Terms of Service
These Terms of Service ("Terms") govern your use of the Safoa platform operated by Sissakili Global Limited Company ("Sisakili", "we", "us"), a company incorporated in Ghana. By creating an account, signing in, or using any feature of Safoa, you ("you", "User") agree to be bound by these Terms. If you do not agree, do not use the service.
1. Definitions
"Service" — the Safoa web application at mysafoa.com, related APIs, the tenant portal, the WhatsApp interface, and any mobile applications we publish under the Safoa name. "Account" — your registered identity on the Service, including your sign-in credentials and the data you store within it. "Landlord" — a User who manages one or more properties or tenants through the Service. "Tenant" — a renter whose details are entered into the Service by a Landlord, or who interacts with the Service via the tenant portal or WhatsApp interface. "Subscription" — the paid plan that entitles a Landlord to use the full Service. "Free Plan" — the free Solo plan, available without a paid Subscription, currently limited to one (1) active tenant per account, subject to change with notice. "Fees" — the charges payable for the Subscription.
2. Eligibility
You must be at least eighteen (18) years of age and legally able to enter binding contracts under Ghanaian law. Landlord accounts must be held by the registered property owner or an authorised agent acting on behalf of the owner with the legal authority to manage the property and collect rent. You represent that all registration information you provide is accurate and that you will keep it current.
3. Account security
You are responsible for safeguarding your sign-in credentials. We strongly recommend a unique, strong password and the use of multi-factor authentication where offered. You are responsible for all activity that occurs under your account, except where caused by our own negligence or a security breach for which we are responsible. Notify us immediately at support@mysafoa.com of any suspected unauthorised access.
4. Subscription, billing, and renewals
The Service is offered across a range of plans. The Solo plan is free; paid plans (and the capacity, features, and limits of each) are described on the pricing page at mysafoa.com/pricing, which forms part of these Terms. Paid plans are sold as annual subscriptions billed in advance. Prices are shown on the pricing page and are subject to change with at least thirty (30) days' notice; existing Subscriptions are honoured at the price in effect at the time of the most recent renewal. Fees are due in advance for each term. Subscriptions automatically renew unless cancelled before the renewal date. Failure to pay may result in suspension of the Account and, after a reasonable grace period, termination. Subscription Fees are non-refundable except as set out in section 11. You may change plans at any time from Settings → Billing. Upgrades take effect immediately and the difference is prorated to the end of your current term; downgrades take effect at the end of the current billing period so you keep what you have paid for until then. We never deduct subscription Fees from rent collected. Tenant rent payments go directly to your nominated bank account or mobile-money account through your payment provider. We are not a custodian of tenant funds.
5. Free Plan
New accounts may use the Free Plan (the Solo plan) indefinitely subject to its limits (currently one active tenant per account). You may upgrade to a paid Subscription at any time from Settings → Billing; upgrades take effect immediately and are prorated to your renewal date.
6. Acceptable use
You agree not to use the Service to: • Collect funds for illegal activities, money laundering, or tax evasion. • Harass, threaten, or unlawfully discriminate against tenants or applicants. • Retain rent contrary to a court order, deposit-protection order, or arbitration ruling. • Process personal data in violation of Ghana's Data Protection Act 2012 (Act 843) or any other applicable privacy law. • Violate the Rent Control Act, the Cybersecurity Act 2020 of Ghana, or applicable consumer protection law. • Probe, scan, test, or reverse-engineer the Service except as expressly permitted by law. • Resell or sublicense access to the Service without our prior written agreement. We may suspend or terminate Accounts that violate this section. We will provide reasonable notice and an opportunity to cure where the breach is not material.
7. Your content
You retain all rights in the property data, tenant records, photos, and other content you submit to the Service ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, and process Your Content solely to provide the Service to you. The licence terminates when you delete the content or close your Account, except to the extent retention is legally required (see Privacy Policy, section 7).
8. Tenant data — controller and processor
When you (the Landlord) enter tenant information into the Service, you are the data controller for that information under Ghana's Data Protection Act 2012 and we act as a data processor on your instructions. You agree to: • Hold a valid lawful basis (typically a tenancy contract) for collecting and processing each tenant's data. • Inform tenants that you use Safoa and that we process their data on your behalf. • Handle Data Subject Access Requests promptly. We can support exports on your behalf but cannot adjudicate the request for you. • Not enter sensitive special-category data (health, religion, biometrics, political views) without separate explicit consent and a documented lawful basis. For billing-account data (your own personal data as a Landlord), Sisakili is the controller; see the Privacy Policy.
9. Third-party services
The Service integrates with third-party providers including Paystack (subscription billing), mobile money operators via Paystack (MTN MoMo, Telecel Cash, AirtelTigo Money), Arkesel and Africa's Talking (SMS), Resend (email), Supabase (database/auth/storage), Vercel (hosting), Sentry (error monitoring), PostHog (analytics), and Cloudflare (security). We are not liable for the acts, omissions, downtime, or pricing changes of any third-party provider. Where a third-party service fails, we will use reasonable efforts to restore functionality but make no specific service-level commitment about third-party uptime.
10. Service availability
We target 99.5% uptime for the API and web application, measured over a rolling 30-day window, excluding scheduled maintenance and force-majeure events. Scheduled maintenance is announced at least forty-eight (48) hours in advance via email and the in-app banner. We are not liable for losses arising from temporary unavailability of the Service or of any third-party dependency (banks, mobile money operators, SMS providers, payment processors), nor for delays caused by upstream telecom outages, regulatory shutdowns, or events beyond our reasonable control.
11. Cancellation, suspension, and termination
You may cancel your Subscription at any time from Settings → Billing. Cancellation takes effect at the end of the current billing period; the Service remains accessible until then. After cancellation your account moves to the Free Plan and your data is preserved for ninety (90) days, after which it is permanently deleted (see Privacy Policy, section 7, for retention exceptions). Annual Subscriptions are non-refundable after day 30 of the term. Monthly Subscriptions are non-refundable for the current period. We may offer partial refunds at our discretion in cases of demonstrated error on our part. We may suspend or terminate your Account immediately if (a) you breach these Terms in a material way, (b) we have a reasonable basis to believe your use creates legal or security risk to Sisakili or to other users, or (c) we are required to do so by law or court order. We will give you written notice and a reasonable opportunity to remediate non-material breaches.
12. Disclaimers
The Service is provided on an "as is" and "as available" basis. We disclaim all warranties to the maximum extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Safoa is a tool to help you manage rental properties; it is not a substitute for legal, financial, or tax advice. You remain responsible for compliance with all applicable laws, including the Rent Control Act, the Data Protection Act 2012, and tax obligations.
13. Limitation of liability
To the maximum extent permitted by law, our aggregate liability arising out of or in connection with the Service in any twelve-month period is limited to the total Subscription Fees you paid to us in that period. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, business interruption, or loss of goodwill, even if advised of the possibility of such damages. Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot lawfully be excluded.
14. Indemnity
You agree to indemnify and hold Sisakili harmless against any claims, losses, damages, or expenses (including reasonable legal fees) arising from (a) your violation of these Terms, (b) your violation of applicable law, (c) infringement of third-party rights by Your Content, or (d) your wilful misconduct. We will give you prompt notice of any indemnifiable claim and reasonable cooperation in its defence.
15. Privacy
Our Privacy Policy (linked from the footer) is incorporated by reference into these Terms. By using the Service you acknowledge our processing of personal data as described there.
16. Changes to these Terms
We may amend these Terms from time to time. We will notify all active Account holders by email and via an in-app banner at least fourteen (14) days before any material change takes effect. Continued use of the Service after the effective date constitutes acceptance. If you do not accept the change, you may close your Account before the effective date; pro-rata refunds may be available at our discretion.
17. Governing law and disputes
These Terms are governed by the laws of the Republic of Ghana, without regard to conflict-of-laws principles. The parties will attempt in good faith to resolve any dispute informally before resorting to formal proceedings. Disputes that cannot be resolved informally are subject to the exclusive jurisdiction of the courts of Accra, Ghana, except that we may bring proceedings to enforce intellectual-property rights in any court of competent jurisdiction.
18. Miscellaneous
These Terms together with the Privacy Policy constitute the entire agreement between you and Sisakili regarding the Service and supersede any prior agreements. If any provision is held unenforceable, the remainder remains in full force. Failure to enforce a provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of substantially all our assets, on notice to you. All notices to us should be sent to legal@mysafoa.com.
19. Contact us
Legal and contract enquiries: legal@mysafoa.com. General support: support@mysafoa.com. Privacy / data protection: privacy@mysafoa.com. Post: Sissakili Global Limited Company, Accra, Ghana.