Terms and Conditions

ReshScore is a credit scoring company offering individualized FICO-based credit scores, business credit scores, identity protection, fraud detection, and related financial services. By using ReshScore's services, you agree to the terms and conditions set forth here.

• Eligibility: By using our services, you confirm that you are at least 18 years old or have the permission of a legal guardian.
• Personal Use: Our services are intended for personal and business use. You agree to use them responsibly and not for any unlawful purposes or unauthorized commercial use.
• Accuracy: You agree to provide accurate and current information when using our services. ReshScore will not be responsible for any consequences arising from inaccurate or outdated information provided by you.

• Account Registration: To access certain services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account and password.
• Unauthorized Access: You agree to notify ReshScore immediately of any unauthorized use of your account. ReshScore is not liable for any losses or damages caused by unauthorized use of your account.

• FICO Credit Score: ReshScore generates credit scores based on the FICO scoring model combined with alternative data points. These scores are provided for informational purposes and may not be used as the sole factor for making financial decisions.
• Accuracy of Scores: While ReshScore strives to provide accurate credit scores, we do not guarantee the accuracy, completeness, or reliability of any score or financial data provided. The scores may differ from those obtained directly from credit bureaus.
• User Responsibility: You are responsible for verifying the information provided through ReshScore with other financial institutions before making any financial decisions.

• Data Collection: ReshScore collects and processes personal data in accordance with our Privacy Policy. By using our services, you consent to the collection and use of your data as described in our Privacy Policy.
• Confidentiality: We take reasonable steps to protect your personal information but cannot guarantee complete security. You agree to provide accurate data and understand the risks associated with online data transmission.

• Ownership: All content, trademarks, service marks, logos, and intellectual property rights on our website and services are owned by ReshScore or licensed to us. You may not reproduce, duplicate, or redistribute any of this content without our prior written permission.
• User Content: By submitting any content (including feedback, comments, or suggestions), you grant ReshScore a non-exclusive, royalty-free, perpetual license to use, reproduce, and modify the content for service improvement purposes.

• No Warranty: ReshScore provides its services "as is" and "as available" without any warranties of any kind, either expressed or implied. We do not warrant that our services will be uninterrupted, error-free, or meet your expectations.
• Limited Liability: To the extent permitted by law, ReshScore, its officers, directors, employees, and affiliates will not be liable for any indirect, incidental, or consequential damages arising out of your use of our services.

You agree to indemnify, defend, and hold harmless ReshScore, its affiliates, and its employees from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services or your violation of these terms.

ReshScore reserves the right to modify or discontinue any part of its services at any time without notice. We may also update these terms periodically. You are encouraged to review these terms regularly, as continued use of our services will be considered as acceptance of the changes.

We reserve the right to terminate or suspend your access to our services without notice if you violate these terms or for any other reason deemed appropriate by ReshScore. Upon termination, your rights to use our services will immediately cease.

These terms will be governed by and interpreted in accordance with the laws of Ghana (Data Protection Act, 2012), and you agree to submit to the exclusive jurisdiction of the courts located in Ghana to resolve any legal matters arising from these terms.

If you have any questions or concerns about these terms, please contact us at:

Phone: +233507646283