Terms of Service

1. Who we are

DSB Loan Tracker is a web application run by DSB, Ghana ("DSB", "we"). It helps money-lending businesses ("you", "your company") record loans, payments and the money they hold.

2. Your account

• The person who registers a company is its Owner and is responsible for everyone they invite.
• New companies may wait for DSB's approval before they can use the app.
• Keep your password private. Tell DSB at once if you think someone else used your account.

3. Free trial and payment

• A new company may get a free trial. Its length is shown on the pricing page when you register.
• After the trial, the subscription is paid in advance for the months you choose, with MoMo or a card (through Paystack) or as agreed with DSB. Prices are in Ghana cedis and shown on the website.
• Nothing is charged automatically. If a subscription is not paid, DSB may pause the company: its users can't open the app until DSB enables it again. Pausing never deletes or changes your data.
• Payments are not refunded for a period that has started, unless DSB agrees.

4. Your data

• Your customers, loans, payments and figures belong to your company. You can export them at any time from Reports.
• DSB's administrators have no screen, report or export that shows a company's customers or money. They see only counts (users, number of loans) and the subscription you pay DSB.
• Whoever operates the database server could technically read the data, as with any online service. DSB limits who has that access and does not look at your data unless you ask for help or the law requires it. See the Privacy Policy.

5. Using the app properly

• You are responsible for the loans you make, the rates you charge, and for following the laws that apply to your lending business in Ghana.
• The app calculates interest from the rate table you choose. Check your rates before you lend.
• Don't use the app for anything unlawful, or try to reach another company's data.

6. Availability and changes

We aim to keep the app available every day and back it up daily, but we can't promise it will never be interrupted. We may improve or change features; we will tell you before a change that affects what you pay.

7. Responsibility

DSB is not responsible for losses from lending decisions, from figures typed in wrongly, or from interruptions outside our control. Our total responsibility to you is limited to what you paid DSB in the last three months.

8. Ending

You can stop using the app at any time. DSB may cancel a company that breaks these terms. Ask DSB for an export of your data before your company is cancelled.

9. Law

These terms are governed by the laws of Ghana.