Please ensure to carefully read all of the below listed terms and conditions of this client agreement, the terms of these policies and each of the other agreements that apply to you.
From time to time we may amend this Clients agreement and any of the policies as our services and products demand. The revised version of these terms of policy will be effective at the time it is published on our platforms, unless otherwise noted. If these changes in anyway reduce your rights or increase your responsibilities, we will post a notice on our website and provide you with at least 14 days’ notice.
Primarily Ghinko is a global payment service provider and personal finance management tool, and we do that by letting you own an account, while we do the hosting, maintaining and provide you with Ghinko services both online and offline. All services are offered by Ghinko Finance Inc. herein referred to as Ghinko.
Welcome to Ghinko ('Ghinko','we','us' or 'our'). These Terms of Use ('terms') developed by Ghinko is a contract between you and Ghinko Finance Inc. an American company and constitute a legally binding agreement between you (""you"" or ""client/s"") and Ghinko Finance Inc. (Ghinko). By accessing or using the Ghinko website, mobile application, or any other services provided by Ghinko (collectively, the 'Services'), you agree to be bound by these Terms and must be at least 16 years old, or the age of majority in your country/region of residence to open a Ghinko account and use the Ghinko services.
By registering and owning n activea Ghinko account, you agree to comply with all of the terms and conditions in this Clients agreement. If you do not agree to these Terms, you may not access or use the Ghinko Services.
In addition to these Terms, your use of specific features or services provided by Ghinko may be subject to additional terms and conditions, which will be presented to you at the time of accessing those features or services. Those additional terms and conditions are incorporated into these Terms by reference.
To access and use the Platform, you must be at least 16 years old and have the legal capacity to enter into and comply with these Terms. By using the Platform, you represent and warrant that you meet these eligibility requirements.
To access certain features of our Platform, you may need to create a Ghinko client account. When creating an account, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities occurring under your account. You agree to notify Ghinko immediately of any unauthorized use or suspected security breach of your account.
Ghinko offers a comprehensive suite of financial services, including but not limited to mobile and online payments, personal finance management, online lending, bill payment, e-commerce, crypto trade, inapp messaging and other related services. The specific features, functionalities, and availability of services may vary based on your location and other factors.
Ghinko reserves the right to modify, suspend, or discontinue any part of the Platform or its services at any time without prior notice. We will make reasonable efforts to notify Clients of any significant changes that may impact their use of the Platform.
Except where prohibited by law, you may not, nor may you permit any third party, directly or indirectly, to:
You agree to use the Platform in compliance with all applicable laws, regulations, and these Terms. You further agree not to engage in any of the following activities:
You may have the ability to submit or post content on the Platform, including but not limited to reviews, comments, or other materials ("Clients Content"). By submitting Clients Content, you grant Ghinko a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the Clients Content in connection with the Platform and Ghinko's business operations.
The Platform, including its design, features, and content, is owned by Ghinko and protected by intellectual property laws. You acknowledge and agree that Ghinko retains all rights, title, and interest in and to the Platform, including any modifications or enhancements thereof.
Ghinko grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform for personal, non-commercial purposes, subject to these Terms.
You may not copy, modify, distribute, sell, or lease any part of the Platform or its content without Ghinko’s prior written consent. You may not reverse engineer, decompile, or disassemble the Platform or attempt to derive its source code.
Ghinko collects and uses personal information in accordance with its Privacy Policy, which is incorporated into these Terms. By using the Platform, you consent to the collection, use, and disclosure of your personal information as described in the Privacy Policy.
The Platform and its content are provided on an 'as is' and 'as available' basis, without any warranties of any kind, whether express or implied. Ghinko disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Ghinko does not endorse, warrant, or guarantee the accuracy, completeness, or reliability of any content provided by third parties through the Platform. Any reliance on such content is at your own risk.
To the maximum extent permitted by applicable law, Ghinko and its affiliates, officers, directors, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to damages for lost profits, data loss, or business interruption, arising out of or in connection with your use of the Platform, even if Ghinko has been advised of the possibility of such damages.
In no event shall Ghinko's total liability to you for all claims arising out of or related to these Terms or your use of the Platform exceed the amount paid by you, if any, to Ghinko within the twelve (12) months preceding the event giving rise to the liability.
You agree to indemnify, defend, and hold harmless Ghinko and its affiliates, officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or related to your breach of these Terms or your use of the Platform.
Ghinko may terminate or suspend your access to the Platform at any time, with or without cause, and without prior notice. Upon termination, all licenses and rights granted to you under these Terms will immediately cease.
These Terms shall be governed by and construed in accordance with the laws of Delaware. Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the courts of Delaware, and you consent to the personal jurisdiction of such courts.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms constitute the entire agreement between you and Ghinko regarding your use of the Platform and supersedes any prior or contemporaneous agreements, communications, or understandings.
If you have any questions or concerns regarding these Terms, please contact us at legal@ghinko.com or sales@ghinko.com