, officers, employees, agents and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs or debts, and expenses (including reasonable attorneys' fees) arising from: (a) your use of and access to the Platform; (b) your violation of any provision of these Terms; (c) your violation of any third-party right, including intellectual property or privacy rights; or (d) any claim that your actions caused damage to a third party.

14. Dispute Resolution & Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. Any dispute, controversy or claim arising out of or relating to these Terms shall first be addressed through good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be finally settled by binding arbitration administered by the ADR Institute of Canada under its Arbitration Rules, with the seat of arbitration in Toronto, Ontario. The language of arbitration shall be English. Nothing in this Section prevents either party from seeking emergency injunctive relief from a competent court.

15. Force Majeure

Crederoom shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, civil unrest, government actions, sanctions, embargoes, pandemics, blockchain network failures, exchange outages, internet or telecommunications outages, cyberattacks or any other force majeure event. During such events, Platform functionality may be temporarily limited or suspended without liability to any user.

16. Modifications to These Terms

Crederoom reserves the right to modify, update or revise these Terms at any time at its sole discretion to reflect changes in applicable law, Platform functionality or business practices. When material changes are introduced, we will notify registered users through dashboard notification and/or email with at least 14 days' advance notice before the changes take effect. Continued use of the Platform after the effective date constitutes your acceptance of the updated Terms. If you do not agree with the modifications, you must stop using the Platform and may close your account.

17. Communications & Notices

By creating a Crederoom account, you consent to receive electronic communications from us, including transactional notifications, security alerts, service updates and (where opted in) marketing communications. Official notices from Crederoom will be sent to your registered email address or displayed inside your investor dashboard. You are responsible for keeping your contact details current. Notices to Crederoom should be sent to [email protected] or by registered mail to our Toronto headquarters.

18. Severability

If any provision of these Terms is held invalid, illegal or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with a valid, enforceable provision that most closely reflects the original intent of the parties.

19. Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy, AML/KYC Policy and any other legal documents published on crederoom.com, constitute the entire agreement between you and Crederoom Inc. regarding your use of the Platform, superseding all prior or contemporaneous understandings, agreements, representations or warranties, whether written or oral.

20. Assignment

You may not assign, transfer or delegate your rights or obligations under these Terms to any third party without the prior written consent of Crederoom. Crederoom may freely assign its rights and obligations under these Terms in connection with a corporate reorganisation, merger, acquisition or sale of substantially all its assets, with notice to affected users where legally required.

21. No Waiver

Failure by Crederoom to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorised representative of Crederoom Inc.

22. Language

The authoritative version of these Terms is the English-language version published on crederoom.com. Translations into other languages are provided for convenience only. In the event of any discrepancy between the English version and a translated version, the English version shall prevail.

23. Contact Information

For any questions, concerns, complaints or requests relating to these Terms of Use, please contact Crederoom through the following official channels:

Legal inquiries: [email protected]
General support: [email protected]
Compliance & AML: [email protected]
Security reports: [email protected]
Phone: +1 (780) 542-1618 (24/7)
Postal address: Crederoom Inc., Legal Department, First Canadian Place, 100 King St W, Toronto, ON M5H 1H1, Canada

24. Acknowledgement

By using Crederoom, you acknowledge that you have read, understood and agree to be bound by these Terms of Use in their entirety. You further acknowledge that you have had the opportunity to seek independent legal advice before accepting these Terms, and that you accept them voluntarily and without duress. Welcome to the future of autonomous AI investing — welcome to Crederoom.

Effective date: October 23, 2026
Last updated: October 23, 2026
Document version: 3.0
Document reference: KD-TOU-2026-V3