Terms of Use

1. Zero Tolerance for Objectionable Content and Abusive Users

Cassvo has zero tolerance for objectionable content and for abusive users.

You agree that you will not post, upload, submit, or transmit any content that:

• is offensive, obscene, pornographic, vulgar, or sexually explicit;
• is abusive, harassing, threatening, bullying, or intimidating toward any person;
• is hateful, or discriminatory or demeaning on the basis of race, ethnicity, national origin, religion, gender, gender identity, sexual orientation, disability, age, marital status, or any other protected characteristic;
• is defamatory, libellous, or knowingly false;
• depicts, encourages, or facilitates violence, self-harm, or illegal activity;
• infringes the intellectual property, privacy, or other rights of any person;
• discloses another person's private or identifying information without their consent;
• is spam, fraudulent, deceptive, or posted for the purpose of manipulating ratings;
• contains malware or malicious code.

We act on every report within 24 hours. Where content violates these Terms, we remove it. Where a user posts such content, we suspend or permanently terminate that user's account and may prevent them from creating a new one. We may take these actions without prior notice and at our sole discretion.

2. Content Moderation

Every review submitted to Cassvo is placed into a moderation queue and is not published to any public business listing until it has been reviewed and approved by our team. We screen submissions for the prohibited content described in Section 1.

We may also remove or refuse to publish any content at any time after publication if we determine it violates these Terms.

3. Reporting and Blocking

The Service provides tools that let you act on content and users you find objectionable:

• Report content. Every review displays a menu (the "⋮" icon) containing Report this review. Reports go directly to our moderation team, who act on them within 24 hours.
• Block users. The same menu contains Block this user. Blocking immediately removes all of that user's content from your view across the Service, and simultaneously notifies our moderation team of the content that prompted the block so that we can review the user's conduct. You can view and manage blocked users at Profile → Settings → Privacy → Blocked Users.

If you believe content on the Service is unlawful or presents a risk of harm, please also contact us directly at support@cassvo.com.

4. Eligibility and Accounts

You must be at least 13 years old to create a Cassvo account. By creating an account you represent that you meet this requirement and that the information you provide is accurate and kept up to date.

You may browse the Service as a guest without an account. An account is required to submit reviews, save businesses, create collections, report content, or block users.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately at support@cassvo.com if you suspect unauthorised use.

You may delete your account at any time from Profile → Settings → Delete Account. Deletion is described in our Privacy Policy.

5. Your Content and the Rights You Grant Us

You retain ownership of the reviews, ratings, photographs, collections, and other content you submit ("Your Content").

By submitting Your Content, you grant Cassvo a worldwide, non-exclusive, royalty-free, transferable, sub-licensable licence to host, store, reproduce, adapt, publish, publicly display, and distribute Your Content for the purpose of operating, promoting, and improving the Service. This licence ends when you delete Your Content or your account, except where the content has been shared with others who have not deleted it, or where we must retain it to comply with law.

You represent and warrant that you own or have the necessary rights to Your Content, that it does not violate Section 1, and that any review you post reflects your own genuine, first-hand experience.

6. Review Integrity

Reviews on Cassvo must be honest and based on personal experience. You must not:

• post a review of a business you have not personally used;
• post a positive review of a business you own, work for, or are affiliated with;
• post a negative review of a competitor;
• accept or offer payment or other incentives in exchange for a review;
• create multiple accounts to influence a rating.

We remove reviews that breach this section and may terminate accounts responsible for them.

7. Business Listings

Cassvo publishes a directory of businesses operating in Ghana. Listings are compiled from information believed to be publicly available and from information supplied to us.

• A listing does not imply that Cassvo endorses, verifies, or has any relationship with that business.
• We do not guarantee that listing details (address, contact information, opening hours, or descriptions) are accurate, complete, or current.
• Ratings reflect the opinions of individual users, not the opinion of Cassvo.

If you are the owner or an authorised representative of a listed business and wish to correct, update, claim, or request removal of your listing, contact support@cassvo.com and we will respond promptly.

8. Acceptable Use

You agree not to:

• use the Service for any unlawful purpose or in breach of these Terms;
• scrape, harvest, or systematically extract data or content from the Service, or use automated means to access it, without our written permission;
• collect other users' personal information, or create accounts by automated means or under false pretences;
• interfere with, disable, or circumvent any security or access-control feature of the Service;
• reverse engineer, decompile, or attempt to derive the source code of the app, except to the extent this restriction is prohibited by law;
• impersonate any person or misrepresent your affiliation with any person or entity;
• use the Service in a way that imposes an unreasonable load on our infrastructure.

9. Intellectual Property

The Service — including its software, design, text, graphics, and the Cassvo name and logo — is owned by or licensed to Cassvo and is protected by intellectual property law. Except for Your Content, nothing in these Terms transfers any ownership right to you. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the app for its intended purpose.

10. Third-Party Services and Links

The Service may link to third-party websites and applications — for example, opening a business's website in your browser, or opening directions in Google Maps. We do not control and are not responsible for third-party services, their content, or their privacy practices. Your use of them is governed by their own terms.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

We do not warrant that the Service will be uninterrupted, secure, or error-free, or that any content — including business listings and user reviews — is accurate or reliable. Any decision you make in reliance on the Service, including a decision to visit or transact with a business, is made at your own risk. Cassvo is not a party to any dealing between you and a business listed on the Service.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CASSVO AND ITS DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) GHS 500.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

13. Indemnity

You agree to indemnify and hold harmless Cassvo and its directors, employees, and agents from any claim, demand, loss, liability, or expense (including reasonable legal fees) arising from Your Content, your use of the Service, or your breach of these Terms or of any law or third-party right.

14. Suspension and Termination

We may suspend or terminate your access to the Service at any time, with or without notice, if you breach these Terms — and we will do so where you post content prohibited by Section 1. You may stop using the Service and delete your account at any time.

Sections 5, 9, 11, 12, 13, and 16 survive termination.

15. Changes to the Service and to These Terms

We may modify, suspend, or discontinue any part of the Service at any time. We may also update these Terms; when we do, we will change the "Last updated" date above and, where the change is material, provide additional notice in the app or by email. Continuing to use the Service after a change takes effect means you accept the revised Terms.

16. Governing Law and Disputes

These Terms are governed by the laws of the Republic of Ghana. You and Cassvo submit to the exclusive jurisdiction of the courts of Ghana in respect of any dispute arising out of or in connection with these Terms.

17. Apple App Store — Additional Terms

The following applies where you obtained the app from the Apple App Store:

• These Terms are between you and Cassvo only, not with Apple. Cassvo, not Apple, is solely responsible for the app and its content.
• Apple has no obligation to provide any maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
• Cassvo, not Apple, is responsible for addressing any claim relating to the app, including product liability claims, claims that the app fails to conform to a legal requirement, and claims arising under consumer protection or privacy law.
• Cassvo, not Apple, is responsible for investigating and resolving any third-party claim that the app infringes intellectual property rights.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.

18. General

If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the Privacy Policy, are the entire agreement between you and Cassvo regarding the Service.

19. Contact

Cassvo Limited Liability Company
Email: support@cassvo.com
Phone: +233 55 371 4802
Web: https://www.cassvo.com

For content reports and moderation matters, email support@cassvo.com — we respond within 24 hours.