Terms of Service

About these terms

These terms apply to your use of the Creda website and client platform, and to the corporate services we provide. By creating an account or instructing us to file on your behalf, you accept them.

Where a specific engagement letter or service agreement is signed, that document takes precedence over these terms where they conflict.

What we do

Creda provides corporate secretarial, regulatory filing, documentation, design and advisory services. Specifically we prepare and file company registrations, tax and anti-money-laundering registrations, post-incorporation amendments, trademark applications and related documentation.

• We prepare filings and submit them to the relevant regulator.
• We advise on the structure and process of each filing.
• We produce and deliver the resulting statutory documents.

What we do not do

Creda is not a law firm and does not provide legal advice. We are not a licensed tax practitioner and do not give tax advice. Where a matter requires a licensed advocate or tax practitioner of standing, we will say so and work alongside your own adviser rather than take the file.

Your responsibilities

• Give us accurate and complete information. A filing made on incorrect details is our work, but the error is yours to correct.
• Provide identification and supporting documents in a legible form, within any deadline we give you.
• Tell us promptly if your circumstances change, for example if a director resigns or an address moves.
• Review what we send you before we file it where we ask you to.
• Pay invoices by the due date stated on them.

Fees, invoices and payment

Service fees are quoted before work begins and are based on the scope agreed in writing. Government and statutory fees are passed through at cost and itemised separately on your invoice.

Where a price is shown as "from", the figure is an entry price for the lowest-cost version of that service and your quote may be higher depending on scope.

Invoices are payable within the period stated, which is fourteen days unless agreed otherwise. Work may be paused on an invoice more than thirty days overdue.

Timelines

We publish typical timeframes for each service, but they are estimates rather than guarantees. Statutory processing times are controlled by the Corporate Affairs Commission, the Nigeria Revenue Service and SCUML, and we do not set them.

Where a filing is delayed or rejected by a regulator, we will explain what happened and what it will cost to put right. We do not refund the portion of a fee that represents work already correctly performed, but we do not charge you for our own errors.

Intellectual property

You retain ownership of documents, names, marks and materials you provide to us. We retain ownership of our working methods, templates and know-how.

On payment in full, ownership of the final deliverables we produce for you, such as incorporation documents and original artwork files, passes to you.

We may reference your engagement as a client reference unless you ask us not to, in which case we will not name you or describe your work.

Confidentiality and liability

We treat everything you tell us as confidential, and we will not disclose it except to regulators, our service providers, or where the law requires it. This obligation survives the end of our engagement.

We take professional care with every filing and we are liable for loss caused by our negligence or by our breach of these terms. We are not liable for indirect or consequential loss, including lost profit, lost opportunity or business interruption. Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything that cannot lawfully be limited.

Suspension, termination and acceptable use

You may stop an engagement at any time by telling us in writing. You will be invoiced for work completed up to that point. We may suspend or terminate where an invoice is more than thirty days overdue, where you supply information we reasonably believe to be false, or where continuing would breach a regulator or the law.

You must not use this platform to store or transmit anything unlawful, to attempt to access records belonging to another client, or to interfere with its operation.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have exclusive jurisdiction over any dispute.