Credit-ly

Terms of use

Credit-ly is operated by Optimised-AI (South Africa). Last updated 13 September 2026.

What the service is. An automated, AI-generated plain-English explanation of a document or set of facts you provide. It is information to help you understand and ask better questions. Not legal or financial advice. Your report explained, and the disputes to lodge.

Accuracy. The AI can misread scans, miss context, or be wrong. Reports carry a confidence rating for this reason. Do not rely on a report as the sole basis for a decision with legal, financial or medical consequences. Where the report suggests involving a professional, do so.

Payment and refunds. Reports are priced per use in South African rand and paid through Paystack or Stripe. The free preview lets you judge whether the analysis is useful before paying. Because the report is delivered instantly, refunds are given only where the report could not be delivered or was unusable through our fault; email info@optimised-ai.com with your payment reference within 7 days.

Your content. You confirm you are entitled to upload the document. You keep all rights to it. We do not store it.

Acceptable use. Do not use the service to break the law, to upload other people's personal information without a lawful basis, or to overload the system.

Liability. To the extent the law allows, Optimised-AI's liability for any claim arising from a report is limited to the amount you paid for that report. Nothing in these terms limits rights you have under the Consumer Protection Act.

Law. South African law applies. Disputes go to the South African courts.