Introduction
Welcome to MeSusu, a digital savings platform owned and operated by Wired Intelligence Limited, trading as Blache ("Blache," "we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of the MeSusu platform, including any content, functionality, and services offered on or through the software application (the "App") available on the Web, Android, iOS platforms as well as any other software platforms.
By accessing or using the MeSusu App, you agree to comply with and be bound by these Terms. Please read these Terms carefully before using the App. If you do not agree with these Terms, you must not access or use the App.
1.1 Updates to the Terms
We may revise these Terms from time to time at our sole discretion. We will notify you of any changes by prompting you via the App or by sending you an email notification (if applicable). All changes are effective immediately upon posting, and your continued use of the App following the posting of the updated Terms means that you accept and agree to the changes
2. Acceptance of Terms
2.1 Legal Agreement
These Terms constitute a legally binding agreement between you and Blache. By using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you are using the App on behalf of an entity, you represent that you have the authority to bind that entity to these Terms.
2.2 Age Requirement
The MeSusu App is intended for users who are at least 18 years old. By using the App, you represent and warrant that you are of legal age to form a binding contract with Blache and meet all of the eligibility requirements outlined in these Terms. If you do not meet these requirements, you must not access or use the App.
3. Account Creation and Management
3.1 Registration Process
To access certain features of the MeSusu App, you must create an account ("Account"). During the registration process, you will be required to provide accurate and complete information, including your full name, email address, phone number, and verification details, such as a government-issued identification document for Know Your Customer (KYC) compliance.
You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. Blache reserves the right to suspend or terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, not current, or incomplete.
3.2 Account Security
You are responsible for maintaining the confidentiality of your login credentials, including your username and password, and for all activities that occur under your Account. You agree to notify Blache immediately if you suspect any unauthorized access to or use of your Account. We are not liable for any loss or damage arising from your failure to comply with this responsibility.
You may not transfer your Account to any other person or entity without our prior written approval. You agree to take all necessary precautions to protect your Account information and prevent unauthorized access.
3.3 Account Termination
Blache reserves the right to terminate, suspend, or disable your Account at any time, with or without notice, if we believe that you have violated these Terms, engaged in fraudulent activity, or conducted yourself in a manner that may harm the reputation or operations of MeSusu, its users, or any other third party.
In the event of termination or suspension, your right to use the App will cease immediately. You may also lose any data associated with your Account, including any savings Boxes you have created. Blache will not be liable to you or any third party for any termination or suspension of your Account or the loss of such data.
4. User Responsibilities and Conduct
4.1 Prohibited Activities
You agree not to use the MeSusu App for any unlawful purpose or engage in any activity that violates these Terms. Prohibited activities include, but are not limited to:
- Engaging in any fraudulent, deceptive, or manipulative practices.
- Posting or transmitting any content that is unlawful, defamatory, obscene, offensive, or otherwise objectionable.
- Attempting to interfere with or disrupt the App's functionality, including by introducing viruses, bots, or other harmful code.
- Using the App to harass, abuse, or harm another person, or to promote violence, discrimination, or hatred.
- Accessing or attempting to access any data, content, or systems not intended for you, or breaching or attempting to breach any security or authentication measures.
4.2 Content Guidelines
All content you upload, post, or share on the MeSusu App must comply with community guidelines and be respectful and lawful. Blache reserves the right to remove any content that violates these guidelines or is otherwise deemed inappropriate at our sole discretion. Additionally, we may suspend or terminate your Account if you repeatedly violate our content guidelines.
5. Intellectual Property
5.1 Ownership of Content
All content on the MeSusu App, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software (collectively, the "Content"), is the property of Blache or its licensors and is protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws.
You may access and use the Content for personal, non-commercial purposes only, provided that you do not modify or create derivative works from any Content without our express written permission. Any unauthorized use of the Content may violate copyright, trademark, and other laws and is strictly prohibited.
5.2 Trademarks
The MeSusu name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Blache or its affiliates or licensors. You must not use such marks without the prior written permission of Blache. All other names, logos, product and service names, designs, and slogans on the App are the trademarks of their respective owners.
5.3 Restrictions on Sharing Content
You may not share, distribute, or publicly display any Content from the MeSusu App without the express written consent of Blache, except where the App provides specific sharing features that allow you to share content directly through the App or on social media platforms.
6. Privacy and Data Collection
6.1 Personal Data Collection
Blache collects personal data that you provide during the registration process, as well as data generated through your use of the MeSusu App. This may include, but is not limited to, your name, contact information, account activity, financial data, and any other information necessary for the operation of the App. All data collection and processing are carried out in accordance with our Privacy Policy, which is incorporated into these Terms by reference.
6.2 User Rights Under the Data Protection Act, 2012
In compliance with Ghana's Data Protection Act, 2012, MeSusu respects your data rights, including:
- Access: You have the right to access the personal data we hold about you. You may request access by contacting us using the information provided below.
- Correction: If you believe the information we hold is inaccurate or incomplete, you can request corrections or updates.
- Deletion: You may request the deletion of your personal data, subject to legal and regulatory requirements, by contacting us via the provided contact details.
Contact Information for Data Requests:
MeSusu is committed to protecting the privacy and data rights of its users as mandated by the Data Protection Act, 2012.
6.3 Data Sharing with Financial Institutions
Blache works with financial institutions, including Affinity Bank (at the time of launch), to facilitate the savings services provided through the MeSusu App. These banking partners may have limited access to user data as necessary to perform their services. However, such partners are not permitted to retain user data if Blache moves to a different banking partner. By using the App, you consent to the sharing of your data with our banking partners for these purposes.
6.4 Data Storage and Protection
Blache uses industry-standard security measures, including encryption, to protect your personal data. We conduct regular audits and updates to our security practices to ensure the continued protection of your information. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your data.
6.5 Privacy Policy
Our Privacy Policy provides detailed information on how we collect, use, and protect your personal data. By using the MeSusu App, you agree to the terms of our Privacy Policy. If you do not agree with the terms of the Privacy Policy, you must not use the App.
7. Disclaimers and Limitation of Liability
7.1 Disclaimers
The MeSusu App is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Blache does not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components. The App is intended for informational purposes only and should not be relied upon as the sole basis for financial decision-making.
7.2 Limitation of Liability
To the fullest extent permitted by law, Blache and its affiliates, officers, employees, agents, partners, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of data, financial losses, or any other damages arising out of or related to your use of the App, even if Blache has been advised of the possibility of such damages.
Blache's total liability to you for any damages arising out of or related to these Terms or your use of the App will not exceed the amount you have paid, if any, to Blache for access to the App during the twelve (12) months immediately preceding the event giving rise to such liability.
8. Payments and Subscriptions
8.1 Payments and Fees
The MeSusu App involves the management of savings deposits into "Boxes" that you create for specific financial goals. At the time of launch, the App does not impose any fees or require subscriptions, but Blache reserves the right to introduce fees or subscriptions in the future. Any changes in fees will be clearly communicated to you before they take effect. By continuing to use the MeSusu App after the introduction or modification of fees, you agree to pay all applicable fees and charges for the use of the services.
8.2 Refund Policy
Due to the nature of the MeSusu App as a savings platform, refunds are generally not available. Once funds are deposited into a savings Box, they are intended to remain there until the savings goal is reached or the user chooses to withdraw the funds (subject to any applicable terms for early withdrawal). If you believe an error has occurred with your payment or deposit, please contact our customer support team for assistance.
8.3 Early Withdrawal and Penalties
Users may withdraw funds from their savings Boxes before reaching their target goal; however, doing so may result in forfeiture of any interest, rewards, or bonuses accrued on those funds. The specific terms for early withdrawal, including any penalties or loss of benefits, will be detailed in the terms associated with each savings Box at the time of creation.
9. Governing Law and Dispute Resolution
9.1 Governing Law
These Terms, and any disputes arising out of or relating to these Terms or your use of the MeSusu App, are governed by and construed in accordance with the laws of Ghana, without regard to its conflict of law principles.
9.2 Dispute Resolution
In the event of any dispute, claim, or controversy arising out of or relating to these Terms or your use of the MeSusu App (a "Dispute"), the parties agree to first attempt to resolve the Dispute informally through good faith negotiations. If the Dispute cannot be resolved through informal negotiations within thirty (30) days, the parties agree to resolve the Dispute through binding arbitration in accordance with the rules of the Ghana Arbitration Centre.
The arbitration process will be conducted by a single arbitrator, mutually agreed upon by both parties. If the parties cannot agree on an arbitrator within 30 days, the arbitrator shall be appointed by the Ghana Arbitration Centre. The arbitration will be conducted in English, and the venue will be Accra, Ghana. The award rendered by the arbitrator(s) shall be final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction.
If arbitration is not successful, the parties may resort to litigation, and any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of Ghana.
10. Termination and Suspension
10.1 Circumstances for Termination or Suspension
Blache reserves the right to terminate or suspend your access to the MeSusu App, with or without notice, if you violate these Terms, engage in fraudulent activities, or if required by law or regulatory authorities. Termination or suspension of your Account may result in the forfeiture of any benefits, rewards, or accrued interest on your savings Boxes.
10.2 Process for Termination or Suspension
If Blache decides to terminate or suspend your Account, we will notify you of the reasons for the action and provide you with an opportunity to correct any violations, if applicable, within a reasonable period. If the violation is not remedied within the given time frame, or if immediate action is required, Blache may proceed with the termination or suspension of your Account.
Upon termination of your Account, all rights and licenses granted to you under these Terms will immediately cease. You may also lose access to any data associated with your Account, including savings Boxes and transaction history. Blache is not responsible for any loss of data or benefits resulting from the termination or suspension of your Account.
11. Changes to Terms
11.1 Informing Users of Changes
Blache reserves the right to modify these Terms at any time. We will notify users of any changes by posting the updated Terms on the MeSusu App and/or sending an email notification to the email address associated with your Account. It is your responsibility to review the Terms regularly to stay informed of any changes.
11.2 Effective Date of Changes
Changes to these Terms will become effective thirty (30) days after the date of posting the updated Terms on the App or as otherwise specified in the notice. Your continued use of the App following the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must discontinue your use of the App before the changes take effect.
12. Miscellaneous
12.1 Force Majeure
Blache shall not be liable for any failure or delay in the performance of its obligations under these Terms if such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, war, natural disasters, strikes, or government actions. In the event of a force majeure event, Blache will make reasonable efforts to resume the performance of its obligations as soon as practicable.
12.2 Assignment of Rights
You may not assign or transfer any of your rights or obligations under these Terms without the prior written consent of Blache. Blache may assign or transfer its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets. Any attempted assignment or transfer in violation of this section shall be null and void.
12.3 Entire Agreement
These Terms, together with the Privacy Policy and any other legal notices published by Blache on the MeSusu App, constitute the entire agreement between you and Blache concerning the App. These Terms supersede all prior or contemporaneous communications, agreements, and understandings, whether oral or written, between you and Blache with respect to the subject matter hereof.
12.4 Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms shall remain in full force and effect. The invalid, illegal, or unenforceable provision shall be deemed modified so that it is valid, legal, and enforceable to the maximum extent permitted by law.
12.5 Waiver
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of Blache to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
12.6 Contact Information
If you have any questions or concerns about these Terms, please contact Blache at: [email protected]
To access, correct, or delete your MeSusu data, please contact us at: [email protected]
Thank you for using MeSusu,
Wired Intelligence Limited (trading as BLACHE)