Legal & Compliance
Our commitment to regulatory compliance and legal excellence
VaultCore OS is designed to help Microfinance Institutions (MFIs) and Microfinance Banks (MFBs) meet their regulatory obligations. This page outlines our compliance framework and legal documentation.
Regulatory Compliance
Central Bank of Nigeria (CBN)
VaultCore OS supports compliance with CBN regulations for MFIs and MFBs, including:
- Prudential Guidelines for Microfinance Banks
- Know Your Customer (KYC) requirements
- Anti-Money Laundering (AML) regulations
- eFASS reporting requirements
- Monthly and quarterly returns
- Capital adequacy reporting
Bank of Ghana (BoG)
For our Ghanaian clients, we support compliance with:
- Microfinance Institution regulatory framework
- Credit reporting requirements
- AML/CFT guidelines
- Prudential reporting
Central Bank of Kenya (CBK)
For Kenyan clients, VaultCore OS supports:
- Microfinance Act compliance
- Credit Reference Bureau reporting
- Prudential guidelines
- Consumer protection requirements
Data Protection Compliance
NDPR (Nigeria)
Compliant with Nigeria Data Protection Regulation requirements for data processing, consent management, and breach notification.
GDPR (EU)
For clients processing EU citizen data, we provide GDPR-compliant data processing agreements and tools.
Ghana DPA
Compliant with Ghana's Data Protection Act requirements for data controllers and processors.
Kenya DPA
Supports compliance with Kenya's Data Protection Act 2019 requirements.
Security Certifications
VaultCore OS maintains the following security standards:
- ISO 27001: Information Security Management System certification
- PCI DSS: Payment Card Industry Data Security Standard compliance
- SOC 2 Type II: Service Organization Control audit
Legal Documentation
The following legal documents govern our relationship with clients:
Terms of Service
Terms and conditions for using VaultCore OS
Privacy Policy
How we collect, use, and protect your data
Data Processing Agreement
Available upon request for enterprise clients
Service Level Agreement
Uptime guarantees and support commitments
Audit and Reporting
VaultCore OS provides comprehensive audit capabilities to support regulatory examinations:
- Immutable audit trails for all transactions
- User activity logs with timestamps and IP addresses
- System access and authorization records
- Data modification history
- Automated regulatory report generation
- On-demand audit report exports
Contact Our Legal Team
For legal inquiries, compliance questions, or to request documentation:
VaultCore OS - Legal Department
A product of The Staq Technologies Ltd
Email: [email protected]
For urgent matters: [email protected]
Website: www.staq.ng