Effective Date: March 09, 2026

MICREP provides a secure platform that allows authorized members to submit confidential reports and verify employee records. This page explains the responsibilities of users who submit reports and the limitations of the MICREP platform.

By submitting a report or using the reporting features within MICREP, you agree to the terms outlined in this disclaimer.

1. Purpose of the Reporting System

The MICREP reporting system is designed to support responsible information sharing within the microfinance banking sector.

The platform allows authorized members to:

• report employee misconduct
• submit supporting evidence where available
• verify previously submitted employee records
• maintain workforce integrity within participating institutions

The reporting system is intended to promote accountability and transparency while protecting the confidentiality of sensitive information.

2. Good Faith Reporting Requirement

All reports submitted through MICREP must be made in good faith.

This means that the person submitting the report reasonably believes that the information provided is accurate and truthful at the time of submission.

Users must not submit reports that are:

• knowingly false
• malicious
• defamatory
• misleading
• submitted for personal retaliation or harassment

Submitting false or abusive reports may result in suspension or permanent termination of platform access.

3. Responsibility for Submitted Information

MICREP acts as a technology platform that enables reporting and verification services.

Users acknowledge that:

• the information submitted in reports is provided by members
• MICREP does not independently verify every submission
• the reporting member is responsible for the accuracy of the information provided

Each user submitting a report remains fully responsible for the content they submit, including supporting documents and evidence files.

4. Verification Data and Reference Information

The MICREP platform may allow users to search and verify employee records that have been submitted by participating members.

Users understand that:

• verification results reflect information submitted by member institutions
• records may be incomplete or updated over time
• the platform does not guarantee the accuracy or completeness of verification results

Verification results should be used as reference information only and should not be relied upon as the sole basis for employment decisions.

5. Confidentiality of Reports

Reports submitted through the MICREP portal are treated as confidential and may only be accessible to authorized users or administrators.

However, users must understand that confidentiality does not mean absolute anonymity.

Information may be accessed, reviewed, or disclosed when necessary to:

• investigate misuse of the platform
• respond to legal obligations
• comply with regulatory requirements
• address security concerns
• resolve disputes or claims related to submitted reports

6. Evidence and Supporting Files

Users may upload supporting evidence when submitting reports.

Examples may include:

• documents
• written records
• screenshots
• photographs or scanned files

By uploading evidence, you confirm that:

• you have the right or authority to upload the file
• the file is relevant to the report
• the file does not contain malicious or illegal content
• the file does not violate privacy or intellectual property rights

MICREP reserves the right to remove files that violate these conditions.

7. Platform Moderation and Review

MICREP reserves the right to review submitted reports and supporting evidence where necessary to maintain platform integrity.

The platform may:

• review submissions for compliance
• restrict or remove inappropriate content
• suspend accounts that abuse reporting features
• preserve records for security, legal, or compliance purposes

8. Limitation of Liability

MICREP provides a platform that allows members to share and review information.

To the fullest extent permitted by law, MICREP shall not be liable for:

• employment decisions made based on submitted reports
• inaccurate or misleading reports submitted by users
• disputes between employers and employees
• damages resulting from misuse of the platform
• actions taken by institutions based on verification results

Users are responsible for conducting their own internal investigations and due diligence when reviewing reports.

9. Responsible Use of the Platform

Members using the reporting system agree to:

• act honestly and responsibly
• submit information in good faith
• respect confidentiality requirements
• comply with applicable laws and employment regulations
• avoid misuse of the reporting system

Failure to follow these responsibilities may result in account suspension or permanent removal from the platform.

10. Contact and Questions

If you have questions about the reporting system or this disclaimer, you may contact MICREP through the official communication channels listed on the website.