Terms of Service
This is a draft template describing the platform's actual technical behaviour. It is not a substitute for review by qualified Nigerian legal counsel before publication or reliance.
What the platform is
CreditPulse is technology and orchestration software for licensed lenders' collections and recovery operations. It does not hold, pool, or settle customer funds, and it is not itself a payment institution.
Debits are executed through the lending organisation's own licensed payment provider integration, under mandates authorised by the lender's customers.
No compliance guarantee
Using this platform does not, by itself, constitute compliance with FCCPC, CBN, or any other regulatory regime. The lending organisation remains responsible for determining and maintaining its own regulatory compliance, informed by qualified counsel.
Responsibilities of the lending organisation
The lending organisation is responsible for the accuracy of loan, mandate, and customer data it imports; for configuring collection and contact policies within applicable law; and for reviewing and approving rule versions before they run automated actions on its behalf.
Service levels and provider dependencies
Where the platform integrates with a third-party payment or communications provider, service availability depends on that provider. Provider outages are surfaced in the application, not silently masked as success.
Changes
These terms may be updated as the platform evolves. Material changes affecting an active lending organisation will be communicated in advance.