Terms of Service

1. Acceptance of Terms

By accessing or using the Anchor Credit platform at anchorcredit.co (“Platform”), you agree to be bound by these Terms of Service (“Terms”). If you are using the Platform on behalf of a business, you represent that you have authority to bind that business to these Terms. If you do not agree to these Terms, do not use the Platform.

2. Description of Service

Anchor Credit provides a digital credit application platform that enables supply houses to collect, manage, and review trade credit applications submitted by contractors. Anchor Credit is a technology platform only and does not make credit decisions on behalf of supply houses. All credit decisions remain the sole responsibility of the supply house.

3. SMS Messaging Program

Anchor Credit uses SMS to send one-time verification codes to contractors during the application process. By providing your phone number on an Anchor Credit-powered application form, you consent to receive a one-time SMS verification code from Anchor Credit.

• Program name: Anchor Credit Verification
• Message frequency: One message per verification request. You will only receive a message when you initiate a verification.
• Message and data rates may apply. Check with your wireless carrier for details.
• To opt out, reply STOP to any message from us.
• For help, reply HELP or contact us at support@anchorcredit.co.

4. Account Registration (Supply Houses)

Supply houses must create an account to use the Platform. You agree to provide accurate, complete information during registration and to keep your account credentials secure. You are responsible for all activity that occurs under your account. Notify us immediately at support@anchorcredit.co if you suspect unauthorized access.

5. Contractor Applications

Contractors who submit credit applications through the Platform represent that all information provided is accurate and complete. Submitting false or misleading information may constitute fraud. Anchor Credit reserves the right to terminate access for any user who provides false information.

6. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Platform
• Interfere with or disrupt the Platform or its infrastructure
• Submit false, misleading, or fraudulent information
• Use automated tools to scrape or extract data from the Platform without permission

7. Intellectual Property

All content, design, and functionality of the Platform is owned by Anchor Credit and protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any part of the Platform without our written permission.

8. Disclaimer of Warranties

The Platform is provided “as is” without warranties of any kind, express or implied. Anchor Credit does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components. Anchor Credit is not responsible for credit decisions made by supply houses using the Platform.

9. Limitation of Liability

To the maximum extent permitted by law, Anchor Credit shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of the Platform. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your access to the Platform at any time for violations of these Terms or for any other reason at our discretion. You may cancel your account at any time by contacting support@anchorcredit.co.

11. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict of law provisions.

12. Changes to These Terms

We may update these Terms from time to time. We will notify active users of material changes via email. Continued use of the Platform after changes constitutes acceptance of the updated Terms.

13. Contact Us

For questions about these Terms, contact us at:
Email: support@anchorcredit.co
Website: anchorcredit.co