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Terms of Use

Pan-African SL wishes to draw users’ attention to the following terms and conditions of use of this website. In consideration for accessing this website, the user agrees to be bound by the terms and conditions contained herein.

1. Access to the site
Users of this site acknowledge that they have the requisite skills and equipment to access and use the site.
Users of this website agree to use the site for lawful purposes only. It is a criminal offence to hack, distort, damage, delete or modify any content or communication on the website, or to hinder or distort the functioning of the site, or illegally introduce data to, or modify the data on the website.
Access to the Pan-African SL website is free of charge. However, all incidental costs arising from third party services to enable access to the website, such as internet access charges, telephone and related telecommunication service charges shall be borne by the user, in accordance with the applicable terms of the relevant service provider.

2. Intellectual Property
Pan-African SL has title and/or rights to all the items that make up the site, particularly the data, designs, graphics, photos and audio tape. It is prohibited to reproduce, represent, commercially distribute or otherwise exploit any of the contents of the site by any means whatsoever, whether in whole or in part, without the prior express authority of Pan-African SL. Such action constitutes an infringement of Pan-African SL’s rights for which offenders may be prosecuted.
The trademarks of the publisher of this website and of its partners, and the logos that appear on this site are registered trademarks. Any reproduction, whether in whole or in part, of the said trademarks and logos, without the prior authority of Pan-African SL or any assignee thereof, is prohibited by law.

3. Contents of the site
Pan-African SL, its subsidiaries, affiliates, agents, employees and directors expressly disclaim all warranties, express and implied, as to merchantability and fitness for a particular purpose for all products or services offered on the Pan-African SL website. Pan-African SL also does not warrant that the website or any website linked to or from it will be free of interruption, delay, error, or omission.
Pan-African SL shall not be held liable for any decision taken on the basis of information provided on the Pan-African SL website, nor for the use that may be made thereof by third parties. Any person who wishes to use the services and/or the products presented on this site should consult the contractual terms and conditions applicable to the said products and/or services, and the fees/tariff which are available at local branches of Pan-African SL.
Access to the products and services presented on this site may be subject to restrictions for certain persons or in certain countries. No product and/or service shall be provided by Pan-African SL to any person if such product and/or service contravenes the law in his country of residence, or in any other country with which he is connected. However, it shall be incumbent on the interested party to check in advance that his legal or tax status enables him to subscribe to products and/or services presented on the site, by consulting his personal advisers.

4. Exclusion of Liability for Technical Equipment
Pan-African SL shall not be in default of any obligation if performance is hindered by events beyond its control including without limitation, internet failure, computer equipment failure or telecommunications failure. Pan-African SL shall also not be liable for any damage that may result to the user’s technical equipment, particularly computers, software, network equipment or any other equipment used to access or use the service and/or the information.

5. Security
For the purpose of internet banking, a User may be required to register himself on the Pan-African SL.com website. At the point of registration, he will be required to provide accurate and complete information on his data, and up-date such information as and when necessary. Upon registration, the User will be required to choose a unique user name and password. The password chosen must be simple and unique. The user should only reveal his user name and password when accessing the Pan-African SL.com website.

Do not write down or record your password in a diary, note pad, or other document which may be accessed by a third party. Please exercise maximum caution in keeping your user name and password confidential. Log-off from the site when your session is over to prevent unauthorized access to your information.
Pan-African SL will NOT request you to provide sensitive information on your account details to any other website link. Customers must not on any account act on such instruction or visit any such website. If your user name or password is subject to unauthorized access, you should immediately inform the Pan-African SL subsidiary in your country of domicile.

All customers are advised to secure their Internet banking passwords and ATM pins with utmost confidentiality as the bank will not be liable for any loss arising from third party access to such information.
Pan-African SL requests the user to carefully read the address of the Website which is: Pan-African SL.com.

6. Exclusion of Minors
The products offered on the Pan-African SL website are not intended for use by minors.

7. Hyperlinks:
The Pan-African SL website contains hyperlinks to sites that are not managed or controlled by Pan-African SL. Hyperlinks to other websites are accessed solely at the customer’s risk. In consequence, Pan-African SL expressly disclaims all liability for the contents and accuracy of these sites, whether for breach of contract, negligence, tort, or any other cause of action arising from the use of such websites.
Hyperlinks may not be set up to the Pan-African SL website without the prior authorization of the publisher.

8. Cookies
Users are advised that when visits are made to this site, a cookie may be installed automatically and retained temporarily in the memory of the user’s machine or on his hard disk . Cookies do not make it possible to identify users, but rather, they record information about the user’s use of the website. By visiting the website, users confirm that they consent to, and authorize Pan-African SL to install cookies on their computers.
Users may however deactivate the cookies using the settings in their navigation software.

9. Personal Details
Users agree that their personal details may be shared with other Pan-African SL subsidiaries, affiliates or member companies from time to time forming part of the Pan-African SL for market research and statistical analysis
Users shall have the right to access their personal information on the website for the purpose of modifying or deleting such information when they so desire.
10. Exclusion of Liability
The User specifically acknowledges that neither Pan-African SL nor its officers, directors, subsidiaries, affiliates is liable for any incidental, indirect, consequential or special loss or damage whatsoever, including but not limited to loss of revenue, business, data, arising from or in any way connected with the performance or use of the site. If dissatisfied with the website or any of its contents, or with this access agreement in whole or in part, your sole and exclusive remedy is to discontinue using the website.

11. Law and Jurisdiction
The content and services offered on this website shall be subject to the terms of this Agreement as well as the internal policies and procedures of Pan-African SL.
This Agreement shall be governed by the law of the Republic of Togo, and the User submits to the jurisdiction of the Togolese courts.
Products and services offered on the site shall be governed by the law of the country indicated in the relevant documentation for the product or service.

12. Acceptance
This agreement has been read and understood by me. I certify that I am an adult and hereby accept the terms and conditions of use of the Pan-African SL website.

Registered Office: No.4 Nortei Ababio Street, Roman Ridge, Accra. Tele : 0302 782755