TERMS & CONDITIONS

Naa Sika Micro Savings is authorised to use an app/bot convenient on any operating platform: Android, iOS, macOS, web etc to collect savings, investments, pensions, payments and Insurance from its customers of the legal age of eighteen (18) years and above. The depositors shall use the accepted currency by the app/bot.

JURISDICTION AND RESTRICTION

NAA SIKA controls and maintains this APP/BOT from Ghana. The materials and information contained in this section of this APP/BOT, relating to Ghana, are directed at and restricted to an individual resident or entities having a place of business in Ghana ONLY. The Bank makes no representation that the materials and information contained herein are appropriate or available for use in other locations/jurisdictions.

These Terms and Conditions are governed by and construed in accordance with the laws of Ghana and any dispute relating thereto shall be subject to the non-exclusive jurisdiction of the courts of Ghana.

PRODUCTS AND SERVICES

This APP/BOT does not constitute an offer or solicitation on the part of the NAA SIKA to provide any products or services described therein to any person to whom it is unlawful to make such offer or solicitation or where the local law or regulation does not permit the purchase of, subscription for or otherwise use of such products or services. If in doubt, you should check with your Local Regulator Authority or Professional Advisor before using any such products or services.

BY PROCEEDING TO READ THIS INFORMATION, YOU ARE AGREEING AND CONFIRMING THAT YOU DO NOT RESIDE IN OR ARE NOT PROPOSING TO PURCHASE OR SUBSCRIBE TO ANY PRODUCTS OR SERVICES FROM, ANY JURISDICTION OUTSIDE GHANA. IF THIS IS NOT THE CASE, PLEASE CLICK THE "BACK" BUTTON ON YOUR BROWSER.

Products and services are available only in a particular location at the sole discretion of the NAA SIKA, subject to the individual terms and conditions on which they are offered, and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations. Fees, commissions or other charges may apply to certain products or services.

MATERIALS AND INFORMATION

Materials and information contained in this APP/BOT should not be regarded as an offer or solicitation to buy or sell any products or services in any country to any person to whom it is unlawful to make such an offer or solicitation. For materials or information relating to any external third parties or their products or services, it is retransmitted by the NAA SIKA in the ordinary course of business to you for information and reference only. NAA SIKA, its officers, employees, and agents do not devise, select, add to, modify or otherwise exercise control over the contents of this APP/BOT, and do not accept any responsibility whatsoever for it nor do they be regarded as having endorsed such material or information or any part thereof.

Materials, information, marks and logos contained in or displayed on this APP/BOT are protected by intellectual property rights under applicable laws. No part of these materials, information, marks and logos may be modified, reproduced, stored in a retrieval system, transmitted, copied, distributed or used in any other way for any commercial or public purposes without the written permission of NAA SIKA or the party owning this material, information, marks and logos.

DISCLAIMER

WHILST EVERY CARE HAS BEEN TAKEN IN PREPARING THE MATERIALS AND INFORMATION CONTAINED IN THIS APP/BOT, SUCH MATERIALS AND INFORMATION ARE PROVIDED ON AN "AS IS" BASIS WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING NON-INFRINGEMENT, SECURITY, ACCURACY, RELIABILITY, FITNESS FOR A PURPOSE OR FREEDOM FROM COMPUTER VIRUSES IS GIVEN IN CONNECTION WITH SUCH MATERIALS AND INFORMATION.

THE MATERIALS AND INFORMATION CONTAINED IN THIS APP/BOT ARE PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS FOR MAKING DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA THIS APP/BOT SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION OR SPECIFIC PROFESSIONAL ADVICE. YOU ARE RECOMMENDED TO OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE.

GEOGRAPHIC, POLITICAL, ECONOMIC, STATISTICAL, FINANCIAL AND EXCHANGE RATE DATA ARE PRESENTED IN CERTAIN CASES IN APPROXIMATE OR SUMMARY OR SIMPLIFIED FORM AND MAY CHANGE OVER TIME. RELIANCE HAS BEEN PLACED BY THE EDITORS ON CERTAIN SUCH DATA OBTAINED EXTERNALLY FROM STATISTICAL DATA WHICH, THOUGH BELIEVED TO BE CORRECT, MAY NOT IN FACT BE ACCURATE. THE BANK ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM ACTION TAKEN, OR NOT TAKEN, BY OR FOR YOU OR OTHERWISE, IN RELIANCE ON MATERIALS OR INFORMATION CONTAINED IN THIS APP/BOT. IN PARTICULAR, NO WARRANTY IS GIVEN THAT ANY MATERIALS, INFORMATION OR DATA CONTAINED IN THIS APP/BOT ARE ACCURATE, RELIABLE OR UP-TO-DATE.

NAA SIKA ACCEPTS NO LIABILITY AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM YOUR USE OF THIS APP/BOT, HOWSOEVER ARISING, INCLUDING ANY LOSS, DAMAGE OR EXPENSE ARISING FROM, BUT NOT LIMITED TO, ANY DEFECT, ERROR, IMPERFECTION, FAULT, MISTAKE OR INACCURACY WITH THIS APP/BOT, ITS CONTENTS OR ASSOCIATED SERVICES, OR DUE TO ANY UNAVAILABILITY OF THE APP/BOT OR ANY PART THEREOF OR ANY CONTENTS OR ASSOCIATED SERVICES, WHERE SUCH EVENTS AROSE OUT OF CIRCUMSTANCES OUTSIDE NAA SIKA’S REASONABLE CONTROL.

PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS APP/BOT IS AT YOUR OWN RISK AND NAA SIKA NEITHER ASSUMES NOR ACCEPTS LIABILITY FOR ANY LOSS OR DAMAGE (WHETHER DIRECT OR INDIRECT), HOWSOEVER CAUSED, AS A RESULT OF ANY COMPUTER VIRUSES, TROJAN HORSES, WORMS, SOFTWARE BOMBS OR SIMILAR ITEMS OR PROCESSES ARISING FROM YOUR USE OF THIS APP/BOT, WHERE SUCH EVENTS AROSE OUT OF CIRCUMSTANCES OUTSIDE NAA SIKA'S REASONABLE CONTROL.

ANY HYPERTEXT LINK FROM THIS APP/BOT EXIST FOR INFORMATION PURPOSES AND IS FOR YOUR CONVENIENCE ONLY AND NAA SIKA ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIFIC, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM THE ACCURACY OR OTHERWISE OF MATERIALS OR INFORMATION CONTAINED ON THE PAGES OF SUCH SITES OR LOSS ARISING DIRECTLY OR INDIRECTLY FROM DEFECTS WITH SUCH SITES LINKED. NAA SIKA'S INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIALS ON SUCH SITES LINKED.

NAA SIKA DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE APP/BOT WILL BE SENT TO YOU OR RECEIVED BY NAA SIKA NOR DOES NAA SIKA WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION WHICH IS OUTSIDE NAA SIKA’S REASONABLE CONTROL. NAA SIKA ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM FAILURE OF ANY INTERNET TRANSMISSION (INCLUDING E-MAILS CORRESPONDENCE) FROM THIS APP/BOT OR OTHERWISE.

DATA PRIVACY

Unless restricted by Ghana's applicable laws, you agree that any and all personal information/data relating to you collected by NAA SIKA from this APP/BOT may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with NAA SIKA's prevailing APP/BOT Privacy Statement as amended from time to time.

INDEMNITY

YOU HEREBY AGREE TO INDEMNIFY AND TO KEEP NAA SUSU FULLY AND EFFECTIVELY INDEMNIFIED AGAINST ANY ACTION, LIABILITY, COST, CLAIM, LOSS, DAMAGE, PROCEEDING OR EXPENSE (INCLUDING LEGAL FEES, COSTS AND EXPENSES ON A FULL INDEMNITY BASIS) SUFFERED OR INCURRED BY NAA SIKA ARISING FROM OR WHICH IS DIRECTLY OR INDIRECTLY RELATED TO:

TERMINATION

NAA SIKA may terminate these terms and conditions, your access to this APP/BOT and use of online services at any time, without prior notice to you.

MODIFICATION

NAA SIKA reserves the right in its discretion to change at any time without prior warning or notice any information or material contained on this APP/BOT and is entitled to from time to time amend the terms and conditions under which this APP/BOT is used with prior notice to you. If you continue to access this APP/BOT or use any of the online services after such modification, you are regarded to have agreed to be bound by such modified information, material, and terms and conditions.

INTELLECTUAL PROPERTY RIGHTS

All contents of this APP/BOT including but not limited to the texts, graphics, links and sounds are the copyright of NAA SIKA and may not be copied, downloaded, distributed or published in any way without the prior written consent of NAASIKA SUSU ENTERPRISE.

“Naa Sika Micro Savings” and “NAASIKA SUSU ENTERPRISE” are registered trademarks and service marks of Naa Sika and no permission or license is granted to use any such trademarks or service marks without the prior written consent of NAA SIKA SUSU ENTERPRISE. All other marks, names and logos used on this APP/BOT relating to NAA SIKA or to their products or services are the intellectual property rights held by NAA SIKA unless otherwise stated.