Terms and Conditions

We employ the use of cookies. By accessing Creditkosh, you agree to the use of cookies in accordance with Creditkosh’s Privacy Policy.
Most interactive websites use cookies to retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas and make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.
License
Unless otherwise stated, Creditkosh and/or its licensors own the intellectual property rights for all material on Creditkosh.
All intellectual property rights are reserved. You may access this material from Creditkosh for your own personal use, subject to restrictions set in these terms and conditions.
You must not:

• Republish material from Creditkosh
• Sell, rent, or sub-license material from Creditkosh
• Reproduce, duplicate, or copy material from Creditkosh
• Redistribute content from Creditkosh

This Agreement begins on the date hereof.
Parts of this website allow users to post and exchange opinions and information in specific areas. Creditkosh does not filter, edit, publish, or review Comments before their appearance on the website. Comments reflect the views and opinions of the individual who posts them.
To the extent permitted by applicable laws, Creditkosh shall not be held liable for the Comments or for any liability, damages, or expenses caused and/or suffered due to any use, posting, or appearance of the Comments on this website.
Creditkosh reserves the right to monitor all Comments and remove any Comments deemed inappropriate, offensive, or in breach of these Terms and Conditions.
You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so.
• The Comments do not infringe any intellectual property right, including copyright, patent, or trademark of any third party.
• The Comments do not contain defamatory, libelous, offensive, indecent, or unlawful material, which is an invasion of privacy.
• The Comments will not be used to solicit or promote business, custom, or unlawful activity.

You hereby grant Creditkosh a non-exclusive license to use, reproduce, edit, and authorize others to use, reproduce, and edit any of your Comments in any and all forms, formats, or media.
Hyperlinking to Our Content
The following organizations may link to our website without prior written approval:

• Government agencies
• Search engines
• News organizations
• Online directory distributors may link to our website in the same way as they hyperlink to other listed businesses
• System-wide Accredited Businesses, except for soliciting non-profit organizations, charity shopping malls, and charity fundraising groups

These organizations may link to our home page, publications, or other website information as long as the link:

1. Is not deceptive.
2. Does not falsely imply sponsorship, endorsement, or approval of the linking party and its products/services.
3. Fits within the context of the linking party’s site.

We may approve link requests from organizations such as:

• Consumer and/or business information sources
• Dot.com community sites
• Associations or other charitable groups
• Online directory distributors
• Internet portals
• Accounting, law, and consulting firms
• Educational institutions and trade associations

Approved organizations may hyperlink to our website using:

• Our corporate name
• The uniform resource locator (URL) being linked to
• Any other appropriate description of our website

No use of Creditkosh’s logo or other artwork is allowed for linking without a trademark license agreement.
Content Liability
We shall not be held responsible for any content appearing on your website. You agree to protect and defend us against all claims arising from your website. No link(s) should appear on any website that may be interpreted as libelous, obscene, criminal, or that infringes on or advocates the infringement of third-party rights.
Your Privacy
Please read our [Privacy Policy].
Reservation of Rights
We reserve the right to request that you remove any or all links to our website. You agree to immediately remove all links to our website upon request. We also reserve the right to amend these terms and conditions and the linking policy at any time. By continuing to link to our website, you agree to be bound by and follow these linking terms and conditions.
Removal of Links from Our Website
If you find any link on our website that is offensive, you are free to contact us. We will consider requests to remove links but are not obligated to do so or respond directly.
Disclaimer
To the fullest extent permitted by applicable law, we exclude all representations, warranties, and conditions related to our website and its use. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury.
• Limit or exclude our or your liability for fraud or fraudulent misrepresentation.
• Limit any of our or your liabilities in any way not permitted under applicable law.
• Exclude any of our or your liabilities that cannot be excluded under applicable law.

As long as the website and information/services are provided free of charge, we will not be liable for any loss or damage of any nature.
For any questions or concerns, contact us at info@creditkosh.com.
Let me know if further refinement is needed!