These Terms of Service (the “Terms”) govern your access to and use of SusuTracks (the “Service”), provided by JSN Digital (“we”, “us”, or “our”), a business registered in Ghana. By creating an account, subscribing, or otherwise using the Service, you (the “Customer”) agree to be bound by these Terms.

If you are entering into these Terms on behalf of a business, you confirm that you are authorised to bind that business. If you do not agree to these Terms, you must not use the Service.

“Admin” means the business owner or manager account with full oversight of a workspace. “Agent” means a field-collector account that records collections from assigned customers only.

“Customer Data” means all data you and your agents enter or generate through the Service, including your customers’ names, phone numbers, contributions, and balances. “Workspace” means the isolated account and data environment provided to your business.

SusuTracks is a susu (daily savings) collection management platform. It provides an admin dashboard, an offline-capable agent mobile app, SMS receipts, reporting, and related features described on our website and Pricing page.

We may add, change, or remove features over time to improve the Service. We will not make changes that materially reduce the core functionality of your paid plan without notice.

You are responsible for keeping your admin and agent credentials secure and for all activity that occurs under your Workspace. You must notify us immediately at hello@susutracks.com if you suspect any unauthorised access.

You are responsible for setting up your agents correctly, assigning the right customers to them, and reviewing and approving daily reconciliations. Agents can only see and act on their assigned customers; access controls are enforced at the database level.

You agree to use SusuTracks lawfully and only for legitimate susu collection management. You must not use the Service to defraud your customers, to launder money, or for any purpose prohibited by Ghanaian law or the regulations of the Bank of Ghana.

You must not attempt to access data you are not authorised to see, probe or disrupt the Service, reverse-engineer it, resell it without our written consent, or use it to send unlawful or unsolicited messages.

As between you and us, Customer Data belongs to you. You grant us a limited licence to host and process it solely to provide and support the Service. Our handling of personal data is described in our Privacy Policy.

You are responsible for the accuracy of the records you enter and for having a lawful basis to collect and process your customers’ personal data, including the right to send them SMS receipts. You act as the data controller for your customers’ data; we act as your data processor.

Each plan includes a monthly SMS allocation. SMS receipts are sent to the customer numbers you provide. You are responsible for the numbers you enter and for the content you configure. Additional SMS beyond your allocation is billed per our published bundle rates.

Message delivery depends on mobile networks and third-party gateways and cannot be guaranteed for every individual message.

Subscription fees and a one-time setup fee of GHS 7,000 are described on our Pricing page. Monthly fees are billed in advance on the same date each month. The GHS 7,000 setup fee is one-time and non-refundable once onboarding has begun; it is not charged again on plan upgrades.

Fees are exclusive of any applicable taxes or levies, which you are responsible for. If a payment is not received when due, we may suspend access after reasonable notice until the balance is settled.

We work to keep the Service available and reliable, but it is provided on a commercially reasonable-efforts basis and may occasionally be unavailable for maintenance, updates, or reasons beyond our control. The agent app is designed to keep working offline and to sync when connectivity returns.

Support is provided through the channels described for your plan (email, WhatsApp, or a dedicated line).

Except as expressly stated, the Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, to the fullest extent permitted by Ghanaian law. We do not warrant that the Service will be uninterrupted or error-free.

SusuTracks is a record-keeping and management tool. It is not a bank, and it does not hold, transfer, or provide financial or investment advice on your funds.

To the fullest extent permitted by Ghanaian law, JSN Digital will not be liable for any indirect, incidental, special, or consequential losses, or for loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the Service.

Our total aggregate liability arising out of or relating to these Terms will not exceed the total fees you paid to us for the Service in the three (3) months immediately preceding the event giving rise to the claim.

You may cancel your subscription at any time with 30 days’ notice. We may suspend or terminate your access if you materially breach these Terms, fail to pay, or use the Service unlawfully, after giving you reasonable notice and an opportunity to remedy where practical.

On termination we will provide a full export of your Customer Data on request, after which we will delete or anonymise it in line with our Privacy Policy and retention schedule.

We may update these Terms from time to time. If we make material changes we will notify admins by email or in-app. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by the laws of the Republic of Ghana. The courts of Ghana have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service.

Before starting formal proceedings, both parties agree to attempt in good faith to resolve any dispute through discussion.

Questions about these Terms? Email hello@susutracks.com. SusuTracks is a product of JSN Digital, Accra, Ghana.