These Terms and Conditions ("Terms") govern your access to and use of our website, mobile applications, and related services (collectively, the "Platform"), which include credit score checking, financial guidance, loan marketplace matchmaking, and Buy Now, Pay Later (BNPL) services. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Platform.
1. Acceptance of Terms:
By registering for an account or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms, including our Privacy Policy. We reserve the right to modify these Terms at any time. We will notify you of any significant changes, and your continued use of the Platform after such modifications constitutes your acceptance of the revised Terms.
2. Services Offered:
Credit Score Checking: We provide access to your credit score and related information from authorized credit bureaus. You understand that we are acting as an intermediary and that the accuracy of the information depends on the data provided by the credit bureaus. Financial Guidance: We offer educational resources and tools to help you understand personal finance, credit management, and related topics. This information is for educational purposes only and should not be considered professional financial advice. Loan Marketplace Matchmaking: We facilitate connections between you and potential lenders based on your credit profile and loan requirements. We do not guarantee loan approval. Loan terms and conditions are determined by the lenders. Buy Now, Pay Later (BNPL): We offer BNPL services through partnerships with participating merchants. Your eligibility for BNPL is subject to credit checks and approval by our BNPL partners. Repayment terms and conditions are governed by the BNPL agreements you enter into.
3. User Accounts:
You must be of legal age in your jurisdiction to create an account. You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate and complete information when registering and using the Platform. We reserve the right to suspend or terminate your account if we suspect any fraudulent or unauthorized activity.
4. Privacy Policy:
Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms, explains how we collect, use, and protect your personal information.
5. Intellectual Property:
The Platform and its content, including but not limited to text, graphics, logos, and software, are protected by intellectual property laws. You may not reproduce, distribute, or modify any content from the Platform without our express written consent.
6. Third-Party Links and Services:
The Platform may contain links to third-party websites or services. We are not responsible for the content or practices of these third parties. Your interactions with third-party services are governed by their respective terms and conditions.
7. Disclaimers and Limitations of Liability:
The Platform is provided on an "as is" and "as available" basis. We make no warranties or representations about the accuracy, reliability, or completeness of the information provided. We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Platform. We are not responsible for the lending or BNPL decisions made by third parties. We do not guarantee that you will receive a loan or BNPL approval. Financial decisions are your own responsibility.
8. Indemnification:
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Platform or your violation of these Terms.
9. Governing Law:
These Terms shall be governed by and construed in accordance with the laws of Nigeria.
10. Dispute Resolution:
Any disputes arising from these Terms shall be resolved through legal means according to the laws of Nigeria.
11. Termination:
We may terminate your access to the Platform at any time for any reason, including but not limited to your violation of these Terms.
12. Contact Information:
If you have any questions about these Terms, please contact us at info@credisure.ng.
13. BNPL Specific Terms:
BNPL agreements are between you and the BNPL provider. We are a facilitator. Late or missed BNPL payments may result in penalties and impact your credit score. Eligibility for BNPL services is at the sole discretion of the BNPL provider. Returns and refunds related to BNPL purchases are subject to the merchant's and BNPL provider's policies.
14. Loan Marketplace Specific Terms:
Loan approval is subject to the lender's credit criteria. Loan terms, interest rates, and fees are determined by the lender. We do not endorse or recommend any specific lender. You are responsible for carefully reviewing all loan agreements before accepting them.
15. Credit Score Specific Terms
Credit scores provided are for informational purposes only. Credit scores may vary between different credit bureaus. We are not responsible for any inaccuracies in the credit information provided by the credit bureaus. By using CrediSure, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.