Adehyeman Savings and Loans Limited
Effective Date: January 1, 2026

These Terms of Service govern the use of services, platforms, and systems provided by Adehyeman Savings and Loans Limited (“the Institution”, “we”, “our”, or “us”).

By accessing or using our services, you agree to comply with these Terms.

1. Use of Services

Users agree to:

• Use services for lawful purposes only
• Provide accurate and complete information
• Maintain the confidentiality of login credentials
• Comply with all applicable laws and regulations

2. Account Responsibility

Users are responsible for:

• All activities conducted under their accounts
• Protecting access credentials and preventing unauthorized use

3. Service Availability

While we strive to ensure continuous availability, services may be interrupted due to:

• System maintenance
• Technical failures
• External factors beyond our control

4. Data and Security

We implement appropriate security measures to protect systems and data. However, users acknowledge that:

• No system is completely secure
• They share responsibility for protecting their access credentials

5. Third-Party Services

Some services may involve third-party providers. The Institution shall not be held liable for:

• Failures or disruptions caused by third parties
• External system vulnerabilities

6. Limitation of Liability

The Institution shall not be liable for:

• Indirect or consequential losses
• Loss arising from system downtime or service interruptions
• Unauthorized access resulting from user negligence

7. Compliance and Monitoring

We reserve the right to:

• Monitor system usage
• Restrict or suspend access where misuse is detected
• Take necessary actions to ensure compliance

8. Termination of Access

Access to services may be suspended or terminated if:

• Terms are violated
• Security threats are identified
• Regulatory requirements necessitate action

9. Amendments

These Terms may be updated periodically. Continued use of services constitutes acceptance of the revised terms.

10. Governing Law

These Terms shall be governed by the laws of the Republic of Ghana.

11. Contact Information

For inquiries regarding these Terms, please contact:

Adehyeman Savings and Loans Limited
Email: info@adehyeman.com
Phone: +233 30 225 2071