Credit Tools B.V., registered company code 11048673 The Netherlands, will provide you only with a valid user agreement access to its software CreditManager 3.x. Credit Tools reserves the right to modify the content of the software under its intellectual property, enhance or delete parts. Although, the functionalities offered in the software are made with great care, Credit Tools gives, in accordance with applicable laws, no warranties (express or implied ), including but not limited to implied warranties of fitness for a particular purpose.