Terms for using the register

By visiting this site, logging into the member portal, or calling the API, you agree to these terms. If you are acting on behalf of a member institution, you are agreeing on that institution's behalf, and are confirming you are authorised to do so.

TmpTech Credit Bureau is Tonga's national credit information register, operated under licence from the National Reserve Bank of Tonga. The public-facing site is informational. Access to the register itself — the member portal and the API — is restricted to institutions approved by the bureau as members, and to the bureau's own staff. There is no public self-service account; the register is built and populated by member institutions, not by individual sign-up.

Membership is by approval of the bureau, and is limited to institutions licensed or regulated to extend credit in Tonga. Membership can be suspended or terminated for breach of these terms, submission of inaccurate data in bad faith, or failure to keep fees current — the bureau will give written notice and a reasonable opportunity to respond before doing so, except where continued access would itself cause harm (for example, a confirmed data breach on the member's side).

By submitting a trade line, a member institution confirms that:

• The data reflects an actual credit relationship it holds with the subject.
• It is accurate as of the reporting period submitted.
• It will correct or withdraw the data promptly if it later turns out to be wrong.

Getting this wrong isn't a formality — a bank's own bad data becomes every other member's bad decision. A member remains responsible for the accuracy of what it submits even after it leaves the register.

A member institution may only enquire against a subject's file for a legitimate credit purpose — assessing an application, a periodic review of an existing facility, or a similar purpose recorded on the enquiry — and only with the subject's consent, which it must hold before enquiring and must be able to produce if asked. Enquiring "to see what's there" without a live purpose is a breach of these terms and, on a national credit register, a serious one.

Data obtained from the register — a subject's own record or another institution's trade line data seen through an enquiry — is for the requesting institution's own credit decision only. It may not be resold, redistributed, used for marketing, or disclosed to anyone outside the institution's own credit process.

Membership, submission, and enquiry fees are set out in the bureau's fee schedule provided at onboarding, and billed through the member's account on the platform. The bureau will give reasonable notice before a fee change takes effect for existing members.

Either a subject or another member institution may raise a dispute against a trade line. The reporting institution is expected to investigate and respond — correcting, confirming, or withdrawing the entry — within a reasonable time; an entry under dispute is marked as such on the register while that happens, rather than left to read as an uncontested fact.

API access is authenticated by token, issued per member institution, and must not be shared outside that institution. Rate limits and batch size limits (published in the API documentation) exist to keep the register usable for every member and may be enforced automatically. Attempting to bypass authentication, rate limits, or row-level access scoping is a breach of these terms.

The public site — this page, the homepage, and the API documentation — may be used for its intended purpose: learning about the bureau and, for approved members, reaching the login page. Scraping, attempting to enumerate subjects or member institutions, or probing the site for vulnerabilities without authorisation is not permitted.

The TmpTech Credit Bureau name, mark, and the site's own content are the bureau's property. Credit data submitted by a member institution remains that institution's data; the bureau's compilation, scoring, and register of it is the bureau's own work product.

Questions about these terms, or about membership: info@tmptech.to.