Folio · 13 · Help

Questions,
answered properly.

The things people actually ask, about checks, consent, Trust Scores, billing and data, answered in plain language.

Getting started

Do I need an account to run a check?

Yes, a free account keeps your checks, consent records and reports in one auditable place. You only pay when a check actually completes.

How fast is a check, really?

Identity checks (NIN/BVN) are near-instant once consent is granted. Credit is same-day. Employment, education and references take 1–5 working days depending on how fast third parties respond. Police character certificates take 3–15 days. Every check shows a live status while it runs.

What do I need from the subject to start?

Just their full name, email and phone number. We handle everything else, including getting their consent, through a single secure link.

Checks & consent

Can I run a check without the person knowing?

No, and by design. Every check requires the subject’s recorded consent before anything runs. It’s both an NDPA 2023 requirement and the reason our data is defensible. If someone offers you “secret” checks, the output won’t survive a dispute.

What does the subject see?

A clear page listing exactly which checks you’ve requested, what data each involves, and their rights. They approve or decline each request, see the flow on the how it works page.

What happens if consent is declined?

You’re told the request was declined (never why), and you’re not charged for checks that didn’t run.

Can a subject dispute a result?

Yes, every finding can be challenged, re-verified independently, and corrected. Recipients of the original report are notified of material corrections. Details on the disputes page.

Trust Score

Is a Trust Score a credit score?

No. A credit score predicts repayment behaviour; a Trust Score summarises how much of a person or business has been independently verified, weighted by recency and source strength. The full methodology is on the Trust Score page.

Can I rely on the score alone to make a decision?

You shouldn’t rely on any single number. The score is a summary, the underlying verified records are the evidence, and both are always shown together.

Billing

When am I charged?

Per check, as each check completes, never for checks that don’t run. Business plans add a monthly fee (₦45,000) that unlocks discounted per-check rates and team features. See pricing.

Do you offer refunds?

If a check completes with results you can demonstrate are wrong, the dispute process can result in correction or a credit. Failed third-party lookups (e.g. an institution that no longer exists) are not charged.

Data & privacy

Where is my data stored?

In Nigeria wherever possible, under the Nigeria Data Protection Act 2023. Full details, including the retention schedule and your rights, are on the data protection page.

Who can see a report I order?

Only your workspace members with the right role, and the subject (they can always see their own records). Reports include an authenticity reference so recipients can confirm they’re genuine.

Still stuck? Talk to the team, we answer within one working day.

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