Welcome to PearCheck. By accessing or using our website, platform, APIs, or any related services (“Services”), you agree to comply with and be bound by these Terms of Use. If you do not agree with any part of these terms, do not use our Services.

1.1 About PearCheck
PearCheck provides digital solutions to support client onboarding, Know Your Customer (KYC), Know Your Business (KYB), and Credit Report Bureau (CRB) functionalities, tailored to fintech’s, financial institutions, Government organisations and NGOs

1.2 Eligibility
You must be at least 18 years old and authorized to enter binding contracts to use our Services.

1.3 Use of Services
You agree to use our Services solely for lawful and compliant purposes. You must not:
Misuse our Services or access them using automated tools not provided by PearCheck.
Use the data provided for discriminatory, fraudulent, or unlawful purposes.
Resell, distribute, or make unauthorized commercial use of our Services.

1.4 User Responsibilities
You are responsible for:
The accuracy of data you submit.
Securing your access credentials.
Complying with applicable laws, including data protection and consumer rights.

1.5 Intellectual Property
All content, algorithms, trademarks, and documentation remain the exclusive property of PearCheck or its licensors. No license or rights are granted unless explicitly stated.

1.6 Termination
PearCheck may suspend or terminate your access for violations of these terms, suspected fraud, or if required by law.

1.7 Disclaimers
We provide our Services “as-is.” While we aim for accuracy and uptime, we do not guarantee uninterrupted service or error-free data. PearCheck is not liable for decisions made based on data provided.

1.8 Limitation of Liability
To the maximum extent permitted by law, PearCheck is not liable for indirect, incidental, or consequential damages, even if advised of the possibility.

1.9 Changes
We may update these Terms at any time. Continued use constitutes acceptance of the revised terms.

1.10 Governing Law
These Terms shall be governed by the laws of the relevant region.