Terms of Service

These Terms constitute a binding legal agreement between you ("User") and Wallflake ("Company", "we", "us", or "our"). We may update these Terms from time to time. Continued use of the platform after changes are posted constitutes your acceptance of the revised Terms.

If you are accessing Wallflake on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

You must be at least 13 years of age to create an account and use Wallflake. If you are under 18, you must have the consent of a parent or legal guardian. By using the platform, you represent that you meet these eligibility requirements.

Wallflake is available globally, but certain features or plans may be restricted by jurisdiction. It is your responsibility to ensure your use complies with local laws and regulations.

To access most features you must create an account by providing accurate information including a valid email address. You are responsible for:

• Maintaining the confidentiality of your login credentials.
• All activity that occurs under your account.
• Notifying us immediately at support@wallflake.com if you suspect unauthorised access.

We reserve the right to suspend or terminate accounts that violate these Terms or that we believe have been compromised.

Wallflake offers a free tier and paid subscription plans (Pro and Premium). Paid subscriptions provide access to advanced features as described on the Plans page.

• Billing — Paid plans are billed on a recurring monthly or annual basis, depending on the plan you select. Your payment method will be charged automatically at the start of each billing cycle.
• Renewal — Subscriptions renew automatically unless you cancel before the renewal date. You can cancel at any time through your account settings or by contacting us.
• Price Changes — We may change subscription prices at any time. We will provide at least 30 days' notice of any price increase via email or in-app notification. Continued use after the effective date constitutes your acceptance of the new price.
• Refunds — Subscription payments are generally non-refundable. We may issue a refund at our sole discretion in exceptional circumstances. Please contact support@wallflake.com for refund requests.
• Failed Payments — If a payment fails, your account may be downgraded to the free tier until the payment is resolved.
• Payment Processors — Payments are processed securely through third-party payment providers. We do not store raw credit card numbers on our servers.

In-App Purchases & Auto-Renewable Subscriptions (iOS)

If you subscribe to a Wallflake paid plan through the iOS app, the following additional terms apply:

• Payment — Payment will be charged to your Apple ID account at confirmation of purchase.
• Auto-Renewal — Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current billing period.
• Renewal Charge — Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period, at the price confirmed at purchase.
• Managing Subscriptions — You can manage your subscription and turn off auto-renewal at any time by going to your Apple ID Account Settings after purchase. Turning off auto-renewal does not cancel your current subscription period.
• No Mid-Period Cancellation — Cancellation of the active subscription period is not allowed. Your access continues until the end of the paid period regardless of cancellation.
• Free Trials — If a free trial is offered, any unused portion of the free trial will be forfeited when you purchase a subscription.
• Price Increases — If we increase the price of a subscription, Apple will notify you and require your consent before charging the new price.

For more information on managing subscriptions purchased through Apple, see Apple's support page on managing subscriptions.

The free tier of Wallflake provides access to core features including live GSE prices, basic portfolio tracking, and community features. Features included in the free tier may change over time.

We reserve the right to add features to paid tiers that were previously free, or to change the scope of the free tier, with reasonable notice to existing users.

You agree to use Wallflake only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Post or transmit any content that is unlawful, defamatory, obscene, threatening, harassing, or discriminatory.
• Spread financial misinformation or pump-and-dump schemes through our community features.
• Scrape, crawl, or systematically extract data from the platform without prior written permission.
• Attempt to gain unauthorised access to our systems, other user accounts, or private data.
• Use the platform to conduct, facilitate, or promote illegal financial activity.
• Impersonate Wallflake, our employees, or other users.
• Upload or transmit malicious code, viruses, or any software that disrupts or damages our services.
• Use automated bots or scripts to interact with the platform in ways not permitted by these Terms.

Violation of the Acceptable Use Policy may result in immediate suspension or permanent termination of your account, at our sole discretion.

MoneyTalk is Wallflake's investor community. We want it to be a positive, informative space. The following rules apply to all community interactions:

• Be respectful — Treat all members with courtesy. Personal attacks, slurs, and harassment are strictly prohibited.
• No spam — Do not post repetitive messages, unsolicited promotions, or off-topic content.
• No financial fraud — Do not post content designed to manipulate stock prices, spread false rumours, or deceive other investors.
• Disclose conflicts — If you own or are short a stock you are discussing, disclose it.
• Not investment advice — All community posts are opinions of individual members and do not constitute professional financial advice.
• No copyright infringement — Do not post copyrighted material without permission.

We reserve the right to remove any content that violates these guidelines and to suspend or terminate accounts of repeat offenders.

Your use of Wallflake is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the data practices described in the Privacy Policy.

We collect and process data to provide, improve, and personalise the Wallflake service. We do not sell your personal data to third parties.

You may request deletion of your account and associated data at any time via the account deletion page or by contacting us.

All content on Wallflake — including the software, design, Snowflake scoring methodology, text, graphics, logos, and data compilations — is owned by or licensed to Wallflake and is protected by applicable intellectual property laws.

• You may not copy, reproduce, modify, distribute, or create derivative works from any part of our platform without our prior written consent.
• The Wallflake name, logo, and branding are our trademarks. You may not use them without our written permission.
• User-generated content (posts, comments) remains your property, but you grant Wallflake a worldwide, non-exclusive, royalty-free licence to display, distribute, and promote that content on our platform.

Wallflake is an independent platform and is not affiliated with or endorsed by the Ghana Stock Exchange (GSE), any listed company, or any regulatory body.

Investing in stocks involves substantial risk, including the possible loss of your entire investment. Past performance of any stock or scoring system is not indicative of future results. Always consult a qualified and licensed financial professional before making investment decisions.

To the maximum extent permitted by applicable law, Wallflake and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial losses resulting from reliance on data, scores, or analysis provided by the platform.
• Loss of data, profits, or business opportunities.
• Errors, inaccuracies, or delays in market data.
• Interruptions to service or technical failures.

In jurisdictions that do not allow the exclusion of certain warranties or limitation of liability, our liability shall be limited to the maximum extent permitted by law. Our total aggregate liability shall not exceed the amount you paid to us in the 3 months preceding the claim.

We aim to provide a reliable and continuously available service, but we do not guarantee uptime. We may:

• Perform scheduled or emergency maintenance that temporarily interrupts service.
• Modify, suspend, or discontinue features with or without notice.
• Restrict access to certain features or regions as required by law or technical necessity.

We will make reasonable efforts to notify users of significant planned disruptions in advance.

You may terminate your account at any time by visiting the account deletion page or contacting us. Upon termination, your right to use the service ends immediately.

We may suspend or terminate your access at any time if we believe you have violated these Terms, engaged in fraudulent activity, or for any other reason at our sole discretion. We will attempt to provide reasonable notice unless immediate action is required for security reasons.

Sections relating to intellectual property, disclaimers, limitation of liability, and governing law survive termination.

These Terms are governed by and construed in accordance with the laws of the Republic of Ghana. Any disputes arising from these Terms or your use of Wallflake shall be subject to the exclusive jurisdiction of the courts of Ghana.

We encourage you to contact us first to resolve any dispute informally before initiating legal proceedings. Most issues can be resolved quickly through our support team.

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make material changes, we will:

• Update the "Last updated" date at the top of this page.
• Send a notification via email or in-app alert for significant changes.

Your continued use of Wallflake after the effective date of revised Terms constitutes your acceptance of those changes.