Terms of Use – Credit When

Updated on November 23, 2023

PANDALABS INC, a distinguished Canadian Limited Liability Company (LLC), is situated at 75 Dufflaw Road, Unit 204, Toronto, ON M6A 2W4, Canada. The company, registered under number 75759 5707RC0001, is the proud founder and proprietor of the financial resource website, Credit When, which can be visited at https://creditwhen.com.

Operated directly by Credit When, this website stands as a comprehensive hub for users who adhere to the outlined terms, conditions, and policies. The terms “we,” “us,” and “our” within this context refer exclusively to Credit When. Visitors and users of our website are engaging with the broad array of “Services” we offer.

As a digital platform, Credit When specializes in developing insightful and analytical content. It provides a wealth of information on a variety of financial products and services, including credit cards, loan options, financial education resources, and much more, catering to both local and international financial landscapes.

The privacy practices of Credit When are meticulously described in its Privacy Policy, available for review at https://creditwhen.com/privacy/. This policy, in harmony with applicable laws, guides users on the proper usage of the website.

The Terms and Conditions of Use of Credit When are designed to comprehensively outline the responsibilities, duties, and obligations expected of users when they access or utilize the website, as elaborated in the sections that follow.


Article I – User Acceptance

1.1 Accessing Credit When is an indication of users’ consent to abide by its Terms and Conditions of Use and Privacy Policy.

1.2 Users confirm their legal capacity and minimum age requirement of 18 years when engaging with Credit When, agreeing to the stipulated Terms and Conditions of Use.

1.3 Users not meeting these criteria, or who disagree with these terms wholly or in part, are advised against utilizing the services and resources provided by Credit When, including its website.

Article II – Contact

2.1 Credit When offers dedicated channels for communication, addressing user inquiries, resolving issues, handling complaints, or collecting feedback related to its products and services.

2.2 For correspondence, users are welcome to contact us at [email protected] or utilize the contact form located at https://creditwhen.com/privacy/.

Article III – Party Obligations

3.1 Users are obligated to fully comprehend and agree with all aspects of the Terms and Conditions of Use and Privacy Policy when using services or products offered by Credit When.

3.2 Credit When may provide links to external websites for services or product procurement, without direct involvement in these external engagements.

3.3 Users redirected to external third-party websites must agree to abide by the terms and privacy policies of those sites.

3.4 Credit When is not responsible for the terms, privacy policies, or the content related to services/products of external entities advertised on its platform.

3.5 Credit When disclaims any liability for damages caused by viruses or malware due to internet usage or data transfers, emphasizing user responsibility for maintaining robust system security and antivirus measures.

3.6 Credit When is not accountable for any losses or damages incurred from improper use of its website or from unforeseen circumstances.

3.7 Credit When does not engage in soliciting deposits or transfers as a condition for the approval of any financial products.

3.8 Credit When advises users to be cautious of emails seeking data confirmation or containing attachments. Such suspicious communications should be immediately reported to [email protected].

Article IV – Restricted Usage

Strictly forbidden on the site are activities such as:

  • Engaging in or promoting unlawful acts;
  • Violating any legal or regulatory standards;
  • Infringing intellectual property rights;
  • Engaging in harassment, defamation, discrimination, or intimidation based on personal characteristics;
  • Disseminating false or misleading information;
  • Transmitting harmful computer codes;
  • Unauthorized collection of third-party personal data;
  • Involvement in spam, phishing, or similar fraudulent practices;
  • Conducting immoral or obscene acts;
  • Circumventing established security measures.

Violating these prohibitions may culminate in the termination of access to the services offered by Credit When.

Article V – Limitations on Liability and Warranties

At Credit When, we cannot assure continuous, secure, or flawless operation of our services, nor can we vouch for the precision or reliability of results derived from their use. Be aware that our services may be subject to suspension or cessation at any time without prior notice.

Your engagement with our services is at your sole risk. We provide our services and associated products ‘as is,’ devoid of any explicit or implicit warranties. This includes, but is not limited to, no assurances of marketability, fitness for a particular purpose, enduring quality, legal conformity, or avoidance of infringement.

Credit When, along with its staff, associates, agents, contractors, service providers, or licensors, assumes no responsibility for any type of loss, damage, claim, or injury, be it direct or indirect, incidental, punitive, special, or consequential. This includes, but is not limited to, loss of profits, income, savings, data, or replacement costs, arising from your use of our services or products, or any related claims, including those due to content inaccuracies or any damages resulting from the usage of any service or product we offer.

Article VI – Duration and Legal Time Frame

The Terms and Conditions of Use for Credit When are designed to be permanently applicable. Any legal or administrative actions linked to the use of Credit When or its Privacy Policy must be initiated within 90 days following the incident that gave rise to such claims.

Article VII – Jurisdiction and Applicable Law

7.1 The interpretation of these Terms and Conditions of Use, along with the Privacy Policy, is governed by Federal Laws, the Civil Code, as well as consumer protection and data protection statutes.

7.2 In resolving any disputes pertaining to these Terms and the Privacy Policy, all parties agree to submit exclusively to the jurisdiction of the Ontario Chamber of Commerce (OCC), foregoing any other legal venues.

Article VIII – Intellectual Property and Content Ownership

8.1 Content Rights

The content of the Credit When website, under the ownership of PANDALABS INC or its partners, is protected by copyright and intellectual property rights. Any duplication, alteration, distribution, publication, display, broadcasting, or creation of derivative works without explicit permission from the rightful owners is strictly forbidden.

8.2 Exemption from Liability

Credit When disclaims responsibility for any content generated by third parties, such as comments, forum discussions, or social media activity. Moreover, Credit When is not liable for any direct or indirect damages or losses incurred due to the use of its website.

8.3 Handling Content Infractions

Credit When maintains the right to delete any content that violates these terms, including illegal, offensive, or defamatory materials, or content infringing upon third-party intellectual property rights. PANDALABS INC reserves the right to terminate user accounts for such infractions.

Article IX – Terms and Conditions Amendments

Credit When reserves the right to alter or discontinue any aspect of its services at its discretion, without prior or following notice, and bears no liability for any such modifications, suspensions, or discontinuations.


Article X – Contact Information

For inquiries or feedback regarding our services, feel free to contact Credit When at [email protected], or utilize our contact form available at https://creditwhen.com/privacy/.