Terms & Conditions

Your continuous use of GhanaCompares.com (the “Website or “Service”) indicates your agreement to the following set of Terms and Conditions. These Terms may overlap with other documents on GhanaCompares.com, such as our Privacy Policy or any other Agreement you enter into with the Service by means of express or conclusive consent.



Last Updated: 06-01-2017




Using this Service is the User’s sole discretion. Users are the final decision makers when selecting Deductibles and Coverage displayed on this Service. Mortgages, Insurances, Loans or any other services contained in the Package Descriptions offered on GhanaCompares.com are provided only for information purposes, and is to serve as a reference point for your further conduct outside the Service. ou are the final decision maker when it comes to selecting Coverage and Deductibles. We do not, by any objective standards, favor, endorse or otherwise support any displayed posts on GhanaCompares.com. We do not issue any type of professional advice, as the Service may be used as reference point for further dealings on the displayed services offered by third-parties. We do not warrant or guarantee the accuracy of information on the items/services and their features and terms displayed, as they may change with time, at the discretion of the provider of the item or service.

GhanaCompares.com makes no express or implied warranties or representations whatsoever, as to the suitability of the Packages to your particular circumstances or purpose, or to the completeness of the contract assistance provided. To the fullest extent allowed by applicable law, the Service is not to be held responsible for any direct, indirect, incidental, special or consequential loss caused by reliance on the information set out in any aspect of our Service. Please further note that this Service is not issuing any type of qualified professional (medical, legal, financial or other) advice, and may not be perceived as such.

The Service is the sole owner and administrator of the GhanaCompares.com Website. These Terms of Service govern your use of the GhanaCompares.com website. If you find any of the provisions stated in these Terms unreasonable, please stop using this Website.


We are committed to protecting your privacy. Authorized employees within the company need the minimal amount of information that is collected from the Users. We work constantly on reviewing our systems and date in order to ensure the best possible service to our Users. Any actions or breaches that may occur will be properly reported to state authorities and investigated by both the Service and the investigative authorities they may be reported to. No method of protection of data is 100% efficient, but we use and update our Security practices in order to improve security for our User base.

Confidentiality and Conduct of Authorized Staff.

You hereby agree to cross-border transfer of personal information. The information collected via the Service is to be regarded as confidential, and as such, under penalty of civil and penal actions, will be protected from disclosure by third parties. Users have the right to information about the Records that are kept. This information is accessible upon written request to our Administrative Staff.

We will not sell, share, rent or reproduce the personal information shared to us. Any information provided to the service will be handled appropriately, within the reasonable scope of use of such information. E-mails or other personal information data (without limitation to: name, address, telephone number(s)) will not be disclosed. Methods and Scope of Disclosure are further addressed in our Privacy Policy.


Certain information is gathered and stored in log files. This information includes the IP address, browser type, ISP, OS, Date and Time Stamp and Clickstream data. This information does NOT identify individual Users nor can closely distinguish Users. This information is utilized to administer the site and to track Users’ movements across the Service. Cookies are small pieces of data stored locally on Your Device. Session ID cookies are used and utilized to maintain Users’ subscriptions and accounts. Information stored in cookies cannot closely distinguish Users. Session Cookies are utilized to improve navigation on our site. We do not recommend restriction of cookies, because we utilize them to improve your user experience. Clear pixels are a part of a tracking technology, in order to track the movement of the Users within the Service. In contrast to Cookies, Clear Gifs are not stored on your device. Third party advertising Services, providing you with targeted advertisements according to your preferences, according to your behavior and searches on the Internet. The information advertising Services or analytic software or codes collects is not, in any way, relatable to your identity, and we do not believe that it may be used to disclose your identity



You may not create a link to any page of this website without our prior written consent. If you do create a link to a page of this website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this website by linking to it.


This Service may be linked to third parties. Unless stated otherwise in relevant and clearly visible portions of this Service, these Services may not use your information in any other way than the one provided within these Terms of Service or Privacy Policy. Please be aware that we are not responsible for the privacy practices, or content, of these Services. We encourage our Users to use due diligence and sound mind whilst being redirected to other Platforms than GhanaCompares. The Service will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.


Copyright © [2016] GhanaCompares. All rights reserved.

This Website’s content is primarily original, unless stated and/or attributed otherwise. The site’s content is gathered, modified and published with respect to the Authors (Licensors) in accordance with all applicable GHANA and international intellectual property law standards. GhanaCompares, together with the Authors (Licensors) owns and controls all the copyright and/or other intellectual property rights of the complete content on the Service. All the copyright and/or other intellectual property rights regarding this Service’s full content (including, but not limited to sections of this Service which are or are not available to the general public, registered users, persons with authorized access to specific sections of the Service etc.) are reserved. Unilateral statements voiding partial or full reservation of copyright and/or other intellectual property rights are null and void. All eventual further licensing and/or transfers of copyright and/or other intellectual property rights regarding the design, content and/or functionality of this Service can only be transferred via a binding agreement between GhanaCompares, requiring express consent towards the transfer of these rights to third parties upon their previous request, which is made available to this Service’s visitors.

Users are allowed to: – View specific pages of this Service which are allowed for his/her use; – Download pages from this Service for the means “caching” in a web browser, print pages from this Service, stream audio or video files from this Service; – Use the services that this Service offers, using a personal computer or mobile device web browser; – Use this Service’s content, functionality and/or services for personal (business) purposes, in accordance with the Service’s Terms and Conditions.

One is to restrict of, under threat of civil and penal retribution: – Download content from this Service and/or save content to one’s private computer and/or mobile device; – Edit or modify content directly on this Service. With the exception of Licensors/Authors, which have expressly reserved their rights to do otherwise, one is further not allowed to: – Republish content from this Service; Exploit or redistribute this Service’s content for commercial purposes; – Sell, rent or sublet this Service’s content for profit or any other purposes, nor show this Service’s content in public.

Without the proper consent (licensing and/or sublicensing), one is to withhold of: – Selling, renting or subletting content on this Service; – Republishing material from this Service; – Copying, reproducing, duplicating, modifying or recreating content from this Service (unless the content is expressly made available for these purposes); Redistributing this Service’s content (unless the content is expressly made available for this specific purpose). If the content of the site is already subject to an exclusive License, it cannot be passed on to a specific petitioner requesting a License or Sublicense. The Service’s administrators do NOT warrant that Consent (thereinafter: License) will be issued to every person, group and/or other third party, which has filed a formal request for Licensing. Filing a request for licensing this site’s content is possible via e-mail or by post. Individual requests and given Licenses will be issued in written or electronic form. Note that any unilateral transfer of copyright and/or other intellectual property rights is null and void. If the content of this Service, acquired by GhanaCompares via a specific License which requires the Author’s consent or attribution, the possible Sublicense would be issued in writing or in electronic form, upon reaching the specific Sublicensing requirements. These requirements will be stipulated between all the parties involved, and all parties involved will express their consent towards further licensing of licensed content. Note that any unilateral transfer of copyright and/or intellectual property rights is null and void. Any breach of content and intellectual property law provisions, sanctioned by applicable law does not exclude the possibility of GhanaCompares treating the issue in a way it sees fit. Note that legal action against the individual or group involved in such a breach is not excluded.

If you have any abuse concerns, please do not hesitate to report the possible abuse, according to the guidelines available in our Privacy Policy. Abuse concerns can be reported via e-mail to our Administrative Staff.


Any aspect of the Service may be discontinued at any time at sole GhanaCompares discretion. GhanaCompares is not to be held liable for any partial or full discontinuance of the Service’s features, structure, functionality or content. Any complaints on these elements may be expressed by giving us appropriate feedback.



This agreement is written and is to be interpreted in accordance with applicable law. Any proceedings, whether court or alternative-dispute resolution methods as recognized by law are to be in the sole jurisdiction of the Ghana authorities. If any part of this Agreement is, or is deemed by an appropriate authority to be unenforceable by the applicable law, this will not affect the enforceability of any other provision of these Terms of Service. These Terms are created in full compliance with the Ghana applicable law and International Standards. These Terms, along with all supplemental documents you have expressed your consent to, without limitation to conclusive means of acceptance, are to be regarded as a single, legally-binding contract between you and GhanaCompares. All Parties have agreed that, in the case of any issue, dispute or controversy, the Parties will try their best to settle the issue by means of alternative dispute-resolution, primarily through Arbitration and Mediation as recognized by applicable Law. If such proceedings fail, court proceedings before the relevant courts may ensue.

These Terms of Service may be changed from time to time. Please note that we will inform you in a timely manner 30 days prior to issuing a new set of Terms of Service in order for you to get acquainted with them. Your continuous use of this Service indicates your conclusive agreement to the terms set therein.


GhanaCompares takes Security of information very seriously. In case that the Service is partially or fully going through a business acquisition, some of the personal information might be amongst the assets transferred. These assets will be handled with the same amount of Security and Privacy protection as guaranteed by GhanaCompares in the present. GhanaCompares is to be held liable in the single case that it had broken the codes of ethics and etiquette, as well as the fair information practices of not noticing a security breach in the Service. GhanaCompares will notify you of any possible security breach via e-mail. If such security breach exists, the Service will assess the problem, and will remove the security threat immediately after the initial discovery.


Your continued usage of our Services implies your consent and awareness of the above mentioned limitations of liability in any of the aforementioned cases. No claims shall be responded to by the Service in case Users request redress from any of the Disclaimers stated above.


Users agree that there is no weaker party in this contract, as both parties have the opportunity to cease using or providing the Service at their own will. No aspect of this Contract is to limit statutory rights of Consumers.