Please Read Our Terms Carefully
1. Eligibility
- You must be at least 18 years old and possess valid identification (Ghana Card, Passport, or Voter ID).
- We reserve the right to refuse service where eligibility requirements are not met.
2. Deposits & Savings
- Deposits are accepted via approved channels including cash and mobile money, subject to verification.
- Interest rates (where applicable) may change based on regulatory guidance.
- Keep deposit receipts or SMS confirmations for reconciliation.
3. Loans & Credit Facilities
- Loan approval is subject to our credit assessment and underwriting process.
- Late repayments may attract penalties and affect your credit record.
- Collateral must be valid and free from third-party claims.
4. Customer Responsibilities
- Provide accurate information and promptly update any changes.
- Safeguard your account credentials and PINs at all times.
5. Fees & Charges
- Some services attract fees (withdrawals, loan processing, etc.).
- We may deduct legitimate fees from your account per agreement.
6. Data Protection & Privacy
- We comply with the Data Protection Act, 2012 (Act 843).
- Your data will not be sold; it may only be shared with regulators or service providers where lawful.
7. Limitation of Liability
- We are not liable for losses caused by events beyond our control.
- We are not responsible for unauthorized transactions caused by negligence of credentials.
8. Compliance & Lawful Use
- All services comply with Bank of Ghana regulations.
- We may suspend or close accounts engaged in fraudulent activity.
9. Amendments
- We may amend these Terms from time to time and notify customers accordingly.
10. Governing Law
- These Terms are governed by the laws of Ghana.
- Disputes shall be handled under Ghanaian court jurisdiction.
Contact & Support
MicroPoint Microfinance
Asofan, Accra, Ghana
Phone: +233 20 116 2491
Email: support@micropoint.com
Please retain a copy of these Terms for your records. This document does not replace any signed agreements specific to a product (e.g., loan agreement).