Welcome to the Co-ops Africa web application. By accessing or using our platform, you agree to comply with and be bound by the following Terms of Use. If you do not agree to these terms, please do not use this platform.

1. Overview

Co-ops Africa is a digital support environment for African cooperatives and cooperators. The platform facilitates access to compliance services, the Cooperator Store, the Co-op Debentures Exchange, cooperative insurance, capacity building, funding tools, and other value-added services.

2. Eligibility

To use the Co-ops Africa platform, you must be:

• A registered cooperative or cooperator;

• A representative of an organization eligible to benefit from cooperative services in Africa;

• Legally capable of entering into binding contracts.

3. User Responsibilities

Users of the Co-ops Africa platform agree to:

• Provide accurate and up-to-date information;

• Maintain confidentiality of login credentials;

• Use the platform only for lawful purposes in accordance with cooperative values and principles;

• Refrain from misuse, unauthorized access, or attempts to disrupt the platform.

4. Services Provided

Co-ops Africa offers access to:

• Co-op Debentures Exchange: A platform for trading cooperative debentures;

• Cooperator Store: An e-commerce space for cooperative goods and services;

• Compliance Tools: Services for governance, annual returns, audits, and regulatory filings;

• Investment & Financial Tools: Includes co-op insurance, retirement plans, and crowdfunding;

• Business Support: Marketing, legal, accounting, and cooperative management tools.

These services may require separate agreements or subscription terms, which will be presented at the point of access.

5. Intellectual Property

All content on the Co-ops Africa platform, including logos, systems, databases, educational materials, and documents, is the property of Co-ops Africa or its partners and is protected by applicable intellectual property laws. Users may not copy, reproduce, or distribute content without prior written permission.

6. Data Protection and Privacy

We value your privacy. Our collection and use of personal and cooperative data are governed by our Privacy Policy. By using the platform, you consent to the collection, processing, and storage of your data in accordance with applicable data protection laws.

7. Disclaimers

• Co-ops Africa does not guarantee investment returns, platform uptime, or uninterrupted service.

• Financial instruments like debentures and cooperative shares carry risks. You are advised to seek independent financial advice.

• Co-ops Africa is not liable for third-party content or transactions facilitated through the platform.

8. Suspension and Termination

Co-ops Africa reserves the right to suspend or terminate any account that:

• Violates these Terms of Use;

• Uses the platform for fraudulent or harmful purposes;

• Fails to comply with applicable laws and cooperative regulations.

9. Modifications to Terms

We may update these Terms of Use from time to time. Any changes will be posted on this page, and continued use of the platform constitutes acceptance of those changes.

10. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Insert Jurisdiction, e.g., Zimbabwe or African Union Member State Laws], and any disputes shall be resolved in the competent courts of that jurisdiction.