Terms of use

1. Agreement to terms

These Terms of Use ("Terms") govern access to and use of the website located at https://saiifgh.org and related online services operated by Savannah Institute for Innovative Finance ("SAIIF", "we", "us", or "our").

By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy and Cookie Policy, which are incorporated by reference. If you do not agree, you must not use the website.

We may update these Terms from time to time. Material changes will be indicated by updating the effective date below. Your continued use after changes become effective constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least sixteen (16) years of age to use this website. By using the website, you represent that you meet this requirement and have the legal capacity to enter into these Terms.

If you use the website on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

3. Permitted use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the website for lawful personal or internal business purposes. You agree not to:

• Use the website in any way that violates applicable local, national, or international law or regulation.
• Attempt to gain unauthorised access to our systems, networks, accounts, or data.
• Introduce viruses, malware, or other harmful code, or conduct denial-of-service or similar attacks.
• Scrape, crawl, harvest, or systematically extract content or data without our prior written consent.
• Reverse engineer, decompile, or disassemble any part of the website except where permitted by law.
• Remove, obscure, or alter copyright, trademark, or other proprietary notices.
• Use the website to transmit unsolicited commercial communications or spam.
• Impersonate any person or entity or misrepresent your affiliation.
• Use the website in a manner that could damage, disable, overburden, or impair our services or interfere with others' use.

4. Intellectual property

All content on this website—including text, graphics, logos, icons, images, audio, video, research summaries, publications, design elements, and software—is owned by or licensed to SAIIF and is protected by copyright, trademark, and other intellectual property laws.

The SAIIF name, logo, and related marks are trademarks of or licensed to us. You may not use our trademarks without prior written permission.

You may view, download, and print content for personal, non-commercial reference provided you do not modify the content and retain all proprietary notices. Any other reproduction, distribution, public display, or creation of derivative works requires our prior written consent.

5. User submissions

If you submit information through contact forms, email, or other channels—including feedback, questions, or proposals—you represent that the information is accurate to the best of your knowledge and that you have the right to provide it.

You grant us a non-exclusive, worldwide, royalty-free licence to use, store, and process submissions solely for the purpose of responding to you, operating our programmes, and improving our Services, in accordance with our Privacy Policy.

We are not obliged to treat submissions as confidential unless we have agreed otherwise in writing. Do not submit proprietary or sensitive information you do not wish us to process under these Terms and our Privacy Policy.

6. No professional or investment advice

Content on this website is provided for general informational and educational purposes only. It does not constitute investment, financial, legal, tax, or other professional advice.

SAIIF is a thought leader and capacity-building organisation in innovative finance. Nothing on this website should be construed as an offer, solicitation, or recommendation to buy or sell securities or financial products, or to enter into any transaction.

You should consult qualified professionals before making financial, legal, or business decisions. Reliance on website content is at your own risk.

7. Third-party links and services

The website may contain links to third-party websites, resources, or services. These links are provided for convenience only. We do not endorse and are not responsible for the content, accuracy, privacy practices, or availability of third-party sites.

Your use of third-party services is governed by their terms and policies. We encourage you to review them before use.

8. Disclaimers

The website and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or harmful components. We may suspend, modify, or discontinue any part of the website at any time without notice.

9. Limitation of liability

To the fullest extent permitted by applicable law, SAIIF and its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or business opportunities arising from or related to your use of—or inability to use—the website, even if we have been advised of the possibility of such damages.

Where liability cannot be excluded, our total aggregate liability for any claim arising out of or relating to these Terms or the website shall not exceed one hundred Ghana cedis (GHS 100) or the minimum amount permitted by applicable law, whichever is greater.

Some jurisdictions do not allow certain limitations of liability; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless SAIIF and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from your violation of these Terms, misuse of the website, or infringement of any third-party rights.

11. Privacy and cookies

Our collection and use of personal information is described in our Privacy Policy at /privacy. Our use of cookies and similar technologies is described in our Cookie Policy at /cookies.

By using the website, you acknowledge that you have read those policies. Non-essential cookies are placed only with your consent through our cookie preference centre.

12. Suspension and termination

We may suspend or terminate your access to the website at any time, with or without notice, if we reasonably believe you have violated these Terms or applicable law, or to protect the security and integrity of our Services.

Provisions that by their nature should survive termination—including intellectual property, disclaimers, limitation of liability, indemnification, and governing law—shall survive.

13. Governing law and jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Ghana, without regard to conflict-of-law principles.

Subject to mandatory consumer protection laws in your jurisdiction, you agree that the courts of Accra, Ghana shall have exclusive jurisdiction to resolve disputes arising from or relating to these Terms or the website, and you submit to the personal jurisdiction of such courts.

Nothing in this section limits your right to bring proceedings before a competent supervisory authority or to seek remedies under mandatory applicable law, including GDPR-related rights for individuals in the EEA or UK.

14. General provisions

• Entire agreement: These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement regarding website use.
• Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in full force.
• Waiver: Failure to enforce any provision is not a waiver of that provision or any other provision.
• Assignment: We may assign our rights and obligations under these Terms. You may not assign your rights without our prior written consent.
• Force majeure: We are not liable for delays or failures caused by events beyond our reasonable control.

15. Contact

Questions about these Terms may be directed to:

Savannah Institute for Innovative Finance

No. 22 Justice E. P Sowah Avenue, East Legon, Accra P. O. Box CT 6938 – Cantonments

Email: info@saiifgh.org