By using this product, you are deemed to have read and agreed to the following terms and conditions. The following terminology applies to these Terms and Conditions:
"Customer", "You" and "Your" refers to you, the person requesting in this service and accepting SERVICE's Terms and Conditions.
"SERVICE", "We" and "Us", refers to SERVICE owner.
"Credit Check" refers to this product the subject matter of these Terms and Conditions.
"Party" and "Parties refers to either of the Customer or Service owner and both the Customer and Service owner respectively.
" Credit Check" refers to a service which provide credit bureau fact check to merchants and individuals i.e. providing credit information request in summary and detailed form. Its aim is to confirm customers’ willingness and capacity to pay back. Part of the terms and conditions of the business is that credit checks will only be for permissible purposes only
“Mobile Self Enquiry” is a sub-service of Credit Check which enable individuals view their own credit history status using USSD Code
“Mobile Merchant Credit Check” is a sub-service of Credit Check which enable merchants conduct reviews on the credit history/worthiness of potential customers prior to approving credit sales
Any use of the above terminology or other words in the singular, plural, capitalization is taken as interchangeable and therefore referring to same. And any reference to natural persons include legal persons and vice-versa and references to any gender includes reference to the other gender and vice-versa.
The following terms and conditions refer to the offer, acceptance and consideration necessary for the Customer to participate in the use of the Credit Check service:
- The Credit Check service will be available to eligible prepaid and Postpaid Customers only.
- Eligibility criteria for the Credit Checkservice include but is not limited to the following:
- SIM must be registered
- Customer's main account balance must contain sufficient balance for the, minimum of N100 for self-credit check and N500 for merchant registration.
- Mobile number must be connected to a valid Bank Verification Number (BVN)
- The Credit Check service is open only to persons of 18 years and above. By clicking on Accept, you certify that you are above 18 years and acknowledge that you are fully bound by the legal and other consequences of Credit Check service as contained in these Terms and Conditions.
- The Credit Checkservice can only be accessed via USSD code *565*8#.
- Content Delivery: the information obtained through this Service represents confirmation by your creditors of the state of your relationship with them. Such information usually is not the product of an independent investigation by Us. Therefore, You acknowledge and agree that there is a possibility that such information will contain errors and/or, omissions due to many factors including negligence of the third parties providing them to Us. Accordingly, you acknowledge that we do not, and cannot guarantee or warrant the correctness, completeness, currency or fitness of the information obtained through this Service for a particular purpose. Further, You undertake that You shall rely on the information at your sole risk and that We shall not be liable to You for any loss or injury arising out of or caused, in whole or in part from your use of the information.
- The Customer's attention is specifically drawn to the provisions of these conditions which limit the liability of SERVICE:
- Except as expressly set out in these Terms and Conditions, all warranties, and representations, whether express or implied, and whether arising in contract or under common law or by statute are excluded to the fullest extent permissible by law.
- In no event shall service owner or any officer, staff or employee of Service owner be liable for any direct, indirect, special, exemplary, punitive, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arise out of or are in any way connected with the Credit Check service or its terms.
- You acknowledge and agree that Service owner reserves the right to revise these terms and conditions at any time for any reason and reserves the right to make changes at any time, without notice of obligation, to any of the information and materials contained under these terms and conditions. You further acknowledge and agree that by use of this product, you will be bound by any such revisions to the Credit Check service, and that Service owner has encouraged you to periodically visit its website (crccreditbureau.com) to review these terms and conditions.
- Service owner reserves the right to amend or cancel the terms of this service or to withdraw the service entirely without notice.
- It is acknowledged that all Service owner services including Credit Checkare provided subject to the Consumer Code of Practice
- This service shall be governed by and construed in accordance with Nigerian Law and the parties submit to the jurisdiction of the Nigerian Courts