Terms of Service

Last updated: March 4, 2026

1. Acceptance

By using World Credit, you agree to these terms. If you don't agree, don't use the app.

2. What World Credit Is

World Credit provides a trust score based on signals you choose to link. It is not a credit bureau, financial advisor, or background check service. Your World Score is an informal trust indicator, not a financial product.

3. Your Account

• You must be at least 13 years old
• You're responsible for your account security
• Don't impersonate others or create fake profiles
• One account per person

4. Your Data

You own your data. We process it to provide the service. See our Privacy Policy for details. You can delete your account and all data at any time.

5. Vouching

When you vouch for someone, you're expressing personal trust. Don't vouch for people you don't know or trust. Fraudulent vouching may result in account suspension.

6. Prohibited Uses

• Gaming or manipulating scores
• Automated access or scraping
• Harassment via vouches or messaging
• Using scores for employment or housing discrimination

7. Disclaimer

World Credit is provided "as is." We don't guarantee accuracy of scores or availability of the service. We're not liable for decisions made based on World Credit scores.

8. Changes

We may update these terms. Continued use after changes constitutes acceptance.

9. Contact

Questions? Email legal@worldcredit.app