Disclaimer

Localcredit Disclaimer

Localcredit is a decentralized, non-custodial credit rating oracle designed to publish cryptographically verifiable reputation signals based on observed behavior and verified attestations. Localcredit does not provide loans, credit facilities, financial products, brokerage services, or investment opportunities.

No Financial, Credit, or Legal Advice All information, scores, signals, and outputs provided by Localcredit are for informational purposes only. Nothing provided by Localcredit constitutes financial advice, credit advice, legal advice, investment advice, or a recommendation to engage in any transaction. Any decisions made using Localcredit Scores are made solely by third parties or users at their own discretion and risk.

No Guarantee of Outcomes Localcredit Scores are probabilistic and observational in nature. They do not guarantee credit approval, favorable terms, solvency, repayment, or future behavior. Scores may change over time as new data becomes available or as scoring models evolve.

No Lending or Intermediation Localcredit does not originate, underwrite, approve, deny, broker, facilitate, or service loans or other financial arrangements. Localcredit does not participate in or control how third parties use credit scores, nor does it enforce outcomes or penalties.

Third-Party Use Third-party applications, protocols, institutions, or individuals may integrate or reference Localcredit Scores. Localcredit does not endorse, control, or assume responsibility for any third-party products, decisions, or actions. Use of third-party services is governed by their own terms and policies.

No Custody or Control Localcredit does not custody user assets, manage wallets, hold private keys, or control funds. Users are solely responsible for securing their wallets, keys, and credentials.

Experimental Technology Localcredit operates using experimental cryptographic and decentralized technologies. The protocol, models, parameters, and token mechanics may change, be upgraded, or be discontinued through governance or technical evolution. Users acknowledge and accept the risks associated with experimental systems.

Regulatory Status Localcredit is an information and infrastructure protocol. It is not a bank, lender, credit bureau, consumer reporting agency, or regulated financial institution. Regulatory treatment may vary by jurisdiction, and users are responsible for complying with applicable laws.

Use at Your Own Risk To the maximum extent permitted by law, Localcredit disclaims all liability for losses, damages, or adverse outcomes arising from use of the protocol, scores, or related services.