General Terms of Use

1Introduction

Welcome to Benmort Connect.

These General Terms of Use (“Terms”) set out the rules that apply when you access or use any of our websites, mobile applications, digital platforms, software, products, services, programmes, and solutions — whether owned, operated, licensed, or managed by Benmort Connect (“Benmort”, “we”, “our”, or “us”).

We have written these Terms to be as clear and straightforward as possible. They are meant to protect both you and us, and to set honest expectations for every interaction within our ecosystem.

By accessing, registering for, purchasing, using, participating in, or interacting with any Benmort Connect service in any way, you confirm that you have read and understood these Terms and that you agree to be bound by them and all applicable policies incorporated by reference.

If you do not agree to any part of these Terms, please stop using our services immediately.

2About Benmort Connect

Benmort Connect is an integrated business ecosystem built to connect people, professionals, businesses, and organisations with the tools, opportunities, and support they need to grow. We bring together a wide range of services under one trusted platform, spanning digital marketplace solutions, business advisory, secure payment facilitation, workforce mobility, compliance support, technology services, and more.

These Terms apply to all current and future Benmort Connect products and services, including:

• Benmort Marketplace
• Benmort Compliance Hub (BCH)
• Benmort Business Solutions
• Benmort Cloud Services
• Benmort Pay
• Affiliated products and subsidiaries
• Benmort Global Services
• Any future services introduced by Benmort

Unless a specific service expressly states otherwise, these Terms apply uniformly across the entire Benmort Connect ecosystem.

3Eligibility

To use our services, you must meet the following requirements:

• Be at least eighteen (18) years of age, or hold the legal capacity to enter into binding agreements under the laws applicable to you.
• Provide information that is accurate, complete, and current at the time of registration and throughout your use of our services.
• Keep your account information up to date and promptly correct any inaccuracies.
• Use our services only for lawful purposes and in compliance with all applicable laws and regulations.

If you are using our services on behalf of an organisation or business, you confirm that you are duly authorised to accept these Terms on that entity’s behalf and to bind it to these Terms.

4Who These Terms Apply To

Benmort Connect serves a wide and diverse community. These Terms apply to every individual and organisation that participates in the Benmort Connect ecosystem in any capacity, including but not limited to:

• Customers and Clients
• Recruitment Partners
• Buyers and Sellers
• Referral Partners and Agents
• Freelancers and Consultants
• Ambassadors
• Professionals and Vendors
• Affiliate Marketers
• Contractors and Service Providers
• Marketing Representatives
• Employers and Businesses
• Strategic and Technology Partners
• Corporate Organisations
• Banking Partners
• Merchants
• Investors
• Students and Job Applicants
• Community Representatives
• Healthcare Professionals
• Authorised Representatives
• Skilled and Semi-Skilled Workers
• Third-Party Integrators
• Educational Institutions
• Any other participant in the ecosystem

Regardless of how you engage with Benmort Connect, by participating in any part of our ecosystem you agree to comply with these Terms.

5Our Services

Depending on availability in your country or jurisdiction, Benmort Connect may provide any of the following services:

• Professional and Digital Marketplace Services
• Career Development Services
• Payment Facilitation and Holding of Funds
• Employer Readiness Programmes
• Merchant Services
• Professional Training and Certification Preparation
• Business Registration Support
• Technology and Software Solutions
• Business Advisory and Consulting
• AI-Enabled Business Services
• Business Process Outsourcing
• Business Automation
• Regulatory and Corporate Compliance Support
• Financial Advisory
• Data Protection Compliance
• Corporate Services
• Workforce Mobility Services
• Logistics Coordination
• International Recruitment Support
• Immigration Support Services
• Study Abroad Support
• Any additional lawful services introduced in the future
• Visa Documentation Guidance

The availability and scope of specific services may vary depending on your country, applicable regulations, and the agreements in place. We will always aim to be clear about what is available to you.

6Your Account

When you create an account with us, you take on certain responsibilities to help keep our ecosystem safe and trustworthy for everyone. Specifically, you agree to:

• Keep your account information accurate, current, and truthful at all times.
• Take reasonable steps to protect your password and login credentials, and not share them with others.
• Notify us promptly if you suspect any unauthorised access to your account.
• Accept responsibility for all activity that takes place through your account, whether carried out by you or someone else.
• Update your contact details whenever they change so we can always reach you.

We reserve the right to suspend or terminate accounts that contain false, misleading, or fraudulent information, or where we have reasonable grounds to suspect misuse. Where possible, we will notify you before taking such action.

7Acceptable Use

We want Benmort Connect to be a safe, honest, and professional environment for everyone. To protect this, the following conduct is strictly prohibited:

• Engaging in fraud, deception, or any form of dishonest dealing.
• Submitting forged, altered, or falsified documents.
• Misrepresenting your qualifications, identity, or professional credentials.
• Impersonating another person or organisation.
• Attempting to gain unauthorised access to our systems, data, or accounts.
• Introducing malicious software, viruses, or harmful code.
• Attempting to circumvent or bypass our security measures.
• Abusing, manipulating, or exploiting our referral or promotional programmes.
• Manipulating or fabricating reviews, ratings, or testimonials.
• Engaging in money laundering, financing of terrorism, or other financial crimes.
• Infringing the intellectual property rights of Benmort or any third party.
• Harassing, threatening, intimidating, or discriminating against other users.
• Using our services for any unlawful, harmful, or prohibited purpose.

We take breaches of these standards seriously. Violations may result in suspension or termination of your account, legal action, and where required, reporting to the relevant regulatory or law enforcement authorities.

8Marketplace Services

Our marketplace connects clients with professionals, freelancers, and service providers across a wide range of disciplines. For the marketplace to work well and for trust to be maintained, all participants agree to:

• Provide services honestly, professionally, and to the standard agreed with the client.
• Deliver work that is consistent with what was described, agreed, and paid for.
• Communicate clearly, respectfully, and in a timely manner.
• Honour agreed timelines and milestones.
• Describe products and services accurately and without misleading claims.
• Resolve disagreements in good faith and use the platform’s dispute resolution process when needed.

We monitor the marketplace for misconduct and may investigate complaints at our discretion. Where we identify a violation, we reserve the right to take appropriate action, including removing listings, suspending accounts, or releasing or withholding funds where applicable.

9Business Solutions

Benmort Business Solutions offers a range of advisory, consulting, operational, compliance, and technology support services designed to help individuals, startups, SMEs, and larger organisations grow and succeed.

Our team works hard to provide well-researched, professional, and practical guidance. However, it is important that you understand the following:

• You remain solely responsible for all business, financial, legal, regulatory, tax, operational, and investment decisions made in connection with your business.
• Our services provide guidance and support, not guarantees of outcome.
• Unless expressly committed to in a separate written agreement, Benmort does not guarantee commercial success, profitability, the securing of financing or investment, or specific business results.

We encourage you to treat our advisory services as an informed, professional input that complements your own judgement and the advice of other qualified professionals such as lawyers and accountants.

10Benmort Pay — Payment Facilitation & Holding of Funds

Benmort Pay is our integrated payment and escrow solution. It allows clients and professionals to transact securely, with funds held safely until the agreed conditions of an engagement have been met. When you use Benmort Pay, you agree to the following:

• Benmort Pay facilitates payment transactions and holds funds in accordance with the applicable agreements and operational procedures in place at the time of the transaction.
• Funds may be held temporarily while we await verification of identity, completion of agreed milestones or contractual conditions, or resolution of authorised transaction issues.
• Before accepting, holding, or releasing funds, we may conduct identity verification, fraud prevention checks, anti-money laundering (AML) screening, sanctions screening, and other compliance reviews required by law or our policies.
• We may delay, suspend, reject, reverse, or decline a transaction where required by applicable law, regulatory obligation, court order, risk management procedures, or where we have reasonable grounds to suspect fraudulent activity.
• You are responsible for ensuring that the payment information and transaction instructions you provide are accurate and complete.
• We are not responsible for delays caused by financial institutions, payment processors, telecommunications providers, regulatory reviews, or other events outside our reasonable control.
• The holding of funds is intended solely to facilitate transactions. It does not constitute a guarantee of the quality of services, delivery of goods, or the outcome of any dispute between participants.
• Unless stated separately in a written agreement, Benmort is not a party to the underlying commercial arrangement between you and another user.

We may update our payment facilitation and funds holding procedures from time to time to reflect changes in applicable law, operational requirements, or evolving best practices. We will notify you of material changes.

11Benmort Global Services

Benmort Global Services is built to support individuals who are pursuing opportunities beyond their home country — whether for study, professional growth, skilled employment, healthcare careers, or long-term relocation. We provide structured guidance, documentation support, readiness programmes, and advisory services to help you prepare for your journey.

We want to be completely transparent with you about what our services include and what lies outside our control. Unless we have expressly committed to something in writing, Benmort does not guarantee:

• Employment or job placement
• Immigration or residency approval
• Admission to any educational institution
• Professional licensing outcomes
• Scholarship awards
• Permanent residence
• Visa approval
• Citizenship

Final decisions in all of these areas rest with employers, educational institutions, professional examination bodies, immigration authorities, licensing boards, embassies, consulates, and relevant government agencies. These decisions are made independently by those bodies, and we have no control over their outcomes.

What we can promise is that we will work hard to prepare you as thoroughly as possible and support you through every stage of the process.

12Benmort Compliance Hub (BCH)

The Benmort Compliance Hub helps businesses, NGOs, institutions, and individuals navigate the practical and regulatory requirements of operating compliantly in Ghana and beyond. Our services cover corporate governance, regulatory compliance, data protection, documentation preparation, and related advisory support.

We want to work with you as a knowledgeable and reliable partner. To make that possible, we ask that you:

• Provide accurate, complete, and truthful information in connection with all compliance-related work.
• Inform us promptly of any relevant changes in your circumstances, business structure, or regulatory obligations.
• Understand that you remain legally responsible for fulfilling all of your regulatory and legal obligations.

Our guidance and support are designed to help you meet your obligations — not to replace your own responsibility for compliance. We strongly encourage you to complement our services with advice from qualified legal professionals where appropriate.

13Referral Programme

We love growing through the recommendations of our own community. Our referral programme allows you to earn rewards by introducing people you know to Benmort Connect’s services. To participate fairly and to protect the integrity of the programme, you agree to:

• Only refer genuine, eligible individuals or organisations who have a real interest in our services.
• Never refer yourself, directly or indirectly, through another account or identity.
• Never submit duplicate, fictitious, or fabricated referrals.
• Understand that referral rewards are subject to the eligibility conditions and rates published in our Referral Programme Terms at the time of the referral.
• Accept that Benmort may amend, suspend, or discontinue referral incentives at any time, with reasonable notice where practicable.

Any rewards earned through fraud, manipulation, or abuse of the referral programme may be withheld, reversed, or recovered, and the participant concerned may be suspended or permanently excluded from the programme.

14Ambassador Programme

Our ambassadors are some of our most important partners. They represent Benmort Connect in their communities, universities, workplaces, and online networks, and they play a meaningful role in the growth of our ecosystem. In return, we invest in them through training, commissions, bonuses, and recognition.

As a Benmort Connect Ambassador, you agree to:

• Promote Benmort Connect truthfully, professionally, and in accordance with our brand and marketing guidelines.
• Use only approved marketing materials and messaging in your promotional activities.
• Never make misleading statements, exaggerated earnings claims, or unauthorised promises on behalf of Benmort.
• Act in a way that protects and upholds Benmort’s reputation in all settings.
• Keep non-public information about Benmort’s operations, products, and strategies strictly confidential.

We may suspend or terminate your participation in the ambassador programme where these commitments are not honoured. Specific obligations, commission structures, and performance requirements are set out in your Ambassador Agreement.

15Partners

We collaborate with a wide range of strategic partners, educational institutions, financial institutions, technology providers, recruitment agencies, and other organisations. These partnerships extend the reach and quality of what we can offer to our customers.

All partners are expected to conduct their activities lawfully, ethically, and in a manner consistent with Benmort Connect’s values and policies. Where a formal partnership agreement exists, the terms of that agreement will govern the relationship in addition to these General Terms of Use.

16Fees and Payments

Many of our services are offered on a paid basis. When you purchase a service from Benmort Connect, you agree to:

• Pay all applicable service fees and charges in full and on time.
• Pay any applicable taxes, levies, or statutory charges that apply to your transaction in your jurisdiction.
• Use only authorised and verified payment methods when making payments.
• Comply with the payment procedures applicable to the specific service you have purchased.

Unless required by law or expressly stated otherwise in the terms applicable to your service, fees paid to Benmort Connect are generally non-refundable. Please review the relevant service terms carefully before making a payment.

17Refund Policy

Your eligibility for a refund is governed by our Refund Policy and any additional terms that apply to the specific service you purchased. We encourage you to read these carefully before engaging any service.

Please note that the following costs are generally non-refundable:

• Government fees and statutory charges.
• Examination and assessment fees paid to third-party bodies.
• Embassy and visa application fees.
• Third-party service provider fees incurred on your behalf.
• Administrative charges where work has already commenced.

If you believe a refund may be applicable to your situation, please contact our support team as early as possible through our official channels.

18Intellectual Property

Everything that makes Benmort Connect what it is — our platforms, software, trademarks, logos, brand identity, designs, graphics, documentation, training materials, databases, methodologies, and all other creative and proprietary content — belongs to Benmort or its licensors.

These materials are protected by copyright, trademark, and other applicable intellectual property laws. You may not reproduce, distribute, modify, reverse-engineer, sublicense, publicly display, or otherwise exploit any Benmort intellectual property without our prior written permission.

If you believe that any content on our platform infringes your intellectual property rights, please contact us promptly through our official support channel so we can review and address your concern.

19Privacy and Data Protection

We take your privacy seriously, and we are committed to protecting the personal information you share with us. How we collect, use, store, share, and protect your personal data is governed by our Privacy Policy and applicable data protection laws.

By using our services, you acknowledge and consent to the processing of your personal information as necessary for us to deliver our services, meet our legal obligations, prevent fraud, maintain security, and operate our business. We will always aim to use the minimum information necessary and to handle it with care and respect.

We encourage you to read our Privacy Policy to understand your rights and how we protect your data.

20Confidentiality

In the course of using our services, you may have access to information that is confidential to Benmort or to other participants in our ecosystem — including business strategies, pricing, customer data, proprietary processes, and other non-public information.

You agree to protect this information and not to disclose it to any third party without authorisation, except where required by law or expressly permitted under a written agreement with us.

This confidentiality obligation continues after your relationship with Benmort Connect has ended.

21Third-Party Services

To deliver a comprehensive and high-quality experience, we work with a range of third-party providers, including financial institutions, technology companies, educational organisations, employers, logistics providers, regulatory bodies, and government agencies.

While we take care in selecting our partners, we are not responsible for the independent services, decisions, or actions of third parties. Where you are dealing directly with a third party in connection with our services, their own terms and policies will apply to that interaction.

We will be transparent about when third-party providers are involved in delivering a service, and we will always try to connect you with partners who share our commitment to quality and professionalism.

22Limitation of Liability

We work hard to provide reliable, high-quality services, but there are circumstances we cannot always predict or control. To the fullest extent permitted by applicable law, Benmort shall not be liable for any indirect, incidental, consequential, special, punitive, or economic losses arising from your use of our services, including loss of profits, revenue, business opportunities, data, or business interruption.

Where our liability cannot be excluded by law, our total liability to you for any claim arising from a specific service shall not exceed the amount you paid us for that service, unless applicable law requires otherwise.

This limitation applies regardless of the legal basis for the claim, including contract, negligence, or any other cause of action.

23Indemnification

If Benmort suffers loss, incurs costs, or faces claims as a result of your actions, you agree to indemnify, defend, and hold harmless Benmort Connect, its directors, officers, employees, contractors, affiliates, agents, and representatives against those claims, liabilities, damages, costs, and expenses.

This applies in cases where a claim arises from your misuse of our services, breach of these Terms, unlawful conduct, or infringement of the rights of a third party.

24Suspension and Termination

We want every participant in our ecosystem to have a safe and productive experience. We reserve the right to suspend, restrict, or terminate your access to our services where:

• You breach any provision of these Terms.
• You engage in fraudulent, deceptive, or unlawful conduct.
• You provide false or misleading information.
• You misuse or abuse our platform, systems, or programmes.
• Your conduct endangers other users, our staff, or the reputation of Benmort Connect.
• You violate any applicable law or regulatory requirement.

Where the circumstances permit, we will notify you before taking action and give you an opportunity to respond. Termination of your account does not affect any rights that have already accrued or any outstanding obligations you owe to us or to other users.

25Force Majeure

We will always do our best to deliver our services as promised. However, there are events that are genuinely beyond our control. Benmort shall not be liable for delays or failures in performance resulting from events including, but not limited to:

• Natural disasters, floods, earthquakes, or severe weather events.
• Pandemics, epidemics, or public health emergencies.
• War, armed conflict, civil unrest, or acts of terrorism.
• Labour disputes or industrial action.
• Cyberattacks, data breaches, or widespread technology failures.
• Telecommunications or power outages.
• Government actions, regulatory interventions, or legal restrictions.

In the event of a force majeure situation, we will notify you as soon as reasonably practicable and take steps to resume service delivery as quickly as possible.

26Governing Law

These Terms are governed by the laws of the jurisdiction in which the relevant Benmort contracting entity is incorporated or otherwise operates, unless applicable law requires otherwise or unless expressly agreed differently in writing between the parties.

Where Benmort provides services in multiple jurisdictions, we will endeavour to be clear about which legal framework applies to the specific service or relationship in question.

27Dispute Resolution

We genuinely hope that any concerns you have can be resolved through open and honest conversation. If something is not right, please contact us through our official support channels and give us the opportunity to put it right.

If a dispute cannot be resolved informally, both parties agree to attempt mediation or another appropriate alternative dispute resolution mechanism before commencing formal legal proceedings. This requirement does not prevent either party from seeking urgent judicial or injunctive relief where necessary to prevent immediate and irreparable harm.

28Amendments to These Terms

We may update or revise these Terms from time to time to reflect changes in our services, applicable law, regulatory requirements, or our business operations. When we make material changes, we will notify you through our official channels — whether by email, platform notification, or an update to this document.

Updated Terms will take effect upon notification or publication. Your continued use of our services after that point means you accept the revised Terms. If you do not agree with the changes, you should stop using our services before the updated Terms take effect.

29Severability

If any part of these Terms is found to be invalid, unlawful, or unenforceable by a court or competent authority, that provision will be treated as separate from the rest of the Terms. The remaining provisions will continue to apply in full force and effect.

30Entire Agreement

These Terms, together with any service-specific terms, policies, privacy notices, and written agreements applicable to you, constitute the entire agreement between you and Benmort Connect in respect of your use of the Benmort Connect ecosystem.

They supersede all prior discussions, representations, understandings, and agreements on the same subject, whether oral or written.

31Contact Us

We are always happy to hear from you. If you have any questions, concerns, or feedback about these Terms or any Benmort Connect service, please reach out to us through our official channels:

We aim to respond to all enquiries within 2 business days.