Fraud Warning

We don't have the time and patience for 'fraudulent nonsense'. Fraud is prohibited on Care Now Pay Later (CNPL). Getting loans based on fraudulent application information is a crime in Ghana, and even hundreds of countries worldwide.

If we discover that bad actors have abused our systems, we work quickly to take action. Loan fraud is a serious concern for CNPL. Loan fraud can encompass any suspicious, fraudulent and/or illegal activity committed against CNPL and related to CNPL's business. The most common types of suspicious activity and loan fraud schemes are: application fraud; supporting document fraud/forgery (including letters of credit, government-issued ids); and employee fraud.

CNPL investigates fraud as appropriate, and makes reports of suspected fraud to the authorities, as required, for further investigation and potential prosecution. These anti-fraud efforts are designed to safeguard CNPL's corporate assets, preserve the Company’s reputation, improve deterrence of fraud in the industry, and generally benefits our customers and the public.

Underwriting Fraud Occurs where a loan application or supporting documentation contains a material misrepresentation or omission of facts bearing on the nature or extent of the risk for which loan is being provided. It induces an underwriter to rely upon the misrepresentations and approve a loan or certain terms that otherwise would not have been issued had the true facts been known.

Internal Employee Fraud Occurs where any alleged misconduct or suspicious, fraudulent and / or illegal activity suspected of being committed against CNPL by an employee who either acts alone, or in concert with other third parties.

Any person who suspects that Fraud against CNPL is occurring, has occurred or will occur, should report the matter to CNPL via e-mail. CNPL takes every possible measure to keep all e-mails and calls confidential. CNPL appreciates your critical assistance in this fight against fraud.

 

Take note:

• CNPL have not and will never cold call anyone. Our customers come to us, we don’t go to them.

 

IP Address Blocking

IP addresses from which fraudulent activities have been perpetuated from are automatically blocked for life

 

Email Address Blocking

Email addressed used in perpetuating fraud on our platform are blocked for life

 

Social Media Blocking

We take proactive steps to ban fraudulent social media accounts from messaging us and/or having access to our social media accounts entirely.

 

Blacklisting

We reserve the right to block and remove any suspected fraudulent user of our services.

 


It is an offence to knowingly give false, inaccurate or misleading information when applying for a loan. If you give such information, you may face criminal prosecution and/or civil action for the recovery of any losses incurred by us.

BY VIRTUE OF OUR TARGET USER GROUP (SALARIED WORKERS & REGISTERED BUSINESS OWNERS), YOU ARE EXPECTED TO BE ABLE TO SPEAK, READ, WRITE AND UNDERSTAND BASIC ENGLISH TO FOLLOW SIMPLE SERVICE USE INSTRUCTIONS, OR WHERE APPLICABLE, SEEK INDEPENDENT LEGAL AND/OR FINANCIAL ADVICE BEFORE USING OUR SERVICES - ONCE YOU'RE APPROVED AS AN ANCHOR QUALIFIED APPLICANT OR USER, THEN YOU CAN LOGIN WITH THE VALID DETAILS WE WILL PROVIDE YOU AND ADD UP TO 10 PERSONS (FAMILY MEMBERS AND/OR MEMBERS OF YOUR HOUSEHOLD), WHO DO NOT NEED TO BE EMPLOYED OR INCOME EARNERS.

OUR 24/7 ONLINE SUPPORT COMPLIMENTS THE ABUNDANT INFORMATION ALREADY PROVIDED ON THIS PLATFORM, AND NOT TO REPEAT AND/OR REPLACE THE READILY AVAILABLE INFORMATION AT THE CLICK OF THE BUTTON.

Qualified information provided on this platform may be general in nature and not specific to your personal circumstances. Always seek medical advice from a qualified professional (not necessarily affiliated to us).

This NO UPFRONT FEES service is Strictly for Salaried Workers (Public or Private Sector) and Registered Business Owners, makes no room for useless pre-signup meetings, talkshop or paper applications - all signups are done online via this platform only - We only provide detailed real-time support and/or engagement to qualified applicants (and/or users) in our database. Using this platform constitutes acceptance of the terms, rules and conditions that govern our operations. This service is currently only available in Ghana, the UK and Selected Global Locations. Legal & Compliance Provided by TLA Firm & Country-Specific Partners.

© 2024 Care Now Pay Later (Ghana), affiliated to DCANS Healthcare Ghana and The DCANS Healthcare UK, as well as Kaizer Pharma and GMU Medical are all part of TDG Healthcare Group of The DCANS Group Limited (Registered in England & Wales, CRN: 12645872, VAT #: GB 157 9161 82), but dual-headquartered in Ghana and the UK, which is itself owns the TDG Global Credit System made up of Payment Providers DCANS Pay and Quid Pay, Earned Wage Access Providers Sikamaster Loans (Ghana) and Quidmaster Loans (UK), Direct Mortgage Providers DCANS Mortgage Ghana and DCANS Mortgage UK, Institutional Investors DCANS Investments (Ghana)and DCANS Capital (UK) (CRN: 07970200), Groupwide IHB DBL IHB (CRN:09012597), as well as Hedgie C57H and Osei Family Office OSFO, and Proprietary Trading Platforms DCANS FX and XAU79 and Crypto81 and CityStreet Coders & Quants.