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Terms of Service

Last updated: August 2025

Acceptance of Terms

By accessing and using Credo Chat ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Credo Chat is a web application that provides AI-powered Catholic spiritual guidance, prayers, scripture readings, and religious education resources. The service is designed to support Catholic faith formation and spiritual growth. For more detailed information about our mission, approach to Catholic AI, and how we serve the faithful, please visit our About page.

User Accounts

To access certain features of the Service, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain and update your account information
  • Keep your account credentials secure and confidential
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized use of your account

Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with Catholic teachings. You agree NOT to:

  • Use the Service for any unlawful purpose or activity
  • Transmit content that is offensive, inappropriate, or contrary to Catholic doctrine
  • Harass, abuse, or harm other users
  • Attempt to gain unauthorized access to the Service or other systems
  • Distribute malware, spam, or other harmful content
  • Violate any applicable laws or regulations
  • Impersonate others or provide false information
  • Use automated tools to access the Service without permission

Content and Intellectual Property

The Service contains content owned by Credo Chat, including text, software, scripts, graphics, photos, sounds, music, videos, and other materials. This content is protected by copyright, trademark, and other intellectual property laws.

You retain ownership of content you submit to the Service, but grant us a license to use, modify, and display such content as necessary to provide the Service.

Privacy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information.

Service Availability

We strive to provide reliable service, but cannot guarantee that the Service will be available at all times. We may suspend or terminate the Service for maintenance, updates, or other reasons with or without notice.

Disclaimers

IMPORTANT: The Service provides general spiritual guidance and educational content. It is not a substitute for:

  • Personal spiritual direction from a qualified priest or spiritual director
  • Official Catholic Church teachings and authority
  • Sacramental confession or pastoral care
  • Professional counseling or mental health services
  • Medical or legal advice

The Service is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, error-free, or completely secure.

Limitation of Liability

To the maximum extent permitted by law, Credo Chat shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from your use of the Service.

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason in our sole discretion.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by updating the "Last updated" date. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the United States.

Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: info@muckstack.com
Website: https://credo-chat.com

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.