Terms of Service

Last updated on: 12.06.2025

1. Preamble

These Terms of Service (“Terms”) govern your use of the website www.kredium.org (“Website”), which is owned and operated by Kredium. By accessing or using this Website, you agree to comply with and be legally bound by these Terms. If you do not agree, please do not use the Website.

This Website provides an overview of Kredium's global activities and links to separate, country-specific platforms. Any services, transactions, or business relationships are governed by the individual Terms of Service and Privacy Policies available on those platforms (e.g., kredium.com, kredium.ae, kredium.rs, kredium.io), and may include additional terms specific to the jurisdiction.

2. Key Terms and Definitions

"Kredium", "we", "us", or "our" refers to the Kredium company operating internationally.
"Website" or "Site" means the global informational website located at https://www.kredium.org.
"Country-Specific Websites" refers to local platforms such as kredium.com, kredium.ae, kredium.rs, and kredium.io, each governed by its own terms.
"Content" refers to all text, images, graphics, videos, documents, or other materials made available on or through this Website.
"You" or "User" means any person who accesses or uses this Website for informational purposes.
"Terms" means this Terms of Service agreement, including any future updates or amendments.

3. Use of the Website

You agree to use this Website solely for informational and lawful purposes. You may not:

Violate any applicable laws or regulations;
Attempt to gain unauthorized access to the Website or its underlying infrastructure;
Interfere with the functionality, security, or accessibility of the Website.

If you choose to submit your CV or other personal information through the Website’s Careers page, you do so voluntarily. By submitting your CV, you acknowledge and agree that Kredium may process this information for recruitment and hiring purposes. Submission does not create any obligation for Kredium to offer employment or provide feedback on the application.

4. Intellectual Property Rights

All intellectual property rights in the Website, including but not limited to text, images, graphics, logos, software, and layout, are the exclusive property of Kredium or its licensors. Unauthorized use, copying, reproduction, or distribution of any part of the Website is strictly prohibited without prior written permission.

5. Third-Party Links and Country-Specific Terms

This Website may include links to other websites, including Kredium’s operational platforms and external third-party services. Each of these websites is subject to its own Terms of Service and Privacy Policy. Kredium.org is not responsible for the accuracy, legality, or content of any linked external sites.

6. No Financial or Legal Advice

The content of this Website is provided for general informational purposes only and does not constitute legal, financial, investment, or professional advice. You should consult qualified advisors before making any decisions based on the information provided.

7. Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis. Kredium does not guarantee that the Website will be uninterrupted, error-free, or up to date. No warranties of any kind, whether express or implied, are made regarding the accuracy, completeness, or reliability of the information provided.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Kredium shall not be liable for any damages, including but not limited to indirect, incidental, special, or consequential damages, arising out of or related to your use of or inability to use the Website.

9. Confidentiality

9. This Website is not intended to process or receive confidential information. Do not submit sensitive or proprietary data through public channels. Any necessary business discussions involving confidential data should occur through appropriate and secure contact points.

10. Modifications to the Terms

Kredium reserves the right to amend these Terms at any time. Updated versions will be posted on this page with the latest revision date. Continued use of the Website following such changes indicates your acceptance of the updated Terms.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of the jurisdiction in which Kredium is headquartered. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent possible and the remaining provisions shall remain in full force and effect.

13. Contact Information

For questions or concerns regarding these Terms, please contact us at:
Kredium
Email: info@kredium.org
Website: https://www.kredium.org