1. Who we are.
CreditMark.io is operated by CG Cred Holdings Inc., a Delaware corporation, doing business as CreditMark, 500 West 23rd St. Unit 6E, New York, NY 10011 ("CreditMark," "we," "us"). These Terms of Service ("Terms") govern your use of creditmark.io, lender.creditmark.io, and the CreditMark APIs and services (together, the "Service"). By creating an account or using the Service you agree to these Terms on your own behalf and on behalf of the business or institution you represent, and you confirm you have authority to do so.
2. What the Service is.
CreditMark lets a business compute a credit credential from its own financial information — a 0–100 score plus a Momentum signal — and share that credential with lenders it chooses. Lender accounts receive credentials that businesses share with them, together with standardized analysis tools.
3. What the Service is not.
CreditMark is a commercial decision-support tool. CreditMark is not a consumer reporting agency, and nothing in the Service is a "consumer report" under the Fair Credit Reporting Act. CreditMark does not make, arrange, or guarantee loans, does not provide financial, legal, or investment advice, and does not make credit decisions. Any decision to extend or deny credit, and all regulatory obligations connected to that decision, remain solely with the lender.
4. Your data and your attestation.
Credentials are computed from information you provide. When you submit financial statements, bank statements, or manually entered figures, you attest that they are true, complete, and accurate records of your business. CreditMark does not audit your inputs; a credential is only as accurate as the information behind it. We may decline, suspend, or withdraw credentials derived from information we reasonably believe to be false or misleading.
5. Credentials and sharing.
A credential is a snapshot: it reflects the information submitted at the time it was computed and is not updated until you create a new one. You control who receives a credential. When you share a credential with a lender, by share link or by email, the share includes the financial information behind it: the statements and figures you entered or reviewed, laid out in standardized form, and the original financial statement, debt schedule and bank statement files you uploaded. Lenders with a CreditMark account can view and download that information for as long as the share is active, and may retain copies of what they lawfully received while it was active. By sharing a credential you consent to this disclosure for that credential. Share links can be revoked by you at any time; revocation is permanent for that link.
6. Accounts.
Keep your login credentials confidential and current. You are responsible for activity under your account. Business accounts must be operated by an owner or authorized administrator of the business; lender accounts by authorized personnel of the institution.
7. Acceptable use.
You agree not to: misrepresent your identity or business; submit information belonging to another business without authority; attempt to reverse-engineer, scrape, or extract CreditMark's scoring methodology, band thresholds, or calibration data; probe, disrupt, or overload the Service; or use the Service in violation of applicable law, including fair-lending law.
8. Fees and payment
A new credential costs $249, charged when you check out. Credential fees are non-refundable. Each credential includes an annual refresh at $199 per year, charged to the card on file. The first refresh is billed one month before your credential's first anniversary so the new one is ready on time, and every 12 months after that. We email a reminder at least 30 days before each renewal. You can cancel the refresh at any time from Billing in your account. Cancellation takes effect at the end of the current term. Bank-sponsored credentials are free to the business for the first credential only. A Lender Packet, a downloadable PDF of your credential, spreads, summary and uploaded documents, costs $29 per credential and is non-refundable. The annual refresh still applies. Prices may change for future purchases. Current customers keep the price they signed up at for the current term.
Payments are processed by Stripe; we do not store card numbers.
9. Intellectual property.
CreditMark owns the Service, including its software, scoring methodology, reason-code system, designs, and trademarks (CREDITMARK, application filed, Cl. 036). You own the business information you submit. You grant CreditMark a license to process that information to operate the Service — to compute credentials, display them to those you authorize, and maintain and improve the Service, including improving scoring calibration in de-identified, aggregated form.
10. Disclaimers.
The Service is provided "as is" and "as available." CreditMark makes no warranty that a credential will result in credit approval, that the Service will be uninterrupted or error-free, or that any score, signal, or reason code is suitable for any particular purpose.
11. Limitation of liability.
To the maximum extent permitted by law, CreditMark's total liability arising out of the Service will not exceed the greater of the amounts you paid CreditMark in the twelve months before the claim or one hundred U.S. dollars ($100). CreditMark is not liable for indirect, incidental, consequential, or punitive damages, or for decisions any lender makes or declines to make.
12. Indemnification.
You will indemnify CreditMark against claims arising from information you submitted, your breach of these Terms, or your violation of law.
13. Termination.
You may close your account at any time. We may suspend or terminate accounts that violate these Terms. Sections 3, 9, 10, 11, 12, and 14 survive termination.
14. Governing law.
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in New York County, New York, and you consent to their jurisdiction.
15. Changes.
We may update these Terms; material changes will be posted on this page with an updated date, and continued use of the Service constitutes acceptance.
16. Intellectual Property Notice
© 2026 CreditMark. All rights reserved. CreditMark's credential lifecycle, scoring methodology, and related systems are the subject of one or more pending United States patent applications. CREDITMARK and the CreditMark logo are trademarks of CreditMark; United States trademark applications have been filed in International Classes 035 and 036. Unauthorized use of the CreditMark platform, methodology, marks, or content is prohibited.
17. Contact.
CG Cred Holdings Inc., a Delaware corporation, doing business as CreditMark, 500 West 23rd St. Unit 6E, New York, NY 10011 · hello@creditmark.io