EXCITING

Last Updated: 4/16/2026

Article 1. Purpose

These Terms of Service ("Terms") govern the use of the mobile application Credo: AI Credit Repair Coach (the "App") provided by Corp. Exciting ("Developer", "we", "us").

By installing or using the App, you agree to be bound by these Terms.

Article 2. Service Description

Credo is an AI-powered financial guidance application designed to help users better understand and improve their credit situation.

The App provides:

AI-generated responses to user-submitted credit-related questions
Credit score interpretation and general financial insights
Personalized action plans and step-by-step guidance
Information about publicly available financial programs and opportunities

What the App Does NOT Provide

The App does NOT:

Act as a lender, broker, or financial institution
Approve or deny any loan, credit, or application
Provide legally binding financial advice
Access or modify your actual credit report or credit score

Article 3. Government & Program Information Disclaimer

The App may display information regarding U.S. federal, state, or public assistance programs, including loan programs, housing support, and credit-building opportunities.

You acknowledge that:

These programs are operated by official government agencies or third-party organizations
The App is NOT affiliated with, endorsed by, or representing any government entity
The App does NOT administer, manage, or control any such program
The App does NOT guarantee eligibility, approval, or outcomes

The App only provides information to help users discover publicly available resources and improve awareness of social support systems.

Users must apply directly through official providers.

Article 4. AI Service & Limitations

The App uses AI technology to generate responses and plans.

You acknowledge that:

AI-generated content may contain errors, omissions, or inaccuracies
Outputs are provided for informational purposes only
Results may vary depending on your inputs and circumstances

The Developer does not guarantee the accuracy, completeness, or suitability of AI-generated content.

Article 5. Data Storage & Privacy

1. Local Data Storage

All user data — including inputs, preferences, and history — is stored locally on your device only.

The Developer does not store personal user data on its servers.

2. AI Processing

To provide AI functionality:

Only the text of user inputs (questions) may be processed
This data is handled in an anonymized form without direct personal identifiers
Text may be transmitted to third-party AI providers solely for response generation

3. No Personal Identification

The App does not collect personally identifiable information (PII) unless explicitly provided
The Developer does not have the ability to identify users as individuals
Third-party AI services used do not receive identifiable user identity data

4. Data Usage Restrictions

The Developer does NOT:

Sell or share personal data
Use user data for advertising profiling
Store user conversations on external servers

Article 6. Third-Party Services

The App may rely on third-party services, including:

AI model providers
External data sources

These services operate under their own terms and privacy policies.
The Developer is not responsible for their practices.

Article 7. User Responsibilities

Users agree to:

Provide accurate and lawful input
Not use the App for illegal, harmful, or fraudulent activities
Not attempt to reverse engineer, modify, or exploit the App
Not rely solely on the App for critical financial decisions

Article 8. Limitation of Liability

To the maximum extent permitted by law:

The App is provided "as is" without warranties of any kind
The Developer is not responsible for financial decisions made based on the App
The Developer is not liable for any direct, indirect, incidental, or consequential damages

Article 9. Intellectual Property

All content, design, code, and features of the App are the property of Corp. Exciting.

Users are granted a limited, non-exclusive, non-transferable license to use the App for personal purposes only.

Article 10. Service Changes

The Developer may modify, suspend, or discontinue features at any time.

Continued use of the App constitutes acceptance of such changes.

Article 11. Changes to Terms

These Terms may be updated periodically.

Continued use of the App after updates constitutes acceptance of the revised Terms.

Article 12. Governing Law

These Terms are governed by the laws of the Republic of Korea.

Any disputes shall be subject to the jurisdiction of the courts of the Republic of Korea.

Article 13. Contact

For questions or support:

Email: corp.exciting@gmail.com

Version: v1.0.0+1
Last Updated: April 16, 2026
Developer: Corp. Exciting
Contact: corp.exciting@gmail.com

1. Overview

Credo: AI Credit Repair Coach (“Credo”, “App”) is an AI-powered financial guidance application designed to help users better understand and improve their credit situation.

Credo is built with a privacy-first architecture:

No account required
No personal data stored on developer servers
All user data remains on-device
Only minimal anonymized text is processed for AI functionality

2. Data We Collect

A. Data We DO NOT Collect

Corp. Exciting does NOT collect or store the following on its servers:

❌ Name, email address, phone number, or any personal identifiers
❌ Financial account data (bank, credit card, SSN, etc.)
❌ Credit report or official credit bureau data
❌ Exact location data (GPS)
❌ Contacts, photos, or device personal files
❌ Device identifiers (IMEI, MAC address)
❌ Full conversation history on any external server

B. Data Stored Locally (On-Device Only)

Credo stores the following only on your device:

Data Type

Purpose

User questions history

Track progress and provide continuity

Selected goals

Personalized roadmap generation

Preferences & settings

App customization

Feature usage state

Improve user experience

✔ Stored in secure app sandbox (SharedPreferences / local storage)
✔ Not accessible by the Developer
✔ Permanently deleted when the app is uninstalled

3. AI Processing & Data Usage

To provide AI-powered features:

Only the text you voluntarily enter is processed
This text is handled in an anonymized form without direct personal identifiers

How It Works

Your input is sent via HTTPS
It is processed by a secure proxy
Forwarded to a third-party AI provider (e.g., Groq)
Response is returned to your device

Important Clarifications

✔ Corp. Exciting does NOT store your inputs on its servers
✔ Corp. Exciting does NOT use your data to train AI models
✔ Corp. Exciting does NOT log your conversations

User Identity Protection

No system exists to identify you as an individual
No account linking, tracking, or profiling
Third-party AI providers do NOT receive identifiable user identity data

4. Government & Program Information

Credo may display information about:

U.S. federal programs
State-level assistance programs
Public financial support systems

Important

These programs are operated by official entities
Credo is NOT affiliated with or representing any government
Credo does NOT manage, provide, or guarantee any program

Credo’s role is only to:

👉 Help users discover publicly available opportunities
👉 Improve awareness of social safety net programs

5. Third-Party Services

Credo may rely on:

AI model providers (e.g., Groq)
Infrastructure services (e.g., Cloudflare)
Advertising platforms (if enabled in future updates)

These services operate under their own privacy policies.

6. Data Retention

Data Type

Retention

Local data

Until app uninstall or manual deletion

AI input text

Not stored by Developer

Personal data

Not collected

👉 Uninstalling the app deletes all stored data permanently

7. Security Measures

Credo uses:

HTTPS encryption for all transmissions
Secure app sandbox storage
No server-side user database
No persistent logging

8. Your Rights & Control

You can:

✔ Delete all data → uninstall app
✔ Control usage → stop using AI features
✔ Limit exposure → avoid entering sensitive personal information
✔ Contact us → request clarification anytime