Last Updated: May 15, 2024
These Terms and Conditions ("Terms") govern your access to and use of the ANSOREMILO website, mobile applications, and services (collectively, the "Services"). Please read these Terms carefully. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.
ANSOREMILO ("we," "our," or "us") is a financial technology company registered in Ghana that provides digital finance solutions, including savings, investment, and advisory services.
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the updated Terms on our website. Your continued use of our Services after any such changes constitutes your acceptance of the new Terms.
To use our Services, you must:
We reserve the right to refuse service, terminate accounts, or remove content at our discretion, particularly if we believe you are violating these Terms or applicable laws.
To access certain features of our Services, you may need to register for an account. When registering, you agree to:
You are solely responsible for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to maintain the security of your account.
ANSOREMILO offers various financial products, including but not limited to:
Each product has specific terms, conditions, and fees that will be disclosed to you before you enroll in the service.
Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results. Before investing, please consider your investment objectives, risk tolerance, and the fees and expenses associated with each investment product.
We do not guarantee any particular investment outcome, and market conditions can cause the value of investments to fluctuate. We recommend that you consult with a financial advisor before making investment decisions.
Our advisory services are provided for informational purposes only and should not be construed as legal, tax, or financial advice. The information we provide is general in nature and may not be applicable to your specific circumstances.
The fees for our Services vary by product and are disclosed before you enroll in any service. By enrolling in our Services, you agree to pay all applicable fees as they become due.
For subscription-based services, you authorize us to charge the payment method you provide on a recurring basis until you cancel the subscription. You are responsible for maintaining current and valid payment information.
All fees are quoted in Ghanaian Cedi (GHS) and are subject to change upon notice. Changes in fees will not apply retroactively and will take effect on your next billing cycle.
We may offer promotional rates or discounts at our discretion. Any promotional offer will specify its terms, including duration and eligibility requirements.
All content on our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of ANSOREMILO or its content suppliers and is protected by Ghanaian and international copyright, trademark, and other intellectual property laws.
Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.
We grant you a limited, non-exclusive, non-transferable license to access and use our Services for your personal, non-commercial purposes. This license does not include:
This license will terminate automatically if you violate any of these restrictions.
When using our Services, you agree not to:
We reserve the right to terminate your access to our Services for violating any of these prohibitions.
Our Services may contain links to third-party websites or services that are not owned or controlled by ANSOREMILO. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
You acknowledge and agree that ANSOREMILO shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
To the maximum extent permitted by applicable law, in no event shall ANSOREMILO, its affiliates, directors, employees, agents, or licensors be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to your use of, or inability to use, our Services.
In no event will our total liability to you for all claims, damages, losses, and causes of action exceed the amount paid by you, if any, for accessing or using our Services during the twelve (12) months preceding your claim.
These limitations of liability apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, and even if we have been advised of the possibility of such damage.
You agree to defend, indemnify, and hold harmless ANSOREMILO, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms.
Upon termination, your right to use our Services will immediately cease. If you wish to terminate your account, you may simply discontinue using our Services or contact us to request account deletion.
All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions.
Any legal action or proceeding arising out of or relating to these Terms shall be instituted in the courts of Ghana, and you consent to the jurisdiction of such courts.
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or our Services, you agree to first attempt to resolve the dispute informally by contacting us.
If we are unable to resolve the dispute informally, both parties agree to submit the dispute to binding arbitration in Accra, Ghana, in accordance with the rules of the Ghana Arbitration Centre.
Any arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding on both parties.
If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of ANSOREMILO.
These Terms, together with our Privacy Policy and any other legal notices or additional terms and conditions published by ANSOREMILO on our Services, constitute the entire agreement between you and ANSOREMILO concerning your use of our Services.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by posting the new Terms on our website and updating the "Last Updated" date.
Your continued use of our Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.
If you have any questions about these Terms, please contact us at:
ANSOREMILO
Flat 69v Robertson Centers
Zacharyburgh, GU7 9SD
Ghana
Email: [email protected]
Phone: +447026652436
By using our Services, you acknowledge that you have read these Terms, understood them, and agree to be bound by them. If you do not agree to these Terms, you must not use our Services.