1. Accounts

When you create an account with us, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with our Service or a third-party service.

You agree not to disclose your password to any third party. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

2. KYC Verification

To use certain features of the Service, you may be required to complete a Know Your Customer (KYC) verification process. This process requires you to provide valid government-issued identification documents and other personal information.

You agree that all information provided for KYC verification is true, accurate, and complete. We reserve the right to suspend or terminate your account if we suspect fraudulent or false information.

KYC verification may be subject to approval by our compliance team, and we reserve the right to decline verification at our sole discretion.

3. Savings Circles & Contributions

SusuGhana facilitates digital rotational savings circles ("Circles"). By joining a Circle, you agree to:

• Contribute the agreed amount on the scheduled dates
• Abide by the rules and regulations set by the Circle organizer
• Not attempt to manipulate or defraud other Circle members
• Accept the payout schedule determined by the Circle's rotation order

Circle organizers are responsible for setting contribution amounts, schedules, and member limits. SusuGhana facilitates transactions but is not responsible for disputes between Circle members.

4. Payments & Payouts

All payments are processed through our third-party payment processors, including Paystack and Hubtel. By using the Service, you agree to the terms and conditions of these payment processors.

Payouts are made to your registered mobile money wallet according to the Circle's payout schedule. SusuGhana will make reasonable efforts to ensure timely payouts but is not liable for delays caused by third-party payment processors or network providers.

Standard mobile money transaction charges from your network provider may apply to contributions and payouts.

5. Fees & Subscriptions

SusuGhana offers free membership for individual savers. Organizers may subscribe to paid plans for additional features. Subscription fees are billed monthly and are non-refundable except as expressly stated in our refund policy.

We reserve the right to change our fees upon reasonable notice. Continued use of the Service after fee changes constitutes acceptance of the new fees.

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of SusuGhana Ltd and its licensors. The Service is protected by copyright, trademark, and other laws of Ghana and other countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of SusuGhana Ltd.

7. Limitation of Liability

In no event shall SusuGhana Ltd, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your use of or inability to use the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

8. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact us to request account deletion.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

10. Contact Us

If you have any questions about these Terms, please contact us at:

SusuGhana Ltd
123 Independence Avenue
Accra, Ghana
Email: support@susughana.com
Phone: +233 206 746 637