Terms & Conditions

Welcome to Posteridy.ai, an AI-powered business credit software platform owned and operated by Posteridy LLC, ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of Posteridy.ai's website, software, mobile application, and related services (collectively, the "Platform").

By accessing or using Posteridy.ai, you agree to these Terms. If you do not agree, do not access or use the Platform.

1. Overview of the Platform

Posteridy.ai is an intelligent business credit software designed to help entrepreneurs and business owners analyze, improve, and strengthen their business credit profiles. Through AI technology, Posteridy.ai provides recommendations, educational guidance, and visibility into business credit and funding opportunities such as business credit cards, business auto loans, CDFI products, SBA loans, equipment financing, vendor credit, and more.

Posteridy.ai does not provide loans, extend credit, or act as a lender or broker. All credit or funding decisions are made solely by independent third-party institutions.

2. Eligibility

To use Posteridy.ai, you must:

• Be at least 18 years old;
• Have the legal authority to represent a business entity, if applicable;
• Use the Platform in compliance with all applicable laws and regulations.

We reserve the right to suspend or terminate access if we believe a user has violated these Terms or used the Platform for fraudulent purposes.

3. Account Registration

To access certain features, you'll need to create an account. When registering, you agree to:

• Provide accurate, current, and complete information;
• Maintain the confidentiality of your login credentials;
• Accept responsibility for all activities under your account.

We may contact you using the information provided for account verification, product updates, or service-related communications.

4. AI-Generated Insights and Recommendations

Posteridy.ai's artificial intelligence technology analyzes the data you provide to generate funding recommendations. These insights are educational and informational in nature and should not be considered financial, legal, or tax advice.

We strive for accuracy, but Posteridy makes no guarantees regarding approval outcomes, credit limits, or lending decisions. Each financial institution retains full discretion over its approval process.

5. Data Privacy and Security

Your data privacy is our top priority. Posteridy.ai uses bank-grade encryption and secure data handling practices to protect user information. We do not sell, rent, or trade user data with third parties.

Please review our Privacy Policy for detailed information on how your data is collected, used, and protected.

6. Acceptable Use

You agree not to:

• Use Posteridy.ai for any unlawful purpose or in violation of applicable regulations;
• Attempt to reverse-engineer, copy, or exploit the Platform's source code;
• Input false, misleading, or unauthorized business data;
• Use automated systems or bots to access or overload our servers;
• Engage in activity that interferes with or disrupts the Platform's integrity or functionality.

7. Intellectual Property

All intellectual property on the Platform — including trademarks, software, text, graphics, and designs — is owned by Posteridy.ai / Posteridy LLC. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for its intended purpose only.

No portion of Posteridy.ai may be copied, distributed, or modified without our written consent.

8. Subscription and Fees

Currently, users may initially create an account for free. However, after 30 days, Posteridy.ai introduces subscription tiers. Any paid services will be clearly communicated, with transparent pricing and cancellation terms.

9. Third-Party Services

Posteridy.ai may include links, APIs, or integrations with third-party platforms (e.g., financial institutions, CDFIs, or bureaus). These are provided for your convenience, and we do not control or endorse third-party content or practices.

Your use of third-party services is subject to their respective terms and privacy policies.

10. Disclaimers and Limitation of Liability

The Platform and all its contents are provided "as is" and "as available." We do not guarantee uninterrupted service, error-free operation, or specific outcomes.

To the fullest extent permitted by law, Posteridy.ai and its affiliates are not liable for any:

• Loss of profits, revenue, or data;
• Business interruption;
• Indirect, incidental, or consequential damages arising from your use of the Platform.

Your sole remedy for dissatisfaction with Posteridy.ai is to discontinue its use.

11. Indemnification

You agree to indemnify, defend, and hold harmless Posteridy, its affiliates, officers, employees, and partners from any claims, damages, or expenses (including legal fees) arising from your use of the Platform or violation of these Terms.

12. Termination

We reserve the right to suspend or terminate your access at any time without notice if you violate these Terms or misuse the Platform. Upon termination, your right to use Posteridy.ai immediately ceases.

13. Modifications to the Platform or Terms

We may update these Terms periodically. Any changes will be posted with a new effective date. Continued use of the Platform after changes constitutes acceptance of the new Terms.

14. Governing Law

These Terms are governed by the laws of the State of Maryland, United States, without regard to its conflict of law principles.

Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Maryland.

15. Contact Information

If you have questions about these Terms, please contact us at:

• 📧 support@posteridy.ai
• 🏢 Posteridy LLC
• 137 National Plaza, Oxon Hill, MD 20745

16. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Posteridy.ai regarding your use of the Platform and supersede any prior agreements or understandings.

Thank you for using Posteridy!