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Terms of Use

The agreement between you and Tech At Scale Ltd when you use Souplify.

Effective date: 11 November 2026

The short version

  • Souplify is a record-keeping app. It is not a bank, does not hold your money and does not move money for you.
  • Loans in savings groups are agreements between members. We keep the record; we are not a lender or a guarantor.
  • Souplify Town and Market Week use virtual cedis only. They are for learning, not financial advice.
  • Keep your email account safe, because your sign-in codes go there.
  • You can stop using Souplify and ask us to delete your account at any time.

1. This agreement

These terms apply to the Souplify mobile apps, the website at souplify.com and the Souplify Town games (together, “Souplify”). Souplify is operated by Tech At Scale Ltd (“we”, “us”, “our”), a company registered in Ghana.

By creating an account or using Souplify, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use Souplify.

2. Who can use Souplify

  • You must be 18 or older to create an account.
  • You must give true and current information, including in your profile and identity details.
  • You may hold one personal account. Do not open an account for someone else or pretend to be another person.

Anyone may play Souplify Town in a browser without an account.

3. Your account

You sign in with a one-time code sent to your email address. Anyone who can read your email may be able to sign in as you, so keep your email account secure.

Tell us straight away at support@souplify.com if you think someone else has used your account. You are responsible for activity on your account until you tell us.

4. What Souplify is and is not

Souplify helps you keep records of your money, your budgets and your groups. It is not a bank, a savings and loans company, a mobile-money provider, a broker or an investment adviser.

  • Souplify does not hold, receive or transfer your money.
  • Balances and transactions in Souplify are records you or your group enter or import. They are only as accurate as the information put in.
  • Nothing in Souplify is financial, tax, legal or investment advice. Make your own decisions, and take professional advice when you need it.

5. Savings groups and peer lending

Souplify lets members of a group record contributions, request loans, vote on them and record repayments. When you join a group, you agree that:

  • The group’s rules, contributions and loans are agreements between its members. We are not a party to them.
  • We do not lend money, guarantee any loan or collect repayments. Members are responsible for paying what they owe each other.
  • Other members of the group can see your name, role, contributions, loan requests, votes and repayments within that group.
  • Records you enter should be honest and accurate. Group owners and admins should manage membership fairly.

If members disagree, they should settle it among themselves. We may provide the group’s records to help, where the law allows.

6. Souplify Town and Market Week

  • The games use virtual cedis. They have no cash value and cannot be exchanged, withdrawn or transferred.
  • Market Week places no real trades. Prices, brokers, fees and results shown in it are for practice and learning. They do not recommend any investment or broker, and past results do not predict future returns.
  • Broker information is shown on equal terms. Contact a licensed broker directly before you invest real money.

7. Email import

Email import is optional. When you connect an email account, you confirm that it is yours and that you allow us to read bank and mobile-money alert emails in it to create transactions for you to review. You can disconnect it at any time. Our Privacy Policy explains exactly what we read.

8. Acceptable use

You must not use Souplify to:

  • break the law, including laws against fraud, money laundering and the financing of terrorism;
  • deceive, harass or threaten other people, including members of your groups;
  • record false contributions, loans or repayments to mislead others;
  • try to get into accounts, systems or data that are not yours, or test our security without our written permission;
  • copy, scrape, reverse engineer or overload Souplify, or build a competing service from it.

If you find a security problem, please tell us at support@souplify.com and give us time to fix it before you share it.

9. Charges

If we ever charge for a feature, we will show you the price before you agree to pay. Your mobile network may charge you for data.

10. Our content and yours

Souplify, its name, logo, designs, games and software belong to Tech At Scale Ltd. You may use them only to use Souplify as these terms allow. Our brand page explains how press and partners may use the logo.

The records and content you add stay yours. You give us permission to store and process them only to run Souplify for you and your groups, as described in the Privacy Policy.

11. Other services

Souplify may link to or work with services we do not control, such as Google sign-in, email providers, app stores and brokers. Their own terms and privacy policies apply when you use them.

12. Changes and availability

We keep improving Souplify, so features may change, be added or be removed. We work to keep it available, but it may sometimes be slow or offline, for example during maintenance. Keep your own copies of records that matter to you.

13. Suspension and closing your account

You can stop using Souplify at any time and ask us to delete your account.

We may suspend or close an account that breaks these terms, puts other users at risk, or where the law requires it. Where we can, we will tell you why and give you a chance to respond. Group and loan records that other members depend on may be kept, as the Privacy Policy explains.

14. Our responsibility to you

We provide Souplify with reasonable care and skill. Apart from that, and as far as the law allows, Souplify is provided “as is”, and we do not promise that it will be free of errors or always available.

As far as the law allows, we are not responsible for:

  • losses caused by money owed between group members, or by decisions you make using Souplify records or games;
  • mistakes in records that you, your group or an imported email provided;
  • losses we could not reasonably have foreseen, or that were caused by events outside our control.

Nothing in these terms limits any rights you have under Ghanaian consumer law that cannot be limited, or our responsibility for fraud or for harm caused by our negligence where the law does not allow that to be excluded.

15. Governing law and disputes

These terms are governed by the laws of the Republic of Ghana. If you have a complaint, please contact us first and we will try to resolve it. If we cannot, the courts of Ghana will decide the matter.

16. Changes to these terms

We may update these terms. We will change the effective date at the top of this page. If a change is significant, we will tell you in the app or by email before it takes effect. If you keep using Souplify after that, the new terms apply.

17. Contact us