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Please note that the continued use of this website ("Site"), implies an agreement to comply with and be bound by the following terms and conditions of use, which together with the Privacy Policy govern CRC Credit Bureau Limited's ("CRC") relationship with you in relation to this Site. If you disagree with any part of these terms and conditions, please do not use this Site.

DISCLAIMER STATEMENT

This Site and all information and material contained therein (including in each of the web pages) is provided by CRC on an "as is" and "as available" basis. All credit information contained on the Site or accessed through the Site has been provided by / obtained through third party sources, which are not controlled by CRC in any manner; and such information has not been subjected to independent investigation or verification by CRC. CRC has only been involved in the collection and processing of such credit information.

Therefore, whilst CRC will exercise reasonable endeavour to keep the information supplied on or through the Site up to date and accurate, CRC cannot be held responsible for and hereby exclude responsibility for any errors or omissions in such information. The information contained on or provided through this Site is provided with the understanding that CRC makes no representation or warranties, either express or implied, concerning its accuracy, completeness, reliability, or suitability and neither does CRC make any representation or warranty concerning the results of the use of, or otherwise respecting, the information, content, products and materials on this Site or any sites linked to it. To the fullest extent permissible under applicable laws, CRC disclaims all warranties & conditions, express or implied in respect of any of the information, content, material products and services included on this Site, including, but not limited to, any implied warranties or conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus or other violations of rights. No advice or information, whether oral or written, obtained by any user of this Site ("User") from CRC or through or from the services provider through the Site or or any sites linked to it shall create any warranty not expressly stated in the terms of use or any other document that binds CRC.

In no event will CRC be liable for any loss or damage, whether indirect, incidental, punitive, special, consequential and exemplary damages including but not limited to, damages for loss of profits, goodwill, use, data or other losses, costs, expenses, claims, actions wherever and whenever occurring (even if CRC has been advised of the possibility of the same), either directly or indirectly from:

1.       the use of or reliance upon the information, content, material products and services included on or provided through this Site or any sites linked to it.

2.      the incorrectness and / or inaccuracy of the information available on or through the Site;

3.      any action taken, proceeding initiated, transaction entered into on the basis of the information, products or services offered on / accessed through the Site;

4.      unauthorized access to and / or alteration of the information contained on the Site or available through the Site including any virus attack or other modification by virtue of hacking or otherwise or any loss caused by the download of the information;

5.      statements or conduct of any third party about the information, products or services offered on / accessed through the Site; or

6.      any other matter relating to the information products or services offered on / accessed through the Site.

Furthermore, any ideas, views and / or information provided gained from this Site or as a direct result of its use does not reflect or represent the views of CRC or its shareholders, directors or employees. Every effort is made to keep the website up and running smoothly. However, CRC takes no responsibility for, and will not be liable for, the Site being temporarily unavailable due to technical issues beyond our control.

The Credit Information provided by CRC through this Site is provided on the understanding that the information is raw data which requires careful consideration and interpretation by the user. Accordingly, use thereof is conditioned on the understanding and agreement that the said information shall not be the sole basis of decisions to grant/ enhance/ review/ extend/ renew financial assistance or other products offered by the user to a customer. User shall carry out all the necessary due diligence and make all the enquiries that a prudent credit grantor would ordinarily make before making the above-mentioned decision.

Any material downloaded or otherwise obtained through the use of the Site is done at User's own discretion and risk and User will be solely responsible for any damage to his / her computer system or loss of data that results from the download of any such material.

This Site is created, hosted, maintained and controlled in the Federal Republic of Nigeria. Consequently, the laws of the Federal Republic of Nigeria and the jurisdiction of the Nigerian courts govern this disclaimers contained in the Site, the Privacy Policy and any legal matter resulting from the use or inability to use this Site, without giving effect to any principle of conflict of laws. Notwithstanding the foregoing, CRC may seek recourse in any jurisdiction worldwide in order to restrain the unlawful use of any material contained in this Site.

PRIVACY POLICY

Introduction

This Privacy Policy sets out how the CRC uses and protects any information that is given to CRC by user ("User") of this website ("Site"). CRC undertakes to ensure that User’s privacy is protected.  Any Personally identifiable information provided to CRC by User while using this Site, shall be used in accordance with this Privacy Policy. CRC’s Privacy Policy, is expressly incorporated by reference into and should be read together with the terms and conditions of use for the Site.

What Information does the CRC Collect?

CRC collects both personally identifiable information and non-personal information necessary for the provision of its services. Personally Identifiable Information means information that could potentially identify a specific individual.

Information collected while browsing the Site

 CRC will not collect any personally identifiable information from a User without the User’s consent to the collection and use of such data. The personally identifiable information collected CRC may be captured from a variety of sources. These sources include but are not limited to voluntary submissions (e.g., responses to surveys, requests for information on its products or those of its advertisers/marketing partners) and review of site usage patterns.

Information collected upon subscription to CRC’s product and services

When using this Site or subscribing to CRC’s services or products, Users may be asked to submit personal information about themselves or their companies in order to receive or use CRC services or products (through the Site or otherwise). This information may include: name, address, job title, telephone number, email address and financial information necessary to conclude a contract/agreement and enable administration and management of such services or products.

CRC will only collect information that is necessary for the provision of the product or service that to which a User may have subscribed. The type of information collected will depend on the nature of the product or service demanded.

CRC may also collect information from Users automatically through various technologies including but not limited to:

• Cookies. Cookies are small text files sent by a website server to (1) website users’ Web browser and stored on their computer; and (2) email sent to them. The use of cookies helps CRC understand how Users are using the Site and applications. Cookies help CRC to improve security, content, navigation and functionality. Additionally, CRC uses cookies on its sites, the websites on which it advertises and through its email to track advertising performance and to collect aggregate data on sites and/or through email viewing. CRC may also use a third-party provider to track or collect such information. CRC does not use Cookies that contain or capture unencrypted Personal Information. Users can manage the placement of cookies on their computers through features found in most Internet browsers, including adjusting their browser settings to warn them before a cookie is stored or to block all cookies. Users can also delete cookies that have already been placed on their computer. Users are advised to consult the "Help" function of their browser to explore their options or consult their internet administrator.
• Web Beacons. CRC may also use web beacons to access its cookies. A web beacon is an electronic file on a Web page that allows a website owner to count users who have visited that page and to recognize users by accessing its cookies. Further, a web beacon can be used in HTML-formatted email to determine responses to communications and measure their effectiveness. Users can avoid web beacons by turning off HTML display and displaying only the text portion of their email.
• Internet Protocol (IP) Address. As Users access the Site, CRC capture and retain the IP address of the device they are using, such as a personal computer or a mobile device. The IP address does not identify Users or their personal information and is used primarily for security purposes.

How CRC Uses Information it Collects

CRC’s primary purpose in collecting personally identifiable information is to provide Users with required products, services, and information. CRC may also use such information to track the effectiveness of the services provided to Users through or on the Site and Users’ use of the products, services, and information provided on or through the Site. In addition, CRC may aggregate the information provided by Users in order to conduct research, analysis, or studies for its own purposes (i.e. not related to provision of specific products or services to Users).

Where personally identifiable information is collected, it will be used in administration of the Site and services rendered thereunder and tailored to our service and/or products to match Users’ needs. CRC may also use personally identifiable information to conduct market research surveys, for statistical analysis to determine site usage, to run competitions and for direct marketing purposes relating to its business. The services of third parties may be employed to help CRC in certain areas, such as website hosting, marketing and market researching. In these cases, that third party may receive Users’ information. However, at all times CRC will endeavour to keep control of and be responsible for the use of Users’ information. By providing CRC with their personal information, Users consent to CRC transferring of their information to countries or jurisdictions which may not provide the same level of data protection as Nigeria. If CRC makes such a transfer, CRC will, if appropriate, put a contract in place that imposes obligations on its counterparties to protect Users’ information.

Security and Protection

Personal information collected will be held securely and will only be kept for as long as is required by any applicable law or reasonably necessary in the circumstances in which it is collected or, for as long as User use the service or product for which they subscribed, unless consent to use the data for any additional purposes was obtained. CRC take the security of the Site and the information obtained from Users very seriously and will take all appropriate technical measures using recognized security procedures and tools in accordance with good industry practice to protect their personal information. CRC has reasonable security measures in place to protect against the loss, misuse and interception by third parties of the information under its control, but, to the extent allowed by law, CRC assumes no liability for any damages the Users may suffer as a result of interception, alteration or misuse of information transmitted over the Internet. Whilst CRC use all reasonable endeavors to protect Users’ security in the manner described above, it consider that it is only appropriate to advise Users that data transmission over the Internet and the World Wide Web cannot be guaranteed as 100% secure, and therefore that Users use the Site at their own risk.

Changes to the Policy and the Website

To the extent allowed by law, CRC may update this Policy from time to time and Usres are responsible for periodically reviewing the most current version on the Site. To the extent allowed by law, the continued use of the Site will be deemed to be conclusive acceptance by a User of the updated Policy. CRC reserves the right to change or delete any information, features or content of the pages of the Site at any time and without notice. However, CRC will use its reasonable endeavors to notify Users of changes to information, features or content for which they have paid, to which they have subscribed and/or are required to pay any consideration.

Links

The Site may contain links to other websites of interest. However, once these links are used to leave CRC’s site, Users should note that CRC does not have any control over that other website. CRC does not endorse those sites, its sponsors or any of the policies, activities, products or services offered on those sites or by any advertiser on those sites. Therefore, CRC shall not be responsible for the protection and privacy of any information which Users provide whilst visiting such sites and such sites are not governed by this Policy. This Policy applies only to information collected by this Site. Please be aware that CRC is not responsible for the privacy policies of other sites and as such, Users are advised to read the privacy statement/policy of any website that collects personal information from them before using same.

Communication by CRC

Any questions or concerns regarding this Policy, should be directed to contactus@crccreditbureau.com.

 If CRC needs to contact a User in relation to his/her information, CRC may do so by email, telephone or postal service.

Variation

CRC reserves the right to revise the terms of this Privacy Policy at any time. Such variations will be posted here and will only apply to activities and information going forward, not retroactively. Users are advised regularly check this Privacy Policy for changes therein whenever they visit this Site. By continuing to use this Site after the publication of a variation to Privacy Policy, a User will be deemed to have accepted the terms of the varied Privacy Policy.