Legal Framework

StartCCU operates under the Co-operative Societies Act, 1968 (NLCD 252), the Co-operative Societies Regulations, 1968 (L.I. 604), and is regulated by the Department of Co-operatives and the Bank of Ghana in accordance with applicable laws of the Republic of Ghana.

Eligibility

Membership of StartCCU is open to individuals, startups, MSMEs, cooperatives, and groups who satisfy the membership requirements set out in our by-laws and pay the prescribed shares/fees.

To use the website or online services, you must be at least 18 years old and have the legal capacity to enter into binding agreements under Ghanaian law.

Website Use

This website is provided for informational, educational, and service access purposes only.

You agree to use the website in accordance with Ghanaian law and not for unlawful, fraudulent, or harmful activities.

Unauthorized access, attempts to hack, or misuse of the website may result in civil and/or criminal liability.

Online Services

Members may access certain services (e.g., account information, loan applications, savings enquiries) online.

While StartCCU takes reasonable steps to ensure data accuracy, we do not warrant that all information available online is complete, current, or free from errors.

Transactions conducted online remain subject to verification and approval in line with our internal procedures and relevant regulations.

Intellectual Property

All content on this website, including logos, trademarks, graphics, designs, text, and images, are the property of StartCCU or its licensors.

You may not reproduce, republish, or commercially exploit any content without prior written consent from StartCCU.

Data Protection and Privacy

We collect and process personal data in compliance with the Data Protection Act, 2012 (Act 843) of Ghana.

By using this website, you consent to the collection, storage, and use of your data as outlined in our Privacy Policy.

StartCCU takes reasonable security measures to protect your information but cannot guarantee absolute security against cyber threats.

Electronic Communications

By using our website, you agree that StartCCU may communicate with you electronically (via email, SMS, or platform notifications).

Such communications satisfy any legal requirement for written communication under Ghanaian law.

Member Obligations

Members shall provide accurate and truthful information when registering or applying for services.

Members are responsible for safeguarding their login details, passwords, and any other access credentials.  

Members agree to abide by the rules and by-laws of StartCCU as a cooperative financial institution.