Terms of Service

Last Updated: June 2026

Welcome to Credo. These Terms of Service govern your use of the Credo platform, including the WhatsApp bot, web application, and related services. By using Credo, you agree to these Terms.

1. About Credo

Credo is a digital platform designed to help Village Savings and Loan Associations (VSLAs), savings groups, and similar community financial groups manage their records, memberships, savings, shares, loans, repayments, and related activities.

Credo provides recordkeeping and communication tools. Credo is not a bank, microfinance institution, investment manager, or regulated financial institution.

2. Eligibility

You may use Credo only if you are authorized by your group or are participating in a group that uses the platform.

You are responsible for ensuring that information you provide is accurate and up to date.

3. User Accounts

Users are responsible for maintaining the security of their accounts and devices. You are responsible for activities performed through your registered phone number or account credentials.

You must not impersonate another person or provide false information when using the platform.

4. Group Administration

Group administrators and leaders are responsible for managing membership, approving requests, assigning roles, and maintaining the integrity of their group.

Credo does not verify the identity of group members beyond the information provided by users and group administrators.

5. Financial Records

Credo records transactions entered by authorized users and group officers. Users are responsible for reviewing and confirming the accuracy of transactions.

Credo does not guarantee the accuracy of information entered by users and is not liable for losses resulting from incorrect data entry, unauthorized actions, or misuse of the platform.

6. Acceptable Use

Users must not:

Use the platform for unlawful purposes;
Attempt to gain unauthorized access to accounts or data;
Interfere with the operation or security of the platform;
Transmit malicious software or harmful content;
Use the platform to harass, abuse, or impersonate others.

7. Data and Privacy

Your use of Credo is also governed by our Privacy Policy. By using the platform, you consent to the collection and use of information described in the Privacy Policy.

8. Service Availability

We aim to keep the platform available and reliable but do not guarantee uninterrupted service. Maintenance, upgrades, third-party outages, network issues, or events beyond our control may affect availability.

9. Limitation of Liability

To the maximum extent permitted by law, Credo and its operators shall not be liable for indirect, incidental, consequential, or special damages arising from the use of the platform.

Users and groups remain responsible for their own financial decisions, recordkeeping practices, governance, and internal controls.

10. Suspension or Termination

We may suspend or terminate access to the platform where necessary to protect the security, integrity, or lawful operation of the service.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the platform after changes are published constitutes acceptance of the updated Terms.

12. Contact

For questions regarding these Terms, please contact:

Credo Support
Email: info@nunumart.com