Welcome to Credoworks. These Terms of Service ("Terms") govern your access to and use of the Credoworks website at credoworks.net and our mobile applications (collectively, the "Services"). Please read these Terms carefully before using the Services.

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Services.

1. Acceptance of Terms

By creating an account, downloading our applications, or otherwise using the Services, you confirm that you are at least 13 years of age (or the minimum age required in your jurisdiction) and that you have read, understood, and agree to these Terms.

2. Description of the Services

Credoworks develops and operates mobile applications and digital tools designed to support the sacramental, devotional, and formational life of Catholic individuals and communities. We may add, modify, or discontinue features and applications at any time without prior notice.

3. User Accounts

Some features of the Services may require you to create an account. You agree to:

4. License and Intellectual Property

Subject to your compliance with these Terms, Credoworks grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

All content, features, and functionality of the Services — including text, graphics, logos, icons, images, audio, software, and the design and arrangement thereof — are the exclusive property of Credoworks or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Services or any portion thereof, except as expressly permitted by these Terms or applicable law.

5. User Conduct

You agree not to use the Services to:

6. User-Generated Content

Certain features of the Services may allow you to create, store, or share content (such as journal entries, reflections, or prayer intentions). You retain ownership of any content you create. By submitting content through the Services, you grant Credoworks a limited license to host, store, and display that content solely as necessary to provide the Services to you.

You are solely responsible for the content you create and represent that you have all necessary rights to the content you submit.

7. Religious Content Disclaimer

Pastoral guidance. The content provided through our Services — including reflections, prayers, examinations of conscience, and devotional materials — is offered as a digital aid to personal faith and practice. It is not a substitute for the ministry of the Church, the guidance of clergy, the celebration of the sacraments, or sound spiritual direction. For matters of conscience, doctrine, or sacramental practice, please consult with a priest or qualified Catholic minister.

8. Third-Party Services and Links

The Services may contain links to third-party websites or services that are not owned or controlled by Credoworks. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party services. Your use of such third-party services is at your own risk.

9. Subscriptions and Purchases

Some features of our applications may be offered on a paid or subscription basis. All purchases are processed through the applicable platform (such as the Apple App Store) and are governed by that platform's terms. Subscription renewals, cancellations, and refunds are subject to the policies of the platform through which the purchase was made.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

CREDOWORKS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CREDOWORKS, ITS AFFILIATES, OFFICERS, EMPLOYEES, OR AGENTS 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 ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Credoworks and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of another party.

13. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of law principles. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last updated" date at the top of these Terms and, where appropriate, provide additional notice. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.

16. Contact Us

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

Credoworks
Email: support@credoworks.net
Website: credoworks.net