About These Terms
These Terms of Service govern your access to and use of the Adawise mobile application, website and related services (collectively, the “Platform”). By creating an account or using the Platform, you agree to these Terms.
Adawise Technologies Limited (“Adawise”, “we”, “us” or “our”) is a financial technology company. Adawise is not a bank. Where customer funds are held through a regulated financial institution, the applicable institution is responsible for the regulated banking or financial service it provides. The specific arrangement may vary by product.
Eligibility
- You must be at least 18 years old.
- You must have legal capacity to enter into a binding agreement.
- You must provide accurate, current and complete information.
- You must complete identity verification or other due diligence where required.
- You must not use the Platform if doing so would violate applicable law or a restriction applicable to you.
Our Services
Adawise provides digital tools and experiences designed to help users build better financial habits. Depending on availability, the Platform may allow users to create savings goals, participate in WiseCircles, access WiseFeed, interact with AdaBot, communicate through community features, and deposit or withdraw funds through approved channels.
Features may be introduced, changed, suspended or discontinued as the Platform develops. Not every feature is available to every user or in every location.
Financial Services and Third Parties
Some financial, payment, identity-verification or other services are provided by regulated or specialised third parties. Their terms, fees, limits and privacy policies may apply in addition to these Terms.
Adawise does not itself hold customer funds for its operating purposes and will not use customer funds to pay its own operating expenses. Where funds are held with a regulated partner, the partner’s applicable terms and legal obligations also apply.
Deposits, Withdrawals and Transactions
- You must use an approved payment method and provide accurate payment information.
- A transaction may remain pending until the relevant payment or banking partner confirms completion.
- A failed, reversed or disputed transaction may be adjusted in your Adawise account after reconciliation.
- Transaction limits, fees, processing times and eligibility may vary by product, payment channel and financial partner.
- You should review transaction details before confirming an instruction.
Savings Goals and Locking Features
Where a savings goal or challenge has a defined lock period, the applicable product terms shown at the time of participation will govern withdrawals and access. Users should review those terms before contributing funds.
Adawise does not guarantee that a savings goal will be achieved. Outcomes depend on contributions, timing and user behaviour.
User Responsibilities
- Keep your login credentials and authentication devices secure.
- Provide accurate information and keep it updated.
- Monitor your account and transaction activity.
- Notify us promptly of suspected unauthorised access or transactions.
- Use the Platform only for lawful purposes.
Prohibited Conduct
- Fraud, scams, impersonation or financial misconduct.
- Attempts to bypass KYC, security or transaction controls.
- Unauthorised solicitation or collection of funds.
- Money laundering, terrorist financing or other unlawful activity.
- Harassment, threats or abuse of other users.
- Distribution of malware or attempts to interfere with the Platform.
Identity Verification and Monitoring
Adawise may conduct identity verification, transaction monitoring, fraud screening, sanctions screening or enhanced due diligence where required by law, our risk controls or our financial partners. Failure to provide required information may result in restricted access, delayed transactions or account suspension.
Fees, Interest and Financial Benefits
Any fees, interest, rewards or other financial benefits applicable to a product will be disclosed through the relevant product terms or transaction flow. Rates, fees and benefits may change where permitted by the applicable agreement and law.
Unless expressly stated otherwise, information on the Platform is not a guarantee of investment returns, savings outcomes or future financial performance.
Intellectual Property
The Platform, software, branding, content and materials made available by Adawise are owned by or licensed to Adawise and are protected by applicable intellectual-property laws. You may use them only for the purposes permitted by these Terms.
Third-Party Services and Links
The Platform may depend on third-party providers and may contain links to third-party services. Adawise is not responsible for third-party services outside its control. Your use of a third-party service may be governed by separate terms.
Availability and Changes
We aim to provide a reliable service but cannot guarantee uninterrupted availability. Maintenance, security events, upgrades, payment-network issues and third-party outages may affect the Platform.
We may modify, suspend or discontinue features where reasonably necessary, including for security, regulatory, operational or product-development reasons.
Suspension and Termination
Adawise may restrict, suspend or terminate access where reasonably necessary to prevent fraud, comply with law, protect users, manage security risks, address misuse or enforce these Terms.
You may close your account subject to applicable settlement, verification, dispute or legal requirements.
Complaints and Disputes
You should first contact Adawise Support at contact@theadawiseapp.com. Complaints will be handled under our Complaint & Dispute Resolution Policy.
Where a matter concerns a regulated financial service provided by a partner institution, that institution’s complaint process may also apply. Where applicable, unresolved regulated complaints may be escalated to the relevant oversight body.
Limitation of Liability
To the fullest extent permitted by applicable law, Adawise is not responsible for indirect or consequential losses, losses arising from user-to-user conduct, or delays or failures caused by third-party payment networks, banking partners, telecommunications providers or events beyond our reasonable control.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
Indemnity
To the extent permitted by law, you agree to be responsible for losses or claims arising from your unlawful use of the Platform, fraud, deliberate misuse, or material breach of these Terms.
Changes to These Terms
We may update these Terms from time to time. The latest version will be published on the Adawise website. Where required by law, we will provide notice of material changes.
Governing Law
These Terms are governed by the laws of Ghana, subject to any mandatory consumer or regulatory protections that apply to you.