Privacy Policy & Terms of Service

These Terms and Conditions outline the rules and regulations for the use of the website of JasperFly Ltd, accessible at www.jasperfly.com, and the company's payment platforms.

While we appreciate your use of our website for business transactions and other purposes, we assure you that any personal information shared with us will be treated with strict confidentiality, and we would also like to receive the same degree of assurance from you in relation to the confidentiality of the information that you may receive while engaging with us.

Confidential Information includes, but is not limited to, information that is reasonably understood to be proprietary and confidential. Confidential Information may also include information belonging to a Party and disclosed to the other Party by third parties who are bound by the duty of non-disclosure, as well as certain confidential or proprietary technical and business information which the Disclosing Party shares.

In particular, "Confidential Information" shall include without limitation:

• Conversations maintained with and all information obtained from us pursuant to your use of our website, applications and technology.

Confidential Information does not, however, include any information which:

• was publicly known and made generally available in the public domain prior to the time of disclosure by us;
• becomes publicly known and made generally available after disclosure by us to you through none of your actions or inaction;
• was already in your possession at the time of our disclosure;
• is obtained by a user on a non-confidentiality basis from a third party without a breach of such third party's obligations of confidentiality;
• is independently developed by you without use of or reference to our Confidential Information.

Kindly bear in mind the following upon receipt of Confidential Information from us:

• to keep the Confidential Information strictly confidential and not disclose any of it to any person except with our consent;
• not to use the Confidential Information for any purpose except to evaluate and engage in discussions concerning the Services;
• to protect the Confidential Information from disclosure and wrongful exploitation by all reasonable means and care;
• not to use, reproduce, distribute, disclose, publish or otherwise disseminate the Confidential Information without our prior written consent;
• not to modify, reverse engineer, disassemble, create other works from, or decompile any prototypes, software, or other tangible objects which embody the Confidential Information;
• keep the Confidential Information secure and in such ways as to prevent unauthorised access by any third party;
• ensure that neither you nor your employees and officers disclose to any other person or entity the Confidential Information;
• inform us promptly when you become aware of any breach of the terms of use of this website.

You may only disclose Confidential Information:

• where it is required by law;
• to your employees, agents and assigns on a need-to-know basis.

Your obligations of confidentiality to us will commence upon signing up on our website and shall remain in force so long as you remain our customer.

You cannot assign our relationship with you to another person with whom we have no relationship. If you or your business become a partner with another institution, kindly give us permission to enable us decide whether or not we would like to continue the relationship with your new owner or partner.

By accessing this website, you accept the Terms and Conditions on this site. You also agree to comply with local laws and regulations regarding acceptable use of online content. The following terminologies apply to our Terms and Conditions, Privacy Policy and Disclaimer Notice: "Client", "you" and "your" refer to you, the User of this website. "JasperFly Ltd", "The Company", "ourselves", "we", "our" and "us" refer to JasperFly Ltd. "Party", "Parties" or "Us" refer to either or both the Client and JasperFly Ltd.

Users may view, copy, download to a local drive, print, and distribute the content of this Website, or any part thereof, for informational, reference and non-commercial purposes only. Users who wish to use content from this Website for commercial purposes may only do so with the prior written permission of the Company. Any reproduction or copy of the content or portions thereof for commercial purposes must include this copyright notice in its entirety: © 2026 JasperFly, All Rights Reserved.

All moral rights and any other rights of JasperFly Ltd (or any other legal entity in respect of which content is contained on this site) not expressly granted are hereby reserved.

You must not:

• Republish material from www.jasperfly.com.
• Sell, rent or sub-license material from www.jasperfly.com.
• Reproduce, duplicate, or copy material from www.jasperfly.com.

Information, ideas and opinions expressed on this site should not be regarded as professional advice or the official opinion of JasperFly Ltd or any legal entity in respect of which information, ideas and opinions are expressed on this website. Users are encouraged to obtain professional advice before taking any course of action related to information, ideas or opinions expressed on this site.

It is the sole responsibility of a User to verify prior to accessing this website that the website will meet their individual requirements and be compatible with the User's hardware and software. The use of the content of this website is at the User's own risk. The User assumes full responsibility and risk of loss resulting from the use of the content of this site.

JasperFly Ltd makes no representations or warranties, implied or otherwise, that, amongst others, the content and technology available from this site are free from errors or omissions or that the service will be 100% uninterrupted and error-free or will meet any criteria of performance or quality.

JasperFly's payment processing is powered by Mojo Payments, which is licensed by the Bank of Ghana.

We use cookies to enable the proper functioning of our website. A cookie is a small text file that the website stores on your computer or mobile device when you visit our website. Cookies help us give you a better customer experience whenever you visit our website. In essence, we use cookies to give you a better online experience. Cookies contain specific information related to your use of our website or app. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not directly identify you but can give you a more personalised web experience. There are some cookies that are essential to the functioning of the website and may not be disabled. You may however choose not to accept our cookies, except that if you do not, some functions of our website may not work or you may not be able to access every part of the website.

Session cookies are temporary and only exist while you browse our website. As soon as you close your browser or move to a different website, they are removed. They allow our website to link your actions during a browser session. Persistent cookies are permanent cookies that are stored on your device until they reach a set expiry date or until you delete them. They remember your preferences or actions across our site (or in some cases across different websites). We may use them for various reasons, such as remembering your preferences and choices when using our site, or to display only relevant advertising messages to you. First-party cookies are created and owned by us. Third-party cookies are created and owned by a third party that provides a service to us, such as social media sharing, website analytics or content marketing.

As earlier indicated, you can stop your browser from accepting cookies by changing the settings on your web browser. Explore the settings and options on your browser to disable or enable them.

Our website may contain links to other websites (related or otherwise). We do our best to ensure that we only create or allow links to websites with high privacy standards. However, we do not claim any responsibility for the safety, privacy or otherwise of such third-party websites.

Unless otherwise stated, JasperFly owns and retains the intellectual property rights for all material on www.jasperfly.com. All intellectual property rights are reserved. You may access content on www.jasperfly.com for your personal use subject to restrictions set out in these Terms and Conditions.

This Privacy Policy describes the information we collect from Users as part of the normal operations of the Website, and how we use and disclose this information. By accessing or using the Website, you expressly consent to our collection, use, and disclosure of your personal information in accordance with this Privacy Policy. All personal information shall be handled in compliance with the Ghana Data Protection Act, 2012 (Act 843) and all other applicable laws, rules and regulations. This Privacy Policy is incorporated into and subject to our Terms and Conditions.

We collect personal information directly from you, and where lawful and reasonable we may collect personal information about you from third parties. We manage the collection, processing, and storage of your personal information in accordance with JasperFly's Privacy Policy and Ghana's Data Protection Act, 2012 (Act 843).

We use your personal information to:

• open and maintain your account, effect transactions, administer your claims, manage our risks and maintain our relationship with you;
• comply with regulatory requirements;
• tell you about our products and services;
• effect your instructions;
• enable you to access our services;
• meet our responsibilities to you;
• analyse market trends and for marketing purposes.

JasperFly Ltd may use third-party vendors and hosting partners to provide the necessary hardware, software, networking, storage and related technology required to run the Website. Although JasperFly and its licensors own the code, databases, and all rights to the Website and any feedback you provide, you retain all rights to your data. We ensure that our third-party suppliers agree to our privacy policies if they need access to personal information to carry out their duties. Neither we nor our suppliers will disclose your personal information to a third party unrelated to JasperFly Ltd without your prior consent except as required by law and the other legitimate exceptions in this policy. We may use your name and email address without further consent to communicate with you on matters such as notifying you of major updates, customer service requirements, or items for which you have requested communication.

We will only disclose your personal information if:

• the law requires it;
• we have a public duty to disclose it;
• either of our legitimate interests so requires;
• it is necessary for giving effect to our contract with you;
• you consent to the disclosure.

We may collect the email addresses of those who communicate with us via email, aggregate information on what pages Users access or visit, and information volunteered by Users. This includes any information that is submitted to us by Users via the Contact page of the Website. Any personal information provided by Users who send inquiries to JasperFly via email or the Contact page will be used only for the purpose of responding to such inquiries.

We collect information such as name, phone number, email address, personal financial information, and login credentials (e.g., username and password) from Users of the Website. We also collect information from resumes, cover letters, and other related documentation voluntarily uploaded by job seekers.

We also collect bank account details, business registration documents as well as all other regulatory files and documents statutorily required by law and also by us from Users who wish to on-board themselves onto our Merchant On-Boarding Platform.

We may share your personal information outside Ghana either to carry out your instruction or in the ordinary course of business. Where applicable, such third parties to whom we disclose your personal information will be required to agree to our privacy policy.

Customer lists and information are properly considered assets of a business. Accordingly, if we merge with another entity or if we sell our assets to another entity, our customer lists and information, including personally identifiable information you have provided us, would be included among the assets that would be transferred and we would request that the entity treat your information in accordance with these terms.

While we do our best by industry standards to ensure that your personal information with us is safe from loss, unauthorised destruction, damage, and access, there are inherent risks associated with the use of the internet or "E-Media" such as risks of interception, invasion, hacking, breach of confidentiality, theft, alteration, forgery, distortion, loss or delay in transmission ("E-Transmission/Storage Risks").

Since these E-Transmission/Storage Risks are beyond the reasonable control of JasperFly Ltd, they are deemed as having been accepted by you and you waive all claims against JasperFly Ltd which result from E-Transmission/Storage Risks.

You may request the following of us:

• ask us to give you a description of your personal information held by us; and
• ask us to correct, change or update your personal information through our customer service channels by providing all necessary and legally required data for the purpose.

To enable us to assess what people look for on our website, what they use our site for, and to determine the parts of our site they visit most, we automatically process certain personal information such as number and times of visits to the website. This information is restricted to your use of our website, and we do not obtain personal information about a user from other websites.

If a dispute arises out of or relating to your use of our website or mobile app, we will both attempt to resolve the matter amicably within 7 days of such occurrence. Where we are unable to amicably resolve the matter, we would both refer it to be finally resolved by arbitration conducted by a single arbitrator in accordance with the rules of the Alternative Dispute Resolution Act, 2010 (Act 798). Each of us will bear our own legal fees unless otherwise found by the arbitrator.

Your use of our website, mobile app or other form of technology is generally governed by Ghanaian law. We do not claim to make representations or warranties on what governing laws our third-party suppliers subscribe to.

We like to maintain a friendly and cordial relationship with our users; however, our failure to enforce any provision of this Privacy Policy and Terms of Use will not constitute a waiver of our rights. We will pre-inform you if we decide or have to waive any of our Terms and Conditions.

Should any part of this Policy and Terms of Use be construed as invalid, illegal or unenforceable, such construction will not affect the validity and enforceability of the remaining clauses.

We may from time to time update or make changes to our Privacy Policy. A revised Privacy Policy only applies to data collected subsequent to its effective date.

The full name of the website owner is JasperFly Ltd, represented by the Chief Executive Officer of JasperFly Ltd. For further inquiries, please contact info@jasperfly.com.