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Cyber Credit

Terms of Use

Last updated: 12 December 2017

Cyber Credit is a world class financial hub for community members around the globe to build trust and credit to do business with each other. Cyber Credit believes the ideal state of any economy, whether big or small, is the balance between centralization and decentralization. Too much of one or another will cause inefficiency in the economy. Centralization brings orders but lacks of freedom while decentralization provides more freedom and chaos. Cyber Credit Bureau is created based upon this simple concept. In regards to decentralization, this platform will enable users to vouch and rate any community member for their behavior of any financial transactions they make, whether through our P2P lending program or direct purchases of goods and services with our merchant networks. In regards to centralization, Cyber Credit Bureau will have a sophisticated credit rating system in place to verify each of our members to help them build a trustworthy profile. Once all the necessities have been met, each member will have their own credit score and provided with a Cyber Credit Bureau Visa/Master card.

Our mission is to entrust people financially, and to make the world becomes better. Our vision is vividly clear and it fits into 3 categories: Community, Trust worthiness, Cyber Credit Bank (See White Paper). To archive this purpose, members are demanded to be honest, respect each other, and required to read, fully understand, and agree to the Terms of Use described in the following sections.


These terms of use govern your use of Cyber Credit corp. websites (the Website) and mobile and desktop applications (the Apps) and other services provided by Cyber Credit (the Services).

The Terms of Use, together with our Privacy Policy and any other terms specifically referred to in any of those documents, constitute a legally binding agreement (the Agreement) between you and Cyber Credit in relation to your use of the Website, Apps and Services (together, the Platform).

Terms of Use Acceptance

Please read the Terms of Use and Privacy Policy very carefully. If you do not agree to any of the parts of those documents, you should not use the Platform (the Website, Apps or any of the Services). By visiting, viewing, accessing or using the Platform, registering an account, or by copying any information or content from or to the Platform, you acknowledge and warrant that you have read and understood the Terms of Use and Privacy Policy. If you are 13 years of age or less, you acknowledge and have your parent(s)’ or legal guardian(s)’ permission to use the Platform.

Terms of Use Changes

We reserve the right to change, alter, replace or otherwise modify these Terms of Use at any time. The date of last modification is stated at the end of these Terms of Use. It is your responsibility to check this page from time to time for updates.

When we make changes to the Terms of Use, we will recap the updates on the Website and/or our support channels and social media pages, such as facebook and telegram groups, twitter and slack announcement. In addition, if you register an account and accept to receive news/updates from our Platform, we might notify you in advance by sending a message to your Cyber Credit account and/or an email to the provided email address. Your continued use of the Platform implies your acceptance of the revised Terms of Use.

The Platform’s updates and upgrades

We may, from time to time, release new features new services of the Platform, tools and resources on the Website, new versions, coin and token wallets of the Apps. Any new services and features when released will be subject to the Terms of Use. Again, your responsibility to check this page for updates.

Your Cyber Credit account

When you register to use the Platform, you will provide us with your email address, and will choose a username and password for your account. You must ensure that the email address that you provide is, and remains, valid. You acknowledge that you are the only owner of the email address. You are solely responsible for maintaining the confidentiality and security of your username and password, and you will remain responsible for all use of your username and password, and all activity emanating from your account, whether or not such activity was authorized by you.

If your username or password is lost or stolen, or if you believe that your account has been accessed by unauthorized third parties, you are advised to notify Cyber Credit at the earliest possible opportunity.

We reserve the right to disallow, cancel, remove or reassign certain usernames and permalinks in appropriate circumstances, as determined by us in our sole discretion, and may, with or without prior notice, suspend or terminate your account if activities occur on that account which, in our sole discretion, would or might constitute a violation of the Terms of Use.

No Solicitation or Advice

Neither this website nor any of its contents shall constitute a recommendation, solicitation or offer to buy or sell any securities, assets or other financial instruments or provide any investment advice or service. The information contained in the Website has been prepared without reference to any particular user's investment requirements or financial situation.

The information and services provided on the Website are not provided to, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority.

You acknowledge that you are not relying on the Cyber Credit or any of its affiliates, or consultants in making an investment decision. Always consider seeking the advice of a qualified professional before making decisions regarding your business and/or investments. Cyber Credit does not endorse any investments and shall not be responsible in any way for any transactions you enter into with other members. You agree that the Cyber Credit and its affiliates, or consultants will not be liable for any loss or damages of any sort incurred as a result of any interactions between you and other Cyber Credit members.

Platform, account, and pricing changing

Cyber Credit reserves the right at any time and for any reason to suspend, discontinue, terminate or cease providing access to the Platform or any part thereof, temporarily or permanently, and whether in its entirety or with respect to individual territories only. In the case of any temporary or permanent suspension, discontinuation, termination or cessation of access, Cyber Credit shall use its reasonable endeavors to notify registered users of such decision in advance. Users also have the right to appeal the decision.

Cyber Credit may change the features of any type of account, may withdraw or, or introduce new features, products or types of account at any time and for any reason, and may change the interest rate from time to time.


Virtual currencies, such as Bitcoin (BTC) and Ethereum (ETH), might not be legalized and they yet to be backed by your government. Buying, selling, and exchanging coins and tokens (such as Bitcoin, and Cyber Credit Coin, Cyber Credit Token) might not be protected by law enforcement, financial institution, and government. You have to act on your own risk,

Transactions in virtual currencies such as Bitcoin and Ethereum are irreversible, and accidental transactions may not be recoverable. The volatility and unpredictability of the price of virtual currencies relative to the fiat currency may result in significant loss over a short periods of time. The Cyber Credit Coin and Cyber Credit Token are no different.

Cyber Credit try to maximize the revenue for members by optimizing our volatility software and trading bot. However, there is still small chance that we make a loss because of technical or algorithm issues.

Difficulties and and value of the crypto currency that we are mining are increasing over time. Mining is still showing profitable from time to time, however, there can be a sudden drop in asset value that we are holding.

In lending, interest, income, and benefit are calculated in USD, the most stable fiat currency, not any other crypto currency. Members agree that they cannot terminate the contract before the Capital Back schedule. The daily profit is calculated as daily-basis; we can estimate in a price range, not a guaranteed number.

Cyber Credit reserves the right to change to the lending interest, credit rating algorithm, and scoring system. Cyber Credit also reserves the right to apply new rules for lending.