Last updated: 15 February 2026
Version: 1.1
These Terms of Use govern the use of the Credio application and related services (“Service”). By creating an account or using the Service, users agree to these Terms.
These Terms apply in their current valid version to all users of the Service.
If individual provisions of these Terms are invalid or unenforceable, the validity of the remaining provisions remains unaffected.
The operator may modify or supplement these Terms where necessary due to legal, technical, or operational changes. Updated versions will be published on the official Credio website.
“Operator” refers to the individual operating the Credio Service.
“User” refers to any natural person who registers for or uses the Service.
“Service” refers to the Credio digital notebook and communication system.
Credio provides a digital documentation tool that allows users to record and manage account-related entries and communicate via in-app messaging.
The Service is provided free of charge.
The Service does not constitute:
Users are responsible for:
Users must not use the Service for unlawful, fraudulent, discriminatory, or abusive purposes.
Personal data is processed in accordance with the Privacy Policy.
Users may request access to or deletion of their data as described in the Privacy Policy.
The operator implements appropriate technical and organizational measures to protect user data.
The operator commits to confidentiality regarding internal system information and user data.
Users are responsible for maintaining confidentiality of their own account credentials.
The Service is operated in accordance with applicable anti-discrimination laws, including the German General Equal Treatment Act (AGG).
Users may not use the Service to engage in discriminatory behavior.
Users are solely responsible for the accuracy of all data entered into the Service.
The operator does not verify balances, financial entries, or user communications.
The software, source code, database structure, design, and content of the Service are protected by copyright law (Urheberrechtsgesetz – UrhG) and other applicable intellectual property laws.
Users are granted a non-exclusive, non-transferable right to use the Service solely for its intended purpose.
Any reproduction, modification, distribution, reverse engineering, or commercial exploitation of the Service or parts thereof is prohibited unless expressly permitted by law.
Statutory rights of users under applicable copyright law remain unaffected.
The Service is provided on an “as is” and “as available” basis.
The operator does not guarantee uninterrupted availability or error-free operation.
Temporary restrictions may occur due to:
The Service is provided free of charge.
If additional optional services are introduced in the future, users will be informed in advance and a separate agreement may be required.
The operator is liable without limitation:
In cases of simple negligence, liability is limited to breaches of essential contractual obligations and to foreseeable, typical damages.
The operator assumes no liability for:
Users are expected to interact respectfully and professionally within the Service.
The operator reserves the right to suspend or terminate accounts in case of misuse or serious violation of these Terms.
Account deletion procedures are governed by the Privacy Policy.
The operator may suspend or terminate accounts where necessary to protect system integrity or enforce these Terms.
These Terms are governed by the laws of the Federal Republic of Germany.
If legally permissible, the place of jurisdiction shall be the operator’s place of residence in Germany.
Mandatory consumer protection provisions remain unaffected.
Information about the operator, including contact details, is available in the Imprint.
Should any provision of these Terms be invalid, the remaining provisions remain effective.