Terms & Conditions

The Credico group of companies (“Credico”) provides information on its website subject to the following terms and conditions (“Terms of Use”). The terms “we,” “our,” “us,” and “Credico” refer to corporations, partnerships, limited liability companies, joint ventures and/or other endeavors in different countries which may be affiliated with one another through some common ownership characteristics; any subsidiaries; member firms; all of their partners, principals, members, owners, directors, staff and agents, and in all cases any successor or assignee. The term “you” refers to each individual user of this site and/or the user’s employer, if applicable. By visiting or using this website, you are acknowledging that you have read, understand, and agree, without limitation or qualification, to be bound by these Terms of Use and Privacy Policy. If you do not agree to the conditions stated in the Terms of Use or Privacy Policy, you must immediately stop all use of the Credico website.


Legal Disclaimer
The term “Credico” as used throughout this website and/or in any materials linked hereto is a reference to the corporations, partnerships, limited liability companies, joint ventures and/or other endeavors which may be affiliated with one another through some common ownership characteristics. The name Credico is not meant to refer to any specific entity, but rather to a service or initiative of one or more of the aforementioned entities. By use of the term in this manner, we specifically disclaim any intent to ignore the principles of corporate separateness or jeopardize the legal protections afforded to entities that are incorporated or formed to conduct a specific business separately from other entities that may be related by some degree of common ownership. Accordingly, no use of the term “Credico” or any description of the activities of any Credico entity herein may be relied upon by any third party to support a claim based upon lack of respect of corporate separateness or corporate formalities or any other “piercing the veil” attribute.


Please review the Credico Privacy Policy, which also governs your visit to the website, and is made a part of and included in these Terms of Use.


Limitation of Liability
Credico makes no representations or warranties, express or implied, about the accuracy, adequacy, completeness, timeliness, suitability, or any other aspect of this website or any content on or accessed through this website for any purpose, all of which is provided “AS IS” and “AS AVAILABLE” without any warranty of any kind. Credico hereby disclaims all warranties and obligations with regard to the website or any content on or accessed through this website, including but not limited to all implied warranties and obligations of merchantability, fitness for a particular purpose, title and non-infringement, unless and to the extent such representations and warranties are not legally excludable. In no event shall Credico be liable for any direct, indirect, incidental, special, exemplary, consequential, or other damages whatsoever (including but not limited to liability for interruption of business, loss of use, data, or profits) without regard to the form of any action, including but not limited to contract negligence or other “tort” actions, arising out of or in connection with this site, any content on or accessed through this site, or any copying, display, or other use thereof.


In no event shall Credico, their respective members, shareholders, officers, directors, employees, agents, successors and assigns, be liable for any consequential, special, indirect, incidental, punitive or exemplary loss or damage relating to the use of this website. These provisions shall apply to the fullest extent of the law, whether in contract, statute, tort (such as negligence), or otherwise.


No Legal or Professional Advice
All information and content on this website is provided for general informational purposes only, and may not reflect current legal developments or developments in other industries or professions. Any information on this website should not be construed as legal or professional advice and is not intended to be a replacement for legal or professional advice on any matter. No visitor to this website should act or refrain from acting on the basis of any content included in, or accessible through, this website without seeking the appropriate legal or other professional advice on the particular facts and circumstances at issue.


No Confidential Information
This information does not create, and receipt of it does not constitute any legal privilege. Credico cannot represent any potential client until we know that doing so will not create a conflict of interest. Accordingly, do not use any supplied e-mail interfaces to send any confidential information.


Intellectual Property
All content available on this website, including but not limited to the text, photographs, images, graphics, audio clips, and any compilation or arrangement thereof (“content”) is owned, controlled by or licensed to Credico. All content is protected by United States and international laws regarding copyrights, trademarks, trade secrets and other proprietary rights. The trademarks, logos, and service marks displayed on the website (collectively, the “Trademarks”) are owned by Credico, in the United States or other countries, and are protected by United States and international trademark laws. All other Trademarks not owned by us that appear on the website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Credico.


Other Website Links
From time to time, this website may contain links that lead to websites maintained by individuals or organizations other than Credico. These links are for visitors’ convenience only and are not an endorsement by us, our affiliates, or our strategic partners. Credico is not responsible for such websites or their content, and Credico makes no representation or warranty regarding the accuracy, timeliness, suitability or any other aspect of the content located on such websites and does not monitor nor endorse such websites or content. If you visit another website through a link on our website, Credico’s Terms of Use and Privacy Policy will no longer apply. Credico encourages visitors to review each website’s privacy policy and Terms of Use before disclosing any information.


Credico reserves the right, in its sole discretion, to change the Terms of Use or Privacy Policy at any time by posting the changes on the website. Any changes are effective immediately upon posting to the website. Visitors’ continued use of the website constitutes agreement to all such terms and conditions.


With respect to any dispute regarding the site, visitors’ rights and obligations and all actions contemplated by these Terms of Use shall be governed by the laws of the state of Illinois, as if the Terms of Use were a contract wholly entered into and wholly performed within Illinois. Any dispute relating in any way to your visit to the website, except as otherwise excluded in this Disputes section, shall be submitted to the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules. The arbitration shall be confidential and shall be conducted in Chicago, Illinois. The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction.


Time Limitation on Claims: You agree that any claim you may have arising out of or related to your relationship with Credico must be filed within one year after such claim arose, otherwise, your claim is permanently barred.

Exceptions to Agreement to Arbitration: Either you or Credico may assert a claim, if it qualifies, in small claims court in Chicago, Illinois. Nothing in this section shall be deemed as preventing either party from seeking injunctive or other equitable relief from the courts as necessary to stop unauthorized use or abuse of the Credico.com website or intellectual property infringement without first engaging in arbitration. All claims for injunctive or other appropriate relief may be brought in a court of competent jurisdiction in Chicago, Illinois, and you consent to exclusive jurisdiction and venue in such courts.


Copyright Notice
Except where noted otherwise, all local material on the individual country sites is copyright to the relevant country entity. All rights reserved. No part of the materials on this Site, including but not limited to the text, graphics and html code, may be reproduced or transmitted in any form, or by any means without the written permission of the relevant member country entity.


Users Outside the United States
We strive to create a global community with consistent standards for everyone, but we also strive to respect local laws. The following provisions apply to user and non-users who use Credico.com outside the United States.

You consent to having your personal data transferred to and processed in the United States. The information provided within Credico.com is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Credico to any registration requirement within such jurisdiction or country.


If any provision of these terms of use (or any portion thereof) is found by a court of competent jurisdiction to violate any statute, regulation, rule, order or decree of any governmental authority, court, agency or exchange, or is determined to be invalid or unenforceable, such invalidity shall not be deemed to affect any other provision hereof or the validity of the remainder of these Terms of Use or Privacy Policy, and such invalid provision shall be deemed deleted herefrom to the minimum extent necessary to cure such violation. The remaining provisions of the Terms of Use and Privacy Policy shall not be affected by such determination and shall be binding upon the parties and shall be enforceable as though said invalid or unenforceable provision (or portion thereof) were not contained herein.