Welcome to Co-ops Africa! By accessing or using our services, websites, or platforms, you agree to be bound by the following terms and conditions. If you do not agree with these terms, please refrain from using our services.

1. General Terms

• These Terms and Conditions apply to all users of the Co-ops Africa website, digital platforms, and services.
• Co-ops Africa reserves the right to modify or update these terms at any time without prior notice. Any changes will be posted on this page and will become effective immediately upon posting.

2. Services Provided

Co-ops Africa offers various services including financial services, capacity building, training, consulting, and digital solutions for cooperatives. Specific terms for each service may apply in addition to these general terms.

3. User Obligations

By using Co-ops Africa’s services, you agree to:

• Provide accurate and complete information when required, including during account registration, application, or service usage.
• Maintain the confidentiality of your account information and notify Co-ops Africa immediately of any unauthorized use of your account.
• Use our services only for lawful purposes and not for any activities that may damage or disrupt our platform or services.
• Comply with all applicable local laws and regulations in your jurisdiction.

4. Payment and Fees

• Certain services may require payments or fees. Payment terms, fees, and any applicable taxes will be clearly outlined during the transaction process.
• Co-ops Africa reserves the right to change its fee structure at any time, but will provide prior notice of such changes where applicable.

5. User-Generated Content

• You may have the ability to submit content or participate in discussions on our platform. By doing so, you grant Co-ops Africa a non-exclusive, royalty-free, worldwide license to use, distribute, and display the content.
• You are solely responsible for the content you submit and agree not to submit any content that is unlawful, offensive, defamatory, or violates any rights of others.

6. Privacy and Data Protection

• Co-ops Africa values your privacy and is committed to protecting your personal information. Please refer to our Privacy Policy for details on how we collect, use, and protect your data.
• By using our services, you consent to the collection and use of your data as described in our Privacy Policy.

7. Intellectual Property

• All content, software, and materials provided on the Co-ops Africa platform are the property of Co-ops Africa and are protected by intellectual property laws.
• You agree not to copy, reproduce, modify, or distribute any part of our services without our express written permission.

8. Limitation of Liability

• Co-ops Africa strives to provide accurate and reliable services, but we make no guarantees regarding the accuracy, reliability, or completeness of the information or services offered.
• Co-ops Africa will not be liable for any damages, losses, or other liabilities resulting from the use of our platform or services, including but not limited to any direct, indirect, or consequential damages.

9. Termination of Services

• Co-ops Africa reserves the right to suspend or terminate your access to our services if we believe you have violated these terms or engaged in illegal activities.
• You may terminate your use of our services at any time by contacting us or ceasing to use the platform.

10. Governing Law and Dispute Resolution

• These Terms and Conditions are governed by the laws of the country where Co-ops Africa is registered. Any disputes related to these terms will be resolved in accordance with local laws.
• Disputes may be resolved through mediation or arbitration before pursuing legal action.