Privacy Policy


Maariba

Modified date: June 1, 2019

Effective Date: July 1, 2019

We respect your privacy and we care about the protection of your personal data. This Privacy Policy ("Policy") will provide you with information about how we handle your personal information. You will also learn about your rights and how the laws in force protect you and your personal data. Please read the Privacy Policy carefully before using our Services. This Policy is incorporated by reference into the Terms of Use. Any capitalized terms used and not defined in this Policy shall have the meaning given to them in the Terms of Use. 

Please note that the use of the MAARIBA’s Platform constitutes your acceptance of this Policy. If you do not agree with how we have determined to handle your information, please do not visit or use the MAARIBA services and or platform.

In our Privacy Policy:

Platform or Services means any product, service, content, functionality, technology or function, all related websites and applications that we offer you.

Service means the websites, applications and mobile websites or other online content, through which we offer our services.

1. Who are we?
The main administrator of your data for the provision of our international services is MAARIBA Limited with its registered office in Accra, with registration no. CS196652018 and Address: # 76 South Boundary Road, Lashibi, Community 20, Tema, Ghana and of P. O. Box LG 726 Legon, Accra, Ghana. MAARIBA Limited provides services to you in accordance with our Regulations (hereinafter collectively " MAARIBA ", " we", " us " or " our"). 

2. What data do we collect about you? 
2.1.Data provided directly by you
Registration and other information about your account

During your registration to use the Services we provide, we may collect “Personal Information,” which is hereby defined as “full name, username, postal address, phone number, email address, age, birth date, and any information that could be used to identify, contact, or locate you directly.” 

By using the MAARIBA Platform, you are authorizing us to collect, parse, and retain data related to the provision of the MAARIBA Platform. However, we also provide Users with options and choices regarding how we use and disclose some or all of your Personal Information, as set forth specifically below, including how to access, correct, and/or remove it. You may avoid further said data collection by uninstalling the App from your mobile device and not otherwise using the MAARIBA Platform. 

if you register using a Facebook account or Google: we collect your authentication token, registration information, and account identification number and use that information to provide you with access to your account on the MAARIBA Platform. In a situation where, within the privacy settings of the application (such settings will appear just before logging in to our Platform), you give your permission, we can also obtain information about your gender, age, email ID; if you register using your email address or cell phone number: email address and cell number. Providing the above data is necessary to use the services offered as part of the MAARIBA account.
Communication via the chat function in our Platform: When you use the chat feature to communicate with other users, we collect the message content and information you provide through this functionality.
Telephone communication and correspondence: In the case of telephone or e-mail contact, we collect all information that you decide to provide during a conversation or during correspondence with our employees or representatives. Please note that in the case of telephone contacts, all calls are recorded. If you are opposed to recording telephone conversations, the conversation will not continue and you can use other available forms of communication. As an enhanced privacy feature, we use a third-party service called Twilio to mask the telephone numbers used during calls or texts (SMS) between Users (See additional provisions regarding Twilioherein below). We do not reveal telephone numbers submitted on file, although we store any call data, including associated date, time, and content. 
Transaction Information

We collect transaction details related to your use of our Platform, such as type of service requested, service provided, date and time of service, amount charged, distance travelled, intra-User communications, ratings and reviews, and other related transaction details.  

Service Provider (herein called “MAARA”) Registration and Payment:

To register as a Service Provider (“Maara”), you may need to provide other Personal Information, including your National Identification Number, bank or mobile account and a Ghana Government-issued I.D., and in some jurisdictions, we may collect additional business or contractor licenses or registration. Providers without permanent day-time business location cannot and will not be allowed to register on our platform.

We share certain information with our partners who help us by running background checks on Providers to help protect the MAARIBA community. We may use reported information we receive from background check of service providers for the purposes of assessing whether to permit an individual to use the MAARIBA Platform as a Provider (“Maara”) and to comply with applicable law. To keep your data secure, we encrypt your full bank account information and other sensitive information including your mobile number and store in a secured server. 

2.2.Data that we collect automatically when you use our Services
When you use our Platform, we automatically collect the following information about you:

Data about the device

We collect information about your device, such as the version of the operating system and unique identifiers. An example of this information is the name of the cellular network you use. Information related to the device is linked to your Maariba account.

Location information

Depending on the privacy settings of your device, if you put a specific item on our Platform, we automatically collect and process information about your current location. We use various technologies to determine the location, including IP address, GPS, Wi-Fi access points and mobile stations.

We collect precise location data through the App when it is used by Customers and Providers if your devices permit such information collection. We may collect this information when Customers and Providers use certain functionality, such as navigating to a location to provide the Services, and we may also collect the precise location of a Provider’s device when the App is running in the foreground or background. The MAARIBA Platform utilizes geo-location features to match Customers to Providers, to update Customers on the status of Providers enroute to perform Services, to confirm that a Provider performed Services, and to improve our services. 

We also may use and disclose geo-location we collect for other business purposes, including for legal purposes (such as to enforce our agreements) and in the event of a proposed or actual merger, sale, or other business asset transfers. The geo-location information obtained about a User will be retained in an identifiable manner, along with geo-location data about job sites where Providers performed Services on initial and/or follow-up jobs. 

Login details

We collect technical details, including the internet protocol address (IP address) of your device, time zone information and operating system. We also store information about your login (date of registration, date of last change of password, date of last successful login) and type and type of your web browser.

Data on website activity

We collect information about your activity on the Platform, including information on the websites from which you access our Platform, the date of each visit, the results of your searches, product lists and advertising banners in which you clicked, your interactions with such advertisements and product lists, time duration of your visit, as well as the order in which you visited individual sections of our Platform.

Cookies

We use cookies to manage user sessions, store language preferences and provide you with relevant ads. " Cookies" are small text files sent by the web server to the hard drive of your device. Cookies can be used to collect information about the date and time of your visit, your browsing history, your preferences, and username. You can change your browser settings to reject all or some cookies, or set up a warning message that websites place or have access to cookies. Remember that if you block or reject cookies, some of our Services or certain parts of the Platform may become unavailable to you or may not work properly.

2.3.Data obtained from third parties or from publicly available sources
We receive your personal information from various third parties (and public sources) such as listed below:

Some technical and usage-related information obtained from analytical service providers such as Google.
Address and contact data related to business operations obtained from information providers, such as business intelligence services and entities building bases of potential contractors and publicly available registers (eg Central Registration and Information on Business Activity).
Other users of the Platform, to the extent that they keep us with correspondence regarding our Services or transactions that you have with them (for example, shipping confirmation data, information on the discrepancy of goods with the advertisement, information on potential frauds).

3.Use of Information 
We will use your personal data (this includes the information collected by our third-party service providers, set forth herein; however, which is governed separately) only if it is in accordance with the law. We usually process your personal information for purposes of our “use” include platform-analytics, marketing, advertising, and other purposes designed to help us efficiently operate and improve our Platform in the following manner: Specifically, your information is processed when:

  • It is necessary to conclude or perform the contract (remember that using our Services you conclude a contract for the provision of electronic services and or received electronic service).
  • This is necessary for purposes arising from our legitimate interests, consisting of improving our Services and providing you with access to a secure and efficient Platform.
  • This is necessary to fulfil the legal obligation imposed on us.
  • It is necessary to contact you in connection with your MAARIBA-related activities (including, but not limited to, confirmation emails, account verification text messages, push notification alerts, or important alerts that could affect your relationship with MAARIBA), 
  • It is required for identification and authentication; for security and fraud prevention; to perform background checks; to investigate potential unauthorized use of your information by a Provider; to communicate Service requests from you to other Users, and/or; to suggest potential Customers for your Services. 
  • In certain circumstances, we may also process your personal information based on your consent. In such cases, when obtaining your consent, we will inform you about the purpose of processing and the category of personal data being processed.

Below is a description of how we process your personal data and the legal basis on which we based our activities. In addition, when it is applicable, we have identified and described our legitimate interests.

3.1.Processing to improve the convenience of using the Platform
We use data about user activity (e.g., click sequences within the Website) to:

offering you personalized content, such as better search results when using our Services;
determining how long and how you navigate our Platform in order to learn about your interests and improve our Services. For example, based on information about the content that interests you, we can give yousuggestions

of other interesting materials;
monitoring and reporting the effectiveness of marketing campaigns to our business partners and for internal business analyzes.
We use your location data for the following purposes:

combining anonymous and aggregated information on the characteristics and behaviour of Maariba users, including for business analysis, segmentation and development of anonymous profiles;
support the development of our Platform and personalize the content that is directed to you. For example, with the help of a location and for you to have more convenience in searching, we can display lists of ads from your neighbourhood;
measuring and monitoring your interactions with third parties that we place on our Platform.
Based on login information that contains your email ID and telephone number, we recognize different devices (such as a desktop computer, mobile phone, tablet) used by you to access the Platform. It allows us to combine your activity in our Platform on all devices, and also helps to provide you with the same convenience of using the Platform no matter which device you use.

We process the above information based on the premise of our legally legitimate interest in order to improve your convenience of using the Platform and for the proper performance of the contract you have concluded with us.

3.2.Processing to ensure the security of the Platform
We use your mobile phone number, login details and unique device identifiers to administer and protect our Platform (including diagnostics, data analysis, testing, fraud prevention, IT maintenance, support, reporting and data hosting).

For the purposes of preventing abuse and promoting security by blocking spam or offensive messages that may be sent to you by other users, we analyze your communication through the chat function.

We process the above information for the proper performance of the contract you have concluded with us, to improve our Services and based on the premise of our legitimate interest in the prevention of abuse.

4.Your rights
The applicable privacy laws grant you certain rights related to the processing of your personal data. The nature of our actions determines the scope of your rights.

If you want to implement any of the rights described below, go to your account/privacy settings or contact us using the Contact Form.

The right to access your personal data. This right allows you to receive information about whether we process personal information about you and, if so, the right to receive a copy of the personal data we process. The right of access to personal data allows you to verify that we process them in accordance with the law.

The right to rectify your personal data. This right provides the opportunity to request correction of incomplete, untrue or outdated data that we process. In some cases, when we process your request, we will need to verify the correctness of the new data you provide us with.

The right to limit the processing of your personal data. This right allows you to ask us to stop processing your personal data in the following situations: (a) if you want us to check the accuracy of the data; (b) if our processing is illegal; (c) when you need the data to establish, investigate or defend claims, even though we no longer need your data for our own processing purposes; (d) when you object to our processing, but we must verify whether we still have overriding and legitimate grounds for continuing the processing of your personal data.

The right to delete your personal data. This right allows you to request removal of your personal data if it is no longer necessary for the purposes for which it was collected. You can also request that we delete your personal data if you have successfully exercised your right to object to the processing (see below) if we process your data unlawfully or are required to remove your personal data in order to comply with the legal obligation indicated in provisions of applicable law. Please note that in some cases, we are required to process your data based on applicable laws and we cannot process your request. For more information, see section 8.

The right to object to the processing of data concerning you in a situation where we process your data based on the premise of a legally legitimate interest (ours or third parties). You can lodge an objection for reasons related to your particular situation when, in your opinion, the processing affects your rights or freedoms. You also have the right to file an objection if we process your data for direct marketing purposes. In some cases, we can demonstrate that we have a legitimate basis for processing data that overrides your rights and freedoms (eg, the need to ensure the security of the Platform and the prevention of fraud). In such cases, the right to object is not connected with the removal of your personal data.

The right to transfer your personal data. In implementing this right, we will provide you or a third party identified by you with your personal information in a structured, commonly used, machine-readable format. Remember that you are entitled to this right only in relation to data processed on the basis of consent or the condition for performance of the contract you have entered into with us, and the processing itself takes place in an automated manner (in information systems).

If you have given us permission to process your personal data, you have the right to withdraw it at any time. Withdrawal of consent does not affect the lawfulness of the processing which was carried out on the basis of consent before its withdrawal.

The exercise of rights is, in principle, free: You will not have to pay a fee for exercising the right of access to your personal data (or for the performance of any other rights). However, we may charge a reasonable fee if your request is manifestly unreasonable or excessive, in particular, because of its continuing nature. In these cases, we may also refuse to comply with your request.

Timeline for requests: We strive to respond to all legitimate requests within one month. If your request is particularly complex or you have made several requests, it may take us longer than a month to recognize them. In this case, we will inform you about the extension of the deadline and provide you with current information regarding the implementation of your request.

You also have the right to lodge a complaint with the competent supervisory authority at any time.

We will be grateful if, before submitting a complaint to the supervisory body, you will give us the opportunity to address your case and concerns related to our action. For this reason, please contact our Privacy Department via info@maariba.com or use our complaints form on our Platform.

5.Communication and Marketing
We will communicate with you via email, SMS or by means of notifications related to our Services / Service. The communication will be aimed at confirming your registration, informing you when a job request is posted, and in the case of other transactional messages related to our Services. Due to the fact that sending such messages to you is necessary from our perspective, you may not be able to opt out of receiving them.

However, you can at any time opt out of the marketing communication you receive by clicking the appropriate link in the email or SMS sent to you by changing the notification settings as part of your MAARIBA account. In case of problems or difficulties, please contact our Privacy Department via info@maariba.com.

6.Advertising and Advertising Opt-Out Provisions  
We may use your Personal Information to provide advertising on/for the MAARIBA Platform. We may also send you email and other messages with personalized offers and information about products and services, and we may use Personal Information to show you online advertising on the MAARIBA Platform, other websites, and other online services. 

MAARIBA provides Users with the opportunity to opt out of receiving email marketing communications from us and our partners and gives Users the option to remove their information from our database, to not receive future email marketing communications, or to no longer receive our service. If you receive an unsolicited marketing email from a MAARIBA email address, please contact info@maariba.com. 

Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from the websites and apps you visit and elsewhere on the internet and use that information to provide measurement services and target ads. You may be able to opt out of receiving personalized advertisements from advertisers and/or advertising networks who are either members of the Network Advertising Initiative or subscribers to the Digital Advertising Alliance’s Self-Regulatory Principles for Online Behavioral Advertising.  

You may also be able to change your mobile device settings to opt out of personalized advertising through apps. For example, for iOS mobile devices, go to “Settings” from your device’s home screen; scroll down to “Privacy”; select “Advertising”; and turn on “Limit Ad Tracking.” Also, for location-based ads, you may go to “Settings” from your device’s home screen; select “Privacy”; select “Location Services”; select “System Services”; and de-select “Location-Based Apple Ads.” For Android mobile devices, go to “Google Settings” on your device; select “Ads”; and check the box labelled “Opt Out of Interest-Based Ads.” 

Please note that when you opt out of personalized advertising, you may continue to see online advertising on the MAARIBA Platform and/or our ads on other Internet websites. 

We may anonymize or aggregate data collected through the MAARIBA Platform and use it for any authorized purpose. 

7.Use of Your Profile Pictures and Other Job-related Pictures 
“Photos” is defined as any photograph(s), image(s), or graphic(s) that we obtain from Users through the MAARIBA Platform, including those uploaded by you or other Users, such as profile pictures and service-related job photos  

Unless we expressly obtain your individual permission, MAARIBA will only use your Photos specifically for MAARIBA-platform related purposes, such as showing job-related pictures as well as marketing, advertising, and other related purposes. MAARIBA enables Users to post job-related pictures, including “before” and “after” job pictures, to third-party websites and apps. MAARIBA will not share your Photos with other third parties for their direct marketing purposes. 

8.Disclosure of Information to Others 
When you use our Platform, our third-party partners, such as ad networks and analytics providers, use tracking technologies to collect information about how the Platform is used and about the devices used to access the MAARIBA Platform. Our partners also may collect information about your online activities over time and on other websites or apps. When our third-party partners provide such features, they are governed by the privacy policies of their governing organizations. You may be able to change browser or app settings to block and delete these technologies when you access the MAARIBA Platform, but that might interfere with the MAARIBA Platform’s proper functioning. 

To operate the MAARIBA Platform, including processing your transactions and supporting your activities on the MAARIBA Platform, we may share your Personal Information with vendors, agents, and third-party service providers in exchange for their support services like email origination, receipt/support services, and other user relationship management services. 

We may allow access to other data collected by our Platform to enable the delivery of our online advertising on the MAARIBA Platform and on other websites and online services, or to send you information we think may be useful or relevant to you. The following are examples of how we share your information with third-party service providers. 

Data Analytics: We retain third-party service providers to help us perform data analytics regarding your interactions with the MAARIBA Platform. For example, we use Google Analytics Service for purposes of analyzing usage of the MAARIBA Platform. You can find information about Google's privacy practice at https://www.google.com/policies/privacy/partners. 
Payment Processing: We useHubtel and Nsano to process any billing information between Users and between Users and us, including credit card information Users submit. You can find information about Hubtel here https://hubtel.com/legal/privacy-policy/  and Nsano at https://www.nsano.com
Platform Features: We useHubtel and Nsano for registration of new Users to make sure your contact information is accurate and that every new user account in our system is an actual person we can serve. We also use Hubtel and Nsano to mask your telephone number when you call or text (SMS) message another User using the telephone number provided by MAARIBA through the App. You can find information about Hubtel and Nsano at https://hubtel.com/legal/privacy-policy/  and https://www.nsano.com. We also use the Google Maps service, and you agree to the Google Maps/Google Earth Additional Terms of Service located at https://maps.google.com/help/terms_maps.html and Google's privacy policy located at http://www.google.com/policies/privacy.  
Other Users: When you agree to provide Services as a Provider (“Maara”), we will display certain information about you to the Customer who requested the work, including your name, photograph, geo-location, contact information and rating. When you submit a Service request as a Customer, we will display certain information about you to Providers, including your name, address, photograph (if any), rating, phone number and photographs of the job site. 
Social Networking and Other Websites: The MAARIBA Platform may allow you to share information, including Personal Information, with social networking websites, such as Facebook, Google, etc. We do not share your Personal Information with them unless you specifically authorize it. If you choose to log in to the MAARIBA Platform through social networking websites, we may share information about your account with the social networking site. Their use of the information will be governed by their privacy policies, and you may be able to modify your privacy settings on their websites. 
Legal and Similar Disclosures: We may access, preserve, and disclose collected information, if we believe doing so is required or appropriate in the following situations: to comply with law enforcement requests and legal process, such as a court order or subpoena; to respond to your requests; or to protect your, our, or others' rights, property, or safety. We may also disclose your Personal Information as part of a dispute among Users or between Users and MAARIBA as well as to an attorney in the process of obtaining legal advice. 
Merger, Sale, or Other Asset Transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of MAARIBA assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction as permitted by law and/or contract. We cannot control how such entities may use or disclose such information. 
With Your Permission: We may also disclose your Personal Information with your permission as set forth herein. 

9. Information Collected by Cookies and Other Technologies 
Like most online services and mobile applications, we and our third-party service providers may use cookies, web beacons, and similar tracking technologies to collect information about your activity from the computer or devices you use to access the MAARIBA Platform.

Any third party with whom we are allowed to share your Personal Information is authorized to use your Personal Information in accordance with our contractual arrangements with such third parties and in accordance with their own privacy policies, over which we have no control. You agree that we are not responsible or liable for any of their actions or omissions. Those who contact you will need to be instructed directly by you regarding your preferences for the use of your Personal Information by them. 

10.How to Edit Your Personal Information 
MAARIBA provides you with the ability to access and edit your Personal Information: Sign into the app or Maariba Account, access the Settings menu, and then view and update/correct your account information. To be able to protect the integrity of sensitive data, there are certain pieces of information, such as your age, that you cannot alter yourself. Please contact us at support@maariba.com to change information you cannot access through your account. 

11.Information Retention 
To preserve the integrity of our databases, expect standard procedure calls from us to retain information submitted by members for an indefinite length of time. You agree that we may store the information we collect for this indefinite length of time. 

12.Where and for what period we store your data? 
Data that we collect about you will be stored and processed on properly secured servers, in order to provide our users with the highest quality services, e.g. fast websites or constantly developing mobile applications.

We store your data for as long as it is necessary to achieve the purposes for which it was collected, including as part of fulfilling legal obligations, tax and accounting or for reporting purposes.

In order to determine the appropriate retention period for personal data, we consider the amount and nature of the data being processed, including the nature of the particular category data. We also consider the potential risk of unauthorized use or unauthorized disclosure of your personal data, the possibility of meeting the purposes of processing by other means and the content of provisions relating to the personal data being processed.

We store your personal data related to the MAARIBA account for the duration of its possession on the Platform for the purpose of providing services provided in accordance with the Regulations, as well as for marketing purposes.

After closing your account, we may store your personal data to the extent and for a period of time that is necessary to fulfil your legal obligations or our legitimate interests (e.g. for the purpose of combating fraud).

If you have any questions regarding the retention periods of your data, please contact us at info@maariba.com.

13.Technical and organizational measures as well as processing security
All information we receive about you is stored on properly secured servers. We have also implemented appropriate and necessary technical and organizational measures to protect your data. MAARIBA constantly assesses the level of security within its network and monitors internal regulations and procedures designed to (a) protect data against accidental or unlawful loss, access or disclosure, (b) identify foreseeable risks to the security of the MAARIBA network, and (c) minimize security risks, including through risk assessment and regular testing. In addition, we ensure that all payment-related data is encrypted using SSL technology.

Remember that, despite the measures we have implemented to protect your personal information, sharing information via the Internet or publicly available networks is never completely secure and there is a risk that access to your personal data will be obtained by unauthorized third parties.

Your MAARIBA profile is password-protected so that only you and authorized MAARIBA employees have access to your account information. In order to maintain this protection, do not give your password to anyone. 

14. Do we collect data from children? 
Our Services are not directed to Minors and we do not consciously acquire information about them. If we find that a person under legal adult Age has provided us with personal information, we will delete it immediately. If you are a parent and believe that your child (Minor) has used the MAARIBA Platform and provided personal identifiable information to us through the MAARIBA Platform, please contact us at info@maariba.com so we can delete that account and/or any Personal Information collected from them on the MAARIBA Platform. 

15.Links to Third-Party Websites and Online Services 
This Policy applies solely to information collected by the MAARIBA Platform. The MAARIBA Platform may contain links to other websites, charitable organizations, or online services; and we, of course, are not responsible for other websites’ privacy practices. We advise Users upon leaving the MAARIBA Platform to carefully review the privacy statements of any website that collects personally identifiable information.  

16.Prohibited Services
16.1.It is forbidden to post Queries or a Profile containing:

  • content advertising websites or services competing with MAARIBA Limited.
  • encouragement to cooperate in creating the so-called chains or financial pyramids,
  • content that violates the rights of third parties, in particular including personal data, contact details and correspondence or the content of telephone conversations without the consent of the persons concerned,
  • words, phrases or phrases, offensive, vulgar or violating generally accepted moral norms, contrary to the principles of social coexistence or good manners,
  • statements threatening the violation or violating applicable law or third-party rights, in particular copyrights and other intellectual property rights, personal rights, as well as the interests of the Operator or entities cooperating with it, constituting acts of unfair competition.

16.2.It is forbidden to post Queries or Offers containing:

  • content constituting acts of unfair competition,
  • propositions of a social nature
  • Private opinions of the Contractor regarding the Service or the Contracting Party,
  • words, phrases or phrases that have been used in violation of moral norms,
  • content that threatens to violate or violate the law, including personal rights
  • content not directly related to the service offered,
  • offers to buy, receive, sell and exchange items free of charge (does not apply to wholesale purchases of one type of items),
  • any competitions and promotional campaigns, in particular, those requiring the participants to bear certain costs,
  • suggestions for performing activities prohibited by law.

16.3.It is forbidden to use mechanisms that may disturb other Users using our Platform, in particular, it is forbidden to:

  • loading and embedding websites or profiles in the Query or Profiles that are not directly related to the subject of the service;
  • automatic redirection to another website when displaying the Query or Profile description;
  • dangerous for Users or functioning of the Platform reading or generating "cookies";
  • automatic opening of browser windows or dialogs when the Query or Profile is displayed or when you attempt to leave it;
  • moving, blocking, covering or mirroring permanent elements of each page containing the description of the Inquiry or Profile;
  • interfering with and manipulating the process of submitting Offers by Users;
  • remote installation of other computer programs on computers without their knowledge and consent;
  • actions that mislead other Users.

17.Ownership, Intellectual Property, Copyright and Trademark Infringement
We reserve all rights not expressly granted to you in these General Terms. We own all rights, title, interest, copyright and other worldwide Intellectual Property Rights (as defined below) in the Services and all copies of the Services. These General Terms do not grant you any rights to our trademarks or service marks. For the purposes of these General Terms, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights, and other intellectual property rights that may exist now or come into existence in the future, and all of their applications, registrations, renewals and extensions, under the laws of Ghana, country, territory or other jurisdiction.

18.Payment and Fees
MAARIBA may offer services to be paid for on a recurring basis (“Subscription Services”) and or on an as-used basis (”customised” and, together with the “Subscription Services”, Paid Services). MAARIBA has the right to change, delete, discontinue or impose conditions on Paid Services or any feature or aspect of a Paid Service. Subscription Services may subject you to recurring fees and/or terms. By signing up for a Subscription Service, including after any free trial period, you agree to pay us the subscription fee and any applicable taxes and commissions as set forth in your MAARIBA Account settings or as otherwise agreed in writing (“Subscription Fee”). A customised Services may subject you to fees charged per usage and/or terms. By using a customised Service, you agree to pay the fees and any taxes incurred at the time of usage (“Customised Fees” and, together with Subscription Fees, the “Paid Service Fees”).

Paid Service Fees may be paid by debit card, credit card, mobile money, or deducted from your transaction proceeds. If you link a debit, credit card or mobile money wallet to your account, you authorize us to collect Service Fees by debit from your linked debit card or charge to your linked credit card or mobile money wallet. Regardless of payment channel, we reserve the right to collect Paid Service Fees by deduction from your transaction proceeds or Account or your linked bank account.

Customer must pay the Fees as set out, without set-off, abatement or deduction, and in accordance with this term. The Fees will be set out in the Order and may include a Subscription Fee and a Services Fee as set forth per our pricing page on our website or FAQs. All Fees are charged at the time we process a transaction. Subject to the General Terms, we reserve the right to change our Fees upon thirty (30) days’ advance notice. You must agree to the change in Fees to continue to use the Payment Services. All Balances and all Fees, charges, and payments collected or paid through the Payment Services are denominated in Ghana cedis (GHS).

19.Arbitration
This Agreement shall be governed by, construed and interpreted in accordance with the laws of the Republic of Ghana. Any dispute or difference whatsoever between the parties which may arise out of or in connection with this Agreement shall be referred to arbitration and determined under appropriate statutory laws or regulations. The Arbitration shall be held in such place and at such time as the arbitrator or empire may direct

20.Governing Law
This General Terms and any Dispute shall be governed by, construed and interpreted in accordance with the laws of the Republic of Ghana.

21.No Warranties
As a service provider (“Maara”) in our database, we do not guarantee you as an employee or representation of MAARIBA Ltd in your business duties.  You shall therefore not hold yourself as an employee or representative of MAARIBA.

Services providers hold Maariba harmless against all losses, liabilities, costs, expenses, fines, penalties, damages and claims of whatsoever nature suffered or sustained from and in pursuance of their professional duties. Thus, in no event shall either of MAARIBA or its processors (and its respective employees, directors, agents, affiliates and representatives) be liable for any indirect, incidental, special, or consequential damages or losses (whether foreseeable or unforeseeable) of any kind (including, without limitation, loss of profits or loss of goodwill) arising from the service providers’ performance of their professional duties.

MAARIBA DOES NOT WARRANT OR GUARANTEE THAT OUR SERVICES MATCHES ARE ACCURATE, RELIABLE OR CORRECT; THAT OUR SERVICES PROVIDERS WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, WITHOUT DEFECT OR SECURE; OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED. MAARIBA does not warrant, endorse, guarantee, or assume responsibility for any product or services advertised or offered by a third party.

22. How will we inform you about Privacy Policy Changes?
Privacy Policy may be changed or updated by us. All changes will be posted on this page, and we will also inform you about them via email or our Platform. If you do not agree to the changes we have made, you can close your account by going into its settings and selecting the option to close your account.

23.Contacting MAARIBA 
If you have any questions about this Policy, the practices of MAARIBA, or your dealings with MAARIBA, you may contact us by email at info@maariba.com or by mail at MAARIBA Ltd, P.O. Box LG 726, Legon, Accra – Ghana.