Legal

Terms of service

Last Updated: 31/08/2025

Welcome to SusuPaa. These Terms of Use constitute a legally binding agreement between you and Pavex Technologies LTD. governing your access to and use of the SusuPaa digital Susu management platform.

Please read these terms carefully before accessing or using the platform. By registering for, accessing, or using the platform, you acknowledge that you have read, understood, and agree to be bound by these terms and our privacy policy.

1. Definitions & Interpretation

“Platform”:The SusuPaa digital ecosystem, including all software, applications, websites, APIs, user interfaces, and associated services.
“Admin” or “Business Client”:A Susu business, financial institution, cooperative, or any other business entity that subscribes to the Platform to manage and administer savings groups.
“User” or “Member”:An individual who is invited by or registers under an Admin to participate in a savings group and use the Platform to make payments to admin, track their contributions and activities.
“Subscription Fee”:The recurring fee payable by an Admin for access to the Services selected.
“Services”:The specific features and functionalities provided by the Platform to Admins and Users, as described in Section 3.
“Third-Party Providers”:Licensed fintech companies, payment gateways, banks, telecommunications providers, identity verification services, and other service providers integrated with the Platform to facilitate its operations.
“Content”:Any data, text, graphics, images, music, software, audio, video, works of authorship of any kind, and information or other materials that are posted, generated, provided, or otherwise made available through the Services.
“User Content”:All Content that a User or Admin submits, transfers, or uploads to the Platform, including member lists, transaction records, and contribution data.

2. Acceptance of Terms and Modifications

By clicking “I Agree,” creating an account, or using the Platform, you represent and warrant that you have the legal capacity and authority to enter into these Terms.

SusuPaa may update these Terms at any time. If material changes are made, notice will be provided via the Platform (e.g., by updating the “Last Updated” date, email, or in-app notification). Continued use of the Platform constitutes acceptance of the revised Terms.

3. Description of Services

3.1. For Admins (Business Clients)

The Platform provides tools including, but not limited to:

  • Real-time contribution tracking, analytics, and dashboard reporting
  • Algorithmic identification of next payment recipients
  • Generation and download of custom reports (e.g., Excel, PDF)
  • Digital record-keeping and member management tools (onboarding, offboarding, communication)
  • Integrated Know Your Customer (KYC) services to verify the identities of Users on behalf of Admins
  • Technical support and onboarding assistance

3.2. For Users (Members)

The Platform provides, under the management of your Admin:

  • Access to your personal contribution history and current balance
  • Payout schedules and group rotation details
  • Notifications and reminders (as configured by the Admin)
  • A digital record of your savings group activities

4. Nature of Service; No Financial Services Provided

4.1. Technology Provider Only

SusuPaa is a technology platform provider ONLY. We are not a bank, credit union, microfinance institution, money service business, susu collector, or financial advisor.

4.2. Admin Responsibility

All financial arrangements, including collection, safeguarding, and disbursement of funds, are managed solely by Admins. Users transact directly with Admins, not with SusuPaa.

4.3. KYC and Compliance

  • SusuPaa facilitates KYC verification of Users on behalf of Admins through Third-Party Providers
  • While SusuPaa provides these tools, the ultimate responsibility for regulatory compliance, licensing, and lawful operation rests with Admins
  • Admins are responsible for ensuring that their use of KYC results provided by SusuPaa meets applicable anti-money laundering (AML) and counter-financing of terrorism (CFT) requirements

4.4. No Guarantee

SusuPaa does not guarantee the repayment of funds, the accuracy of payout schedules, or the financial reliability of Admins. Users must perform their own due diligence before joining a group.

5. Account Registration, Security, and Credentials

You are responsible for safeguarding your login credentials and for all activities that occur under your account. You agree to provide accurate information, maintain account security, and promptly notify SusuPaa of unauthorized access. SusuPaa will not be liable for losses arising from your failure to comply with these obligations.

6. Payment Processing & Third-Party Integrations

6.1. Third-Party Processors

The Platform may integrate with Third-Party Providers to process payments and facilitate services. These services are subject to the respective terms and privacy policies of those third parties. SusuPaa is not responsible for their actions or inactions.

6.2. No Custody

SusuPaa does not directly handle, store, or transmit User funds. All financial transactions are processed by designated Third-Party Providers.

7. Subscription, Fees, and Billing (For Admins)

7.1. Subscription Fees: Access for Admins requires payment of a recurring Subscription Fee, billed in advance on a 30-day cycle.
7.2. Payment Authorization: By providing a payment method, you authorize SusuPaa and its third-party processors to charge your method for the Subscription Fee.
7.3. Late Payment: Failure to pay may result in immediate suspension or termination of your account.
7.4. No Refunds: All fees are non-refundable to the fullest extent permitted by law.
7.5. Referral Program: Referral and discount programs are subject to separate rules at SusuPaa’s sole discretion.
7.6. Taxes: Admins are solely responsible for taxes, duties, and assessments related to their use of the Services.

8. Intellectual Property Rights

8.1. Platform IP: The Platform, its design, and functionality are the exclusive property of SusuPaa.
8.2. License Grant: SusuPaa grants a limited, non-exclusive, revocable license to access and use the Platform.
8.3. User Content: Users retain ownership of their Content but grant SusuPaa a license to host, use, and display it solely for operating the Platform.

9. Data Privacy and Security

Our collection and use of data is described in our Privacy Policy. SusuPaa implements commercially reasonable measures to protect data but cannot guarantee absolute security.

While SusuPaa implements commercially reasonable technical and organizational security measures designed to protect your data, we cannot guarantee absolute security. You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

10. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

  • Using the Platform for any unlawful purpose or to solicit others to perform or participate in any unlawful acts
  • Violating any international, federal, provincial, or state regulations, rules, laws, or local ordinances
  • Infringing upon or violating our intellectual property rights or the intellectual property rights of others
  • Uploading or transmitting viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Platform
  • Attempting to disrupt, damage, or otherwise interfere with the Platform’s servers or networks
  • Using the Platform to facilitate any form of financial fraud, scam, or pyramid scheme

11. Disclaimer of Warranties

Your use of the platform is at your sole risk. The platform is provided on an “as is” and “as available” basis.

SusuPaa expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. SusuPaa makes no warranty that (i) the platform will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, or (iii) the results that may be obtained from the use of the service will be accurate or reliable.

12. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall SusuPaa, 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 access to or use of or inability to access or use the platform
  • Any conduct or content of any third party (including admins and other users) on the platform
  • Any unauthorized access to or use of our servers and/or any personal information stored therein
  • Any interruption or cessation of transmission to or from the platform
  • Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the platform by any third party
  • Any loss of funds, financial mismanagement, or failure of an admin to fulfill its obligations
  • Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the platform

In no event shall SusuPaa’s aggregate liability for all claims relating to the platform exceed the total amount of subscription fees received by SusuPaa from the admin in the one (1) month immediately preceding the event giving rise to the claim.

13. Indemnification

You agree to defend, indemnify, and hold harmless SusuPaa and its licensors, suppliers, and affiliates, and their respective directors, officers, employees, and agents 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: (a) your use of and access to the Platform; (b) your violation of any term of these Terms; (c) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (d) any claim that your User Content caused damage to a third party. This defense and indemnification obligation will survive these Terms and your use of the Platform.

14. Termination

These Terms remain in effect while you use the Platform. We may suspend or terminate your account or cease providing you with all or part of the Platform at any time for any or no reason, including, but not limited to, if we reasonably believe: (i) you have violated these Terms; (ii) you create risk or possible legal exposure for us; or (iii) our provision of the Platform to you is no longer commercially viable.

Upon termination, your right to use the Platform will immediately cease. Provisions of these Terms that, by their nature, should survive termination (including, without limitation, ownership provisions, warranty disclaimers, indemnification, and limitations of liability) shall survive.

15. Governing Law and Dispute Resolution

15.1. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict of law provisions.
15.2. Amicable Settlement: The parties agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms through good-faith negotiations between appointed representatives.
15.3. Arbitration: If the dispute cannot be resolved amicably within thirty (30) days, it shall be finally resolved by arbitration under the Rules of the Ghana Alternative Dispute Resolution Centre (GADRAC). The seat of arbitration shall be Accra, Ghana. The language of the arbitration shall be English.
15.4. Court Action: Notwithstanding the above, either party may seek injunctive or other equitable relief from any court of competent jurisdiction to protect its intellectual property rights or confidential information, without first following the arbitration procedure.

16. Miscellaneous

16.1. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire and exclusive understanding and agreement between SusuPaa and you regarding the Platform and supersede all prior oral or written understandings or agreements.
16.2. Severability: If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
16.3. Assignment: You may not assign or transfer these Terms, by operation of law or otherwise, without SusuPaa’s prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. SusuPaa may freely assign or transfer these Terms.
16.4. No Waiver: The failure of SusuPaa to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

17. Contact Information

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

SusuPaa

Office Location: Adenta, Ghana

info@susupaa.com
+233 247 927 913

By using the SusuPaa platform, you acknowledge that you have read, understood, and agreed to be bound by these terms of use.