Draft for review. These terms should be checked by a qualified legal adviser before Creda launches publicly.
What Creda is — and isn't
Creda helps businesses organise their information and share it, with consent, with participating licensed lenders. Creda is not a bank, microfinance institution or lender. We do not lend money, approve credit, disburse funds or collect repayments. Any financing is provided solely by the lender under its own agreement with you.
No guarantee of credit
Submitting an application does not guarantee an offer. Lenders make their own decisions based on their own assessment. Offers shown on Creda are made by lenders, and accepting one on Creda signals your interest — the final terms are set in the lender's own agreement.
Your responsibilities
Provide accurate, truthful information and documents you are entitled to share. Keep your login details safe. Do not use Creda for fraud, to impersonate others, or to upload unlawful content.
Lending partners
Lenders on Creda must hold the relevant licence and have an active partnership agreement with Creda. They may only use your information to assess your financing request.
Suspension
We may suspend accounts that break these terms or put other users at risk.
Liability
Creda is not responsible for a lender's decisions, terms or conduct. We work to keep the service available and secure but cannot guarantee it will be uninterrupted.
Privacy
See our Privacy Policy.
Contact
Questions? Contact us.
Last updated: October 2026. Governed by the laws of Ghana.