Legal Disclaimer

Last Updated: June 16, 2025

1. Nature of Platform and Services

Platform Description: P2P Donate is a peer-to-peer donation platform operating in Ghana that facilitates voluntary donations between community members. We are NOT:

2. Financial Risks and Warnings

3. Not Financial or Investment Advice

4. Platform Limitations and Disclaimers

4.1 Service Availability

• No Uptime Guarantee: Platform may be unavailable due to maintenance, technical issues, or other factors
• Service Interruptions: We may suspend services without notice for security or regulatory reasons
• Geographic Restrictions: Services may not be available in all areas of Ghana
• Mobile Network Dependencies: Platform functionality depends on mobile money provider availability

4.2 User Verification and Security

• Limited Verification: While we verify user identities, we cannot guarantee authenticity of all users
• Fraud Risk: Risk of fraudulent users despite our security measures
• User Responsibility: Users must exercise caution when interacting with others
• No Liability for User Actions: We are not responsible for actions of individual users

4.3 Mobile Money Integration

• Third-Party Services: Mobile money services are provided by external operators (MTN, Vodafone, AirtelTigo)
• No Control Over Transfers: We do not control or process mobile money transactions
• Provider Limitations: Subject to mobile money provider terms and limitations
• Transaction Failures: Mobile money transactions may fail due to provider issues

5. Regulatory Compliance and Legal Status

5.1 Ghanaian Regulatory Framework

Current Compliance: P2P Donate operates in compliance with current Ghanaian regulations including:

• Payment Systems and Services Act 2019 (Act 987)
• Data Protection Act 2012 (Act 843)
• Anti-Money Laundering Act 2008 (Act 749)
• Bank of Ghana guidelines and directives

5.2 Regulatory Uncertainty

5.3 User Legal Responsibilities

• Tax Obligations: Users are responsible for reporting and paying taxes on any income received
• Legal Compliance: Users must comply with all applicable Ghanaian laws
• AML Compliance: Users must not engage in money laundering or terrorist financing
• Accurate Information: Users must provide truthful information to the platform

6. Limitation of Liability

6.1 Excluded Damages

We are NOT liable for:

• Financial Losses: Loss of money pledged to other users
• Indirect Damages: Lost profits, business opportunities, or income
• User Actions: Fraud, misconduct, or illegal activities by other users
• Technical Issues: Platform downtime, data loss, or system failures
• Third-Party Services: Mobile money provider failures or limitations
• Regulatory Actions: Government actions affecting platform operations
• Force Majeure: Natural disasters, wars, or other uncontrollable events

6.2 Platform Disclaimers

"AS IS" Service: The platform is provided "as is" without warranties of any kind, including:

• No warranty of uninterrupted service
• No warranty of error-free operation
• No warranty of security or data protection
• No warranty of user satisfaction or success
• No warranty of regulatory compliance in all circumstances

7. User Acknowledgments and Representations

By using P2P Donate, you acknowledge and represent that:

7.1 Understanding and Acceptance

• You have read and understood all risks outlined in this disclaimer
• You voluntarily accept all financial and legal risks
• You understand this is not an investment or guaranteed return program
• You are participating solely at your own risk

7.2 Financial Capacity

• You can afford to lose any money you pledge
• You are not pledging money needed for essential expenses
• You have not borrowed money to participate in the platform
• You understand the experimental nature of the platform

7.3 Legal Compliance

• You are legally permitted to use financial services in Ghana
• You will comply with all applicable tax obligations
• You will not use the platform for illegal activities
• You understand your legal responsibilities as a platform user

8. Alternative to Gambling and Betting

However: While designed as a positive alternative, P2P Donate still involves financial risk and should be used responsibly.

9. Dispute Resolution

Internal Resolution: Disputes should first be addressed through our support system.

Legal Jurisdiction: Any legal disputes will be resolved in Ghanaian courts under Ghanaian law.

Mediation: We encourage mediation before pursuing legal action.

10. Updates to This Disclaimer

Modification Rights: We reserve the right to update this disclaimer to reflect:

• Changes in Ghanaian law or regulations
• Platform feature updates or modifications
• Enhanced risk disclosures or legal protections
• User feedback and regulatory guidance

Notification: Users will be notified of material changes via email and platform notifications.

11. Contact Information

General Support:

• Support tickets through the platform
• Email: support@p2pdonate.gh
• Response time: Within 48 hours