Terms & Conditions

1. Introduction

Welcome to Stokvelwealthpartners ("SWP", "we", "us", or "our"). These Terms and Conditions govern your use of our platform, services, and website located at stokvelwealthpartners.com and app.stokvelwealthpartners.com.

By accessing or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our platform.

2. Eligibility

To use SWP services, you must:

• Be at least 18 years of age
• Be a resident of Lesotho or operating a stokvel group within Lesotho
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information

3. Account Registration

When you create an account with SWP:

• You are responsible for maintaining the confidentiality of your account credentials
• You agree to provide accurate, current, and complete information
• You will promptly update your account information to maintain accuracy
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use

4. Services Provided

SWP provides the following services to registered stokvel groups:

• Digital Platform: Web-based management tools for stokvels
• Financial Services: Microloans, group insurance, and savings programs
• AI-Powered Features: AI chat assistant, analytics, and automated tracking
• Member Management: Tools to manage group members and contributions
• Reporting: Financial reports and insights

5. User Responsibilities

As a user of SWP, you agree to:

• Use the platform only for lawful purposes
• Not engage in fraudulent activities or misrepresentation
• Maintain accurate financial records within the platform
• Respect the intellectual property rights of SWP
• Not attempt to reverse engineer or compromise platform security
• Comply with all applicable laws and regulations in Lesotho

6. Financial Transactions

For loan and financial services:

• Loan applications are subject to approval based on group criteria
• Interest rates and terms will be clearly disclosed before acceptance
• Repayment schedules must be adhered to as agreed
• Group members may be collectively responsible for loan repayment
• The bailout fund operates according to disclosed terms and conditions

7. Data and Privacy

We are committed to protecting your privacy. Your use of our platform is also governed by our Privacy Policy, which details how we collect, use, and protect your personal information.

8. Intellectual Property

All content, features, and functionality on the SWP platform, including but not limited to text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of Stokvelwealthpartners and are protected by copyright, trademark, and other intellectual property laws.

9. Limitation of Liability

To the fullest extent permitted by law:

• SWP is not liable for any indirect, incidental, special, or consequential damages
• We do not guarantee uninterrupted or error-free service
• We are not responsible for decisions made based on AI-generated insights
• Users are responsible for their own financial decisions

10. Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms and Conditions
• You engage in fraudulent or illegal activities
• Your account remains inactive for an extended period
• We are required to do so by law

11. Modifications to Terms

SWP reserves the right to modify these Terms at any time. We will notify users of significant changes via email or platform notification. Continued use of the platform after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of Lesotho. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of Lesotho.

13. Contact Information

For questions about these Terms and Conditions, please contact us: