Terms & Conditions
General Terms & Conditions
Introduction
1.1 This document outlines the terms and conditions governing the use of the myCredit Score Limited website (the "Website") and the services provided therein (the "Services").
1.2 By accessing or using the Website or Services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Website or Services.
Services
2.1 myCredit Score Limited is a licensed credit reference bureau regulated by the Bank of Ghana.
2.2 The Website provides users with access to their credit reports and scores.
2.3 The information provided on the Website is based on data obtained from various sources and is believed to be accurate at the time of retrieval. However, myCredit Score Limited does not guarantee the accuracy, completeness, or reliability of the information.
User Responsibilities
3.1 You are responsible for maintaining the confidentiality of your account information and password.
3.2 You agree to use the Website and Services in accordance with all applicable laws and regulations.
3.3 You agree not to use the Website or Services for any unlawful or unauthorized purpose.
Intellectual Property
4.1 The Website and its contents, including but not limited to text, images, software, and code, are the property of myCredit Score Limited and are protected by copyright, trademark, and other intellectual property laws.
4.2 You may not reproduce, distribute, modify, or create derivative works based on the Website or its contents without the prior written consent of myCredit Score Limited.
Limitation of Liability
5.1 myCredit Score Limited shall not be liable for any direct, indirect, incidental, consequential, or exemplary damages arising out of or in connection with the use or inability to use the Website or Services.
Indemnification
6.1 You agree to indemnify and hold harmless myCredit Score Limited from any claims, damages, liabilities, costs, and expenses arising out of your use of the Website or Services or your violation of these Terms and Conditions.
Privacy
7.1 myCredit Score Limited respects your privacy and handles your personal information in accordance with applicable data protection laws. Please refer to our Privacy Policy for more details.
Governing Law and Jurisdiction
8.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of Ghana.
8.2 Any disputes arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the courts of Ghana.
Changes to Terms and Conditions
9.1 myCredit Score Limited reserves the right to modify these Terms and Conditions at any time without prior notice. Your continued use of the Website or Services after any changes constitutes your acceptance of the modified Terms and Conditions.
Contact Information
10.1 For questions or concerns about these Terms and Conditions, please contact myCredit Score Limited at [email protected]
Borrower Terms & Conditions
Before generating a Loan Default Check Report, every borrower shall expressly acknowledge and accept the following Terms and Conditions.
Borrower Declaration
By selecting "I Agree", I confirm that:
- 1 I voluntarily request my Loan Default Check Report under the self-enquiry framework.
- 2 I understand that this report contains my personal credit information maintained by MyCredit Score Credit Bureau Ltd.
- 3 I understand that I am solely responsible for deciding whether to share this report or the associated Report Access Code with any third party.
- 4 I acknowledge that any third-party receiving access to my report has been authorised by me.
- 5 I understand that MyCredit Score Ltd does not compel me to share my report with any person or organisation.
- 6 I understand that once I voluntarily disclose my report to a third party, that party may rely on the information for the purpose for which I shared it.
- 7 I confirm that all information provided during this request is true and accurate.
- 8 I acknowledge that my request and any subsequent report sharing activities will be logged for regulatory, audit and security purposes.
Vendor Terms & Conditions
Before accessing a Default Check Report, every vendor shall agree to the following.
Vendor Declaration
By proceeding, I confirm that:
- 1 I acknowledge that I am not an Authorised User under the Credit Reporting System established under the Credit Reporting Act, 2007 (Act 726).
- 2 I understand that this report has been voluntarily generated and shared by the borrower under the self-enquiry framework approved by the Bank of Ghana.
- 3 I shall use the report solely for the purpose for which it has been voluntarily provided by the borrower.
- 4 I shall not reproduce, publish, distribute, sell, transfer or disclose the report to any other person without the borrower's explicit consent.
- 5 I shall not use the report for unlawful, discriminatory, fraudulent or non-permissible purposes.
- 6 I shall not retain, store or process the report beyond what is reasonably necessary for the stated purpose and shall comply with applicable data protection requirements.
- 7 I acknowledge that misuse of the report may result in suspension of access, regulatory action and any other remedies available under applicable law.
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