Please read these terms and conditions carefully
When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by Care Now Pay Later (CNPL) from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.
These terms and conditions only cover your use of the site. Our products have their own terms and conditions, and you should read those if you are interested in any product. If the product terms and conditions are different from the site terms it is the product ones that apply.
Use of this website
The information on this site is written for Ghana residents.
Copyright and trade marks
CNPL does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use, but not for any other purpose, nor do you have the right to alter anything.
The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to, CNPL and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.
Availability
We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.
Viruses
Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.
Offer and advice
The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.
Linking
Websites to which this website is linked have not been reviewed by CNPL. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.
Disclaimer
This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos and information about CNPL and on the products and services it provides (the ‘information’).
The website and information is provided ‘as is’ and on an ‘as available’ basis only, and CNPL does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information.
No responsibility is accepted by or on behalf of CNPL for any errors, omissions, or inaccuracies in the information on the website
Although CNPL attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.
Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of CNPL, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards our customers under the regulatory system.
Data protection
When you use this website and/or if you apply for products or services on our website, we will obtain some of your personal information; please refer to our privacy policy to understand how we will process, use and store your personal information.
Applicable law and jurisdiction
Use of this website and these terms and conditions are subject to the laws of the Republic of Ghana and the jurisdiction of the Ghanaian Courts. By using this website you irrevocably submit to the jurisdiction of the Ghanaian Courts.
About us
DM is a trading name of SM Financial Limited. SM Financial Limited is a wholly owned subsidiary of The DCANS Group.
If you have a complaint about any aspect of our services please contact us on: This email address is being protected from spambots. You need JavaScript enabled to view it.