TERMS OF USE / SERVICE
Effective Date: September 1, 2025
1. Introduction
These Terms of Use / Service ("Terms") govern your access to and use of https://www.cscapital-group.com ("Website") operated by Cornerstone Capital Advisors Ltd ("we," "us," or "our"), a fund manager licensed by the Securities and Exchange Commission (SEC) of Ghana as well as a licensed pensions fund manager by the National Pensions Regulatory Authority (NPRA). By accessing or using the Website, registering an account, or engaging with our services (collectively, "Services"), you agree to be bound by these Terms, our Privacy Policy, and Cookie Policy. If you do not agree, you must not use the Website or Services.
These Terms form a legally binding agreement between you ("you" or "User") and us. We may update these Terms at any time, and continued use constitutes acceptance of changes. Significant updates will be notified via email or on the Website.
As an SEC-licensed entity, our Services comply with the Securities Industry Act, 2016 (Act 929), Capital Market Regulations, and other applicable Ghanaian laws. These Terms do not constitute investment advice; consult a qualified professional for personalized guidance.
2. Eligibility
You must be at least 18 years old and legally capable of entering into contracts under Ghanaian law to use the Website or Services. By using the Website, you represent that you meet these requirements. We reserve the right to refuse or terminate access if you do not comply.
If accessing on behalf of an entity, you warrant that you are authorized to bind that entity to these Terms.
3. Description of Services
Our Website provides information on fund management, investment opportunities, client portals, and related tools. Services may include:
- Account management for investments.
- Access to market insights, reports, and educational content.
- Online applications for fund participation.
- Communication channels for inquiries.
Services are provided "as is" and subject to availability. We do not guarantee uninterrupted access or error-free operation. Investments involve risks, including loss of principal; past performance is not indicative of future results. We comply with SEC disclosure requirements but make no warranties on investment outcomes.
4. Account Registration and Security
To access certain Services, you may need to create an account. You agree to:
- Provide accurate, complete, and current information during registration.
- Maintain the confidentiality of your login credentials.
- Notify us immediately of any unauthorized access.
- Be responsible for all activities under your account.
We may suspend or terminate accounts for violations of these Terms or suspicious activity, in line with SEC anti-fraud measures.
5. User Conduct and Prohibitions
You agree to use the Website and Services lawfully and ethically. Prohibited actions include:
- Violating any Ghanaian laws, including the DPA, SEC regulations, or anti-money laundering laws.
- Posting harmful, defamatory, or illegal content.
- Interfering with the Website's operation (e.g., hacking, viruses).
- Impersonating others or providing false information.
- Using automated tools to scrape data without permission.
- Engaging in unauthorized commercial activities.
You must comply with KYC requirements and provide truthful financial information. Violations may result in account termination and reporting to authorities.
6. Intellectual Property
All content on the Website (e.g., text, logos, reports, media, etc) is owned by us or our licensors and protected by Ghanaian copyright laws (Copyright Act, 2005 (Act 690)) and international treaties. You are granted a limited, non-exclusive license to access and use the content for personal, non-commercial purposes. You may not reproduce, distribute, or modify content without written permission.
User-generated content (e.g., feedback) grants us a perpetual, royalty-free license to use it for business purposes.
7. Disclaimers and Limitations of Liability
The Website and Services are provided "as is" without warranties, express or implied, including accuracy, fitness for purpose, or non-infringement. We disclaim liability for:
- Errors, omissions, or inaccuracies in content.
- Investment losses or financial decisions based on our information.
- Third-party links or services.
- Interruptions due to technical issues or force majeure.
To the extent permitted by Ghanaian law (e.g., Consumer Protection Act), our liability is limited to direct damages not exceeding the fees paid by you in the preceding 12 months. We are not liable for indirect, consequential, or punitive damages.
8. Indemnification
You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your breach of these Terms, misuse of Services, or violation of laws.
9. Termination
We may terminate or suspend your access at any time for violations, regulatory reasons, or inactivity. Upon termination, your rights to use the Services cease, but obligations (e.g., indemnity) survive.
You may terminate by closing your account and ceasing use.
10. Governing Law and Dispute Resolution
These Terms are governed by the laws of Ghana. Disputes shall be resolved amicably first. If unresolved, they will be submitted to arbitration under the Alternative Dispute Resolution Act, 2010 (Act 798), or the courts of Ghana with jurisdiction in Accra.
11. Changes to Terms
We may amend these Terms to reflect legal changes or service updates. Changes are effective upon posting. Review periodically.
12. Miscellaneous
- Severability: Invalid provisions do not affect the rest.
- No Waiver: Failure to enforce a right does not waive it.
- Assignment: We may assign these Terms; you may not without consent.
- Entire Agreement: These Terms, Privacy Policy, and Cookie Policy constitute the full agreement.
13. Contact Information
For questions:
- Address: 34 Samora Machel Road, Asylum Down, Accra - Ghana
- Email: info@cscapital-group.com
- Phone: +233 302 264 453