📜 Terms of Service

Last updated: January 2025

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1. Agreement to Terms

By accessing and using MOBOT AI services provided by MOBOT INNOVATION ENTERPRISE (BN330881025) ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

Company Information

🏢 MOBOT INNOVATION ENTERPRISE

  • Registration Number: BN330881025
  • Registration Authority: The Registration of Business in Ghana ACT
  • Country of Registration: Ghana
  • Business Status: Officially Registered Entity
  • Business Address: Accra, Ghana
  • Contact: Available through WhatsApp and our website

✅ This is a legally registered business entity in Ghana with full regulatory compliance.

Company Information

🏢 MOBOT INNOVATION ENTERPRISE

  • Registration Number: BN330881025
  • Registration Authority: The Registration of Business in Ghana ACT
  • Country of Registration: Ghana
  • Business Status: Officially Registered Entity
  • Business Address: Accra, Ghana
  • Contact: Available through WhatsApp and our website

✅ This is a legally registered business entity in Ghana with full regulatory compliance.

2. Description of Services

MOBOT AI provides AI-powered financial services through WhatsApp and other digital platforms, including:

2.1 Core Banking Services

2.2 Additional Features

2.3 AI Assistance (MOBOT Custom AI Model)

Our services use our custom-trained AI model, specifically designed for Ghana's financial ecosystem. This proprietary model, trained on 67,687+ Ghana financial conversations, provides:

AI is used to help interpret requests, generate responses, and trigger permitted actions under your control. You remain responsible for reviewing actions before completion, and we implement safeguards to minimize errors or misuse.

3. Eligibility Requirements

To use MOBOT AI services, you must meet the following requirements:

⚠️ Important Notice

We reserve the right to verify your eligibility at any time and may suspend or terminate services if eligibility requirements are not met or if false information is provided.

4. Account Registration and Verification

4.1 Registration Process

To create an account, you must:

4.2 Account Verification

We may require additional verification including:

5. Fees and Charges

Our fee structure is designed to be transparent and competitive:

Service Fee Notes
Account Opening FREE No charges for account creation
P2P Transfers 0.5% Minimum GHS 0.50, Maximum GHS 10
Bill Payments GHS 1.00 Flat fee per transaction
Airtime Purchase FREE No additional charges
Data Bundle Purchase FREE No additional charges
Merchant Payments 0.3% Charged to merchant, not customer
Savings Account FREE Earn up to 8% annual interest

Note: Fees are subject to change with 30 days' notice. Current fees will always be displayed before transaction confirmation.

6. User Responsibilities

6.1 Account Security

6.2 Lawful Use

6.3 Information Accuracy

7. Transaction Limits

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We maintain transaction limits for security and regulatory compliance:

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7.1 Daily Limits by Account Type

- - -

7.2 Monthly Limits

- - -

Limits may be increased upon request and additional verification.

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We apply transaction limits for security and regulatory compliance. All users are subject to the same limits (no account tiers apply):

+ +

7.1 Daily Limit

+ + +

7.2 Monthly Limit

+ + +

Limits may be increased upon request and additional verification.

8. Prohibited Activities

The following activities are strictly prohibited:

9. Service Availability

9.1 Uptime

We strive to maintain 99.9% service availability but cannot guarantee uninterrupted service due to:

9.2 Service Modifications

We reserve the right to modify, suspend, or discontinue services with reasonable notice.

10. Liability and Disclaimers

10.1 Service Disclaimer

MOBOT AI services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

10.2 Limitation of Liability

MOBOT INNOVATION ENTERPRISE (BN330881025) shall not be liable for:

10.3 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, network failures, or other force majeure events.

11. Account Suspension and Termination

11.1 Suspension Reasons

We may suspend your account for:

11.2 Termination

Either party may terminate the agreement with 30 days' notice. Upon termination, you remain liable for all outstanding obligations.

12. Dispute Resolution

12.1 Internal Resolution

We encourage resolving disputes through our customer support channels first.

12.2 Mediation and Arbitration

Unresolved disputes shall be settled through mediation or arbitration in accordance with Ghana's Alternative Dispute Resolution Act.

12.3 Governing Law

These Terms are governed by the laws of Ghana. Any legal proceedings shall be conducted in the courts of Ghana.

13. Regulatory Compliance

MOBOT AI operates under the supervision of:

14. Changes to Terms

We may update these Terms periodically. Significant changes will be communicated through:

Continued use of services after changes constitutes acceptance of new Terms.

15. Contact Information

For Questions or Disputes

General Inquiries:

Support & Complaints:

Legal Department: legal@chatmobot.com

Address: MOBOT INNOVATION ENTERPRISE (BN330881025), Accra, Ghana

Effective Date: These Terms of Service are effective as of January 1, 2025.

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