Terms of Use

Welcome to the QoreID website (“the Platform”), an online resource owned and controlled by QoreID Limited (“QoreID” which include its affiliates, parent company and related companies).


1.1 These Terms of Use constitutes a legally binding contract between you, (whether as a guest or registered user) and QoreID in your access and use of the Platform as well as its content, website, services and functionality made available on or through the Platform (collectively referred to as “the Services”). We therefore kindly request that you carefully read through these Terms and Conditions of Use (the “Terms of Use”) before using the Platform.

1.2 By using the Platform, you accept the terms and conditions contained on this Platform, which shall govern your use of this Platform, including all pages or links on the Platform. If you do not agree to these Terms of Use or our Privacy Policy, please do not use the Platform and/or the Services. In addition, if you do not agree to these Terms of Use or our Privacy Policy, you agree that your sole and exclusive remedy is to discontinue using this Platform. That notwithstanding, if you proceed to browse, access, or use our Platform in any manner, it will be deemed that you have accepted, without limitation or qualification, these Terms of Use and our Privacy Policy (the “Policy”).

2. AGE

You must be at least 18 (eighteen) years old to use our Platform or any of our services; by using our Platform or agreeing to these terms and conditions, you represent and warrant to us that you are at least 18 years of age. Individuals under the age of 18, or applicable age of maturity, may utilize our services only with involvement of a parent or legal guardian, under such person’s account.


To fully enjoy our Services, you may be required to create an account and in which case you will be given (or you may provide) a username and password. Certain areas of our Platform are only accessible through the use of username and passwords (“User Restricted Areas”). Please note that you are fully and solely responsible for any and all use of the services and as such, you are required to keep your password secret at all times. Do not share your password with any third party or allow another person to access the User Restricted Areas using your password. Kindly notify us immediately if you have any reason to believe that your username or password has been lost or compromised or misused in any way. Also immediately report to us any unauthorized or suspicious activity in your account.


4.1 In creating an account and registering on our Platform, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:

    • A copy of your certificate of incorporation (for organisations) or government-issued photo ID, such as a passport, driver’s license or other valid means of identification;
    • Such other information and documentation that we may require as required by applicable laws.

4.2 You hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and other relevant information.


5.1 The Platform allows users to request for and utilize our services. Accordingly, by using our Platform, you agree to be bound by the following terms:

    • As a User of the Platform, you are responsible for making your own decision based on your independent enquiries, appraisals, judgment, wisdom and risks. Neither QoreID nor its affiliates, employees, directors or agents shall be liable for any damage, direct or indirect or loss or costs incurred due to the use of or relying upon any information, report, verification or contents of this site or any website linked to this Platform.
    • As a User of our Platform, you are only granted a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and make personal and non-commercial use of the Platform. All rights not expressly granted to you in these Terms of Use or any specific Service Level Agreement are reserved and retained by QoreID.
    • You may view, download, print or display contents from the Platform provided that your use is for information purposes of a personal and non-commercial nature. You are not permitted to modify or alter the contents of the Platform in any way, or reproduce, decompile, reverse engineer, republish, perform, distribute or display the contents of this Platform for any public or commercial purpose.

    • You shall not use the contents of the Platform to prepare any derivative work. You are not permitted to frame, enclose or extract any trademark, image, text, form or other proprietary information in the Platform without written permission from QoreID. You may not use the word “QoreID” or a derivative thereof as a meta tag or hidden text without written permission from QoreID, nor may you use QoreID’s logo or other trademarks as part of any link. Any use of the contents of the Platform on any other website is prohibited. Use of the Platform does not entitle you to any rights of ownership in the content and you expressly acknowledge that QoreID retains all its rights in the Platform.

5.2 This license shall automatically terminate if you violate any of these Terms of Use and in any event, may be terminated by QoreID at any time. Upon terminating of this license, you must destroy any downloaded or saved materials in your possession whether in electronic, downloaded or printed format.


QoreID may decide to provide an interface for users to post comments, instruction, information, discussions or other content on the Platform. Kindly desist from sending to QoreID any confidential or proprietary information which you are not authorized to disclose. By submitting any information, you expressly grant to QoreID a non-exclusive, royalty-free, perpetual, irrevocable and sublicensable right to reproduce, use, adapt, publish, modify and distribute such content anywhere in the world. You warrant that information you submit is accurate and that you have the permission to submit it. That notwithstanding, any Personal Data provided to us shall be treated with confidentiality and managed in accordance with our Privacy Policy.


7.1 Content Description:

The Platform contains variety of Contents (which includes but not limited to text, data, information, files, documents, software, scripts, layout, design, function, aesthetics, graphics, images, audio, videos, audio-visual combinations, interactive features and any other materials) that you may view, access or download (but only as expressly permitted herein) on the Platform.

7.2 Proprietary Rights

All the contents of the Platform, whether publicly posted or privately transmitted, as well as all derivative works thereof, are owned by QoreID, its affiliates and where applicable, to third parties and regulatory agencies who have licensed such rights to QoreID (“Licensors”). Hence, the Platform is protected by copyright, trademark, and other applicable intellectual property rights/laws. Except as specifically permitted herein, you shall not copy, reproduce, republish, upload, post, transmit, modify, transfer, assign, gift, create alternate database, sell, decompile or replicate the whole or part of or distribute the Contents of or the Platform or QoreID’s intellectual property rights, or any part of it in any way whatsoever, without the prior written consent of QoreID.

7.3 Restrictions on the use of the Platform

7.3.1 Please note that the Contents of this Platform are solely for your information and use, as intended through the provided functionality of the services and permitted under this Terms of Use. As such, you:

    • shall not use our Platform in any way or take any action that causes or may cause damage to the Platform or QoreID, or impair the performance, availability or accessibility of the Platform;
    • shall not use our Platform in any way that is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity or in any way that breaches any applicable law or regulations;
    • must not submit information that is obscene, illegal, threatening or defamatory or submit comments that infringe the privacy or intellectual property rights of a third party;
    • shall not submit any form of spam, virus or mass mail to the Platform, and you must not provide misleading information as to your identity;
    • shall not to circumvent, disable or otherwise interfere with security-related features of the Platform, including security features that prevent or restrict the unlawful use or copying of any content;
    • shall not use the Platform in any way that breaches any applicable law or legal rights, or that may expose us to regulatory sanction;
    • shall not download any Content on the Platform unless we permit you to do so.

7.3.2 You further agree as follows:

    • not to access or use the Platform in an unlawful way or for an unlawful or illegitimate purpose, including without limitation any violation of any data protection laws or other applicable laws of the Federal Republic of Nigeria or any other jurisdiction where you are resident;
    • not to post, publish or transmit on the Platform (a) any message or information under a false name; (b) information that is unlawful, malicious, libellous, defamatory, obscene, fraudulent, predatory of minors, harassing, discriminatory, threatening or hateful to any person; or (c) information that infringes or violates any contractual or intellectual property rights of others or the privacy or publicity rights of others;
    • not to post, process, publish or transmit any Content that is illegal or unlawful, infringe any person’s legal rights, or is capable of giving rise to legal action against us or any person (in any jurisdiction and under any applicable law).
    • not to transmit, distribute, introduce or otherwise make available in any manner through the Services any computer virus, keyloggers, malware, spyware, worms, Trojan horses, time bombs or other malicious or harmful code (collectively, “Harmful Code”) or to do any act capable of disrupting the operation of the Platform; Please note that we do not have an obligation to detect the presence of any Harmful Code. Please note that if you download any Content from the Platform, you do so at your own risk.
    • not to use the Platform in any manner that could damage, disable or impair our services or networks;
    • not to attempt to gain unauthorized access to the Platform or any user accounts or computer systems or networks, through hacking, password mining or any other unlawful means.

7.4 Disclaimer

    • Your use of the services is at your sole risk and the Platform is provided to you on an ‘AS IS’ and ‘AS AVAILABLE’ basis. You therefore agree to evaluate, seek independent advice and bear all risks associated with the use of the Platform.
    • QoreID will not be liable for any damages (including, without limitation, damages for any consequential loss) howsoever arising and whether in contract, tort or otherwise from the use of or inability to use our Platform, or any of its Contents and materials, or from any action or omission taken as a result of using the Platform or any such contents.
    • All liabilities are excluded to the fullest extent permitted by applicable law including any implied terms, as the Contents and services on this Platform are provided “as is” without warranties of any kind. We reserve the right to change, revise or update any or the Contents of our Platform at any time without notice to you.
    • You undertake that:
        • you are responsible for your own conduct while using the Platform or Services and for any consequences thereof;
        • you shall use this Platform and all services on the Platform for purposes that are legal, proper and in accordance with this Terms of Use, our Privacy Policy, and any applicable law, rules or regulations in force.
        • You are solely responsible for your interactions with other users of the Platform (“Users”) both within the Platform and outside of the Platform. QoreID expressly disclaims any responsibility for interactions, loss or liabilities between users or between you and any third party outside of the Platform.

8.1 “Confidential Information” shall mean all non-public information including, without limitation, all communications, information, whether written, visual or oral, capable of giving some competitive business advantage, or the opportunity of obtaining that advantage, or the disclosure of which could be detrimental to the interest of the disclosing party, including but not limited to intellectual property, business plans, results, reports, technology, formulae, process, Personal Data, technical information, Information Technology security information, identification information, corporate information, materials, designs, specification of products, know-how, software programs and samples, and information concerning the trade secrets, customers, marketing, business associations, finances, financial arrangements, financial projections, current or future business plans and models, technical or commercial affairs of the disclosing party, whether or not such information is designated as “Confidential Information” at the time of its disclosure;

8.2 You undertake that all Confidential Information on the Platform, shall be kept confidential unless or until you can reasonably demonstrate that such communication, information and material is, or part of it is, in the public domain through no fault of yours. Furthermore, any communication, content, intellectual property or other information, and materials you obtain in terms of or arising from the use of our Platform shall be treated as confidential and shall not be divulged or permitted to be divulged to third parties, without our prior written consent.

8.3 The confidentiality obligation in clause 8.1 above shall not apply to information which: (a) was in your possession or independently available to you without restriction before receipt from QoreID; or (b) was a matter of public knowledge except through your own fault; or (c) is rightfully received from a third party without a duty of confidentiality; or (d) is independently developed without using any of QoreID’s confidential information, as evidenced by contemporaneous documentation; or (e) is disclosed, with QoreID’s prior written approval; or (f) is demanded by a governmental, judicial or regulatory order, provided that prior to making such disclosures, written notification of the demand shall first be given to QoreID.

8.4 Please note that all obligations relating to Confidential Information under these Terms of Use will remain in force even after termination of your use of our Platform, or termination of your access rights.


You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information provided by you to QoreID (collectively, “Feedback”) unless expressly stated to be confidential, are not confidential and you hereby grant to QoreID a worldwide, perpetual, irrevocable, royalty-free license to reproduce, implement, display, perform, distribute, publish, modify, edit or otherwise use such Feedback as it deems appropriate, for any and all commercial or non-commercial purposes, in its sole discretion.


10.1 You acknowledge and agree that QoreID has permitted the use of our Platform in full reliance on the representations, warranties, undertakings and agreements under this Terms of Use.

10.2 You warrant that your use of our Platform is for a lawful purpose, and that in processing any Personal Data, such processing is based on at least one of the following conditions:

    • you have the consent of the identifiable person (“data subject”), whose information you intend to process;
    • it is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering a contract;
    • it is necessary for compliance with a legal obligation to which you are subject;
    • it is necessary to protect the vital interests of the data subject or of another natural person; or
    • it is necessary for the performance of a task carried out in the public interest or in exercise of official public mandate vested in you.

10.3 You further represent and warrant that:

    • you validly exist under your law of incorporation/residence, and you have all the necessary power, approvals, and authority to use this Platform, and that you have in addition obtained all necessary permits, licenses, authorizations, and consents required for the performance of your obligations herein.
    • the terms herein are legal, valid, binding, and enforceable against you.

11.1 QoreID shall remain the owner of the know-how, trademarks, service marks, logos, slogans, patents, copyright or other intellectual property rights belonging to it within or outside the Platform. The use of the Platform, and nothing contained herein shall not license nor transfer any intellectual property right belonging to QoreID, and you are not allowed to use any such rights belonging to QoreID without our written consent.

11.2 If you believe that any content on the Platform infringes upon your intellectual property or privacy rights, please contact us and we will promptly attend to your complaints.


QoreID operates a no refund policy regarding completed services. We shall not refund you for any payment made for completed transactions notwithstanding the date, time and method of payment adopted. If QoreID determines that you are entitled to a refund of any part of the fees you paid in respect of our Services, such refund shall only be made in the form of a ‘Credit’. ‘Credits’ are applicable only toward future fees for use of our service and are not convertible into cash or any other type of monetary refund.


We partner with other financial/payment service providers in providing our Services to you. To enable you make payments on/through the Platform, we may share your information with these financial partners. You therefore authorize us to share your identity and banking information with partner financial institutions in respect of your payments for our Services. QoreID shall not be liable for any default, negligence or breach by the financial partners.


14.1 In the event of any breach of this Terms of Use, QoreID shall have the right to suspend or terminate all or a portion of the Services to you at our discretion, or to restrict your access to the Platform. We reserve the right to revoke, terminate or suspend any privileges associated with accessing the Services for any legitimate reason (including regulatory instruction). You agree that QoreID shall not be liable to you or any third party for any termination or suspension of your access to the Platform.

14.2 If you wish to close your account, you may do so by contacting QoreID’s customer service. Unless otherwise specified and agreed, you shall remain obligated to settle all outstanding payments, if any, relating to your use of the Platform prior to such closure request.


The Platform contains links to other platforms/websites or resources on the internet. QoreID has not reviewed all the sites linked to its website and is not responsible for the contents of any such linked site. When you access third party platforms/websites or links, you do so at your own risk. Links to other platforms/websites do not constitute an endorsement, control, guarantee, authorization or representation of our affiliation with those third parties. Kindly note that these Terms of Use or our Privacy Policy do not apply to those third-party websites, as such, you agree that QoreID shall not be liable under any circumstances in relation to your use of such other platforms/websites and will not accept liability or responsibility for the use of such sites.


16.1 The Platform, its content and all services on the platform are provided “as is” and “as available” without any warranty of any kind, express or implied. To the fullest extent permissible pursuant to applicable law, QoreID, its affiliates and any person associated with QoreID and its affiliates, disclaims all warranties of any kind, either express or implied, statutory or otherwise, including but not limited to any implied warranties of title, merchantability, fitness for a particular purpose or non-infringement of intellectual property or other violation of rights.

16.2 Without limiting the foregoing, QoreID does not warrant that access to the Platform will be uninterrupted or error-free, or that defects, if any, will be corrected within any specific timeframe; nor does QoreID, its affiliates, nor any person associated with QoreID make any representations about the accuracy, standard, reliability, currency, quality, completeness, usefulness, performance, security, or suitability of the Platform. QoreID does not warrant that the Platform is free of viruses or other harmful components. You shall be solely and fully responsible for any damage to any computer system, any loss of data, or any improper use or improper disclosure of information caused by you or any person using your login credentials. QoreID cannot and does not assume any responsibility for any loss, damages or liabilities arising from the failure of any telecommunications infrastructure, or the internet or for your misuse of any of advice, ideas, information, instructions or guidelines accessed through the Services. It is your responsibility to install or download sufficient software or hardware protection for your device or computer.


17.1 Each service conducted on our Platform shall be deemed completed when QoreID produces a result showing the outcome of the service. QoreID does not warrant that the information in the report shall continue to be true or remain unchanged beyond the time of verification. As such, QoreID shall not be liable for any loss, claim or liability arising from any subsequent change in the status or correctness of the information contained in the report whatsoever.

17.2 QoreID shall conduct the verification services based on investigation of public records as held by relevant authorities. Verification reports provided by QoreID shall reflect the records produced by the relevant institution as at the date the service was provided. QoreID does not create such data or manage the database of the institution in respect of such data. Therefore, you acknowledge that such records may not be updated frequently or up to date and are provided to us “as received” from the relevant database. QoreID does not guarantee or warrant that such information as may be contained in the records is updated or accurate.

17.3 Individuals have the full responsibility of correcting any wrong information held by institutions holding public records including identification numbers (national or regional), images, addresses, identification records, biometric records, credit records, verification numbers, among others. It is the responsibility of the relevant institution to update their records and ensure that same is up to date. QoreID shall not be liable or accountable for any loss, injury or damage that may arise out of reliance on any obsolete data or information provided by any relevant institution.

17.4 Any claim regarding any error contained in any report shall only be raised within 60 (sixty) days from the date the service report was delivered to you.

17.5 QoreID shall not be liable where any delay, error, or breach was caused by your negligence, breach, delay, or provision of erroneous information. In such circumstance, any additional service requested by you and conducted by QoreID to rectify such error shall be treated as a separate instruction and chargeable separately.

17.6 QoreID and its subsidiaries, affiliates, officers, directors, agents or employees are not liable to you or any other person for any punitive, exemplary, consequential, incidental, indirect or special damages (including, without limitation, any personal injury, lost profits, loss of use, business interruption, loss of programs or other data on your computer or otherwise) arising from or in connection with your use of the Platform or Services, whether under breach of contract, tort, negligence, strict liability, malpractice, any other legal or equitable relief or otherwise, even if QoreID has been advised of the possibility of such damages.

17.7 You hereby release QoreID and hold it and its parents, subsidiaries, affiliates, officers, directors, agents and employees harmless from any and all claims, demands, and damages of every kind and nature (including, without limitation, actual, special, incidental and consequential), known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Services. You waive any provisions of any law limiting or prohibiting a general release.

17.8 The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction. This limitation of liability also applies with respect to damages incurred by you by reason of any products or services sold or provided on any linked Platforms or otherwise by third parties other than QoreID and received through the services or any linked Platforms.

17.9 Without prejudice to the limitation of liability above, in the event of any problem with the Platform or any of the services on the Platform, you agree that your sole and exclusive remedy is to cease using the Platform. Under no circumstances shall QoreID, its subsidiaries, affiliates, officers, directors, agents or employees be liable in any way for your use of services, including, but not limited to, any errors or omissions in the Platform, downtime, any alleged infringement by the Platform of the intellectual property rights or other rights of third parties, or for any loss or damage of any kind incurred as a result of the use of the Services or our Platforms.


18.1 Without prejudice to our other rights under these terms and conditions, if you breach these terms and conditions in any way, or if we reasonably suspect that you have breached these terms and conditions in any way, we shall:

    • send you one or more formal warnings in writing to this effect; and/or
    • temporarily suspend your access to our Platform; and/or
    • permanently prohibit you from accessing our Platform; and/or
    • block your access to the Platform; and/or
    • commence legal action against you, whether for breach of contract or otherwise; and/or
    • suspend or delete your account on our Platform.

18.2 Where we suspend or prohibit or block your access to our Platform or a part of our Platform, you must not take any action to circumvent such suspension or prohibition or restriction (including without limitation, creating and/or using a different account).


19.1 All fees payable for the services provided on the Platform shall be exclusive of Value Added Tax (VAT) and subject to applicable taxes.

19.2 Our fees are subject to revision as determined by inflationary rates and price adjustments by data sources. QoreID will notify you of any price adjustments prior to its implementation. Changes in pricing will be communicated in advance before it is implemented.


20.1 Without limiting the generality or effect of other provisions of this Terms of Use, you agree to indemnify and defend QoreID and its subsidiaries, affiliates, officers, directors, affiliates, agents and employees, parent companies, (collectively, “Indemnified Parties” and each, individually, an “Indemnified Party”) against all costs, expenses, liabilities and damages (including reasonable attorney’s fees) incurred by QoreID or any other indemnified party in connection with any third party claims arising out of: (i) your use of the Platform or any part of it; (ii) your failure to comply with any applicable laws and regulations; and (iii) your breach of any obligations, warranties, representations, or undertakings set forth in this Terms of Use or our Privacy Policy; (iv) your breach of the privacy rights (including failure to obtain consent) of any third party.

20.2 This indemnity obligation shall survive this Terms of Use and your use of the Platform. QoreID reserves the right to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with QoreID in asserting any available defences.


21.1 QoreID is committed to adhering to the economic sanctions and export control laws and regulations that apply to our operations. All individual and Corporate Users (including their directors, officers, employees and agents) who are the subject to any sanctions either in Nigeria or your home country, which prohibits your access or use of our Platform or Services are advised to strictly comply with such restriction. You must also comply with all Nigerian or other export restrictions that may apply to our services, software, technology, and services.


22.1 This Terms of Use and all disputes and matters arising from the Platform (or its use) shall be governed by the laws of the Federal Republic of Nigeria.

22.2 In the event of a controversy, claim or dispute arising out of or relating to this Terms of Use, our services or your relationship with us, you agree that both parties shall first attempt in good faith to resolve such controversy, claim or dispute promptly by negotiation. You shall, before exploring any other remedy in law, notify QoreID of the dispute or complaint through the contact details below. If parties are unable to resolve the controversy, claim or dispute through negotiation, parties shall further attempt to resolve the dispute through mediation at the Lagos Multi-Door Courthouse.


23.1 Entire Agreement: Unless otherwise agreed in writing between you and QoreID, these Terms of Use constitutes the sole agreement between you and QoreID for your use and the provision of the Platform/our services and the subject matter hereof, and unless other agreed or incorporated herein, no representations, statements or inducements, oral or written, not contained in this Terms of Use shall bind either you or QoreID.

23.2 Severance: If any provision of this Terms of Use is prohibited by law or judged by a court to be unlawful, void or unenforceable, the provision shall, to the extent required, be severed from this Terms of Use and rendered ineffective as far as possible without modifying the remaining provisions of this Terms of Use and shall not in any way affect any other circumstances of or the validity or enforcement of this Terms of Use.

23.3 Waiver: Failure to insist on performance of any of the terms of this Terms of Use will not operate as a waiver of any subsequent default. No waiver by QoreID of any right under this Terms of Use will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. Any waiver of any right or obligation under this Term of Use shall only be valid if it is in writing and signed by the Party waiving such right.

23.4 Assignment: You shall not assign, transfer or novate your rights or obligations hereunder, in whole or in part without the prior written consent of QoreID.

23.5 Bindingness: This Terms of Use shall be binding upon and inure to the benefit of each of the parties and the parties’ respective successors and permitted assigns. A printed version of this Terms of Use and of any related notice given in electronic form shall be valid and admissible in judicial or administrative proceedings based upon or relating to this Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.


We may, at our sole discretion, review, revise and/or update these Terms of Use at any time. We therefore advise that you read through this Terms of Use periodically. You further agree that we will have no further obligation to notify you of any modifications and such updates or modifications shall become effective immediately upon the posting thereof or on any specified date. The most current version of the Terms of Use can be accessed at any time by selecting Terms of Use link at the bottom of the home page of our website.