1. Introduction

Welcome to SAHOS ("we," "our," or "us"). By accessing or using our website, mobile applications, services, and content (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). Please read these Terms carefully. If you do not agree to all of these Terms, you may not access or use our Services.

2. Eligibility

You must be at least 16 years old to use our Services. By using our Services, you represent and warrant that you meet this requirement. If you are accessing the Services on behalf of a company or organization, you represent and warrant that you have the authority to bind that organization to these Terms.

3. Your Account

To access certain features of our Services, you may need to create an account. When creating an account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account and for keeping your account password secure. You must notify us immediately of any breach of security or unauthorized use of your account.

We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable, or if it infringes any trademark or identity rights.

4. Services and Subscription

SAHOS provides financial education tools and resources to help users manage their budgets and improve financial literacy. Our services include:

• Budget tracking and planning tools
• Educational content about personal finance
• Financial goal setting and monitoring
• Community support and discussion forums

Some of our Services are offered on a subscription basis. By subscribing to our paid Services, you agree to the pricing, payment, and billing terms associated with the applicable subscription plan. We reserve the right to change subscription fees upon reasonable notice. Subscriptions automatically renew unless canceled by you before the renewal date.

5. User Content

Our Services allow you to create, upload, store, and share content, including comments, feedback, and personal financial data ("User Content"). You retain ownership of any intellectual property rights that you hold in that User Content. By posting User Content, you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, host, store, reproduce, modify, create derivative works from, communicate, and distribute such User Content.

You agree not to post User Content that:

• Violates any applicable laws
• Infringes on the rights of others
• Is harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable
• Contains malware, viruses, or any harmful code

We reserve the right to remove any User Content at our discretion, without prior notice and without liability.

6. Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and disclose information about you. By using the Services, you agree that we can use such information in accordance with our Privacy Policy.

7. Financial Information Disclaimer

The content provided through our Services is for informational and educational purposes only. It should not be considered financial, legal, or tax advice. You should consult with a professional financial advisor before making any significant financial decisions. We are not responsible for any decisions you make based on the information provided through our Services.

8. Intellectual Property

The Service and its original content (excluding User Content), features, and functionality are and will remain the exclusive property of SAHOS and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

9. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Services will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Limitation of Liability

In no event shall SAHOS, 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 Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

The limitations of liability shall apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

11. Indemnification

You agree to defend, indemnify, and hold harmless SAHOS and its licensors, employees, contractors, agents, officers, and directors, from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from your use of and access to the Services, your violation of any term of these Terms, or your violation of any rights of a third party.

12. Governing Law

These Terms shall be governed by the laws of Ghana. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Ghana.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any significant changes by posting a notice on our website or sending you an email. What constitutes a significant change will be determined at our sole discretion. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

14. Contact Us

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