Terms and Conditions

Last updated: 13 May 2026

Agreement to Terms

By accessing this platform, you agree to be bound by these Terms and Conditions. If you do not agree, please terminate use immediately.

Services Provided

HappyKredits offers credit health consultation and professional guidance for business licenses. We act as an independent consultant and do not represent any government agency or credit bureau.

User Obligations

You must provide true, accurate, and current information during registration. You are responsible for maintaining the confidentiality of your account credentials. You explicitly authorize us to fetch credit reports on your behalf for analysis.

Limitation of Liability

Our services are provided on an "as-is" basis. We are not liable for any delays or failures caused by third-party providers or credit bureaus.