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CredChek terms for shops

Effective date: [[EFFECTIVE DATE]] · Version: [[VERSION]]

These terms apply when a shop or other business uses a business account on CredChek to register its stock and pass each record to the buyer after a sale. CredChek is provided by [[LEGAL ENTITY NAME]] ("we"), [[REGISTERED ADDRESS]], Lagos, Nigeria. Our registry privacy notice explains how we handle your information and your buyers' information.

These terms are separate from our terms of service for business, which cover manufacturers using our product checks. People who check, register or receive an item use CredChek under our registry terms of use.

1. What a business account is

A business account lets you record the items you hold for sale, so a buyer can check an item before buying and receive its record after the sale.

A stock record is not proof of legal ownership, not a title document and not a guarantee that an item is lawfully held. It shows what you registered with us and when. We do not inspect your stock, and we do not decide who owns an item in law.

2. Your account

  • You set up the account with your business phone number, a confirmed business email and a password. Give us your real business name and address, and keep them up to date.
  • Keep your password and your codes private. You are responsible for everything done in your account, including by your staff.
  • Changing your phone number, email or password needs a fresh code from your phone. A new password signs out every other session.
  • After several wrong passwords we may ask for an extra check or pause sign-in for a while. This protects your stock records.

3. Registering stock

  • Register only items you hold lawfully and have the right to sell. Give the correct numbers for each item.
  • You can add one item or a list for the same make and model. If any line has a problem, we add nothing from that list and tell you which lines to fix.
  • We refuse a number that is already registered to someone else or has been reported. We do not say which. Do not sell an item we refuse until you are sure where it came from. Contact us if you think we are wrong.
  • An item you have transferred stays in your history. You cannot register it again as new stock.

4. Plans and payment

  • Your plan sets how many items your current stock can hold. Current stock counts items in stock and items waiting for a buyer to accept. A space frees up only when the buyer accepts.
  • One plan is free. Paid plans last one year from payment. We show the price and the number of spaces before you pay, and a payment provider takes the payment. We never see your card details.
  • Paying again for the plan you are on adds a year. Moving to a different paid plan starts a new year from that payment, and unused time on the old plan is not credited [[COUNSEL]]. Moving to the free plan ends your paid time without a refund [[COUNSEL]].
  • You cannot move to a plan that is smaller than your current stock.
  • When a paid plan ends, you keep every record, but you can add stock only up to the free plan's spaces until you renew.
  • We may change prices and spaces. A new price applies from your next payment, not to a year you have already paid for [[COUNSEL]]. Payments are not refundable unless the law or the payment provider's rules require it [[COUNSEL]].

5. Transferring a record to a buyer

  • Start a transfer only after you sell or give the item to that person. Enter the buyer's correct name and phone number. An email address is optional.
  • Enter a buyer's details only with their agreement to get a message from us about the transfer [[COUNSEL: lawful basis and notice to the buyer]]. We use their details only to send the transfer and record who accepted it.
  • We send the buyer a link. They sign in with their own phone and accept with a code we send to that phone. Until they accept, the item stays in your stock and uses a space.
  • You can cancel a transfer while it is waiting. We tell the buyer. A transfer that is not accepted in the time shown expires, and the item goes back to your stock.
  • When the buyer accepts, the record leaves your stock and becomes the buyer's registration. You cannot undo an accepted transfer. Contact us if a transfer was made by mistake.

6. What you must not do

  • Register items you do not hold, or items you know or suspect are stolen.
  • Use CredChek to make an item look cleaner than it is, or to pass a record to someone who did not buy or receive the item.
  • Enter a person's number to send them messages they did not agree to.
  • Copy, scrape or bulk-check numbers, or try to find out who owns an item or where they live.
  • Share your account outside your business, or get around our limits, checks or challenges.

7. What we may do

If we find that an account breaks these terms, or we have good reason to think it is being used to handle stolen goods, we may:

  • refuse or remove stock records, or cancel waiting transfers;
  • pause or close the account, or limit what it can do;
  • keep the history of the account, its stock and its transfers;
  • pass information to the police or other authorities where the law lets us [[COUNSEL]].

You may be responsible under the law for harm caused by false records or by selling stolen goods [[COUNSEL]].

8. Closing your account

You can ask us to close your account at [[SUPPORT CONTACT]]. Cancel or complete waiting transfers first. We keep the history of your stock and transfers that buyers and other people may rely on, and records the law requires, for as long as [[COUNSEL: retention period]].

9. Availability

We work hard to keep the service available, but we do not promise it is always available, instant or error free. Text messages depend on networks and providers we do not control. A failed or busy request is never a statement about an item.

10. Liability

[[COUNSEL TO DRAFT and check against the Federal Competition and Consumer Protection Act 2018 and any other mandatory law.]] Intended position:

  • To the extent the law allows, we are not liable for loss caused by relying on a stock record, a check result, a buyer's details you entered, or a network or provider failure.
  • Our total liability to you in any year is limited to [[COUNSEL: for example, what you paid us for plans in that year]].
  • Nothing here limits liability that cannot be limited by law.

11. Law and disputes

These terms are governed by the laws of [[the Federal Republic of Nigeria, COUNSEL TO CONFIRM]]. Please contact us at [[SUPPORT CONTACT]] before going to court. [[COUNSEL: dispute forum, and whether arbitration applies to businesses]]

12. Changes

We may update these terms. If a change is significant, we will tell you by email or when you sign in before it applies, and we will record the version you accept.

Contact

[[LEGAL ENTITY NAME]] · [[SUPPORT CONTACT]] · [[POSTAL ADDRESS]]

Terms for shops · CredChek