Credit Cafe

Last updated: 30th March 2023

Introduction and Acceptance of Terms

Welcome to Credit Cafe Africa! These Terms of Service ("Terms") govern your access to and use of the Credit Cafe Africa platform ("Platform") and any related services provided by Credit Cafe Africa ("we", "us", or "our"). By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Platform.

These Terms apply to all visitors, users, and others who access or use the Platform. Please read these Terms carefully and ensure that you understand them before using the Platform. By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Accounts and Registration

To access certain features of the Platform, you may be required to create an account. When creating an account, you agree to provide accurate, current, and complete information about yourself as prompted by the registration process. You are responsible for maintaining the confidentiality of your account password and for any activities or actions that occur under your account. You agree not to share your account password with any third party.

You must notify us immediately if you become aware of any unauthorized access to or use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to comply with this section.

Use of the Platform

By using the Platform, you agree to comply with all applicable laws and regulations, and to only use the Platform for lawful purposes. You may not use the Platform for any illegal or unauthorized purpose, nor may you use the Platform in any manner that could damage, disable, overburden, or impair the Platform or interfere with any other party's use and enjoyment of the Platform.

You agree not to engage in any activity that may harm or potentially harm the Platform, its users, or any third parties. This includes, but is not limited to, transmitting or distributing any malicious software, engaging in any form of harassment or abuse, or attempting to gain unauthorized access to any part of the Platform or any systems or networks connected to the Platform.

You also agree that you will not use any automated system, including but not limited to, robots, spiders, or offline readers, to access the Platform in a manner that sends more request messages to our servers than a human can reasonably produce in the same period by using a conventional web browser.

By using the Platform, you acknowledge and agree that we have the right to monitor, remove, or modify any content or activity on the Platform at our sole discretion. We may also take any legal action that we deem appropriate in response to any violation of these Terms or any applicable laws or regulations.

Intellectual Property Rights

All content, features, and functionality on the Credit Cafe Africa platform, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of Credit Cafe Africa or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Any unauthorized use of the materials on the platform is strictly prohibited. You agree to not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our platform, except as necessary for your personal, non-commercial use.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, protect, and share your personal information when you access and use the Credit Cafe Africa platform. By agreeing to these Terms of Service, you acknowledge that you have read, understood, and agreed to be bound by the provisions of our Privacy Policy.

Third-Party Links and Services

Credit Cafe Africa may provide links to third-party websites or services for your convenience and information. These third-party sites are not under our control, and we are not responsible for their content, products, services, or privacy practices. The inclusion of any link does not imply endorsement by Credit Cafe Africa. We recommend that you review the terms and conditions and privacy policies of any third-party websites or services that you visit.

User-Generated Content and Conduct

By submitting or posting any content, comments, or other materials on the Credit Cafe Africa platform (collectively, "User-Generated Content"), you grant Credit Cafe Africa a non-exclusive, royalty-free, worldwide, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User-Generated Content throughout the world in any media.

You represent and warrant that (a) you own or control all rights in and to your User-Generated Content and have the right to grant the license granted above, (b) your User-Generated Content does not violate the rights of any third party, including without limitation, copyright, trademark, privacy, or other personal or proprietary rights, and (c) your User-Generated Content will not cause injury to any person or entity.

You agree not to use the Credit Cafe Africa platform to post, transmit, or share User-Generated Content that is unlawful, defamatory, libelous, abusive, harassing, threatening, obscene, or otherwise objectionable, or that infringes on any intellectual property or other rights of any third party. Credit Cafe Africa reserves the right, but has no obligation, to review and remove any User-Generated Content at its sole discretion.

Termination and Suspension of Access

Credit Cafe Africa reserves the right to terminate or suspend your account and access to the platform at any time, without prior notice or liability, for any reason, including but not limited to a breach of these Terms. Upon termination, your right to use the platform will immediately cease. All provisions of these Terms that, by their nature, should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Disclaimers and Limitation of Liability

To the maximum extent permitted by applicable law, Credit Cafe Africa and its affiliates, directors, employees, agents, and licensors disclaim all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Credit Cafe Africa does not warrant that the platform will be uninterrupted, secure, or error-free, or that any errors will be corrected.

In no event shall Credit Cafe Africa or its affiliates, directors, employees, agents, or licensors 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 (i) your access to or use of or inability to access or use the platform; (ii) any conduct or content of any third party on the platform; (iii) any content obtained from the platform; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

Indemnification

You agree to defend, indemnify, and hold harmless Credit Cafe Africa and its affiliates, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the platform; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation, any copyright, property, or privacy right; or (iv) any claim that your content caused damage to a third party. This indemnification obligation will survive these Terms and your use of the platform.

Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of Ghana, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Accra, Ghana, and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

Dispute Resolution and Arbitration

In the event of any dispute, claim, or controversy arising out of or in connection with your use of the platform or these Terms, the parties shall first attempt to resolve the dispute through good faith negotiations. If the dispute cannot be resolved through negotiations, the parties agree to submit the dispute to binding arbitration administered by [Arbitration Institution], in accordance with its applicable rules and procedures. The arbitration shall take place in Accra, Ghana, and the language of the arbitration shall be English. The arbitrator's award shall be final and binding on the parties, and judgment on the award may be entered in any court having jurisdiction thereof.

Changes to the Terms of Service

We reserve the right, at our sole discretion, to modify or replace these Terms of Service at any time. If a revision is material, we will make reasonable efforts 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 Platform after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Platform.

Severability and Waiver

If any provision of these Terms of Service is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. Any failure by us 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 Credit Cafe Africa.

Assignment

You may not assign or transfer your rights or obligations under these Terms of Service, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer your rights or obligations under these Terms, without such consent, will be null and void. We may assign or transfer our rights and obligations under these Terms, at our sole discretion, without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

Contact Information

If you have any questions or concerns about these Terms of Service or your experience with the Credit Cafe Africa Platform, please do not hesitate to contact us at:

Credit Cafe Africa

C225/16 Ellebal House

Accra, Ghana

[email protected]