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Last Updated: 24th May 2025
Welcome to the RIGHTCRED DATA SOLUTIONS LIMITED App. Please read these terms carefully before using our services.
Welcome to the RIGHTCRED DATA SOLUTIONS LIMITED App (the "App"), a service provided by RIGHTCRED DATA SOLUTIONS LIMITED, a company registered in Nigeria with RC 8233667, and having its registered address at 3A, CRESCENT B, OBA ADEYINKA OYEKAN ESTATE, LEKKI PHASE 1, LAGOS STATE, NIGERIA ("we," "our," or "us"). These Terms and Conditions and Terms of Use ("Terms") govern your access to and use of the App, including any content, functionality, and services offered on or through the App.
Please read these Terms carefully before you start to use the App. By clicking "I agree" or "accept" (or other similar buttons), or by otherwise accessing and/or using any part of the Service, you acknowledge that you have read, understood, and agreed to be bound by all the terms and conditions of this Terms. This Agreement constitutes a binding agreement between you and RIGHTCRED DATA SOLUTIONS LIMITED. If you do not agree to these Terms or the Privacy Policy, you must not access or use the App.
Account:
Any accounts or instances created by, or on behalf of, a User within the Services.
App:
Refers to the RIGHTCRED DATA SOLUTIONS LIMITED risk profiling application.
API:
Application programming interfaces developed, made available, and enabled by us that permit Users to access certain functionality provided by the Services.
Confidential Information:
All nonpublic information, including, but not limited to, trade secrets, computer programs, technical drawings, algorithms, formulas, processes, ideas, inventions (patentable or not), other technical or business information, physical samples, financial, business, sales information, know-how, terms of agreements, negotiations or proposals, all data, and such other information disclosed by us in whatever form and which (i) is known by the receiving party (User, or any other User's authorised representative) to be confidential; (ii) under circumstances by which the receiving party should reasonably understand such information is to be treated as confidential, whether or not marked by the disclosing party as "Confidential" or otherwise is marked as or stated to be confidential. Confidential Information may not be used, published, or redistributed by the receiving party without our prior written consent.
Data/User Data:
Any information, including Personal Data, provided by you or uploaded to the App for the purpose of generating risk profiles.
End-User:
The individual or corporate entity who ultimately uses our Products or Services, where applicable.
NDPR:
Refers to the Nigeria Data Protection Regulation 2019.
Partner APIs:
Application programming interfaces provided by third-party partners that integrate with our App to enhance or provide specific functionalities.
Personal Data:
Any information relating to an identified or identifiable natural person under the User's Account, who can be identified, directly or indirectly.
Platform:
The Website, mobile application, or any other medium through which RIGHTCRED DATA SOLUTIONS LIMITED offers its Products and Services to its customers or users.
Products:
Any of or a combination of the risk profiling tools and features developed by RIGHTCRED DATA SOLUTIONS LIMITED.
Service:
Any services or applications provided by RIGHTCRED DATA SOLUTIONS LIMITED through the App, including risk profiling functionalities and related services.
Software:
Software provided by RIGHTCRED DATA SOLUTIONS LIMITED (either by download or access through the internet) that allows Users or End-Users to use any functionality in connection with the applicable Service.
Subscription Charges:
All charges associated with the User's access to and use of an Account, where applicable.
Subscription Term:
The period during which the User has agreed to subscribe to a Service.
Sub-processor(s):
Any third-party data processor engaged by RIGHTCRED DATA SOLUTIONS LIMITED, including entities from RIGHTCRED DATA SOLUTIONS LIMITED, who receives Service Data from RIGHTCRED DATA SOLUTIONS LIMITED for processing on behalf of User and in accordance with User's instructions (as communicated by RIGHTCRED DATA SOLUTIONS LIMITED) and the terms of its written subcontract.
User/You/Your:
Refers to the individual or entity accessing or using the App.
Website/Site:
A website, domain, or application operated by RIGHTCRED DATA SOLUTIONS LIMITED, through which the Services are available to Customers.
By accessing or using the App, you confirm that you are at least 18 years of age and that you are legally able to enter into this agreement, and that you have read, understood, and agreed to be bound by these Terms. If you are using the App on behalf of an organisation, you represent and warrant that you have the right, authority, and capacity to bind such entity to these Terms, and in such a case, "you" and "your" will refer to that organisation.
If the App requires account registration, the following terms apply:
3.1. Account Creation
To access certain features of the App, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. We may seek to verify your information (by ourselves or through third parties), after which we will approve your account unless deemed risky to our business. You permit us to do all these. Each User (including natural person, business or legal entity) shall maintain only one main account at any time.
3.2. Account Security
You are responsible for maintaining the confidentiality of your account login credentials (username and password) and for all activities that occur under your account. You agree not to allow anyone else to access or use your password details and comply with all reasonable instructions we may issue regarding account access and security. In the event you share your password details, RIGHTCRED DATA SOLUTIONS LIMITED will not be liable to you for losses or damages. You will also take all reasonable steps to protect the security of the personal electronic device through which you access the App (including, without limitation, using a PIN and/or password-protected personally configured device functionality to access the App and not sharing your device with other people). You are responsible for securely managing your password(s) for the Services and to contact RIGHTCRED DATA SOLUTIONS LIMITED if you become aware of any unauthorised access to your Account.
3.3. Account Suspension and Termination
We reserve the right to suspend or terminate your account at our sole discretion, without notice or liability, for any reason, including if you violate these Terms. You may also terminate your account at any time by contacting us.
Your use of the App is contingent upon your strict adherence to the following data consent and responsibility clauses, in compliance with the NDPR:
4.1. Consent for Data Submission
You confirm and warrant that you have obtained all necessary and legally valid consent from the owner(s) of any data you submit, upload, or otherwise provide to our system through the App. This includes, but is not limited to, explicit, informed, and unambiguous consent, freely given, for the collection, processing, and storage of their data by us, as required by the NDPR. You acknowledge that we rely on this confirmation and that any failure to obtain such consent is solely your responsibility.
4.2. Consent for Data Analysis
You confirm and warrant that you have obtained explicit consent from the data owner(s) allowing us to use the submitted data for analysis. This analysis may include, but is not limited to, the generation of risk profiles, statistical evaluation, and the development of insights related to the data.
4.3. Consent for Partner API Usage
You confirm and warrant that you have obtained explicit consent from the data owner(s) allowing us to share and use their data with our Partner APIs. These Partner APIs may process the data to provide enhanced analytical capabilities, perform specific risk assessments, or integrate with other relevant services. We will ensure that any such partners adhere to appropriate data protection standards in line with NDPR requirements.
4.4. Consent for Data Retention and Future Use
You confirm and warrant that you have obtained explicit consent from the data owner(s) allowing us to retain the submitted data and use it for our legitimate business purposes. These purposes may include, but are not limited to, improving the App's algorithms, developing new features, conducting research, and ensuring the ongoing accuracy and relevance of our risk profiling models. Where possible and appropriate, data will be anonymised or aggregated for such purposes in a manner compliant with NDPR.
4.5. Data Accuracy and Legality
You are solely responsible for the accuracy, completeness, and legality of all Data you provide to the App. You must ensure that the Data does not violate any applicable Nigerian laws or regulations, including the NDPR, or infringe upon the rights of any third party.
You may use the App only for lawful purposes and in accordance with these Terms. You agree not to use the App:
Additionally, you agree not to:
Subject to your consents outlined in Section 4, and in compliance with the NDPR, we reserve the right to:
In accordance with the NDPR, data subjects whose personal data you submit through the App have the following rights, which RIGHTCRED DATA SOLUTIONS LIMITED commits to facilitating:
To exercise any of these rights, please contact our Data Protection Officer or Data Protection Lead as specified in Section 29.
If the processing of personal data involves transferring data outside of Nigeria, RIGHTCRED DATA SOLUTIONS LIMITED shall ensure that such transfers comply with the provisions of the NDPR. This may involve ensuring that the recipient country has an adequate level of data protection, or implementing appropriate safeguards such as standard contractual clauses, or relying on explicit consent of the data subject where applicable.
The App and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by RIGHTCRED DATA SOLUTIONS LIMITED, its licensors, or other providers of such material and are protected by Nigerian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
RIGHTCRED DATA SOLUTIONS LIMITED exclusively owns all rights, including intellectual property, in the Platform, Services, Products, logos, and Software, except for Third-Party Properties. The Platform may display the logos, trademarks, and service marks owned by us or others. This does not grant you a licence, and unauthorised use may breach intellectual property laws. The Platform belongs to us; these Terms do not transfer ownership.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the App will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
Warranty Disclaimer
TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE APP OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APP OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE APP, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APP IS AT YOUR OWN RISK. THE APP, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APP ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PROVIDED BY LAW, RIGHTCRED DATA SOLUTIONS LIMITED HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
Due to the complexity of long-distance data transmission, there is no possibility of ensuring absolute accuracy, security, accessibility, integrity and continuity of the provided Services. You understand that use of the Services necessarily involves the transmission of your data over networks that we do not own, operate or control, and we are not responsible for any of your data lost, altered, intercepted or stored across such networks. We do not guarantee any minimum response times or delivery times in connection with the performance of the Services. We may perform scheduled or emergency maintenance (including temporary suspension of any Services if necessary) to maintain or modify any Services without previous notice given to you and without any liability on our side.
Risk Assessment Disclaimer
The risk profiles and any other outputs generated by the App are for informational purposes only. They are not intended to constitute financial, legal, investment, or any other form of professional advice. You should not rely on the information provided by the App as a substitute for professional advice tailored to your specific circumstances. We do not guarantee the accuracy, completeness, or usefulness of any information generated by the App.
RIGHTCRED DATA SOLUTIONS LIMITED explicitly disclaims any and all liability for any decisions made by you, as a credit underwriter or business owner, or any third party, based on the risk reports or any other information provided by the App. You acknowledge and agree that you are solely responsible for all decisions and actions taken based on your interpretation and use of the information generated by the App, and you use such information at your own risk.
In no event will RIGHTCRED DATA SOLUTIONS LIMITED, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, revenues, business opportunities, goodwill or anticipated savings, indirect or consequential loss, punitive damages, personal injury, pain and suffering, emotional distress, loss of use, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.
Liability Cap: RIGHTCRED DATA SOLUTIONS LIMITED's total liability arising out of or relating to these Terms is limited to the greater of (i) NGN 50,000 Naira or (ii) the fees that you paid to use the relevant services in the twelve (12) months before the breach giving rise to the liability.
You agree to defend, indemnify, and hold harmless RIGHTCRED DATA SOLUTIONS LIMITED, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the App, including, but not limited to, your submission of Data without proper consent, any use of the App's content, services, and products other than as expressly authorised in these Terms, or your use of any information obtained from the App.
Indemnification Process: If an indemnity obligation arises, you shall: (a) promptly notify us of the claim, (b) provide reasonable assistance in defence and settlement at our expense, (c) we will control the defence and settlement. You cannot settle without our written consent if it adversely affects our rights or interests or adds obligations.
We may terminate or suspend your access to all or part of the App immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms, if we are required to do so under law, in case of liquidation, if we choose to discontinue the Service being offered or discontinue operating the Platform, if the licence granted to use the Platform expires, or in the event of non-payment of outstanding sum. Upon termination, your right to use the App will immediately cease. Termination of these Terms, for any reason, does not relieve you of your obligations, including but not limited to repaying any outstanding sum.
All matters relating to the App and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the Federal Republic of Nigeria without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the App shall be instituted exclusively in the courts of Lagos State, Nigeria.
16.1. Classification
RIGHTCRED DATA SOLUTIONS LIMITED may classify certain services or technology, including a particular release or feature, as Beta. Services or Technology may be generally available in some circumstances (e.g., in some countries or regions) while still classified as Beta in other circumstances.
16.2. Nature of Beta Services
By their nature, Beta Services may be feature-incomplete or contain bugs. RIGHTCRED DATA SOLUTIONS LIMITED may describe limitations that exist within a Beta Service; however, your reliance on the accuracy or completeness of these descriptions is at your own risk. You should only use Beta Services in a production environment until and if you understand and accept the limitations and flaws that may be present in Beta Services.
16.3. Feedback
Unless RIGHTCRED DATA SOLUTIONS LIMITED otherwise agrees in writing, your use of Beta Services is confidential, and you must provide timely Feedback on the Beta Services in response to RIGHTCRED DATA SOLUTIONS LIMITED's requests.
16.4. Availability During Beta Period
RIGHTCRED DATA SOLUTIONS LIMITED may suspend or terminate your access to any Beta services at any time. We're constantly developing new technologies and features to improve our Services and Products. As part of this continual improvement, we sometimes add or remove features and functionalities, increase or decrease limits on our Services and start offering new services or stop offering old ones. When a Product requires or includes downloadable software, that software sometimes updates automatically on your device once a new version or feature is available. Some Products let you adjust your automatic update settings. If we make material changes that negatively impact your use of our Products or if we stop offering a service, we'll provide you with reasonable advance notice, except in urgent situations such as preventing abuse, responding to legal requirements, or addressing security and operability issues.
A high-speed Internet connection is required for proper transmission of the Services. You are responsible for procuring and maintaining the network connections that connect your network to the Services, including, but not limited to, browser software that supports protocols used by the Product(s) or other protocols accepted by RIGHTCRED DATA SOLUTIONS LIMITED, and for following procedures for accessing services that support such protocols.
Important: RIGHTCRED DATA SOLUTIONS LIMITED is not responsible for notifying you, your agents, or End-Users of any upgrades, fixes or enhancements to any such software or for any compromise of data, including Service Data, transmitted across computer networks or telecommunications facilities (including but not limited to the Internet) which are not owned, operated or controlled by RIGHTCRED DATA SOLUTIONS LIMITED. RIGHTCRED DATA SOLUTIONS LIMITED assumes no responsibility for the reliability or performance of any connections as described in this Section.
Unless otherwise authorised by RIGHTCRED DATA SOLUTIONS LIMITED in this Agreement or expressly agreed to otherwise in writing by RIGHTCRED DATA SOLUTIONS LIMITED, you may not use the Services in any manner where you act as a service bureau or provide any outsourced business process services on behalf of more than one (1) third party (other than Affiliates) through a single Account.
Commercial Restrictions: This provision is not intended to prevent or inhibit the use of the Services to provide business support to multiple End-Users; however, you agree not to licence, sublicense, sell, outsource, rent, lease, transfer, assign, distribute, time-share or otherwise commercially exploit or resell the Services to any third party, other than authorised users and End-Users in furtherance of your internal business purposes as expressly permitted by this Agreement, unless expressly agreed to otherwise in writing by RIGHTCRED DATA SOLUTIONS LIMITED. Without limiting the foregoing, your right to access and use the services is also subject to the restrictions and policies implemented by RIGHTCRED DATA SOLUTIONS LIMITED from time to time with respect to the service as set forth in the Documentation or otherwise communicated to you in accordance with this Agreement.
You may be required to purchase or pay a fee to access some of our services. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the App. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. We bill you through an online billing account for purchases made via the App.
Our pricing for data analysis reports is as follows:
| Service | Price |
|---|---|
| Personal Data Analysis Report | NGN 2,000 |
| Business Data Analysis Report | NGN 2,500 |
We may add VAT or other applicable taxes to the price of purchases as necessary. We reserve the right to change prices at any time. All payments shall be in Nigerian Naira. You agree to pay all charges or fees at the prices in effect for the selected service and authorise us to charge your chosen payment provider accordingly.
Delinquency Consequences
If you fail to make payments within 5 (five) days of notice of delinquency, RIGHTCRED DATA SOLUTIONS LIMITED reserves the right to:
Billing Corrections: RIGHTCRED DATA SOLUTIONS LIMITED reserves the right to correct any errors or mistakes in billing and pricing, even after payment has been received, and to refuse any order or purchase that does not comply with these terms.
You own all your User Information entered and stored via the Platform. You are responsible for the information's reliability and accuracy. We store your User Information for your convenience. By accepting these Terms, you authorise us to use your User Information, including personal information, for authentication and updates to your credentials.
Usage Limitation: RIGHTCRED DATA SOLUTIONS LIMITED will not use the information you provide for any other reason not explicitly stated in these Terms or our Privacy Policy.
To avoid data loss, we back up your data every day for 7 days. We guarantee that data processing regulations are met. You guarantee compliance with data processing requirements by ensuring that User Information provided by you does not violate third-party rights. You undertake to hold us harmless from any third-party claims relating to this data or the agreement.
RIGHTCRED DATA SOLUTIONS LIMITED may use third-party service providers that are utilised by RIGHTCRED DATA SOLUTIONS LIMITED to assist in providing the Services to you. Any third-party service providers utilised by RIGHTCRED DATA SOLUTIONS LIMITED will be subject to confidentiality obligations that are substantially similar to the confidentiality terms herein. RIGHTCRED DATA SOLUTIONS LIMITED shall be responsible for the acts and omissions of members of RIGHTCRED DATA SOLUTIONS LIMITED's third-party service providers to the same extent that RIGHTCRED DATA SOLUTIONS LIMITED would be responsible if RIGHTCRED DATA SOLUTIONS LIMITED were performing the services of each third-party service provider directly under the terms of this Agreement.
22.1. Safeguards
RIGHTCRED DATA SOLUTIONS LIMITED will maintain appropriate administrative, physical, and technical safeguards for protection of the security, confidentiality and integrity of Service Data in accordance with industry best practices and applicable Nigerian data protection laws.
22.2. Service Data
RIGHTCRED DATA SOLUTIONS LIMITED will, and you hereby instruct RIGHTCRED DATA SOLUTIONS LIMITED to, access Service Data to provide, secure and improve the Services. You are solely responsible for the accuracy, content, and legality of all Service Data. To improve RIGHTCRED DATA SOLUTIONS LIMITED machine learning functionality, RIGHTCRED DATA SOLUTIONS LIMITED models will only be trained on Service Data which has been subject to de-identification processes where appropriate and compliant with NDPR.
In order to access and utilise the services and tools provided through our platform, you are required to either download and install our mobile application ("App") or use our services directly on our website. RIGHTCRED DATA SOLUTIONS LIMITED hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable right to use the Platform. Please note that the Platform is licensed to you and not sold, and its usage is subject to the terms and conditions outlined herein. You may also access and use the Platform on various electronic devices, including mobile phones, tablets, and other compatible devices.
Your use of the Platform is contingent upon your compliance with these Terms and Conditions. Any violation of these terms may result in the revocation of your licence to use the Platform.
The Software may use or include third-party open-source software, files, libraries or components that may be distributed to you and are subject to third-party open-source licence terms. If there is a conflict between any open-source licence and the terms of this Agreement, then the open source licence terms shall prevail, but solely in connection with the related third-party open-source software. In accordance with the law, RIGHTCRED DATA SOLUTIONS LIMITED disclaims all warranties and indemnities with regard to any third-party open-source software.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights. We shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgement or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.
The owner of the App is based in Nigeria. We provide this App for use primarily by persons located in Nigeria. We make no claims that the App or any of its content is accessible or appropriate outside of Nigeria. Access to the App may not be legal by certain persons or in certain countries. If you access the App from outside Nigeria, you do so on your own initiative and are responsible for compliance with local laws.
We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the App thereafter. Your continued use of the App following the posting of revised Terms means that you accept and agree to the changes.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.
These Terms and our Privacy Policy constitute the sole and entire agreement between you and RIGHTCRED DATA SOLUTIONS LIMITED regarding the App and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the App.
You may not assign any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms at any time, in our sole discretion, without notice to you.
We will not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that are caused by events outside of our reasonable control ("Force Majeure Event"). A Force Majeure Event includes in particular (but without limitation) the following: strikes, lockouts or other industrial action; civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war; cyberattacks; fire, explosion, storm, flood, earthquake, subsidence, epidemic, pandemic or other natural disaster or Act of God; nuclear, chemical or biological contamination or sonic boom; impossibility of the use of public or private telecommunications networks; the acts, decrees, legislation, regulations or restrictions of any government; the non-delivery or late delivery of products or Service to us by third parties; or any other event beyond a Party's reasonable control. Our performance under these Terms and Conditions is deemed to be suspended for the period that the Force Majeure Event continues, and we will have an extension of time for performance for the duration of that period.
The App may contain links to other websites and resources provided by third parties from time to time. These links are provided for your convenience. We do not endorse or take responsibility for the content of those websites, we are not responsible for the availability of them and will not be liable in any way for any loss or damage which you may suffer by your use or inability to use those websites. If you decide to access linked websites you do so at your own risk. If you purchase any goods or services from a third party or third party website to which we provide a link, your contract for the supply of those goods and services will be with that third party. Reference to any product or service on the site does not constitute an offer to sell or supply that product or service and does not mean that the product or service is available in all countries or that the name and description of any product in your country will be the same as that included on the site.
We reserve the right, but not the obligation, to: (a) monitor the Site for violations of these Terms of Use; (b) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (c) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any content or any portion thereof; (c) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (e) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.
If we fail at any time to insist upon strict performance of any of your obligations under any of these Terms, or if we fail to exercise any of the rights or remedies to which we are entitled under these Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations. A waiver by Us of any default shall not constitute a waiver of any subsequent default. No waiver by us of any of these Terms shall be effective unless it is expressly stated to be a waiver and is communicated to you in writing in accordance with these Terms.
For any questions or concerns regarding your personal data or the exercise of your data subject rights under the NDPR, please contact our Data Protection Officer/Lead at:
Email: [Your DPO/Data Protection Lead Email Address]
Phone: [Your DPO/Data Protection Lead Phone Number]
To ask questions or comment about these Terms, please contact us at:
RIGHTCRED DATA SOLUTIONS LIMITED
RC 8233667
Address: 3A, CRESCENT B, OBA ADEYINKA OYEKAN ESTATE, LEKKI PHASE 1, LAGOS STATE, NIGERIA
Email: [Your Company General Email Address]
Phone: [Your Company Phone Number, if applicable]
If you have any complaints or reservations about us or any of the Services we provide, you may contact us via [Your Company General Email Address for Complaints].
Q1: What data do you collect through the App?
A1: We collect the data that you, as the User, submit or upload to the App for the purpose of generating risk profiles. This may include various types of personal or non-personal information depending on the nature of the risk assessment. Please refer to our Privacy Policy for full details.
Q2: How do you ensure I have consent from data owners?
A2: By using our App and submitting data, you explicitly confirm and warrant that you have obtained all necessary and legally valid consent from the data owner(s) for the collection, processing, analysis, and sharing of their data with our App and its partners, in compliance with NDPR. We rely on your confirmation in this regard.
Q3: Can you share the data I provide with other companies?
A3: Yes, with your confirmed consent from the data owner, and in compliance with NDPR, we may share and use the data with our trusted Partner APIs. This is done to enhance analytical capabilities, perform specific risk assessments, or integrate with other relevant services. Any such sharing will adhere to our Privacy Policy and applicable Nigerian data protection laws.
Q4: How long do you keep the data I submit?
A4: We retain the data for as long as necessary to fulfil the purposes for which it was collected, including providing the Service, improving our algorithms, developing new features, and complying with legal obligations under Nigerian law. Where appropriate, data may be anonymised or aggregated for long-term retention and research.
Q5: Are the risk profiles generated by the App professional advice?
A5: No, the risk profiles and any other outputs from the App are for informational purposes only. They are not intended to constitute financial, legal, investment, or any other form of professional advice. You should always seek professional advice tailored to your specific circumstances.
Q6: What happens if I provide data without proper consent?
A6: You are solely responsible for obtaining all necessary consents for any data you provide. If you provide data without proper consent, you will be in breach of these Terms and agree to indemnify us against any claims or liabilities arising from such a breach. We may also terminate your access to the App.
Q7: What are my rights as a data subject under NDPR?
A7: Under the NDPR, you have rights including the right to access, rectify, erase ("right to be forgotten"), restrict processing, port your data, and object to processing. You also have rights regarding automated decision-making. Please refer to Section 7 for more details and how to exercise these rights.
