Policies built for institutions that lend

Caspre, developed and operated by AICE AFRICA Limited, is an AI-powered credit scoring platform that uses predictive and behavioural modelling to help financial institutions including commercial banks, microfinance institutions, SACCOs, digital lenders, and fintech companies move beyond traditional credit assessment methods and make faster, fairer, and more informed lending decisions. The Caspre platform processes loan applicant data, repayment histories, transactional behaviour, mobile money data, bureau information, and other financial variables to generate credit scores, risk grades, and probability-of-default outputs. Because this processing directly affects individuals access to credit, a high-impact outcome, AICE AFRICA Limited is committed to ensuring that Caspre is accurate, explainable, auditable, fair, and governed responsibly. This policy document combines public-facing terms of service, privacy commitments, responsible AI governance controls, and internal accountability structures into a single coherent framework. It is designed to help financial institution clients, regulators, auditors, compliance teams, and enterprise procurement functions understand how Caspre governs data, model risk, privacy, security, and client rights.