PocketPadi Terms of Service

1. Acceptance of Terms & Eligibility

These Terms of Service constitute a legally binding agreement between you ("User", "you") and PocketPadi Technologies Ltd, a registered company in Accra, Ghana ("PocketPadi", "we", "us").

By creating an account, accessing our web application, or interacting with PocketPadi software via WhatsApp or Web APIs, you confirm that:

• You are at least eighteen (18) years of age, or have attained the age of majority in your jurisdiction.
• You possess the legal capacity to enter into a binding contract under the laws of the Republic of Ghana.
• You will supply accurate, verifiable telephone and identity information upon registration.

2. Non-Custodial Nature of Service

PocketPadi provides independent budgeting, expense tracking, and cash-flow pacing software. You acknowledge and agree that:

• Your money never leaves your personal Mobile Money wallets (MTN MoMo, Telecel Cash, AT Money), bank accounts, or physical cash reserves to be held by PocketPadi.
• PocketPadi does not earn interest on your funds, pool your money, or execute payments without your direct, manual intervention on your own provider channels.
• Calculations shown on your dashboard (e.g., remaining envelope balance, safe daily spend) are mathematical estimations based on your logged inputs.

3. Account Credentials & Security PIN

When opening an account, you will establish a 4-digit device PIN and/or password to secure your local session.

Your Duty of Care: You are solely responsible for maintaining the confidentiality of your authentication credentials and all activities occurring under your account. You agree not to disclose your security PIN to third parties.

Zero-Staff-PIN Verification: PocketPadi employees, contractors, and agents will never ask for your Mobile Money PIN, banking passwords, or account PIN over the telephone, WhatsApp, SMS, or email.

4. Cedi Subscriptions & Billing Terms

PocketPadi operates on transparent subscription tiers priced strictly in Ghana Cedis (GH₵):

Payment Gateways: Subscription payments are processed via regulated gateways (Paystack) supporting Mobile Money and Ghana-issued Visa/Mastercard.

Cancellation: You may cancel your subscription at any time with one click from your account dashboard. Your premium features will remain active until the end of the current paid billing cycle with zero cancellation fees.

5. Padi Household Multi-Member Rules

The primary account subscriber ("Household Owner") may invite up to five (5) additional members to join their household subscription.

• Each member maintains their own independent authentication PIN and private wallet ledgers.
• Only expenses tagged into joint categories (e.g., Household Groceries, ECG Electricity, Landlord Rent) appear on the shared Household Wall.
• The Household Owner is responsible for the monthly subscription fee (GH₵ 20/month) covering all invited members.

6. Digital Susu Circles Disclaimer

PocketPadi provides an automated calendar, turn order tracker, and payout record-keeper for informal community rotational savings groups ("Susu Circles").

7. Acceptable Use Policy

You agree not to misuse PocketPadi services. Specifically, you may not:

• Use the platform for money laundering, terror financing, or unlawful activities under Ghanaian law.
• Reverse engineer, decompile, or attempt to extract the source code or proprietary algorithms of PocketPadi.
• Introduce automated scripts, scrapers, worms, or malicious code designed to disrupt our infrastructure.
• Impersonate PocketPadi staff or misrepresent your affiliation with our brand to defraud third parties.

8. Intellectual Property

All software, algorithms, user interface designs, logos, graphics, and documentation associated with PocketPadi are the exclusive intellectual property of PocketPadi Technologies Ltd, protected under copyright and trademark statutes of Ghana and international treaties.

9. Disclaimer of Financial Advice

PocketPadi is a self-directed personal finance software tool. Information, automated budgeting tips, or pacing recommendations generated by the platform do not constitute formal investment, tax, legal, or accounting advice. You should consult certified Ghanaian financial or tax advisors before making significant capital allocations.

10. Limitation of Liability

To the fullest extent permitted under applicable Ghanaian law, PocketPadi Technologies Ltd, its directors, employees, and affiliates shall not be liable for any indirect, incidental, punitive, or consequential damages resulting from your use of or inability to use the software.

Our total aggregate liability for claims arising out of or related to these Terms shall not exceed the total subscription fees paid by you to PocketPadi during the twelve (12) months preceding the incident.

11. Governing Law & Dispute Resolution in Accra, Ghana

These Terms shall be governed by, interpreted, and construed exclusively in accordance with the laws of the Republic of Ghana, without regard to conflict of law principles.

Any controversy, claim, or dispute arising out of or relating to these Terms shall first be submitted to good-faith amicable negotiation between the parties. In the event negotiation fails, the dispute shall be resolved by the competent courts sitting in Accra, Greater Accra Region, Ghana.