Terms & Conditions

These General Terms and Conditions (“Terms”) govern the use of Pohsa, the digital wallet solution operated by Seed Capital Venture SA (“Seed Capital,” “SCV,” “we,” “us,” or “our”).

By registering for, accessing, or using Pohsa, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree with these Terms, you should not use the Pohsa service.

Pohsa is a digital wallet solution designed to enable users to access and manage digital financial services and transactions through participating payment and technology partners.

The availability of particular services, transaction methods, limits, fees, and features may depend on the relevant partner, applicable regulations, and the user's eligibility.

Each user is responsible for maintaining the confidentiality and security of their Pohsa account credentials, including their password, PIN, authentication codes, and any other security information.

Any transaction or activity performed using a user's valid authentication credentials may be treated as having been authorized by that user, subject to applicable law and any investigation or dispute procedures available under the relevant service.

Users acknowledge that digital financial services may be exposed to risks including fraud, phishing, identity theft, social engineering, scams, unauthorized transactions, and other forms of misuse.

Users should exercise particular caution when receiving messages, calls, links, payment requests, investment offers, or other communications requesting passwords, PINs, OTPs, money, or personal information.

Seed Capital and Pohsa will never request a user's confidential password or authentication code through unsolicited communications.

Pohsa may operate in connection with third-party payment, telecommunications, banking, technology, and other service providers, including:

To the extent permitted by applicable law, Seed Capital's partners are not responsible for fraud, scams, unauthorized use, or other losses resulting from a user's misuse of Pohsa, disclosure of confidential credentials, fraudulent interactions, or failure to take appropriate security precautions.

Each partner remains responsible for its own services and obligations to the extent required by applicable law and its contractual relationship with Seed Capital or the user.

Users must immediately report suspected fraud, attempted scams, unauthorized access, suspicious transactions, or other security incidents through the official support channels displayed on the Pohsa platform.

When reporting an incident, users should provide relevant information that may assist with investigation, including the date and time of the incident, transaction details where applicable, and a description of the suspected fraudulent activity.

Users should not disclose their password, PIN, OTP, or other confidential authentication credentials when reporting an incident.

Users must not use Pohsa for:

• Fraudulent, deceptive, illegal, or unauthorized activities;
• Money laundering, terrorist financing, or other prohibited financial activities;
• Impersonating another person or entity;
• Attempting to obtain another user's credentials or personal information;
• Circumventing security measures;
• Introducing malicious software or attempting to compromise the platform; or
• Any activity prohibited by applicable law or regulation.

Seed Capital reserves the right, subject to applicable law, to suspend, restrict, or terminate an account where there are reasonable grounds to suspect fraud, misuse, security risks, or unlawful activity.

Certain Pohsa features may depend on third-party services. Seed Capital does not control all third-party systems and cannot guarantee uninterrupted availability, security, or performance of services provided by external partners.

Where a transaction involves a third-party payment provider, the applicable terms, conditions, fees, and procedures of that provider may also apply.

To the maximum extent permitted by applicable law, Seed Capital Venture SA shall not be liable for losses arising from:

• The user's disclosure or loss of passwords, PINs, OTPs, or other credentials;
• Unauthorized access caused by the user's failure to maintain account security;
• Fraudulent communications or scams initiated by third parties;
• The user's voluntary transfer of funds to a fraudulent person or account;
• Misuse of the Pohsa platform by the user or another person using the user's credentials;
• Service interruptions or failures originating from third-party networks or providers; or
• Circumstances beyond Seed Capital's reasonable control.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

Users agree to cooperate reasonably with Seed Capital and relevant partners when investigating suspected fraud, unauthorized transactions, security incidents, or misuse of the Pohsa service.

Users may be required to provide information or documentation necessary to verify their identity or investigate a transaction, subject to applicable privacy and data-protection requirements.

Seed Capital may update these Terms from time to time to reflect changes in the Pohsa service, applicable law, security requirements, or business operations.

Where required by law, users will be notified of material changes through appropriate channels. Continued use of Pohsa after the effective date of updated Terms constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

These Terms shall be governed by and interpreted in accordance with the laws applicable to Seed Capital Venture SA and the Pohsa service, subject to any mandatory consumer-protection or financial-services laws of the republic of Cameroon applicable to the user.

By creating, accessing, or using a Pohsa digital wallet, the user confirms that they understand and accept these General Terms and Conditions and acknowledge their responsibility for protecting their account credentials and promptly reporting suspected fraud or unauthorized activity.