TERMS OF SERVICE

TERMS OF SERVICE   Last updated: 12/01/2023  
  • Introduction
Welcome to Level Africa Inc (“Company”, “we”, “our”, “us”)! As you have just clicked our Terms of Service, please pause, grab a cup of coffee and carefully read the following pages. It will take you approximately 20 minutes.   These Terms of Service (“Terms”, “Terms of Service”) govern your use of our web pages located at www.level.africa and our mobile application Level (together or individually “Service”) operated by Level Africa Inc   Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages. Please read it here www.level.africa/privacy.   Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound of them.   If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at support@level.africa so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.   Thank you for being responsible.  
  • Communications
By creating an Account on our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or by emailing at.  
  • Purchases
If you wish to purchase any product or service made available through Service (“Purchase”), you may be asked to supply certain information relevant to your Purchase including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and your shipping information.   You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct and complete.   We may employ the use of third party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.   We reserve the right to refuse or cancel your order at any time for reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.   We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.   
  • Subscriptions
Some parts of Service are billed on a subscription basis (“Subscription(s)”). You will be billed in advance on a recurring and periodic basis (“Billing Cycle”). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.   At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Level Africa Inc cancels it. You may cancel your Subscription renewal either through your online account management page or by contacting Level Africa Inc customer support team.   A valid payment method, including credit card or PayPal, is required to process the payment for your subscription. You shall provide Level Africa Inc with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information. By submitting such payment information, you automatically authorize Level Africa Inc to charge all Subscription fees incurred through your account to any such payment instruments.   Should automatic billing fail to occur for any reason, Level Africa Inc will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.  
  • Fee Changes
Level Africa Inc, in its sole discretion and at any time, may modify Subscription fees for the Subscriptions. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.   Level Africa Inc will provide you with a reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.   Your continued use of Service after Subscription fee change comes into effect constitutes your agreement to pay the modified Subscription fee amount.  
  • Refunds
Except when required by law, paid Subscription fees are non-refundable.  
  • Content
Content found on or through this Service are the property of Level Africa Inc or used with permission. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us.  
  • Prohibited Uses
You may use Service only for lawful purposes and in accordance with Terms. You agree not to use Service:  
  1. In any way that violates any applicable national or international law or regulation.
 
  1. For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
 
  1. To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.
 
  1. To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.
 
  1. In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
 
  1. To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.
  Additionally, you agree not to:  
  1. Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party’s use of Service, including their ability to engage in real time activities through Service.
 
  1. Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.
 
  1. Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.
 
  1. Use any device, software, or routine that interferes with the proper working of Service.
 
  1. Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
 
  1. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.
 
  1. Attack Service via a denial-of-service attack or a distributed denial-of-service attack.
 
  1. Take any action that may damage or falsify Company rating.
 
  1. Otherwise attempt to interfere with the proper working of Service.
 
  • Analytics
  We may use third-party Service Providers to monitor and analyze the use of our Service.   Google Analytics Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.   For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en   We also encourage you to review the Google’s policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.   Firebase Firebase is analytics service provided by Google Inc.   You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy?hl=en   For more information on what type of information Firebase collects, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en   Mixpanel Mixpanel is provided by Mixpanel Inc.   You can prevent Mixpanel from using your information for analytics purposes by opting-out. To opt-out of Mixpanel service, please visit this page: https://mixpanel.com/optout/   For more information on what type of information Mixpanel collects, please visit the Terms of Use page of Mixpanel: https://mixpanel.com/terms/  
  • No Use By Minors
Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of Company, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of Service.  
  • Accounts
When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on Service.   You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.   You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.   We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.  
  • Intellectual Property
Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Level Africa Inc and its licensors. Service is protected by copyright, trademark, and other laws of the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Level Africa Inc.  
  • Error Reporting and Feedback
You may provide us either directly at support@level.africa or via third-party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“Feedback”). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Company may have development ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.   The third party sites and tools mentioned above include the following:   Bugsnag Bugsnag is a platform for monitoring and logging stability of applications provided by Bugsnag Inc. Please read their Privacy Policy here: https://docs.bugsnag.com/legal/privacy-policy/    ACRA ACRA or Application Crash Reports for Android is monitoring platform. Please find more information here: https://github.com/ACRA/acra    Sentry Sentry is an open-source error tracking solution provided by Functional Software Inc. More information is available here: https://sentry.io/privacy/    Firebase Crashlytics Firebase Crashlytics is bug reporting service provided by Google Inc.   You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy?hl=en   For more information on what type of information Firebase collects, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en  
  • Links To Other Web Sites
Our Service may contain links to third party websites or services that are not owned or controlled by Level Africa Inc   Level Africa Inc has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party websites or services. We do not warrant the offerings of any of these entities/individuals or their websites.   YOU ACKNOWLEDGE AND AGREE THAT LEVEL AFRICA INC SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.   WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD PARTY WEBSITES OR SERVICES THAT YOU VISIT.  
  • Termination
We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.   If you wish to terminate your account, you may simply discontinue using Service.   All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.  
  • Governing Law
These Terms shall be governed and construed in accordance with the laws of State of Delaware without regard to its conflict of law provisions.   Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.  
  • Changes To Service
We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.  
  • Amendments To Terms
We may amend Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically.   Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.   By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.  
  • Waiver And Severability
No waiver by Company of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Company to assert a right or provision under Terms shall not constitute a waiver of such right or provision.   If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.  
  • Acknowledgement
BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.  
  • Contact Us
Please send your feedback, comments, and requests for technical support: By email: support@level.africa. By visiting this page on our website: www.level.africa/contact.

Still have questtions? 

“We are committed to empowering individuals from all walks of life to invest with confidence, driving financial inclusion and prosperity across the continent.”

Level Africa is a financial technology company and is not a bank. © 2024  Level. All Rights Reserved.