Important Definitions
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This page contains important definitions used to describe the Vidual platform

Definitions
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**Applicant**

An individual or business represented in the Vidual platform.

**Application**

A single unit representing the combination of applicant details and statements. A single applicant may have more than one application.
An application, once processed is represented by a GUID.

**Decide**

The process of running a specified decision rule against an application. The application needs to be "stored" before a "decide" is run.

**Decision Rule**

A rule implemented by Vidual in consultation with clients and partners which will be run across a set of application details, such as income, expenses, transactions (from OCR or supplied).
Decision rules are represented by a code, for example RULEABC. This is typically supplied as the *uniqueCode* parameter to the relevant API methods.

**Statement**

A bank account statement in PDF format. Bank account statements must be in their own file (e.g. multiple statements in a single file are not permitted) and the statement must be in a format that is from a supported bank and in a supported format.

**Store**

The combination of applicant details and statements which are uploaded and "stored" in the Vidual platform.

**Vidual**

A platform which assists lenders, payment providers and other online organisations to confirm the identity, income and expenses of their customers in real time.

**Vidual API**

The interface used to expose the functionality of the Vidual platform to partners and clients.
The Vidual API exposes this functionality via a webservice.