Terms and Conditions

1. General Provisions

Welcome to BillMate (hereinafter referred to as the "Application", "we", "us"). As a professional credit card management application, we provide users with credit card services and related financial management functions (the "Service"). By using this Application, you confirm that you have carefully read, fully understood, and agree to abide by the following terms and conditions. Your right to use this Application is personal and non-transferable.

2. User Eligibility and Responsibilities

2.1 Eligibility Requirements

To ensure the security, stability, and legality of our services, all users must meet the following conditions:

• Civil Capacity: Be a natural person aged 18 or older with full legal capacity to enter into contracts, or a minor using the Application under the supervision and consent of a legal guardian.
• Lawful Residency: You must be a legal resident in a region where the Application's services are available.
• Valid Contact Information: You must provide a valid mobile phone number and email address for account verification and communication.
• Agreement Compliance: You must agree to and comply with all terms and conditions outlined herein.

2.2 Account Responsibilities

You are solely responsible for all activities associated with your BillMate account. You must take reasonable measures to protect the confidentiality of your account information, including passwords and linked credit card details. All registration information you provide must be true, accurate, and complete.

If you provide incorrect or incomplete information, or if you violate any platform agreements (such as improper use of our services), we reserve the right to terminate your account, delete your data, and restrict your access to the platform without prior notice.

3. Account Registration and Management

3.1 Registration Information

To use BillMate, you must register and maintain a valid account. During registration, you are required to provide:

• Account Credentials: A username, password, and a valid email address.
• Credit Card Information: Relevant details of the credit card(s) you wish to manage, in accordance with regulatory requirements.

The use and protection of this information are detailed in our Privacy Policy, available at: https://www.billmatecredit.com/privacy-policy.

3.2 Account Security

You are responsible for managing your account credentials and linked credit card information securely and confidentially. You should limit access to your login devices to prevent unauthorized use.

If you suspect any security issues with your password, unauthorized access to your account, or potential misuse of linked credit card information, you must notify us immediately at business@billmatecredit.com.

4. Privacy and Information Use

To provide high-quality and personalized credit card services, this Application collects necessary information as outlined in our Privacy Policy. The use of this information strictly adheres to our Privacy Policy, which you can review in full at https://www.billmatecredit.com/privacy-policy.

5. Permissions and Use Restrictions

We grant you a limited, non-transferable license for the personal use of the BillMate service. Without our explicit written consent, the following actions are strictly prohibited:

• Unauthorized downloading of platform materials (except for standard browser caching).
• Modifying, reverse-engineering, or decompiling any part of the platform, especially functions related to data security.
• Using data-mining tools, robots, or similar automated methods to collect platform data.
• Reselling platform content, using it for commercial purposes, or sharing your account information with third parties.
• Copying, selling, or distributing any platform content for unauthorized commercial activities.

Unauthorized use of the Application will result in the immediate termination of this license.

6. Service Provision, Suspension, and Termination

6.1 Service Provision

Our service is normally available 24/7 but may be adjusted or temporarily unavailable due to technical or operational needs, such as system maintenance for service optimization.

6.2 Service Suspension

The service may be suspended without prior notice in the following situations:

• System overload or unforeseen technical issues.
• Emergency system maintenance, upgrades, or repairs, especially those related to data security.
• Force majeure events, such as national emergencies, power outages, or natural disasters.

We will make every reasonable effort to notify you in advance via in-app messages. If prior notice is not possible, we will inform you promptly afterward.

6.3 Service Termination

We reserve the right to suspend or terminate our services and your use of the Application at any time. Upon termination:

• All rights and licenses granted to you under these terms will immediately cease.
• You must immediately stop all use of the platform and its functions.
• Except as required by law, we are not liable for any losses you may incur due to service suspension or termination.

7. Contact Us

If you have any questions, suggestions, or need assistance regarding these Terms and Conditions or our service, please contact us by email at business@billmatecredit.com. Our team will review and respond to your inquiry in a timely manner.