Terms and privacy

These terms are an agreement between you and Arva (“Arva”, “we”) for using the Arva website and assistant. By creating an account you agree to them.

Your account

• You must be 18 or older and give true details when you sign up.
• Keep your password safe and turn on two-step login. You are responsible for what happens in your account.
• Tell us straight away if you think someone else has used your account. You can sign out of every device in Settings.

What Arva does

Arva is an assistant you chat with. It records what you tell it (for example spending, budgets, money in and debts), shows you summaries, and can act in partner apps you choose to connect.

• Arva uses AI. Replies can be wrong, so check figures and decisions that matter.
• Arva is not a bank, a lender or a financial adviser. It does not hold, move or lend your money; it only keeps the records you give it.
• Converted amounts between currencies use public exchange rates and are approximate.
• Partner apps are run by their own owners under their own terms. Disconnecting one stops Arva using it.

Fair use

• Each plan has daily limits. When you reach one, you can wait for the next day or upgrade.
• Do not use Arva to break the law, harm others, send spam, or try to get around limits, security or other people’s data.
• We may suspend an account that breaks these terms or puts the service or other users at risk.

Plans and payment

• Paid plans are billed through Paystack in Ghana cedis. Card plans renew every month until cancelled. Mobile money plans cover 30 days and do not renew by themselves.
• Cancelling stops future payments. You keep your plan until the end of the period you paid for, then your account moves to the Free plan.
• We may change prices. We will tell you before a new price applies to you, and you can cancel before it does.
• Payments are not refundable except as set out under Refunds.

Changes and ending

We may update Arva and these terms. If a change matters, we will tell you in the app or by email before it applies. You can stop using Arva and ask us to close your account at any time.

Liability

Arva is provided as it is. As far as the law allows, we are not liable for indirect losses, or for decisions made from Arva’s replies, and our total liability is limited to what you paid us in the 3 months before the claim.

Law

These terms are governed by the laws of Ghana.

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