This Terms and Conditions (the “Terms”) governs your use and access to Credit WareHouse website, including all pages on this Website. By using this Website, you agree to be bound by the terms contained herein in full. We recommend that you DO NOT use this Website if you have any objection to any of these Terms and you may contact us for any clarifications or request for details.


Last Updated: October 7, 2019.

1.1 Eligibility

Our website and services are directed to people from the ages of 21 and above. By accepting our terms and conditions, we recognize that you (our “User”) is aged 21 or above. If you are below 21 years of age, we advise you to procure your Guardian to request for our service on your behalf.

1.2 Agreement

This Agreement is a contract between you and Credit WareHouse Limited, a Nigerian company, and governs your use of all Credit WareHouse Services. Using the Credit Warehouse Services means that you have accepted the terms contained in this Agreement. We grant you a non-assignable, non-exclusive and revocable permission to use the software provided as part of our services in the manner permitted by these Terms. This permission includes all updates, upgrades, new versions and replacement software for you to use in connection with our services.

1.3 Intellectual Property Rights

The Website and all of their contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design together with its tiles, selection and arrangement thereof) are owned by Credit WareHouse, its licensors, or other providers of such material and are protected by their respective copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Given that this Terms grant to you a non-exclusive, non-transferable, and revocable license to access and use the website, you must not reproduce, distribute, modify, create any derivative works, publicly display, publicly perform, republish, download, store or transmit any of the material on our Site in such a manner contradictory to its intended use.

Any use of the Site not expressly permitted by this Terms is a breach of these Terms of Use and violates our intellectual property rights, this agreement and or any other legislations.

1.4 Trademarks

CREDITWAREHOUSE, WHODEYOWE, CONNECTOR SERVICES, and all related names, logos, product and service names, designs, and slogans are trademarks of CREDITWAREHOUSE. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans not affiliated with Credit WareHouse are free to be used, subject to permission and terms as expressed by the creators of those assets.

1.5 User Prohibition

You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Site:

  • In any way that violates any applicable federal, state, local, or international law or regulation.
  • To send, knowingly receive, upload, download, use, or re-use any material which does not comply with the Content Standards set out in these Terms of Use.
  • To transmit, or procure the sending of, any advertising, promotional, or otherwise unsolicited material, including but not limited to any "junk mail", "chain letter," "spam," or any other similar solicitation.
  • To impersonate or attempt to impersonate another user or an employee of Credit WareHouse and or any other persons or entities (including without limitation using their e-mail addresses or screen names).
  • To engage in any other conduct that restricts or inhibits anyone's use of the Site, or which, as determined by us, may harm our Employees or agents and or any Users of the Site or expose any such persons to any liability.
  • To monitor, scrape, index, or otherwise copy any of the material on the Site by means of any robot, spider, or other automatic device, process, or means, regardless of whether such use may be considered a fair use under Nigeria’s Legislations.

Additionally, you agree not to interfere with or attempt to interfere with the proper working of the Site, including but not limited to:

  • Use the Site in a manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site;
  • Use any device, software or routine that interferes with the proper working of the Site; introducing any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful;
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any part of the Site, the server on which the Site are stored, or any server, computer, or database connected to the Site; or
  • Attack the Site via a denial-of-service attack or distributed denial-of-service attack.

Engaging in a prohibited use of the Site may result in civil, criminal, and/or administrative actions, damages arising from breach of contract and or loss of revenues, fines, or sanctions against the user.

1.6 Charges for Services

We reserve the right to update, modify or amend this Privacy Policy from time to time with or without notice using our sole discretion. This Privacy Policy will be governed by and in accordance with the laws of the Federal Republic of Nigeria.

1.7 Disclaimer and Limitation of liability

Credit WareHouse will always ensure that the website is available at all times and bug free. However, we provide all materials “as is” with no warranty, express or implied, that is website is completely free of any kind of malwares. We expressly disclaim any implied warranty, availability, security, title, and non-infringement of intellectual property rights, without limiting the generality of the foregoing.

In no event will Credit WareHouse, and its affiliates or their licensors, service providers, employees, agents, officers, or directors be liable for any loss or damages, under any legal theory, arising out of or in connection with your use, or inability to use, the Site, any content on the Site or such other websites or any services obtained through the Site or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

Credit WareHouse services include:

  1. The Connector Service
  2. The Contract Manager
  3. The Market Place
  4. WhoDeyOwe! Report Platform

1.8 Indemnification

You agree to indemnify, defend, and hold harmless Credit WareHouse, from any claims, losses, damages, costs, and liabilities including legal fees, resulting from your violation of this Terms, your use of the Site, to fully cooperate in defense against any such claims. If you intend to input or place any data on the website, you agree that the DATA SHARING CONTRACT you or your organization signed is deemed incorporated into this Terms.

1.9 General

We may revise these Terms from time to time, the most current version of the Terms which will always be updated on www.creditwarehouse.io. Any updates to our Terms of Service are legally binding and all relevant changes will be emailed to you. Subject to this term of use, if you continue to use our services after the changes become effective, you agree to be bound by the revised Terms.


Given our operations, we obtain and process data or information. This information or data includes any real-time or online data relates to an identifiable person such as names, email addresses, usernames and passwords, digital footprints, photographs, gender, financial data. Your use of any of our services is an expressed acceptance of our DATA PROTECTION and PRIVACY POLICY. Click here to study our Privacy Policy (https://creditwarehouse.io/privacy/)