Effective Date: December 29, 2025
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CredFlow AI ("CredFlow," "we," "us," or "our") governing your access to and use of the CredFlow medical credentialing software platform, including all related AI-powered services, features, and functionality (collectively, the "Services").
By accessing, registering for, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Services.
If you are entering into these Terms on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and all references to "you" shall refer to both you individually and the organization.
CredFlow provides AI-powered medical credentialing software and services designed to streamline healthcare provider credentialing, payer enrollment, and compliance monitoring. Our Services include but are not limited to:
You must be at least 18 years of age and have the legal capacity to enter into binding contracts to use our Services. Our Services are intended for use by healthcare organizations, credentialing professionals, and authorized individuals involved in medical credentialing and enrollment processes.
To access certain features of the Services, you must create an account. You agree to:
Registration for our waitlist does not guarantee access to the Services. We reserve the right to accept or decline any waitlist registration at our sole discretion.
You may use the Services solely for lawful purposes related to healthcare credentialing, provider enrollment, and compliance management. You agree to use the Services in compliance with all applicable federal, state, and local laws and regulations, including but not limited to HIPAA, the No Surprises Act, and other healthcare privacy and security requirements.
You agree not to:
The Services, including all software, technology, content, trademarks, logos, and intellectual property, are owned by CredFlow or its licensors and are protected by United States and international copyright, trademark, patent, and other intellectual property laws. All rights not expressly granted herein are reserved.
Subject to your compliance with these Terms, CredFlow grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for your internal business purposes related to credentialing and enrollment activities.
You retain ownership of all data, information, and content you submit to the Services ("User Content"). By submitting User Content, you grant CredFlow a worldwide, royalty-free, non-exclusive license to use, process, store, and display such content solely to provide and improve the Services. You represent and warrant that you have all necessary rights to grant this license.
If you provide suggestions, ideas, or feedback about the Services, CredFlow may use such feedback without any obligation to you, including for product improvements and development.
To the extent that CredFlow creates, receives, maintains, or transmits Protected Health Information (PHI) on your behalf, CredFlow shall function as a Business Associate under HIPAA. The parties shall enter into a separate Business Associate Agreement (BAA) that governs the use and disclosure of PHI.
CredFlow implements administrative, physical, and technical safeguards designed to protect the confidentiality, integrity, and availability of your data in accordance with HIPAA Security Rule requirements. However, no security measures are completely impenetrable, and we cannot guarantee absolute security.
You are responsible for:
Access to certain features of the Services may require payment of subscription fees. Fees are specified in your service agreement or order form and are subject to change with advance notice.
You agree to pay all applicable fees on the payment schedule specified in your agreement. Fees are non-refundable except as expressly stated in your service agreement. Late payments may result in service suspension and assessment of late fees.
All fees are exclusive of applicable taxes, duties, and governmental charges. You are responsible for paying all such charges except for taxes based on CredFlow's net income.
We strive to maintain high availability of the Services but do not guarantee uninterrupted or error-free operation. We may perform scheduled maintenance and experience unplanned downtime. We will provide reasonable notice of scheduled maintenance when possible.
Support services are provided according to the terms specified in your service agreement. Standard support includes email assistance at hello@credflow.ai. Additional support options may be available based on your subscription level.
We reserve the right to modify, update, or discontinue features of the Services at any time. We will provide reasonable notice of material changes that negatively impact functionality.
The Services utilize artificial intelligence and machine learning technologies to automate credentialing workflows. While our AI is designed to improve efficiency and accuracy, you acknowledge and agree that:
The Services may integrate with third-party systems, including payer portals, verification databases, and other healthcare technology platforms. We are not responsible for:
Your use of third-party services through our platform is subject to the applicable third-party terms and conditions.
We warrant that the Services will perform substantially in accordance with our documentation under normal use. This warranty does not cover issues caused by misuse, unauthorized modifications, or third-party systems.
EXCEPT AS EXPRESSLY PROVIDED IN SECTION 11.1, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDFLOW DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
The Services do not provide legal, medical, or professional advice. You should consult qualified professionals for advice specific to your circumstances. CredFlow is not responsible for decisions made based on information from the Services.
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
CREDFLOW SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, REVENUE, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING FROM OR RELATED TO:
CREDFLOW'S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO CREDFLOW DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.
THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE).
Some jurisdictions do not allow exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless CredFlow, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
This indemnification obligation survives termination of these Terms.
These Terms commence when you first access the Services and continue until terminated as provided herein.
You may terminate your account at any time by contacting us at hello@credflow.ai. Upon termination, you remain responsible for any fees incurred prior to termination.
We may suspend or terminate your access to the Services immediately, without prior notice, if:
Upon termination:
Upon request made within thirty (30) days of termination, we will provide reasonable assistance in retrieving your data, subject to technical feasibility and applicable fees. After this period, we may delete your data in accordance with our data retention policies.
Before initiating formal dispute resolution, you agree to contact us at hello@credflow.ai to attempt to resolve the dispute informally. We will work in good faith to resolve disputes through direct negotiation.
If informal resolution is unsuccessful, any dispute arising from or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator and shall take place in the state where CredFlow's principal office is located, unless otherwise agreed.
YOU AND CREDFLOW AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION. You and CredFlow waive the right to participate in any class action or class-wide arbitration.
Either party may seek injunctive or equitable relief in court to prevent unauthorized use of intellectual property or confidential information. Small claims court proceedings are also exempt from the arbitration requirement if they meet jurisdictional requirements.
These Terms shall be governed by and construed in accordance with the laws of the state in which CredFlow's principal office is located, without regard to conflict of law principles.
These Terms, together with any service agreement, Business Associate Agreement, and our Privacy Policy, constitute the entire agreement between you and CredFlow regarding the Services and supersede all prior agreements and understandings.
We may modify these Terms at any time by posting the updated Terms on our website and notifying you via email or through the Services. Your continued use of the Services after the effective date of modifications constitutes acceptance of the updated Terms. Material changes will be communicated with at least thirty (30) days' notice.
You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. Invalid provisions shall be modified to the minimum extent necessary to make them enforceable while preserving their intent.
No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision.
Neither party shall be liable for failure to perform obligations due to circumstances beyond reasonable control, including natural disasters, acts of war, terrorism, labor disputes, governmental actions, or failures of third-party services, provided reasonable efforts are made to minimize impact.
The parties are independent contractors. These Terms do not create a partnership, joint venture, employment, or agency relationship.
The Services and underlying technology may be subject to U.S. export control laws. You agree to comply with all applicable export and import laws and regulations.
If you are a U.S. government entity, the Services are provided as "commercial computer software" and "commercial computer software documentation" with restricted rights as defined in applicable federal acquisition regulations.
These Terms are drafted in English. Any translations are provided for convenience only. In the event of conflicts between versions, the English version controls.
For questions, concerns, or notices regarding these Terms, please contact:
CredFlow AI
Email: hello@credflow.ai
Legal Department: legal@credflow.ai
Website: www.credflow.ai
For Business Associate Agreement requests or HIPAA-related matters, please contact: hipaa@credflow.ai
Last Updated: December 29, 2025
By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.