Terms and Conditions

Welcome to Cred ID (the “App”). This App is provided by Cred Identity Ltd (“we”, “us”, “our” or “the Company”). Please read the following carefully as they govern your access or use of our products.

The Terms and Conditions ("T&Cs") contained herein apply to your use of our website, the App and all products, services, content, tools, features, functionalities and technologies offered on or through them (collectively the "Site"). By accessing, using or browsing the Site you agree to be bound by these T&Cs. If you do not agree to be bound by these T&Cs, please do not access, browse or use the Site.

We reserve the right to, at any time, modify these T&Cs. We will update these terms on the Site and indicate the date of last revision. While we may use reasonable means to notify you of any material changes, your continued use of the Site after any modifications signifies your acceptance of the new T&Cs.

Subject to your compliance with these T&Cs, the Company grants you a personal, limited, non‑sublicensable, non‑transferable, and non‑exclusive license to use the software provided to you as part of the Site. This license has the sole purpose of enabling you to use and enjoy the benefit of the Site as provided by us, in the manner permitted by these T&Cs and subject to the use restrictions described below. You may not reproduce, distribute, or create derivative works from the App without our prior written consent.

Your access and use of the Site may be interrupted from time to time for several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that we may elect to take.

You may access or use the Site for lawful purposes only and in accordance with these T&Cs. You agree not to use the Site:

1. In any way that violates any applicable national, federal, state, provincial, local or international law or regulation.
2. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way.
3. To send, knowingly receive, upload, download, use, or re‑use any material that does not comply with these T&Cs.
4. To transmit any advertising or promotional material including junk mail, chain letters, or spam.
5. To impersonate the Company, a Company employee, another user, or any other person or entity.
6. To engage in conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which may harm users.

Additionally, you agree not to:

1. Use the Site in any manner that could disable, overburden, damage, or impair the Site.
2. Use any robot, spider, or other automatic device, process, or means to access the Site.
3. Use any manual process to monitor or copy any of the material on the Site without prior written consent.
4. Use any device, software, or routine that interferes with the proper working of the Site.
5. Introduce viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
6. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site or related infrastructure.
7. Attack the Site via denial‑of‑service or distributed denial‑of‑service.
8. Otherwise attempt to interfere with the proper working of the Site.

All content, features, and functionality of the App, including but not limited to text, graphics, logos, and software, are the exclusive property of the Company and are protected by intellectual property laws.

By submitting any content to the Site, you grant us a worldwide, non‑exclusive, royalty‑free, perpetual, and transferable license to use, reproduce, distribute, and display such content in connection with the Site.

You may be required to register with us to access certain features on the Site. You must be at least eighteen (18) years old to create an account. You agree to provide basic personal data for this purpose and to maintain its accuracy and the security of your credentials.

You are responsible for all activities that occur under your account. If you believe your account security has been compromised, inform us immediately.

We reserve the right to suspend or terminate your account at any time, without notice, for any reason, including violation of these T&Cs. You may also terminate your account at any time by contacting us as provided in Section 15.

For your convenience, this Site may provide links or pointers to third‑party websites or services. We enable these merely as a convenience and their inclusion does not imply endorsement. We make no representations about any websites or third‑party services that may be accessed from this Site.

If you choose to access such websites, you do so at your own cost and risk and are subject to their terms and policies. We accept no responsibility for any loss or damage arising from your use of them.

The Company takes the privacy of our users and data subjects seriously. By accessing, browsing or using the Site, you consent to our collection and use of your data in accordance with our Privacy Policy.

When you access data reports containing personal information of data subjects, you assume the role of data controller and must comply with all obligations under the Data Protection Act, 2012 (Act 843). Our Privacy Policy describes our role as data processor and intermediary. You must ensure you have a lawful basis for processing such personal data.

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. CRED IDENTITY LTD EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT.

WE MAKE NO WARRANTY THAT (A) THE SITE WILL MEET YOUR REQUIREMENTS; (B) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR‑FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.

WITH RESPECT TO DATA REPORTS, WE MAKE NO WARRANTY REGARDING (A) THE ACCURACY, COMPLETENESS, OR TIMELINESS OF DATA FROM THIRD‑PARTY SOURCES; (B) THE SUITABILITY OF SUCH DATA FOR ANY PARTICULAR PURPOSE; OR (C) THE AVAILABILITY OR CONTINUITY OF ACCESS TO THIRD‑PARTY DATA SOURCES. DATA REPORTS ARE PROVIDED FOR INFORMATIONAL PURPOSES AND USERS BEAR ALL RISK ASSOCIATED WITH RELIANCE ON SUCH INFORMATION.

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company and its affiliates and personnel from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your breach of these T&Cs or your use of the Site.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CRED IDENTITY LTD WILL NOT BE LIABLE FOR (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, OR DATA OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM THE USE OR THE INABILITY TO USE THE SITE OR ANY OTHER MATTER RELATING TO THE SITE; OR (B) ANY OTHER DAMAGES OR LOSSES IN EXCESS OF THE GREATER OF (I) THE AMOUNT YOU HAVE PAID CRED IDENTITY LTD IN THE LAST SIX (6) MONTHS AND (II) ONE HUNDRED DOLLARS ($100).

YOU FURTHER AGREE THAT CRED ID SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR CONSEQUENCES ARISING FROM (A) ERRORS OR OMISSIONS IN THIRD‑PARTY DATA; (B) DECISIONS MADE BASED ON DATA REPORTS; (C) UNAUTHORIZED ACCESS OR MISUSE BY RECIPIENTS; (D) YOUR FAILURE TO COMPLY WITH DATA PROTECTION OBLIGATIONS; OR (E) CLAIMS BY DATA SUBJECTS WHOSE INFORMATION APPEARS IN DATA REPORTS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE.

These Terms shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law principles.

ANY DISPUTES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS SHALL BE RESOLVED THROUGH BINDING ARBITRATION IN ACCORDANCE WITH THE RULES OF THE GHANA ARBITRATION CENTRE. THE ARBITRATION SHALL BE CONDUCTED IN ACCRA, IN ENGLISH, BEFORE A SOLE ARBITRATOR. EACH PARTY SHALL BE RESPONSIBLE FOR ITS OWN COSTS INCLUDING ATTORNEYS’ FEES.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. ANY CLAIM MUST BE FILED WITHIN ONE (1) YEAR AFTER IT AROSE.

13.1 Entire Agreement

These T&Cs constitute the entire agreement between you and the Company governing your access and use of the Site.

13.2 Severability

If any provision is found invalid, the remaining provisions remain in full force and effect.

13.3 Waiver

The failure of the Company to exercise or enforce any right or provision will not constitute a waiver.

13.4 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms without restriction.

14.1 Nature of Data Reports

Data reports generated through the Site are produced using data obtained from external databases operated by independent third‑party data controllers. Cred ID acts as a data intermediary facilitating access to this information and does not originate, independently verify, or control the underlying data content.

14.2 Legal Basis and Compliance

All data reports are provided in accordance with the Data Protection Act, 2012 (Act 843) and regulations issued by the Data Protection Commission of Ghana. Access to and use of data reports must be:

1. For lawful and legitimate purposes only.
2. In compliance with all applicable data protection laws in Ghana.
3. Limited to the specific purpose for which access was granted.
4. In accordance with the principles of data minimization and purpose limitation.

14.3 User Responsibilities for Data Reports

By accessing any data report through the Site, you confirm and warrant that:

1. You have lawful authority and a legitimate basis to access this information under applicable data protection laws.
2. You will process the data in accordance with the Data Protection Act, 2012 (Act 843) and all other applicable legislation.
3. You will implement appropriate technical and organizational security measures to protect the data from unauthorized access, disclosure, alteration, or destruction.
4. You will not unlawfully disclose or share this information with unauthorized third parties.
5. You will use the data only for the specific lawful purpose for which access was granted.
6. You will retain the data only for as long as necessary for the lawful purpose and will securely destroy it thereafter.
7. You acknowledge that you are acting as a data controller with respect to any personal data contained in the reports.

14.4 Limitations of Liability for Third‑Party Data

While the Company takes reasonable measures to facilitate accurate data transmission, we do not guarantee the accuracy, completeness, timeliness, or reliability of data provided by third‑party sources.

CRED ID SHALL NOT BE LIABLE FOR:

1. Errors, omissions, inaccuracies, or outdated information in data originating from third‑party databases.
2. Decisions made based on data reports or reliance on such information.
3. Unauthorized access, disclosure, or misuse of data by the recipient.
4. Any losses, damages, or consequences arising from reliance on information contained in data reports.
5. Delays in data updates or transmission from third‑party sources.
6. Interruptions in data availability from third‑party providers.

14.5 Data Subject Rights

Data subjects whose information appears in data reports have rights under the Data Protection Act, 2012 (Act 843), including but not limited to:

1. Right of access to their personal data.
2. Right to correction of inaccurate or incomplete data.
3. Right to erasure in certain circumstances.
4. Right to object to processing.
5. Right to lodge complaints with the Data Protection Commission.

Requests regarding data subject rights should be directed to [email protected].

For data originating from third‑party databases, data subjects may also need to contact the relevant third‑party data controller directly. We may, at our own discretion, provide reasonable assistance in facilitating such communications.

14.6 Data Retention Requirements

Users who access data reports must adhere to the following retention requirements:

1. Data reports should be retained only for as long as necessary for the lawful purpose for which they were obtained.
2. Upon completion of the lawful purpose, data must be securely destroyed using appropriate methods.
3. Users must maintain records of data retention and destruction in compliance with applicable laws.
4. Users must not retain data beyond the period justified by the original lawful purpose.

14.7 Security Obligations

Users accessing data reports must:

1. Implement appropriate security measures commensurate with the sensitivity of the data.
2. Restrict access to authorized personnel only.
3. Use secure transmission methods when sharing data for authorized purposes.
4. Report any data breaches or security incidents as required by law.
5. Maintain audit trails of data access and use where required by law.

If you have any questions, comments, complaints or feedback, you may contact us at [email protected] or at Kate Kai Korley Street, East Legon, Accra GD-233-8968.