Introduction

Welcome to snapcheck.firstcentralcreditbureau.com (“Snap Check Portal”) owned and operated by FirstCentral Credit Bureau Limited (“FirstCentral”). FirstCentral is a Credit Information Service Company licensed in the Federal Republic of Nigeria.

Acceptance of the Terms

The portal, content and services are provided to you subject to your agreement to be bound by these Terms of Use (“Terms”). All references to "Services" in these terms include services provided via the portal and through the designated FirstCentral service channels. BY ACCESSING OR USING THIS PORTAL OR THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND ARE DEEMED TO HAVE READ, UNDERSTOOD AND AGREED TO THE TERMS. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS, DO NOT ACCESS OR USE THE PORTAL, THE PRODUCTS, OR SERVICES. FirstCentral reserves the right, in our sole discretion, to modify or update the Terms at any time and from time to time and such modifications will supersede and replace any previous terms. Your continued use of the Portal and any services means that you agree and accept these amended terms and conditions. If you do not agree to any modifications of these terms and conditions, you must immediately stop using the Portal and any product, or service offered on the Portal.

Privacy Policy

By accessing and using the Portal and any services, you consent to the collection, use and disclosure of your personal information in accordance with our Privacy Policy.

Use of the Portal

By accessing the portal, you warrant and represent to FirstCentral that you are legally entitled to do so. By subscribing for any of the product(s) or service(s), you warrant and represent to FirstCentral that you are legally authorised to subscribe for such product(s) or service(s) and have the requisite capacity to conclude legally binding transactions with FirstCentral. You further warrant that you will not use the Portal, the product (s) or service(s), or any information provided to you by FirstCentral pursuant to your use of the Portal for any purpose that is unlawful or prohibited under the Nigerian or international law or is in contravention of these Terms.

You agree and understand that that any and all information contained in the reports and the products and services has been collated by FirstCentral based on the information furnished by its various Subscribers. Consequently, FirstCentral shall not be responsible for the accuracy, completeness, and veracity of any and all such information as furnished. This service is for your personal use only and is not for use by anyone other than you in respect of your credit information. By ordering a Snap Check product or service, you also confirm you are requesting a copy of your own consumer credit information and that the details you have supplied are true and correct. You understand that it is an offence under the relevant laws to improperly access a credit information that is not your own and a breach may result in a penalty or other appropriate sanctions. You understand that your credit information is current as at the time of request for a copy, and you may need to order a report again in the future to get the most up-to-date information.

You further agree and acknowledge that:

a. the information in the Snapcheck product or service is “as is” and may contain errors, be incomplete, be inaccurate or out of date because it is compiled from both private and public credit information furnishers and may not have been independently verified by FirstCentral.

b. FirstCentral does not guarantee or warrant the correctness, completeness, merchantability or fitness for a particular purpose of any information obtained or derived through or in connection with Snapcheck.

The information collected from you when you use Snapcheck product or service will be used for identity verification (to ensure that the correct report is accessed) and may be held and used to update your demographic information.

In no event shall FirstCentral be liable for any direct, indirect, punitive, incidental, special, consequential damages or any other damages.

You are responsible for maintaining the secrecy of your passwords, login, account and other information. You will be responsible for all use of the Portal by you and anyone using your password and login information (with or without your permission).

You also agree to provide true, accurate, current and complete information about yourself as prompted by the Portal. If you provide any information that is untrue, inaccurate, not updated or incomplete (or becomes untrue, inaccurate, not updated or incomplete), or FirstCentral has reasonable grounds to believe that such information is untrue, inaccurate, not updated or incomplete, FirstCentral has the right to suspend or terminate your account and refuse any and all current or future use of the Portal.

By making use of the Portal, and furnishing your personal/contact details, you hereby agree that you are interested in availing and purchasing the service(s) that you have selected.

You hereby agree that FirstCentral may contact you either electronically or through phone, to understand your interest in the selected products and service(s) and to fulfill your demand or complete your application. You specifically understand and agree that by using the SnapCheck you authorize FirstCentral and its affiliates and partners to contact you for any follow up calls in relation to the Services provided through the Portal. You agree to receive promotional materials and/or special offers from FirstCentral through emails or short message service (sms).

You shall not (i) use any "deep link," "page scrape," "robot," "spider," or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Portal or in any way reproduce or circumvent the navigational structure or presentation of the Portal to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Portal, (ii) attempt to gain unauthorized access to any portion or feature of the Portal, including, without limitation, the account of another individual or any other systems or networks connected to the Portal or to any of our servers or to any of the services offered on or through the Portal, by hacking, password "mining," or any other illegitimate or prohibited means, (iii) probe, scan, or test the vulnerability of the Portal or any network connected to the Portal, nor breach the security or authentication measures on the Portal or any network connected to the Portal, (iv) forge headers, impersonate a person, or otherwise manipulate identifiers in order to disguise your identity or the origin of any message or transmittal you send to us on or through the Site, (v) use the Site to harvest or collect e-mail addresses or other contact information; or (vi) use the Portal in an unlawful manner or in a manner that could damage, disparage, or otherwise negatively impact FirstCentral.

Without limiting the generality of the foregoing, copying or reproducing any services, programs, products, information, or materials provided by FirstCentral to any other server or location for further reproduction or redistribution is expressly prohibited.

Disclaimer of Warranties and Liability

THIS PORTAL, INCLUDING ALL CONTENT, PRODUCTS AND SERVICES MADE AVAILABLE ON OR ACCESSED THROUGH THIS PORTAL, IS PROVIDED TO YOU "AS IS", WITH NO WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE APPLICABLE LAW, FIRSTCENTRAL DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (A) AS TO THE CONTENT, PRODUCTS OR SERVICES AVAILABLE ON OR ACCESSED THROUGH THE PORTAL, (B) THAT A USER WILL HAVE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE PORTAL, PRODUCTS OR SERVICES, OR (C) THAT THE PORTAL, PRODUCTS OR SERVICES WILL BE ERROR-FREE. FURTHERMORE, FIRSTCENTRAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT AND INFORMATIONAL CONTENT. THEREFORE, YOU AGREE THAT YOUR ACCESS TO AND USE OF THE PORTAL, PRODUCTS, SERVICES AND CONTENT ARE AT YOUR OWN RISK. BY USING THE PORTAL, YOU ACKNOWLEDGE AND AGREE THAT FIRSTCENTRAL SHALL HAVE NO LIABILITY TO YOU (WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF THIS PORTAL SITE, IT’S CONTENT, PRODUCTS OR SERVICES (EVEN IF FIRSTCENTRAL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES).

Trademark Rights

The trademarks, service marks, and logos (the "Trademarks") used on the Portal are registered and unregistered Trademarks. The Trademarks belong to FirstCentral, and FirstCentral has exclusive rights to the Trademarks. Any unauthorized use of the Trademarks is strictly prohibited. You shall not display or use the Trademarks for any purpose without the written permission of FirstCentral.

Policy on External/Third Party Links

External/Third links where provided are provided solely for your convenience only and are beyond the control of FirstCentral and no representation is made as to their content. FirstCentral does not represent, guarantee, or endorse any web site that you may access from the Portal. In addition, if we provide a link to a web site, we do not represent, guarantee, or endorse the company or any of its product(s) or service(s). When you access a third party web site through this portal, you acknowledge that the linked site(s) and its content(s) are not under the control of FirstCentral and FirstCentral is not responsible for transmission received from any linked sites. Your use or reliance on any external links provided is at your own risk. When visiting external links you must refer to that external or third party’s terms of use.

Loan Referral Option

Display of loan, mutual funds, credit card or other financial products, offered by third parties, on the portal does not in any way imply, suggest, or constitute any sponsorship, recommendation, opinion, advice or approval of FirstCentral on such third parties or their products. You agree that FirstCentral is in no way responsible for the accuracy, timeliness or completeness of information it may obtain from these third parties. Your interaction with any third party accessed through the Portal is at your own risk, and FirstCentral will have no liability with respect to the acts, omissions, errors, representations, warranties, breaches or negligence of any such third parties or for any personal injuries, death, property damage, or other damages or expenses resulting from your use of the third parties link or interactions with the third parties.

You agree and acknowledge that the credit shall be at the sole discretion of the facility provider while making any application through the Portal for any financial product or service offered by such facility provider; FirstCentral shall not be held liable for any delay, rejection or approval of any application made through its Portal.

Please note that Snapcheck/Portal not is a lending website, NOT a lender or facility provider. The loan option referral service is completely free and all the loan terms are between you and the Lender. Each Lender has different loan terms, such as the loan amount, the APR for the loan, repayment schedules, etc.

After submitting your information, if you are selected by a Lender, you will be redirect to the Lender's website where you will be able to review and ultimately decide if you would like to agree to the terms and conditions of the loan. In many cases, the Lender will then contact you to confirm your personal information and finalize the loan.

FIRSTCENTRAL IS NOT A LENDER, DOES NOT BROKER LOANS, AND DOES NOT MAKE CASH ADVANCES OR CREDIT DECISIONS. THIS PORTAL DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE WILL SHARE YOUR LOAN REQUEST INFORMATION WITH ONE OR MORE MARKETPLACE PARTICIPANTS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A LENDER; ANY PARTICULAR LOAN PROGRAM; THAT YOU WILL RECEIVE A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER LOAN TERMS OFFERED AND MADE AVAILABLE BY THE PARTICIPANTS THROUGH THIS PORTAL ARE THE BEST TERMS AVAILABLE IN THE MARKET.

For details, questions or concerns regarding your cash advance, please contact the Lender directly.

Unsolicited Idea Submission Policy

When you provide us with comments, suggestions, or ideas (collectively "Feedback"), such Feedback is not considered confidential and becomes the property of FirstCentral. We are not obligated to you if you provide such Feedback. We are free to use, copy, or distribute the Feedback to others for any purpose.

International Use

Where the portal is accessed outside Nigeria, you agree to adhere to all relevant local laws, regulations, and rules regarding the internet, data, e-mail, and privacy.

Applicable Law

These Terms shall be construed in accordance with the laws of the Federal Republic of Nigeria, save its conflicts of law provision.

Notices

You should send any notices or other communications regarding this portal, products or services to FirstCentral Credit Bureau, 14 Sumbo Jibowu Street, S/W Ikoyi, Lagos.

Except as otherwise provided, we may send any notices to you to the most recent e-mail address you have provided to us or, if you have not provided an e-mail address, to any e-mail or postal address that we believe is your address.

Indemnification

You agree to indemnify and hold FirstCentral harmless from any and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature, including reasonable attorneys' fees, or arising out of or related to your breach of this Terms, your violation of any law or the rights of a third party, or your use of the Portal.

You also agree to reimburse FirstCentral, its officers, employees, agents, and partners for all losses, damages, and costs, including reasonable attorney's fees, resulting from your violation of these Terms.

Scores, Reasons, Benchmarking and use of Credit Tools

When accessing certain products or features your personal credit profile may be compared or benchmarked against industry and/or other averages. These scores, reasons and benchmarks are calculated based only on information that is available to FirstCentral or which is provided by you and FirstCentral cannot therefore warrant the accuracy of the information. Should any information on your credit report be incorrect, you may dispute the information by contacting FirstCentral’s client support team on the feedback form on the platform, info@firstcentralcreditbureau.com or call +2348178377643 to lodge a complaint. In accordance with the provisions of the Credit Reporting Act, 2017, complaints must be received within 15 working days or it becomes statute barred.

FirstCentral does not approve or decline you for credit. All credit assessments are done at the credit facility provider’s sole discretion. Any credit score or debt rating provided by FirstCentral is therefore only an indicator and does not mean that you will automatically be approved or declined for credit.

Copyright Notice

Copyright (c) 2018 FirstCentral Credit Bureau Limited. All Rights Reserved. Except as otherwise stated, FirstCentral owns all content contained on this portal. Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Content"). The Content is protected by copyright laws of Nigeria. The Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without FirstCentral's prior written permission.