Terms of Service

1. Acceptance of Terms

Welcome to CrediQ, a credit scoring platform operated by Kang FinTech Solutions ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our platform, website, and services (collectively, the "Service").

By accessing or using CrediQ, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these terms, you may not access the Service. These Terms apply to all users of the Service in Cameroon and comply with applicable laws, including BEAC regulations and COBAC standards.

2. Description of Service

CrediQ provides credit scoring and financial assessment services specifically designed for the Cameroonian financial landscape. Our services include:

• Personalized credit score calculations and assessments
• Financial health analysis and recommendations
• Mobile money transaction analysis (MTN, Orange Money)
• Credit history tracking and monitoring
• Financial literacy resources and guidance
• Integration with local banking and financial institutions

3. User Accounts and Registration

3.1 Account Creation

To use certain features of our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and update your account information
• Keep your login credentials secure and confidential
• Be at least 18 years old or the age of majority in Cameroon
• Notify us immediately of any unauthorized account access

3.2 Account Responsibility

You are responsible for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

4. Acceptable Use Policy

4.1 Permitted Uses

You may use our Service for legitimate financial assessment and credit monitoring purposes in accordance with these Terms.

4.2 Prohibited Activities

You agree not to:

• Provide false, misleading, or fraudulent information
• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use automated systems to access the Service without permission
• Share your account credentials with third parties
• Reverse engineer or attempt to extract source code
• Violate any applicable laws or regulations

5. Financial Information and Data Accuracy

5.1 Information Accuracy

You represent and warrant that all financial information you provide is accurate, complete, and current. Inaccurate information may result in incorrect credit assessments and could affect your financial opportunities.

5.2 Data Sources

Our credit scoring algorithms may incorporate data from various sources, including:

• Information you directly provide
• Mobile money transaction histories (with your consent)
• Banking and financial institution records
• Credit bureau reports and public records
• Utility and service payment histories

5.3 Consent for Data Access

By using our Service, you consent to our accessing and analyzing your financial data from authorized sources for credit assessment purposes. You may withdraw this consent at any time, which may limit our ability to provide certain services.

6. Credit Scores and Reports

6.1 Score Accuracy

While we strive to provide accurate credit scores, we cannot guarantee their precision or completeness. Scores are estimates based on available data and our proprietary algorithms designed for the Cameroonian financial environment.

6.2 No Financial Advice

Our Service provides educational information and credit assessments but does not constitute financial, legal, or investment advice. You should consult with qualified professionals for personalized financial guidance.

6.3 Score Updates

Credit scores may change based on new information and updated financial behavior. We update scores periodically, but real-time accuracy cannot be guaranteed.

7. Third-Party Services and Integration

Our Service may integrate with third-party financial institutions, mobile money providers, and credit bureaus. These integrations are subject to separate terms and privacy policies. We are not responsible for the practices or content of third-party services.

Links to third-party websites or services do not constitute endorsement. You access these services at your own risk and subject to their respective terms.

8. Intellectual Property Rights

8.1 Our Property

The Service, including its algorithms, software, design, content, and trademarks, is owned by Kang FinTech Solutions and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

8.2 Your Data

You retain ownership of your personal and financial data. By using our Service, you grant us a limited license to process your data as described in our Privacy Policy and these Terms.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We comply with applicable data protection laws in Cameroon and implement appropriate security measures to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.

10. Disclaimers and Limitations of Liability

10.1 Service Disclaimer

The Service is provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

10.2 Limitation of Liability

To the maximum extent permitted by law, Kang FinTech Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

10.3 Financial Decisions

We are not responsible for financial decisions made based on our credit scores or recommendations. Users should conduct their own research and seek professional advice before making financial commitments.

11. Indemnification

You agree to indemnify, defend, and hold harmless Kang FinTech Solutions and its affiliates from and against any claims, damages, losses, costs, and expenses arising from your use of the Service, violation of these Terms, or infringement of any rights of another party.

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your dashboard.

12.2 Termination by Us

We may suspend or terminate your account immediately, without prior notice, for violation of these Terms, fraudulent activity, or any conduct that we determine is harmful to our Service or other users.

12.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We may retain certain information as required by law or for legitimate business purposes.

13. Governing Law and Dispute Resolution

13.1 Applicable Law

These Terms are governed by the laws of Cameroon and applicable CEMAC regulations. Any disputes shall be resolved in accordance with Cameroonian law.

13.2 Dispute Resolution

Before pursuing legal action, parties agree to attempt good faith negotiations to resolve disputes. If unsuccessful, disputes shall be resolved through binding arbitration in accordance with Cameroonian arbitration laws.

14. Changes to Terms of Service

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through our platform at least 30 days before taking effect.

Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms. If you disagree with changes, you must stop using the Service and may terminate your account.

15. Contact Information

For questions about these Terms or our Service, please contact us:

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Kang FinTech Solutions regarding the use of our Service. They supersede all prior agreements and understandings, whether written or oral.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. Invalid provisions will be replaced with valid provisions that most closely reflect our original intent.