Credit4Ever

Terms of Service

Last updated: May 12, 2026

These Terms of Service ("Terms") govern access to and use of the Credit4Ever SaaS platform (the "Service"), operated by Florida Hitech Services Inc ("we", "us", "our", or "Credit4Ever"), a company registered in the State of Florida, USA.

By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.

1. Description of the Service

Credit4Ever is a multi-tenant SaaS platform that enables consulting and professional service companies to manage clients, contracts, billing, appointments, documents, and communications from a single place.

2. Account and eligibility

  • You must be at least 18 years old to create an account.
  • You must provide truthful, accurate, and current information.
  • You are responsible for keeping your credentials confidential and for all activity that occurs under your account.
  • You must notify us immediately of any unauthorized use of your account at support@credit4ever.com.

3. Plans, pricing, and payments

  • The Service offers different plans (Free, Pro, Agency) with different features and limits published in the Service.
  • Payments are processed through a PCI DSS Level 1 certified payment processor. By subscribing you authorize recurring charges for the chosen plan.
  • Prices may change; any change will be notified at least 30 days in advance.
  • Applicable taxes (sales tax, VAT, etc.) are the customer's responsibility where applicable.
  • Payments are non-refundable unless expressly stated or required by law.

4. Payments to your own clients

The Service allows you to connect your own account with the integrated payment processor to charge your end-clients. In that case:

  • The payment relationship is directly between you and your end-client; we act only as a technical facilitator.
  • You are responsible for compliance with the integrated payment processor's terms and with all regulations applicable to your services.
  • We never store full payment card data.

5. Your data and your clients' data

You retain all rights to the data that you or your end-clients upload to the Service ("Your Data"). You grant us a limited, non-exclusive, worldwide license to process this data solely for the purpose of operating the Service.

  • You act as the data controller for personal data of your end-clients.
  • We act as the data processor of that data, in accordance with our Privacy Policy.
  • You are responsible for obtaining all consents and legal bases required to upload and process your clients' data in the Service.
  • You are responsible for compliance with all regulations applicable to your activity (including sector-specific rules where applicable).

6. Third-party services and Google APIs

The Service integrates third-party services (hosting infrastructure, payment processor, transactional email delivery, automated document processing, and external calendar integrations when the user connects them). Use of these integrations is subject to the terms and policies of the respective providers. We are not responsible for failures, policy changes, or outages of third-party services.

Specifically, if you connect a Google account to use Google Calendar integration:

  • You authorize the Service to access, create, update, and delete calendar events on your behalf, and to query free/busy availability, strictly to power the appointment features of the Service.
  • Credit4Ever's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. We do not use Google user data for advertising, we do not use it to train generalized AI/ML models, and we do not sell it. For full details see section 4 of our Privacy Policy.
  • You can disconnect the Google integration at any time from Settings → Availability → Calendar → Disconnect inside the Service or from https://myaccount.google.com/permissions.

7. Acceptable use

You agree not to:

  • Use the Service for illegal or fraudulent activity.
  • Upload content that infringes third-party rights, is defamatory, obscene, threatening, or malicious.
  • Attempt to access data of other tenants or gain unauthorized access to systems.
  • Reverse engineer, decompile, or attempt to extract the Service's source code.
  • Deliberately overload the Service (DoS attacks, abusive scraping, API spam).
  • Use the Service to send spam or unsolicited communications.
  • Resell or sublicense the Service without our written authorization.

Breach may result in immediate suspension or termination of the account.

8. Intellectual property

Credit4Ever, its software, design, logo, trademarks, and content are the exclusive property of Florida Hitech Services Inc or its licensors. These Terms do not grant you any intellectual property rights in the Service other than the limited use license described.

9. Availability and maintenance

We make commercially reasonable efforts to keep the Service available, but we do not guarantee uninterrupted availability. We may perform scheduled maintenance with prior notice when possible. The Service is provided "AS IS" without express or implied warranties beyond those that applicable law does not allow to be excluded.

10. Termination

  • You may cancel your account at any time from the Service settings or by writing to support@credit4ever.com.
  • After cancellation you will lose access to the Service at the end of the current billing period.
  • Your data is deleted or anonymized within 30 days unless the law requires longer retention.
  • We may suspend or terminate your account immediately if you breach these Terms, fail to pay outstanding amounts, or if required by legal process.

11. Limitation of liability

To the maximum extent permitted by applicable law, Credit4Ever and Florida Hitech Services Inc shall not be liable for indirect, incidental, special, consequential, or punitive damages, nor for loss of profits, revenue, data, or business opportunities, arising out of or related to use of, or inability to use, the Service.

Our total aggregate liability arising out of or related to the Service shall in no event exceed the greater of (a) the amounts actually paid by you in the 12 months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (USD 100).

12. Indemnification

You agree to indemnify and hold harmless Florida Hitech Services Inc, its officers, employees, and agents from any claim, damage, loss, or expense (including reasonable attorneys' fees) arising from: (i) your use of the Service, (ii) your breach of these Terms, (iii) your non-compliance with regulations applicable to your services, or (iv) claims by your end-clients related to data you have uploaded to the Service.

13. Governing law and jurisdiction

These Terms are governed by the laws of the State of Florida, USA, without regard to its conflict of laws rules. Any dispute shall be submitted to the competent courts located in the State of Florida, unless applicable law requires another jurisdiction.

14. Changes to the Terms

We may modify these Terms periodically. If the changes are material we will notify you by email or through a prominent notice in the Service at least 15 days in advance. Continued use of the Service after the changes take effect constitutes acceptance of the new Terms.

15. Cookies

The Service uses only strictly necessary cookies to keep your authenticated session and to protect the Google OAuth flow against CSRF. We do not use advertising, marketing, or third-party tracking cookies. A consent banner is displayed on first visit. For full details see section 11 of our Privacy Policy.

16. General provisions

  • Entire agreement: these Terms together with the Privacy Policy constitute the entire agreement between the parties regarding the Service.
  • Severability: if any clause is invalid or unenforceable, the remainder shall remain in effect.
  • No waiver: failure to enforce any provision does not constitute a waiver of the right to enforce it in the future.
  • Assignment: you may not assign these Terms without our written consent; we may assign them freely in the context of a merger, acquisition, or restructuring.

17. Contact