Terms of Service

By tapping “Accept”, by signing in, by funding an account, or by otherwise using the Services, you agree to be bound by these Terms. These Terms apply to all of your use of Jenga Jar, however accessed, including our mobile applications, our website, and any API or interface we operate.

You confirm that you have full legal capacity to enter into a binding contract under the laws of Ghana, and that you are entering into these Terms on your own behalf and not as the agent of any other person, except as expressly contemplated by these Terms (for example, when acting as a Cell administrator).

Jenga Jar is operated by Alt Solutions Micro-Credit, a company incorporated and licensed in the Republic of Ghana. Licensed by MCAG, an umbrella organization for Micro Credit Institutions under the Companies Code, 1963 (Act 179). Regulated by the Bank of Ghana.

You can reach us at:

• Email: inquiries@altsolutionsgh.com
• Phone: +233256124455 or +233256124456
• Office: Asylum Down, Accra, Greater Accra, Ghana

In these Terms, the following terms have the meanings given below.

• “Account” means your Jenga Jar account, including all balances and sub-accounts associated with it.
• “Business Save” means our negotiated-rate savings product for businesses and corporates.
• “CediFlex” means our flexible savings product on which the Main Jar is built, paying daily interest at a published rate.
• “CediVault” means our term-locked savings product, where funds are committed for a fixed period in return for a higher rate.
• “Cell” means any user-created group on the platform, including Susu Cells, Group Savings Cells, Crowdfunding Cells, and Donation Cells.
• “Code” means your unique 10-character user reference (URC) shown on your profile. Other users send you money using your Code.
• “KYC” means know-your-customer identity verification.
• “Main Jar” means the default holding account on the Services, which holds your CediFlex balance.
• “MoMo” means mobile-money services operated by MTN MoMo, Telecel Cash, AT Money, and any other operator integrated with the Services from time to time.
• “Services” means the Jenga Jar apps, website, APIs, and connected channels through which you transact.
• “Susu” means a rotating savings arrangement (a community-savings tradition in Ghana and parts of West Africa) implemented through a Susu Cell.
• “you” and “your” refer to the individual person or business who has accepted these Terms.

To use the Services you must:

• Be at least eighteen (18) years old and have full legal capacity to enter into binding contracts under the laws of Ghana.
• Hold a valid Ghana Card and a mobile-money account with a network we support, both registered in your own legal name.
• Not be a person subject to international sanctions or otherwise prohibited from using the Services under any applicable law.
• Not have had a previous Jenga Jar account closed by us for breach of these Terms or for suspected fraud, unless we have explicitly invited you to return.

We reserve the right to refuse, suspend, or close any Account if we reasonably believe you do not meet, or no longer meet, the eligibility criteria.

To use most features of the Services you must register an Account. When you register you agree to provide accurate, current, and complete information, to keep that information up to date, and to maintain the security of your sign-in credentials and transaction PIN.

You are responsible for all activity on your Account, and for any consequences of that activity, except where the activity is the result of our gross negligence or wilful misconduct. If you suspect any unauthorised use, you must notify us without delay using the contact details set out above, and you must sign out of all sessions you do not recognise from your profile.

Ghanaian law requires us to verify your identity before you can transact above prescribed thresholds. We do this through KYC. To complete KYC, you must provide a valid Ghana Card and a liveness selfie taken in real time. By submitting these documents you confirm that they are authentic, that they are yours, and that the personal information shown is correct.

We may decline to verify, suspend, or close an Account where:

• The documents submitted appear to be tampered with, inauthentic, or otherwise unreliable;
• The information on the documents does not match the information held on the Account or by the mobile-money operator;
• We are unable to verify your identity to the standard required by law; or
• We otherwise believe in good faith that proceeding would expose us, you, or another user to undue legal, financial, or reputational risk.

From time to time we may need to re-verify your identity, ask you for additional information, or request updated documents. You agree to cooperate with these requests within reasonable time periods.

The Services let you save money, hold money, send money to other users, contribute to community savings groups (Cells), and access related features. The principal products available through the Services are described below. Detailed mechanics, rates, and limits are set out in the app and in our published help documentation, and we may change them in accordance with these Terms.

CediFlex (the Main Jar)

CediFlex is a flexible-savings account. Your Main Jar balance accrues daily interest at our published CediFlex rate, subject to any applicable promotional uplift or adjustment. The rate is variable and may change with notice. There is no fixed term — you may withdraw at any time, subject to short cool-off periods on inbound deposits where required for fraud control.

CediVault

CediVault is a term-locked savings product. When you open a Vault you commit a principal amount for a fixed term in return for a higher daily rate. CediVault funds are not available for withdrawal during the term except by early break, which forfeits some or all of the accrued interest as described in the app. CediVault interest is credited to your CediFlex at maturity (or at scheduled distribution dates as published).

Business Save

Business Save is a negotiated-rate, term-based product for businesses and corporates. The exact rate, term, and terms-and-conditions of each Business Save deposit are agreed individually and reflected on your Account.

Cells: Susu, Group Savings, Crowdfunding, and Donation

Cells let groups of users save together for a shared purpose. The mechanics differ by Cell type — for example, Susu Cells rotate payouts among members on a schedule, while Donation Cells channel one-way contributions to a named beneficiary. Each Cell has its own configuration (member cap, contribution amount, cycle length, admin fees, payout structure, anonymity, isolation, and so on).

You acknowledge that Cells are agreements among the participating members. Although we provide the platform that hosts a Cell and we apply the configured mechanics accurately, we are not a party to the underlying agreement among Cell members and we do not guarantee any member's performance against that agreement. Disputes among Cell members must be resolved among themselves, with our cooperation where reasonable and where required by law.

Friends, transfers, and money requests

You may transfer money to other users by their Code, establish friendships, send messages, and create money requests. Transfers within Jenga Jar settle instantly and are final once executed. You are responsible for verifying the recipient before confirming any transfer.

Other features

We may launch, withdraw, or modify features and products from time to time. Where a feature has its own specific terms (for example, a referral or rewards programme) those terms are incorporated into these Terms by reference.

Deposits into Jenga Jar and payouts to your mobile-money wallet are processed through licensed mobile- money operators, their aggregators, and other licensed payment-service providers. Settlement, timing, limits, and fees on those rails are determined by the relevant operator or provider and may change without notice. We surface our best estimate in the app where possible.

You authorise us to act on your instructions to debit and credit your mobile-money wallet when you initiate a deposit, withdrawal, or top-up. You acknowledge that the mobile-money operator's own terms apply to that part of the transaction.

Our headline fees and rates (interest, withdrawal, transfer, top-up, admin fees applied by Cell administrators, and platform fees) are published in the app and on our website. We may change fees and rates with notice. Where a change is materially adverse to you we will give you a reasonable opportunity to react before the change takes effect. Continued use of the affected Service after the change takes effect constitutes acceptance of the new fee or rate.

Interest rates are calculated and accrued in accordance with the simple-interest convention described in the app (daily accrual on principal, credited to the user's CediFlex). Promotional rates that are higher than the published headline rate apply only to the duration of the promotion and revert to the headline rate at the end of the promotional period.

Funds you hold through the Services are held in segregated accounts maintained by Alt Solutions Micro-Credit with licensed Ghanaian banks or other regulated custodians, separate from our own operating funds. We maintain a continuous double-entry ledger that reconciles your on-platform balances to those segregated holdings.

Although segregation provides important protections, your balance is not a deposit with a bank and is not insured by the Ghana Deposit Protection Corporation or any other deposit-insurance scheme. We do not guarantee that the full value of your balance will be recoverable in every conceivable event, and you should consider this when deciding how much to keep on the platform.

You are solely responsible for the assessment and payment of any tax (including income tax, levies, and any mobile-money-related taxes) arising from your use of the Services, except for taxes we are required by law to withhold or to collect at source. Where we are required to withhold tax we will do so and we will keep a record of the withholding for your benefit.

When using the Services you must not:

• Use a name, image, or any other content that impersonates another person or that is false, misleading, defamatory, obscene, abusive, harassing, threatening, discriminatory, or hateful;
• Use the Services for any unlawful purpose, including money laundering, terrorist financing, fraud, the evasion of sanctions, the funding of illegal gambling, or any other criminal activity;
• Use the Services to facilitate the sale, distribution, or financing of controlled substances, illegal weapons, counterfeit goods, child sexual abuse material, or any other goods or services prohibited under Ghanaian law;
• Open or operate more than one personal Account, except where we have expressly authorised you to do so;
• Open an Account on behalf of, or transfer use of an Account to, another person, except where you act as a duly-authorised administrator of a business Account under Business Save;
• Attempt to gain unauthorised access to any part of the Services, any other user's Account, or any system connected to the Services;
• Use any robot, scraper, or other automated means to access the Services, except through APIs we have explicitly published for that purpose;
• Reverse-engineer, decompile, or disassemble any part of the Services, except where Ghanaian law expressly permits you to do so notwithstanding this restriction;
• Interfere with or disrupt the integrity or performance of the Services, including by introducing malware, attempting denial-of-service attacks, or exploiting security vulnerabilities;
• Use the Services in a way that breaches another person's rights, including intellectual-property rights and rights of personal privacy.

We comply with the anti-money-laundering, counter-terrorism- financing, and counter-proliferation-financing regime in Ghana, including the Anti-Money Laundering Act, 2020 (Act 1044), the Anti-Terrorism Act, 2008 (Act 762), and the regulations and directives made under those Acts. We also comply with applicable international sanctions regimes.

As part of that compliance we screen accounts and transactions against sanctions lists and politically- exposed-person registers; we monitor activity for unusual or suspicious patterns; and we file suspicious- transaction reports with the Financial Intelligence Centre when our procedures require us to do so. We may delay, decline, freeze, reverse, or refuse to process any transaction, and we may suspend or close any Account, where we determine in good faith that doing so is necessary to satisfy these obligations.

You agree to cooperate fully with our compliance enquiries and to provide any further information or documentation we reasonably request. We will not be liable to you for any loss arising from actions we take in good-faith compliance with this section.

When you create or join a Cell you accept the Cell's configuration as displayed at the time you join, including the contribution amount, cycle length, payout structure, admin fees, and any anonymity or isolation settings. By participating in a Cell you commit to the obligations the Cell's mechanics imply, including the obligation to contribute on the schedule you accepted.

Missed contributions, cycle defaults, or other failures to perform may result in consequences specified by the Cell's rules and by our platform rules. These consequences may include reputation-score adjustments, temporary restrictions on creating new Cells, and removal from the affected Cell. Where money has moved as part of a Cell mechanic and we determine the movement was incorrect (for example, a system error), we may reverse it. We will not arbitrate genuine disagreements among Cell members about whether a person did or did not perform.

Cell administrators bear additional responsibilities, including approving disbursements honestly, treating members fairly, and protecting any KYC documents shared with them through the in-app KYC-sharing flow. Acting as a Cell administrator does not make you our agent or employee, and we are not responsible for an administrator's acts or omissions.

Disputes between users — whether about a transfer, a Cell contribution, a chat message, or any other interaction — are between the users involved. We are not obliged to investigate or resolve user-to-user disputes, but we may do so at our discretion where doing so is reasonable and where law requires our cooperation.

You can open a formal dispute through the in-app dispute flow. We may use information from the dispute to inform fraud-control decisions about an Account.

If you have a complaint about the Services, please contact us first at inquiries@altsolutionsgh.com so we can try to resolve it directly. We aim to acknowledge complaints within five (5) business days and to provide a substantive response within thirty (30) days.

If your complaint is not resolved to your satisfaction, you may escalate it to the relevant supervisory authority, including the Bank of Ghana, MCAG, or the Consumer Protection Agency, depending on the nature of the complaint.

We work hard to keep the Services available, but we do not guarantee uninterrupted access. The Services may occasionally be unavailable for scheduled maintenance, for emergency repairs, for upgrades, or because of factors outside our control (including mobile-money operator outages, telecommunications failures, and force majeure). Where scheduled maintenance is expected we will notify you in advance.

We may suspend, freeze, or terminate your Account, and we may delay, decline, or reverse any transaction, where we determine in good faith that:

• You have breached, or are about to breach, these Terms;
• Suspending or terminating is necessary to comply with a legal or regulatory obligation, including a request from a competent authority;
• We reasonably suspect fraud, money laundering, terrorist financing, sanctions evasion, or other illegal activity;
• Your Account has been compromised or is being used by a person other than you;
• We otherwise need to act to protect the safety or integrity of the Services or another user.

Where we suspend or freeze an Account we will tell you unless we are legally prohibited from doing so. Where we close an Account we will, subject to applicable law, return the balance to the mobile-money wallet of record, net of any reasonable charges and of any amounts we are required to retain.

You may close your Account at any time from the profile screen. Before closing we will ask you to withdraw or transfer any remaining balance and to settle any active Cell obligations. On closure we apply a soft-delete that scrubs identifying information from your record while preserving the audit trail required by law, as further described in the Privacy Policy.

We and our licensors own all intellectual-property rights in the Services, including the Jenga Jar name, logos, marks, app, website, content, and any documentation. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to use the Services for your own personal, non-commercial use, or, in the case of Business Save, for the business purposes of the business that holds the Account.

You retain ownership of content you submit to the Services (for example, profile photos, Cell descriptions, and chat messages). By submitting that content you grant us a non-exclusive, royalty-free, worldwide licence to host, copy, display, and use that content to the extent necessary to operate the Services.

The Services are provided on an “as-is” and “as-available” basis, except to the extent that any warranty cannot be excluded under Ghanaian law. To the maximum extent permitted by law we disclaim all implied warranties, including fitness for a particular purpose, merchantability, satisfactory quality, accuracy, and non-infringement.

We do not warrant that the Services will be uninterrupted or error-free, that defects will be corrected immediately, or that the Services will meet your specific requirements. Returns on savings products are subject to rate changes; past performance does not guarantee future returns.

To the maximum extent permitted by Ghanaian law:

• We will not be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of data, loss of goodwill, or loss of anticipated savings, even if we have been advised of the possibility of such damages.
• Our aggregate liability to you under or in connection with these Terms (whether arising in contract, tort including negligence, breach of statutory duty, or otherwise) for any twelve (12)-month period is limited to the greater of (a) the fees we collected from you in that period, or (b) one thousand Ghana cedis (GHS 1,000.00).
• Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, gross negligence, wilful misconduct, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited under Ghanaian law.

You agree to defend, indemnify, and hold harmless Alt Solutions Micro-Credit, our affiliates, and our respective directors, officers, employees, and agents from and against any claim, demand, loss, damage, cost, or expense (including reasonable legal fees) arising out of or in connection with:

• Your breach of these Terms;
• Your violation of any law or any right of a third party;
• Your use of the Services in a way that is fraudulent, negligent, or contrary to applicable law; or
• Any content you submit to or through the Services that infringes any third-party right.

We will give you prompt notice of any claim and will not settle a claim without your written consent (not to be unreasonably withheld), where the settlement requires you to admit liability or pay money.

We will not be liable for any failure or delay in performing our obligations under these Terms where the failure or delay results from events beyond our reasonable control, including acts of God; natural disasters; epidemics or pandemics; war, terrorism, or civil unrest; strikes, lockouts, or labour disputes; mobile-money-operator outages; telecommunications or power failures; cyber-attacks; and acts or omissions of governments, regulators, or courts.

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) are governed by the laws of the Republic of Ghana.

Subject to the dispute-resolution section below, the courts of Ghana have exclusive jurisdiction to settle any such dispute or claim. Each party irrevocably submits to the jurisdiction of those courts.

Before commencing any legal proceeding, you agree to contact us at inquiries@altsolutionsgh.com and give us at least sixty (60) days to attempt to resolve the dispute in good faith. If we cannot resolve the dispute through direct communication, we may agree (but are not required) to refer the dispute to mediation under the Ghana ADR Centre or an equivalent body. Where mediation is unsuccessful, the dispute will be determined by the courts of Ghana in accordance with the governing-law section above.

We may modify the Services at any time, including by adding, removing, or changing features, products, fees, and rates. Where a modification is materially adverse to you we will give you reasonable advance notice through the Services or by email.

We may also modify these Terms from time to time. When we do, we will update the “Effective” date at the top of these Terms and, where the change is material, we will give you reasonable advance notice. By continuing to use the Services after the updated Terms take effect you accept the updated Terms. If you do not accept the updated Terms, your sole remedy is to stop using the Services and close your Account.

We communicate with you electronically — through in-app notifications, email, SMS, and push. You consent to receiving electronic communications from us and you agree that any such communications satisfy any requirement that communications between us be in writing.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations under these Terms to any of our affiliates, to a successor in connection with a corporate transaction, or to any recipient of the Services or the relevant business unit.

A failure or delay by either party in exercising any right under these Terms is not a waiver of that right. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect, and the invalid provision is replaced by a valid provision that achieves, as closely as possible, the same commercial intent. The provisions of these Terms that by their nature should survive termination — including those relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law — will so survive.

These Terms, the Privacy Policy, the Cookie Policy, and any in-app or product-specific terms we reference (for example, the rules of a particular promotion or referral programme) constitute the entire agreement between you and us about your use of the Services. They supersede any earlier agreements or communications between us about that subject.

If you have any question about these Terms, write to us at inquiries@altsolutionsgh.com or use the contact details at the top of this document.