Terms of Service

1. Acceptance of Terms

By accessing and using the Accra Christ The King Cooperative Credit Union website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. License to Use Website

Accra Christ The King Credit Union grants you a limited license to access and use this website for personal, informational purposes. You may not:

• Reproduce, distribute, or transmit any content without permission
• Use the website for any commercial purpose without prior written consent
• Modify, adapt, translate, or reverse engineer any content
• Attempt to gain unauthorized access to any portion or feature of the website
• Use any automated tools or scripts to access the website

3. Membership Terms

To become a member of Accra Christ The King Credit Union, you must:

• Be at least 18 years of age
• Reside or work in the Greater Accra Region or be affiliated with our church community
• Provide accurate and complete information during the membership application process
• Comply with all credit union policies and procedures
• Maintain a minimum share balance as required by the credit union

Membership is subject to approval by the Credit Union's Board of Directors. We reserve the right to deny membership or terminate membership for any reason permitted by law or credit union policies.

4. Account Terms

Members agree to the following regarding their accounts:

• You are responsible for maintaining the confidentiality of your account information
• You agree not to share your PIN, passwords, or security codes with anyone
• You are liable for all transactions made using your account credentials
• You must report any unauthorized access or fraudulent activity immediately
• Account statements and records are available upon request
• The credit union may freeze or suspend accounts as required by law or policy

5. Loan and Credit Terms

All loans and credit products offered by Accra Christ The King Credit Union are subject to:

• Credit approval and member eligibility verification
• Current loan policies and rate schedules
• Applicable federal and state lending regulations
• A properly executed loan agreement specifying terms and conditions
• Payment of all applicable fees and charges

Members are responsible for making payments on time according to the agreed schedule. Late payments may result in additional charges and negatively impact credit history.

6. Deposits and Withdrawals

Members agree to the following deposit and withdrawal policies:

• Deposits are subject to verification and clearance procedures
• Withdrawal requests are subject to availability of funds
• Large withdrawals may require advance notice
• The credit union reserves the right to place holds on deposits as permitted by law
• Interest earned on deposits will be calculated and paid according to current rates

7. Fees and Charges

The credit union charges fees for various services as outlined in our current fee schedule. Members will be notified of any fee changes in accordance with applicable regulations. A current fee schedule is available at our offices or upon request.

8. Limitation of Liability

To the fullest extent permitted by law, Accra Christ The King Credit Union shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, including but not limited to loss of profits, data, or business interruption, even if we have been advised of the possibility of such damages.

9. Privacy and Data Protection

We are committed to protecting your personal information. Your use of our services is also governed by our Privacy Policy. We collect, use, and disclose member information only as permitted by applicable law and in accordance with our Privacy Policy.

Information collected is used to provide services, comply with legal obligations, and improve our operations. We do not sell member information to third parties without consent, except as required or permitted by law.

10. Dispute Resolution

Any disputes arising from these terms or your membership shall be resolved through:

• Initial discussion with credit union management
• Complaint procedures as established by the credit union
• Escalation to the Board of Directors if necessary
• Applicable legal remedies under Ghanaian law

11. Modification of Terms

Accra Christ The King Credit Union reserves the right to modify these terms at any time. We will notify members of significant changes through our website, email, or written notice. Your continued use of our services following notification of changes constitutes your acceptance of the modified terms.

12. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the Republic of Ghana and the Credit Union Regulations in effect. Both parties agree to submit to the exclusive jurisdiction of the courts of Ghana.

13. Contact Information

If you have any questions about these Terms of Service, please contact us at: