When you enroll to access this service, you represent that you are a natural person at least eighteen (18) years of age and residing in the Federal Republic of Nigeria. You further agree to provide FirstCentral with personal information necessary to access and provide our services to you.

Note: You understand that it is a violation of law for you to obtain credit information (credit report, credit score and/or other similar or related reports) for anyone other than yourself. Where you unlawfully access credit information other than yours, you may be legally liable for personal data breach claims, including identity fraud.

You warrant that you are accessing the service for yourself and not on behalf of any other individual. You agree that your use of this service does not violate applicable laws and that you agree with these service terms and FirstCentral’s Privacy Policy. You further agree that your use of the services constitutes your acceptance of these service terms. If you do not agree to these service terms, you should not access this service.

The process may prompt you to provide personal information such as your full name, birth date, residence address, email address, bank verification number etc  Entering and maintaining accurate information when accessing this service is critical to the accuracy and availability of the service we provide to you. During the process, you may be prompted to complete a one-time identity authentication.

By registering, you are authorizing FirstCentral to:

(i) retain a copy of your personal information together with other information you are submitting, and (ii) use the information (a) to the extent necessary to process your order and/or engage in business maintenance, (b) to match you with product and service offers from FirstCentral, which offers shall be sent via email or through display of advertising on FirstCentral’s website, and (c) to use such information to provide statistical analysis and reports in aggregate with other users’ information. FirstCentral will not share the information you provide with any third party.

The credit score provided under the offer described here uses a proprietary credit scoring model designed by FirstCentral. There are numerous other credit scores and models in the marketplace, please keep in mind third parties may use a different credit score when evaluating your creditworthiness. Also, third parties may take into consideration items other than your credit score or information found in your credit file, such as your income.

Unless otherwise indicated, all credit scores furnished on our platforms are FirstCentral’s Credit Scores. By this, we mean that (unless otherwise indicated) all credit scores are prepared by FirstCentral and make use of the FirstCentral’s credit scoring model, which is a proprietary credit score model developed by FirstCentral. Third parties use many different types of credit scores and may not use the FirstCentral’s Credit Score to assess your creditworthiness. When prepared and delivered to you as part of any product, our Credit Score is provided for educational purposes solely to help you understand how lenders may evaluate your overall credit risk. Therefore, nothing in any of our products is an endorsement or a determination of a person’s qualification for a loan, or any other extension of credit. Each lender has specific underwriting standards, so you should not assume that you will receive the same evaluation. FirstCentral does not represent that the FirstCentral Credit Score is identical or similar to any other credit score or score model. Moreover, any estimated score changes predicted by our products are only estimates and are provided for educational purposes solely to enable you to determine how future financial decisions might impact your credit score. In all instances, the information we use to calculate your FirstCentral credit score is derived from the information on your credit report. Furthermore, your FirstCentral Credit Score may change every time new information is added to or removed from your credit information as well as with the passage of time.