These Terms of Use ("Terms") are a binding agreement between you and Premium Capital Investment Ghana Limited, a company incorporated in Ghana with registered office at 8th Floor, One Airport Square, Airport City, Accra, Ghana.
Where we say "we", "us", or "our", we mean Premium Capital Investment Ghana Limited. Where we say "you" or "your", we mean any person who accesses or uses this website.
By accessing or using this website, you agree to be bound by these Terms and by our Privacy Policy and Cookie Policy. If you do not agree, do not use this website.
If you are using the website on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms and that the organisation accepts them.
The information on this website is for general informational purposes. While we take care to ensure it is accurate at the time of publication, we make no representation or warranty about its accuracy, completeness, or fitness for any particular purpose.
Specifically:
Nothing on this website is investment advice, a personal recommendation, a solicitation, or an offer to buy or sell any security or other financial instrument. You should not act on anything shown on this website without first taking advice from someone authorised to give it, taking into account your own circumstances.
This website is not directed at, and is not intended for distribution to or use by, any person resident or located in any jurisdiction where such distribution or use would be contrary to law or regulation, or which would subject us to any registration or licensing requirement we do not hold.
You agree not to:
Anything you submit to us through this website must be: accurate (where it states facts), genuinely held (where it states opinions), compliant with applicable law in Ghana and any country from which it is posted, and not threatening, abusive, harassing, defamatory, obscene, or invasive of another person's privacy.
To access certain parts of the website (such as the client portal), you must register and maintain a user account. You agree to provide accurate, current, and complete information when registering and to keep that information up to date.
You are responsible for:
We will never ask you for your password by email, SMS, WhatsApp, or unsolicited phone call. If anyone claims to be us and asks for your password, OTP, or PIN, treat it as fraud.
The website and all content on it (including text, graphics, logos, images, software, audio, video, design, layout, and selection and arrangement of content) is owned by us or our licensors and is protected by Ghanaian and international copyright, trademark, and other intellectual property laws.
You may:
You may not:
This website may contain links to other websites, including those operated by our partner banks (Ecobank Ghana, Stanbic Bank Ghana, GCB Bank), regulators, and other third parties. We provide these links for your convenience only.
We do not control, endorse, or accept responsibility for any third-party website or content. Your use of any third-party website is at your own risk and subject to that website's terms.
We aim to keep the website available 24/7, but we do not guarantee that the website will be uninterrupted or error-free. We may suspend, withdraw, modify, or discontinue all or any part of the website without notice for operational, security, regulatory, or commercial reasons.
We may update these Terms at any time. The "Last updated" date at the top tells you when. Your continued use of the website after a change constitutes acceptance of the updated Terms. If you do not agree, stop using the website.
To the fullest extent permitted by law:
Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under Ghanaian law.
To the fullest extent permitted by law, neither we nor any of our directors, officers, employees, agents, or affiliates will be liable to you for any:
Where our liability is not excluded or limited above, our total aggregate liability arising from or in connection with the website is limited to the greater of any fees you have paid us in the twelve months preceding the event giving rise to the claim, or such other amount as is set out in your written client agreement with us.
This section does not limit our liability for fraud, fraudulent misrepresentation, or any other liability that cannot be excluded under Ghanaian law.
You agree to indemnify and hold us, our directors, officers, employees, agents, and affiliates harmless from any claim, demand, loss, or damage (including reasonable legal fees) arising from or related to your breach of these Terms or your misuse of the website.
Our handling of personal data is set out in our Privacy Policy. Our use of cookies is set out in our Cookie Policy. By using the website, you accept those policies.
We may suspend or terminate your access to the website at any time, with or without notice, for any reason, including any breach of these Terms.
Termination does not affect any rights or liabilities that arose before termination. Sections that by their nature should survive (intellectual property, disclaimers, limitation of liability, indemnity, governing law) will survive termination.
These Terms and any dispute or claim arising out of or in connection with them or the website (including non-contractual disputes or claims) are governed by the laws of the Republic of Ghana.
You agree that the courts of Ghana have exclusive jurisdiction to settle any such dispute or claim, except that we may bring proceedings against you in any jurisdiction in which you reside or carry on business.
If you are a consumer, this clause does not affect any mandatory rights you have under the law of your country of residence.
Entire agreement. These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and us regarding the website.
Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full effect.
No waiver. Our failure to enforce any right under these Terms does not constitute a waiver of that right.
Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations to any successor entity.
Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, acts of government, war, terrorism, civil disturbance, internet or telecommunications outages, or epidemics.
Contact. Questions about these Terms? Email customers@premiumcapitalgh.com.