Terms of Use

1. Agreement to terms

By creating an account, browsing campaigns, submitting information, or otherwise using the Platform, you confirm that you have read, understood, and agree to these Terms and any policies incorporated by reference. If you use the Platform on behalf of an organisation, you represent that you have authority to bind that organisation.

2. Definitions

“Campaign” means a fundraising offer listed on the Platform subject to applicable regulatory requirements.

“Investor” means a user who commits capital to a Campaign through the Platform.

“Issuer” or “Fundraiser” means a business or other legal entity seeking to raise capital via the Platform.

“Offer Document” means the disclosure materials approved or filed in accordance with applicable law for a Campaign, including risk factors and terms of the offer.

“Services” means the technology, hosting, matching, communications, and related operational services Ardent provides to facilitate crowdfunding in compliance with regulatory obligations.

3. Eligibility

You must meet minimum age, residency, and qualification criteria communicated at registration and as required by the Securities and Exchange Commission of Ghana (“SEC Ghana”) and other applicable law. You represent that all registration information is accurate and kept up to date.

Ardent may refuse service, close accounts, or restrict access where required for legal, regulatory, risk, or operational reasons, including sanctions screening outcomes.

4. Accounts & registration

You are responsible for safeguarding your credentials and for all activity under your account. You must notify us promptly of unauthorised access. We may use email, SMS, or in-app notices for security and service communications.

Corporate and trust accounts must be opened and operated only by authorised representatives with appropriate documentation on file.

5. KYC, AML & sanctions compliance

To comply with anti-money laundering (“AML”), counter-terrorist financing, and know-your-customer (“KYC”) obligations, we will verify identity, source of funds (where required), beneficial ownership, and screen against sanctions and politically exposed persons lists as applicable.

You agree to provide accurate documents and information within stated timeframes. Failure to complete verification may result in account limitations or closure. See also our AML & KYC Notice.

6. Nature of the platform

Ardent operates as an intermediary technology platform facilitating offers between Investors and Issuers. We are not a bank, deposit-taker, fund manager, broker-dealer, or guarantor of any investment. We do not provide personalised investment, legal, or tax advice. Any educational content is general in nature.

Campaigns are subject to regulatory review and disclosure requirements. Listing on the Platform does not imply that any investment is suitable for you or that it will perform as projected.

7. Investor obligations

You agree to:

• Read each Offer Document and risk disclosures before committing funds.
• Only invest amounts you can afford to lose; crowdfunding investments are high-risk and may be illiquid.
• Comply with investment limits, cooling-off rules, and other requirements shown on the Platform or in the Offer Document.
• Not use the Platform for market manipulation, money laundering, or unlawful purposes.
• Provide truthful information and cooperate with reasonable requests for additional verification.

8. Issuer & fundraiser obligations

Issuers must:

• Provide complete, accurate, and not misleading information in applications and Campaign materials.
• Maintain books and records as required and cooperate with due diligence and ongoing monitoring.
• Honour commitments to Investors as set out in binding agreements and Offer Documents once funded.
• Notify Ardent of material changes that could affect Investors.

9. Fees & payments

Fees applicable to Investors, Issuers, or other users will be disclosed before you incur them (including success fees, processing charges, or third-party costs). Payment processing may be provided by regulated partners; their terms may also apply.

Escrow, settlement, and refund mechanics for unsuccessful Campaigns will be described in the applicable Offer Document and operational rules published on the Platform.

10. Intellectual property

The Platform, branding, software, and content we create are owned by Ardent or our licensors. You receive a limited, revocable licence to use the Platform for its intended purpose. You may not copy, scrape, reverse engineer, or misuse our systems or data except as permitted by law.

You grant Ardent a licence to host, display, and process content you submit as needed to operate the Services, subject to our Privacy Policy.

11. Acceptable use

You must not:

• Violate law or third-party rights.
• Introduce malware, overload systems, or circumvent security.
• Harass users or staff, or post unlawful, defamatory, or hateful content.
• Use the Platform to solicit off-platform payments intended to circumvent fees or regulatory protections.

12. Suspension & termination

We may suspend or terminate access where we reasonably believe these Terms have been breached, where required by regulators, or to protect users or the integrity of the Platform. You may close your account subject to outstanding obligations and record-keeping requirements.

13. Disclaimer & limitation of liability

To the fullest extent permitted by law, the Platform and Services are provided “as is” and “as available.” We disclaim warranties not expressly stated. We are not liable for indirect, consequential, or punitive damages, or for loss of profits, except where such exclusion is prohibited by law.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or other liabilities that cannot be limited under Ghanaian law.

14. Indemnity

You agree to indemnify and hold harmless Ardent and its officers, directors, employees, and affiliates from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Platform, breach of these Terms, or violation of law, except to the extent caused by our wilful misconduct.

15. Governing law & disputes

These Terms are governed by the laws of the Republic of Ghana. Courts in Ghana shall have exclusive jurisdiction, subject to any mandatory provisions for consumers. You may also have rights to refer complaints to regulators as described in our Complaints Policy.

16. Changes to these terms

We may update these Terms to reflect legal, regulatory, or product changes. We will post the revised Terms and update the “Last updated” date. Where required, we will provide additional notice. Continued use after the effective date constitutes acceptance unless you close your account.

17. Contact

Questions about these Terms: legal@ardentafrica.com
General support: hello@ardentafrica.com
Registered office: Accra, Ghana (see website for current address).