Terms of service.

Hola Credit is a web-based service that converts borrower-authorised bank statements into structured cash-flow evidence and an explainable assessment. The service is designed for authorised Namibian lenders and retail credit providers who want to supplement their existing credit assessment process with cash-flow evidence.

The service includes the following capabilities: consent capture and management, bank statement upload and validation, AI-assisted transaction extraction and categorisation, deterministic cash-flow scoring, assessment review with transaction-level evidence and confidence scores, human decision recording with notes, and audit logging of every material action.

The service may only be used for the purpose of assessing applicants' cash-flow evidence in connection with a legitimate credit assessment. Organisations must be authorised credit providers operating under Namibian regulation. The service must not be used to process statements without the applicant's explicit, informed and recorded consent.

The service must not be used to process statements from applicants who have not been informed of the purpose, scope and retention of the processing. Organisations must not represent the Hola Credit assessment as a credit bureau report, a credit score, or a lending decision. The assessment is supplementary evidence only.

The organisation is responsible for ensuring that all statements processed through the service have been obtained with the applicant's explicit consent, that the consent artefact is accurate and complete, and that the applicant has been informed of their rights. The organisation is responsible for the lawfulness of the processing it instructs.

The organisation is responsible for the accuracy of the information it enters into the system, for the security of its user accounts, and for the actions of its team members. The organisation must not share login credentials, must not attempt to access another organisation's data, and must not use the service to build cross-lender borrower profiles.

Tangison Technologies processes personal data on behalf of the organisation, as described in the privacy policy. The organisation is the data controller and Tangison Technologies is the data processor. The processor handles personal data only according to the controller's instructions and the terms of service.

The processor is responsible for maintaining the security of the platform, enforcing tenant isolation, implementing the retention and deletion controls, and providing the audit trail that the controller needs to demonstrate compliance. The processor does not access tenant data unless specifically required for platform operations, and any such access is logged and auditable.

Hola Credit is provided as supplementary decision-support software. The assessment is based on the data provided, the extraction and categorisation process, and the scoring policy in effect at the time. The accuracy of the assessment depends on the quality of the input data, the reliability of the extraction and the appropriateness of the policy for the given case.

The organisation acknowledges that the assessment is one input into the lending decision, not the decision itself. The organisation is solely responsible for the lending decision and for ensuring that the decision complies with the organisation's own policies and applicable law. Tangison Technologies is not liable for lending decisions made on the basis of the assessment.

Tangison Technologies may update these terms of service from time to time. When the terms change, the updated version will be published on this page with a revised effective date. Organisations will be notified of material changes through the email address associated with their organisation account.

If a change to these terms materially affects the organisation's use of the service, the organisation may choose to discontinue use of the service. In that case, the organisation should contact Tangison Technologies to arrange for the export or deletion of its data in accordance with the retention schedule.