Sankofa Technologies Limited
Website terms and conditions of use
1. About our Terms
These Terms explain how you may use this website (the Site) which is provided by us free of charge. References in these Terms to the Site includes the following websites: sankofatlc.com, and all associated web pages. You should read these Terms carefully before using the Site. By accessing or using the Site or otherwise indicating your consent, you agree to be bound by these Terms and the documents referred to in them. If you do not agree with or accept any of these Terms, you should stop using the Site immediately. If you have any questions about the Site, please contact us by: e-mail info@sankofatlc.com, Monday to Saturday: 9 am to 6 pm.
2. Definitions
Content means any text, images, video, audio or other multimedia content, software or other information or material submitted to or on the Site;
Site means sankofatlc.com;
Terms means these terms and conditions of use as updated from time to time under clause 14;
Unwanted Submission has the meaning given to it in clause 8;
We means Sankofa Technologies Limited Company, company registration number CS018500223 and the registered office of which is at No 2 Integral Estates, Haatso Narhman (and us or our shall have the same meaning); and
You means the person accessing or using the Site or its Content (and your shall have the same meaning).
3. Using the Site
The Site is for personal commercial use only. You agree that you are solely responsible for (a) all costs and expenses you may incur in relation to your use of the Site; and (b) keeping your password and other account details confidential. The Site is intended for use only by those who can access it from within Ghana. If you choose to access the Site from locations outside Ghana, you are responsible for compliance with local laws where they are applicable. You shall be solely responsible for determining whether use of the Site is compliant with the applicable laws outside Ghana. By using this website, you confirm that you are not a minor. We seek to make the Site as accessible as possible. If you have any difficulties using the Site, please contact us at info@sankofatlc.com. As a condition of your use of the Site, you agree to comply with our Acceptable use policy, where applicable. We may prevent or suspend your access to the Site if you do not comply with any part of these Terms, any terms or policies to which they refer or any applicable law. Each client who wants to have access to our Services must first open an account via the Site. By opening an account and using our Services, you warrant that you have reached the minimum legal age for participation, and that you are the legal and beneficial owners of any linked bank or mobile money accounts. Please note that transactions will only be made to the person listed as the beneficiary. So the name and phone number of the beneficiary must match with the account details and registered ID presented upon collection.
4. Your privacy and personal information
Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with Ghanaian data protection laws and our privacy policy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information. Our privacy policy is available at https://sankofatlc.com/privacy-policy/.
We may also be required to disclose your information to government authorities, such as the police or any regulator(s), to comply with our legal obligations. We will also disclose information as required to enforce our terms of use as stated in these Terms.
5. Anti-money laundering
You warrant that the details you supply when using the Site, or our services are correct and you are the rightful owner of the money which you at any time deposit in your account or use to make payments.
By using our Site you agree and authorise our partners, assigns or agents to undertake verification checks from time to time as the laws may require or may be required by third parties (including, but not limited to, regulatory bodies) to confirm these facts.
You agree that from time to time, upon our request, you may be required to provide additional details in respect of any of information you have provided to us, including in relation to any deposits which you have made into your account.
In certain circumstances we may have to contact you and ask you to provide further personal information such as: a notarised ID, proof of address, utility bill or financial details. Until such information has been supplied to its satisfaction, we may prevent any activity in relation to the account. Where we reasonably believe that incorrect information has been provided deliberately, we may retain any amount deposited and take any action provided under applicable law.
6. Ownership, use and intellectual property rights
The Site and all intellectual property rights in it including but not limited to any Content are owned by us, our licensors or both (as applicable). Intellectual property rights means rights such as: copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind whether or not they are registered or unregistered (anywhere in the world). We and our licensors reserve all of our and their rights in any intellectual property in connection with these Terms. This means, for example, that we and they remain owners of them and free to use them as we and they see fit.
Nothing in these Terms grants you any legal rights in the Site other than as necessary to enable you to access the Site. You agree not to adjust or to try to circumvent or delete any notices contained on the Site (including any intellectual property notices) and in particular in any digital rights or other security technology embedded or contained within the Site.
Trade marks: the company’s logo and related symbols are our trademarks. Other trademarks and trade names may also be used on the Site. The use of any trademarks on the Site is strictly prohibited unless you have our prior written permission.
6. Software
Software may be made available for you to download in order to help the Site work better. You may only use such software if you agree to be bound by the terms and conditions that apply to such software (this is sometimes known as an ‘end user licence agreement’ or ‘EULA’). You will be made aware of any terms and conditions that apply to the software when you try to download it. If you do not accept such terms and conditions, you will not be allowed to download the software. You should read any terms and conditions carefully to protect your own interests (they may contain provisions that set out what your legal rights are, what your legal responsibilities are when using software, what the software provider’s legal responsibilities are, and provisions that limit a software provider’s legal responsibilities to you). All such software is solely for your personal use in a non-commercial manner. Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these Terms and any others that apply to it) is expressly prohibited and may result in civil and criminal penalties.
7. Submitting information to the Site
While we try to make sure that the Site is secure, we cannot guarantee the security of any information that you supply to us and therefore we cannot guarantee that it will be kept confidential. For that reason, you should not let us have any patentable ideas or patent applications, advertising or marketing suggestions, prototypes, or any other information that you regard as confidential, commercially sensitive or valuable (Unwanted Submissions). While we value your feedback, you agree not to submit any Unwanted Submissions. We may use any Unwanted Submissions as we see reasonably fit on a free-of-charge basis (bear in mind that we have no way of knowing whether such information is confidential, commercially sensitive or valuable because we do not monitor the Site to check for these matters). Therefore, we will not be legally responsible for keeping any Unwanted Submissions confidential nor will we be legally responsible to you or anybody else for any use of such Unwanted Submissions.
8. Accuracy of information and availability of the Site
While we try to make sure that the Site is accurate, up-to-date and free from bugs, we cannot promise that it will be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that you may place on the information on the Site is at your own risk. We may suspend or terminate operation of the Site at any time as we see fit. Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes. While we try to make sure that the Site is available for your use, we do not promise that the Site is available at all times nor do we promise the uninterrupted use by you of the Site.
9. Hyperlinks and third party sites
The Site may contain hyperlinks or references to third party websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third party site.
10. Limitation on our liability
Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury) or arising under applicable laws relating to the protection of your personal information, we are not legally responsible for any losses that: (a) were not foreseeable to you and us when these Terms were formed; or (b) that were not caused by any breach on our part; (c) business losses; and (d) losses to non-consumers.
11. Events beyond our control
We shall have no liability to you for any breach of these Terms caused by any event or circumstance beyond our reasonable control including, but not limited to, strikes, lock-outs or other industrial disputes; pandemics and epidemics; breakdown of systems or network access; or flood, fire, explosion or accident.
12. Rights of third parties
No one other than a party to these Terms has any right to enforce any of these Terms.
13. Variation
These Terms are dated [30th November 2023 ]. No changes to these Terms are valid or have any effect unless agreed by us in writing or made in accordance with this clause 12. We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.
14. Disputes
We will try to resolve any disputes with you quickly and efficiently. If you are unhappy with us please contact us as soon as possible. If you and we cannot resolve a dispute using our complaint handling procedure, and you want to take court proceedings, the relevant courts of Ghana will have exclusive jurisdiction in relation to these Terms. The relevant Ghanaian law will apply to these Terms.