Welcome

1. Using the site

   You confirm that you are at least 18 years of age or are accessing the Site under the supervision of a parent or legal guardian. If you are accessing the Site for the purposes of a corporate body or organisation, you confirm that you are authorized to act on behalf of such corporate body or organization.
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   The Site may only be used in accordance with these Terms of Use. If you do not agree with the Terms of Use or do not wish to be bound by them, you agree to refrain from using this website.
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   We grant you a non-transferable, revocable and non-exclusive license to use this Site, in accordance with the Terms of Use, for such things as: connecting with lenders or consumers of loan products, subscription for credit reports, subscription for alerts, gathering prior information regarding our products and services, financial education and for accessing information on developments in the financial services space, etc. Commercial use of this site or use of same on behalf of any third party is prohibited, except as explicitly permitted by us in advance. These Terms of Use specifically prohibit actions such as: accessing our servers or internal computer systems, interfering in any way with the functionality of this website, gathering or altering any underlying software code, infringing any intellectual property rights. This list is non-exhaustive and similar actions are also strictly prohibited.
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   Any breach of these Terms of Use shall result in the immediate revocation of the license granted for the use of the Site under this Terms of Use without prior notice to you. Should we determine at our sole discretion that you are in breach of any of these conditions, we reserve the right to deny you access to this website and its contents and do so without prejudice to any available remedies at law or otherwise.
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   Certain services and related features that may be made available on the Site may require registration or membership subscription. Should you choose to register or subscribe for any such services or related features, you agree to provide accurate and current information about yourself, and to promptly update such information if there are any changes. Every user of the Site is solely responsible for creating accounts and keeping passwords and other account identifiers safe and secure.
   An account owner is entirely responsible for all activities that occur under such password or account. Furthermore, you must notify us of any unauthorized use of your password or account. The Site shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.
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   You are not permitted to access or make use of the account of another consumer without the consumer’s express permission.
   During the registration process you agree to receive promotional alerts from the Site. You can subsequently opt out of receiving such promotional alerts by clicking on the link at the bottom of any promotional email.

2. Information available and connections on the site

   CreditRegistry CreditConnection does not and cannot guarantee or give any warranty (in so far as such warranties may be excluded under any relevant law) in respect of the correctness, completeness, currency, merchantability or fitness of the information contained in credit reports, provided by lenders, consumers of loan products and providers of financial education, for any particular purpose. CreditRegistry shall not be liable, and hereby denies liability, for any losses or damage that may result from use of reports, information available on the Site and connections made on the Site.
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   Although we take reasonable steps to ensure the accuracy of information and we believe the information to be reliable from subscribers, it does not in any way constitute either a representation or a warranty or a guarantee.
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   CreditRegistry shall also not be held responsible or made liable for any damages or injury which may arise as a result of any error, omission, interruption, deletion, delay in operation or transmission, computer virus, communication failure and defect in the information, content, materials, software or other services included on or otherwise made available through the Site.
   

3. Website access

   CreditRegistry CreditConnection’s aim is to ensure access to the website at all times, however we make no representation of that nature and reserve the right to terminate the Site at any time and without notice. You accept that service interruption may occur in order to allow for website improvements, scheduled maintenance or may also be due to external factors beyond our control.
   

4. Links and third party websites

   CreditRegistry CreditConnection may include links to third party websites at any time. However, the existence of a link to another website should not be considered as an affiliation or a partnership with a third party or viewed as an endorsement of a particular website unless explicitly stated otherwise.
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   In the event a user follows a link to another website, he or she does so at his or her own risk. CreditRegistry accepts no responsibility for any content, including, but not limited to, information, products and services, available on third party websites.
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   Creating a link to this website is strictly forbidden without prior written consent from us. Furthermore, we reserve the right to revoke our consent without notice, reason or justification.
   

5. Intellectual property and database rights

   All intellectual property rights and database rights, whether registered or unregistered, in the Site, information content on the Site and all the website design, including, but not limited to, text, graphics, software, photos, video, music, sound, and their selection and arrangement, and all software compilations, underlying source code and software shall remain at all times vested in CreditRegistry or our licensors. Use of such material will only be permitted as expressly authorized by us or our licensors.
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   Any unauthorised use of the material and content of the Site is strictly prohibited and you agree not to, or facilitate any third party to, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.
   

6. Privacy policy and data protection

   Any personal information collected in relation to the use of this website will be held and used in accordance with our Privacy Policy, which is available on the Site.
   

7. Indemnity

   You agree to indemnify and hold CreditRegistry, its affiliates, officers, directors, agents and/or employees, as the case may be, free from any claim or demand, including reasonable legal fees, related to your breach of these Terms of Use.
   

8. Law and jurisdiction

   These Terms of Use shall be interpreted and governed exclusively by the laws of the Federal Republic of Nigeria. Subject to the Arbitration section below, each party hereby agrees to submit to the exclusive jurisdiction of the courts of Nigeria and to waive any objections based upon venue or choice of law.
   

9. Terms of use dispute resolution

   Any controversy, claim or dispute arising out of or relating to these Terms of Use will be referred to and finally settled by binding arbitration held in Lagos, Nigeria in English language and governed by Nigerian law in accordance with the provisions of the Arbitration and Conciliation Act Cap A18 Laws of the Federation of Nigeria 2004, as amended, replaced or re-enacted from time to time. Notwithstanding the foregoing, the Site reserves the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the courts.
   

10. Termination

    In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately terminate the Terms of Use or revoke any or all of your rights granted under the Terms of Use.
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    Upon any termination of this Agreement, you shall immediately cease all access to and use of the Site and we shall, in addition to any other legal or equitable remedies, immediately revoke all password(s) and account identification issued to you and deny your access to and use of this Site in whole or in part. Any termination of this agreement shall not affect the respective rights and obligations (including without limitation, payment obligations) of the parties, arising before the date of termination. You furthermore agree that the Site shall not be liable to you or to any other person as a result of any such suspension or termination.
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    If you are dissatisfied with the Site or with any terms, conditions, rules, policies, guidelines, or practices of CR Services (Credit Bureau) Plc in operating the Site, your sole and exclusive remedy is to discontinue using the Site.
    

11. Severability

    If any portion of these terms or conditions is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Use and shall not affect the validity or enforceability of any other section listed in this document.
    

12. Miscellaneous

    You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
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    Assigning or sub-contracting any of your rights or obligations under these Terms of Use to any third party is prohibited unless agreed upon in writing by us.
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    We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms of Use to any third party.
    

13. Fees and pricing

    We are determined to provide the most accurate fee information and terms and conditions for use of the Site and services available on it; however, errors may still occur, such as cases when the price of a service or terms and conditions of a loan are not displayed correctly on the website. As such, CreditRegistry CreditConnection and lenders on the Site reserve the right to refuse or cancel any order or loan request. In the event that a service is mispriced, we may, at our own discretion, either contact you for instructions or cancel your subscription for the said service and notify you of such cancellation.
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    We shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and you have been charged.
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    Any service requested or ordered will be paid for in full before delivery of the service. No refunds will be made where the service has been ordered or provided even where the information sought is not available. In the event that we are unable to provide the services, we will inform you of this as soon as possible.
    

14. Timescales

    The Site is for provision of credit information, financial education and management, and connection of lenders and consumers of loan products and services; this Site reserves the right to change its products and services at any time. Delivery of any service may be electronic or physical based on user’s options when subscribing. We make every effort to deliver our services within the estimated timescales set out on the Site; however, delays are occasionally inevitable due to unforeseen factors. We shall be under no liability for any delay or failure to deliver any service within the estimated timescales where they did not occur due to our fault or negligence.
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    Any timescale indicated on the Site for the provision of any service or completion of any credit assessment process or provision of any service is only indicative and shall not be relied upon by the user.
    

15. To unsubscribe from our communications

    You may unsubscribe from CreditRegistry CreditConnection communications by clicking on the "unsubscribe" link located on the bottom of our e-mails, updating your communication preferences, or by sending us email us at privacy@creditregistry.com Attention: Privacy. Customers cannot opt out of receiving transactional emails related to their account with us or the credit bureau database.
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    Contact us for enquiries at www.creditregistry.ng/contact-us
    

16. Terms of use notice changes

    We reserve the right to change this term of use notice at any time. You agree to obtain annual notices of, and changes to, this term of use notice electronically by visiting this website. Therefore, we encourage you to review this Site from time to time to review changes to our term of use notice.