Terms and Conditions

Welcome to Credivo. By accessing or using our platform, you agree to be bound by these Terms and Conditions. 1. ACCEPTANCE OF TERMS By registering for or using Credivo services, you accept and agree to these Terms and Conditions in full. 2. ELIGIBILITY You must be at least 18 years of age and a resident of Malaysia to use this platform. 3. ACCOUNT REGISTRATION You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account. 4. POINTS AND REWARDS Points earned through the platform are non-transferable and have no cash value except as redeemed through our official redemption channels. Points may expire as outlined in our Rewards Payment Policy. 5. PROHIBITED ACTIVITIES Users are strictly prohibited from using VPNs, emulators, multiple accounts, or any fraudulent means to earn points. Violation will result in immediate account termination and forfeiture of all points. 6. MODIFICATIONS Credivo reserves the right to modify these Terms and Conditions at any time. Continued use of the platform constitutes acceptance of the updated terms. 7. TERMINATION We reserve the right to suspend or terminate any account that violates these terms without prior notice. Last updated: Please refer to the date below.