Effective Date: March 09, 2026
Last Updated: March 09, 2026

This Data Usage & Verification Disclaimer explains how information available on the MICREP platform should be interpreted and used by members.

MICREP provides tools that allow authorized users to search, review, and reference employee records submitted within the system. The information available through the platform is intended to support responsible decision-making within the microfinance banking sector.

By using the verification features of the MICREP platform, you acknowledge and agree to the terms outlined in this disclaimer.

1. Nature of Verification Results

The MICREP platform allows members to search and review employee-related records that have been submitted by participating institutions.

Verification results may include:

• employee identity information
• previous report references
• submitted incident summaries
• supporting evidence files where available
• related record details

These results represent information that has been submitted by platform users and participating institutions.

MICREP does not independently investigate or verify every record that appears in the system.

2. Information Provided as Reference Only

Verification results provided by MICREP are intended for reference purposes only.

The platform does not guarantee that:

• records are complete
• records are current
• records are accurate in every case
• records represent the full employment history of an individual

Users should treat the information as one source of reference and should conduct their own internal checks, background reviews, and due diligence before making employment or compliance decisions.

3. Responsibility for Employment Decisions

Organizations using the MICREP platform remain fully responsible for their own employment decisions.

MICREP does not:

• recommend hiring or termination decisions
• provide employment certification
• provide legal employment screening services
• guarantee the reliability of submitted reports

Decisions regarding recruitment, disciplinary actions, or employee eligibility should be made based on an organization’s own policies, procedures, and investigations.

4. User Responsibility When Accessing Records

Members using the verification tools agree to:

• access records only for legitimate professional purposes
• respect the confidentiality of information obtained through the platform
• avoid unauthorized sharing or misuse of retrieved data
• comply with applicable employment and data protection laws
• use the platform responsibly and in good faith

Unauthorized use of verification data may result in suspension or termination of access.

5. Record Updates and Changes

Information stored in the MICREP system may be updated over time as new reports or corrections are submitted.

Because of this:

• records may change
• additional information may be added later
• previously submitted information may be revised

Users should consider verification results as dynamic records that may evolve over time.

6. Platform Role and Limitations

MICREP operates as a technology platform that facilitates information sharing between participating members.

The platform does not:

• conduct independent investigations
• confirm the validity of every submission
• provide legal or employment screening certification
• act as a regulatory authority

MICREP provides infrastructure for responsible information sharing but does not act as the decision-maker regarding employment matters.

7. Limitation of Liability

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

• hiring decisions made using platform data
• employment disputes involving individuals referenced in the system
• inaccuracies in reports submitted by users
• damages resulting from reliance on verification information
• actions taken by organizations based on data obtained from the platform

Users remain responsible for conducting their own due diligence and internal assessments.

8. Data Protection and Responsible Use

Users accessing verification data must ensure that they comply with applicable privacy and data protection regulations.

This includes:

• restricting access to authorized personnel
• protecting sensitive employee information
• avoiding unnecessary disclosure of retrieved data
• maintaining responsible record handling practices

9. Changes to This Disclaimer

MICREP may update this disclaimer periodically to reflect operational, legal, or regulatory changes.

Updated versions will be posted on this page with a revised effective date.

Continued use of the platform after updates means you accept the revised terms.

10. Contact

For questions regarding data usage or verification policies, please contact MICREP through the official contact channels listed on the website.