Terms of Use

These Terms of Use govern your access to and use of kredly.co and the money transfer comparison, currency conversion, provider information, editorial content, and related services made available through the website.

By accessing or using Kredly, you agree to these Terms. If you do not agree, you should not use the website.

1. Who we are

Kredly is operated by KredlyCo, located at Dubai, Marina Plaza, United Arab Emirates.

Kredly is an independent information and comparison service. We are not a bank, payment institution, money transfer provider, foreign exchange broker, financial adviser, or party to any transaction between you and a third-party provider.

You can contact us about these Terms at legal@kredly.co.

2. Eligibility

You may use Kredly only if:

• You are at least 18 years old.

• You have the legal capacity to accept these Terms.

• Your use of the website is permitted under the laws that apply to you.

• You use Kredly for lawful purposes.

If you use Kredly on behalf of a company or another organisation, you confirm that you have authority to accept these Terms on its behalf.

3. What Kredly provides

Kredly provides informational services that may include:

• Comparisons of international money transfer providers.

• Observed exchange rates, fees, markups, payout amounts, and delivery estimates.

• Currency conversion tools and rate history.

• Provider profiles and reviews.

• Country and destination guides.

• Educational and editorial content.

• Comparison methodology and explanatory materials.

Kredly does not open provider accounts, perform identity verification, hold customer funds, initiate transfers, process payments, guarantee delivery, or provide customer support on behalf of a provider.

4. No financial, legal, or tax advice

Information on Kredly is provided for general comparison and educational purposes.

It does not constitute:

• Personal financial advice.

• Investment advice.

• Tax advice.

• Legal advice.

• A recommendation that a particular provider or product is suitable for your circumstances.

• An offer, invitation, or solicitation to enter into a financial transaction.

You are responsible for deciding whether a provider or service is appropriate for you. Obtain professional advice where your circumstances require it.

5. Rates, fees, and comparison information

Money transfer rates, fees, markups, availability, promotions, and delivery times may change at any time.

Information displayed on Kredly may be:

• Live.

• Recently observed.

• Estimated.

• Indicative.

• Delayed.

• Derived from provider information or market data.

A quote displayed on Kredly is not a binding offer. The final quote shown by the provider before you confirm a transaction controls your transaction.

Before sending money, verify:

• The complete transfer fee.

• The provider’s exchange rate.

• The final recipient amount.

• The payment and payout methods.

• The expected delivery time.

• Applicable limits and eligibility requirements.

• Cancellation and refund terms.

• The legal entity and regulator serving your jurisdiction.

Kredly does not guarantee that information will always be complete, current, accurate, or available for every provider, route, currency, amount, or payment method.

6. Rankings and methodology

Kredly may rank money transfer offers using factors such as recipient payout, fees, exchange-rate markup, delivery estimate, or other criteria described in our Comparison Methodology.

Rankings are based on the information available at the time of calculation. A provider ranked first for one amount, destination, or payment method may not be the best option in another situation.

Organic rankings are not determined by affiliate commission. Sponsored placements, if present, are displayed separately and should be clearly labelled.

A ranking does not constitute a personal endorsement, guarantee, or assurance that a provider is suitable for you.

7. Third-party providers

Your relationship and transaction are directly with the third-party provider you choose.

A provider may apply its own:

• Terms and conditions.

• Privacy policy.

• Eligibility requirements.

• Identity verification procedures.

• Transfer limits.

• Pricing and exchange rates.

• Compliance checks.

• Cancellation and refund rules.

• Complaint procedures.

Kredly does not control a provider’s decisions and is not responsible for a provider accepting, rejecting, delaying, cancelling, or changing a transaction.

Any dispute relating to a provider account or money transfer must generally be raised directly with that provider.

8. External and affiliate links

Kredly contains links to third-party websites. Some of these links are affiliate links, which means KredlyCo may receive compensation if you follow a link and complete an eligible action.

Affiliate compensation does not change our organic ranking calculations. Additional information is available in our Affiliate Disclosure.

External websites are operated independently from Kredly. We do not control their content, availability, security, privacy practices, or contractual terms.

A link does not mean that Kredly guarantees or assumes responsibility for the third-party website or service.

9. Provider regulation and protection

Financial regulation, safeguarding arrangements, deposit protection, complaint rights, and consumer protections vary between providers, legal entities, products, and jurisdictions.

A provider brand may operate through different legal entities in different countries. A licence or authorisation in one jurisdiction may not apply to you.

You are responsible for verifying the legal entity, regulator, authorisation status, and protections applicable to your transaction before sending money.

10. Your responsibilities

When using Kredly, you agree to:

• Provide only valid and lawful comparison inputs.

• Review the provider’s final quote before confirming a transaction.

• Verify recipient and payment information directly with the provider.

• Protect your provider account credentials.

• Use official provider websites and applications.

• Comply with applicable laws and provider requirements.

• Avoid sending confidential financial or identity information to Kredly.

Kredly does not need your bank password, card PIN, full card number, identity documents, or provider account password. Do not send this information to us by email.

11. Prohibited use

You must not:

• Use Kredly for unlawful, fraudulent, abusive, or deceptive purposes.

• Attempt to gain unauthorised access to the website, API, servers, or related systems.

• Introduce malware, malicious code, or harmful requests.

• Interfere with the website’s availability, performance, or security.

• Circumvent rate limits, access controls, or other technical protections.

• Submit excessive automated requests or scrape the website in a way that harms the service.

• Copy or republish substantial parts of Kredly without permission.

• Misrepresent Kredly content as your own.

• Use Kredly data to deceive consumers or manipulate financial comparisons.

• Attempt to identify, test, or exploit security vulnerabilities without written authorisation.

Ordinary search engine indexing and other access permitted by our robots.txt file remain allowed, subject to reasonable technical limits.

12. Intellectual property

The Kredly name, branding, interface, design, original text, comparison presentation, software, and other original materials are owned by KredlyCo or used under licence.

These Terms give you a limited, revocable, non-exclusive, non-transferable right to access and use Kredly for personal or internal business information purposes.

You may not reproduce, distribute, sell, license, modify, create derivative works from, or commercially exploit protected Kredly content without prior written permission, except where applicable law expressly permits it.

Provider names, trademarks, and logos belong to their respective owners. Their appearance on Kredly does not transfer ownership to KredlyCo.

13. Availability and changes to the service

We aim to keep Kredly available and accurate, but we do not guarantee uninterrupted access.

We may change, suspend, restrict, or discontinue any part of the website where reasonably necessary, including to:

• Maintain or improve the service.

• Respond to security incidents.

• Comply with legal obligations.

• Protect users or third parties.

• Address unavailable or unreliable data sources.

• Change the providers, countries, currencies, or features we cover.

We are not required to continue publishing a particular provider, route, comparison, or feature.

14. Disclaimer of warranties

To the maximum extent permitted by applicable law, Kredly is provided on an “as is” and “as available” basis.

KredlyCo does not make warranties that:

• The website will always be available, secure, or error-free.

• All information will be complete, accurate, or current.

• A particular provider or offer will remain available.

• A displayed rate or fee will be accepted by a provider.

• A transfer will be completed within an estimated time.

• Use of Kredly will produce a particular financial result.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

15. Limitation of liability

To the maximum extent permitted by applicable law, KredlyCo will not be liable for indirect, incidental, special, consequential, or punitive loss arising from your use of Kredly.

This includes, where legally permitted, loss resulting from:

• Changes in exchange rates or provider pricing.

• A provider rejecting, delaying, cancelling, or misdirecting a transaction.

• Incorrect recipient or payment information.

• Reliance on indicative or outdated comparison information.

• Third-party website availability or security.

• Loss of profits, revenue, opportunity, data, or anticipated savings.

• Unauthorised access caused by circumstances outside our reasonable control.

KredlyCo does not exclude or limit liability where doing so would be unlawful, including liability that cannot be excluded for fraud, wilful misconduct, or other obligations imposed by applicable law.

16. Privacy

Our collection and use of personal information are described in our Privacy Policy.

Do not send sensitive financial information or identity documents to Kredly unless we specifically request information through a secure and authorised process.

17. Changes to these Terms

We may update these Terms to reflect changes to Kredly, our business practices, or applicable legal requirements.

The effective date at the top of this page shows when the Terms were last updated. Updated Terms apply from the date they are published unless a later date is stated.

Your continued use of Kredly after updated Terms take effect means that you accept the revised Terms, to the extent permitted by applicable law.

18. Governing law and disputes

These Terms are governed by the laws of the United Arab Emirates as applicable in the Emirate of Dubai, without prejudice to any mandatory consumer rights that apply in your country of residence.

Any dispute that cannot be resolved informally will be submitted to the courts having competent jurisdiction in Dubai, United Arab Emirates, unless applicable mandatory law requires a different forum.

Before starting formal proceedings, you may contact legal@kredly.co and provide a reasonable opportunity for the issue to be reviewed.

19. General provisions

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply.

A failure by KredlyCo to enforce a provision does not waive the right to enforce it later.

You may not transfer your rights or obligations under these Terms without our written consent. KredlyCo may transfer these Terms as part of a merger, restructuring, financing, or transfer of the business.

These Terms, together with the Privacy Policy and any other terms expressly referenced here, form the agreement between you and KredlyCo regarding your use of Kredly.

20. Contact us

Questions about these Terms may be sent to:

KredlyCo

Dubai, Marina Plaza
United Arab Emirates

Email: legal@kredly.co

Please do not include card details, bank credentials, identity documents, provider passwords, or other sensitive financial information in your message.