Terms of Service

Last Updated: January 1, 2026

1. Overview

These Terms of Service (the “Terms”) govern access to and use of the CreditGPT platform, websites, applications, documentation, and related services (collectively, the “Services”) provided by Pillar Technology Inc. (“CreditGPT,” “Pillar Technology,” “we,” “us,” or “our”).

The Services are intended for business use by organizations and their authorized representatives. By accessing or using the Services, you agree to these Terms on behalf of the entity you represent (“Customer”). If you do not have authority to bind the Customer, you may not use the Services.

2. Orders, Pilots, and Conflicting Terms

Access to the Services may be provided under an order form, pilot order form, statement of work, online checkout, or other written agreement accepted by CreditGPT (each, an “Order Form”). The applicable Order Form may specify fees, term, seats, usage limits, document volumes, and other commercial terms.

If there is a conflict between these Terms and an Order Form signed by both parties, the Order Form controls for that specific order. If Customer has a separately executed master services agreement, data processing addendum, pilot agreement, or other written agreement with CreditGPT, that agreement will control to the extent stated in the agreement.

3. Access and Use

Subject to these Terms and any applicable Order Form, CreditGPT grants Customer a limited, non-exclusive, non-transferable, non-sublicensable right for Customer’s authorized users to access and use the Services during the applicable subscription or pilot term solely for Customer’s internal business purposes.

Customer is responsible for its users’ access to and use of the Services and for maintaining the confidentiality of user credentials. Customer will promptly notify CreditGPT of any suspected unauthorized access or use.

4. Acceptable Use and Restrictions

Customer will not, and will not permit any user or third party to: (a) reverse engineer, decompile, or attempt to discover source code, underlying ideas, or algorithms of the Services except to the extent such restriction is unenforceable under applicable law; (b) sell, resell, rent, lease, sublicense, distribute, or otherwise make the Services available to third parties except as expressly authorized; (c) copy, modify, or create derivative works of the Services; (d) remove or alter proprietary notices; (e) interfere with or disrupt the Services; (f) circumvent access controls or attempt to access accounts, systems, data, or portions of the Services without authorization; (g) conduct security, penetration, vulnerability, load, or benchmark testing without CreditGPT’s prior written approval; (h) use the Services to develop or benchmark a competing product or service; (i) use the Services for unlawful purposes or in violation of applicable laws; or (j) upload content without sufficient rights or authorization.

5. Customer Data

“Customer Data” means data, documents, files, content, and materials submitted to or processed through the Services by or on behalf of Customer, including credit agreements, indentures, related legal or financial documents, prompts, and outputs generated from such materials.

Customer retains all rights in Customer Data. CreditGPT processes Customer Data to provide, maintain, secure, support, and improve the Services, to implement Customer’s instructions, and to comply with legal obligations. CreditGPT does not train its own general-purpose AI models on Customer Data.

Customer represents that it has all rights, permissions, and authorizations necessary to submit Customer Data to the Services and permit CreditGPT to process Customer Data as described in these Terms and applicable documentation.

6. AI and Third-Party Providers

The Services may use third-party infrastructure, parsing, document-processing, analytics, monitoring, and AI model providers to operate the Services and generate requested outputs. CreditGPT will use commercially reasonable efforts to configure such providers consistent with its security, confidentiality, and data-handling commitments.

Customer acknowledges that AI-generated outputs may contain errors, omissions, or incomplete information. Customer is responsible for reviewing and validating outputs before relying on them, including by checking source citations, underlying documents, and professional judgment where appropriate.

7. Outputs and Professional Judgment

The Services provide document analysis, summaries, extractions, reports, models, citations, and related outputs for business evaluation and workflow purposes. The Services do not provide legal, investment, financial, accounting, tax, or other professional advice.

Customer is solely responsible for decisions made based on use of the Services. Customer should consult qualified professionals as appropriate before making legal, investment, trading, restructuring, financing, or other business decisions.

8. Security and Privacy

CreditGPT will maintain administrative, technical, and organizational safeguards designed to protect Customer Data. CreditGPT’s security practices may be described in a security summary, trust materials, or other documentation made available to Customer.

CreditGPT’s collection and use of personal information is described in its Privacy Policy. If CreditGPT and Customer enter into a data processing addendum or similar agreement, that agreement will govern the processing of personal data to the extent applicable.

9. Confidentiality

Each party may receive non-public information from the other party that is identified as confidential or should reasonably be understood to be confidential given the nature of the information and circumstances of disclosure (“Confidential Information”). Customer Data is Customer’s Confidential Information.

Each party will protect the other party’s Confidential Information using at least reasonable care and will use it only to perform under these Terms, exercise rights, or fulfill obligations. Confidential Information does not include information that is public through no fault of the recipient, independently developed without use of the disclosing party’s Confidential Information, rightfully received from a third party without confidentiality obligations, or required to be disclosed by law.

10. Intellectual Property

CreditGPT and its licensors retain all rights, title, and interest in and to the Services, software, technology, documentation, models, workflows, templates, designs, and other CreditGPT materials. Except for the limited access rights expressly granted, no rights are transferred to Customer.

Customer retains all rights in Customer Data. CreditGPT may use feedback, suggestions, or recommendations provided by Customer or users without obligation, provided CreditGPT does not disclose Customer’s Confidential Information in doing so.

11. Fees and Payment

Fees, payment terms, usage limits, and taxes are specified in the applicable Order Form. Unless otherwise stated in an Order Form, fees are non-refundable and payable in U.S. dollars. Customer is responsible for applicable taxes other than taxes based on CreditGPT’s net income.

CreditGPT may suspend access to the Services for overdue amounts after providing reasonable notice, except where Customer disputes the amounts in good faith and cooperates to resolve the dispute.

12. Term and Termination

These Terms apply while Customer accesses or uses the Services. The term for a subscription, pilot, or evaluation is specified in the applicable Order Form.

Either party may terminate an applicable Order Form for material breach if the breach is not cured within ten (10) days after written notice, unless a different cure period is stated in the Order Form. CreditGPT may suspend or terminate access immediately if necessary to prevent security risk, unlawful activity, unauthorized access, or material harm to the Services or other customers.

Upon termination or expiration, Customer’s right to access the Services will end. Sections that by their nature should survive will survive, including confidentiality, intellectual property, payment obligations, disclaimers, limitations of liability, and governing law.

13. Data Return and Deletion

Upon written request or termination, CreditGPT will use commercially reasonable efforts to return or delete Customer Data from active systems in accordance with applicable agreements, documentation, and legal obligations. Backup copies may be retained until overwritten or deleted in the ordinary course of backup retention, subject to legal holds and security requirements.

14. Service Changes and Availability

CreditGPT may modify, update, improve, or discontinue features of the Services from time to time. CreditGPT will use reasonable efforts to avoid materially degrading core functionality during an active subscription or pilot term, subject to changes made for security, legal, operational, or product improvement reasons.

The Services may be temporarily unavailable due to maintenance, updates, incidents, third-party provider issues, or events beyond CreditGPT’s reasonable control.

15. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. CREDITGPT DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

CREDITGPT DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR THAT OUTPUTS WILL BE COMPLETE, ACCURATE, OR SUITABLE FOR ANY PARTICULAR DECISION OR USE CASE.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE AMOUNTS PAID OR PAYABLE BY CUSTOMER TO CREDITGPT FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR, FOR A PILOT OR EVALUATION, THE FEES PAID OR PAYABLE FOR THAT PILOT OR EVALUATION.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS, OR LOSS OF GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

17. Compliance and Export

Each party will comply with applicable laws in connection with these Terms and use of the Services. Customer represents that it and its users are not prohibited parties and will not use the Services in embargoed countries or for prohibited end uses.

18. Notices

Notices must be in writing and may be delivered by email. Notices to CreditGPT must be sent to legal@creditgpt.com unless CreditGPT designates a different notice address. Notices to Customer may be sent to the email address associated with Customer’s account, Order Form, or authorized representative.

19. Governing Law and Venue

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. The parties consent to the exclusive jurisdiction and venue of the state and federal courts located in New York County, New York, for disputes arising out of or relating to these Terms or the Services.

20. Changes to These Terms

CreditGPT may update these Terms from time to time. The updated Terms will be effective as of the date posted unless otherwise stated. If CreditGPT makes material changes, it will use reasonable efforts to provide notice through the Services, by email, or by other appropriate means.

21. Contact

Pillar Technology Inc.
Legal Contact: legal@creditgpt.com
Security Contact: security@creditgpt.com